23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Navy Federal Credit Union has been reporting the same account but under two different card numbers. At the same time theyre also reporting that I have an XXXX balance as well. Ive made all necessary payments to ensure that my score will reflect such, however since Navy Federal continues to be negligent and report false data that continues to suppress my credit score which has been absolutely detrimental to my credit worthiness and has cost me additional costs due to there practices. Its clear as day that the accounts are inaccurate and also the same account with multiple balances being reported.
Product: Credit card

On XXXX  XX/XX/XXXX I received a text saying XXXX : Do you recognize {$650.00} XXXX  XXXX on card XXXX? Reply Yes or No. STOP to stop msgs. I replied no, as I did not authorize this purchase. I havent used my XXXX card in nearly 2 years. I have reported this as fraud a total of 3 times since then and have been promised that this will be resolved. Today is XX/XX/XXXX, and I am still getting billed for this fraudulent purchase. Not only that, I am being charged late fees and my credit has plummeted. Wells Fargo has still not resolved this claim.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute XXXX inquiries that appear on my credit report, which i did not authorize. These inquiries are fraudulent, and I request that they be removed from my credit report immediately. 

The authorized inquiries are as follows : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I did not apply for credit or authorize these inquiries, and I believe they are the result of identity theft. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute inaccurate information on my credit report, and I am requesting that these unauthorized inquiries be investigated and removed. 

Please notify me in the writing when these inquires have been removed.
Product: Mortgage

XXXX XXXX, 2016 RE : Un-Ethical Business Practices Seterus XXXX XXXX XXXX, XXXX, XXXX, XXXX Loan # XXXX Approved for {$52000.00} from Keep Your Home XXXX. Distributed to my lend Seterius Acct # XXXX Instructed by Seterus to NOT submit any payments until I receive the NEW invoice which would reflect the NEW decrease monthly payments. 
Notarized new contract XXXX 2016. 
During the reconstruct of loan, I have been invoiced showing negative balances. 
XXXX invoice had credit balance XXXX invoice had credit balance XXXX invoice had credit balance However, received a XXXX notice in XXXX this time a Notice of Default. 
We were lead to believe that funding from Keep Your Home XXXX would be applied to catch loan up current and then we would receive an appropriate invoice reflecting new payment. 
Seterus NEVER invoiced me properly, did Seterus follow appropriate guidelines in regards to processing and now invoicing me the borrow? Is this legal business practice for a lender? 
I fell behind in my loan due to a medical illness, that has left me permanently disable. Extremely stressful to be placed back into yet another stressful situation. 
REQUEST - - - I am requesting that the funding is used to COMPELTE catch the loan up to current status and then invoice me properly reflecting the new balance due. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX
Product: Vehicle loan or lease

Extra fees no supposed to have been charge and $ XXXX more than expected
Product: Credit reporting or other personal consumer reports

Please be advised this is my SECOND WRITTEN REQUEST. This letter is a formal dispute under the provision of the Fair Credit Reporting Act ( FCRA ) 15 USC 1681 et seq. That you are reporting inaccurate credit information. After a careful review of my credit report, the following account listed below is inaccurate. 
This account is being listed as being 30 days late in XX/XX/year>. Attached is a letter from the creditor requesting that you correct the late notation. 
You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE and or correct all inaccurate information. Please correct the account above to reflect no late payments or delinquencies. Thank you in advance, your understanding and prompt action in this matter is greatly appreciated. 


Respectfully Requested
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts with missed payments AUTO LOANS XXXX XXXX XXXX 3 Missed Payments
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX - XXXX, XXXX - XXXX, XXXX - XXXXXXXX XXXX XXXX XXXX  XXXX, XXXX - XXXX, XXXX XXXX XXXX XXXX - XXXX, XXXX XXXX XXXX - XXXX, XXXX XXXX - XXXX, XXXX XXXX - XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Mortgage

My wife and I experienced financial difficulties in XXXX. We requested a loan modification from the servicer of our mortgage. Initially we were told that we had not submitted sufficient financial information. This was rectified within two days. Then the servicer lost the new information. Within a few weeks we were informed that the information had been found and that our request was being processed. Five months elapsed with regular contacts from us but no response to our modification request from the servicer. Then the loan was sold to another holder and the servicer was changed. The new servicer told us we would likely qualify for a modification, but that we would have to submit all new financial information, which we did. In response, we received a short sale offer. We protested that we were requesting a loan modification. Many months passed and then the servicer requested all new financial information, which we provided. Again many months passed and again we were offered a short sale. When we refused the short sale, the lender began a judicial foreclosure. After a few years in court, the judicial foreclosure was settled with a loan modification. XXXX parties waived any claims arising out of events prior to the settlement except as to the obligations identified in the Settlement Agreement. This took place in XX/XX/XXXX Since then we have made all required payments on time. Nonetheless XX/XX/XXXX, our mortgage statements began including the statement that we owed {$3300.00} as " recoverable advances ''. Neither this sum, nor the concept of " recoverable advances '' was mentioned in the Settlement Agreement. We have written to the servicer asking for an explanation of this charge. Our most recent request was on XXXX XXXX, XXXX. On XXXX XXXX, the servicer sent a reply stating that it would require additional time to review our inquiry but that a response would be forthcoming within 15 days. None has been received, and our most recent statement, dated XXXX/XXXX/XXXX still shows " recoverable advances '' of {$3300.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is filed against TransUnion, XXXX, and XXXX for improperly reporting incorrect and invalid information from a account called XXXX XXXX account number XXXX. Disputes were filed with all 3 bureaus and deem verified or correct. No other disputes are pending. A copy of XXXX XXXX XXXX XXXX XXXX report is included in this complaint so all errors can be verified. Said errors or violations are as follows : 1. Both TransUnion and XXXX are currently reporting this account as a open account under account status on both reports. This is a closed account placed in collections and sold to a collection agency. This account is not open and can not be viewed as open. 2. On all three different credit reports, all 3 reports a different date of last activity. TransUnion reports XXXX. XXXX reports XXXX. XXXX reports XXXX. All differ and is impossible to verify all as correct. 3.Date of last payment is also missing from all 3 bureau reports. 4. TransUnion reports on report under Dispute status that account is not disputed. Contrary on same report under Creditor 's Remarks it says account disputed. Both can't be correct. It's either or. 5. TransUnion reports that account is disputed under Creditor 's Remarks. No disputed exist or are pending. Once dispute is over TransUnion was obligated to remove all codes and remarks about disputes from report but failed to do so. XXXX. XXXX reports on its report under dispute status that account is not disputed. Contrary on same report under Creditor 's Remarks it says account is disputed. Both can't be correct. XXXX. XXXX also reports account disputed under Creditor 's Remarks. Once my dispute was final or concluded XXXX was legally obligated to remove all codes and remarks about disputes from that account report but has failed to do so. This is mandatory! 8. XXXX also reports that the account is disputed under Creditor 's Remarks and even though no dispute exist or is pending, they have also failed to remove all codes and remarks about disputes from the account which violates the FCRA. XXXX. Finally, on all three reports under late payment history both TransUnion and XXXX show XXXX 90 days late. Contrary, XXXX shows XXXX 90 days late. Which is it.
Product: Credit card or prepaid card

ATTN : SYNCHRONY/XXXX  PHONE XXXX XXXX On XXXX I checked my balance on my XXXX  account I saw my balance was much higher than it was because of a charge that I was not aware of {$1200.00}, so I called XXXX and they stated that yes there was that charge of {$1200.00} and someone tried to charge another {$3000.00} to my account but could not because my credit limit would not allow them to. I then talked to the XXXX XXXX XXXX. and they did cancel my card and stated they would do an investigation. So after that I checked my XXXX  account I could not get into my account for the shopping because whoever hacked my XXXX shopping account changed my password and address for mailing. I than checked my orders and saw the amount of {$1200.00} for the product and immediately canceled the order. After that I called the XXXXSynchrony Bank Fraud Dept . back and told them what I did and gave them the address that was changed on my account which was XXXX XXXX XXXX XXXX, XXXX, New York XXXX. I value my account with XXXX and want to always have a good credit rating with them. My issue is with following : 1.. I did not make these charges and want a resolution to this issue. 
2.. When I talked to your Fraud Dept. I was made to feel that I was the one in the wrong when I knew nothing of this account activity until I looked at my account activity. I feel you need to train your employees to be more empathic because I am sure this happens to a lot of people and it is not their fault. 
This is something that I did not cause and I want to make sure my credit is not affected. 
Thank you.
Product: Vehicle loan or lease

... I have been seriously injured and I ca n't afford to make but half of the payment I 've tried to work with them and all they do is threat to take my car Im XXXX and I financed a car through unifor finance been a lolyal customer I 've made every payment for 7 months {$470.00} until I was taken out of work plus the down payment of {$500.00} if they want to give back all money so I can get a car I have to have a car for Dr appt and grocery store, pharmacy its illegal to treat XXXX people this way
Product: Checking or savings account

Bank unlawfully misled consumers about its XXXX Savings accounts and obscured its higher-interest savings product from them. 
Capital One marketed its XXXX Savings account as a high interest account with a variable interest rate that was XXXX of the nations top, best, '' and highest, and would earn much more interest than the average savings account. It also assured former XXXX XXXX  savings accountholders that, with XXXX Savings, they would still have great rates. However, from late XXXX to XXXX, Capital One lowered and then froze the XXXX Savings account rate to just 0.30 %, even as rates increased nationwide. In contrast, starting in early XXXX, Capital One increased the XXXX XXXX XXXX account rate. In fact, the rate went from 0.40 % in XX/XX/XXXX to 3.30 % as of XX/XX/XXXX, and 4.35 % as of XX/XX/XXXX.
Product: Debt collection

I have received letters from time to time attempting to collect a debe of just over {$700.00} for a XXXX bill. I have never had a XXXX account of any type. I have repeatedly disputed the attempt at collection, and asked repeatedly to see written proof of said debt. No proof has ever been offered. Attempts to collect said debt continue. 
Creditor : XXXX, Client Account # XXXX, Convergent Account # XXXX. Convergent Outsourcing, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Box XXXX XXXX, Wa XXXX XXXX.
Product: Vehicle loan or lease

In XXXX, XXXX I had my accountant try to create an amortization schedule to match the loan monthly payments on an RV that I purchased. He was unable to so I called the bank. The first call was XX/XX/XXXX. The bank refused to discuss the loan and said I had to go to the dealer that sold me the vehicle. Between XX/XX/XXXX and XX/XX/XXXX, I made 6 calls to the dealer and three to the bank none were ever returned. Two additional calls that made where I manage to speak to someone at the bank customer service yielded no amortization schedule or any additional information. On XXXX XXXX XXXX I made my first payment and the ENTIRE amount was applied to interest. It turned out that the loan ( not known to me ) was a simple interest loan. I found this out In my conversation with the bank on XX/XX/XXXX, XXXX ( the customer service manager ) told me that the first payment was 45 days long. They did that so ( as he said ) I had time and money to register the vehicle. I did not ask for that time and the result was that I was charged an additional {$750.00}. in interest. Then in XXXX I paid extra money against the principal. The payment was made XXXX.The bank did not apply the principle to the loan until AFTER they calculated the interest for XXXX. That means I was charged interest on a the {$400.00} I paid towards principal. XXXX admitted that " yes the bank makes more interest this way but that is what we are business for ''. Now that the loan is fully in effect BMO Harris Bank is willing to send me an amortization schedule, XXXX said he would even wave the {$10.00} fee ( yeah ) .He further told me that I should have looked at the truth and lending statement. I said who would sit down and try to calculate the interest on a 20 year to make sure it agrees with the tota shown on the truth and lending report. I believe that the 45 day period on the first payment is to cover the money XXXXXXXX XXXX ( the seller of the vehicle ) gets form the bank.
Product: Credit card or prepaid card

On XX/XX/2022 I purchased two tickets for the XXXX XXXX football game to be played on XX/XX/2022. I used my Goldman Sachs XXXX ( XXXX ) XXXX. My order number was XXXX. The purchase was made with XXXX. I received the two tickets. 

However, I was charged twice. The amounts were {$560.00} and {$540.00}. I have attempted to resolve this with XXXX XXXX ( Goldman Sachs ) multiple times. They have been unable to advised which amount is applicable to order number XXXX. In addition, they are unable to advise of any other order number or purchase of any additional tickets. I have attached a copy of the transaction as well as copies of the tickets I received. 

Their response has been a bunch of print outs of the internet with most to small to read to include instructions on how I should use my iphone.
Product: Debt collection

A month ago, I was contacted by XXXX XXXX of Stuart-Lipman and Associates . They were attempting to collect on a debt that is not owed. I requested for a validation of debt letter, and for all further communication to cease over the phone and only via mail moving forward. A validation letter was never received within the 10 days, and then this morning, I received another phone call and email.
Product: Mortgage

Hello On numerous occasions over the years, I have inquired with Ocwen in regards to my P & I Payments being improperly applied to the account. 

The reason I have been told by the servicer that I have an adjustable rate mortgage so they can not send me an amortization schedule. 

The interest rate is incrementally being raised ( 4 ) times in which it is quite simple to send along the amortization schedule. In XXXX the rate was 3 %, then in XXXX it went to 2 %, then in XXXX it went to 3 %, and XXXX it is at 4 %, with the final rate change in XX/XX/XXXX to 4.375 %. I have had the P & I interest applied most recently on XX/XX/XXXX {$460.00} ( principal ) & {$790.00} ( at 3 % interest ), on XX/XX/XXXX the Principal payment was {$490.00} and interest was {$580.00} at ( 2 %. rate ) I have all the documents showing that the p & i rates have been all over the place. 

The only actions that were taken by you or the company, are a letter saying they can not provide me an amortization schedule?
Product: Credit reporting or other personal consumer reports

I disputed an entry on my credit report with XXXX XXXX XXXX and uploaded XXXX pages of documentation detailing a seven month effort to validate this entry.

I reached out to the contact address and email listed ( as I'm XXXX low hearing do don't engage via phone ) and per both Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) this entry should be deleted from my credit report. 

I sent a written and electronic request to the collector and they were unable to respond back with the legal requirements and requested pieces of information. I shared a copy of the letter with the itemized pieces of information I was legally due and wanted to see and they responded they were unable to provide this information. 

I shared this thread and again multiple documents as reference points with XXXX and they shared an auto generated template about what their role in the dispute process is and how it's simply to ensure the items the collector has have the same name and contacts on my credit profile. No request for the original creditor, a valid contract between parties, receipt of a debt- as I have documents that I owe no such debt. And then as a collector, authenticity of their authority - their collector 's agent license number, evidence of their legal right to collect in the state of Nevada where I live, and if this is an actual debt, record of the transfer of ownership or receipt of sale of debt. 

Not only was none of this provided, the collector in question provided no method to contest the debt or intake verification that it was not valid. 

I presented all of this to XXXX, along with multiple threads and documentation of being a victim XXXX times over of a data leak by XXXX large XXXX XXXX companies and my own personal identity stolen and fraudulent accounts and action taken in my name. 

None of this was handled correctly to remove the entry and now I have been denied housing because of this illegal error and XXXX is ( rightfully ) bracing for contact from my legal counsel until this is removed. 

I would love for this complaint to evade that process and for XXXX to allow a mediator to help them see this is a failure on their part that need to be rectified immediately, but I also want all consumers to know this is victimization and exploitation by careless process on XXXX 's part as well.
Product: Debt collection

This collection suddenly appeared on my credit report at the beginning of this year with an open date of XX/XX/XXXX, with XXXX XXXXXXXX XXXX as the original creditor. Again, I don't live in XXXX, and I have not lived there for more than XXXX years. Unsure how an account will be open this year for medical debt in XXXX when I live in XXXX 

Because of my previous complaint, I received a document from CASCADE CAPITAL FUNDING stating I owe {$1400.00} for services given on XX/XX/XXXX. What was that for? Prior to this collection appearing on my reports, I had never been contacted by anybody about such an account existing. Where is the original bill from the original creditor? So many questions regarding an account that magically pops up in XXXX for services that you are saying were given in XX/XX/XXXX.
Product: Mortgage

JPMorgan/Chase was the mortgage lender. In XXXX JPMorgan/Chase stated I was XXXX  months behind on payments ; in XX/XX/XXXX we went to court ; during the proceedings I gave the judge statements from my bank acknowledging the cleared payments to every payment made. The judge ordered chase to update their records ; XXXX  did update records. I continued to make my monthly payments by calling and speaking to an agent to ensure that chase was getting the correct amount, on the statement dated XX/XX/XXXX it was XXXX then on statement dated XX/XX/XXXX it was XXXX. I called chase about the descrepency ; however, the mortgage lender proceeded to tell me my loan was transferred, however I still made a monthly payment to Chase because my loan was not completely transferred my new servicer is now saying I am delinquent and they have not recieved any payments and they want all or none. I have been talking to both and neither one is trying to resolve the issue or update payment history.
Product: Credit reporting or other personal consumer reports

Consumer Name XXXX XXXX XXXX Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX with a balance of {$250000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.