23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Wells Fargo removed and withheld at least 11 months of what was originally intended and agreed to be prepaid monthly interest and principle taken by automatic payment from my bank account. The monies were applied toward advance monthly payments contrary to the intention to pay down the mortgage principle and interest. 
The monies applied to advance payment were based on a bimonthly increase above the regular XXXX. This bi-weekly payment was an increase of XXXX each bi-weekly payment. 

Due to the calendar variation, there were some months three bi-weekly payments were made in one month. 

I discovered this on XXXX when I received a letter from WF advising that my automatic payments can only pay your account ahead by one payment. I was confused and telephoned that day and was on the phone for about three hours. In that time three times the telephone call dropped and I thought it was my telephone service. Three agents advised me that my account was prepaid 11 months but also all three assured me that the principle had been paid. Each time I insisted that it was not possible that my money could show in both ledgers. Each time I advised that I never authorized advance payment of my mortgage. Each time I was told to hold on. As I listened to music, each time, the phone call dropped, hence three agents before reaching a supervisor, XXXX and finally, XXXX from the executive office. XXXX informed me that advance payments of three months could be applied and that anything in excess of that is returned to Wells Fargo investors. Both identified 11 months advance payments. XXXX agreed to open a dispute. She advised that I would receive a call on XXXX and provided number XXXX as a reference dispute number. 

I have not yet heard from their office.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violates the Customer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and addresses fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

I recently checked my credit report and noticed Debt Recovery Solutions , LLC reporting a negative mark. I called them and first representative that answered was rude and hung phone up on me. I then called back and spoke with a XXXX, who had no employer ID number, and after explaining to her that this is n't my account and most likely is a fraudulent account, she said that they will remove this from my credit report. I am writing this complaint to make sure she does what is suppose to be done and remove this negative mark from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX of 2023 I set up automatic payments to Freedom Mortgage from XXXX XXXX. 
On XX/XX/2023 the automatic payment went out on XX/XX/XXXX per my payment process. 
Freedom Mortgage reported the payment was received on XX/XX/2023. Which is XXXX day past their deadline. 
On XX/XX/XXXX I was notified through my monitoring that Freedom Mortgage has flagged me as being 30 days delinquent on the account. 
After speaking with a representative of Freedom Mortgage, I proved to them I had the documentation and that I paid it on time. 
I plead my case that there was some error with the bank, or them receiving it, I was informed since it wasn't an error specifically on Freedom Mortgage, they wouldn't be able to update my credit report. 
I am only asking for a one-day adjustment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received another dispute letter from Equifax dated XX/XX/2023. It continues to show ( page 5 of 8 ) that I have a {$59000.00} balance with the XXXX XXXX XXXX. I have contacted XXXX about this issue many, many times in the last 2 months and nothing is resolved. XXXX did not report my balance with them accurately despite what they have reported to cfpb. Please see the attached documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I PREVIOUSLY COMPLAINED ABOUT XXXX REPORTING AN INCORRECT DATE OF DELINQUENCY WITH RESPECT TO A STUDENT LOAN REPORTING ON MY CREDIT FILES ( XXXX IS REPORTING AS XXXX ON MY XXXX CREDIT FILE AND REPORTING AS XXXX ON MY EQUIFAX CREDIT FILE. THE INCORRECT DATE OF DELINQUENCY XXXX IS REPORTING IS XXXX XXXX. HOWEVER, THE CORRECT DATE OF DELINQUENCY IS XXXX XXXX. AS SUCH THE ACCOUNT SHOULD NO LONGER APPEAR ON MY CREDIT FILES. 

I RECEIVED A LETTER FROM XXXX DATED XXXX XXXX, XXXX FROM XXXX XXXX, DEPARTMENT MANAGER FOR CONSUMER COMPLAINT MANAGEMENT STATING THAT XXXX IS WAITING TO HEAR BACK FROM XXXX. IN THE LETTER XXXX XXXX STATES THAT I COULD CONTACT CONSUMER RELATIONSHIP ANALYST, XXXX XXXX. I CALLED AND LEFT SEVERAL MESSAGES FOR XXXX XXXX AND HAVE NOT RECEIVED A CALL BACK. TO DATE I HAVE NOT RECEIVED ANY FURTHER COMMUNICATION FROM XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Transunion. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Transunion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the accounts that are still reporting on my account : Charge Off XXXX XXXX XXXXXXXX XXXX {$1800.00} XXXX XXXXXXXX XXXX {$510.00} XXXX & XXXX XXXX {$8700.00} Collection XXXXXXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX {$980.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX CARD Date of inquiry XX/XX/2020 XXXX Date of inquiry XX/XX/2020
Product: Credit card or prepaid card

On XX/XX/2021, I made a purchase from XXXX  XXXX for a weight bench and a set of hand weights. The order total was {$520.00}. The order was billed to my TD Bank XXXX XXXX XXXX account in 2 charges, I suppose because these 2 items were shipped in 2 shipments. The charges were {$310.00} for the bench and {$210.00} for the weight set. In error, I was double charged {$310.00}. My card balance should be {$520.00} but the balance is {$840.00}. I have tried numerous times to resolve the issue with being overfilled by {$310.00}. However, TD Bank and XXXX  XXXX are both unwilling to help me. TD Bank tells me that I need to call XXXX XXXX and XXXX XXXX tells me that I need to contact TD Bank. Neither company will assist in resolving, they only want to refer me to the other company. During my most recent call, TD Bank was extremely rude to me and told me that they have had no record of me ever calling.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Karma said I was approved for a credit card on numerous occasions. XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I applied and was turned down each time.
Product: Credit card or prepaid card

On XX/XX/XXXX & XX/XX/2022, parts were ordered from XXXX which were NEVER RECEIVED by me, the consumer/credit card member. I reported this to the merchant who issued consequently issued RMAs. However, after merchants customer service confirmed shipping address with me, they rescinded the RMAs because they claimed my credit card found my dispute in their favor and DISCOVER forced me to pay for something I DID NOT RECEIVE even after producing a police report # XXXX. I complained several times to the Discover Executive Offices since they claim to be the consumers advocates but that was just to deceive the since they advocated for the merchant. Even XXXX, XXXX XXXX XXXX XXXX adopted dispute policies where the merchant being the shipper of merchandise purchased MUST PRODUCE SIGNED CONFIRMATION OF DELIVERY whereas DISCOVER will accept only tracking information. Discover REFUSED to acknowledge police report filed by the Consumer/Cardmember but accepted the merchants vague policies and only tracking information of delivery even though items were NEVER RECEIVED. I also disputed these charges by CERTIFIED MAIL to their BILLING DEPARTMENT as instructed by CONSUMERs BILLING DISPUTE protocol but was told both by mail and phone calls to the Billing Department & Executive Offices they WILL NOT redress nor will they amend this billing error and do the chargeback.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
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 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 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon starting a dispute for incorrect personal information maybe ( someone else 's name ), an update was made and other names were changed to be mine and upon contacting the credit reporter, I was told that those names are reported by creditors that I've never entered business with. This is extremely concerning as they are now falsely reporting on my consumer report. The addresses of these other name variations were removed but they illegally updated those names to show as my name. I will attach my driver 's license to show proof of my identity and residence, just as I did for the reporting agency " experian ''. I asked specifically for my one true and correct name and address to be displayed and all other variations and inaccuracies to be removed. By law, this is what needs to be done. Changing other names to reflect as mine " because '' they are attached to accounts is illegal and unethical. Please ask them do their job. Correctly and follow the law as I have to follow the law.
Product: Mortgage

additional new detail on complaint XXXX XX/XX/2023 had an escrow refund check issued by Loancare to Property owner in the amout of XXXX as in original complaint. 

On XX/XX/2023 Loancare executed a refer to maker notice to XXXX my personal bank on the above check. 

Loancare did not notify me in any manner and Ionly found out when bank called to explain. 

Called Loancare and multiple people had no knowledge or information regarding the above transaction. 

This {$11000.00} is escrow monies and should at least be in the Loancare escrow account or applied to delinquent property taxes. 

As of XX/XX/2023 this money has not been accounted for in any manner by Loancare, taxes and penalties remain unpaid, and Loancare escrow account does not reflect the above check amount being deposited in escrow account, and Loancare personnel do not have any information to clarify.
Product: Credit reporting or other personal consumer reports

I am writing to issue formal dispute under the Fair Credit Reporting Act, 15 U.S.C 1681, regarding multiple unauthorized and inaccurate accounts 15 accounts to be exact appearing on my credit report. These accounts were unlawfully compromised due to a data breach that reflects your gross negligence in safeguarding sensitive consumer information. These accounts are as following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 These accounts have been fraudulently accessed or inaccurately reported due to your failure to uphold the security of consumers data as mandated by 15 USC 1681 e ( b ) which requires credit reporting agencies to use reasonable procedures to ensure maximum possible accuracy of the information they report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 

This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected
Product: Credit card or prepaid card

On XX/XX/2018, I received a fraud alert text on my Citibank credit card. I immediately contacted the company and indicated the attempted purchase was not being made by me or my husband. At that time, I learned that there were three other charges that were not made by me or my husband : 1 ) a charge at XXXX 's in the amount of {$500.00} ( XX/XX/18 ), 2 ) a charge at XXXX 's in the amount of {$500.00} ( XX/XX/18 ), and 3 ) a charge at XXXX XXXX XXXX for {$1.00} ( XX/XX/18 ). These charges were initially credited back to my account. 
I was later questioned about whether or not I had possession of the credit card ( it was actually my husband 's card, but he was never contacted about this incident ). I initially indicated the card was in his possession at the time the fraudulent charges were made. I later learned this was incorrect. It took a couple of weeks for my husband and I to realize that on the same day the first fraudulent charges appeared ( XX/XX/18 ), someone broke into my husband 's locked gym locker at XXXX XXXX XXXX, damaging the lock in the process ( the lock was still on his locker after his workout, it was just so badly damaged it no longer functioned and the gym personnel had to cut it off ). His wallet and all his other items were still in the locker and he did not notice his Citibank credit card was the only item taken from the back of his wallet ( we rarely use this card ; the last time he had used it for a purchase was XX/XX/2018 ). 
The company 's initial finding on XX/XX/2018, was that my husband was in possession of the card at the time the charges were made and therefore, we were responsible. Since this initial determination, I have contacted the company by phone on XX/XX/2018, XX/XX/2018, and XX/XX/2018 providing additional information to include two police reports filed in XXXX XXXX, Texas ( where the card was stolen ), and XXXX XXXX, Texas ( where the fraudulent charges occurred ). 
Lastly, on XX/XX/2018, I provided written correspondence including sworn affidavits from me and my husband, time cards from my husband 's work ( indicating he could not have made some of the charges because he was at work when they occurred ), text messages ( showing the date someone broke into his gym locker ), and phone records. I sent two copies of this package -- one to customer service and one to security service -- neither department has responded to or even acknowledged my correspondence ( tracking information indicates these packages were received on XX/XX/2108 ). 
I am seeking to have these fraudulent charges credited back to my account.
Product: Debt collection

I started receiving telephone calls on my cell phone all through out the day with regards to a debt which I do not owe. I have requested validation and to discontinue contact. I continue to receive telephone calls from IQ Data International, regardless of the continued request to not contact me. Additionally, I have sent them a validation request in writing and they have not done so, however, have marked my credit report as disputed. I am being bullied by this company, despite continued request to send me any information that states that I owe them money. It has been almost two months since I have requested the information.
Product: Debt collection

My employer received a garnishment if my wages and notified me, Ive never received nitice if anything, I called the XXXX Kansas court clerk and she advised me it was a XX/XX/XXXX case number, the company XXXX, XXXX HAS NOT BEEN IN BUSINESS SINCE XX/XX/XXXX per Kansas Secretary of State,  it is addressed to me at an address in XXXX, KS, Ive never lived in XXXX, KS, Ive tried calling the attorney that is on the notice sent to my employer and all I get is voicemail, no live person. My dispute is I have no idea what this is, Ive never received notice of a Judgement filed against me, its from XX/XX/XXXX and they are trying to garnish my paycheck for a XX/XX/XXXX Debt I know nothing about