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

Dispute Report Report ID # XXXX For XX/XX/XXXX. 

Experian Lowered my Credit Score on XX/XX/XXXX From ( XXXX ) to ( XXXX ) Due to ( 3 ) Alleged Late Payments. Their decision was based on information gathered via Their Experian Boost System of self reported accounts paid via My Bank Account monthly payment history.The Account in question were removed by me and transferred to newly attained credit cards as recommended to improve my credit score. As a result of my action Experian Boost during the above stated dates did not identify scheduled payments made to the afore stated accounts due to my removal of said accounts. Nor did Experian contact me to inquire if this information was accurate before lowering my score. Apparently Experian Boost did not formulate a procedure for a situation as mine where accounts from Experian Boost ( MY Bank Account ) are switched to another payment method ( Credit Cards ) .As a result of their neglect and use of inaccurate information attained from my bank account via Experian Boost Program was used to lower My Credit Score. I checked the records of the accounts in question all reveal that the payments in question by Experian Boost were paid on time.My Credit Report History states I have an exceptional payment history prior to and after My Bankruptcy filled on XX/XX/XXXX.Also the other Credit Reporting Agencies show I have never missed or been late for a payment. 
As a result the inaccurate information remains on my Experian Credit Report as ( 3 ) late payments During the period of XX/XX/XXXX and XX/XX/XXXX that lowered my score from ( XXXX to XXXX ) effecting My Overall Score by 35 % .Experian Boost Removed the afore stated account but failed to remove the Inaccurate Informatiom of the Alleged ( 3 ) Late Payments. I need this Information removed from My Account Immediately and My Credit Report Score Restored to the correct amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was reviewing my Equifax credit report & came across numerous items which I did not recognize, know existed or authorize. I contacted the companies to inform them of the issue. They instructed me to file a complaint with identitytheft.gov & credit an identity theft report for their records and attach a copy of the identity theft report ( FTC report # : XXXX. The following information listed is inaccurate & opened due to identity theft. Please see the following information is blocked from my report as I did not benefit or receive any goods or services from these accounts. Here is the list of information I need removed/blocked from my credit reports. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I was victim of identity theft and I contacted the collection agency and provided information informing them that my identity was stolen and advised them I contacted the original creditor XXXX XXXX.
Product: Credit card

I removed my Auto Pay prior to the XXXX date that it was scheduled for. 
Therefore, I did not make a payment for XXXX. This is relevant because a web payment was made by the company taking money from my checking account in the amount of {$1000.00} on was initiated on XX/XX/XXXX for XX/XX/XXXX. Not only did they take the money without my authorization, they reactivated my auto pay option. 
I found this when I logged into my bank account this morning XX/XX/XXXX. 
They did not tell me they were going to do this. They did not have a court order to do this and they certainly did not have my permission to do this. 
I have removed my bank information from my profile and removed the auto pay option again. 
As proof of deactivating the autopay, no payment was made on XX/XX/XXXX for the XXXX payment. Previous months do have payments made on the XXXX of the month. 
I have inquired as to why they did this and was not given an answer. 
I would like my money back as I need it for living expenses. I can send screenshots of the transactions, but I need to know if you need just the transaction or the day 's transactions.

The company is Elan Financial Services.
Product: Mortgage

We paid our mortgage ahead of time to the amount of five months through XXXX of 2016. In XXXX of 2016, we got a court notice from the mortgagor stating that we were late in XXXX payments. What happened is that the mortgagor took money from the prepaid amount and paid on the principal without my knowledge. When we needed money for another pressing problem at the end of XXXX, I did not send any money to the mortgagor in XXXX and XXXX because it was prepaid. In XXXX I received notice to go to court for possible foreclosure. We want the mortgagor to reverse the payments to the principal.
Product: Debt collection

I need your assistance in helping me to get several accounts reporting on my credit file from Central Financial Control removed. These accounts do not belong to me. I was a victim of identity theft ( my wallet was stolen along with my ID, Social Security Card, Credit Cards, and more ). I have notified the Credit Agencies of this along with Central Financial Control. However, Central Financial Control has reported to the Credit Agencies that these accounts have been verified. How could they verify an account with the Credit Agencies and they can not verify this account with me. I have asked for proof of this account and I still have not received anything from Central Financial Control.
Product: Mortgage

continuation from XXXX. Additional documents showing that the amount of my monthly payments are different on three different letters from Ditech XX/XX/XXXX 90 day temporary agreement {$1300.00} XX/XX/XXXX default letter $ XXXX/ XXXX XX/XX/XXXX letter {$1400.00} These changes in amounts cause the final delinquent amount to almost double making it even hard catch it up in one lumpsum. I called to ask what other options are available to find out that no modification will be granted without subordinate agreement and a payment plan can not be granted until past due amount is within 90 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a letter From XXXX XXXX XXXX that I am enclosing that validates that the debt that XXXX XXXX XXXX AKA XXXX XXXX XXXX says I have with them is not my debt. I have filed numerous complaints with XXXX and Equifax trying to get this debt removed. In every complaint XXXX and Equifax swore the information XXXX XXXX supplied that validated this debt was accurate and credible. Here is a letter from XXXX XXXX XXXX ( The alleged original creditor ) that says this is not my debt and I am not responsible for it. I want XXXX XXXX XXXX trade line removed from my credit report bt XXXX and Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX are reporting incorrectly that I am 120 days past due on the XXXX/XXXX - account numbers XXXX and XXXX. ( Please see pages 3 and 4 of the attached credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Product: Debt collection

My credit card was stolen back in XXXX.. They refuse to send me a paper copy so I can dispute the charges. I have tried but they will not even discuss the account without the pin. They will not send the papers for me to dispute the charges and they ruined my credit! they closed my access to log in to try to dispute the charges!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Bank XXXX, XXXX XXXX XXXXXXXX ( XXXX XXXX, XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX In accordance with the Fair Credit Reporting act XXXX Account # 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 a account without my written instructions
Product: Consumer Loan

I attempted to purchase a XX/XX/XXXX XXXX from XXXX of XXXX in XXXX, TX. I completed the underwriting process on XX/XX/XXXX at a different XXXX dealership ( XXXX ) but was unable to complete the transaction as there was not a vehicle at the dealership that I was interested in purchasing. I was able to locate a vehicle at the XXXX location on XX/XX/2016. I was told that it was mandatory that I purchase a XXXX warranty contract with the vehicle by the dealership, however, I was told by the underwriting department for XXXX at XXXX that all warranties are optional. I recited the information to the dealership XXXX and was told that it was not an option and that the service contract would have to be signed adding an additional {$1900.00} to the amount financed over the 4 year term of the loan. On XX/XX/2016, I returned to the dealership and further reiterated that I had been told that the service contract was optional and was told " That 's just the way XXXX does it. It 's not optional for your " type '' of loan ''. When presented with the paperwork for the vehicle, I was presented the service contract. To the left of the signature line, there is a " Notice to Customer '' with at bullet point under it that states : " The purchase of this service contract is not required to obtain financing or to purchase or lease this vehicle. '' By XXXX on XX/XX/2016 the dealership and I were at an impasse because I was being told in essence that if I wanted to purchase a car from them, I would have to purchase the warranty and they would not take it out of the contract regardless of that the document states in writing.
Product: Debt collection

I have 9 fraudulent accounts showing on my credit report that I believe are the result of identity theft. I had a recent tenant screening report pulled on me through experian, and that's when I was notified of several accounts in collections. All of these accounts were sent to an address that was not mine in Florida where I do not live. I have lived in XXXX Hawaii since XX/XX/2006. I notified each collection acct by letter that they were not mine and to send me proof. They replied to me by mail after 45 days and none of them deleted the fraudulent accounts or sent me proof of who opened the accounts in my name. I filed disputes with all the accounts with experian. And again all the accounts were confirmed as accurate. I also disputed a fraudulent address that was listed on my report in Florida. I was asked to send them an identity theft report rgd the address which I did. I called to follow up and they still havent removed the address. ( XXXX XXXX XXXX XXXX Fl XXXX ) I have placed a fraud alert on my credit report with experian. Below is a list of the fraudulent accounts on my credit report showing as collections that are not mine. 

XXXX XXXX XXXX # XXXX {$650.00} XXXX XXXX XXXX # XXXX {$2700.00} XXXX XXXX XXXX # XXXX {$620.00} XXXX XXXX XXXX # XXXX {$2000.00} XXXX XXXX XXXX # XXXX {$2400.00} XXXX XXXX XXXX # XXXX {$810.00} XXXX XXXX XXXX # XXXX {$600.00} XXXX XXXX # XXXX {$1800.00} XXXX # XXXX {$1000.00}
Product: Credit reporting or other personal consumer reports

In accordance with their fair credit reporting act this creditor has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604a section 2 it also states the consumer reporting agency can not furnish an account without my written instruction. Under 15 USC 1666 b a creditor may not treat a payment on a credit card account under an opened end consumer credit plan as late for any purpose.

KIKOFF LENDING LLC XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX XXXX ( XXXX ) XXXX
Product: Vehicle loan or lease

Request for Assistance with Processing of 1099-A Submission to PenFed Credit Union Consumer Financial Protection Bureau , I am writing to seek your assistance regarding an issue I am experiencing with PenFed Credit Union concerning the processing of my IRS-accepted 1099-A form.

I submitted the 1099-A to the CEO of PenFed Credit Union dated XX/XX/year> ; however, I have not received any acknowledgment or confirmation of receipt or reflection on my account. This form must be processed and updated on my PenFed vehicle loan account, as it directly impacts my financial records and obligations. 

The 1099-A is an important document that provides information on the acquisition or abandonment of secured property, and its proper processing is essential for tax and financial reporting. Without acknowledgment from PenFed, I am concerned that this form may not be recorded accurately in their system, potentially affecting my loan status and tax reporting. 

I kindly request the CFPB 's assistance in facilitating communication with PenFed Credit Union to ensure my 1099-A is acknowledged and processed promptly. 

Thank you for your attention to this matter. I appreciate your help in resolving this issue as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX  and Transunion should not be reporting that I am ( 30 ) days late on XXXX XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.
Product: Money transfer, virtual currency, or money service

My case number is XXXX On XX/XX/XXXX I posted a ticket to coinbase support regarding being locked out of my account. Coinbase support responded on XX/XX/XXXX and requested that I complete a few steps to recover my account. I responded immediately and executed all steps that I was asked. 

My last correspondence with Coinbase support was on XX/XX/XXXX@XXXX XXXX EST. They stated that given the nature of my case, a specialist would be needed to resolve the matter and that they would respond once the specialist has worked on the account. 

I sent a follow up email on XX/XX/XXXX and XX/XX/XXXX - no response. Yesterday, XX/XX/XXXX, I tried to contact coinbase support on XXXX - no response. 

Today, we are officially 2 months out ( from the initial response ) and still no updates from Coinbase. I have been locked out of my account and can not access my currency.
Product: Mortgage

Dear Sir/ Madam, The following are the pertinent details : 1. Our complaint is on Interfirst Mortgage Company XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, IL XXXX ( XXXX # : XXXX ) 2. Our original Mortgage amount was for {$170000.00} at a 10 year Fixed rate of 2.375 % closed on XX/XX/2021 and the monthly payment was {$1.00}, XXXX XXXX. During the past 4+ months, in addition to the monthly payments paid on Bank Autopay on the 1st of every month, we have also paid nearly {$40000.00} toward the XXXX XXXX XXXX XXXX. 

4. They have not given us any interest credit/ consideration on these additional payments in their monthly statements and hence not given more towards Principal from our routine fixed monthly payments at fixed interest rate ( i.e. split with higher amount toward Principal and lower amount toward Interest ). They are using our additional payments completely interest free for their own benefit which is UNFAIR to Consumers! 

5. Our numerous discussions with them didn't resolve this issue and follow fair Consumer Protection Practice as our previous mortgage companies ( more recently XXXX XXXX XXXX XXXX ) have correctly and fairly done.
Product: Debt collection

I have reached out to Affirm on multiple occasions and they continue to try to push me to a third party company although Affirm is the one that reports it to the credit companies. Affirm themselves will not even speak on the debts, they force you to a company I have never heard of and that company also claims they can not negotiate or offer any type of documentation until AFTER you pay them. No info, no documentation until you give them money is a huge red flag.
Product: Credit card

On XX/XX/XXXX I applied for the United Airlines Travel Credit card through chase bank, at which point my application went to a review status instead of receiving an approval or denial. 

I called to speak with the Chase after receiving that status, and was told they had no details at that point in time as to the review or why it occurred. 

On XX/XX/XXXX, I called back and requested to withdraw the application instead. I was told that it was with the review team but that a withdrawal note would be logged with the team to terminate the process. 

On XX/XX/XXXX, instead I got an email from chase that my card was now approved and the account was opened. I called chase credit card support and spoke with the support team, notifying them of the previous phone call, and the confusion regarding my request to withdraw the application, yet them still opening the accounting. 

That same call I was told I can still cancel the application, which I asked to do so. 

On XX/XX/XXXX, I received the card in the mail, and called chase support again, for them to only explain that they dont know why this occurred, and unable to remove the card from my online account or online banking portal. 

At this point, they have opened an unauthorized account in my name and refuse to explain how or why this happened, despite two different phone calls by me asking to withdraw and cancel the application, and them confirming they would do so.
Product: Mortgage

I have perfect credit history and have never been default on any bills, mortgage or credit card payments until Ditech ruined my credit by changing my monthly mortgage payment amount starting XXXX XXXX which caused my usual payment to be {$45.00} short in XXXX. Ditech then held my regular mortgage payment of {$1100.00} as unapplied fund and charge me late fees without proper notice me in time to prevent late payment. <P/>I made extra payment immediately after I realized the payment change in early XXXX. But I was still flooded with collection calls and foreclosure and homeowner assistance letters. <P/>I was treated with no respect in most phone calls even thought I explained the situation and the fact that Ditech failed to properly inform me about the payment change prior and after the usual payment were made in XXXX. I found other good paying customers have similar complaints online ( XXXX XXXX XXXX ). <P/>A supervisor at Ditech customer service even firmly deny my right of dispute and told me it is no use at all to file a dispute. I feel I have no options but to log this complain with CFPB. Please help to address this concerns.
Product: Mortgage

I have made more than my monthly mortgage payment since before Select Portfolio Servicing , Inc. has been collecting on my mortgage. The corporation 's " payment coupon '' has sections to direct application of the payment, including a category for any " Additional Principal ''. Each time I make a payment greater than the required payment I have directed, on the " payment coupon '' the amount to be applied to the principal balance. After the first time I have also written the payment application direction under the " memo '' section of the lower left hand corner of my check. I have always been current on my basic payment, including interest and escrow portions of the payment. 

My payments for XXXX, XXXX ( {$1600.00} misapplied ), XXXX, XXXX ( {$780.00} misapplied ), and XXXX, XXXX XXXX {$730.00} misapplied ) were all incorrectly applied. Select Portfolio Servicing , Inc. has ignored the direction on the " payment coupon '' and my checks and has applied my excess payment to a pre-payment of interest and/or escrow for the future month. Select Portfolio Servicing , Inc., has not earned the interest, nor is it entitled to the escrow payment, at the time it received my payment. Further, by employing this procedure they are keeping my principal balance artificially high, thereby if not corrected, would ultimately charge me more interest than that to which they are entitled under the contract. 
In each instance they have done this I have caught it and spent hours both on the phone and in mailed correspondence with them to have the accounting corrected. I have made repeated pleas to ask the account representative, with whom they chose me to deal, to ask the management to correct their procedures. The explanation I have received is something SPS. Inc. calls " Payment Logic '', ignoring the " Payment Coupon '' they have printed on the lower half of its statement. I have threatened to make a complaint and on this third event am now making this complaint. 

The dollar amounts for any one month for one mortgage are not hugely significant for any one contract but if this is happening to multiple mortgage payors over a significant amount of time, Select Portfolio Servicing, Inc. could be cheating consumers out of a large amount of money. 

They have corrected the error each time but it has required close review of my statement, at least two phone calls on their phone tree regulated system, wait times and call backs. I have had to write detailed letters, sort through complex spreadsheets from them to confirm the accounting was corrected. This can be fairly complicated math because each misapplication of a payment to principal affects all current and future interest calculations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I see a few inquires on my account that I did not consent to. Bank Of America XXXX. 
XXXX XXXX. XXXX XXXX. XXXX XXXX. I called to try to get these items removed and after staying on hold for more than XXXX minutes, all the companies did was be rude and give me the run around. The inquires should be removed from my account.
Product: Credit card

Barclays is not honoring their chargeback policy on items that was defective and a seller who was not honoring their return policy by making you pay for shipping. I sent tons of proof and the proof showed that the seller apologized to me and said they made errors XXXX my orders and still Barclays denied my charge back! Im very unhappy as I have sent tons of prof and called them 4 x a month regarding this!!!! I started the process mid XXXX XXXX prof and dates sent to them XXXX 8 pages of proof and had to call Constantly for any type of feedback.
Product: Credit reporting or other personal consumer reports

unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I have been a victim of a data breach resulting in identity theft. Unauthorized accounts and inquiries have been fraudulently associated with my credit report. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request that the following accounts and inquiries be blocked and permanently deleted from my credit file. 
XXXX Accounts : XXXX - Account XXXX. XXXX - Opened : XX/XX/XXXX - Balance : {$320.00} XXXX - Account XXXX. XXXX - Opened : XX/XX/XXXX - Balance : {$1900.00} XXXX XXXX - Account XXXX. XXXX - Opened : XX/XX/XXXX - Balance : {$2000.00} Fraudulent Inquiries : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX