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

Dear Consumer Financial Protection Bureau, I am submitting this complaint to address ongoing issues with the credit bureaus ( XXXX, Experian, and XXXX ) regarding fraudulent accounts that remain on my credit report despite multiple disputes and communications. I have repeatedly informed the credit bureaus that these accounts were opened without my knowledge or consent as part of identity theft, which began in XX/XX/XXXX. The accounts in question include : XXXX. XXXX XXXX - {$16000.00} ( Reported XX/XX/XXXX, XXXX : Closed ) XXXX. XXXX XXXX - {$31000.00} ( Reported XX/XX/XXXX, XXXX : Closed ) XXXX XXXX XXXX - {$430.00} ( Reported XX/XX/XXXX, Status : Closed ) To support my disputes, I have attached my FTC Identity Theft Report, which documents the fraudulent nature of these accounts. Under the Fair Credit Reporting Act ( FCRA ), credit bureaus are obligated to investigate disputes, remove fraudulent accounts, and ensure my credit report reflects accurate information. Despite providing the FTC report and other supporting documents, the credit bureaus have failed to take appropriate action to remove these accounts. 

The presence of these fraudulent accounts is severely impacting my financial stability, creditworthiness, and ability to secure financial resources. I am bearing the burden of unjustly damaged credit due to these inaccuracies, and the inaction of the credit bureaus exacerbates the harm caused by the identity theft.
Product: Student loan

I have my student loans currently with FedLoans. I am trying to qualify for Public Student Loan Forgiveness.

I initially had my loans with XXXX ( XX/XX/XXXX - XX/XX/XXXX ) which all have counted towards forgiveness except for my payment on XX/XX/XXXX. 

I then transferred them to FEDLOAD in XX/XX/XXXX. 

I made my payment on XX/XX/XXXX as shown in my bank records I uploaded ( see page 2 on both documents, payment to XXXX  ). 

I looks like when these were transferred, my credit for the month it happened was not given credit but I clearly made my payment. 

I tried to have FedLoan fix this but they have never done this. Please help!
Product: Mortgage

Made XX/XX/XXXX mortgage payment to Ditech mortgage but was {$72.00} short due to escrow changes. Mortgage company is charging {$51.00} late fee ( which is 71.15 % of amount of shortage ) and threatening to report a late payment to the credit bureaus if {$120.00} is not paid by the end of XX/XX/XXXX. Other mortgage companies ( XXXX XXXX XXXX and XXXX XXXX XXXX ) have allowed me to make up the escrow shortages in the next month 's payment without a late fee or late payment reported to the credit bureaus. I called Ditech mortgage customer service on XX/XX/18 and spoke to representative ( XXXX ) after receiving mortgage statement in the mail. The statement shows the {$1100.00} payment that I made was " suspended ''. The representative confirmed that the principal and interest payment was made and received on time but was short on the escrow amount. My complaint is a 71.15 % late payment fee is excessive and not consistent with other mortgage companies and my payment is " suspended '' but yet they have my money.
Product: Credit card

XXXX to XXXX XXXX XXXX of {$1100.00} XX/XX/2024 wad declined. Three times same day. Within minutes received email from Marcus to verify my charge and my response was sent back to the question button they directly emailed to me and I selected " yes ''. I also called shortly after that email and was disconnected multiple times after my voice was heard. 
I then began a chat with a Marcus.com representative. I was told to change my " password '' on my account and that would clear up issue. I proceeded to do that and changed it. And, I heard nothing back from them. The following day I tried to use my card at a XXXX gas station in my area and was " restricted '' before even pumping my gas. I found this odd as I just slipped card into pump credit card slot. ( I then used my other XXXX  credit card to pay for my gas of {$28.00} no problem paid ) A few hours later I went on my personal computer and went to Marcus.com. I saw a " declined -Account Status '' XXXX XXXX Auto/Commuting {$170.00}. Interesting. My gas was paid from XXXX card and was {$28.00}. 
I chatted again that following evening and was told excuse after excuse. Was also told I need to use their Mobile app. I have proof of chats that if I change password on Marcus it would clear issue. Now, I am told I am restricted. I have payed my bills on time for entirety on this account and never incur any late fees & I believe there's more going on here. Discrimination maybe? I have a credit line up to {$19000.00}. I can not use this card as they have me locked on specific purchases. Can not depend on Marcus. Customer service is horrible. As they know I've used card less since last year they put me through same scenario. My XXXX is dependable and customer service is fantastic.
Product: Money transfer, virtual currency, or money service

I am writing to express my concern regarding Zelles handling disputes, particularly in the light of the recent CFPD lawsuit highlighting significant issues with the platform. Despite using Zelle numerous of times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that covering lost fund was impossible and that tracking these transactions was unfeasible. The CFPDs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This 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

My name is XXXX XXXX this complaint is not made in error neither is it being made by a XXXX  party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Product: Mortgage

On XX/XX/XXXX, my husband and I applied to refinance our home with cash out to complete an addition we started on our home XXXX XXXX weekend. From the very beginning of the application, I explained to XXXX our loan officer exactly where we were on the addition. I told him what had been completed, including purchasing a larger XXXX system because of the SIZE of the addition, and what was left to be done on the project. He told me that would be no problem. I told him that when I originally took out the loan, I was supposed to be able to take out more money if I needed it. He informed me that our loan was NOT set up that way at all and that we would have to refinance to get the money we needed. I was not very happy about this at all since the first loan took us over 4 months to get completed. I was assured by XXXX that this would be a quick process since we just completed a loan with them. The first 4 weeks seemed to be fine, and then I started to get the run around. No calls back. No emails back. Then I was told that we were waiting on the appraisal to come in. The appraisal was done 5 weeks ago. Then he said the XXXX said he needed to talk to the builder. That was a lie because he never did call or speak to the builder. I spoke with the processor XXXX and she had me talk with her manager because I was upset on how long this was taking, no call backs, and he was not being truthful on things. The manager was not helpful either. In fact, he said, well, so you even want to do this loan? Really! I told him how important this loan was and how we really needed this money so we can finish the addition. It is winter. It is cold. So of course I said yes, I really don't have a choice at this point. Finally the appraisal came in. It came in just fine, but then XXXX said that the underwriter said the addition is too big and they won't fund us until we complete the build. Are you kidding me? Everything was told to him up front! He said that they don't have any products they can give us to complete the build. He said he thought we were remodeling. That is NOT true. I was VERY upfront in everything that was said. I paid {$690.00} for the appraisal. I was robbed of my money. XXXX should not have a job if he doesn't know what products he can give to his customers. He should learn how to ask the right questions. Especially when I stated we built an ADDITION not remodel. those are two completely different words. I feel like this company has taken advantage of my husband and I. We are elderly people that do our best to understand everything. I know what I heard. I know what I was told. I don't appreciate being taken advantage of. I know my rights. At the very least, we should get the fee for the appraisal back. Shame on them for what they have put us through and the position they have left us in. I don't know how we are going to pay to complete it now. So many lies. I hope you can help us at least get this back. They have already made it so I can't see my documents so I can't see my loan number.
Product: Checking or savings account

XX/XX/XXXX I DID AN ONLINE TRANSFER FROM MY SAVING ACCOUNT TO MY CHECKING ACCOUNT IN THE AMOUNT OF {$300.00}.

XX/XX/XXXX I SPENT THE {$300.00} ON A CAR REPAIR. i CHECKED MY ACCOUNT AFTER THE REPAIRS AND FOUND THAT MY {$300.00} TRANSFER HAD NOT OCCURRED. I CHECKED THE ONLINE BANKING PAGE AND FOUND THAT THE TRANSACTION HAD OCCURRED BUT HAD NOT BEEN CREDITED TO MY CHECKING ACCOUNT. I SPOKE TO SOMEONE AT ARVEST ABOUT IT AND WAS TOLD THAT THEY WOULD EMAIL THE SERVICE DESK. IN THE PROCESS OF THIS I HAD TO MAKE A SECOND {$300.00} TRANSFER TO COVER THE {$300.00} DEBIT CARD I HAD USED EARLIER. I WANT TO KNOW WHERE MY TRANSFER OF {$300.00} WAS CREDITED.
Product: Checking or savings account

On XX/XX/2018, XXXX XXXX XXXX  charged {$1400.00} as down payment to move. Contract stipulated if they were unable to complete move by specified date, I would be refunded the deposit. XXXX XXXX XXXX was unable to meet contract requirements but refused to refund money. They claim to be direct movers and do not broker their moves. When I investigated them on DOT, they do not even have any vehicles to do moves. I have disputed transaction 4 times with PNC. PNC denied all 4 disputes, never allowing me to provide documents ( including the contract ) to support my claim. Their explanation for denial stated I did not try to work with XXXX to have reversed by them. I have that email support showing where I contacted them to have them refund the money and they rejected my request. Documents to support this were not on this device, but I can provide.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. My request for the correction of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them the last letter, dated XXXX  XXXX, XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Below are the accounts that are still reporting on my account : DEPTEDXXXX-XXXX-Balance XXXX XXXX-Date Opened : XX/XX/XXXX DEPTEDXXXX-Balance XXXX XXXX-Date Opened : XX/XX/XXXX DEPTEDXXXXXXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX DEPTEDXXXXXXXX-XXXX-Balance XXXX XXXX-Date Opened : XX/XX/XXXX DEPTEDXXXXXXXX-Balance XXXX XXXX-Date Opened : XX/XX/XXXX DEPTEDXXXX-XXXX-Balance XXXX XXXX Opened : XX/XX/XXXX DEPTEDXXXX-XXXX-Balance XXXX XXXX Opened : XX/XX/XXXX DEPTEDXXXXXXXXBalance XXXX XXXX-Date Opened : XX/XX/XXXX
Product: Credit card or prepaid card

I went into a Chase branch and applied for the Freedom Credit Card at a Chase Bank on XX/XX/2022. The office closed before I could get a determination on my approval. I was given a number to call the following day, XX/XX/2022. I called the number on XX/XX/2022 to find out that I was approved for the card in the amount of {$6200.00}. I immediately asked for an increase of the the line of credit. I was told in order to increase the amount my credit would have to be ran and I would need to give permission to run my credit. I did give permission and was denied the increase. On XX/XX/2022 I went back into the Chase Branch to inquire as to why I was denied the increase. The staff put me back on the phone with someone from Chase that explained that I was denied based on the amount of time that I had the Chase Freedom Credit Card. I explained I only applied for the card on XX/XX/2022. I still didn't/do n't physically have the card. I then explained I would have never given permission to pull my credit, resulting in lowering my credit score if it had been explained that the determining factor to increasing the credit limit was based on the length of time I had the card, which I still currently don't have. The Chase representative on the phone then told me that my credit was NOT pulled on XX/XX/2022 when the previous representative asked for my permission to do a credit check. He then explained that he could run my credit on XX/XX/2022 while I was in the branch for the increase of the line of credit. I told him NO. After getting off the phone with the representative that day ( XX/XX/2022 ) I received an alerting stating that there had been a credit inquiry by XXXX on XX/XX/XXXX, and XX/XX/2022. Despite the representative telling me there had not been an inquiry on XX/XX/2022 and asking me to approve another inquiry. Chase Bank lied, and has proven themselves to be untrustworthy. I filed a complaint with them but I have no confidence in them to investigate the complaint. Not only did Chase Bank lie about making two inquiries on my credit report on XX/XX/XXXX and XX/XX/2022 I would have never given permission for the inquiry made on XX/XX/2022 if it had been explained that the determining factor for an increase would be based on the amount of time I had the Freedom Credit Card which I still don't have as of today XX/XX/2022.
Product: Debt collection

On XX/XX/2018, I spoke with a JPL Recovery Solutions representative named XXXX XXXX '' over the phone. He claimed that I owed more than {$16000.00}. He also claimed that he would be sending paperwork to my employer that same day to begin garnishing my wages unless I immediately agreed to pay a total of {$4300.00}. XXXX also told me that I had to agree to automatic withdrawal from my account, beginning with a payment of {$1000.00} on XX/XX/2018. I agreed to this arrangement because I was scared of getting my wages garnished, even though I have never had any agreement with JPL Recovery Solutions and JPL Recovery Solutions has never given me any documentation showing that I owe them anything. I later received legal advice, and learned that JPL can not legally garnish my wages without a court judgment and order permitting it to do so. JPL lied about the amount I owed and also told me that I had to agree immediately or face garnishment. In fact they aren't allowed to garnish my wages at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in my ftc report and contacted the bank about accounts that I did not authorize that were open in my name. The credit bureaus have yet to remove those accounts. I want these accounts to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my credit report a year ago, I found several mistakes that were on my credit. Since these items were obvious fraud or mistakes by the bureaus I hired a credit repair agency to handle the issues on my behalf. It has been close to a year and they have not been able to remove the errors. Someone recommended to me the Consumer Finance Protection Bureau. I hope your company can assist me in getting these fraudulent items removed from my credit report. 

The errors that are reporting on my credit report are from the following companies with whom I have never associated with : XXXX XXXX, XXXX, XXXX XXXX, & XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, credit bureau are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In XX/XX/XXXX, I submitted an application for a rental property and paid the application fee of {$50.00}. I have email correspondence that proves the application was submitted correctly, which can not be done without payment. I have proof as well that my roommate at the time also paid in full {$50.00}. The rental company contacted me multiple times by email about renting the property, but never attempted to contact me after I did not rent there regarding any unpaid debts. In XXXX of XXXX, they submitted to a collection agency and it began harming my credit. Again, no correspondence at all, and I had already setup my mail to forward to my new address with the post office. The rental company and the collection agency had my email, phone, and address, all of which were required by the application. The " debt '' of {$50.00} has been harming my credit for almost 4 years without my knowledge.
Product: Debt collection

I am sending this asking for your help to file a formal complaint against [ Creditor Name ] regarding an account I have with them, [ Account Number/Reference Number ]. I believe that this account needs to be removed from my credit report due to error, fraud, and be remove Here are the details of my complaint : Creditor Name : HARRIS & HARRIS LTD Account Number/Reference Number:XXXX Date the Account Was Opened : XX/XX/year>2024 I have reason to believe that this account was opened fraudulently in my name, and despite my attempts to resolve the issue with the creditor, they have not taken appropriate action to remove the account from my credit report. I have disputed this account with the creditor, but it remains unresolved I am requesting that this account be removed from my credit report, as it is causing significant damage to my credit history and standing. I have made multiple attempts to resolve this matter directly withXXXX & XXXX XXXX, buttonoavail.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is on my credit reports, but is not my account : XXXX XXXX Summary Your debt-to-credit ratio represents the amount of credit you're using and generally makes up a percentage of your credit score. It's calculated by dividing an account 's reported balance by its credit limit.

Account Number Account Status PAYS_AS_AGREED Available Credit {$31000.00} Reported Balance {$30000.00} Debt-to-Credit Ratio 97 %
Product: Debt collection

I am a XXXX XXXX XXXX XXXX  and was living in apartment complex XXXX at XXXX XXXX. I had to break my rental agreement due to XXXX XXXX orders and notified them promptly upon receiving orders. On XX/XX/XXXX I was reached out via email about the final rental bill in regard to damages done to the unit. I received pictures from them and everything checks out besides the total amount. 
I requested and showed them adequate proof showing I was having pay issues at arrival to my base since I was getting processed into the system and did not get paid until XXXX. I followed up repeatedly with phone calls and emails and asked for them to allow me to pay on that day. 

The employee at the apartment complex repeatedly told me I would only have about a week to pay the final amount if not it will be sent to collections. Ultimately, the employee ( XXXX XXXX ) sent it to collections without notifying me and I only found out when I called on XXXX to pay it. 

On XXXX I received notification that I had a debt in collection for the amount of {$790.00}. They provided me documents that XXXX at XXXX XXXX sent them about my rental agreement and other documents that pertained to a renewal contract and my original lease from when I first moved there in XXXX. 

I disputed the collection as the total amount is not correct since XXXX at XXXX XXXX has a security deposit that they did not return nor use for the final rental bill of {$790.00}. I have followed up with the collection agency ( ProCollect ) multiple times via email and had have no response. I reached out via phone call on XXXX asking for an update on the dispute but was told it is still in investigation. 

Today, XXXX my wife, calls me saying that ProCollect called her threatening her to take the debt to her credit profile and with extreme hostility, demanding she pays by the end of XXXX or else we will send it to your credit. They also claimed to have sent letters and called me which is completely false as I do not have any reply emails or any calls from them in regard to my dispute or the debt in general, aside from the original email on XXXX. 

I personally called them today XXXX and spoke to a supervisor, XXXX XXXX and was constantly cut off from speaking and told that my account will be noted as refusal to pay when I have recording of the call and I never said that and constantly tried to reaffirm that my dispute is with the total amount and not the collection itself. I was met with threats of if I do not pay by XXXX that it will be sent to my credit. 

I have read of in laws and regulations regarding collection agencies and I want this business to be looked at and for them to review my account properly and fairly and without attitude.
Product: Checking or savings account

I was apart of a fraudulent scheme in which {$8200.00} was moved through my PayPal account to ultimately end up in another persons account who is the responsible party of debt. PayPal is harassing me by sending my account to yet another collection agency after I explained to the first one what happened and the refused to collect from me. PayPal send me emails and other reminders of this account balance that I do not owe! I have pressed criminal charges against the responsible party and they will be served a warrant for there arrest this week!
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive disputed these items as errors and they all came back as valid or not enough information submitted. Specifically XXXX XXXX # XXXX is charged off and is on my credit report. XXXX XXXX # XXXX is the collection company it was sold too and they as well are reporting the same account on my credit report, against federal laws. XXXX XXXX XXXX are garnishing my wages for this same XXXX XXXX account, but no updates of payments are reflective on my credit report. Also XXXX XXXX XXXX # XXXX ( charge off ) and XXXX XXXX XXXX ( collection agency ) are reporting the same account on my credit report too. Account # for XXXX XXXX XXXX are all different from n my reports but same account : XXXX # XXXX, XXXX # XXXX and Transunion # is XXXX but all are the same account being reported..