23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/2024, I was informed by Charles Schwab Bank that {$4800.00} had been fraudulently transferred out of my account. The funds were moved without my authorization through an internal brokerage accountone I was not aware I hadand then wired to a XXXX  XXXX XXXX account. 

I immediately reported this to Schwab, and they acknowledged the fraud and began an investigation. However, despite repeated requests for updates and provisional credit, Schwab has delayed action for 11 calendar days. Representatives, including XXXX XXXX, XXXX XXXX, and XXXX XXXX, have failed to provide any clear explanation or resolution. 

This delay has caused me severe financial hardshipI can not pay my rent, which is due in 3 days, and I have missed bill payments, resulting in a damaged credit score. I have been a loyal Schwab customer for 5 years, and their negligence in safeguarding my funds and resolving this matter has caused significant stress and uncertainty for my family.
Product: Mortgage

We closed on a mortgage for a second home on XXXX XXXX with Fulton Mortgage. Information in the closing documents is inaccurate. 
( 1 ). Closing documents said first payment would be due on XX/XX/XXXX for {$970.00}. We received a billing statement for payment on XXXX XXXX for {$1200.00}. 
( 2 ) .The Closing Disclosure says that our property taxes are included in the escrow. They were not. We have already had to make a separate property tax payment {$1300.00}. 
( 3 ). There is a document in our closing packet titled ARM Construction/Permanent Mortgage with Conversion Option that explains the process of converting our ARM to a permanent fixed rate. When I asked our loan officer about it, he said that they don't offer that option. 

I have spoken to the loan officer. He couldn't explain the discrepancies in payment dates. He told me to call the phone number in the closing documents. I have called twice ( first call was over a month ago, second call was last week ) and spoken to two different people that took my information and said that someone will be in contact with us. They have not been in contact with us. The loan officer has responded to calls and emails, but his response is that he doesn't know why that paper was in the closing documents because they do not offer that option.
Product: Credit reporting, credit repair services, 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 items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$60.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$330.00} XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

Dear XXXX, I am writing to you based on the recommendation of Ally customer service department regarding my credit rating and account with their company. I have been a loyal customer of Ally Financial Inc for many years, specifically since XX/XX/2020. Throughout our XXXX and XXXX business relationship, I have consistently adhered to the terms of our account agreement and fulfilled all payment obligations. I want to express my gratitude for the excellent service they have provided. 

To my surprise, I recently received an alert from my credit monitoring company informing me that I was 30 days late on a payment of {$290.00}, of which I had no prior knowledge. This oversight has had a significant negative impact on my credit rating, causing it to decrease by XXXX points. Recognizing the importance of our account, I immediately made the payment of {$290.00}. I sincerely apologize for this error and oversight, as it is not consistent with my impeccable payment history with their company. I have always made timely payments and fulfilled my obligations without any delays. 

The only plausible explanation I can think of for this mix-up is the transition period between the maturity of the previous XXXX and the extension of the current XXXX. However, regardless of any financial obligations that need to be met, I am committed to honoring them and continuing to make payments as agreed. 

I am truly grateful for the years of positive credit history I have built with their company. However, the recent late payment mark on my credit reports is causing me significant distress. I have plans to keep the vehicle and finance the remaining balance of the maturing lease with Ally 's institution, as well as to purchase a house. Unfortunately, this negative mark will adversely affect my chances of obtaining favorable rates and terms. 

This is where my " Goodwill Request '' becomes relevant. I am in desperate need of restoring my credit rating to its previous positive position prior to this oversight. I would greatly appreciate it if Ally could please complete a UDF ( XXXX XXXX XXXX ) and fax it to the credit bureaus as a " Goodwill Adjustment '' to have the XXXX late payment entry deleted and removed. Alternatively, you may send me the necessary correspondence, and I will personally forward it to the credit agencies to avoid any inconvenience to your company. It would also be helpful to have a copy of this correspondence for my records. Please let me know whichever option is most convenient for your company. 

The credit bureaus have informed me that they will act in accordance with your instructions, but they require written confirmation. I humbly request your assistance in this matter, taking into consideration my longstanding positive account history of XXXX  months with Ally financial company. Your attention and consideration will be greatly appreciated. 

Kind regards, XXXX XXXX and XXXX XXXX XXXX
Product: Mortgage

I have been trying to make mortgage payment with Loancare servicing for several days and not able to do so due to massive breach in the system. I have not been updated and still waiting update to make payment and make sure mortgage is not late and current.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN IS ALLOWING AN AGENT OF A DEBT COLLECTOR /BUYER TO BECOME A SUBSCRIBER AND CREATE A COLLECTION ACCOUNT BY CHANGING THE DEBT AMOUNT BY XXXX DOLLAR AND CHANGING THE NAME ON THE ACCOUNT TO THE AGENTS NAME BECAUSE EXPERIAN HAD PREVIOUSLY DELETED THE DEBT COLLECTOR/DEBT BUYERS ACCOUNT FROM MY FILE. 
THE ACCOUNT REPORTING ON MY FILE IS XXXX XXXX, ACCT NO XXXX.THIS SAME DEBT WAS DELETED AS XXXX XXXX, ACCT NO. 
XXXX. 
THE ORIGINAL CREDITOR IS XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/1992 This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the TransUnion 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 loans, and leases from XXXX XXXX with a balance of {$33000.00}. Please block and DELETE this fraudulent and accurate account. 

These accounts have resulted in fraudulent activity happening on my consumer XXXX credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned account as reported. The aforementioned accounts appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # These accounts have resulted in fraudulent transactions appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, or hard inquiries as reported. The aforementioned accounts, on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX from FTC as proof from the US Federal Trade Commission that all of the aforementioned consumer are the result of identity theft and fraud. complaint number XXXX from FTC report as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, are the result of identity theft and fraud.
Product: Mortgage

Please see attachments. 

Reference : XXXX XXXX Acct # XXXX XX/XX/2022 Late Charges To Whom This May Concern : I was accessed a late fee of {$42.00} for my XX/XX/2022 mortgage payment. 

Ever since Carrington began servicing my home loan, I have paid my monthly mortgage via my bank Bill Pay feature ( see attached ). 

Both XX/XX/XXXX and XXXX fell on a weekend, outside banking business days ; XX/XX/XXXX was a Saturday and XX/XX/XXXX was a Sunday. 

Per my XX/XX/2022 statement Carrington stated Late charge full payment not received by XX/XX/2022 which was a Sunday. Neither Carrington nor my bank, XXXX, does business on a Sunday ; business days are Monday Friday. Furthermore, I made my online payment via my bank Bill Pay prior to XX/XX/XXXX. 

This never happened to me when I was with XXXX Mortgage for over 11 years. In addition, I found the below regarding mortgage payments when the due date falls on the weekend or on a federal holiday. 

All payments are effective dated for the scheduled date of the draft. For example, if you schedule a payment for the XXXX and the XXXX falls on a weekend or holiday the payment will be withdrawn the next business day. The payment will be effective dated back to the XXXX and a late fee will not be charged. 

If an online payment is scheduled on a weekend or bank holiday, the payment will be withdrawn on the next business day. All payments are effective dated for the scheduled date of the draft. For example, if you schedule a payment for the XXXX and the XXXX falls on a weekend or holiday the payment will be withdrawn the next business day. The payment will be effective dated back to the XXXX and a late fee will not be charged. 

Please explain why I was charged a late fee because my payment wasnt received by Sunday XX/XX/XXXX. I do not understand. 


Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Acct # XXXX
Product: Mortgage

A couple of years ago our mortgage loan was sold/transferred to Shellpoint Mortgage Servicing which is now NewRez/Shellpoint Mtg Servicing ( sister companies ). We have a VA - ARM loan ( 3.250 %  currently ). In the last few years our payments have gone up {$300.00}. Because of the current pandemic interest rates have gone down significantly ( 2.25 % ). Due to more difficult times, financially, we sought assistance to refinance our loan to decrease our monthly payment to ( at least ) our original rate of 2.75 % or better. Our credit is not perfect but we would have been able to decrease our payments by {$300.00} via streamline loan since they already have our original mortgage and information. We would not have to re-qualify for a new loan all over again. It would have been easy to streamline our loan. We spoke to several loan officers and they advised the same. So we reached out to NewRez and received an email from loan advisor. We communicated with him about our interest in refinancing. He was willing to work with us to get it done until he discovered that his company NewRez does not have the license to do loans here in Hawaii even if they acquired our loan. We asked him if that was even legal to do what they are doing where they were not licensed. He has also informed us that because his company does not have the license to do loans in Hawaii means he is also not licensed to do loans in Hawaii. So instead of getting some assistance, we have to call other lenders and see who will be able to help us. NewRez has no time frame as to when they will be able to get their license. Im sure there are a lot of customers here in Hawaii who have loans with them, but yet they are not licensed to do loans here and theirs customers are probably unaware of this lenders ' situation. I will attach the emails between myself and the loan officer from NewRez/Shellpoint. Thank you for your attention to this matter that would make such a difference to us.
Product: Credit card or prepaid card

I had an interest only promotion from XXXX XXXX/Commenity Bank. 
I called for a loan payoff prior to term ending and paid on XX/XX/XXXX the payoff of XXXX. 

All of my payments were made for XXXX. 

They charged {$400.00} dollars for interest after the payoff. Continue to charge interest and late fees on the incorrectly charged interest in the first place. I have called 3 times and told they will never remove the interest fee applied post the payoff receipt on XX/XX/XXXX. All fees have been incurred since then. I have had this card for years and rarely use and now they are reporting 30, 60 days late on my credit report via XXXX and the other agencies as well. 
I did not use an actual card for this charge they processed electronically. The company will not provide me with the account number only my statement has the last 4 digits.
Product: Vehicle loan or lease

Santader Consumer USA double charged me for the month of XX/XX/year>, so I disputed the double charge with my bank. Now Santander Consumer USA is claiming I am past due on my car note. I have bank records showing the double charge and have sent this to them, but they are still giving me the run around saying they do not see the payments for XXXX.
Product: Credit reporting or other personal consumer reports

I'm in the process of opening up a XXXX XXXX company so i sent off for my reports to make sure my credit is ok. I looked at my credit report on XX/XX/2024, and noticed some things are incomplete and not accurate. According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report is relating to. These accounts XXXX XXXX Acct # XXXX, XXXX XXXX Acct # XXXX. These accounts has violated my rights. 

Also according to 15 USC 1681e-2, A person shall not furnish any information relating to a consumer reporting agency if the person knows or has a reasonable cause to believe that the information is inaccurate.
Product: Student loan

I'm in graduate school and it is reported in studentaid.gov, the repository they should be plugged into and able to see my student status. In studentaid.gov, it shows that I'm a full time graduate student, despite this fact, EdFinancial has still begun charging me interest on my undergraduate loans and said I owe payments. As you well know, undergraduate loans should be deferred until I'm graduated. 

Despite all this, EdFinancial is impossible to reach via phone. I've called 4-5 times, I've emailed several times and I have been completely ignored. I'm getting very discouraged as this almost seems like an illegal racket as my loans are accruing interest while I'm not working and I can't reach anyone to dispute or fix this issue. I'm so frustrated and discouraged.
Product: Mortgage

On XX/XX/XXXX I started a process to refinance my home with my mortgage lender XXXX XXXX XXXX XXXX. This lender i have since XXXX. I bought a property located in XXXX KY. This property had two adjacent lots in conjunction with the house. 
one at each side of the property. I paid a realty attorney to have partial release of those lots with their own deeds and this process was completed in XXXX. On XXXX we decided to refinance the home and get some cash out for home improvements. XXXX XXXX did the process and sent an appraisal person to appraise the property. We had the loan approved, we contacted XXXX XXXX they said everything was approved and the agent told us that the property was appraised as a whole with the lots included, to our surprise because we never talked about including the lots. She stated that in the past we mentioned to them that we were paying taxes at the end of the year and the property was taxes were not included in the escrow account now they fixed it and included lots and house in one account that way taxes were included in the escrow account. We then accepted that decision without much information or clarification from them and without knowing consequences. Three months ago we needed to sell one of the lots due to financial problems to find out that we were not able to sell due to the lots being included in the loan. After we paid to do process four years ago now XXXX XXXX said they can not do anything because we agreed to the loan and the lots were included. They said Penny Mac our servicing loan company is supposed to do it, Penny Mac is being holding this case since XXXX to XX/XX/XXXX and we still haven't heard anything done. We need this issue resolved asap, we don't know what else to do, This is Unethical, Unprofessional and abusive from this mortgage lenders, XXXX XXXX and Penny Mac. Can any one help please?
Product: Credit reporting or other personal consumer reports

3 different amounts are being showed on my credit report with one have a XXXX balance of totaled owed. I've asked several times for the correct amount to be updated as well as thee 1099 form that they received when the property was sold.
Product: Student loan

Today, Nelnet charged an old checking account number for an automatic payment. I never signed up for automatic payments and I never gave them my checking account number.
Product: Credit reporting or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MI XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/2023 XXXX  XXXX XX/XX/2023 XXXX  XXXX  XX/XX/2023 XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/2023 XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX  XXXX XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a XXXX account with the credit bureaus for incorrect information on my credit report. I disputed inconsistencies over seven times and my credit report still does not match. On XX/XX/XXXX, I disputed the " dates of last activity '' because the dates do not match. On XX/XX/XXXX, again I disputed the " dates of last activity '' because they did not match. On XX/XX/XXXX, I disputed the " dates of last payment '' because they did not match. On XX/XX/XXXX, I sent a letter to XXXX to investigate the account, which they did not complete the investigation. On XX/XX/XXXX, I sent a violation letter to the credit bureaus for continuing to report on a closed account and failure to investigate. I would like this account immediately deleted for refusing to correct the inaccurate information.
Product: Credit reporting or other personal consumer reports

Aldous & Associates XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX I have attempted to resolve this matter directly with Aldous & Associates as well as XXXX on several occasions including these dates : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to no avail. This matter allegedly stems from a collections from XXXX from XXXX XXXXXXXX, of {$100.00} dollars, which is not accurate, I do not owe any monies. I explained this to Aldous & Associates in XXXX, but they continued to harass me. 

I even asked Aldous & Associates for the original contract naming me for collections with XXXX XXXX, but they failed to provide that information to me as requested. 

After repeated threatening calls and letters stating they would disparaged my credit, I paid their ransom and their fee, which totaled {$150.00} dollars. I was promised that this payment would resolve any issues and would not be posted on any consumer credit reporting agencies. Now my credit report with the consumer credit agencies inaccurately reflects collections harming my ability for loans, and lease agreements. 

Before reaching out to the CFPB, I tried to resolve this matter with XXXX directly through their dispute resolution process ( XX/XX/XXXX, and XX/XX/XXXX ). On both occasions XXXX did nothing to resolve this serious matter impacting my credit. 

Also, before contacting the CFPB, I filed a complaint with the XXXX all in an attempt to correct this situation in a professional matter, but to no avail. 

I did not have any collections due with XXXX XXXX, I do not have a contract with Aldous & Associates, and I never received any contract validating what they purported was true and accurate. 

All that I am asking for is that my consumer credit report with XXXX, XXXX, and XXXX be cleared of anything related to Aldous & Associates. I have patiently waited for these agencies to do the right thing since XXXX of XXXX, which is plenty of time to correct the damage they created on my credit reports. 

Thank you for your time in reviewing my complaint, and I hope you understand that my remedy is reasonable especially considering all that I have done to correct a problem I had no connections with in the first place.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX, VA XXXX < -- ( WRONG ADDRESS ) XXXX XXXX XXXX XXXX XXXX, VA XXXX < -- ( WRONG ADDRESS ). ( XXXX ) XXXX ( XXXX ) XXXX < -- ( WRONG PHONE NUMBER ). XXXX XXXX ( WRONG NAME ). XXXX XXXX XXXX XXXX Closed. {$9600.00} written off. 
XX/XX/XXXX. 
XXXX XXXX XXXX Account charged off. {$3900.00} written off. 
XX/XX/XXXX < -- - Remove all above FCRA violation, how is this verified? Inaccuracies placed on my report. FTC violation. They are also in violation of over the 45 days to settle the FTC violation by law. XXXX XXXX XXXX XXXX XXXX {$19000.00} XX/XX/XXXX < -- FCRA violation. How is this verified? Not Late. Inaccuracies placed on my report.I will enclose in my attached documents, with wrong names, addresses on my report.
Product: Student loan

I attended XXXX from XXXX to XXXX and I was paying for my tuition. I was working two jobs during that era and had no financial difficulties. XXXX official or their financial department called me up to sign in for student aid from XXXX, I told them that I do not need a loan and they told me that each student had to sign in for a loan. Since I was new in the country I did not know what all that loan process was. Nevertheless, I did sign some papers in their financial office but I had never received any money from XXXX or from any company concerning federal student loans. 
I hereby submitting this complain against this company called Navient.