23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/XXXX we mailed our payment in to Freedom Mortagage. The company had not posted our payment to our mortgage account by XX/XX/XXXX, so I had contacted the payment processing number for the lender. I was advised that on this date they had not received our payment due to it not showing in the system. I contacted them on XX/XX/XXXX as well with the same response from Freedom Mortgage. Finally on XX/XX/XXXX they had posted our payment to our account, but it had been initialed that it was received as of XX/XX/XXXX. This is not the first issue that we have had with severe delay in processing our payment. We were not charged any late fees, but due to being required to mail the payment in, it caused undue stress to my wife and I during the holiday season because we were worried if we needed to send in another payment or play the wait and see game. If I am seeing the correct information regarding this type of issue is that it is required to be posted the same day or the next business day after it is received.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX 2016, XXXX XXXX closed all my checking and savings accounts and my credit cards because of financial fraud. I have not been able to get ready reserve accounts on new checking accounts because of fraud alerts and security freezes on each of my credit reports : XXXX, equifax and XXXX.
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I have called each credit bureau and submitted formal written letters asking that all fraud alerts and security freezes be lifted from each credit report.
I get no response other than new credit reports sent in the mail.
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Requested Action.
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Please contact each of the credit bureaus to remove ALL fraud alerts and security freezes so that my XXXX XXXX can get information for my ready reserve applications.
My XXXX XXXX has applies five times and can not get credit information to approve my application for new reserve accounts.
Product: Credit reporting or other personal consumer reports

To whom it may concern, I found a mistake on my credit report. I am writing to delete the following information in my file. According to 15 USC 1681e ( b ), this charge-off isnt reported correctly. Heres whats wrong : I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I need these accounts removed. Please fix this error. As well as the following inquiries below. Please delete the items as soon as possible. My name and only name is XXXX XXXX XXXX XX/XX/XXXX. My only phone number is ( XXXX ) XXXX and the only current address is XXXX XXXX XXXX XXXX XXXX XXXX Washington XXXX XXXX. 
Thanks, XXXX XXXX Items in Need of Deletion : Collections/ Charge offs 1. Account name : XXXX XXXX Account opened : XX/XX/XXXX Amount owed : XXXX XXXX. Account name : XXXX Account opened : XX/XX/XXXX Amount owed : XXXX XXXX. Account name : Dept of Education Account opened : XX/XX/XXXX Amount owed : {$5700.00} 4. Account name : XXXX XXXX Account opened : XX/XX/XXXX Amount owed : XXXX XXXX. Account name : Dept of Education Account opened : XX/XX/XXXX XXXX owed : {$2300.00} XXXX. Account name : Dept of Education Account opened : XX/XX/XXXX XXXX owed : {$4800.00} XXXX. Account name : Dept of Education Account opened : XX/XX/XXXX Amount owed : {$2300.00} 8. Account name : Dept of Education Account opened : XX/XX/XXXX XXXX owed : {$5900.00} 9. Account name : Dept of Education Account opened : XX/XX/XXXX Amount owed : {$6000.00} 10. Account name : Dept of Education Account opened : XX/XX/XXXX Amount owed : {$2200.00} 11. Account name : Dept of Education Account opened : XX/XX/XXXX Amount owed : {$2500.00} 12. Account name : Dept of Education Account opened : {$3700.00} Amount owed : XX/XX/XXXX 13. Account name : XXXX XXXX Account opened : XX/XX/XXXX Amount owed : {$850.00} Inquiries Account name : XXXX XXXX Amount Opened : XX/XX/XXXX Account name : BRCLYSBANKDE Account opened : XX/XX/XXXX
Product: Debt collection

I received a phone call stating that I was being taken to court for a bank account that was Used intentionally and purposefully to defraud the government and the old {$1200.00} to US Bank account refused to give me any written information regarding this fraud told me they were going to send me to gaol the police will be showing up at my house they said that they send me paperwork in XXXX to an address that I haven't lived at in years And their company was XXXX XXXX  XXXX XXXX out of California the phone number is XXXX
Product: Money transfer, virtual currency, or money service

I have a personal account with wells fargo, and a separate paypal account that I use for my self employment business. The two accounts are linked, and I will transfer funds back and forth between accounts. 

In early XXXX of 2023, I was contacted by a business through a freelance hiring site. This individual asked me to create some digital illustrations for them, and they would pay me {$600.00} for each illustration. There was to be 8 illustrations total, for a total cost of {$4800.00}. This individual also explained there would be 4 more illustrations after this job that would need to be completed for {$2400.00}, but that it would be at a later date and we would come back to it. They explained that they were working with a sponsor, who would be paying the bill, and the funds were ready to be sent while the project commenced. Shortly after, I received a cashiers check for {$7200.00}, which I deposited into my wells fargo account. This individual explained that they had accidently sent me the full amount of the project, and since we had signed a contract for {$4800.00} they asked if I could kindly return the difference of {$2400.00}. I agreed, as this person seemed legit at the time, and we had been conversing back and forth for the better part of a week. I used paypal to transfer the {$2400.00} funds, which pulled money from my wells fargo account. This type of transaction usually takes 12-24 hours. Once the transfer was initiated, I contacted the person to let them know the money was on the way. At this point, the individual suddenly changed tone, and I was told they needed the remaining funds immediately to cover an emergency that had just occurred. This change was very sudden and alarming, and immediately started to feel like a scam. I immediately contacted paypal and wells fargo separately, asking them to freeze the transaction, freeze my accounts, and to stop all money leaving both accounts. XXXX told me they were not able to stop the transfer because of the type of transfer I used ( friends and family ) and wells fargo told me they would not freeze my account. I contacted multiple people, various times, to attempt to stop this transfer. No one would help me at either institution, no one would freeze my account, and I was basically told " too bad ''. I continued to try to stop this transfer for the next 24 hours until the transfer was processed. At this time, the cashiers check also bounced, and so the amount of {$7200.00} was withdrawn from my wells fargo account. I contacted wells fargo again to explain what happened, and they opened a charge dispute. However, they did not take any information about the situation, nor did they ask what had happened or how it occurred, they simply just opened a dispute claim. The claim was denied within 2 weeks. I have been repeatedly calling paypal and wells fargo to attempt to get help in retrieving my funds, but at this point I have been denied across the board and no one will help me. I am out {$2400.00}, and I believe I did everything in my power to stop the transaction before it occurred, with no help from either institution.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Experian are refusing to delete information on my credit report that is clearly dismissed through the court I feel these companies have completely lost the reason they exist which is to CORRECTLY REPORT what they are told .... I feel these 2 companies are more focused on cronyism vs professionalism and I need clarification as to what exactly these companies are and should do as far as Transparency XXXX : is a FRAUDULENT company that has ZERO INTEGRITY and refuse to provide the services to consumers that is deemed worthy EXPERIAN : is another company I have PAID MONTHLY for their services of which they have not provided BUYER BEWARE DO NOT SUBCRIBE TO EXPERIAN FOR ANY OF THEIR SERVICES
Product: Credit reporting or other personal consumer reports

As stated in my last Cfpb report I pulled both my TransUnion XXXX XXXX credit report when I noticed that my reports were reporting inaccurate information due to fraud. I contacted XXXX asking politely to provide an original contract & was denied & also requested validation of debt which the representative denied as well. I notified XXXX that the account was fraudulent and the company insisted the debt had been sold to a XXXX party I then contacted the 3rd party debt collection requesting to Verify the debt & a purchase agreement which the debt collection XXXX XXXX XXXX failed to provide & denied sending a purchase agreement or contract as well. Under the FCRA Section 623 ( e ). The FCRA prohibits information furnishers from providing information to a CRA that they know or have reasonable cause to believe is inaccurate.it is required by law to delete & remove inaccurate information reporting to my credit report that is also committed under identity theft I kindly ask that this account is removed thank you!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian  XXXX XXXX XXXX XXXX XXXX XXXX RE : Social Security Number : XXXX PERSONAL INFORMATION UPDATE 2ND REQUEST To Whom It May Concern : I recently obtained a copy of my consumer report and noticed that you are reporting inaccurate information in my personal information section. To diminish speculation mu information is as follows : My Full Legal Name : XXXX XXXX XXXX Please DELETE all other references to names as they are not mine and I have never used any of them. 

Please be sure that my address is listed correctly. 

My Address : XXXX XXXX XXXX, XXXX XXXX, NJ XXXX Please DELETE addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 

My only Phone number is : ( XXXX ) XXXX DELETE any and all other phone numbers. 

I demand my social security number and date of birth be removed from being displayed on the consumer file for privacy reasons. 

DELETE all information in the employer section. 

Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

Please send an updated consumer report once the changes are complete to my contact information listed. 

My contact information is as follows : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WITHOUT RECOURSE Enclosed XXXX XXXX XXXX State ID and Cable bill showing proof of address
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been fighting this for almost two years. Their dates are wrong and because of their dates, I look late. They have the account late XXXX, closed XXXX, last payment XX/XX/2021. Its supposed to be last payment XXXX, closed XXXX. I have disputed this four times, provided payment info over and again as well as proof. This is inaccurate and illegal reporting that is basically harassment at this point.
Product: Student loan

My student loan was originally with Access and ACS purchased this and while I was under deferment. ACS reported me 60 days late on XXXX different occasions. Once XXXX and again XXXX and XXXX late remarks are erroneous and inaccurate
Product: Credit reporting or other personal consumer reports

I have been calling and making complaints to XXXX XXXX  about the handling of my mortgage reporting to the three credit bureaus. They sent me a payment history saying that it is reported on my credit, which was not a credit report but a payment statement. Today the XXXX of XXXX I was told that XXXX XXXX  is not responsible for reporting, I was told by a manager that it is the credit bureau not reporting. I have made complaints to the credit bureau about the false reporting and nothing has happened. This none reported information has hurt us financially as we dont qualify for loans because the reporting is wrong. This is not fair as an XXXX trying to survive in this economy.
Product: Debt collection

On XXXX @ XXXXXXXX XXXX PST, XXXX XXXX called my cell phone asking for a XXXX XXXX  aka XXXX XXXX. I told them in no uncertain terms that it is a wrong number, I know of no XXXX, I do not know what XXXX XXXX is, and to take my number off of their database. The representative assured me they did. 

However, on XX/XX/19 @ XXXX XXXX PST, XXXX XXXX called me yet again. Obviously the previous representative did not take me off their database and they continued to harass me, knowing the number is wrong. 

Lastly, is there any way to get my number off of the debt collection rolls for XXXX XXXX? I made a report back in XXXX regarding XXXX XXXX XXXX calling me for the same debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE UNAUTHORIZED CREDIT INQUIRIES ON MY REPORT, THEY ARE BELOW. XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On or about XX/XX/2020 I notified PayPal of a dispute I was having with a Seller who failed to provide the services for which I paid {$3000.00}. PayPal opened up a dispute case and requested a response from the Seller. On or about XX/XX/2020, PayPal decided in the Seller 's favor and closed my case. That same day I contacted PayPal asking them to reopen my case and to give me an opportunity to submit documentation supporting my case. PayPal had told me they would request documentation but never did before closing my dispute case. PayPal has not responded to my concern.
Product: Checking or savings account

I had {$3100.00} withdrawn from my checking account in five different payments from XXXX. I contacted Chase 's fraud department and after almost a week they claimed all the transactions were authorized even though I never got notified and wouldn't give me my money back. 

All five were taken out of my account on XX/XX/2023. Amounts were : {$900.00} {$950.00} {$920.00} {$130.00} {$220.00}
Product: Vehicle loan or lease

I traded in my XXXX XXXX XXXX to XXXX  XXXX last XX/XX/2018 at XXXX XXXX dealer It will take 3months left only for maturity of lease of old car and We had an agreement that i will only trade in if i wont pay the balance of that car or i will wait til it matures So the dealer promised me that they will take care of everything including return of old car and balance payment to get sale. They even called financial to know how much is the balance .I believed them because its not the first time i did trade in and never had problem in the other car company. But after few months, I received a call from toyota financial that they sold car to auction and they want me to pay the balance. I tried to contact them many times to find out what happen but everytime i try to know whats going on they immediately transfer me to collection agency. I asked personally the dealer if they pay the balance They said yes and they cant help me too to solve my problem. Its too depressing for me because i felt that after the sale they neglected me as a customer. And this financial already reported to credit which affected my chance of loan for my kids in college They have no conscience While checking mails i found a bill from toyota that dealer paid the balance and i only have to pay 1month of balance Please try to analyze what this financial did to me They sold the car without letting me know whats going on Want me to pay balance of auction and they send me one last month bills of balance on XX/XX/XXXX after they sold the car They are too unfair for an honest innocent customer like me They are too quick to report to credit which really affected my credit report If you will check all my debt I never pay late for my bills but they still report late and report as bad debt collection I tried to contact financial that im willing to pay the last month bill but they never listen to me that i was not aware what happened They still want me to pay the auction balance Its a nightmare for me and my family and my friend to get car from toyota again
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX  should not be reporting a collection/chargeoff or ( XXXX  ) days late on the XXXX   partial account numbers XXXX and XXXX. ( Please see pages attached from my credit report. ) I have been faithfully paying on this account every month for years to XXXX. I was not aware that this account was reporting derogatory information until I recently obtained a copy of my credit report. I was never notified by XXXX that this account had been sold to another lender. It is clear that the new company who purchased this student loan debt was not applying the payments I was making monthly to XXXX. I have attached a copy of my statements showing my timely monthly payments. Consequently, because my monthly payments were not being applied correctly, this has caused the derogatory reporting on my credit report. I have contacted XXXX along with the bureaus to remove the collection/chargeoff and lates however, I have not been successful. This false reporting is seriously harming my credit score and this line item needs to be removed from my credit report.
Product: Credit reporting or other personal consumer reports

This company has violated my rights and FCRA. The company has charged off an account which I did not consent to. According to Federal Credit Reporting Act Section 605B. It is illegal to report information on my credit report without my permission. Also, the company charged off the account with giving me a copy of my 1099C. If the company wrote it off on their taxes I was suppose to receive a 1099C. Which I am supposed to claim on my taxes as income.I still have a balance stating I still owe the money but it was wrote as charged off. On my credit report it is stating otherwise and is not accurate. This is statutory damages and actual damages for reporting incorrectly to my credit report.
Product: Checking or savings account

Ever since TD went to an automated system regarding suspicious transactions, I have had countless, countless times my card has been blocked during overseas travel. Even though I have been in XXXX for 2 years now, they block it about every two months for " suspicious transactions. '' Same ATMs, amounts, dates etc. 

The last 3 months, they have blocked it each month and it's a nightmare to get unblocked. The standards change every time. 

I do not have a US phone number here. Its incredibly expensive to maintain. Sometimes they will send a code to my XXXX phone, sometimes not. 

When you have repeated incidents at this number, for the same problem and they don't fix it, leaving me in a foreign country with no access to funds, they need to be forced to make changes. This obviously is affecting more people than just me. 

It is also, in legal terms, negligence if not XXXX  negligence, breach of good faith etc.
Product: Mortgage

Hello. I am having 2 problems with this company. 1 ) They reported to the credit agency that I am not paying on my mortgage. It is delinquent and I have missed payments when I have never missed a payment. My loan was just sold to FM by XXXX XXXX. XXXX reported correctly and I was green on my credit report. FM reported wrong causing to negatively affect my credit score. 2 ) They are refusing to give me a payoff statement when they have the permission documentation from my attorney to release the information to me. I feel like they are discriminating against me because I filed for XXXX and providing me with subpar service. They said if i didn't file for XXXX typically I would be provided with the documentation within an hour. Every time I call the date to provide me with the documentation is moved further and further in the future.
Product: Checking or savings account

On XX/XX/XXXX, I requested a Stop Payment in the amount of {$900.00} from XXXX XXXX. 
On XX/XX/XXXX, the payment of {$900.00} was deducted from my checking account. 
On XX/XX/XXXX, Chase Bank approved my request for the stop payment and was valid for 1-year. 
On XX/XX/XXXX, I contacted Chase letting them know I had a payment of {$900.00} payment deducted from my account. 
On XX/XX/XXXX, Chase reversed the payment and returned the funds back to my account. 
On XX/XX/XXXX, a payment of {$900.00} was deducted from my checking account. 
On XX/XX/XXXX, I contacted Chase again asking why a payment was deducted even if I had an approved Stop Payment. 
I have contacted Chase on several occasions to dispute the {$900.00} deducted from my account and on XX/XX/XXXX, Chase 's response to my repeated dispute was not approved and determined that the transaction was valid, thereby dishonoring my Stop Payment that was previously approved. These funds have not been reversed to my checking account. Arrangements were already made with another company in XX/XX/XXXX to pay off my debt with XXXX XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of ________ These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reporting XXXX on my credit report that dont belong to me : XXXX information is on my credit
Product: Credit reporting or other personal consumer reports

I received a few late payments on a mortgage at the tail end of XXXX and tried to dispute this information XX/XX/XXXX. The reason I was disputing this information is that it was awarded to my ex in our divorce. I have attached the divorce decree and judgement for the court that pre-date the late payments. Unfortunately, my ex-husband did not pay the mortgage and it affected me. The original divorce decree was dated XX/XX/XXXX, the late payments started in XX/XX/XXXX. 
I have uploaded the final judgement dated in XX/XX/XXXX. I was able to remove a portion of the late payments but there are still some on there. Trans Union has a late in XXXX, XXXX has a late in XXXX, and XXXX has lates in XXXX and XXXX. I have tried disputing this information with the Credit Bureaus in XXXX, XXXX and XXXX to no complete avail. I am glad that they were able to remove a portion of them, but I need all of these removed. The late payments were not mine, as the divorce decree signed by a judge states, and the judgement. I have written and called the Bureaus but that has not got me anywhere. 
I am attempting to get a new home and start over fresh but it seems that the Credit Bureaus do not want that for me.