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

On XX/XX/2022, I submitted my regular payment though my mobile app for Fortiva, in which the company received payment on XX/XX/2022, everything was fine. On XX/XX/2022, my bank account was hacked, and all the money removed. I informed all my creditors of the problem. Each creditor understood and so did Fortiva. After I received my new bank account. I called each creditor giving them the new information, this included Fortiva. They all wavier the late fees, including Fortiva. and all was well. In XXXX of XXXX, the payment for Fortiva was not paid because of the problem with my bank account. So, in XXXX in made the payment to Fortiva for fees and back payment from the new account. In XXXX of XXXX, I made the payment, and they used the old account number and then charged me with a return check fee and use my payment for that. I called customer service to get the fees refunded but was told that they couldn't because they had already given me wavier in XXXX. This error was not my fault but the fault of the company, because they took the XXXX 's payment from the new account, and they turned around and took the XXXX payment from and old account. I don't think I should have to pay for their error. Now my account is over the limit, and they closed my account and are sending me collection letters before the payment is due.
Product: Credit reporting or other personal consumer reports

Carefully read my complaint as I need immediate action regarding this. An item that has resulted from fraud which I never benefitted from still appears on my report, it is already deleted by both XXXX and XXXX yet you continue to put this false and fraudulent information on my credit. This is incredibly insulting and a defamation of my character, it's stressing me out knowing that my rights are being violated as a consumer. This is already reported to the Federal Trade Commission but nothing is removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXXXXXX XXXX XXXX my Wife and I filed for XXXX XXXX  bankruptcy. We did NOT include our auto loan with XXXX XXXX XXXX XXXX in the bankruptcy, it was " Direct Pay '', " Notice Only '' payments to be made by the debtor ( s ). On XX/XX/XXXXXXXX XXXXour bankruptcy was declared " Paid in Full '' and fully discharged. To date we have paid the loan on-time, we have never been late, missed a payment or under paid the amount due. We have been out of bankruptcy for 15 months and XXXX has still not reported our on-time payments correctly, citing " Discharged under Bankruptcy '', " Account Closed '' to the credit bureaus. As of next month we will still have approximately 14 more payments due. We have contacted XXXX numerous times as well as all 3 credit bureaus to dispute this. XXXX continues to keep our loan in there " Loss Mitigation Dept. ", the department manager XXXX XXXX says they have done everything they can do to fix this and blames the credit bureaus, the credit bureaus say they can only report what they receive. We check our credit regularly and pay monthly for XXXX XXXX XXXX, to date nothing has changed.
Product: Credit reporting or other personal consumer reports

Tonight, I was dismayed to discover inaccurate accounts on my credit report, without any clear reason why. Ive checked my report regularly, and this time there were unexpected discrepancies. I refreshed my browser, hoping it would fix the issue, but the wrong accounts didnt disappear. Im now requesting a thorough examination of my submitted documents to prevent this from happening again.
Product: Credit reporting or other personal consumer reports

COMPANY MIDLAND FUNDINGXXXXXXXX XXXX IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO 15 USC 6802 BY CONTINUING TO REPORT NON PUBLIC INFORMATION. ON XX/XX/XXXX, IN WRITING, I OPTED-OUT OF REPORTING FROM MIDLAND FUNDING/XXXX XXXX, AND SAID COMPANY IS STILL NOT RESPECTING MY CONSUMER RIGHT EVEN AFTER OPT-OUT NOTICE.

MIDLAND FUNDING/XXXX XXXX  IS VIOLATING MY RIGHT TO PRIVACY PURSUANT TO THE FOLLOWING : XXXXPRIVACY ACT OF 1974 GUARANTEES PROTECTION OF MY PERSONAL INFORMATION.

-CODE OF FEDERAL REGULATION TITLE 16 CHAPTER 1 SUBCHAPTER C PART 313 GRANT ME THE RIGHT TO OPT OUT.

-TITLE 15 UNITED STATES CODE 6802 PRESCRIBES CONSUMER PROTECTION FROM AFFILIATE AND NON AFFILIATES OF MIDLAND FUNDING /XXXX XXXX
Product: Credit reporting or other personal consumer reports

My problem there giving my data out and now there saying im deased i cant work i cant even get loans nothing im in a real bad place and there not helping at all the credit report place also ive complained before never heared back from anyone
Product: Debt collection

I received a letter from a collections agency [ AFNI Inc ], claiming that I opened a loan from XXXX. I responded to the letter asking for more information and validation, proof, and an original copy of the loan agreement with my wet ink signature. They habitually ignored my request. It has been well over 90 days and I have not gotten a response to what the loan is. Upon further investigation it appears that my name and address was used to open the account and/or billing reasons. This is without a doubt true name fraud, which I informed them because I have never lived in the city or address that they claimed or received any goods from XXXX.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/year> Midland Credit Management XXXX XXXX XXXX XXXX XXXX, MI XXXX Subject : Confirmation of Removal of Fraudulent Account Dear Midland Credit Management, I am writing to formally acknowledge and confirm that this account is not accurate, and I want the fraudulent account in the amount of {$1200.00} associated with my name and Social Security number. This account was disputed under the Fair Credit Reporting Act, specifically 15 U.S. Code 1681, and I appreciate your cooperation in resolving this matter. 
I understand that this account is fraudulent and needs to be removed from my credit report. I would like to request confirmation in writing that this account has been deleted from all credit reporting agencies and that it will not be reported in the future. 
Please consider this matter resolved, and do not hesitate to contact me if you require any further information or documentation regarding this issue. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

An incorrect account information has been discovered on my credit report. This incorrect information is being reported for XXXX by the 3 Credit Reporting XXXX XXXX XXXX, Experian, and XXXX. Below are the incorrect account status as reported by the agencies. 

Last Verified : XX/XX/XXXX ( XXXX ), No date ( Experian ), No date ( XXXX ) Date of Last Activity : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Experian ), -- ( XXXX ) Date Reported : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Experian ), XX/XX/XXXX ( XXXX ) Date Opened : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Experian ), XX/XX/XXXX ( XXXX ) Date Closed : XX/XX/XXXX I have requested a Reinvestigation for the inaccuracy to this information reported by XXXX, Experian and XXXX but none of these companies has responded with absolutely certainty of the accuracy of these information.
Product: Checking or savings account

I opened a citi priority checking account on XX/XX/2021. And I transfer {$10000.00} from XXXX XXXX  to this citi checking account. Then my citi checking account was closed on XX/XX/2021. They don't provide the reason why they closed my account and don't refund my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

C AP ONE   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , UT  XXXX  Inquires on  XXXX / XXXX / 16  and  XXXX / XXXX / 16  Thi s inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) which states, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater. ''
Product: Mortgage

I refianced my house with my mortgage company, Mr. Cooper/Nationstar to take advantage of a lower interest rate. Several weeks after closing, I was sent a check on XX/XX/2020, for XXXX. I deposited the check and several days later I noticed, on my bank statement, that the check was stopped and I was fined {$10.00} from my bank for a stopped check. I called Mr. Cooper and spoke to XXXX XXXX ( phone number XXXX ), who seemed as perplexed as I was, that XXXX ) I was mailed a check with no explanation and 2 ) why it would be stopped without explanation from Mr. Cooper. She promised she would find answers and said, at the very least would refund me the {$10.00} fee. After reviewing my account, while I waited on the phone, she was unable to provide any answers. She said she would look into it further and return my call the following week. As of Wednesday the following week, she hadn't called back so I called her and XXXX told me the check was an error and the money went to closing costs. Considering I already paid {$15000.00} in closing costs, I find this difficult to believe so I requested a detailed explanation as to how this error could occur. She said she would have someone, who was more knowledegable in this area, return my call within 48 hours. No one called. I then called XXXX again on XX/XX/XXXX, got hung up on and when I called back, got her voicemail saying it is not accepting messages. So I then went through the whole process again to get answers and spoke with XXXX ( phone number XXXX ). She too, said someone would call me with an explanation within 48 hours and no one did. My last attempt was when I called XXXX on Friday, XX/XX/XXXX and left a message requesting a return call. As of today, XX/XX/XXXX, she has not. I am frustrated that no one can articulate to me why and how this happened with documented evidence. I have been getting the run around from employess for 2 months.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 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 XXXXXXXX
Product: Credit reporting or other personal consumer reports

I want to discuss my recent review of the credit report acquired from your bureau. Upon certain scrutiny, I noticed the existence of reported late payments on my accounts and I disputing this incorrect information. I have done necessary steps to address and find out any postponed payments. I am amused to inform you that other credit bureaus have already took off these late payments from their records. I am peculiar about the discrepancy in reporting between your bureau and others. So please UPDATE and CORRECT the account : XXXXXXXX XXXX XXXXXXXX. XXXX
Product: Credit card

I applied for the U.S. Bank FlexPerks Travel Rewards Visa Card during their XXXX Visa XXXX Bonus FlexPoints promotional offer, which was for a bonus XXXX " FlexPoints ''. The only requirements to meet this bonus were to open the account before XX/XX/XXXX and make one purchase by XX/XX/2016. After allowing the 6-8 weeks stated in the terms and conditions for the bonus points to be credited and still not having received them, I followed up with U.S. Bank on the status of my bonus points. They stated that they needed more documentation from me requesting verification of the promotion in question. On XX/XX/XXXX, I faxed in all of their requested documentation, as well as my backup documents showing I had met the requirements outlined in the terms and conditions of the offer to receive the bonus. After following up again about the status of my bonus points on XX/XX/XXXX by phone, a supervisor named XXXX stated that U.S. Bank would not be able to credit me the XXXX " FlexPoints '' because I had used the wrong application link when applying for the card. This is simply factually not true, as I had even gone the length of capturing the webpage I had used to apply, proving it. This screen capture was also included in the documentation I had faxed on XX/XX/XXXX. I have attached all of our written correspondence, including the documentation I had faxed, which clearly shows I : 1. Applied using the correct link ; 2. Satisfied all requirements to receive the bonus points ; 3. Gave sufficient opportunity to resolve the issue timely and amicably.
Product: Mortgage

Never wanted our mortgage Servicer to change to Fay Servicing from XXXX XXXX. I read bad reviews & complaints about Fay Servicing. Always, constantly having issues. XXXX kept payment & kept trying foreclose & put my name on foreclose several times on court records, when mortgage was in modification. I was told that they only start at 5 % with modification when ours was 2 %. Then they told me I had get / pick own ins. So I did, then they forced place insurance making payment go up. When talk to representative Im told their placed ins taking off but when transferred to customer service told 2 forced placed ins and caused problem to run modification payment higher & messed up escrow. Figures not add up & charging wrongful fees. Our modification payment should be XXXX not XXXX. I feel they are wrongly forcing insurance & not honoring modification guidelines. I feel deceived and hard trust their practices. Consumers deserve be treated fairly and no extra cost when trying get only home paid for without added fees & wrongful cost. Fay servicing already been sued for same forced place insurance & wrongful practice that still engaging in and wrongfully putting on me & other consumers.
Product: Debt collection

This is a complaint against Transworld Systems Inc. and the XXXX XXXX XXXX XXXX department. 

On XX/XX/XXXX I received a notification from Transworld Systems Inc. that an account of mine has been placed with them for collection. The account is with XXXX and is in the amount of {$310.00}. 

I have a payment plan with XXXX for this account that was started in XX/XX/XXXX. My monthly payments are current and complete. Please see attached for correspondence with XXXX XXXX XXXX XXXX department on setting up the payment plan, as well as the XXXX and XXXX installment payment confirmations. 

XXXX should have never placed my account for collection. Additionally, this balance payment is for a medical bill that was not processed by XXXX in a timely manner with the insurance company - please refer to my XX/XX/XXXX CFPB complaint # XXXX. This will ruin my credit score and  Transworld Systems Inc keep calling me while I am at work and not able to discuss sensitive details on the phone.
Product: Credit reporting or other personal consumer reports

Dear cfpb XXXX XXXX XXXX XXXX XXXX XXXX  : this account is listed as having been 60 days late, but I was never late. Send me the bank statement belonging to XXXX that shows when my payments were accepted into their bank account. Outside of this, it's nothing other than hearsay and is not legally verifiable. Therefore, this status and any late payments must be removed from the account or remove the account & there deleting the account but i need it done faster proof in pdf
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard credit Inquiry showing on my credit report from a XXXX XXXX XXXX on XX/XX/2023. This was not me. ( showing on TransUnion ) I keep having an issue with someone applying for credit under my name/account. This was not me again. 

I also had XXXX on XX/XX/2023 from a XXXX - XXXX XXXX. This one is supposed to be removed from my credit card company. I called and am disputing this as well. These credit inquiries are not me. 

I also have a fraud alert on my account with TransUnion and XXXX. So I am confused on how I keep getting hard credit pulls.
Product: Credit card

A Captial One credit card was taken out in my name in 2014 by my now estranged wife, this information was never given to me and I never agreed to or signed any document to open this line of credit. I have only now found out because she stopped making payments on the card after filing for divorce, someone told me she was bragging about having opened a card in my name and I checked my credit report to find it was in fact true. My wife does not even deny that she did this.
Product: Vehicle loan or lease

Finance manager submitted incorrect income information in credit application to multiple banks. Due to this error, auto loans were denied and left me with limited choices to choose for the loan. 

Even though the deal was finalized and completed, credit inquiries with dates after the transaction was done have shown up in my credit report when I did not need a loan anymore.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the REMOVING of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

We have been paying our mortgage on a biweekly basis sending over half a payment at a time for several years without any problems. XXXX XXXX sold our loan to Nation Star mortgage and we continued to pay biweekly. Nation Star began sending letters saying that they put our partial payment into a " suspense account '' until the remainder of the mortgage payment was received. The letters were regularly inaccurate saying we owed double our regular payment at times. We contacted Nation Star regarding these letters and were told to disregard their collection letters that our payments were current. We continued paying biweekly and ignoring their constant harassing daily collection calls and inaccurate monthly letters telling us funds were in suspense showing inaccurate amounts owed. 

We have since found out that Nation Star has reported to credit bureaus that we are delinquent on paying our mortgage payments causing our credit scores to drop over XXXX points. We have contacted Nation Star to have them review our account and were told they are right ; we are delinquent and owe them money. After protesting and attempting to go over our recorded payments since they took over our loan in XX/XX/XXXX, I was rudely told I can fax them information of our payments for them to further investigate. I printed my credit union 's records of payments for a year, and faxed the information to the Customer Service Rep XXXX XXXX with the fax number she provided on Friday XXXX/XXXX/XXXX. 

We attempted to follow up with Nation Star on Tuesday XXXX/XXXX/XXXX to verify they have received our fax and have not received a return call. This is unacceptable to us. 

In error I sent a double mortgage payment via ACH in XX/XX/XXXX in the stress of this situation. I requested to have the extra payment returned to my checking account, but of course Nation Star will not return my money since their records show I am delinquent.
Product: Debt collection

Upon reviewing my recent credit report, I identified multiple fraudulent accounts that I believe were added without my consent.
Product: Credit card or prepaid card

i am receiving benefits from Florida Dept of Reemployment (  unemployment ). My benefits were coming in a check and then several weeks I did not receive a check. Upon checking their web site I saw that the missing weeks were put on a Way2Go Master Card. I did not request this. I did not EVER receive a card from Way2Go. 
It is impossible to get through the automated response system without your card number. 

There are two numbers you can call for the Way2Go Master card. Both numbers XXXX or XXXX require you to have the card number and pin. If you do not have the number the automated response tells you to press the # sign. When you do that it tells you to enter your social security number, date of birth and pin number. Without the pin number the automated response system says thank you and hangs up. There seems to be no way to bypass the automated system and speak to a human. Since I never received a card I do not have a card number nor pin. 

Why part of my benefits were sent to this card I have no idea as I had been receiving paper checks in between weeks that were issued to the mysterious card.
Product: Mortgage

Faxed in modification paperwork XXXX and another 9 times! Faxing again today XXXX! Bank keeps asking for paperwork, explained co-borrower no bank statements no tax returns due to under threshold! Now letter dated XXXX says out of review and now getting paperwork from an attorney about foreclosure!!!!!!!!!!!
Product: Money transfer, virtual currency, or money service

I am creating an additional claim due find out more information. 
I recently was scammed by a person posing as a renter for an apartment in XXXX. This person refused to let me see the apartment and I backed out of the lease agreement. The person told me that I could submit a document to get a refund, but I have not received it. Zelle won't do anything about it because I authorized the first initial payment because I thought I was getting an apartment. The security deposit was {$1700.00} on XX/XX/2022. This week I found out that this person has scammed people before, and Zelle is fully aware of it. A woman I spoke to was scammed by the same person. She was not only scammed of {$5000.00} but this person stole her email, and her name, and froze her bank account. This happened before I was scammed, and Zelle already has a report on this person yet they still continue to let this person use Zelle with no protection for those who aren't scammers. I can provide more details, and I wanted to emphasize how Zelle gave me the blueprint if I ever felt the need to scam  someone.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX Address XXXX XXXX XXXX XXXX, CA XXXX Phone number ( XXXX ) XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX, MI XXXX XXXX details On record until XX/XX/XXXX Inquired on XX/XX/XXXX I did not authorize this please have them removed from my credit report