23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We have been in the process of refinancing our mortgage since XXXX. Part of this process involved obtaining a payoff statement from Loancare. It took several attempts to contact customer service, and nearly two weeks, but the first time I requested one, they did eventually provide one. They claimed the delay was because they didn't know how to calculate the payoff balance for our second mortgage because the interest rate is 0 %. 

The paperwork from the bank we're refinancing with ended up taking a little longer than expected to process, so we need to obtain a new payoff statement with a later payoff date. I electronically submitted a request to Loancare via their own website around XX/XX/XXXX for an updated payoff statement. On XX/XX/XXXX I received an email stating that my request had been received and forwarded to " the team of specialists experienced in resolving your issue. '' I have heard nothing from them since then, and have been hung up on by their customer service phone number several times. 

Our escrow and mortgage agents working on the refinancing process have also contacted Loancare to request the payoff statement, as it is the only thing we need to finalize our refinance, and their requests have been ignored as well. Our mortgage agent told me she's never seen anything like this. 

It is my belief that Loancare is deliberately refusing to provide a payoff statement so they can continue to collect interest from us at a rate significantly higher than the one we are refinancing to. This is costing us a significant amount of extra money every month in interest, potentially tens of thousands of dollars over the remainder of the mortgage.
Product: Student loan

I am receiving notices in the mail from Navient in reference to a loan I never took out. The loan is under another individual 's name and the letters that came state that the indiuvidual who originally took out the loan is delinquent on payments and that I consigned on this loan. I have never consigned on any loan or consented to consign on any loan. I contacted Navient 's customer service number listed in the letter and was essentially given the run around. I explained the matter to XXXX different customer service representatives, initially being disconnected leading me to have to explain the issue XXXX diffent times, being placed on hold only to talk to another individual who essentially stated he was unable to help me. At that point I requested to speak to a supervisor. After being placed on hold again, I had to re-explain the situation to the supervisor who then flatly stated there was nothing she could do and that I would have to talk to fraud department at XXXX. I called this number only to receive a message that no one was available to take the call and please call back later ( No explanation as to why or hours of operation/better time to call back ). I then called Navient Customer Advocate at XXXX XXXX XXXX XXXX and again after a long hold was prompted to leave a message with no explanation to hours of operation or better time to return call. Navient has fraudulently placed my name as a consigner on a loan and has made themselves unavailable to rectify the issue.
Product: Credit reporting or other personal consumer reports

I have noticed some inconsistencies and errors on my consumer report. I have disputed inaccurate information as well as hard inquiries and accounts that shouldn't be on a consumer report that have been used as determining information to assess my credibility without my consent, which has caused wrongful denial to credit. I do not recognize, have ever consent or agreed to, or have authorized any of the companies reporting on my consumer report to furnish, use, or transfer my personal consumer info. Please investigate these, and provide me documentation of the methods you used to get the info, the sources you got the info from, the methods of verification, and and the original agreements or authorizations used to report. Please investigate XXXX, XXXX and Experian and i noticed they are all reporting inconsistent and wrong information include different consumer scores and they are reporting that my scheduled payments are not reflecting my paid payments when i have made all my payment son time.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX : Worst reporting XXXX. Other two ( XXXX and Equifax ) has no collection accounts. But XXXX is still reporting. I have tried my best. Reporting late payments on closed account which are upto date.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft.TransUnion has added accounts to my credit report without a permissible purpose and without conducting a proper investigation to ensure that the information they were receiving was in fact accurate. Their failure to follow the rules created for them by congress under the fair credit reporting act has ruined my reputation, cost me actual damages and financial hardship! This is unfair!!! TransUnion has failed to honor my right to privacy by allowing access to my credit report without a permissible purpose.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 XXXXXXXX
Product: Checking or savings account

I am unable to open a XXXX XXXX checking account via https : XXXX. The checking account is open to all people, even if they are not a XXXXXXXX  customer. I get a generic decline notice on the site and email ( attached ). I applied on XX/XX/2021, on decline, I called the number listed XXXX and spoke to a representative who said they were unable to assist, but to contact XXXX XXXX  for support even though I am not a XXXX customer. After contacting XXXX XXXX, they told me to call XXXX to get support. On XX/XX/2021, I called that number and was told they were unable to help. After requesting to speak to a supervisor I was transferred. The supervisor told me that there was no way for me to open an account and that further escalations with XXXX XXXX wouldn't be possible since I don't have an account number. They have not told me why my account was declined and have not provided notice of a decline due to an adverse action on a checking account report.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, On XXXX of 2016 Wells Fargo Mortgage reported my monthly payment as being late. I called Wells Fargo the moment I noticed this on my Credit Report. I have never been late on any of my Credit Cards or loans. I never received a statement from Wells Fargo as I always did, therefore I did make the payment on time due to their negligence on  sending the statements. I also never received a phone call from them letting me know about the payment. While speaking with Wells Fargo there was an individual that stated I should have received a noticed by mail and a phone call ( I believe his name was XXXX ) If the phone calls are recorded then Wells Fargo should have that information on file, this individual admitted that Wells Fargo did not take the necessary steps in this situation. I have disputed this item multiple times and it was removed from the Credit Bureaus in the past, but then it is added again ( It just recently happened again ) Wells Fargo Negligence to provide me with proper community when it comes to payments has affected my credit score and caused stress in my life. Loan interests are higher due to this and it has taken time out of my busy schedule to provide these letters in the hopes to get this rectified. I pride myself on having pristine credit and Wells Fargo has affected a lifetime of work on my credit. I'm not asking for any money, all I want is fair treatment and to have this item removed. Wells Fargo is a large Corporation and it is not fair for them to treat a client this way. It is very disappointing how I have been treated and hope to get this resolved.

Thank you.

I have submitted this complaint to your office in the past I appreciate any help you may provide to get this handled.

I would like to have the late noticed removed from all of my Credit Reports I  will also be filing with the Attorney General 's office
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a fraudulent bill on my credit report from a company called Way Point Resource Group llc. Corporate Address XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. On my credit it reported I owe XXXX dollars from another debtor named 11 XXXX collections. On my credit report it shows that it was created XX/XX/XXXX. I contacted Way Point Resource on XX/XX/2023 and they demanded money from me immediately to fight to have taken off my credit.
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 XXXXXXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$4700.00} XXXX XXXX XXXX XXXXXXXX : {$370.00} XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX IN ) XXXX Balance : {$130.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX OF XXXX ) XXXX : {$470.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX ) XXXX : {$2000.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX : {$640.00} XXXX XXXX Balance : {$0.00}
Product: Debt collection

the number XXXX XXXX XXXX XXXX calls everyday at XXXX XXXX does not leave a message. 

I believe the call is from Paypal. I do now now have I ever had a Paypal account.
Product: Credit reporting or other personal consumer reports

I'm a victim of a sham investigation from Experian credit reporting agency. They have not done a real investigation, but rather only relied upon the response from the creditor and basting. Their investigation solely on a fault. XXXX XXXX XXXX  that is not accurate please delete all items that's listed in my documents immediately. Please see documents in attachments this dispute was not made in error. Send me a copy of my credit report after your investigation is completed also show me how you investigated my claim of the account im disputing, so me how this account is incomplete and accurate!
Product: Mortgage

My home has a forced placed insurance policy on it, which I have told the lender I would like to keep as it is cheaper than what I have been quoted from other companies ( house was built in 1930 ) XX/XX/XXXX : Penfed made insurance payment of {$1800.00} from my escrow account. Not long after, I received my insurance policy documents in the mail. 

XX/XX/XXXX : My escrow was credited {$1500.00} with the description of " homeowners insurance refund ''. I did not receive notice that they were canceling my homeowners insurance. 

XX/XX/XXXX I called Penfed upon noticing the refund and my escrow balance that was now {$3400.00}. I asked why my escrow balance was so high when it should only be 2 months of payments ( my escrow only pays for insurance, not taxes ). I was told they would do an escrow analysis on XX/XX/XXXX. 

XX/XX/XXXX I called Penfed again to check on the insurance issue and was told that an escrow analysis could not be done until the insurance issue has been resolved. I was told that they would open a ticket for it and it would take about 5 days. 

XX/XX/XXXX I called Penfed for an update on the status of the insurance ticket and was told that it had not been completed, also that they had requested an escrow analysis that would occur sooner than XX/XX/XXXX but it will not be done due to insurance issue. 

I have called several times since these dates and each time I am told there are no updates. They will not do an escrow analysis, and they will not resolve the insurance issue. I have communicated that I would like to continue with the lender placed insurance, but they will not tell me why it was canceled other than that they " switched computer systems '' and it was supposed to cancel to transfer over to the " new system ''. I have asked for a call from a manager, nobody has contacted me.
Product: Checking or savings account

I attempted to contact Bank of America in multiple occasions since XXXX, via phone, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I have unauthorized charges made in my checking acct. and a credit card I did not requested or have from the bank with a balanced owed to this account. I could not access my mobile banking, called B of A for assistance. They have refused to help me numerous occasions in the years XXXX. 
Today, I was able to logged into a XXXX app. and reviewed past statements for XXXX 
I rang the Bank and notified Managers and supervisors of the fraud and multiple charges in my checking and c.c charges not recognized. They did not help me or freeze the accounts to prevent ongoing charges to my account without my consent. 
Please help me, I left over $ XXXX and now it is all gone. Bank is not taking responsibility. 
Kind regards, XXXX XXXX
Product: Debt collection

Honda is trying to get money for a car that the state ploice has due to a death of my fiancee XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On all three credit bureaus, there is a XXXX XXXX account that is showing opened XXXX and closed XXXX. I have the last 4 of the account from my credit bureaus. Yet, XXXX  XXXX shows NO account at all with the number I have, under my name or SSN. XXXX XXXX says the Credit Bureau should remove it - The Credit Bureau says it is XXXX XXXX who should. I've filed disputes in XXXX and XX/XX/XXXX- they do not respond to the issue, and only say the " account status is closed ''. I do not ask for a status- I ask for the account to be removed from my credit bureaus because my SSN isn't on the account! An hour plus on the phone and several phone investigations on XXXX, XXXX XXXX confirms the account isn't attached to me at all.
Product: Vehicle loan or lease

I Purchased a new car from XXXX XXXX XXXX in XXXX, SC XX/XX/year>. The contracted amount was XXXX. With first payment due XX/XX/year>. On XX/XX/year> XXXX reported to XXXX XXXX XXXX XXXX both the contracted amount and a new balance of XXXX. I have spoken with Hyundai finance underwriting with a XXXX XXXX employee present. XX/XX/year>. The underwriter stated that the loan amount submitted to them was XXXX. The XXXX XXXX employee present wrote my sales contract. However during this conversation no explanation for the difference in amounts was offered by this employee, nor any corrections to the statements given by the underwriter. However as of XX/XX/year> I still have not received any explanation or resolution. Included in this purchase was having my car properly registered and tagged. I took possession XX/XX/year> and as of XX/XX/year> I still have not received this service. 
Included in this agreement was a 20 day pay off of the trade in which expired XX/XX/year>. However this was not completed until XX/XX/year> negatively effecting my credit.
Product: Debt collection

Date : XX/XX/2017, car accident bill. 
Account XXXX and XXXX Company : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX  XXXX, phone : XXXX. 
We were victims in a car accident on XX/XX/2017.  The other car driver was at fault. 
We assigned the XXXX XXXX XXXX XXXX XXXX as our representative and will handle any bills. The XXXX XXXX XXXX XXXX XXXX is located at : XXXX XXXX XXXX, XXXX XXXX, XXXX   XXXX. 
We have notified by writing, emails, faxes many times regarding billing and payment and advised this company to send bill to our representative. However, this company did not contact our representative but harassed us repeatedly. 
We notified this company that we have a representative lawyer who is willing to work with them directly but they ignored and did not contact our representative. We also notified them that contacting us directly would not get any positive results but may violate the Federal Law ( FDCPA ) but they still ignored. 

Thank you. 

XXXX XXXX and XXXX XXXX
Product: Credit card or prepaid card

I opened a bank account with PEDFED with intentions of building a relationship.I applied for a credit card during the process, I WAS APPROVED!!! for a XXXX Credit Line. I was then asked to send in proof of income, I did it was accepted. the customer service rep indicated that my income was high and they get a lot of fraud from XXXX XXXX. I waited 10 days the card never came. I called and I was told that the loan processor wanted to speak with me, I called back and I wasn't able to speak to the loan processor, but the The rep told me they wanted to verify my job, they pretended to call my job, never spoke to me, the guy name XXXX XXXX left a message from XXXX, I'm guessing he wanted to find out my race. I called XXXX back and never got him on the phone, the CSR told me that everything was find and they were sending the card via XXXX. I believed him, and waited a few more days and nothing came. I called back and I was told it was denied. I was shocked because it was already approved, that's not how it works. banks don't lie to their customers. So I wrote a letter asking to reconsider my request which was odd because this bank did everything possible not to honor my approval and then lied multiple times, sent out false letters of the reason. 

I wrote : I was told twice that I was approved. I was told the card was sent out to me via XXXX XXXX yesterday I sent in my check stubs almost 2 weeks ago. I am gainfully employed earning a great income this year with no long-term debt. I was told someone from PenFed called my job and hung up, they have caller ID. I am requesting your reconsideration of the original credit line I was approved for, I have similar credit limits rarely used, My creditworthiness is not the issue. The letter has the wrong information. I am employed and I sent you proof of income. 

I was then told via email to send in my taxes, I said OK but before I could do that I was treated like a criminal, I was told they really didn't want to see my taxes and that they have decided based on my ethnicity and location that they will continue to not honor my approval. Attached is them doing everything not to honor my approval.
Product: Money transfer, virtual currency, or money service

Yes jpmcyb bank credit and debit cards have stole all my unemployment money and every other benefit that had my social security number and etc identity was stolen through a false XXXXXXXX XXXX XXXX XXXX XXXX  account and it's been one year and six months and I still haven't got my funds nor able to catch up my bills etc with my information being with this company that I never even knew of finds out the company is owned by a familiar family friend how can I recover these stolen funds ASAP it's {$6000.00}
Product: Credit reporting or other personal consumer reports

The XXXX department for TransUnion is located at XXXX XXXX XXXX XXXX, XXXX, IL XXXX. 




Subject : Formal Dispute Regarding Inaccurate Information on My Credit Report Dear trans union : I XXXX XXXX I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. 
Recently, the Consumer Financial Protection Bureau filed a lawsuit against trans union for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 
These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner. 
Please review the Inaccurate Information being report : Likes Under the FCRA, you are required to :
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card account with XXXX 's XXXX XXXX in XXXX, WI and it is not showing up on my Transunion report. This problem was first addressed in XX/XX/XXXX and it has not resolved. I met with the bank in XX/XX/XXXX and have inquired via e-mail three more times since then. I have contacted Transunion as well. It seems that since this account was suppressed from a Bankruptcy in XX/XX/XXXX it has not been reporting. This account was reaffirmed in the bankruptcy and was not included in the bankruptcy - in other words we did not want to lose this account so we continued to pay as agreed and did not close this account. 

Also, from the bankruptcy in XX/XX/XXXX, we reaffirmed our mortgage with XXXX XXXX  XXXX ( now we are serviced by XXXX XXXX XXXX ) and this account, also, is not being included on our credit reports. THe reporting has been suppressed since back then and it looks like we never even had a mortgage! We have been in this home for over 10 years and we aren't getting the benefit on our credit report. YES I called the credit companies and YES I called XXXX XXXXXXXX XXXX starting back in XX/XX/XXXX, Again in XX/XX/XXXX and finally, just called on XX/XX/XXXX. Please help!
Product: Credit reporting or other personal consumer reports

I have disputed a US BANK reporting error on my XXXX report several times. I have sent several certified letters over the past few years and XXXX continues to ignore, disregard, and violate my rights. My latest dispute was sent on XX/XX/scrub>XXXX XXXX XXXX Unfortunately, XXXX responded yet again stating that it was verified without providing any of the documentation that I requested on several occasions in accordance to the Federal Trade Commission 15 USC 41 guidelines. Their failure to provide the requested verifying contracts is in direct violation of my rights. 

I am understandably very frustrated that this has happened and can not believe that US Bank and XXXX would let something like this go unresolved for so long. I have spent hours diligently reviewing my report and outlining inaccuracies. I have also spent a lot of money getting my disputes notarized and certified. I have impeccable record keeping and I have been very gracious in giving XXXX ample time to remedy the error in question. This delay has put me at a disadvantage and has cost me valuable opportunities that require bank accounts in good standing to qualify. 

I am now asking the CFPB to intervene and help me rectify this situation. It is unacceptable that XXXX and US Bank has not resolved this issue. It is well within my right to request that the items in question be deleted and removed from my XXXX profile. With your help, I hope to see the items in question deleted in a timely manner. 

Thank you for your attention to this matter and I look forward to hearing from you soon.