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

I have reached out to Transunion to state that the late payments XXXX posted to my credit report were incorrect. I was protected due to the Cares act, CARES Act and Credit Reports If you made an arrangement with a creditor they can not report your payments as past due. This is as long as your account was already current. This applies to agreements made between XX/XX/2020, and 120 days after XX/XX/2020, or 120 days after the XXXX national emergency ends. I got XXXX in XXXX and was hospitalized from then until XX/XX/2020. I was not working and I called XXXX XXXX to inform them, since then I have been fighting to get these late payments off my credit report, we paid off both credit cards as soon as we got our stimulus checks, we would like to have the late payments removed, my wife is depressed because i lost our home and now trying to purchase a new home. the lender won't move forward until the late payments are removed. we have paid off most of our debt and we pay on time all the time, Please help us obtain a new home.
Product: Debt collection

United Collection Bureau XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX The initian amout was {$600.00} and it was established on XXXX I ( BALANCE 0F {$100.00} ). XXXX I made payments to them but never received any stamens, I taught I was done paying them. I never received a statemt nor a phone call for years in XX/XX/XXXX they placed a collection into my report after i purchased a house. I reached out the company. Before I made the payment, I requested that they remove the item from my credit report which the person I made the payment to agreed to have it removed. After the payment was made, they did not remove the item from my report. I called, i disputed the item and explained the matter to whoever i came into contact with, Still nothing happened. The item is effecting my credit score and that is hendering me from getting the proper rates when I apply for loan. And that is a form racism that keeps people like me receiving higher interest rates.
Product: Checking or savings account

Too many overdraft fees. I had to call in to have a few taking unfairly charged. 

I signed up for overdraft protection and was still charged anyway. If the overdraft worked the transaction wouldvedecline or it won't charge me. This has gone for 5 years. I wake up and there's an unforseen overdraft.
Product: Mortgage

Misapplied payments : The following dates and amounts should have been posted as follows : XX/XX/XXXX reg. payment of {$830.00} XX/XX/XXXX {$1000.00} Principal payment as noted on payment XX/XX/XXXX {$1000.00} Principal payment as noted on payment XX/XX/XXXX reg. payment of {$830.00} XX/XX/XXXX reg. payment of {$850.00} XX/XX/XXXX {$1000.00} Principal payment as noted on payment They keep trying to apply my principal only payments as regular payments, I have called three times and gotten NO HELP FIXING THIS!!!
Product: Credit reporting or other personal consumer reports

The presence of these unauthorized accounts and inquiries has caused considerable concern about my financial stability. It is crucial that my credit report accurately represents my financial history, as it plays a vital role in informing potential lenders about my financial management. Therefore, I am requesting an urgent investigation and swift correction of the following inaccuracies and unauthorized accounts. 

Charge Off XXXX - XXXX - {$10000.00} XXXX XXXX XXXX - XXXX - {$4400.00} XXXX XXXX - XXXX - {$17000.00}
Product: Prepaid card

I was given this general Visa gift card for {$200.00}. On the day i went to use it, it only had {$.00} available. The card was compromised by a company in XXXX, I'm located in Florida. 

I contacted XXXX XXXX XXXX California XXXX The original card was replaced by the company. 
I registered the old card and the new one as well. I was told that i have to wait until they recover the funds from the merchant from what I was told and that it could take up to six months to recover the funds. After they recover the funds, the new card will be reloaded. 
This should be covered by Visa, I complied as requested. I don't understand why this company is making wait to recover the funds if they ever do according to the rep I spoke to. 
I would appreciate an investigation as soon as possible. 
Thank you.
Product: Student loan

I was confused about how the interest payment was calculated. I was trying to get information on how much I should pay monthly to cover the interest on my loan. The calculator on the website, which indicated it would calculate this number, actually gave me a calculation based only on the principle amount of my loan. I figured out on my own that this was wrong, as I owe a lot more due to high interest rates. I called not once, but twice to the lender and each time the agent from Navient assured me that the online calculation was correct. I was mis-advised twice by two separate agents from Navient. Had I not been smart enough to correct it on my own, this would have costed me a lot of money in not being able to fully cover the interest on my full loan each month. I am very disappointed in Navient and do not trust them
Product: Money transfer, virtual currency, or money service

On XXXXXXXX I purchased a Western Union Money Order in the amount of {$800.00}. 
On XXXX, I submitted an online Money Order refund request form and received an email confirmation stating it was received and to expect a refund within 30 days. 
On XXXXXXXX I called Western Union to check on my refund status and the customer service representative informed me that my refund was cancelled, without the company attempting to contact me regarding such. 
On XXXXXXXX I submitted another request for refund and sent this communication via US Postal Service and submitted a non-refundable {$15.00} Money Order ( Money Order # XXXX ) processing fee. 
On XXXX, I called Western Union to check on the status of my refund request and was informed that there wasn't any information regarding my request. 
For your review, I have attached supporting documentation regarding this imperative matter. Moreover, this is the exact documents that accompanied my refund request on XXXXXXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns Regarding Zelles handling of disputes, partially 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 fund was impossible, and tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers, but also allowed repeat offenders to exploit the system leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
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

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 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. 

The following items need to be removed and blocked as they are fraudulent. 

there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete From My CREDIT REPORT The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Account name XXXX XXXX XXXX Account number XXXX Original creditor XXXXXXXX XXXX XXXX XXXXXXXX Pursuant 18 u.s.c 8 I do not own any debt, this company is violating my consumer rights to privacy.
Product: Mortgage

This is my second complaint submitted on this property regarding Ocwen Loan Servicing. Please refer to XXXX attachments that provide a history of my experience. This is my second attempt having requested a Deed in Lieu on my property at XXXX XXXX XXXX XXXX in XXXX, NY. Despite weekly calls since XXXX 2015, this process is still not resolved. On my call today with Ocwen, I was informed by my relationship manager, XXXX XXXX, that my Deed in Lieu was denied due to the property evaluation being ordered but not completed because of lack of access to the property. I do not live in this property and have not had access to this property for almost four years. Ocwen 's Property Preservation Program is the only entity that has access and it was noted several times in my case file for the evaluator to contact them for access. The process has been stalled numerous times over the past several months due to things such as Ocwen not paying their attorneys fees and its relevant departments and contractors not communicating with each other. I was told that I was in the final stages of my Deed in Lieu process being complete until today. Now I am being told that I may have to start the process all over again through circumstances completely beyond my control. I need someone to review all case notes on this file through Ocwen and assist me with bringing this four year process to a close.
Product: Credit reporting, credit repair services, or other personal consumer reports

When my information was originally leaked, they offered me Protection Services. I put a security freeze on all 3 reports and they let numerous inquiries still go through. I also have accounts that are not accurate, not mine and I'm not allowed to dispute them any further.
Product: Mortgage

In reviewing various statements from Owen Loan Servicing # XXXX, which was transferred from XXXX XX/XX/XXXX. There are various discrepancies that need clarifying.The original loan amount was {$640000.00}. Why does the statement say, {$640000.00}. Additionally, I need a breakdown of all costs that the transfer of the servicing to OCWEN such as the alleged interest in the amount of {$120000.00}, alleged Late Charges, {$7200.00}, alleged Escrow advances, {$75000.00} ( copies attached ). In addition, on XXXX of the statements that name at the top of the letter says XXXX XXXX on my account. I need to know why would another person be on my account with my loan address, unless this account in fact does not belong to me. Also in the payoff statement dated XX/XX/XXXX, which has the name XXXX XXXX, and my address, how can the amounts be verified is another person 's name is on my loan. 
I would appreciate your attention in this matter.
Product: Consumer Loan

My wife and I applied to have XXXX of our cars financed through our XXXX Bank instead of continuing our financing with XXXX XXXX. We later received a letter stating that we were turned down because of the credit report from Equifax. The letter also stated that we could contact Equifax for a copy of our report free of charge. I contacted Equifax by phone ( XXXX ) but we were asked for our credit card number as we were going to either be charged {$7.00} for XXXX report or {$11.00} for a different report. When I contacted them via computer ( www.equifax.comXXXX ) it said that I would have to join their membership ( they did n't say the cost ) only that I would be charged monthly and if I did n't later cancel that I would be charged monthly even if their rates for membership was increased. I feel trapped and do not want to share my credit card info with Equifax. The letter from XXXX Bank stated " Under federal law, you have the right to obtain a copy of your credit report ( s ) without charge for 60 days after you receive this notice. '' We received the letter from the bank dated XXXX XXXX, 2016 and today is XXXX XXXX, 2016. Tomorrow morning I 'm going back to the bank to see what is going on. We want a copy of our credit reports they used. Thank you
Product: Debt collection

To my dismay, it has been well beyond the allowed timeframe of 60 days, and I have yet to receive any meaningful information regarding the status of the investigation. I submitted a dispute regarding fraudulent accounts on my credit report, clearly indicating that I am a victim of identity theft. According to the Fair Credit Reporting Act ( FCRA ), the credit reporting agencies are obligated to investigate such matters and provide resolution within a reasonable timeframe, not exceeding 30 days, with a potential extension of 15 days under certain circumstances. The lack of communication and transparency from your bureau is not only unprofessional but also in violation of the regulations set forth by the FCRA. I was the victim and Im not sure why the CRA is not complying with the law. Im very confused why this one seems to ignore my requests. I demand an immediate and thorough review of my case, along with the removal of the fraud accounts from my credit report or, at the very least, a suspension of their reporting until this matter is adequately resolved. It is evident that these disputed accounts are a result of identity theft, as your bureau has failed to verify their validity within the stipulated timeframe. 
XXXX XXXX XXXX -PLEASE DELETE!!! 
XXXX XXXX XXXX-PLEASE DELETE!!! 
I have diligently provided all necessary documentation to support my claim of identity theft, yet there has been no evidence of the bureau 's effort to verify the validity of the fraud. This lack of action is not only unacceptable but also indicative of a serious lapse in your bureau 's responsibility to protect consumers from the damaging effects of identity theft.
Product: Credit card or prepaid card

I am being billed after the account has been closed with a XXXX balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX is reporting on my credit under a collection agency XXXX. I have never had XXXX XXXX and this needs to be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand to see verifiable proof of this information listed on my report " PUBLIC RECORD : US BKPT CT AZ  XXXX  -  XXXX  ''
Product: Debt collection

I had an insurance policy with freeway insurance company who financed with strand financing. I paid XXXX dollars for my down payment and first month payment. I found better insurance and cancelled the policy 6 days after getting it. They kept telling me it was cancelled and the paperwork takes time to get processed I should recieve a refund in a month or so. Soon after I started receiving letters saying I owe money now. I was told to disregard now Im getting letters saying I owe money I speak to the representative one says I shouldnt owe anything thats freeway the other company strand says they dont acknowledge the New York XXXX XXXX of a XXXX day grace period on insurance cancellation. I feel like Im being extorted its all a scam.
Product: Money transfer, virtual currency, or money service

Im writing this to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuits, highlighting significant issues with the platform. Despite using Zelle numerous times, and reporting discrepancies, my financial institution and Zelle fail to investigate my claim adequately. They informed me that recovering lost found was impossible and that tracking these transactions was infeasible. The CFPB finding that Zelle has not only neglected to to protect consumers but has also allowed repeat offenders to exploit the system, leaving user vulnerable to scams.

This lack of accountability and transparency is unacceptable and raised concerns about consumers safety.
Product: Bank account or service

Wells Fargo charged my checking account {$35.00} for overdraft fee when there was sufficient funds in the account to cover the check. This occurred on XXXX XXXX, 2016. The check was cashed and not returned to the payee because of insufficient funds.
Product: Credit card

I WAS TRYING TO BUY A NEW CAR AND THE CAR DEALER TOLD ME MY CREDIT SCORE was too low to get the best deal. It ended up costing me at least {$3800.00} more dollars! I HAVE ALWAYS HAD A HIGH CREDIT SCORE. XXXX AND XXXX HAVE RUNIED MY SCORE. THEY ARE OWNED BY THE SAME CO. THEY DO NOT ACT LIKE OTHER COMPANIES THAT YOU HAVE BEEN WITH FOR YEARS.THEY DELIBERTLY TRY TO UNDERMINE YOU. I AM XXXX YRS OLD AND HAVE SPENT XXXX XXXX YEARS BATTLING A CONDO I BOUGHT THAT DID NOT HAVE A WORKING XXXX. I HAVE NOT BEEN N MY HOME FOR OVER XXXX MO THIS TIME. THEY CALLED TOSAY I HAD NOT PAID A BILL. I SHOWED I DID AND WANTED TO PUT IT IN DISPUTE FOR I WAS LATE TO A MEETING AT MY HOME. THEY DID NOT. THEN THEY DID NOT SEND A BILL I REQUESTED ANOTHER ONE AND PAID ON MY COMPUTER SAYING IT WAS ONTIME. THEY MARKED IT THE NEXT DAY AND MADE ME LATE- SO XXXX 30 DAYS LATE THE OTHER 60 DAYS LATE. I WOULD NEVER USE THEIR CARDS EVER AGAIN BUT EVERYONE TELLS ME INCLUDING THE CAR COMPANY THEY DO THIOS TO EVERYONE. THEY NEED TO BE STOPPED. IF YOU LOOK AT MY SCORES WITH ALL THE OTHER COMPANIES THEY ARE ALL PAID IN FULL EVERYTIME. WHY WOULD I NOT PAY THEM? PLEASE GET THEM STOPPED. AND THEY ENDED UP OWING ME MONEY
Product: Credit reporting, credit repair services, or other personal consumer reports

Notified company that the information being reported is not accurate and should be removed
Product: Credit reporting, credit repair services, or other personal consumer reports

They added another name to my Trans union account. The other person is using my social security number to try to purchase a car at a dealership in XXXX Texas. 

The other name on my account is XXXX XXXX. He tried to purchase a car on XX/XX/2018 XXXX Tx
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX and I am not filing this claim in the third person. I am a living man whose privacy rights have been violated. The accounts listed below have been reporting to my personal report and has had a negative effect on my life, extremely reducing the ability obtaining any credit in my name. 
( XXXX XXXX # XXXX {$420.00} ) ( XXXX XXXX  # XXXX {$1900.00} ) INQUIRIES : XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/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 I have asked these companies to validate and send proof that these accounts belong to me with contracts I signed in wet signatures. So far, they have not done this.
Product: Credit card

I have a Walmart Credit Card. My balance was near the limit and I have been making the payments consisting for the past two years. Just now I have been attempting to improve my credit score and I made a large payment and now after Walmart Credit has decided to review my account and reduced my credit limit which is now going to hurt my credit score instead of improving. Never mind the fact that I have made every payment on time and now that they see I am attempting to reduce the balance which help my credit rating they decide to take action after I made a substantial monthly payment. I seriously questioned the timing and they can use whatever excuse they want but they are wrong. Now my credit score is going to go down. Consumers need to know how Walmart Credit operates. They do n't base on you being a loyal customer who pays their monthly payments on time they decided to do a credit check after they received my payment on XXXX XXXX. I do n't buy it because they know I am attempting to reduced my balance and I will keep doing it until this account is closed. Done with XXXX company.
Product: Mortgage

On or about XX/XX/2022 I made 2 payments totallying {$1800.00} after we worked out a payment plan. The check was returned, so I used my debit card to pay it on XX/XX/2022. Pennymac retried the check and the debit came through at the same time, eventhough it was just about {$2000.00} in the account. This brought my account to - {$2000.00}. My bank sent a request to get one of the {$1800.00} back, which I was told by the company initially they dont do unless it is their fault. One month later I recieved a letter saying I am 4 months behind. I called Pennymac, by the way, this is the mortgage company. When I contacted the company they stated " they reversed the payment in XXXX. I went to the bank because we never recieved the funds. Pennymac said they would investigate were the funds were, they never called my back so, a few weeks later I called them back and was told, " you have to get the money from the bank ''. Again, I went to the bank to inquire about the possibility they somehow misplaced the funds. The bank assured me they did not recieve any funds. Now, they initially said they returned the money in XXXX, which was what was stated on my online account until recently, now it says it was returned the same day I made the payment, which could not be true. Someone at Pennymac had to change the date. All I want is the money to be applied for payments that I am behind, don't understand why the potential cover up. I will include both XXXX and XXXX bank statement, which was requested by Pennymac as well, the negative balance we had to overcome on XX/XX/2022, the bank 's request for the funds and their document that now states it was reversed the same day I made the payment. I highlighted the amounts to make it easy to find.
Product: Credit reporting or other personal consumer reports

I am writing to formally request an investigation into inaccuracies I have discovered in my credit report, as is my right under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i.

Upon reviewing my credit report from Equifax, I noticed the following inaccuracies associated with my accounts : XXXX. XXXX XXXX I believe these inaccuracies may negatively impact my creditworthiness, and I would like to ensure that my credit report reflects accurate and up-to-date information. Under the FCRA, I am entitled to an investigation of these discrepancies, and I kindly request that you provide me with a written response regarding the findings of your investigation within the timeframe mandated by law. 
Additionally, I would like to remind you of your obligations under 15 U.S.C. 1681s-2, which requires furnishers of information to provide accurate information to credit reporting agencies. If any information is found to be incorrect, I request that it be Removed from my credit report promptly.