23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

XX/XX/22 : Was alerted by a bank that someone had made an inquiry into my credit. I checked the bank website and learned that the inquiry was from Comenity Bank/Victoria 's Secret. I had not applied for credit with that entity. I placed a one-year fraud alert on my credit report via XXXX, triggering fraud alerts on XXXX and XXXX. 

XX/XX/22 : Received a Victoria 's Secret credit card in the mail. I wondered whether it was just an unsolicited card and pondered how to dispose of it. 

XX/XX/22 : Received a bill from Comenity-Victoria 's Secret for {$800.00} in Victoria 's Secret purchases. Transactions were as follows : XX/XX/22 : XXXXXXXX XXXX, # XXXX ( store number, I gather ), {$5.00} XX/XX/22 : Same location, {$550.00} XX/XX/22 : XXXX XXXXXXXX XXXX  # XXXX, {$240.00} Note that I live far from either of those states and was in neither of them at those times. 

XX/XX/22 : Phoned Comenity/Victoria 's Secret at ( XXXX ) XXXX to report the fraudulent opening and fraudulent use of a credit card in my name. The representative asked whether I had my driver 's license with me ( which I did ), because in all three instances it was noted that the user of the fraudulently opened account had shown a driver 's license to verify identity. The representative said the credit card would be disabled and an investigation would ensue, which could take up to 90 days. He also said that in a couple of weeks I could call the fraud line at ( XXXX ) XXXX and obtain a case number. 

XX/XX/22 : Went into XXXXXXXX XXXX website and saw that my credit score had declined, apparently as a result of the opening of the Victoria 's Secret card account and the {$800.00} purchase. Contacted XXXX XXXX  ID theft line at ( XXXX ) XXXX and communicated with an automated system. It said it would add a one-year fraud alert to my credit report that would apply to all three credit bureaus. ( Not sure what that means given that I already had set up a one-year fraud alert. )
Product: Student loan

On XX/XX/year> I called and requested payment records for my loans. After their transition all payment history is now unavailable. I never received the information requested. I called again on XX/XX/year> and they escalated the request and sent me XXXX emails which stated I could access the payment history via the online portal which you can no longer access. I called again on XX/XX/year> to Inform them. 
It is an abuse to consumers that we have no access to our payment history and have to jump through obscene hoops to obtaining this information.
Product: Mortgage

I dont know what this company response to previous complaint please investigate with explanation to me also. Ive written mail complaint to XXXX of HUD and President Biden along with this agency! 


Account Details This account was closed on XXXX XXXX, XXXX SELECT PORTFOLIO SERVICI Last reported XXXX XXXX, XXXX {$0.00} Reported balance Highest balance XXXX You've paid off 100 % of this loan {$110000.00} The matter of Select Portfolio Servicing Ins, account number XXXX reported close on XX/XX/XXXX with XXXX with " Nice! You've paid off 100 % of this loan. 
I learn this through a credit reporting agency on XX/XX/XXXX not once has this agency written me about this report continue to collect the amount when paid it! 

SPS still was sending statements of payments probably misapplied payments also. 
This seems like fraud or intent to defraud without transparency of this account status. Since this account is reported paid in Full XXXX balance. I XXXX XXXX XXXX as mortgagee should receive the Deeds and Title to the Property located at XXXX XXXX XXXX XXXX XXXX, LA XXXX This is what SPS reported to credit reporting agency. 


Sincerely XXXX XXXX XXXX
Product: Mortgage

We went to the TCF branch in XXXX MN. XX/XX/XXXX 2015. We wanted a fixed rate mortgage, so TCF set us up. We went through all of paper work and the time..and at the very last minute they told us we did n't qualify for the fixed rate but they could set us up with a variable rate mortgage. So because TCF 's appraisers lack of timeliness and TCF 's lack of follow through with the appraiser had already posponed our closing date from XXXX XXXX, 2015 to XXXX XXXX, 2015. We took the variable rate so we could close on the property. We handed off the variable rate mortgage to XXXX. XXXX and with the same information that TCF had, and was able to secure the fixed rate mortgage that we wanted. With XXXX institutions using XXXX XXXX. We submitted XXXX letters of complaint to TCF and as of this date there has been no response to either. We did request that because of the sub standard customer service we received from TCF we did n't expect to pay any costs to them including appraisal fees. They acknowledged the request but when we requested an transfer of appraisal to XXXX. XXXX the cost to us was {$250.00}. It was the worst customer service the we have ever experienced anywhere. We really felt like TCF did a bait and switch with us.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed two accounts that are not reporting accurately. I have two late payments on accounts that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy, this account has not been late on payments. Ive attached a copy of my credit report to this complaint for the below dates. Im now requesting you investigate this account and update these payments to be paid on time immediately. Thank you for your understanding and prompt action. 

XXXX XXXX Account Number : XXXX ( XX/XX/XXXX ) XXXX Account Number : XXXX ( XX/XX/XXXX ).
Product: Checking or savings account

Marcus by Goldman Sachs has effectively prevented me from accessing my approximately XXXX They do not deserve FDIC approval!! On a Monday i tried in vain for hours to transfer money to my brokerage account at XXXX XXXX to pay for treasuries i was buying. I received error messages online repeatedly trying to link account thru XXXX, their software. Nothing but we cant cOnnect to your bankso I called them, rep took all info and also failed repeatedly to complete transfer or linking either. I then tried initiating the linking at XXXX  end. Days passed, nothing. I have never had such problems getting my money from one institution to another like this with NO ACCOUNTABILITY WHATSOEVER!!! I called Marcus, again went thru almost hour of useless attempts, finally rep said after i was on hold for 25 min that i can t link to a brokerage account!! Then why did previous phone rep Waste my time trying!!! 
Next I tried to link to my only bank, XXXX ( XXXX ) - again both online and phone rep failed after countless attempts!!!! I said how the hell do i get my money out???? She suggested mailing me a check for the XXXX!!!! Mail??? I said are u kidding???? I am going into the hospital on tuesday and ill be damned if I have to worry about you XXXX  mailing me a check for XXXX. I called XXXX  for help -they said they should have offered to wire it. I called Marcus back, ordered wire, four days later and umpteem phone calls, no wire transfer, no communication about it, no in formation when i call repeatedly to inquire whatthe XXXX is going on. NOTHING!!! I am XXXX yrs old and i have nearly had a XXXX XXXX from these XXXX  criminals witholding my needed funds most especially when they advertise no such things as refusing to let customers have their money!!!! I will get justice if it is the last thing i do on this earth. FDIC???? How on earth????
Product: Credit reporting or other personal consumer reports

I recently viewed a copy of a credit report, and I noticed there are unauthorized credit inquiries made by the companies listed below. To my knowledge, I have not signed any documents authorizing the companies in question to view my credit report. The listed Inquiries were without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Report Act 604 as well as a violation of my rights to privacy. 

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 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

ALLY FINANCIAL are suppose to update and report my credit report monthly. The last time my credit report was updated was XX/XX/XXXX. XXXX until - XX/XX/XXXX, has no payment history " data unavailable ''. I initially reached out to Ally on XX/XX/XXXX online email case # XXXX, on XX/XX/XXXX case # XXXX and spoke to a live rep that day and assigned me case # XXXX. Emails are suppose to be answered within the next 2 business days. I understand that due to COVID-19 my email wouldn't be answered right away, buts it been over a month ..UNACCEPTABLE! 

I contacted all three credit bureaus : XXXX, XXXX, XXXX  and XXXX. 
XXXX  and XXXX  has been updated correctly. XXXX  has NOT!! the disputes results remain the same. I now waiting for XXXX results. Attached I have proof.
Product: Mortgage

My tax returns have been audited by the IRS four times in the past seven years due to Ocwen Loan Servicing 's ineptitude in reporting my mortgage interest paid. Ocwen simply does not report my share of the property taxes and/or mortgage interest paid annually ; however, they do report my husband 's share, which is half. In every case, I submit a copy of our XXXX which clearly states my name as the payer/borrower and the amount of mortgage interest paid. Ocwen Loan Servicing consistently fails to report my share of the mortgage interest, and in XXXX cases, real estate taxes paid, to the IRS. This is not my first complaint to the CFPB regarding Ocwen ( CFPB File No. XXXX : treatment of Escrow payments ), but is the first of this nature. I left a voice mail message for XXXX XXXX, CEO of Ocwen, at XXXX due to my utter frustration with this entirely inept company. I can not understand how XXXX XXXX can continue to operate this company with such blatant disregard for simple math. My prior complaint with CFPB regarding the same company is still outstanding, as Ocwen does not seem to know how to apply an escrow payment to offset an increase in monthly mortgage payments. My frustrations are many ; my immediate frustration is my fourth IRS audit in XXXX years simply due to Ocwen 's blatant discrimination toward female co-mortgagees. It is disgusting. I anticipate subsequent IRS audit notifications and requisite responses due to the trigger that Ocwen is causing. This is unacceptable. The most recent IRS notification is for the year XX/XX/XXXX. That means I should expect another notice for XX/XX/XXXX, and again for XX/XX/XXXX once I file my returns. I am frustrated to the point of wanting to pay off my mortgage just to be rid of Ocwen, or force a transfer of servicing to another, competent servicer. The time spent in resolving so many issues over so many years is time I will never get back, nor will be compensated for. The escrow issue is still outstanding, and Ocwen is unable to explain how an overpayment to escrow does n't affect an increase to our monthly payment. Again, Ocwen, WHERE IS THE MONEY GOING??? Why are n't you reporting me as a co-borrower, co-payor to the IRS?
Product: Debt collection

I Sent a police report to experian XXXX and XXXX XXXX to delete this collection from my credit report I live in XXXX not the XXXX!!!
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX Date of Inquiry XX/XX/2022, XXXX Date of IXXXX 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: Debt collection

Hello, I have been attempting to work with Cavalry SPV LLC to resolve a collection issue I unfortunately have encountered. In attempting to resolve this after understanding the where the dept fell, I contacted Cavalry to  resolve the dept since in have not received any information via mail or phone. Cavalry informed me that even though they still own the dept and they are showing up on my credit report that they have turned the dept over to a law firm. The law firm that it has been turned over to is XXXX XXXX XXXX  in XXXX AZ. I was able to attain the phone number of the law firm after Cavalry told me they would not be able handle taking care of the dept even though it still under their name on the credit report. 

I have attempted to call XXXX over the past 3 weeks to see about resolving this issue and have received a voice mail in which I have left a messages with my number to call me back. I have never received a call back from this firm nor have received any correspondence via mail, email, or any contact. That said, I called Cavalry back and spoke to their legal department on XX/XX/19 explaining the difficulty in working with the agent they have designated to help resolve credit issues. They were responsive mentioning that they would contact a manager or attorney at XXXX to contact me so we can attempt resolution. No response from XXXX on XX/XX/XXXX so I called Cavalry back at XXXX on XX/XX/XXXX to speak to the legal department again to get a name of a the manager at XXXX and I would be happy to contact them directly. I was directed to a XXXX who is supposedly a Sr. Manager there and I called direct to him where I received his voicmail at XXXX XXXX to tell me his voice mail was full so I was not able to leave a message to get a call back. 

My compliant is this ... .I have demanded to get validation of this dept and come up with a solution to resolve this dept. I have NEVER had any validation nor ANY possibilities presented to me to resolve this until I found this on my credit report when looking into something needed in my life ... ..How is this possible? I have not received a phone call nor any correspondence. This is seemingly is a pattern that there is a extreme lack of communication by both of these companies that would allow for a consumer to resolve their issue as unfortunate at is may be. I ask for action to resolve this. 

Thank you for your consideration as a consumer to get through this! 

XXXX XXXX
Product: Credit card or prepaid card

The current issue is causing me significant distress  and is having a negative impact on my sleep.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am making a final goodwill attempt to have you clear up this matter. 

The accounts you sent back verified are entirely inaccurate, incomplete and represents a very serious error in your reporting. Also, be advised that this is my second time contacting you company about this matter in writing. Your company is in violation of 15 U.S.C. 1681. No need for me to go into detail and tell you the law. Your company KNOWS for a fact that you are required under the FCRA to have properly verified the accuracy of an account listed on my credit report with physical documents. 

As I am sure that you are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. That basically means that you cant just verify my account by telling me it is verified. Nor can you verify my account by telling me you contacted the creditor and the account I disputed is Verified. This means that IF you cant send me proof of these accounts from YOUR COMPANY, it must come off. 

All in all, you have ignored my request to provided me with the documents that you have in your files that you used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly delete all information which can not be verified.

This law is as clear as daylight as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately : Account Name : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, GA XXXX Reason : You failed to verify and validate all data for this account, every notation, dates and balances. This account needs to be removed IMMEDIATELY via FCRA section 609 Account Name XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, GA XXXX Reason : You failed to verify and validate all data for this account, every notation, dates and balances. This account needs to be removed IMMEDIATELY via FCRA section 609 Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX Reason : You failed to verify and validate all data for this account, every notation, dates and balances. This account needs to be removed IMMEDIATELY via FCRA section 609 Also, I would like an updated copy of my credit report once this investigation is complete. 
Thank you
Product: Checking or savings account

Optum Bank has reassigned mutual funds from an open XXXX account to a closed XXXX account where it can not be accessed. This is the second occurrence of this issue. It is happening without my knowledge or consent. 

I opened a new XXXX account with Optum Bank in XX/XX/XXXX due to a change in employment and a new health insurance plan. I had another XXXX account with Optum Bank through a previous employer, so I consolidated the accounts in XX/XX/XXXX. The assets in the investment account were transferred without liquidation and the old account was closed ( account closure confirmation email attached ). Between XXXX and XX/XX/XXXX, the investment assets were reassigned back to the closed account ( account statements attached showing a discrepancy between ending XXXX and beginning XXXX balance with no explanation ). I discovered the issue in XX/XX/XXXX and had the funds moved back to the open account after several calls to customer service ( XX/XX/XXXX account statement showing proper balances attached ). 

Between XXXX and XX/XX/XXXX the same issue reoccurred ( account statements attached showing a discrepancy between ending XXXX and beginning XXXX balance with no explanation ). I discovered the issue in XX/XX/XXXX and called customer service on XX/XX/XXXX to resolve it. I was promised the issue would be fixed within XXXX business days. XXXX weeks later the issue is not resolved. I called customer service again on XX/XX/XXXX and was unable to make any progress. 

Screenshot from online portal showing current balances attached. The first account with an investment balance is the account that has been closed since XX/XX/XXXX. The second account is open and should contain all funds.
Product: Debt collection

Please help CFPB and take this seriously, there is derogatory information that is being reported on my personal credit file that is wrong and is making it difficult to find traditional work and secure credit. I have an unverified account from LENDINGCLUB showing a charge off of {$0.00} from 2011 with $ XXXX monthly payments. I have brought to the consumer credit bureau 's multiple times. They are also reporting that any potential employer is responsible to place a payroll deduction to collect this debt. I had previously disputed this account. I have never done business with LENDINGCLUB. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that LENDINGCLUB provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that LENDINGCLUB   Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

One main is reporting a in accurate inquiry on my credit report and i have no idea of this inquiry
Product: Checking or savings account

I XXXX XXXX have been been unemployed for the past few months. On the date of XX/XX/XXXX I started my first job in XXXX Ohio which starts at XXXX. I have video proof of me being at work also my card was in my possession .at approximately XXXX were 4 transactions that occurred .... there was XXXX for {$60.00} at XXXX ATM in XXXX Ohio . The second was for {$300.00} which at this point my account is official over drafted and my balance is below {$0.00} considering my initial balance was {$360.00} to now {$0.00}. Then there was {$600.00} debited from my account. The problem is I have video proof and witnesses that will confirm I was at work not even in the same zip code.the next problem is that Citibank allowed someone to take money out of my account even when my balance was negative. Something else thats quite interesting is that non bank atms only allow you to pull {$200.00} at a single time max. I then reached out to Citibank and explained my problem and I was told that a new card will be issued and that they would restore my account I was also given the claim number XXXX, and told all would be taken care of in 10 business days ... ... After waiting more then 10 days I called Citibank on XX/XX/2020 at XXXX eastern time ... where not only was I treated with the most disrespect but I also asked to speak to a supervisor thinking it would resolve my issues ... ... when I followed up with her she told me my claim had been declined and that a letter was sent to my home address. This was never received. I proceeded to ask her how is it that the letter states that it was in fact me and my card used at the debit machine .... I asked her how can that be if I personally have evidence showing Im at work over 22 miles away in a warehouse where I was on film loading trucks. I also stated that I know every ATM has a camera on it for security and I know that will also confirm my truth, I was then swiftly told that she was at the point where she can not answer questions or remain on the phone any longer ... .... the representative then proceeded to act like the were no longer on the phone, but then I realized she was just trying to continue to listen to me vent to my girlfriend for an additional 15 minutes but would ignore as I tried to acknowledge her .... so now Im here writing for help because Im now gon na be forced to pay money that was mysteriously taken from just to try to keep my credit in tact. Ironically this was just done during the covid pandemic..so basically help is either minimal or not their at all.. I also Researched that they did this to millions years prior which ended in a multimillion dollar suit