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

I am writing to dispute and request the correction of inaccurate information on my credit report. Upon reviewing my credit report, I have identified has an accounts that are reporting late payments inaccurately. I have contacted the company associated with these accounts, and they have confirmed that the late payments was errors and have agreed to update my accounts and remove the late payments. 
I would like to bring to your attention that other credit bureaus have already corrected these accounts on their end. Therefore, I kindly request that you update my credit report to reflect these corrections. I understand that you are required to conduct a reasonable investigation into disputed item. I request that you investigate these accounts promptly and make the necessary corrections. 

Below are the accounts in question : XXXX  XXXX XXXX and XXXX XXXX XXXX.
Product: Money transfer, virtual currency, or money service

I was scammed by a person on XXXX. They were selling me tickets to a concert. We were in communication for about XXXX hrs before the transaction. I sent the money via XXXX and they told me they received and asked for my info to send me the tickets. Which is surprising that XXXX is considered " authorized ' form of transaction when all you need is someones email? Thats the last time I have heard from them after several attempts. I immediately contacted my bank WellsFargo to let them know what happened and to have the transaction cancelled. I spoke with three different representatives who told me three different things : 1 ) I can provide them with a police report they will be able to help me, 2 ) I need to file a money movement claim with wellsfargo ; and 3 ) None of the above is true and no one can help me. Working with wellsfargo was incredibly frustrating and disappointing and i will never use XXXX again. XXXX is more secure than them.
Product: Checking or savings account

on XXXX XXXX, 2024 at XXXX I deposited 3 checks in total sum of {$4500.00}. this deposit was made at Chase bank XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX, IL. 
this amount was never deposited in my business account. On Monday XXXX XXXX, 2024, I visited the bank and discussed the problem with the bank manager. I was told that due to computer issues on the date of deposit, some deposits had to be verified and that by Wednesday XXXX XXXX, 2024 my deposit should be in my account. As of the time of this complaint, there has been no activity on my checking account. I have attempted twice to contact the bank and have left two messages, and have not received any call back. 

I have a small business and need these funds to operate my business.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. it is my understanding that you will investigate these items for me to ensure accuracy. here is the item i am asking you to verify as accurate : XXXX XXXX Acct number : XXXX
Product: Checking or savings account

A company called XXXX charged my account XXXX usd on XX/XX/XXXX at XXXX XXXX I have never used this company or service so I contacted my bank a few minutes later and disputed this transaction The bank ( chime ) asked me for documentation proving this was unauthorized and I said that I didn't know how to prove money was stolen from my account other than the funds being missing and me knowing I didn't spend XXXX XXXX they advised me to file a police report wich I did then my bank canceled my card after verifying I had not lost my card and it was still in my possession. I got a letter after requesting a reason why they denied my claim and they basically said in the letter that nothing looked out of the ordinary and that because I used a basic bank function prior to the charge wich moved money from my savings to my checking account that they believe I anticipated the charge and therefore it must be legitimate. The bank ignored my other evidence I submitted that this is a scam ie, the phone number is unreachable and the company is not on any XXXX search after I have attempted to connect with the merchant over 12 times no response. The bank didn't investigate the merchant or attempt to contact the merchant they only did a half assed look into my spending and determined it's not unusual and deneyed my claim. This is I believe unfair and poor practice and hardly can be called a investigation into my request
Product: Vehicle loan or lease

The problem is the loan on the used car has been for 4 years and since I have drove the car off the lot it has been problem after problem the 2017 XXXX XXXX  is a piece of XXXX Can't contact the dealer because ironically they went out of business after purchase.. and again it needs work.. can't fix the XXXX to XXXX dollar problem and pay the payment ... global lending services is also garbage.. and the more I complain the more business they get the more fees and interest I get charged.
Product: Debt collection

After reviewing my credit profile on XX/XX/2018 I identified a discrepancy with account listed under AFNI Inc.. I requested a validation on XX/XX/2018 as there was 1 account that I did not recognize. I reviewed my credit report again on XX/XX/2018 and account was listed as disputed by consumer but I had not received any correspondence from creditor to validate this account as correctly belonging to me. Credit report was reviewed again on XX/XX/2018 and the account is still reflecting on my report and I do not believe the account belongs to me nor that the creditor has authorization to legally access my medical records and to attempt to collect on this account and this account continues to negatively affect me.
Product: Credit card

On several occasions, either as a result of CITI contacting me or myself calling CITI, have I stated that once excessive late fees and other exorbitant charges are addressed and reward points applied to balance I would immediately make arrangement to pay balance of card. Each and every time the associate would claim to make a notation to my account, and state that they were unable to make this change but would transfer me to a department that could. The conversation would begin all over again with no change in outcome and an absolute waste of time. I have made several attempts with the same result. My credit score has dropped almost XXXX points in the meantime.I have tried since the card was prematurely cancel as a result of XXXX automatic renewal malfunctioning to work with CITI to re-activate the card or address items initially mentioned with no success. I am being brutally abused and taken advantage of by a credit card company abusing the system.
Product: Credit card or prepaid card

I came back from XXXX XXXX XXXX  to credit cards opened in my name. I contacted the company and was told that it was nothing that the company can do about it. basically blaming me for the card being opened. no resolution just oh well charge it off and put it on my credit pretty much. i been dealing with this since XXXX  and nothing have been done about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  account number XXXX In litigation for vehicle illegally repossessed constant harassment from collectors XXXX XXXX account XXXX Account isnt mine never authorized the account XXXX XXXX  account XXXX Never had account and it says account is XXXX XXXX XXXX but keeps getting sold to new collector All 9 inquiries are potentially fraudulent as I havent tried to use my credit in three years
Product: Checking or savings account

My checking account was charged twice by a merchant I didnt do business with
Product: Credit reporting, credit repair services, or other personal consumer reports

Some accounts on my credit report are not mine.
Product: Vehicle loan or lease

Toyota Financial Services reported my account as closed when the loan was paid in full. This has caused a decrease in my credit score rather than an increase. I attempted to resolve this matter with TFS but they insist on reporting the account as closed.
Product: Debt collection

I am disputing this claim due to : My sister and I have moved into XXXX XXXX  XX/XX/XXXX and we have moved out of XXXX XXXX XXXXXX/XX/XXXX at XXXX and the office closes at XXXX. We waited until the XXXX, XXXX XXXX, to check the XXXX # XXXX where we lived and she came and did a walk through with us and said she would give us a rating based on our damages, the unfinished work while we lived there, and prior damages. We have waited to hear back from XXXX XXXX for three months for our deposit back and sent emails to see if everything was okay. Our deposit in total was {$850.00}. We heard back from her and we have recieved our deposit for {$320.00}. We asked her why she gave us the {$320.00} back instead of {$850.00} and she said that the damages made was worth {$520.00} and so we said okay. We have paid in full everything that we owe and I would like this collection to be deleted from my credit. We have paid everything off the {$2200.00} on XX/XX/XXXX and recieved our deposit back for {$320.00} on XX/XX/XXXX. I also have not recieved a written notice from a debt collector that says how much I owe. 
This is my official request to have the amount before mentioned to be deleted off my credit report.
Product: Prepaid card

The card was purchased in XXXX for {$500.00}. The card has been impossible to use with new rules every time we try. Most recently I tried to use the {$500.00} card for a {$500.00} purchase. My available balance says {$500.00}. The card was declined. They said to purchase something they hold 20 % of the card balance so you buy a {$500.00} card and it shows availability but in reality you may only spend {$400.00} because of the hold. Then you can use 80 % of that 20 % until its depleted except there are also minimum purchases. These holds are really fees. 

I try to make my {$500.00} purchase since my balance is {$500.00} it is declined. When I called they explained for no reason they hold the fund for 7 calendar days and you may try again in 8 calendar days. In what world is this ok? 

This complaint is Vanilla Gift Card .com
Product: Debt collection

I am requesting validation of the debt from this company. I mailed letters last XX/XX/XXXX and XXXX XXXX XXXX  via USPS. However, I received no proper response or validation and I already need all the help to resolve this.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company never contacted me about Debt Collection and reported to the credit bureau that it was in collections. The original creditor is XXXX XXXX informed me and my fiance that there was no debt when we cancelled the contract, a contract that we entered into because we were promised things by the manager at the time which was rescinded a week later by the new manager. The original company that was hired to collect the debt said they closed their files on the case as there was no debt. See attached file. 

Never once did XXXX reach out to me to discuss this, which is why I am filing this complaint.
Product: Mortgage

I am having an issue with my Mortgage Servicer, CrossCountry Mortgage We received a notice of nonpayment for our property taxes dated on XX/XX/2020 from the XXXX XXXX Treasury department. 

Logging in to my servicer 's website and viewing the transaction information for my escrow account, it is apparent that CrossCountry Mortgage had taken money from my escrow account and paid the property taxes for the wrong account number associated with a similar, but different address ( they missed the " S '' at the end of my address ). I can clearly see on the XXXX XXXX tax servicer 's website that my payment was applied to their property, and mine has not been paid. 

I called in and was told a " ticket had been placed with the tax department '' on XXXX XXXX I followed up on XXXX XXXX and was told to email their support line " XXXX '' with supporting documents - I did so and received a receipt of email confirmation, but have not received any email back. 

I followed up by calling again on XX/XX/XXXX and was told to expect a response from the tax department back the next day ( no such call came ). 

I called again on XX/XX/XXXX and was told that my request was being escalated to a manager, and to expect a call by the end of the day ( no such call came ). 

I have yet ( 9 days after my initial complaint ) to receive any call or communication from anybody at Cross Country mortgage indicating they are working on the problem or have made any progress towards resolution, I have only ever been able to call in and ask about the situation and receive a " we'll contact you later '' response. 

At this point, I am very concerned that my second tax payment for the year will not happen, late-payment interest penalties are increasing, and a tax lien could be placed on my home for non-payment.
Product: Credit reporting or other personal consumer reports

Upon me viewing my credit reports i notice these enclosed accountson my credit reports.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed/updated. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments 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 XXXX  days before the payment due date. 

I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Credit reporting or other personal consumer reports

I have wrote letter on two different occasions, XX/XX/2023 and XX/XX/2023 informing the company that they were reporting incorrect names that were not mine and incorrect address that are not mine on my credit report. As of today XX/XX/2023, I have not received a response acknowledging my request and the incorrect information is still being reported on my credit report. I would like for the incorrect information to be deleted immediately before it causes some hinderance to me.
Product: Mortgage

I am attempting a XXXX XXXX Exempted assumption as part of a divorce settlement. I received the property as part of the divorce settlement. The property was quit claimed to me, was made a defendant in foreclosure, even though he was not on the mortgage note. During the mediation process, the servicer, Seterus had to set up an exempted XXXX XXXX assumption process, since they had none, even though it has been the law since XXXX. Over the many months it took for the servicer to set up a process, I was laid off from my XXXX position. I still want to retain the property, maintaining that the I should have been treated as if I was the original borrower, given an unemployment forbearance, with a modification when/if needed post forbearance, consistent with the law, CFPB-2014-0016 12CFR Part 1026 " Application of Regulation Z Ability to Repay Rules to Certain Situations involving Successors in Interest and XXXX XXXX Guidelines The Servicer maintained that the " Ability to Repay '' precludes me, from the exempt assumption. I attempted to clarify with XXXX XXXX   itself. The person reviewing the case did not return multiple calls and made an incorrect determination based on me not being on the original mortgage note. During a subsequent discussion with a supervisor, on XX/XX/XXXX, still seeking clarification, I explained that the note was sold on XX/XX/XXXX ( I was notified XX/XX/XXXX ) to the XXXX   XXXX  supervisor, who was unaware. She then said, during the ensuing conversation, that she was not able to do anything else, since XXXX XXXX did not own the loan any more. This still leaves the XXXX XXXX and the Serterus believing of relevance of " ability to repay '' as a valid reason or not for not allowing an exempted Garn St Germain assumption. 
I am in the process of fighting this pro se, getting it back into mediation in CT. The mediation result should transfer through to new note owner. XXXX XXXX and Serterus need to know they are not processing these transaction correctly however.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent out letters on XX/XX/2021 in reference to inaccurate reported late payments on my student loans that are showing on my credit report. This information is misleading and false. I always make my payments on time as agreed. It has been approximately 45 days and I still have not received any communication. My information was also compromised and impacted by the XXXX data breach. It has been well over 30 days, and in section 611 ( a ) it states, that a failure to investigate these items within this time frame will result in immediate removal of these items from my credit report. I demand these late payments be immediately removed or I will seek litigation.
Product: Student loan

I received several collection calls from sallie mae regarding the debt owed from the private loans. The time frame was from XXXX. They would call me XXXX times a day asking me to pay back the loan. I would say I did not have the money and they would tell me to ask my parents. I tried to plead hardship because I was dealing with mental health issues and they would just persist even until I cried. I asked them if we could do a payment plan and all they would offer is a forbearance. And the condition was always to pay XXXX or more. They did not explain in detail what it was just that it would hold my position of loan as current. I was not making enough to support myself let alone pay a loan. I had to change my phone number several times. They would call me and every time just make me feel bad for not having it. Then it was sold to navient and from XXXX they attempted to collect by sending several letters and even emailing me in XXXX & XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX Balance : XXXX XXXX XXXX XX/XX/20XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX, I opened both a checking account and a savings account with Berkshire Bank. I deposited {$9900.00} into the checking account and {$5900.00} into the savings account. These accounts were successfully funded, as the original payments were charged to my external bank account at XXXX ( XXXX XXXX ). 

However, when I attempted to initiate an external transfer from my Berkshire checking account to my XXXX checking account, as well as to pay my XXXX credit card, the transfers failed. Berkshire Bank did not notify me that these transfers were intercepted, nor did they inform me that I do not have full access to the funds in my accounts. Instead, I was notified by XXXX that the transfer and credit card payment were returned. 

Additionally, when I contacted Berkshire Bank regarding the issue, I was informed of the following : As the account holder, I currently do not have access to withdraw funds from either of my accounts. 
No timeline has been provided for resolving this issue, and there has been a lack of willingness to collaborate on a solution. 
I have not been given contact information for the department or personnel handling my case. 
Both the customer service representative and the manager I spoke with were unable to provide me with a reference or case number for follow-up, suggesting possible mishandling by Berkshire Bank XXXX 
Given that the total amount involved exceeds {$10000.00} ( {$9900.00} from the checking account and {$5900.00} from the savings account ), I request the immediate release of my funds. Please address this matter promptly, as the current lack of access to my own money is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

6. I have not received any confirmation on how you verified the alleged account attached in Exhibit C and therefore request that you consider this a final notice to your offices. Past this point, the CFPB will authenticated sworn testimony from my end which I would gladly present in court if need be as evidence of my trying to rectify the subterfuge that you are reporting. **** ( copied from the affidavit attached ) ****
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus are reporting my credit score as a XXXX. I have paid all outstanding items on my credit report as of XX/XX/2022. Instead of my score increasing to accurately report the fully paid debts, my score was dropped from around XXXX to a XXXX. Per the credit bureaus, my score can not go below a XXXX. I did not have extensive debt reporting, repossessions, bankruptcies, liens or foreclosures. When I called the agencies requesting immediate remediation, I was advised that there was nothing that could be done, but, a supervisor would return my call and my complaint would be escalated. I have received no response to date. This score is incorrect/inaccurate and has caused personal harm and hardship. The agencys are also reporting this to parties requesting credit worthiness information causing declined credit applications, denied rental applications etc. 
This is illegal and in violation of FCRA.