23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I tried to open a account with USAA a few years and discovered that I have a account opened in my name with a negative balance which I did not open. I have spoke with there fraud Department several time to conduct investigations with no results at all. I have reported them to the CFPB three times also and still nothing. I have reported them to identify theft. gov and they replied that they declined to provide me with the information based on FCRA section 609 ( e ).
Product: Checking or savings account

we receive a wire that's in question and the bank froze my account. I asked them to return the funds to sender if they consider the transaction is high risk but they refuse to. And they decide to hold the funds instead.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX bank reported a 30 days late payment notice to credit bureau on XX/XX/XXXX reporting that I have a past due payment for {$120.00}. A check for {$120.00} was sent to XXXX on XXXX XXXX which was cleared and cashed by XXXX on XXXX XXXX, But XXXX failed to post the check to my account due date on XXXX XXXX and instead they posted the check on XX/XX/XXXX, XXXX resulting in a late payment. 

In addition, payments record from XXXX credit card statement indicates that I have never failed to submit a payment on time. Therefore, I am not sure where is the 30 days late reporting is coming from. 

Upon contacting XXXX, They indicaed that there are a posting problem on their end and sometimes it is taking more time, which causing for the payments being misapplied towards different statements and invoices. 

I filed a claim with truist to correct the reporting on XX/XX/2022 and I have yet to hear from them. I filed a dispute with Experian on XXXX XXXX as well and I submitted all the evidance supporting my case ; however, they still did not remove the late payment reporting on my payment history which is resulting significant financial damage due to my credit scoring dropping more than 50 points which led to me not being able to apply for financing to purchase solar panels system for my property.
Product: Student loan

Before federal student loans started charging interest again, I had requested my first deferment around late XXXX of XXXX because I had no source of income at the moment. MOHELA, the lender, honored my deferment within about 7 days that started in XX/XX/XXXX and ended XX/XX/XXXX. XX/XX/XXXX, 11 days before the first one was supposed to end, I had requested another deferment and set it to go in effect on XX/XX/XXXX. My balance by then was already showing for how much I owe in XX/XX/XXXX. 3-5 days prior I had emailed MOHELA asking for how to temporarily put my repayments on pause, with no response. I had then applied for a second deferment thinking that there was a glitch in the system. Second deferment was applied to on XX/XX/XXXX and requested the deferment date to be XX/XX/XXXX. Still no response on my status from either time as of today XX/XX/XXXX. I do however keep getting emails on when my loans are due but no one is responding to any emails. I have been frustrated with MOHELA and their lack planning on their end. They want me to make payments without even having enough money to do so at the moment because of my cost of living. I would rather have my loans transferred over elsewhere at this point than to deal with a company who is ignoring their borrowers/co-borrowers
Product: Credit reporting, credit repair services, or other personal consumer reports

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 that a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking through my credit profile on XX/XX/XXXX and trying to get my credit back in good standing. I noticed to inaccurate things that were fraud and never authorized by me. I got 2 hard inquiry XX/XX/XXXX by XXXX 's and one from XXXX XX/XX/XXXX. I never requested these cards/loans or did any type of business with them on that day that my score needed to be ran.
Product: Credit card

I have around XXXX transactions charged to my Bank of America credit card that are all fraud adding up to over {$1000.00} I have called, emailed submitted fraud claims & been denied. I have screenshots Ive sent as to what charges were mine be what are not. Ive been calling & resubmitting these fraud charges over & over.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im writing this on behalf of my minor XXXX. Last year I received a letter from the state of Utah saying that there had been a breech and my sons social security number had been compromised. I also got a letter stating someone was using his number because there were reported wages coming back associates to it. At the time he was XXXX and was not then nor has ever had any kind of employment that would reflect earnings. I have attempted to request his credit report from all 3 reporting bureaus so I can see if someone is trying to use his credit as well and if not then to lock his file out so no one can use it. The state of Utah has been of no assistance whatsoever in resolving this. None of the credit bureaus will supply me a copy of his report because he is under XXXX. The instructions for getting one advised me to file a complaint on this site as the initial step. I have now done that as well as mailed all requested documents into each agency individually.
Product: Mortgage

I'm a XXXX veteran with a XXXX property credit. Instead of Rocket mortgage viewing the tax detail report sent over by XXXX XXXX here in Ohio. They assumed I didn't have a property tax, even doe they got the escrow taxes correct last year, they assumed I didn't have a property tax this year, so they weren't putting it to the side. Now from their error i have a shortage, which increase my payments by {$870.00} per month. I can't afford this new payment. I've never missed a payment, now an error on rocket mortgage will have me to foreclose.
Product: Mortgage

I received a letter from my mortgage company, Carrington Mortgage services , LLC, stating I had an estimated escrow shortage of {$350.00} and if I wanted to prepay that, I could otherwise my monthly mortgages payment would Increase. This happens every year that my mortgage payment increases Whether I pay the estimated escrow amount or not. So I decided to figure out what I was doing wrong and pay that as well to keep my monthly payment t the same. Especially with the pandemic and decrease in income Ive experienced. 
So I figured out my insurance had also increased $ XXXXmonth which would total to $ XXXXyr. On XX/XX/XXXX I called the mortgage company at XXXX XXXX XXXX XXXX aN spoke with a woman named XXXX. She agreed that my numbers were correct and said I could Prepay a total of {$510.00} towards the escrow therefore the estimated Escrow shortage and the Actual insurance increase would be paid and my monthly mortgage payment would stay the same. She told me to call back on Friday XX/XX/XXXX and check to make sure the escrow analysis was completed and to make sure the payment was the same. I did what she said but XXXX answered the phone and said that this was not possible that I could only preepay the estimated escrow shortage for next year, i could not prepay the extra Insurance increase to keep the monthly mortgage payment from going up. And that I would be getting a refund for the extra {$160.00}. I asked to speak to a supervisor and XXXX came on the line and said the same thing- I asked why would XXXX tell me I could and she said She did not know but she gave me the wrong information. I clarified with her That I coukd pay and ESTIMATED escrow shortage, but I could not pay an ACTUAL. Insurance Increase. ( Which by the way is the same thing just different language - both are increases in my mortgage as you well know. They just word it differently. ) She said no I couldnt bc they dont set the insurance rates. I responded that I knew that but they charge me for them. If its an actual amount that set its much easier to deduct than an estimated amount. 
She was not budging and was feted nothing else. By the way, on XX/XX/XXXX when I got home from work I had my new bill from the mortgage company, ,which I assume was generated by the escrow analysis that was done on XXXX when I called and made the prepayment. It had the increased New Monthly mortgage payment nicely printed and in my mailbox. Ive yet to receive the refund check for {$160.00}. 
I will add the paperwork In the order it was received with this complaint. 
Sincerely, XXXX XXXX
Product: Mortgage

When I had initially shopped for a mortgage, I was approved for {$100000.00}. My wife and I found a house. We negotiated a price with XXXX % sellers assist. The mortgage company told me over and over again my closing costs would be {$3800.00}. I put down {$1000.00} as my earnest deposit, which was supposed to leave a balance of {$2800.00}. Working with the title company I did not have a cost until the day of closing, I had received several different amounts. The day of closing we were given a fee. I went to the bank, got a check for the amount went to closing and was told it was wrong. I sat there and waited 3 hours for them to correct the numbers, they could not. In the end the bank had went home and we couldnt do anything. Then Monday they requested all of the funds for the mortgage to be returned to them and we had to wait an additional week to close, which again they had incorrect numbers. We also had to pay an additional {$110.00} in taxes and interest for waiting the additional time to close. In the end my closing costs ended up being {$5800.00} plus the {$1000.00} earnest deposit. The company claimed they were n't aware of certain fees that came up and that there was nothing they could do about the costs. Even though the title company has proof they sent them the fees to be included into the closing disclosure they chose to ignore those fees.
Product: Credit reporting

Some of the questions referring to my credit history asked about mortgages that I have never had, in or around XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Dispute of Inaccurate Charge-Off Reporting and Non-Compliance with FCRA TransUnion Dear TransUnion, I am writing to dispute the continued reporting of a charge-off on my credit report for the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Accounts that is being referenced to has been reported as a charge-off accounts, even though XXXX has already removed these entry following a similar dispute I filed with them. I believe that TransUnion is not complying with the Fair Credit Reporting Act ( FCRA ) in maintaining this inaccurate and outdated information on my credit report. 

According to 15 U.S.C. 1681n, under the FCRA, credit reporting agencies are required to ensure the accuracy and integrity of the information reported, and failure to comply with these provisions can result in both legal liability and the requirement to remove erroneous information from consumer credit reports. 

I am requesting that you immediately investigate and remove the inaccurate charge-off entry from my credit report, as XXXX has already removed the same items due to its inaccuracy. As per the FCRA, you are required to report accurate information, and the continued reporting of this charge-off constitutes a violation of the statute. Specifically, under the FCRA ( 15 U.S.C. 1681n ), you are liable for damages in the event of a failure to correct or remove inaccurate information, and I expect a full investigation into this matter. If TransUnion does not comply with my request to remove this charge-off, I will pursue further legal action and have filed complaints with both the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) for non-compliance. 

Please ensure that this matter is addressed promptly. I expect to receive confirmation that this incorrect entry has been removed or corrected from my credit report within 30 days, as required by law. Thanks for your attention to this matter! I look forward to your swift response, also attached is copy of current up to date report from XXXX showing accounts that is in question has been removed and no longer reporting anything about the account on current report!
Product: Debt collection

XXXX - This is where I beg the difference, you certainly are in the wrong : Under the rules of the FDCPA, a debt collector such as yourself ( Diversified Consultants, Inc ) identified as a DEBT COLLECTOR are required by Federal Law if you are attempting to collect a debt to provide details about a debt by sending a written notice with the following information. 

Name of the creditor Amount allegedly owed Instruction on how to repay the alleged debt *Just for your future collection practices, since you think you did nothing wrong. This is called the validation notice and must be sent to the consumer within five days of initial contact. 

So let me suggest you remove this immediately from my credit report since you practices seem to be unknowingly UNETHICAL!!! 

Regards, XXXX XXXX
Product: Student loan

My complaint is not with XXXX or the loan in itself. There was a lawsuit with American Financial Benefits Center, which I was told was taking care of my student loans by consolidating all my loans. They were helping with my paperwork. I was enrolled in their programs and then found out that it was a scam. I've been with this company since 2015. That is when I enrolled with American Financial Benefits because I believed they were consolidating everything and putting me on the Income Driven Replacement program where If I made 120 qualifying payments then I would be able to have a portion or the rest of my student loans forgiven. It was brought to my attention by XXXX that it was all a scam. If been making my payments to them instead of directly to XXXX. I do not have a tallied amount up of how much money I have paid this service provider but I would like to know what steps I can take. I should have made more than the 10 qualifying payments that XXXX currently states I have made. I have no idea what I should do next. I believe it was a scam.
Product: Bank account or service

Wells Fargo XX/XX/2015 took {$16000.00} from my credit line, and put in somewhere? I did not do it as I always pay every credit card in full each month and monitor the account. I had to change all of my account numbers, change all of my autopays, such as water, trash, electric, XXXX, etc, and not one answer as to who transferred that {$16000.00} and to where. It caused me hundreds of hours, on the phone on hold filing complaints, as a working mom, to deal with this and correcting all the autopays, And! I was not going to pay for interest on something I never would have done! OK, that finally got fixed. I moved to Oklahoma because my father died and I still had WF, on XX/XX/XXXX, after moving clear across the country with all of my belongings and not even having a home, they did it again! This time it was even worse, because there are not WF offices in Oklahoma, I again, spent days on the phone trying to fix this situation because it affected all of my credit and debit cards, it was the only bank I was dealing with at the time. It was a nightmare and the most stressful time of my life.
Product: Debt collection

I was signed up on XXXX XXXX XXXX through an XXXX XXXX representative and signed up for paperless billing. Each month I received an email to pay through their online account. On the email sent on XX/XX/XXXX, the only option on the bill was to make a payment. As stated in that email, through my account I was able to access current credit limit, available credit, and important account information. I was not able to view statements through my account. I scheduled payment for {$200.00}. Suddenly and without warning an additional {$1800.00} was added to my balance on the XX/XX/XXXX email. I also noted that the email now allowed the option to view statement. Upon entering my account, suddenly there was a tab to view statements which was not previously there. I contacted XX/XX/XXXX to see if I could just pay the {$1600.00} to resolve the charge without the newly added " finance charge '' because I was not made aware that there would be a change and they stated that every email they had sent me included a link to " view statement, '' which was not the case. When I went to my account, suddenly a tab with statements appeared that was not previously there. I can not prove that the statement tab was not available on the account, as I did not anticipate this issue beforehand in order to screen shot it. Based on the information, I believe that their entire business model seems based on deceiving consumers to impose large finance charges, refuse resolution, and leave the consumer no other option but to overpay or refuse payment and dispute charges so that they could sell the debt off to debt collectors and write off disputed charges on their taxes, which would affect not just me, but the government. I attempted to reconcile by offering to pay the full {$1600.00} that was the previous month 's billing total to not move the dispute further and they refused. I've also never missed a payment and would, more often than not, pay more than double the minimum charge. I have acted in good faith with the company and in return, they withheld information from me intentionally to obtain an exorbitant financial charge.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account 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 29 It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act the creditor violated my rights under 15 USC 1681 section 602. States I have the right to privacy under 1681 section 604 ( a ) section 2 states a consumer reporting agency can not furnish an account without my written instruction, under 15 USC 1666 ( b ) a creditor can not treat a payment on a credit card account under an open in consumer credit plan as late for any purpose I was also a victim of the experience data breach in 2017. There is fraud on my account.
Product: Student loan

I received a random phone call and was told this company Equitable Acceptance could give me complete student loan forgivness if I paid them {$42.00} for 14 months. This would be the only payment I would have to make instead of several student loans. They told me I had 48 hours to make my mind up. I made the mistake of giving them my banking information and thought they would help me. Turns out the information they gave me was false. I got a real student loan bill form XXXX and wondered why I had to pay them as well. I called XXXX and they advised me I had been given false information and was in a scam and needed to call my bank. I changed my account number and the bank said they have saw this all before. I also called Equitable Acceptance and they told me I had to either pay {$42.00} a month for 4 years or pay {$600.00} within 3 days or I would be sued. This is a scam and I think it is disguisting. I want nothing to do with Equitable Acceptance. They prey on the poor middle class who paid thru school. I have enclosed the bank slip where they took the {$42.00} out on XXXX/XXXX/XXXX and it was even called a loan payment.This is a fraudulent company for sure. I want them out of my life. I gave personal information to a scam company.
Product: Debt collection

I contact Trident Asset on more than one occasion requesting information that it was me that open up the account I had sent them police reports, FTC report letting them know that someone opens up an account in my name fraudulently. Then sent me a letter stating that it was me that open it up and a bill. I never signed a contract with them, nor the company they are collecting for and they are not providing me with the details that I requested from them.
Product: Debt collection

XX/XX/2020 to Present day- Repeat phone calls to my family members { as young as XXXX years old } and non related friends. XX/XX/2020-The debt collection company did not want to resolve the issue by accepting small payments or discuss other options, they said " We will consider this a refusal to pay '' and threatened my credit. I do live on a tight budget, so large payments are not possible.I am more than willing to work with them on resolving the issue, but the constant phone calls to my family and friends is harassment and can not be tolerated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A NATURAL PERSON I AM A LIVING HUMAN BEING I HAVE RGHTS UNDER 15 USC 1681 XXXX IS GOVERN BY 15 USC 1681 AND THEY VIOLATED MY RIGHTS NUMEROUS OF TIMES I DEMAND THE ACCOUNTS LISTED BELOW BE REMOVED BECAUSE ACCORDING TO 15 USC 1681 I HAVE THE RIGHT TO PRIVACY AND I DID NOT GIVE XXXX WRITTEN PERMISSION TO XXXX THESE ACCOUNTS ACCOUNTS XXXX XXXX  # XXXX XXXX # XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I don't why it happened but I know for sure that this inquiry is not authorized by me and was done by that creditor without my consent! You must remove this as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account XXXX XXXX XXXX  is not my account. The account does not belong to me. This means that I was not the person which had this account with XXXX XXXX XXXX. XXXX XXXX XXXX  has reported this account to my credit report but this account was not opened by me. I did not give authorization for anyone else to open this account. Therefore the XXXX XXXX XXXX  account must be deleted from my credit report