23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  acquired my mortgage from XXXX XXXX  XX/XX/XXXX. When the loan was acquired the payment for XX/XX/XXXX was not credited to my account. The escalation manager told me that if I could provide a bank statement to show the payments were made, he would credit the account and remove the late fees. On XX/XX/XXXX, I provided bank statements to the XXXX XXXX  escalation department via email that showed a payment each month to XXXX from XX/XX/XXXX thru XX/XX/XXXX. XX/XX/XXXX the late fees were removed from the account. I applied for a mortgage refinance on XX/XX/XXXX because my 2nd mortgage is scheduled to close out XX/XX/XXXX. The refinance was denied because my credit report showed I have 30 months of late mortgage payments. Around XX/XX/XXXX I informed XXXX of the issue and they sent me a letter that stated the payment for XX/XX/XXXX was missing. I told them that I submitted my bank statement as proof that the payment was made and the late fees were waived. I was then informed that I need to submit a copy of the credit reports to them. So on XX/XX/XXXX I submitted a copy of my credit reports to the customer care email. Approximately a week later they uploaded my payment history to XXXX but did not correct the late payment status. I was again denied a refinance loan by XXXX XXXX  and another lender because of the late payment status. XX/XX/XXXX I spoke to a credit manager at XXXX and was told I had to fax my bank statements to them, so I faxed them my bank statements that day. I followed up with a phone call a week later and XXXX would not discuss the status over the phone. I had to call them once I received their decision letter. On XX/XX/XXXX I received a letter dated XXXX that stated the payment for XX/XX/XXXX was missing. I called XX/XX/XXXX and spoke to an escalation manager and was told I had to resubmit my bank statement and highlight all the payments. I informed her of the history and emailed the bank statement with the highlights she requested. I was informed it will take 5 business days for a resolution. Mean while XXXX who can see my history will not approve me for a refinance, despite knowing the issue and the fact that I am current with payments for both mortgages. The main mortgage is showing current since XX/XX/XXXX which doesn't make sense. I'm currently trying to refinance with a credit union. Praying they will approve everything.
Product: Credit reporting or other personal consumer reports

This is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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, credit repair services, or other personal consumer reports

I demand to verify the accounts you listed wrong status in my report - I have never paid them late :   XXXX   XXXX   XXXX   -  XXXX    XXXX   XXXX    XXXX    XXXX / XXXX   -  XXXX
Product: Debt collection

These services are from XXXX XXXX I did not receive full disclosure on what I was going to be billed. I had a discount medical plan at the time ( I have since changed to a full medical insurance policy with my employer ) and was not informed that I was going to owe over {$1000.00}. I paid an amount with the hospital over the phone of {$260.00} last year and I asked if this was the only negotiated settlement and they said yes. I later discovered that this was a physician fee. I apparently now owe over {$800.00} and do not find this fair or just. I ask that these charges be removed. Thank you
Product: Credit reporting or other personal consumer reports

I hired XXXX XXXX back in XXXX. Never returned my call after the initial phone call. never requested any paperwork for me to file the lawsuit. I made numerous calls to them to try to speak to a person. No one ever returned my phone call so I canceled the service and reported them to XXXX XXXX XXXX  and I started getting bills from XXXX XXXX. I contacted XXXX XXXX back in XXXX disputed the charges said this is not anything that I signed up for and they have just kept building me ever since.
Product: Debt collection

YOUR COMPLAINT I am filing a complaint against XXXX, XXXX, and XXXX Credit Reporting Company. I have contacted them on multiple occasions and a quick fix is done, but it reverts back to either reporting another persons information or not at all. Specifically with XXXX, after removing again someones information they state had a name similar to mine but a different social security number now approximately 2 months ago, XXXX has decided to completely stop report my credit score completely. Because if they actions as stated above I have been denied credit and charged higher interest rates. I have been denied credit and have paid higher interest fees because of their misreporting and may take legal action if it is not remedied immediately. Include a copy of your drivers license, social security card, proof of address, and the attached screenshot. Please let me know if you have any questions. Navy federal XX/XX/XXXX, XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XX/XX/XXXX, and XXXX XXXX XXXX XXXXXX/XX/XXXX. Please remove these things off my credit report they do not belong to me. Highest Regards, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This will be my last Complaint to inform the Credit Reporting Agencies that I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) the Credit Reporting Agencies are required to remove any ITEMS which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. If the Credit Bureaus do not comply with the requests, it leaves me no choice but to pursue legal action. I need the following items deleted as soon as possible : 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 XXXXXXXX Balance : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Was offered XXXX points for the Citi XXXX Card after spending {$0.00} within three months. Called multiple times and was told the points would be added to my account. Talked with numerous managers that confirmed I would see the points. It has been over three months and I 've seen nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
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 XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I owed discover card less than a thousand dollars several years ago. It was a very very old debt and I tried to contact the bank to settle and I was informed that they have been sold my case to a 3rd party collection agency. I contacted the collection agency last 2013 to settle my debt but they dont want to cooperate and doesnt want me to settle it. Just last year or this year I received a notification letter from XXXX XXXX, XXXX that they are garnishing my savings account because of old debt from discover card and they are working with the attorney. And Now, Im refinicing my house but I was informed by the financial officer that XXXX XXXX, XXXX was holding my house title until I pay them {$11000.00} thats why they can not proceed with the processing of my house refinancing. I dont even owe the my old discover card that much but collection agency is harrassing me to pay too much. I need help on this, I am a XXXX XXXX veteran having health issues and I am currently having financial difficulties too. I can not pay them more than I owe the bank.
Product: Debt collection

State Collection Services Inc This company sold a debt I paid. I provided the proof that I paid this and they did not close it. Instead, they sold the debt to another company. I spoke to them many times and they verified the debt was paid, but still sold it to another company. It has been a nightmare for 3 years now. When I requested a letter, they never sent one. This company verified it was paid, and said the letters I got from the other debt collectors was probably from another debt. I have never owed another debt in my life. It is for the same debt, same date, same amount. Instead of closing out the debt properly, they sold it and then refuse to take responsibility and instead, insinuate that I owe money to other companies. This is unethical and insulting.
Product: Student loan

I called in on XX/XX/XXXX to request letter for mortgage Im applying for and was told it would take 10 business days. The letter never arrived so I called back on XX/XX/XXXX on 3 separate occasions. I was given 3 different stories by each agent who helped. The last guy who helped me names XXXX was extremely rude and would not let me speak. Constantly spoke over me and cut me off. Horrible customer service. Im not sure if he even took my request and when I asked to speak with a supervisor he put me on hold for 30 minutes and no one ever came to the phone. 

I need a letter ASAP for my lender detailing each loan I have with account number as well as the balance as shown on my credit report. Unfortunately this information isnt on the website for me to print myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went and applied for a car loan and was told my report would only be ran once, but there are over XXXX hard inquires on my report that I did not authorize.Please have these fraudulent inquires removed, I didn't consent to this.
Product: Credit reporting or other personal consumer reports

My credit report includes unapproved hard inquiries. Correct this error under 15 USC 16c-2.
Product: Credit reporting, credit repair services, or other personal consumer reports

I set up biweekly auto billpay with XXXX XXXX to deliver the checks to XXXX XXXX XXXX for each of my 2 loans, loan XXXX and loan XXXX it went well for many months, and suddenly in XXXX and XX/XX/2023 billpay checks were not delivered by the postal office, due to " undeliverable address ''. But the addresses are the same as before, and postal office resumed delivery in XXXX. When XXXX customer service called me in XXXX about the delinquent payments, I paid all the past dues immediately. My intention is to always pay on time, that's why I set up auto pay to start with. The late payments were due to unexpected circumstances with postal office, it is not within my control and not at XXXX XXXX control. Attached please find XXXX XXXX  evidence of payments made. I would like to beg XXXX to withdraw the late payment report to credit agency, it made my credit score drop from XXXX in XX/XX/2023 to current XXXX. 

thank you very much for your great help! 

XXXX XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Case number XXXX was incorrectly closed without any action or resolution provided. The company illegally making the credit inquiry, XXXX, provided a blanket disclaimer that they were a third party and would audit Loan Depot 's permissable purpose. They did not provide any result or position on the matter. The case was closed without their audit resolution or intentions. I am requesting the issue be reopened until XXXX completes their audit and removes the false credit information or provides evidence that I applied for a loan -- evidence which does not exist. Loan Depot 's  telephone calls attempting to get me to refinance 3 months after my home purchase were 100 % rejected repeatedly. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a public record & Child Support entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how Equifax, XXXX and XXXX   verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a XXXX XXXX, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call Equifax back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and attorneys XXXX XXXX and XXXX XXXX XXXX of XXXX XXXX XXXX, have improperly scheduled unsecured property for auction originally, XXXX XXXX, 2017, and now XXXX XXXX, 2017 without proper notice and without giving a payoff statement, invoice or bill for payment. In an earlier complaint regarding debt collection procedure violations, XXXX XXXX of XXXX XXXX XXXX for XXXX XXXX provided an affidavit of service by mail dated XXXX XXXX, 2017 of notice of sale scheduled XXXX XXXX, 2017. In the same letter XXXX XXXX maintains that the required 90 day notice under NY CLS UCC 9-611 was given. This is clearly untrue according to the documents XXXX XXXX has provided. Upon repeated requests for a payoff amount or statement, XXXX and their attorneys XXXX XXXX XXXX, have reported to the credit bureaus false information due to the fact that they report the debt as in arrears, but refuse to provide verification or substantiation and have failed and refused to give me a payoff statement, amount, or an opportunity to payoff the debt.
Product: Credit reporting or other personal consumer reports

This is the second credit reporting issue I have had with upgrade. The first one was, Upgrade reported me XXXX  days late when in fact I was not, I was in a hardship program with them. That was corrected on XX/XX/XXXX. Now I received an alert that the loan amount balance is {$90000.00} and the original loan amount was XXXX. This is the second reporting error less than a month which has affected my score XXXX. This is a stressful situation, and something needs to be done about this. I have attached my actual original loan document. In addition Upgrade does not even offer XXXX personal loans.
Product: Mortgage

On or about XXXX XXXX XXXX I made a {$970.00} payment on my Mortgage Loan to Specialized Loan Servicing ( SLS ). I received confirmation from my bank that the payment I made was taken out from SLS for the exact amount. On XXXX XXXX XXXX  I received a Mortgage statement from SLS for a Total balance of {$0.00} due. However I later discovered that Specialized Loan Servicing did not give me credit for my payment, but they " reversed '' in the SLS system and it reflected on XXXX XXXX XXXX Mortgage statement. I call Specialized Loan Servicing to find out what happened and they give me many different excuse why I didn't get credit for my loan payment that clearly was taken from my bank account from them. I told SLS if they would not give me credit for the payment I made they give me a refund for the payment the they deducted form my bank account, but they did not refund me. I also made payments to apply to the Mortgage Loan Principle, and I learned form SLS customer service reps that the {$600.00} plus money was not applied but it was put in a hold account. I never received a refund from SLS for that {$600.00} plus. I started received calls of harassment regarding my Loan being allegedly delinquent, which it was not ; and SLS also charged me late fees. I had to get the help of a Law Firm to help with these situations. The Law Firm made and sent a letter to SLS concerning my situation along with the Exhibits that proved what had happened. Later in or about XXXX XXXX XXXX SLS Customer Service spoke with me and told me they sent me a check for the money they owed and I should receive it in 7-10 business days. In or about XXXX XXXX XXXX, the refund check had not arrived and I called SLS again, but was hung up on several times before I reached someone else. I ask to speak to a supervisor to help resolved this matter. SLS would not let me speak with a supervisor, but they told me a SLS supervisor would call me back within a few days. I was informed it would be another 7-10 business days before I received it the check. No, Supervisor or representative from Specialized Loan Servicing called me back. In XXXX XXXX XXXX called SLS three times before getting through during the conversation, the SLS customer service reps told me that the refund check was accidently sent to the Law Firm address. Then the SLS customer service rep said she was not allowed to discuss anything else with me about my account. The rep said she was advised to only talk with the Law Firm regarding my account. Recently Specialized loan Servicing was on the phone with the Law Firm and told them they could not give them information without me, along with other excuses that make no sense. The Law Firm was not happy with them. After all these things and more Specialized Loan Servicing has still not resolved this matter. Specialized Loan Servicing is doing a horrible job with this Mortgage Loan situation and their customer service department. They have made this situation stressful, frustrating, and extremely difficult for me and my family.
Product: Debt collection

I am not liable for this debt with XXXX XXXX. I do not have a contract with AMSHER COLLECTION SERVICES. They did not provide me with the original contract as requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently disputed a chapter XXXX bankruptcy filing that is on my credit report. The Public record was included in my FTC identity theft report. Transunion is stating that the bankruptcy is verified as correct. This could not be true. There are NO other tradelines on my file that are included in a bankruptcy. There are NO addresses associated with a chapter XXXX filing on my credit report. Lastly, XXXX Bankruptcy DO NOT verify to credit reporting agencies.
Product: Debt collection

Mr XXXX from XXXX XXXX XXXX called me about a debt from money key. When I didn't call them back they called my parents on XX/XX/2020. I called him and got the information from him. His number to call back is XXXX ex XXXX. The reference number is XXXX. He offered me a reduce debt at {$130.00} for the money key loan of {$410.00} the loan is from XX/XX/XXXX. I called money key to see if I owed them money and it was paid off XX/XX/XXXX, I owe them nothing and it's a fraud attack from Mr. XXXX and the XXXX XXXX XXXX. Please do what is necessary to stop my harassment.
Product: Debt collection

It has come to my attention that the Company JEFFERSON CAPITAL SYSTEMS , LLC has acquired the account due to material misrepresentation, fraud, and Identity Theft pursuant to 15 USC 1681a ( q ) ( 3 ) and RCW 9.35.020. The Original Creditor failed to legally obtain consent to sell, transfer, or disclose any account information with your company or any other non-affiliated third party as mandated by 15 USC 6802 of the XXXX. Failure to provide FULL disclosure of material information constitutes an unfair method of competition and unfair & deceptive acts of FRAUD. When fraud leads to the formation of a contract, the contract becomes unenforceable, and the defrauded party may void it upon discovery of the fraud. Thus, it is hereby notified that upon discovering FRAUD associated with the contract between the consumer and the original creditor, the contract is now VOID. Consequently, ANY and ALL consent to possess, use, and share private information obtained by, through, or from the contracted original creditor is hereby REVOKED, TERMINATED, CANCELED, and RESCINDED pursuant to RCW 19.86.020 & WAC 284-04-215 ( 6 ).
Product: Checking or savings account

Without discussion, review or any clear justification, PNC Bank canceled my XXXXXXXX XXXX bank accounts and restricted access to my funds, except through costly wire transfers. This action followed a failure by management to adequately secure my accounts and conduct proper due diligence. The commercial business account manager responsible for setting up my accounts, XXXX XXXX XXXX, is no longer with the PNC Bank, and no one in management has taken responsibility for his actions. Throughout the account setup process, I was completely transparent about the operations of my businesses, and all banking activities have been legitimate and necessary for standard operations. 

This abrupt and unexpected bank account closing cause me thousands of dollars of time and expense, reputation damage and exposed me to employer liability because of rejected employee checks. 

Their response was sorry, " here is nothing we can do about it ''. They ignored my pleas for at least a restitution covering my considerable expenses.