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

Upon reviewing my credit report, I have discovered that certain information is inaccurate. The following item ( s ) require rectification : details. XXXX XXXX XXXX Credit Report Date : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also Known As : - - - Former : - - XXXX XXXX  Date of Birth : XX/XX/XXXX XXXX XX/XX/XXXX Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX Employers : 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  {$17000.00} open account XXXX XXXX {$17000.00} opened XXXX, XXXX  XXXX {$810.00} open XXXX, XXXX  XXXX {$280.00}, XXXXXXXX XXXX XXXX  {$5500.00} opened XXXX, XXXX XXXX XXXX opened XXXX Please remove this from my report. In accordance with the Fair Credit Reporting Act, I hereby request that you investigate these items and remove them from my report. I understand that you are required to verify these items with the corresponding creditor. Should the creditor fail to provide verification, please eliminate the disputed information. Pursuant to 15 U.S.C. Sec. 1681i ( a ), I expect this reinvestigation to be completed within 30 days from the date of this letter. Please send an updated copy of my credit report to the aforementioned address. As per the act, there should be no charge for this updated report. Additionally, I kindly request that you notify any party who has received my credit report within the past six months of any corrections made. Thank you for your attention and assistance in resolving this matter.
Product: Student loan

Navient keeps adding balances and subtracting balance from my account. This is adversely affecting my credit score! I am in the middle of financing and their frequent updates are detrimental to this process. For one, they did not have my correct contact information and I was not able to be notified I was out of forbearance. I respectively ask that the dates from XXXX - XXXX be removed and set to current. As soon as I contact Navient my loans were put back in forbearance. Also I want all loans older 7 years off my credit report, as the is more than the SOL for my state, I need this done ASAP, as Navient is doing illegal collecting and reporting practice
Product: Checking or savings account

I applied for XXXX benefits in XX/XX/2020. I had been waiting for several months to get a ATM debit card and I even walked into the branch to ask for one and I was told I had funds in my account but no physical card. Then there was the government shut down due to the pandemic and no banks were open to walk into. I have called several times and gotten no where except cut off the line when there was going to be a representative answering but no one would be on the other end of the line and i waited 4 hours at a time to talk to a representative. I also have emails and dated letters and even evidence that i have on file with the XXXX XXXX Superior Court EDD Appeals office on record that i continuously attempted to resolve this matter. I have police reports and identity theft affidavits on file with the FTC. I recently won an appeal with the EDD about my benefits that were never received and i was favored in the appeal and was granted my funds. There were unauthorized charges on my account from a card I never received in XXXX and the ammount I was owed was not there so i filed a claim and now Bank of America froze my account and denied my fraud claim with no explanation and i do not want to deal with this any longer. can someone please help me ... ..????
Product: Checking or savings account

We initiated a wire transfer from XXXX at Goldman Sachs online savings account. They wired the money to an entirely different bank with a different routing number, despite admitting, we gave them all the correct information. However, it took XXXX days for them to find the money and recall the funds. In the meantime, we had been hung up on by many customer service agents and nobody would tell us where our {$330000.00} went. We needed that money to close on a new home we purchased and as a result of being late on closing we ended up owing the sellers {$600.00} in rent back fees. Goldman Sachs refuses to give us more than {$100.00} in XXXX credit. And they wont tell us how this banking error happened in the first place. It was incredibly stressful for myself and my husband, as well as the sellers of the home we purchased and all of our real estate agents in title company personal.
Product: Credit reporting or other personal consumer reports

XXXXk XXXX XXXX added a late payment to my account on my credit report that was absolutely incorrect 15 USC 1666B -A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date
Product: Money transfer, virtual currency, or money service

I am writing to formally Express my concerns regarding Zelle 's handling of disputes, particularly in light of The recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times And reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers, but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable which raises serious Concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

my Identity was stolen and personal information was compromise. I filed a police report with my local police Office, including the federal trade commissioner, I also set up a fraud alert with all the  XXXX  credit Bureaus, ( Equifax,  XXXX ,   XXXX   ) I contact   XXXX   XXXX   but they could not trace any information. neither they would able to help me the issue please refer to credit report attach, I have tried to fix the problem with the credit bureaus but no luck please see Equifax response.
Product: Debt collection

I am writing this letter to dispute inaccurate information reported to the credit bureau and fraudulent charges on my credit report. The following creditor and accounts are in dispute : 1. Creditor Name : Synchrony Bank Account number : XXXX Account number : XXXX I have charges and a new credit account on my credit report that I did not authorize. This violates my rights under the Fair Credit Reporting Act. I did not visit, apply, co-sign or authorize any debt related to a purchase at XXXX XXXX on XX/XX/XXXX. The signature on the credit application and the sales receipt is for another individual, named XXXX XXXX. I did not visit or shop at XXXX XXXX, located at XXXX XXXX XXXX XXXX, XXXX, MD XXXX and I did not benefit from any transactions which took place on this date. XXXX XXXX visited XXXX XXXX and applied for new credit to purchase jewelry. The store fraudulently used an old Synchrony credit account ( i.e. account # XXXX ) opened in XX/XX/XXXX, despite the fact that this was a new credit application, signed solely by XXXX XXXX on XX/XX/XXXX. XXXX XXXX fraudulently applied new charges in the amount of {$2300.00} to an old joint account, established in XX/XX/XXXX. This if fraudulent because XXXX XXXX did not use the credit card attached to the old joint account ( i.e. account # XXXX ), hence the reason he applied for new credit onXX/XX/XXXX. I disputed this transaction in XX/XX/XXXX and then Synchrony Bank transferred the charges to a new credit account ( i.e. account # XXXX ) in XX/XX/XXXX and mailed new credit cards. I never applied for credit with Synchrony Bank to warrant receiving these new credit cards inXX/XX/XXXX and request that it be removed from my credit report. I have also written letters to all XXXX credit bureaus and the Consumer Financial Protection Bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

Somebody has been using my identity to open credit card, loans that have not been paid. There is an unbelievable amount of accounts opened, and 41 hard inquires. I seriously need your help I do not know what to do. This is insane. I do not trust anyone please help. This has made my life very difficult. I was receiving fake letters from banks that I was approved, I received credit cards that were fake and didn't work. How am i suppose to fix this, I can not believe it.

Now that I need working capital for my businesses I'm getting denied. How am i suppose to buy a house. I don't know what to do. My car is soon going to be repo because I cant get any help from anyone. Please tell me there is a way to fix this.There is phone numbers that are not mine, jobs I dont know
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXXXXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  is on my credit report twice due to identity theft. I was told to file a identity theft report with the Federal Trade Commission and these XXXX closed accounts would be removed. I previous sent a police report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX student Loans company and XXXX XXXX XXXX reported a negative trade line to my credit report without sending any verification relating to particulars in the amount of {$62000.00} for XXXX XXXX and {$2300.00} for XXXX. XXXX XXXX XXXX XXXX has also contacted me in efforts to collect alleged debt, ( in the amount of {$26000.00} ), in unlawful and unjust manners. They have contacted me directly via phone, mail, and email without my consent, as well as my family members who have no relations to the alleged debt. According to title 15-1692B of the FDPCA dealing with communication with third parties, the only way a collection agency can communicate about any debt, 1 ) they MUST have a post judgement from a court or competent jurisdiction or 2 ) prior to consent from the consumer giving express consent to a court of competent jurisdiction. This is in violation of New York General Business Law Section 349- Deceptive Acts, Section 380S- Identity Theft and title 15 U.S.C Section 1030- Access Device. The reporting agency did not follow laws under title 15 U.S.C 1681S-2 ( a ) - Duty of Furnishers of Information to provide Accurate Information.
Product: Credit reporting or other personal consumer reports

I'm a victim of identity Theft. My information has been exposed in the XXXX data breach. The following inquiries are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX, SC XXXX XXXX  XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX {$13000.00} XXXX XXXX : {$1200.00} XXXX XXXX XXXX : {$300.00} XXXX XXXX XXXX XXXX : {$520.00} XXXX  XXXX Balance {$5900.00} XXXX XXXX  XXXX Balance {$1100.00} XXXX XXXX XXXX XXXX : {$2200.00} XXXX XXXX : {$7300.00} XXXX XXXX XXXX Balance {$310.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Debt collection

I have advised on numerous occasions that the balance on account they are trying to collect is from XXXX. They are now reporting this collection account on my credit report which is way past the statute of limitations. Key 2 Recovery is trying to state this balance is from XX/XX/XXXX which is 100 % inaccurate.
Product: Credit reporting or other personal consumer reports

there are numerous inquiries in my report that i don't recognize. These area fraud and i wanted to have them removed. I have been disputing this for quite some time now. Kindly remove the following : 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 XXXXXX/XX/XXXX
Product: Credit card or prepaid card

My Capital One Statement date is for XX/XX/XXXX thru XX/XX/2023 ; with the due date of XX/XX/2023 also the statement dated for XX/XX/XXXX thru XX/XX/2023 with the due date of XXXX XXXX. 
I made a payment to the comapany on XXXX XXXX which left a balance of {$770.00}. When the XXXX statement came in it stated the balance was {$770.00}. On XXXX XXXX I made a payment of {$35.00} and then again on XXXX XXXX I paid the remaining balance of {$740.00} ( this payment was posted the same day and taken from my bank account on the XXXX ). This should have left me with a {$0.00} balance on the card. 
I receieved the statement that has the due date for XXXX XXXX with a balance of {$14.00} for interest on purchases. I have not purchased anything since XXXX of XXXX  according to my statements. 
My main complaint is why do I have a balance of {$14.00} on my current statement for interest on an account which was paid in full before the due date and why should I pay this charge????????
Product: Mortgage

This complaint is against Wells Fargo Bank , NA, XXXX ( corporate capacity and/or trustee capacity - of an unidentified trust ), XXXX and XXXX. 
Documents recorded with false information, fictitious entities and incorrect information. No evidentiary support given. These documents were created specifically to foreclose and do not represent any valid underlying financial transaction. More information is attached in the exhibits, which include the body of the complaint and the recorded documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX sent me an email that someone had accessed my credit report & i had not applied for anything credit wise - i found a company called XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX had accessed my credit report without my consent- i called them and they said someone in California had applied ONLINE for a credit card in my name and they did not issue because of too many inconsistancies ... i ask them to remove the HARD hit from my credit as i had not signed anything or given them consent - i put fraud alert with the XXXX major reporting services- and sent them proof of my residency in Fl -- -- i sent a letter to XXXX XXXX Bank as well and called them which they kept telling me to send the info along with a FTC report to the credit bureaus and to date they still have NOT removed their HARD hit -- -- -why am i being punished and made to do all this work when they were the ones that illegilly accessed my credit report - and it was obvious from the beginning it was FRAUD so why will they NOT remove their inquiry?
Product: Credit reporting, credit repair services, or other personal consumer reports

one student loan account is reporting under my equifax credit file, this account was opened with out my knowledge, i have tried to dispute several student loans that did not belong to em,, every single one from all three bureaus since they were inaccurate were removed except this one account ( us dept of education account number XXXX date opened XX/XX/2011 {$750.00} ), i have disputed this account with equifax several times, but ehy have not been helpful. 
please you are my last hope to have this corrected, i will be attaching my FTC report and the police report. please find attached. 
thank you for your cooperation in this matter thanks
Product: Consumer Loan

I have an installment loan that I have had for about 4 years now. My vehicle is being held as collateral. Heights Finance will call my phone and my place of employment up to XXXX times per day each. Often times due to only one person income I pay within 30 days of due date. My recent ACH payment has been returned after only being processed once in my bank account. XXXX XXXX from the XXXX IL Branch, contacted my place of employment and spoke with one of my co-workers which happens to be one of my employees and advised her of the amount that I was behind and that the check had been returned after the co-worker advised that if it was regarding a debt she should really contact my personal cell phone. She has also left messages threatening a judgement for being 30 days late.
Product: Mortgage

I have been trying to reach this company about receiving an application to apply for temporary relief from mortgage payments due to XXXX XXXX XXXX XXXX XXXX. Ive tried to apply online, but have never been allowed to go online to do so. Ive asked for an application. Nothing. Then, in the wee hours of this morning, under cover of darkness, a letter from this company is taped to my door. 
I dealt with this company a year ago, and during the course of a loan mod, and in violation of the Frank Dodd act, utilized dual tracking and continued with foreclosure. Their claim was that I had not sent in the award letter for unemployment. I had sent it multiple times. With the help of WV state agencies, this was avoided. I also made a complaint to a state senator about the behavior. I am XXXX XXXX  citizen who lost a full time job due to a XXXX XXXX XXXX. The employer involved has refused to pay. I am currently on social security retirement and a XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I need help from the CFPB in effectively communicating with this corrupt company.
Product: Mortgage

I Closed on my home XX/XX/XXXX with a different mortgage servicer and {$3500.00} was in my escrow for taxes from XXXX XXXX to my closing date paid for by my builder. Lakeview Loan Servicing acquired my mortgage XX/XX/XXXX. After closing I applied for my homestead exemption as well as my XXXX XXXX XXXX veteran exemption both of which were granted in XXXX of XXXX retroactive to my closing date and eligibility date of XX/XX/XXXX, at which point Lakeview Loan Servicing conducted new escrow analysis. The escrow analysis came back and exempted me from property taxes for the year. Following this escrow analysis I was paid an overage disbursement of {$5000.00} on XXXX XX/XX/XXXX And my monthly note was then {$2100.00} down from the previous {$3100.00}. On XX/XX/XXXX a tax payment was made in the amount of {$1100.00} another on the XXXX for {$540.00} and another on the XXXX for {$810.00} resulting in an escrow advance of {$1100.00} and my payment in the year XXXX thus far have been paying down that advance. In XXXX of XXXX my homeowners insurance was paid in the amount of {$2900.00} resulting in an now advanced escrow balance of {$2900.00}. When the insurance was paid in XXXX of XXXX my mortgage also increased in an attempt to recoup the escrow account to {$2500.00}. I have spoken with no less than 10 different customer service agents in the last month and had my case escalated. It took almost 2 whole weeks for the case manager  from escalation to finally reach out at which point I was told that they would look into the taxes that were apparently forgotten about for the time period of XXXX that I didn't live there ( XX/XX/XXXX -XXXX XXXX ). I was just contacted today XXXX XXXX by the case XXXX again because Lakeview completed another escrow analysis and was showing me fully exempt resulting in a new payment of {$2500.00}. I tried to explain that was not the issue and I was concerned with the fact that I was rebuilding my escrow account do to their mistake. There was an error in the implementation of my exemption and due to that error in the escrow analysis Lakeview did not anticipate paying those taxes and had to pay when the bill came in. My case manager told me " This escalated case is completed we have verified the exemptions '' which isn't even why I escalated in the first place. Finally I was told that if I disagreed with their decision I could send a certified letter to a XXXX XXXX in Virginia to the " Office of the customer '' the escalate further. I requested to speak with a supervisor or to be transferred there directly and was told the only way to reach that department was via the XXXX XXXX XXXX I have been dealing with this issue for over a month now and have received nothing but pushback from them insisting it is my responsibility to pay for their mistake. I have attached the payment history showing the tax payments and escrow balance through the life of the loan my closing disclosure showing in Part G section 3 the amount to be used for prepaid taxes, the 2 escrow analysis I have access to as well as the tax bills for XXXX and XXXX and emails showing the first day I was contacted and the last day I was contacted.
Product: Mortgage

XXXX I WAS WITH XXXX MORTGAGE SOLD MY LOAN TO OCWEN. THEN OCWEN SAID THAT I WAS BEHING SINCE XXXX DIDNT RESEND THE PAYMENT TO OCWEN. SO I M BEEN BACK AND FORTH SENDING OCWEN ALL MY PAYMENT AND/OR RECEIPTS. 
THEY WERE SUPPOSED TO LET ME KNOW IF EVERYTHING WAS OK BUT I AM STILL WAITING FOR OCWEN TO CALL ME.
Product: Debt collection

This company keeps trying to collect on a debt that originated from another creditor that has settled the account and charged off and shows paid on my credit report with all XXXX credit bureaus. This company has nothing to do with the original creditor. They are saying because the original creditor charged off an amount that I still owe that even though it was settled with original creditor They have called multiple times a day. some days early late and in the middle of the day. they have also called just after XXXX on a Saturday morning which I am including with this complaint
Product: Credit reporting

Bills from hospital are 0.00 for the 2012 year, it still shows up in the collection area.