23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Seterus is providing incorrect information regarding my mortgage and the dispute that occurred with my mortgage. They are stating that as they received the mortgage that the account was past due but in fact it was not. If look at the XXXX XXXX XXXX entry, they state I was only 30 days late prior to the transfer which was also incorrect because XXXX actually transferred my final payment or two to Seterus which records should clearly show. Even if that transfer did not occur, you can't go from 30 days late to 180 days late in 60 days which should be pretty obvious. 

In reality Seterus should remove this entry altogether although I am guessing that will need to be settled in court because all of this happened due to XXXX XXXX XXXX 's failures in servicing which Seterus then supported and also failed to resolve, except oddly, their attorney 's who filed the foreclosure did make the corrections indicating Seterus knows the issues were valid in my favor, they still did nothing, they know the 'claims ' and now representations are false ... Seterus also failed to provide initial and required servicing documentation ( they sent it four months later back dated ) and really all they were great at was harassment and threats.
Product: Credit reporting or other personal consumer reports

I appreciate your time to REMOVED some of the items in my file that resulted from an erroneous credit report entry but I have an ITEMS left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT # XXXX. Ive already included this report in a previous letter & FTC, and I am including it again with a new FTC. Ive informed my attorney of my intentions & they are excited to hold you accountable in case of your willful noncompliance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please note that you have 4 business days to remove the reporting of any items in my credit file that resulted from an erroneous credit report entry. I do not consent to E-OSCAR or any means of automated verification. I acknowledge your immediate attention to this matter and response within 4 business days.
Product: Debt collection

Initially contacted by XXXX XXXX XXXX XXXX ( address follows ) via letter through the XXXX dated XX/XX/2023. They are trying to collect from a PayPal account that is not mine. I have never had a PayPal account nor is the email account referenced is not mine nor ever has been. 

I responded to their letter ( see XXXX XXXX XXXX XXXX letter dated XX/XX/2023 ) that I filled out the bottom of the form and mailed it back to them within XXXX days. ( see enclosures ) I received another letter from XXXX XXXX XXXX XXXX dated XXXX XX/XX/2023 with information from PayPal a list of XXXX transactions that were listed as either " Chargeback for '' and " Dispute Fee ''. Each had their own email addresses, again, none that are related to me. 

I have sent a letter to both PayPal and XXXX XXXX XXXX XXXX requesting them to discontinue further efforts to collect this invalid debt. This is a very distressing situation as I have never had this happen before. 

I have sent another letter to both XXXX XXXX XXXX XXXX and PayPal denying the account was mine following the FDCPA dated XX/XX/2023 ( enclosed ). 

Your assistance is greatly appreciated to coordinate closure of this issue. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX NY XXXX PayPal XXXX XXXX XXXX XXXX, MD XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the XXXXCredit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

There was a hard inquiry on my credit report that I didnt recognize. Disputed with Experian as well as XXXX. Inquiry is being reviewed by Experian and XXXX is in the process of canceling the inquiry as well.
Product: Checking or savings account

U.S BANK WILL NOT LET ME WITHDRAW THE FUNDS IN MY ACCOUNT ( {$1400.00} ) REGARDING DISPUTES ( PROVISIONAL CREDIT ). I NEED THESE FUNDS FOR BILLS EMERGENCY.
Product: Credit reporting, credit repair services, or other personal consumer reports

This issue cause my credit to take a dive with XXXX  transactions. I could not understand why my score was so low. I just paid of a home through a sell. XXXX is causing my stress and grief with purchasing a place to live. They reported incorrect information of 30 and 60 day late payment for the month of XXXX was not received. I provided the proof they needed and my credit file has jet to be corrected. Last status is its being worked. I have not received any notification of the process. I missed only the month of XXXX, and paid what I though was XXXX on time but was for XXXX all cleared up in XXXX. I continue to suffer having received 30 day late in XX/XX/2019. I've since contacted my banking institution and provided the transaction trace number for them to verify and correct my account and Credit ASAP
Product: Checking or savings account

At the end of XXXX, I opened a SoFi bank account with a {$75.00} welcome member bonus. I had to " download the all-in-one app, set up direct deposit, and BOOM, get another {$75.00}. '' I downloaded the app and set up direct deposit. My company direct deposited {$500.00} on XX/XX/XXXX. Two months later, I still had not received the welcome member bonus. On XX/XX/XXXX, I contacted SoFi to request the bonus. In one day, BOOM, XXXX responded that I had not qualified because their offer " requires two direct deposits. '' However, the offer attached for the welcoming member bonus specifically states to " set up direct deposit. '' There is no language as to depositing one, two, or three deposits. I downloaded the all-in-one app and set up direct deposit. SoFi states that they sent out a mysterious e-mail requiring two direct deposits. I never received any such e-mail and fulfilled the welcome member bonus conditions that were given in the original contract/webpage.
Product: Credit reporting or other personal consumer reports

Tis CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C 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 the false information consists of a personal credit account opened at XXXX XXXX  XXXX on XX/XX/year> amount {$1100.00} and auto loan account opened at XXXX XXXX XXXX on XX/XX/year> amount {$16000.00}. I do not recognize the aforementioned accounts and charge offs as reported. The aforementioned accounts and charge offs appearing on my consumer credit report maintained by you were not opened, made or initiated by me. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, charge offs are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom this may concern, I am not responsible of those accounts. I am a victim of ID theft. People have used my information to open them and also make fraudulent activities. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

I currently have private student loans through Navient. Recently, my school deferment was up and I had to start making monthly payments. The account statements according to Navient quoted me at about {$600.00} per month. I am XXXX years old & recently graduated in XXXX of 2017. I just started my career so I'm only making about $ XXXX {$20000.00} a year. When I spoke to Navient the first time in XXXX ( before my payments were due ) I wanted to talk about repayment options. They told me I do not qualify for any type of repayment plan nor could they offer me deferment due to financial hardship. I assume this is because I have a co-signer. I spent numerous weeks calling Navient to work something out : Week 1 - called and spoke to someone who claimed they could get my payments down to {$200.00} per month. Unfortunately we got disconnected. When I called back I was directed to a different agent who told me they couldn't go any lower than {$400.00}. I told them I would talk to my co-signer and call back. 
Week 2 - Called Navient again, spoke to yet another agent. This time I was told that due to my co-signers income I don't qualify to lower my payments AT ALL and would have to pay {$600.00}. They were unsure why someone offered me {$400.00} and said that wasn't possible. I tried to explain my co-signer is not assisting me with the payments and that she can't afford that amount either. I was dismissed and not offered any options. 
Week 3 - Called once again and spoke to someone different. They resumed to tell me that they couldn't offer me any options. I was not surprised, just frustrated. My co-signer also called and tried to explain her financial situation ( recent death in the family, out of work for almost a year, recently started a new job ) but they told her that there were no options and we had to pay the full amount. Finally, my last phone call this week consisted of me asking for suggestions on what to do. Navient suggested I refinance my loans somewhere else ( which I was never informed couldn't be done during a forbearance ) or proceed with a forbearance request. I decided on the forbearance thinking I could refinance during that time. However, that is not that case. 

I am now struggling because I can't refinance my loans without 3 consecutive monthly payments. However, I can not afford the monthly payments through Navient. I am at a loss. My only option is to unfortunately use up all my forbearance time. I do not understand how this company can't offer myself, or my co-signer, any options.
Product: Mortgage

On or about XX/XX/2019 Specialized Loan Servicing modified my mortgage loan. 

While I was doing research I found Monthly Distribution Reports which are provided by XXXX XXXX, the Master Servicer of the trust that my mortgage loan is said to be a part of. These Distribution Reports are reports report on all aspects of these loans so that the IRS and the Trust can see what is going on. 

Surprisingly to me the information I found has a lot of discrepancies. Either XXXX XXXX, XXXX XXXX  XXXX, and Specialized Loan Servicing are defrauding the IRS and the Trust or they are defrauding me. Either way I suspect some fraud on their part like I have always suspected. 

I have attached the Loan Modification Agreement, copies of the pages of the Distribution Report that is pertaining to my mortgage loan ( note that mortgage identifier is my originating mortgage loan number which is XXXX which you can verify on my Note which is also attached here to ). 

You will note that the Principal Balance also called Actual Balance has a discrepancy of {$52000.00} The Balloon Amount listed on the Modification Agreement vs. the amount listed on the Distribution Report has a discrepancy of {$500000.00}. 

The Deferred amount on the Modification Agreement vs. the amount listed on the Distribution Report has a discrepancy of {$140.00}. 

It is clear that there is some type of fraud that is involved in these documents. My Modification Agreement should be reflecting the amounts that are listed on the Distribution Report which is suppose to be the documentation everything is based from.
Product: Debt collection

Portfolio Recovery Called me after XXXX XXXX on my company phone. 
Stated verbal " do not call '' lasts 7 days. 

Told them to just subpoena me at court and they stated they will continue to call. 

I want to never be called by these sharks ever again.
Product: Debt collection

This debt was originally settled with the original creditor in 2009. XXXX XXXX XXXX tried to purchase the old debt which was disputed and garnish wages. A hearing was request to mediate between myself and this law office after multiple filings in different courts without my notification and not attending hearings. XXXX County Consolidated Justice Court placed a stay of garnishment on the judgement after I filed a motion and XXXX representatives did not appear in court. 

This law office has now tried to launch yet another case of judgment against my property under this same disputed debt.
Product: Money transfer, virtual currency, or money service

I received a " Cash.app '' card in the mail, totally unsolicited by me. The card came complete with an Account Number, expiration date, security code and my name. I have been unable to verify how to cancel this card with " Cash.app '' or with their parent company " Square , Inc ''. Their help # is XXXX, but has no customer service people to help. They point you to their website " Cash.app/help '' which is mainly for activation, adding money, etc. I have contacted the FTC and submitted an " Identity Theft Report ''. Shortly after receiving this card, I received an " XXXX XXXX Personal Savings '' new account information card listing a full account # for a " High Yield Savings Account '' which I had not requested. In the same mail was a letter from " XXXX XXXX XXXX XXXX  '' in XXXX XXXX XXXX, UT stating that an account had been opened in my name and they believed it was opened without my authorization, thus closing the account. They then went on stating the applicant had access to my name, address and SSA. I have filed an " Identity Theft Case '' with the FTC.
Product: Credit reporting or other personal consumer reports

There is information that on my consumer report that is result of identity theft. I did not provide written permission or instructions for the identified transaction to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error, nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer :
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding multiple fraudulent accounts on my credit report that are not mine, including accounts from XXXX ( Account # XXXX and related accounts ), XXXX ( Account # XXXX and # XXXX ), and XXXX OF XXXX ( Account # XXXX ). These accounts show discrepancies in open dates and reporting details across credit bureaus, such as inconsistent dates ( e.g., XXXX XXXX XXXXXX/XX/year> TransUnion vs. XX/XX/year> XXXX and XXXX ), erroneous late payment histories, and false collection or charge-off statuses. These accounts were reported without prior written notification, in violation of 15 U.S. Code 1692g ( a ), which requires debt collectors to notify consumers within five days of reporting. The credit bureaus failed to ensure maximum accuracy in reporting, violating 15 U.S. Code 1681e ( b ). Despite my dispute, no validation of the debts was provided as mandated by 15 U.S. Code 1692g ( b ). Additionally, the fraudulent information has not been removed, which violates my rights under 15 U.S. Code 1681c-2 to block fraudulent accounts from my report. These actions also contravene 15 U.S. Code 1681s-2 ( b ), which requires data furnishers to verify and correct inaccurate information. I request an immediate investigation and the removal of all fraudulent accounts from my credit report, along with confirmation that they will not be re-reported. Failure to address this matter promptly has caused undue harm and damage to my creditworthiness. 
these are the accounts and some of them are duplicates : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

I am writing in regards to the apparent fraudulent access to my EDD/Bank of America account. 

On XX/XX/2021, I used my EDD/Bank of America debit card at a Bank of America ATM XXXX XXXX XXXX XXXX CA XXXX and withdrew {$1000.00}. 

On XX/XX/XXXX, I used my EDD/Bank of America app to check my account balance but the account had been locked so I could not access my account or see my statement. I then called customer service to tell them I could not access my account. I was put on hold for over 30 minutes. When I finally spoke to a representative, I expressed my concern about the fraud and they said that they had fixed the problem but gave me no solutions other than that they would send me a new card. They said that 5 separate withdrawals of {$1000.00} from the XXXX XXXX area during the days of XX/XX/XXXX - XXXX. 
I have never given my card to anyone, never used it online, I only use it at a Bank of America ATM near my house XXXX XXXX and definitely dont travel to XXXX California. 

Thursday XX/XX/XXXX I called the claim office where they said that the case was already closed but then reopened but still not providing me with any answers as to how these withdrawals happened or what would be done to compensate for the theft of my money. I dont understand how the case was closed without informing me about the investigation and without a resolution in place. All I am asking is for an investigation into how and who has accessed my EDD/Bank of America account and stolen {$5000.00} and when will I be compensated.
Product: Credit card or prepaid card

I filed a previous complaint with American Express many times with cfpb to have the credit inquires removed off my XXXX  report and I receive letters from American Express saying it will be removed but unfortunately they are still remain on my credit report and I contacted them and they said it was suppress off my credit report but they remain on my file so I dont know what going on I didnt apply for a credit card with American Express and there are at least 5 inquiries dating XXXX the XXXX XXXX and XXXX the XXXX XXXX and XX/XX/XXXX and XX/XX/XXXX that I didnt apply for and Im not getting anything done with this ... this will be my third complaint I filed ..
Product: Credit reporting or other personal consumer reports

I have contacted the Dept of Ed/ Aidvantage multiple times and have been blocked out of my account due to inaccurate information. I was also notified that my information was involved in the data breech and the referral code is XXXX. I called and was not able to have the student loans forgiven, removed, or deleted. this is unacceptable and has negatively impacted my credit report. please delete all accounts on my credit report associated with the Dept of Ed/Aidvantage . I was XXXX  XXXX back in XX/XX/year>. The company continue to provide student loans to me for programs i was not enrolled in and did not complete. this data breech has been a nightmare to prove. I have spent years trying to get this issue resolved at no avail.
Product: Debt collection

Noticed three items on credit report for Midland Credit Management- I have never opened an account with Midland Credit Management, that they are saying I opened these account XX/XX/2022, XX/XX/2022 and XX/XX/2022. Did try disputing with credit bureaus - no luck.
Product: Credit card

Macy 's Credit allowed a hacker to make purchases on my account including an electronic gift card for {$100.00}. I phoned in the details on XXXX/XXXX/2016 and followed it up with a fax of their fraud form on XXXX. Called it in on XXXX and they could not help me, instead they said they would call me back in 20 minutes. One day later and have n't heard back. It 's been 4 months since the incident and I have not found a resolution to the fraud they allowed to occur. Their system allowed a hacker to send an instant gift card to anyone without allowing the actual owner of the account the ability to cancel it. Meanwhile I 'm being charged 25 % interest while they take their time fixing this.
Product: Money transfer, virtual currency, or money service

I am filling complaint against cashapp ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, cashapp failed to take timely and effective measures to and address fraud on their platform, leaving my account vulnerable and unprotected.