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

Upon reviewing my credit file, incorrect information were found in my reports. The XXXXExperianXXXX Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : Experian : 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 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 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

The accounts listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the accounts is not mines and is reporting inaccurately : XXXX XXXX XXXX XXXX XXXX -JEFFERSON CAPITAL SYSTEM # XXXX
Product: Mortgage

Dear Consumer Financial Protection Bureau, I am filing this complaint to express my frustration and disappointment with the unprofessional and inconsistent handling of my loan servicing by Freedom Mortgage, specifically regarding my attempt to apply for the VA XXXX XXXX ( XXXX ) program. 

Timeline of Events : XXXX. XX/XX/year> : I called Freedom Mortgage and spoke with an employee named XXXX ( ID XXXX ), who identified himself as a VA loan specialist. He assured me that he would assist in initiating a XXXX review. Following this conversation, I emailed XXXX Mortgages loss mitigation team summarizing the discussion. I received no response to my email. 

XXXX. XX/XX/year> : I received a reply to an inquiry made by a XXXX. Senators office on my behalf. In the response, I was informed that the VA had contacted Freedom Mortgage, and Freedom Mortgage confirmed that my loan qualifies for XXXX. I was further told that Freedom Mortgage initiated a XXXX review as of XX/XX/year>, and that I should allow 30 days for processing. 

XXXX. XX/XX/year> : I called Freedom Mortgage to check on the status of the XXXX review. To my surprise, I was informed by another employee ( ID XXXX ) that no XXXX XXXX had ever been initiated for my account. This employee then offered to start the application process immediately. 

This series of conflicting and misleading information from Freedom Mortgage is deeply troubling. It has caused unnecessary stress and wasted valuable time in addressing a critical matter that could result in the loss of my home. 

I believe this negligence may be a deliberate attempt to delay or obstruct my access to the XXXX program, which could ultimately jeopardize my ability to retain my home. 

For context, I have attached a copy of the response from Senator XXXX XXXX, which highlights the assurances provided by Freedom Mortgage regarding my XXXX review.
Product: Checking or savings account

Today, a friend of mine, XXXX XXXX ( XXXX ( XXXX XXXX XXXX ), contacted me via XXXX, asking for me to send money, via XXXX ( my bank is Chase ), and told me that he would deposit me tomorrow. He asked for {$680.00} USD to be sent to XXXX XXXX, XXXX. 

I did send the money. Then, he asked for more, and that was suspicious, so I contacted XXXX in XXXX 's Messenger to verify it was him and he told me that it wasn't him but an impersonator. 

The conversation on XXXX was held in Spanish XXXX XXXX and I usually communicate that way ). I have proof of the conversation. I'm not sure where in the world the scammer is, but I assumed the U. S. because of the use of XXXX. However, the scammer speaks Spanish. 

I sent a money request via XXXX, to get the money back, telling the scammer I was submitting any complaint possible, but he/she, of course, declined everything. 

I've contacted Chase and XXXX but they have not been able to help me since I was the one who initiated the transaction. This money is really important for me during this pandemic that my husband is jobless and I don't work because of my XXXX process ( everything good but I still have not received the employment authorization ). 

I really hope you guys can help me out. Thank you so much!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. Transunion is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update them immediately in my report : XXXX  XXXX Date XXXX Balance : {$560000.00}
Product: Debt collection

I woke up one morning and XX/XX/XXXX or so and all of my bank accounts were at XXXX even a shared account with someone. Come to find out XXXX XXXX  XXXX XXXX XXXX had a court judgement filled against me to garnish my bank account. I was never served papers. No discussion prior, No percentage taken, everything just wiped to XXXX all 3 accounts ( 2 shared, 1 personal ). I contacted them per XXXX XXXX XXXXXXXX saying I need to contact them first. 

I did such and the process has been a nightmare since then. This is my payroll account which I can no longer access because this law frim has put a hold on the account. Not only that the hold is still on today and it has been over 2 months. I have contacted them repeatedly and said I can not pay my bill due to my account being on hold and they are dragging their feet in the process. They seem to not care and say it takes time. 

This lackluster effort has caused severe financial strain and has impacted my credit report. I have asked for things to be expedited or some clarity on what's going on and I get, " its a process ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I mailed a letter to TransUnion and XXXX  requesting my grand-daughters credit file be frozen due to identity theft My issue however, is with TransUnion. I went to their website to see what documentation needed to be submitted. I provided ALL required highly sensitive information including a copy of mine and my grand-daughters SSN 's and a letter restating everything ( which I copied and pasted from their website ) XX/XX/XXXX. This indicates to me either someone failed to review my highly sensitive documents or didn't understand them and tossed them to the side. Either way presents negligence on their part. I am attaching the letter I sent them, along with TransUnion 's and XXXX  's reply after I sent them both the same identical information.
Product: Debt collection

Ability Recovery had a collection agency on my XXXX credit report NOW they put it on my XXXX   REPORT as of XX/XX/XXXX after they said they would remove from all 3 bureaus, original company XXXX XXXXXXXX XXXX XXXX  owns XXXX XXXX, XXXX XXXX is a closed and paid account on my credit report, I have proof, I was not notified by advanced recovery at all, and statue of limitations have passed for a XXXX account, I WILL BE SEEKING LEGAL ACTION ON THIS COMPANY ASAP they re aged a XXXX account to appear XXXX, this is illegal. I don't know why ability recovery is trying to collect, please have this company delete their collection off my report, it's hurting my process in trying to obtain credit. Thank you
Product: Debt collection

This company is misrepresenting the time this debt first defaulted and become collectable in an effort to continue collection efforts on a debt that is no longer collectable. After months of phones calls and repeated efforts to get any information about this debt, the company finally cooperated on XX/XX/XXXX and revealed a true date of XX/XX/XXXX, but have a different date listed on my credit report. This company is breaking the law by falsifying the debt date on my credit report. This company knew the debt was no longer collectable so they refused to give me any information about the debt. They purchased the debt from another company, but also would not give me the name of the company, making it impossible for me to track the debt 's origin.
Product: Mortgage

My mortgage servicer, Specialized Loan Servicing ( SLS ), approved me for a covid forbearance in XX/XX/XXXX due to loss of income. I received numerous extensions until XX/XX/XXXX when I was told they would not extend it again and I needed to make a lump sum payment to be current on my account. I explained that I did not have enough money to become current but was able to pay enough to be within the terms of their repayment plan. I spoke to a customer service agent named XXXX who processed the payments I made to be within the terms of the repayment plan and set up the repayment plan with me. He said I would need to make my regular mortgage payment amount every month in addition to an extra {$1000.00} from XX/XX/XXXX through XX/XX/XXXX. He assured me that since I had agreed to this workout plan that it would not be reported to the credit bureaus and I would not receive late fees. He set up the first three payments which were automatically deducted from my bank account the exact days we agreed to every month. He called me back at the beginning of XXXX to set up the remaining 3 payments which would be deducted at the end of XXXX, XXXX and XXXX of XXXX. I expressed concern to him over a letter I received from SLS stating my account was delinquent and he said that is automatically triggered but not to worry about it since I had done everything I agreed to and had made all of the workout payments on time. Yesterday I suddenly started receiving alerts from my XXXX account stating I had derogatory marks on my credit and my credit score fell XXXX points. This happened because SLS reported me as being 120 days past due and also is reporting that the full amount of my mortgage is also due. I called SLS first thing this morning and spoke to multiple people. They are refusing to fix this error until I am current on my account, which wont be until the beginning of XXXX when my repayment plan is completed. As I was writing this I received another alert that they reported the full amount of my mortgage as a past-due balance. They are ruining my credit and I have done everything I agreed to.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Bankruptcy Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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 a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

Dear CFPB, A little over one year ago in XX/XX/XXXX, we purchased a home via a mortgage with Wells Fargo. At that time the mortgage payment was set, along with the taxes and homeowners insurance which was to be taken in escrow. Our current monthly payment is {$5000.00} ( {$3300.00} principal/interest, plus {$1700.00} escrow ). This XXXX, we received an Escrow Review Statement indicating that WF was requiring an additional {$3900.00} escrow payment immediately, or they would be automatically increasing our monthly payment by nearly $ 600/mo starting XX/XX/XXXX. The WF analysis projected that inXX/XX/XXXXwe would have an escrow of only {$11.00} and hence why they were demanding an additional {$3900.00} immediately, or a substantial increase in our monthy payment startingXX/XX/XXXX. This does not make sense, as the terms of the mortgage havent changed at all since the initial determination of the payments over one year ago. In fact, the costs have gone down in this period via lower property taxes (! ) and hence our escrow should actually be lower than it is today. When I called Wells Fargo, they stated that escrow buffer is two months of escrow payments, which based on XXXX numbers would be {$3400.00} ( $ XXXX ). After one full year of our regular payments including XXXX homeowners insurance payment, eg the lowest point of the year - per the statement XX/XX/XXXX escrow balance is still {$5300.00} - well in excess of the minimum amount above. In addition to the above, we received notice that our XXXX property taxes were going down, and that our assessed home value dropped {$40000.00}, from {$830000.00} to a lower value of {$790000.00}. So our $ XXXX/mo escrow would seem that it should go down. Lastly, if you view the attached Wells Fargo Escrow Analysis, they are saying if we pay the shortage in full of {$3900.00}, the payment will still increase to $ XXXX/mo. Again this doesnt make sense, on what basis is WF increasing the escrow amounts in both scenarios, even where we pay the supposed shortage upfront? In sum, given that the monthly escrow amount was calculated by Wells Fargo in XX/XX/XXXX with full knowledge of the property taxes and homeowners insurance at the time of origination, there should be no justification for increasing our escrow requirement one year later. Homeowner insurance cost has not changed since this time, and property taxes have gone down vis-a vis-XXXX. Any assistance you could provide in resolving this matter would be greatly appreciated! Many thanks, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello! My name is XXXX XXXX. 
I have sent out numerous disputes trying to remove inaccurate names, addresses, and accounts from my credit profile. 
Below are dates, account ( s ) and account numbers ( s ), this request has been denied and I would like this inaccurate information to be removed. 

XXXX XXXX XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX DP OF EDUC Account Number : XXXX DP OF EDUC Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX   Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below was the account that is reporting on my Credit Reports : XXXX XXXX Balance : {$45.00}
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or a immediate update of the following XXXX information on my credit report : XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally to express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was just looking over my credit report and found some addresses that appear to be incorrect. I've enclosed documentation, providing proof of my current address, as instructed to do on your website. To make your process of deletion easier, here is a list of the incorrect addresses that I am currently seeing listed : Previous / Incorrect Addresses XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 There should only be XXXX address listed on my report, which is XXXX XXXX XXXX # XXXX XXXX XXXX, IN XXXX I also noticed that my name appears to be misspelled on my credit report. My name only has one correct spelling, and there should be no variations listed because my name has no variations. My photo ID is enclosed to show the correct spelling and current address. Once again, in order to make the process of deletion easier, here are the incorrect names : Incorrect Names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There should only be one name on my credit report, which is XXXX, XXXX XXXX ( not in all capital letters, I am not a corporation, I'm a living human ). 

Please remove inaccurate employers as well as listed below : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquires on my credit that was due to fraudulent information and have sent if over 30 letters to XXXX  and have not gotten any response.
Product: Credit card

I filed a complaint on XXXX number XXXX I since received the following letter from BOA I want to know how I " benefited '' from someone stealing my identity and making unauthorized charges to my account? How can the CFPB help me? BOA rep 's have been the rudest, most uncooperative people I have ever dealt with. Now this letter is just a continuation of their mishandling of this entire matter.
Product: Debt collection

I have never done buisness with this company and have no knowledge of the debt they are harrassing me for.
Product: Mortgage

Ongoing issue with Ocwen Loan Servicing.No mentioning now of any loan modifications in incomplete mortgage file or in response to Florida Attorney General 's office.Both loan modifications omitted from file.Latest was approved in XX/XX/XXXX.Revoked by Ocwen without providing adequate legal basis.Trial payments were made.Payment under new agreement was made and applied.Consequent payments returned.Requesting AGAIN to get complete copies including cover letter of both loan modifications.Questionable misconduct by XXXX XXXX assigned Florida attorney representing Ocwen in Court.Failure to disclose Loan Modifications in initial complaint to courts.XX/XX/XXXX GMAC Mortgage had a four per cent fixed rate.XX/XX/XXXX XXXX XXXX Ocwen Loan Servicing Relationship Manager called me and conformed Hamp Modification was approved with payment of XXXX Dollars monthly escrowed.Fixed rate.Questionable dual tracking based on timeline events.Served via Publication when available and charging XXXX XXXX County unnecessary fees for such publication.Questionable vendetta because prior verdict not in favor of plantiff.
Product: Payday loan, title loan, or personal loan

After moving states I started having issues with them losing my current information and when I want to make a payment early or the due date it will only give me error codes, I have been having these issues for 2 years and I have to wait till its late and receive a call from them. Then I have late fees and it hits my credit it for being late, even tho I try to make it on time. I spoke to a supervisor months ago and was laughed at and told that their side has different information and have to pay with card with additional fees or they will take the car. They never help and have complain multiple times to them and its the exact same every month. I finally called around for help and found you guys. I really need help because the moment I got the car I been pushed back into a corner with the dealer ship and west lake. I am unable to refinance it due to the late payments.
Product: Checking or savings account

I am filing this complaint against CHASE bank. Upon my return from a vacation I received a text that my account was overdrawn. This seemed odd as I only made a small purchase at the airport and I had more than adequate funds in my account. Upon reaching state side I called chase and was told by a rep that told someone to deposit {$7000.00} in my account. I tried to enquire where and when this took place because for XXXX I know another person can not deposit cash into a chase account. I was told there was an investigator and I would need to speak with them. I was not given a name or any contact information. I waited a day but no call back so I called them again I was given a name and email and a phone contact. I called and spoke with the investigator and was told that there was a scam and the funds were being channeled through my account. I was advised there was a court order to freeze both my accounts. CHASE has never sent me a copy of this court order I went to the branch and requested same and was told by the account manager or manager there that they were closing soon. I also tried to get it from the investigator all this has since been in XXXX of XXXX. 
I was not involved in any fraud, though I sent a recording of all the email correspondence indicating I was not involved and had no knowledge of any such transgressions. At the same time they have not proven anything to me or provided me with any proofs of what they are accusing me of and I was advised my money is being seized because I transferred money from XXXX account to another. I explained the person in question asked me on several occasions to purchase stuff for her which I did from my other account there and simply transferred the money back because I did not have the card I had given the card to my then XXXX. I dont care if they close the account or seize the money in the account that the deposits took place I just want my money that I worked for and my account shows my paychecks are the only monies