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

On XX/XX/XXXX my Newrez/ Shellpoint mortgage account number XXXX was refinanced. On XX/XX/XXXX my refinancing company, the closing agent, sent full payment of {$190000.00} to pay off my loan with Newrez/Shellpoint. Two weeks later Newrez/Shellpoint sent me my escrow check so I thought everything was well. A couple of days later I started to receive mails that I was late on my mortgage mind you I have never been late. I contacted new Newrez/Shellpoint and their representatives told me that my loan was paid in full and that all was well. However the mails about missed payment kept coming. I call Newrez/Shellpoint again and they said maybe that mail was sent before the loan was marked pay off. Now the mails did not stop now they reported miss payments to the credit bureaus decreasing my credit score dramatically down 101 points. I called newrez and the representative then told me well I see your account pay off but they charged you a late fee of {$35.00}, then she said Ill transfer you to another department. Once transferred I spoke to a man, name XXXX. He looked into it and said he filed a dispute about the false reporting and instructed me to email CBR dispute about the situation and that they would fix it. He also advised me to file a dispute with the credit bureaus which I did. 3 weeks later Newrez reported my account as closed to XXXX  however with a balance of {$190000.00}. They also reported that false information to XXXX. I have proof of the wire transfer to Newrez on XX/XX/XXXX paying off my loan in full. However they keep reporting these false reporting to my credit and ruining my good credit scrore that I have worked hard to keep. When I call them they say one thing and then they report these false report to the bureaus. I also have proof of emails that I have sent to Newrez with no response. I do not know why they are reporting these false reporting of late payments when My account was paid in full.
Product: Checking or savings account

Went to file XXXX taxes, my tax professional asked about an IRA cash out of {$3300.00} that I did not cash out. After receiving this information I went into Huntington in XXXX XXXX XX/XX/XXXX and spoke to XXXX XXXX about the money missing from my IRA that I supposedly signed for and took out on XX/XX/XXXX. XXXX faxed copies of my H & R tax paperwork that I provided to XXXX XXXX the XXXXinancial advisor. A few years back XXXX had helped me invest money from my previous jobs XXXX, {$25000.00} was invested and {$3300.00} was left over. Looking back we never touched base on where the left over money would be going, when this all came about i found out it was put in a bank IRA. I was referred to XXXX XXXX who confirmed they have documentation of me cashing out the IRA. He said he would look into it and I never heard back. I then went into Huntington again for an update & XXXX XXXX said she was working on getting video footage of the day the IRA was cashed out, she said there should be footage of me in the office with XXXX doing the paperwork for the IRA cash out. XX/XX/XXXX I was told they don't keep video footage that far back but there was no record of my ID being scanned/swiped on the day of the cash out. XXXX later told me I should file a police report and the bank was closing their investigation. Police report was filed. Detective XXXX took on the investigation and informed me that Huntington would not release any information to him. It is now XX/XX/XXXX with no updates.
Product: Credit reporting, credit repair services, or other personal consumer reports

open over 10 years sold to different creditors XXXX XXXX {$8300.00}
Product: Credit reporting or other personal consumer reports

Great evening I am a XXXX and I do believe there is an onboarding company which is operating under Equifax inc that has reported a late payment and balance due of {$1100.00} for a service that I have never used. I never signed to finalize the contract with them and to start getting billed, nor gave them my banking information, suddenly they have reported a no payment of the whole year payment on my Business credit. I have reached out to them in regards of this matter and mentioned to them that I have never used their services and that I want them to stop billing me and remove any charges off my account and business entity but in vain, they kept forwarding my demands from person to another as if no one wants to admit their greedy behavior
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX Balance : {$520.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$900.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I tried to sign up with XXXX using my Capital One bank account and was advised by XXXX that the bank is blocking me from accessing my financial data.
Product: Checking or savings account

On XX/XX/XXXX I called Wells Fargo bank regarding three transactions that were not authorized by me. The fraud team rep took down the information and initiated the dispute. Wells Fargo bank credited my account the same day for the two transactions and the third one took more than a month before I called them. They told me that the transaction was authorized. How can 2 transactions for the same merchant same name be unauthorized and one be authorized. 
XX/XX/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
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following information that XXXX XXXX XXXX XXXX  supplied to XXXX, Transunion and XXXX credit bureaus ; whose report has incorrect information that has not been updated in reference to account ( XXXX XXXX XX/XX/XXXX ). 

Prior to the Pandemic I had an Impeccable Payment history XXXX XXXX XXXX, I value being a financially responsible client. However, during XXXX  I suffered from a major hardship, I had a great death in my family, and I lost my former husband, who at the time was my primary source of income. I also was laid off from my Job due to major cutbacks. Being a Widowed wife and a mother of XXXX It was hard to meet all my financial hardships. Nevertheless, I did not want to neglect my financial obligations. If you check the history on my account, I have never missed a payment from the time I opened my account in XXXX until the pandemic. In XXXX I reached out to your company to request hardship payment options, I agreed to do a settlement with your company, hence each account was paid. I was informed that the account would be kept current, no late payments will be reported due to me agreeing to settle the account and Care Act.

According to the Cares ACT, the CARES Act states if you make a debt-relief agreement, that creditor must continue to report the debt as current. Therefore, no late payments should reflect my credit file during that time. I Request that XXXX XXXX remove all late payment history as soon as possible to be in compliance with the federal law. To ensure that creditors adhere to the Federal Law which prohibits Negative Credit Reporting according to The CARES Act signed into law on XX/XX/XXXX, Act to amend Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during COVID -19crisis. ( 15U.S.C. 1681s-2 ( a ) ( 1 ) ( F ). ) This has been an ongoing issue. I have also reached out to XXXX XXXX in XXXX, XXXX, and just recently XXXX XXXX via dispute through my credit bureau, however both accounts remain the same inaccurately Late Payment history.

Please reinvestigate this matter and contact the nationwide credit bureaus to have them delete the disputed late payment items as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion Credit Reporting Agency continues to lower my credit score whenever I make a car payment or pay off a loan ahead of time, which is unfair. I sent hard-copy letters to TransUnion in XXXX, PA twice now ( on XX/XX/2020 and XX/XX/2020 ) but TransUnion continues to lower my score. I pay my bills on time and am actually ahead on payments, so my score should be going up instead of down. They also lowered my score by using a credit inquiry from a company that said their checking my score would not hurt my credit score. TransUnion did this same thing in the past and lowered my score by a point or two and then they remove it and allow the score to go up by a point. This is very frustrating and to my knowledge, against the law since they are not reporting fairly. They did this after my first complaint letter where I sent copies to the Federal Trade Commission asking for their help to get this resolved. Is TransUnion upset that I brought their faulty practices to the attention of a government agency and they are punishing me by continuing to reflect false credit information and a bad score???
Product: Credit reporting or other personal consumer reports

XXXX reports inaccurate information on account XXXX. 
Past due amount is wrong and date of last payment made is also wrong.
Product: Credit card

I opened a card with Citibank. They put me on fraud alert before I received my card for some reason. When I called, they told me the only way I could get taken off the alert would be to use my credit card they sent in the mail, but I never received the credit card. So then they sent a reference letter. I never received the reference letter I asked for it to be resent and they said I would have to verify my card information before they could resend it but again I cant get my card resent because I need to verify my account which I cant verify because I never received my card. I asked them to lock my card and they will not lock my card because I need to verify my account. So somewhere my credit card is floating around, not in my possession and unable to be locked. I asked him to confirm what address they are using. And I was told that they could not confirm my address unless I verified my account. They will not verify my account with my Social Security number my birthdate my phone number my email address or any other form of identification that I actually do have. I requested to talk to a supervisor. The supervisor was more unhelpful than the woman. I could not understand that had a headset that was not working. I asked to speak to his boss. I was told I could not be transferred I would have to be put on a callback list. I was excited to get my XXXX XXXX credit card so I could use the miles now I have no desire to have that credit card.
Product: Checking or savings account

XXXX filing a complaint with CFPB in regards to Capital Ones failure to deposit my direct deposit from my employer.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is towards Experian Credit Reporting agency And the XXXX XXXX XXXX XXXX XXXX 

I've uploaded documents and updated my consumer statement in which The credit reporting agency and Debtor/Creditor are still causing personal and financial injury towards Me as a consumer. Experian as Violating Consumer Laws Section 15 U.S. Code 1611.

It states on Experian This is your history of paying bills on time. Late payments can stay on your report for up to 7 years. This account was open XX/XX/2018 which Experian as deleted reports from ( XXXX ) and now only showing reporting dates from XXXX. And I have proof of of all reports.Therefore Experian and this Debtor/Creditor showing action of another consumer law violation section 15 USC 1681B . 

In which I gave no permission to update/Delete any information from my credit report. I Demand for Experian to remove These Negative items from my Credit report Immediately.
Product: Mortgage

I had a loan with XXXX had problems and stop making payments then contact XXXX to work a solution got offer a trial period finish 6 month trial period and no answer from XXXX about loan modification transfer to Green Tree where I was offer a loan modification where my principal increase in over {$140.00} and the interest increase to 6,125 % no answer from Green Tree about what program was used for my Loan Modification. I pay 18 months and after the 18 payment got inform that my taxes for 2 tears where not paid hard to understand since the 2 years in question where not consecutive my payment was increase in the amount of {$1200.00} a month making my payment from {$4200.00} to {$5300.00} ask the bank to review this new numbers and I was advised to continue making new payments till they work something out to return to the original payment which was almost % 50 of my income. nothing happens for few months and suddenly Green Tree said for me to make a payment because they have arrive to a new terms for my Modification That was a LIE they just closed for business and open with a new name but send a letter telling me that nothing change. at this moment I hire an attorney and initiate a loan modification submit paperwork many times and after 10 months My modification got denied BECAUSE the loan was past due more than 6 months After this attorney I have file 3 more modifications with 2 different attorneys and one with the HUD help, my last denied was last week they did not display the new guidelines for the denied just said that the new P & I its higher than old P & I Consistently XXXX green Tree and now Ditech used the same tactic delaying the paper work and denied the modification I see consistently I have Not received a fear treatment and after many attempts to solve the problem they have not respond in a way beneficial for both parties. 
I have copy of all documents from XXXX to green Tree to Ditech if necesary
Product: Credit reporting, credit repair services, or other personal consumer reports

Notified original company in 2010 that debt was included on bankruptcy. Never received notification from collection company of debt. Not responsible for debt included in bankruptcy.
Product: Mortgage

Wells Fargo Mortgage is punishing us for reporting them to HUD for not following FHA guidelines. We were XXXX out of our home, a XXXX, and did not make our full payments for 9 months while the house was repaired. HUD / FHA guidelines state that mortgage companies should not report for 12 months after a XXXX when the borrower is paying as agreed. We had an FHA mortgage with Wells Fargo. We learned too late that FHA and HUD protects XXXX victims. Our congressman intervened and HUD told Wells to follow guidelines, but we had entered into a contract to sell the home. If they had done the job correctly and offered the options up front, which would have allowed us to keep our home, they would not be able to report the late payments. HUD can not help because we sold the home to avoid foreclosure ( we did not refinance under disaster guidelines because we did n't know of them ). Wells Fargo Mortgage refuses to stop reporting despite knowing they did not initially follow HUD / FHA guidelines. It is obviously punitive for the complaint to HUD. We lost tens of thousands of dollars of property in the flood and were left homeless for a period of time. We had nothing except the clothes we were wearing when we were evacuated. From forks to pillows to underwear, etc, we 've had to replace everything and it 's been hell. Well Fargo Mortgage does not care. It is actually XXXX specific individuals in the mortgage servicing area that continue to not follow FHA guidelines. They must have the account noted ; no matter what method we use to voice a complaint, all contact associated with our mortgage ends up with XXXX of them. We at first thought that the reason they continued to justify the negative reporting was because we complained to HUD, but after speaking with each on the phone it is obvious from their statements that it is because we 're a XXXX couple. HUD guidelines specifically state that there should not be any reporting for a twelve month period after a national disaster, but these XXXX individuals continue to come up with any reason they can because they are XXXX. I question whether the culture at Wells Fargo Mortgage in general is XXXX or just this department, but I seriously recommend any XXXX couple think twice before doing business with Wells Fargo Mortgage.
Product: Credit reporting or other personal consumer reports

I never signed up for any student loans 15 USC 1692C Consumer Law States A debt collector must halt its collection efforts upon receiving a written request from a consumer to cease collection efforts or a written refusal to pay the debt
Product: Credit reporting, credit repair services, or other personal consumer reports

Car was a voluntary surrender in the year XX/XX/XXXX because lack of employment and bank has agreed to receive and place a ) balance on my account. 

As noted in the credit report the car was kept by the bank and as noted in the credit report as of XX/XX/XXXX account was in good standing and suddenly placed in my credit report with a balance due of {$5900.00} Balance was XXXX as per agreement in XX/XX/XXXX. Bank refuses to give the documents when the car was received.
Product: Credit reporting or other personal consumer reports

I did not authorize XXXXXXXX XXXX  to run my credit on XX/XX/XXXX and on XX/XX/XXXX for mortgage reporters on both dates for the same reason, on any bureaus or at all the phone numbers I have for them both are XXXX I did not authorize XXXX XXXX XXXX to run my reports on no bureaus or at all on dates XX/XX/XXXX and XX/XX/XXXX for XXXX XXXX XXXX the phone number for both are XXXX I did not authorize XXXX to give me a hard inquiry or run my credit on date XX/XX/XXXX for a XXXX XXXX I did not authorize XXXX XXXX XXXX to run my credit or give a hard inquiry on XX/XX/XXXX for XXXX XXXX XXXX XXXX phone for them XXXX I did not authorize XXXX to run my XXXX XX/XX/XXXX from XXXX XXXX XXXX XXXX XXXX  their phone is XXXX I did not authorize XXXX to run my credit on XX/XX/XXXX for XXXX XXXX XXXX XXXX their phone is XXXX I did not authorize any of these companies to run my credit this is fraudulent.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting Account # AFFIRM XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

According to federal law 15 U.S code 1681 ( 2 ) ( Ai ), a consumer report does not include information solely as to transactions or experiences between the consumer and the person making the payment. 

According to federal law 15 U.S code 1666b ( a ), a creditor my not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Student loan

In XXXX I began working at a XXXX XXXX agency. I promptly contacted XXXX XXXX ( my loan servicer for my FFEL loans ) to make sure that my repayment plan would allow me to participate in the PSLF program. I was assured over the phone that all I needed to do was continue making payments as I had been, and that there was nothing else I needed to do at that time. I discovered in XXXX that my loan servicer did not participate in the PSLF program, so I lost 3 years worth of time and payments towards loan forgiveness. 
I have already tried this once, to no avail. I am trying again because I just read another report about how many borrowers have been similarly misled by their loan servicer, as I was. I can not understand why there is not more that can be done to make this right. Sending my complaint to the servicer at fault seems ludicrous since all they do is say the obvious, which is that my loans were not eligible for PSLF based on the fact that they were held by XXXX XXXX. I already know that. The issue is that I was told they would be eligible by an employee of that servicer. 
Please let me know there is another course of action. It is just wrong that they gave me wrong information, but there is no consequence to them, however I am stuck paying for an extra 3 years. 
I believe everyone who was making payments in good faith should get credit for those months towards the 120 needed for PSLF, even if they had the wrong servicer. It is obvious that many, including me, were deliberately given wrong information so the servicer would retain more loans in its portfolio. The CFPB was created to help people like us get fair treatment from these kinds of predatory practices. Please, please, please do that!
Product: Bank account or service

M & T bank put a hold on a bank to bank transfer for {$9000.00} and are holding my money in limbo for almost three weeks. I have call to release the funds or transfer back. No response from them on calls and messages. No explaination. They sent me a form again with no explaination. I need funds.
Product: Debt collection

There was a fraudulent account opened with XXXX in XX/XX/2014 as a result of identity theft, I have disputed this multiple times with Equifax but the issue has yet to be resolved.
Product: Debt collection

Called repeatedly at all hours of night and day. When I try to call back it is nothing on the other end but a loud beeping nose.
Product: Checking or savings account

Over the weekend of XXXX Fulton Bank took ownership of all XXXX XXXX accounts. All online banking was turned off until Monday, XXXX. As of XXXX, I attempted to log into the new Fulton Bank app to access my accounts, and despite having 2 accounts with XXXX, I am only seeing one with XXXX. 

The missing account is for a registered XXXX and we are constantly supporting our local open-intake animal shelters, requiring regular access to our funds to pay for supplies, food, equipment and most importantly veterinary care. Over the last two days, I am covering these expenses out of pocket as I don't have access to the $ XXXX in the missing account. 

There are so many issues with this transition, their customer service phone lines are at a 5+ hour wait, the individual former XXXX branch locations are totally unable to assist and can only refer to the phone number for customer service. I've been to two seperate locations in person to just be turned away. And I have also been actively posting on Fulton Bank 's social media, all to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a paid judgment of my credit report in the amount of {$1200.00} dated   X/14 . I ha ve mailed copies to all  XXXX  credit bureaus (  XXXX , Experian and  XXXX   XXXX  showing proof that I won this case back in    2014 I b elieve. They only show it being paid and have not removed from my report. It clearly states in the final judgement  " Counter Claim Offset '' so Im not sure why this is listed on my credit report and I would like this information to be removed because it is affecting my credit score although is paid.
Product: Credit card or prepaid card

I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involve.The XXXX and XXXX Credit Bureaus are reporting inaccurate information on CAPITAL ONE. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.