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

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX This account was charged off on the following date : XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX Equifax : NO XXXX STATUS ]. Since then, the account has repeatedly been updated as charge-off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights.
Product: Mortgage

on XX/XX/XXXX I made an online payment of XXXX to NewRez/Shellpoint for my XXXX Mortgage payment. On XX/XX/XXXX, I received a letter from NewRez indicating that the payment was returned by my financial institution. The evening of XX/XX/XXXX, I contacted NewRez via telephone and advised them that the payment was not returned and that the monies were debited from my account on XX/XX/XXXX. Both customer reps that I spoke with stated ( 1 ) that the payment was returned 'Account Closed ' and ( 2 ) I needed to email the loan servicing department to resolve the issue. After hanging up from the call with customer service on XX/XX/XXXX, I emailed the loan servicing department advising them that the payment was not returned, as the account is still open and active. Attached to the email was the bank printout showing the funds were debited by NewRez on XX/XX/XXXX. 

As a follow up to my email and conversation with the customer service reps on XX/XX/XXXX, the morning of XX/XX/XXXX, I contacted XXXX XXXX 's ACH department to verify that the funds were not returned at which time I was advised that on XX/XX/XXXX they had system issues and erroneously notified banks that accounts were closed and/or had insufficient funds, however the funds were debited from the account and not returned. The banks branch manager then assured me that the NewRez had already been contacted regarding their system issue on XX/XX/XXXX. 

As a follow up to my conversation with the XXXX XXXX where the mortgage payment was successfully debited from my account, on XX/XX/XXXX, I emailed NewRez again notifying them of the bank error. Additionally, NewRez was provided the bank managers contact information and notified that per the bank manager that as a mortgage originator, NewRez had already been contacted regarding the error. 

On XX/XX/XXXX NewRez was once again contacted regarding the bank error at which time I was notified that they were aware of the issue and that it was resolved. Additionally, I was told that my XXXX payment had not been received. After I kept questioning the rep and provided a specific date ( XX/XX/XXXX ) that the payment was debited from my account and posted online to their system, she admitted that the payment was in fact received. 

Thinking that the issue was resolved related to XXXX payment, where once again the monies debited from my account and not returned ... .. I went online XX/XX/XXXX to make XXXX XXXX payment at which time the system indicated that the account is in forbearance and that payments are not acceptable. I did not request a forbearance and have been making all payments. 

Please help. Not sure why NewRez is not posting/processing my payments.
Product: Credit card

I was looking my credit scores in XXXX XXXX and found out a change in my credit score. When I opened the notification stating that my oldest credit card was closed on XX/XX/XXXXXX/XX/XXXX. This was my first credit card opened in XX/XX/XXXX, downgrading my credit history from almost XXXX years to only XXXX years. 

The company ( Banco Popular ) never sent a notification or anything related to my person to use the card. 

I contacted the company XXXX XXXX XXXX to make an inquiry and verify why they closed my account without notifying me and the customer service representative opened a claim. I received two letters onXX/XX/XXXX and the other one on XX/XX/XXXX stating they cant reopen an account once its closed.
Product: Student loan

CARES act passed and have defaulted loans on wage garnishment. 
Wage garnishment has not ceased on defaulted federal loans by my employer XXXX XXXX. 

I have contacted both the Dept of Ed and my employer and neither had take action, in violation of federal law put into effect by the CARES Act. 

There is no further action I can take to stop this illegal garnishment of my funds. I have not received the return of the garnishment on multiple paychecks, which also was promised by the above act and federal department of education.
Product: Credit card or prepaid card

My husband noticed a fraudent charge on my credit card bill while I was overseas. The amount was {$1200.00}.

After contacting the credit card they refused to dispute the fraudent transaction and will not credit me back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputes several names that I am disassociated with, or are clearly not my name as well as addresses. I would like them permanently deleted as I do not utilize these names, phone numbers, or reside at these addresses except one. I also am trying to delete the several phone numbers on my reports as I have had lost/stolen phones over the years and my personal information being used linked to those addresses as well as phone numbers. I have 1 name, 1 phone number, and 1 address that I use and reside. These appear on XXXX, XXXX, and Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section XXXX XXXX a ), it is plainly stated that a failure to investigate these items within XXXX gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and XXXX have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

Received a notice of a decrease in credit score from Transunion, from XXXX to XXXX. On checking the site, the score did not show a decrease. Called the number listed in the email notice. Spoke with support staff who explained that the discrepancy was the result of a technical glitch; said that I would receive a letter by mail confirming this ; that it was not possible to send me confirmation of the content of the phone call. 

I have not received the promised letter. There is no phone number on the site to speak with anyone ; the online options under dispute do not pertain to the problem ; and the chatbot seems not to recognize the issue or to be able to connect me with a human being. 

I've received emails saying that the dispute has been resolved. It has not. Two requested corrections were made, but the main problem ( the credit score number ) was not resolved.
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : Account : XXXX XXXX XXXX Account no. XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Previous Address ( es ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

Check into cash gave a loan to my ex husband on a vehicle I bought and paid for while the title read and not or for the names and I did not sign for it. They will not give me any information on it because it is in his name and I was to receive the vehicle in our divorce. They told me I needed to get a lawyer They could not give any information.
Product: Credit card or prepaid card

I was notified by phone that I had a credit card debt os over {$2000.00}. They Genesis FS. Card services asked me when will I begin to pay off my debt. I stated that I didn't request a credit card and was unaware of their company. Therefore morally and legally I shouldn't be responsible for this debt.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : ACCOUNTS : XXXX XXXX XXXX XXXXXXXX XXXX XXXX  - XXXX XXXX - XXXX INQUIRIES : XXXX XXXX - XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than XXXX days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Debt collection

Cedars Business Services is attempting to collect on a fraudulent XXXX debt. 
XXXX placed a duplicate order ( XXXX ) for 3 items I purchased a day prior. The items I actually did order and receive are as follows. 

Order # 's, dollar amounts, purchased items, and delivery dates are as follows. 
XXXX {$910.00} XXXX XXXX XXXXXXXXXXXX XXXX XXXX  Delivered XX/XX/XXXX XXXX {$120.00} XXXX XXXX Delivered XX/XX/XXXX XXXX {$110.00} XXXX XXXX $ XXXX XXXX Delivered XX/XX/XXXX I have the following items shown paid by XXXX XXXX and owe nothing. Someone at XXXX  duplicated the order and said it was delivered and not paid. Why XXXX year later am I receiving a collection letter dated XX/XX/XXXX. This was clearly an error on XXXX. I wish I was able to email/speak with someone in the finance department XXXX I hope you can at least forward our communication with them to clear up the matter. XXXX finance dpt will not speak to consumers. Everything is left up to me to dispute with the collection agency. I've attached photos of the XXXX XXXXXXXX  XXXX transaction history for the items I purchased and the collection letter. I've also attached a screenshot of an email from a rep at wayfair. They did not admit they made an error but they did acknowledge one of the duplicated items was lost in transit. When I sent this to the collection agency they would not lower the charges. Although I did not place this duplicated order I was willing to pay the lesser amount of {$110.00} to make it go away. Still the agency would not help resolve the matter or work with me. This has been very frustrating to me as my credit is in very good standing. 

Again I'd just want to thank you so much for your assistance in trying to resolve this matter. 

Sincerely, XXXX
Product: Credit reporting or other personal consumer reports

I have disputed these fraudulent and unauthorized inquiries before and was removed from my credit report yet upon checking recently, it re-appeared. I do not recognize these inquiries, I already spent enough precious time it is so frustrating and exhausting.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several items on my credit report that I believe in violation of 15 U.S Code 1681 which prohibits furnishing certain deceptive forms. Id like to bring your attention to case XXXX XXXX XXXX XXXX ( XXXX. XXXX. XXXX. XXXX, XXXX  ) when the court held that credit reporting agencies must avoid reporting information that creates a materially misleading impression. 


Given the perversion by this case I kindly request the removal of these accounts on my credit report or update a neutral or positive status. Doing so will ensure that my credit report is a fair and accurate impression of me. 
Below are the reference accounts that need to be update to positive and or removed from credit report. 









XXXX. 15 U.S Code 1681a ( 2 ) Exclusions XXXX XXXX XXXX ACCT NUM # XXXX This account is inaccurate and Im seeking ligation please delete at once 2. 15 U.S Code 1681a ( XXXX ) Exclusions Inquiry XXXX XXXX Date of Inquiry XXXX This account is inaccurate and XXXX seeking ligation please delete at once XXXX. 15 U.S Code 1681a ( XXXX ) Exclusions Inquiry XXXX Date of Inquiry XXXX This account is inaccurate and Im seeking ligation please delete at once XXXX. 15 U.S Code 1681a ( XXXX ) Exclusions Inquiry XXXX... 
Date of XXXX XXXX This account is inaccurate and Im seeking ligation please delete at once 5. 15 U.S Code 1681a ( XXXX ) Exclusions Inquiry XXXX... 
Date of Inquiry XXXX This account is inaccurate and Im seeking ligation please delete at once XXXX. XXXX. 15 U.S Code 1681a ( XXXX ) Exclusions Inquiry XXXX XXXX Date of Inquiry XXXX This account is inaccurate and Im seeking ligation please delete at once XXXX. XXXX. XXXX. 15 U.S Code 1681a ( XXXX ) Exclusions Inquiry XXXX XXXX XXXX  Date of Inquiry XXXX This account is inaccurate and Im seeking ligation please delete at once XXXX. XXXX. 15 U.S Code 1681a ( XXXX ) Exclusions Inquiry XXXX... 
Date of Inquiry XXXX This account is inaccurate and Im seeking ligation please delete at once XXXX. XXXX. 15 U.S Code 1681a ( XXXX ) Exclusions Inquiry XXXX-... 
Date of Inquiry XXXX This account is inaccurate and Im seeking ligation please delete at once No one may design, compile and/or furnish any form that creates the false impression that someone other than the creditor ( for example, a debt collector ) is participating in the collection of a debt 15 USC 1692j Furnishing certain deceptive forms ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. 


Given the above, I believe these entries on my credit report may have resulted from inaccurate and fraudulent information. I request a thorough investigation into each of these items. If any of the alone mentioned items cant be validated
Product: Credit reporting or other personal consumer reports

none of these companies possess a copy of my identification, nor have they acknowledged receiving one to the best of my knowledge. It raises a significant concern that these accounts were furnished without proper verification of the account holder 's identity. I did not personally initiate the opening of any of these accounts in a branch or elsewhere. Whatever form of identification was submitted in relation to these accounts does not accurately represent my identity. I am left wondering why these discrepancies are being associated with my name and affecting my credit profile. 

the accounts in question are as follows THESE WERE ALL FRAUDULANTLY OPENED ACCOUNTS AND I NEED THE INFORMATION I REQUESTED WHICH IS REQUIRED BY LAW MY IDENTIFICATION MY SIGNATURE SENDING ME A ACCOUNT WHICH WAS FRAUDULANTLY OPENED AND SAYING IT WAS MAKIGN PAYMENTS DOESNT PROVE LEGITAMACY IF THEY MY IDENTITY WAS STOLEN/ COMPROMISED THIS IS OBVIOUSLY SMOEONE PRETENDING TO BE ME XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Balance {$4700.00} XXXX. XXXXXXXX XXXX XXXXXXXX Date opened XX/XX/XXXX XXXX. XXXX XXXX Account number XXXX Date opened XX/XX/XXXX XXXX. XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX XXXX. XXXX XXXX Account number Date opened XX/XX/XXXX I am writing to express my deep concern regarding the investigation conducted by your agency, as well as the ongoing issue with certain accounts on my credit report. 

At the time these accounts were opened, it is my understanding that my identification was not provided, and there was no evidence of my signature or consent to open these accounts. To clarify, my uncle XXXX XXXX had opened these accounts in my name without my consent. Regrettably, upon his passing, I have discovered that my identity was compromised, and he had been using my name for various financial services, including cable, bank, and credit card accounts, as well as cell phone services. This revelation has shed light on why these accounts have been maintained under my name, even though I had no involvement in their establishment. 

I would like to emphasize that I was unable to engage in any financial transactions or manage such accounts between XXXX and XXXX, due to personal circumstances that I would rather not discuss in detail. but for the important part i was not in the country Your attention to this matter is greatly appreciated, and I look forward to a swift resolution.
Product: Payday loan, title loan, personal loan, or advance loan

In XXXX of XXXX I opened an account with XXXX for a title loan on my vehicle ( roughly {$10000.00} ). The fee schedule was explained to me loosely and never once was I told that with late payments the balance on said loan would increase and no difference would actually be made on total owed AFTER payments are made. In XXXX of XXXX I called to get a payoff quote and found the amount has not changed, additional months had been added to the end of my agreed upon extensions, and that there was no end in sight to actually pay it off. Loanmart charges near 100 % interest which I believe is illegal. They got almost {$20000.00} for my {$10000.00} loan in 2 years, and still quickly repossessed the vehicle once payments were behind. Not even 60 days delinquent.
Product: Payday loan, title loan, personal loan, or advance loan

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of Payments:52 Total Repayment : {$8300.00} I have made a total of 22 payments for a total of {$3500.00}. Due to an auto accident I was out of work for 4 months due to an implant I had to have in my spine. I explained this to Lendly and they said I still owed {$2900.00} in past due payments to catch up on the loan, and would put into collections if payments were not made, which they have. 

My loan was for {$2000.00}, I have paid them {$3500.00}. I feel this is a predatory loan and should not be allowed. They have hit my credit report with late payments even though I have paid almost double what I borrowed.
Product: Money transfer, virtual currency, or money service

am writing to formally express my deep concern regarding fraudulent transactions conducted via Zelle. Despite several attempts to dispute these transactions, none of my cases have been adequately reviewed or resolved. I have been informed that Zelle was unable to track the disputed funds, which raises significant concerns about their security measures. 

Reports from the Consumer Financial Protection Bureau ( CFPB ) indicate that Zelle has failed to implement the necessary protections to safeguard consumers, resulting in repeated instances of exploitation. To date, Zelle has not taken accountability for these failures, and I believe it is imperative that they be held responsible for their lack of action. 

Thank you for your attention to this urgent matter.
Product: Mortgage

My ex-wife and I refinanced our home in 2008, and I believe the appraised value of the house was inflated to get the loan approved. As a result, we have not been able to refinance since more is owed on the house than it 's worth. I have previously submitted a complaint here, but Wells Fargo did respond but could not do anything to lower the interest rate which is currently over 6.5 % I believe that I did n't include the key point that the mortgage broker that we originally used appraised the property at $ XXXX, which it never should have appraised for. Wells Fargo bought the loan, put it in their securitized mortgage portfolio and that 's where it sits. The loan is n't eligible for the government refinance programs out there because of this, and Wells does n't want to do anything to help us because they are making a ton of money. Is there any way to look at this from the appraisal perspective?
Product: Debt collection

I found out from a District Court notice that an attorney XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MD XXXX is Suing me for Debt allegedly belong to a company called XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX TX XXXX. Apparently this XXXX XXXX XXXX acquired this Debt from XXXX XXXX where I had a auto Loan from in XXXX. I had recieved one notice from this XXXX XXXX company earlier in XXXX. I had tried to call them with the Phone numbers provided and they are not valid numbers. I tried to email them from their website and recieved no response. As of this complaint filing I have had no contact with XXXX XXXX. I assumed it was a scam so I just kind of let it go until I was served a Summons for a lawsuit. I have contacted the Attorney above about this Debt allegedly now owned by XXXX, They are Trying to have a Judgement placed on me for XXXX XXXX  which is allegedly owed. I have ask the Attorney for the contact information for XXXX and they gave me the same numbers that I already had and tried and are not valid. I ask them how they contact this XXXX XXXX management and they Replied that they never spoke with anyone, only email. all this has happened in the past couple weeks. I last tried to contact XXXX on XX/XX/XXXX and I did talk to their attorney on XX/XX/XXXX and could not resolve anything. 
after further looking into XXXX XXXX XXXX XXXX I found out that just recently that the company was shut down by the Securities and Exchange Commission for fraud and that the president XXXX XXXX XXXX and others that owned collection company 's under various name where charged and being investigated. Also the Company has many XXXX  Complaints like mine. I believe that I am a victim of unfair collection practices and that I could not verify this debt with this company or even have ample time to resolve this Debt in any way shape or form. I have a court date of XX/XX/XXXX where the attorney above is asking for a judgement. I do not believe this debt is owed this company and at the least because I had no way of contacting this company that any judgement for this company should be granted. I only recieve SSI and I will never hold a regular job again due to my XXXX, and without being able to even contact this Company this is causing undue Stress. Again as of XX/XX/XXXX I still have had no contact with this company to try to resolve anything as the contact information is invalid