23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We sold our home on XX/XX/2020. We have a settlement statement in hand and have confirmed that it is recorded with the county. Lakeview Loan Servicing received the payoff. But our credit reports show that, in spite of the loan being closed and paid in full, our " current payment status '' is not in good standing and is " 90-119 days past due, refuse to pay. '' This shows on our credit report in payment history during XXXX of 2020. That is after we sold our house and should not have had any payment information to report from Lakeview Loan Servicing. We are business owners and this has negatively impacted our ability to finance and operate within our company. We have tried reaching an agent at Lakeview, but they have a fully automated phone service. We have tried every option in their automated system to reach a real person and can not get through. I logged into my account in their system and they don't offer any ways of reconciling this other than their contact us page. No portal for disputes or complaints. Someone made an error that is having a major impact on my life and I can't find a way to hold them accountable or get them to fix it.
Product: Mortgage

To Whom, First I tried to just get my taxes and Ins turned back to me denied tried to do a refinance with XXXX got taken for XXXX to find out my house has dropped another XXXX since XXXX and no refinance done but I owe XXXX more than what my house is worth now. Tried to get help through my mortgage denied again and they are trying to charge me for fees at XXXX I have not paid and do n't need to pay they said they where going to take it off but never did talked to them till blue in the face but kept and still getting the mortgage payment on time for now its is hard to do at times but find a way by selling things I have worked hard for. First Key denied me they say I have a Senior mortgage attached to me since XXXX XXXX by XXXX XXXX I have never known of a senior mortgage I do n't owe this at all but I have talked to XXXX they told me to get with XXXX I did they said they take care of it but did not solve the problem. I have no equity in my house now and ca n't afford to to repairs needed done some as I slowing find the way to get money together. First key mortgage have had during the time trying to get help through them got a few calls from there customer service with like threaten action for my payment for they said they have not receive my payment this is 3 days after and after arguing with them to check again for I have made the payment on or before the due date plus Im suppose to have 16 days after but not with them. What can be done I have great credit and work hard to pay my bills with not much left for gas and food. I need a little help with this problem thanks
Product: Checking or savings account

I made a business pay check deposit into my personal account through the XXXX app. I got a notification that due to fraud protection my funds would to be held for more than 24 hours which it would be released from XX/XX/year> to XX/XX/XXXX. I contacted XXXX and XXXX was unable to verify funds in the account that the check is drawn from and I am liable to wait for the bank to do their due diligence. As far as I know, it is illegal to issue a bad check and where the check comes from, which is a well and stablished business, for almost a year that I worked for them I had no problem. My name is XXXX XXXX XXXX Account # XXXX XXXX XXXX
Product: Debt collection

XXXX of 2021 took me to court in Alabama for a debt from Ohio. And then never provided the necessary documentation nor paperwork where payment were to go to. Lawyers quit in the middle of the case
Product: Debt collection

On XX/XX/XXXX someone used my name and home phone ( land line ), a fake XXXX email address, along with the address of a hotel a couple of miles away to open a lease agreement with XXXX XXXX XXXX to lease a XXXX XXXX XXXX inch laptop. I believe this was purchased through XXXX. 
In XXXX of XXXX I received a letter from Unifin , Inc. saying I had a debt of {$540.00}. I thought this was a scam and ignored it. In XX/XX/XXXX I started receiving phone calls and began to dispute this debt. 
On XX/XX/XXXX I called Unifin and found out that it was difficult to talk with them because they said my SS # did not match what they had and could not speak with me. 
I have been in contact with XXXX XXXX XXXX and they have since sent me a letter back saying that I am " the responsible party for the account ''. 
I have filed a police report and am trying to get this removed from my credit report as it is bringing it down. I have also contact the Consumer Protection Division of North Carolina since I have read that XXXX XXXX XXXX had been charged with fraud and was hoping there was another way around this issue. They responded by saying I need to contact the District Attorney 's office ( I will do this after finishing this ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed a fraudulent charge on my credits reports in the amount of {$510.00}. Please be advised that I am not aware of this charge nor did I give any consent to anyone to charge or use my account. I am currently trying to refinance my place and this is affecting my scores. I would greatly appreciate it if this charge can be moved out of my report right away. 

Thank you for your attention towards this urgent matter
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  {$0.00} - - -No Data Dispute Account Information Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone Phone number not available Date Opened XX/XX/2015 In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have perfect credit and was recently denied credit because of inquiries on my credit report. So I checked my XXXX XXXX  and noticed that I still had some inquiries on my report that TransUnion said was already taken off. They told me the steps they wanted me to go through and I did. I sent them the documents they requested & it still has not been taken care of. I don't know what else to do
Product: Student loan

I called to ask questions about the programs and was told that I had to be a student to get the information. I asked if it was a good program and the rep said that University XXXX XXXX has a contract or affiliation with the government for XXXX XXXX XXXX students. The graduation rate is over 85 %. Because I am low-income, I would not have to pay back the loan, unless I graduated with a diploma in my field. My starting salary would be over {$40000.00}. I also was told that I could cancel the contract after 30 days. The contract had to be signed that day. The contract was emailed to me at XXXX. I printed it, signed it and took it to the library to fax it. I was never able to cancel the contract. I filed a complaint against XXXX and Navient. XXXX finally sent me a copy of the contract. The contract XXXX sent had no signature, date of birth, driver 's license number and had the wrong email address. Navient had the lawsuit dismissed XX/XX/2018 for jurisdiction (? ) I couldn't really understand it. I only signed one contract, there are 7 loans. I don't know what else to do. I am still low-income and have no way to pay this loan back. I am a XXXX, on medicaid and section 8.I would like to try to make my life better but this loan is more than I can handle.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've been a victim of fraud on 2 occasionXXXX on my credit report. One is from XXXX XXXX on XXXX XXXX, XXXX. The one is Chase Card inquiry on XXXX XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has added an account to my credit report that is not mine. The business which reported the incorrect information did not contact me to verify that the debit was mine. XXXX XXXX reported this to Transunion. Credit bureaus are required by law to validate and verify any information that is being added to my account. Transunion did not do what they are legally required.
Product: Checking or savings account

On XX/XX/XXXX I noticed that XXXX dollars were withdrawn from my XXXX business account to USAA account. I had the accounts linked to make it easier to pay bills. However, when I reported this situation to USAA they told me they were going to investigate. They did not offer to freeze that account. The next day I saw another attempt to withdraw XXXX from my XXXX business account. I called USAA, but I also called XXXX. XXXX froze my account and put a stop to the transaction. According to XXXX, USAA confirmed being fraud. USAA when I called them about the XXXX withdrawal, they stated they were going to investigate and freeze my account. I did not have any access to it. A week later, I called the bank and they told me my money was bank in my account, which it was for a day. Then the following day I had a negative XXXX. I called many many times, spoke to the CEO relation department to be informed that the fraud was my fault. That I allowed someone to have access to my account. I challenged them by asking, " why would I still from myself ... .that does not make sense ''. Now my accounts have been closed with USAA and they never resolved my problem... .it shows that I have a negative XXXX dollars. I need help please...
Product: Credit reporting, credit repair services, or other personal consumer reports

We stayed at XXXX XXXX by XXXX hotels last XX/XX/21. It is part of their scheme to have the visitors to attend one of their seminars for 1 hour they said but it took us 5 hours. At the same date as above, they offered a timeshare and with our consent we agreed to have our credits checked and just to see where we at. We provided our information and signed some consents that they will just use our information to see our current APR for timeshare. We we're there for XXXX hours because many of the agents goes back and forth to all the visitors/attendees trying to convince us to take a timeshare. We straight up told them we are just inquiring and just curious and not really planning to get one at least for the time being. All the agents look so XXXX and annoyed. They we're not very professional and kind of forcing us to sign but we never did. 1 month after, I received a letter that I opened XXXX NEW CREDIT CARDS FROM XXXX. The first XXXX is from XXXX XXXX XXXX with a credit limit of {$1600.00} and the second one is from Comenity Capital Bank XXXX XXXX XXXX for a credit limit of {$5000.00}. Attached pictures are the evidences and the dates when they opened a credit card for us. 

It was never agreed that I will open any credit cards under them. And I never consented them to use my information specially my Social Security to XXXX and Comenity XXXX XXXX. This also hard hitted my credit score and also my wife 's because they actually attempted to open a credit card to my with XXXX too.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following INQUIRIES. Block and remove it. 
XXXX Inquiry Date XX/XX/scrub>XXXX XXXX XXXX Inquiry Date XX/XX/year>XXXX XXXX XXXX XXXX Inquiry Date XX/XX/year>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/year>
Product: Debt collection

I checked by personal account and my husbands joint account that I have with him and both accounts are frozen. 
I was unaware that I had a default judgment and they are freezing my accounts saying that they are attempting to collect a debt that I was not aware of that Is over XXXX. My husband is now behind on car note and our house payment plus return fees due to them freezing account while bills were being drafted out of account. My child also gets social security and this is definitely a hardship on my family with them doing me like this and I was unaware of Everything. It states portfolio recovery bought debt from XXXX XXXXXXXX but I have only been with XXXX XXXXXXXX since late XXXX  so I dont know what theyre garnishing/freezing my funds for. 
When I contacted them ( portfolio recovery ) they basically said itll be frozen until my bank sends them the documents requested but how am I supposed to provide for my kids with accounts frozen.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX, # XXXX XXXX, # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

As a consumer protected under the Fair Credit Reporting Act ( FCRA ), specifically under Section 15 USC 1681, to bring to your attention inaccuracies present in my credit report. Upon reviewing my credit report dated XX/XX/XXXX, I have identified several instances of inaccurate personal information that require immediate correction : Outdated and Inaccurate Information : Unauthorized & Unrecognized Credit Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX Bank - XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Additionally, the report includes outdated information such as old addresses, phone numbers, misspelled names and inaccurate personal information which is no longer relevant to my current financial standing. As per the FCRA, it is my right to ensure that the information contained within my credit report is accurate and up-to-date. Section 15 USC 1681 mandates that consumer reporting agencies, such as yours, maintain reasonable procedures to ensure maximum possible accuracy in the preparation of consumer reports.
Product: Credit reporting or other personal consumer reports

I have been trying since XXXX to get into Equifax credit bureau. I have had an account and now can't access it. The last response from here is that my registration wasn't completed. Yes it was I don't need another account I need access to the one I had before! Open my account back up!
Product: Credit reporting, credit repair services, or other personal consumer reports

remove the ftc violation on ftc report
Product: Debt collection

I got a phone call on XXXX of XX/XX/XXXX from Portfolio Recovery Associates , Inc. 
They know my personal data and SSN number and told me that there are depts on my name {$79000.00} and {$20000.00}. 
And somebody took these debts in XXXX. 

We just arrived to the USA on XXXX of XX/XX/XXXX and the last time I was here in XXXX as a XXXX student. So I could not take debts physically.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Account Name XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX : XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/22 Company informed me it would take up to 30 days today is XX/XX/22 and I have yet to receive a response I demand all accounts be Deleted from consumer report company has not provided me with any written instructions from I the consumer in fact giving Experian permission to furnish any of the listed accounts I must remind Experian that congress has made it very clear in 15 USC 1681 that " The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. '' so if Experian wishes to continue to act unlawful I will be forced to submit a complaint with the attorney general and seek legal counsel for damages caused I'm hoping Experian does the right thing and act in Good Faith as I want nothing more than to have an honorable outcome furthermore In accordance with the Fair Credit Reporting act 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit which highlights significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, both my financial institution and Zelle have failed to adequately investigate my claims. They have informed me that recovering lost funds is impossible and that tracking these transactions is unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Money transfer, virtual currency, or money service

Hi this is about my paypal account being limited email for that account is XXXX And im trying to get my money the amount is XXXXXXXX XXXX can you guys let me withdraw it please
Product: Credit reporting or other personal consumer reports

I am contacting you to dispute fraudulent items on my credit report, which I believe have been added illegally. Pursuant to 15 U.S.C. 1681c-2, I am requesting that these inaccurate items be blocked promptly. Attached is a copy of my Police Report/FTC Identity Theft Report Number XXXX, which provides the evidence of clearly fraudulent credit reporting. Under the provisions of 15 U.S.C. 1681c-2, once an identity theft report has been submitted, consumer reporting agencies are required to block the disputed information within four business days. The following entries on my credit report are associated with this identity theft and must be blocked.

I am writing to certify to you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. 

In addition, I request the immediate removal of the following fraudulent ACCOUNTS AND INQUIRIES from my credit report with transunion : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

I received a XXXX XXXX  deposited to my account and the deposit check did not have my name on it only my business. They closed my account, they said the funds were seized by XXXX. Its been over 4 years now I have yet to got any response back from bank, XXXX, or XXXX about my funds in which I still owe for and cant get any business credit or business grants because of this loan. This is ridiculous
Product: Student loan

When attempting to make an advance payment to reduce debt more quickly than required, NelNet applies the overpayment to all of my loans proportionally, rather than providing me an option of which loan to apply the payment to or automatically applying the payment to my highest interest rate loans. The net result is that I am unable to pay down the balance of specific ( higher interest ) balances and NelNet then charges me a higher, blended effective rate. Since this is a function of their portal, they 've clearly specifically designed their tool to deny consumers the ability to pay higher interest rate loans off faster than their lower interest rates.
Product: Credit reporting or other personal consumer reports

I've fallen prey to identity theft, and it's perplexing that only XXXX has removed the following fraudulent accounts. XXXX {$780.00}. XXXX {$5000.00}. Department of Education {$630.00}. Despite numerous attempts to validate the debt, both Experian and XXXX have neglected to do so. My XXXX credit score stands at XXXX, but Experian and XXXX are unfairly damaging my character and hindering my ability to lead a decent life by inaccurately reporting these accounts without evidence of my ownership.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX a dispute letter was sent on my behalf to XXXX XXXX Bank, and the three major credit bureaus ( Transunion, XXXX XXXX XXXX with the intention of opening an investigation hoping to be provided with some form of written agreement stating that this account in fact belongs to me. As this account opened in XXXX of 2019 with a credit limit of XXXX XXXX appears on my credit file as a charge-off. I have no knowledge of this account, and after the conclusion of the investigation no proof was provided to me proving otherwise although my account has been updated. It is my understanding that if proof can not be provided, the account should not and can not be reported according to the law on my credit file.