23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ] XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Unknown Charges Impacting Credit Score Dear Sir/Madam, I hope this letter finds you well. I am writing to formally dispute unknown charges that have recently appeared on my credit report, resulting in a significant drop in my credit score. I kindly request the assistance of the Consumer Financial Protection Bureau ( CFPB ) in investigating and resolving this matter. 

I have carefully reviewed my credit report, obtained from Sunrise credit services XXXX XXXX XXXX XXXX of Credit Reporting Agency ], on [ Date of Report ], and noticed several unauthorized charges that I have no knowledge of. The charges in question are affecting my creditworthiness, potentially hindering my future financial opportunities. 

I am providing the relevant details below for your reference : Name : [ XXXX XXXX ] Date of Birth : [ XXXX ] Social Security Number : [ XXXX ] Account Number ( s ) Affected : [ i dont see an account number for this report. ] Total Amount in Dispute : [ {$530.00} ] I have attempted to resolve this issue by contacting the respective creditors and explaining that these charges are not familiar to me. However, my attempts have yielded limited success, as the creditors have been unable to provide any satisfactory explanation or documentation supporting the charges. 

I hereby request that the CFPB : 1. Conduct a thorough investigation into these unauthorized charges listed on my credit report, 2. Promptly notify me of the findings and actions taken in this regard, 3. Remove these questionable charges from my credit report, 4. Provide me with an updated credit report once these discrepancies have been resolved, 5. Take any necessary actions against the responsible creditors for reporting erroneous information, and 6. Provide me with guidance on how to prevent similar occurrences and protect my credit in the future. 

Enclosed with this letter are copies of my credit report highlighting the disputed charges, as well as any supporting documentation I have concerning my attempts to resolve this issue independently. 

I appreciate your prompt attention to this matter and trust that the CFPB will investigate and resolve this dispute in a fair and efficient manner. Should you require any additional information or documentation from my end, kindly notify me at the contact information provided above. 

I would like to thank you in advance for your assistance in rectifying this situation and helping me safeguard my financial well-being. I look forward to a favorable resolution to this dispute. 

UCC 1-308 I reserve my rights not to be compelled to perform under any contract or commercial agreement that I did not enter knowingly, voluntarily and intentionally All Rights reserved without prejudice to any rights. Sincerly, XXXX XXXX
Product: Mortgage

I have been trying to get my {$750.00} back from XXXX Bank since they lost it last XX/XX/2020. I file a complaint with CFBP after spending months on my own trying to get it back. 2 months after XXXX got involved they found my money and submitted a letter to this bureau and to me dated XX/XX/2020 stating that my money was recovered and a check for {$750.00} would be issued to me and sent to my home by way of XXXX within 10 days. Once again as of today XXXX I have received nothing. I call XXXX Bank I believe on XXXX to find out what happen to the check that was to be sent to me back in XXXX. Here we go again. No one knows where that check went to like before it just vanished into thin air. after nearly XXXX hours on the phone with XXXX different people that would not give there names or telephone ext. I got promise that I would hear back from them within XXXX hours. That was XXXX weeks ago and I still have heard nothing. I am completely lost all patients with that Bank. I want to sue them put them on the news and I believe they should be treated like a criminal that steals money gets caught and still doesn't return the money to its owner. If I wouldn't give them their {$750.00} Payment 10 months ago I would be living on XXXX XXXX with bad credit and no where to go. Please help and advise me on what to do next. 
My old claim number with CFPB XXXX I have all the paper work proving everything I have said is true. 
Thank You XXXX XXXX XXXX # XXXX
Product: Debt collection

This is a debit owed to XXXX XXXX XXXX  for unit # XXXX, XXXX XXXX XXXX XXXX, XXXX, Tx XXXX under my name for the amount of {$1600.00}. 
Account opened XX/XX/2023 and is now past due as of XX/XX/2023. 
They have used my name, DOB, and social security for this. They also were able to unfreeze my credit with XXXX Credit bureau. 
I have not received any letters or communication regarding this inquiry because they falsified all their information.
Product: Mortgage

I've been on the COVID XXXX forbearance plan for XXXX year getting ready to get off XX/XX/XXXX every 3 months I would talk to them about what it was going to be like when I got off and how it would affect my payments. After the first 6 months they told me that I would have to pay all the back payments split into XXXX equal payments and the original loan payment. Then at 9 months they told me no that's not true they just tack the money on to the end of the loan and business as usual you'll Play Your normal monthly mortgage payment and they will extend the terms out. Today they told me no I will have to pay lump sum {$15000.00} which is the total past due. Or I can do a loan modification which this is the first time I ever heard the word loan modification for a different interest rate. Never did I hear that they were going to change my interest rate which obviously is a much higher interest rate than XXXX then I currently hold. I would like them to keep the plan that they told me and just to start with my mortgage payment on the XXXX and business as usual
Product: Mortgage

My mortgage servicing company escrowed too much money from my mortgage payment to cover home taxes owed to the city. Escrowed {$5500.00}, acording to box 11 of the XXXX from my mortgage company, when only required $ XXXXI 'm faxing to Mortgage servicing company statement from city tax collector indicating this fact and I'm requesting a refund of difference of over payment. I would like a review of past statements to see if previous years had discrepancies also.I 'm in the process as I write this complaint of faxing info as I've had disputes in the past with refunds with one dispute where I've had to seek the help of an attorney to resolve for which I wasn't totally satisfied after.This mortgage company has, with me, a history of confiscating money from me and leaving me bewildered as to what happened and why ... I'll attach statements..I do not trust this mortgage company to be fair.
Product: Consumer Loan

I bought a 2005 XXXX 2005 last year, And I already had to replace the transmission. And, The finance company That I pay, stated that I still had to make my payments.They only gave me 1 month leeway on my bill, And I still had to pay for the form to get processed. So In still skeptical about this finance company because I 'm finding out they gave me a precomputed interest rate, which means they could of put extra interest on the vehicle.
Product: Credit reporting or other personal consumer reports

I am in trying to utilize my Veteran Home Loan, and I unable to do so with any, " dispute comments, '' on my credit reports. I have been in contact with all three credit reporting agencies for over two months as of this CFPB complaint about having these comments removed. After every phone call, I am assured that the comments have been removed. However after waiting the 72hrs for the comments to fully remove from my reports per credit reporting agency, they are still there or have re-appeared. My mortgage company 's credit manager keeps sending me screen snippets with the accounts still showing on my report. I called the credit reporting agencies again, and I was told that I needed to have the original debtors to have them removed, " since they are the ones that keep reposting it, '' per the credit agency representative. I spent three hours on the phone this morning going back and forth with different companies and not one company was able to see the comments on their end. No one is taking the responsibility to see the comments to have them removed, so I can purchase a house for my wife and XXXX kids. 
I need help removing the comments from : XXXX XXXX XXXX and XXXX XXXX  accounts showing on my credit reports. 

I have been trying since XXXX to have these comments removed, and they keep popping back up on my credit reports. This is impacting my ability to utilize assets that I have earned by being a XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Equifax, XXXX, and XXXX are reporting inaccurate information on my credit report. All three agencies have a different date opened for XXXX XXXX account # XXXX. Also, the high balance and the credit limit are not accurate. The last date reported is also inaccurate. The date of the last active is also incorrect, as is the date of the last payment.
Product: Debt collection

I ask them to correct information on my credit reports from all XXXX bureaus and they have failed to do so. I had a car loan from XXXX in XXXX, WI and they sold a false claim to them in the amount owed by me.
Product: Student loan

XXXX. I kept paying my XXXX student loans during the XXXX  freeze. 
XXXX. I saw that payments made during the XXXX  freeze could be reimbursed if you qualified for XXXX loan forgiveness. 
XXXX. I noticed that the qualifications for XXXX loan forgiveness had changed and I qualified! 
XXXX. Even though I had a balance of XXXX {$300.00} I applied through MOHELA for XXXX loan forgiveness. 
XXXX. My loans were forgiven and my already-low balance is {$0.00}. XXXX! Hooray for public service! 
XXXX. MOHELA says that I can't get reimbursed for my XXXX  payments because XXXX loans don't qualify for reimbursement. 
XXXX. I contact federal student aid to verify MOHELA 's claim and they .... don't answer my question and send me back to MOHELA. 
XXXX. Lenders have lied to/misled borrowers before about XXXX eligibility.
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX
Product: Debt collection

On Monday XX/XX/XXXX, I attempted a minor transaction with my debit card and I was informed that the transaction was denied. When I called my bank, XXXX, to inquire about the declined transaction, I was informed that my account was frozen ( put on hold ), and I was given a number to call ( XXXX ) XXXX which was listed as Peroutka & Peroutka Law Office. When I called the law firm, I was told that they were collecting a debt owned by XXXX  XXXX XXXX for an account attached to a checking account ending in XXXX. When I told them that I did not own any money to XXXX  XXXX XXXX, they said they would investigate this claim with their compliance department. The next day, they withdraw {$1500.00} from my bank account and attempted to withdraw an additional {$1500.00} on Wednesday ( today ), leaving my account in the arrears for {$1500.00} ( I had {$1500.00} in my account ). I spoke to a bank manager at XXXX and he and I called the creditors together and it was unclear what instrument ( credit card, loan, checking account ) they were collecting on and the representative said it was an old debt from XXXX that they couldn't collect on until now. I proceeded to go to XXXX XXXX XXXXXXXX and I spoke with a bank officer who searched with the help of the home office to see if I had any unpaid debts or balances on past accounts. My bank accounts were paid in full when they were closed ; I opened a new account at XXXX. However, they did find an old credit card debt from XXXX which had a balance of approximately {$3000.00} which I settled for {$260.00} with the XXXX   XXXX XXXX. I was told that this debt may have been sold to a third party and 17 years later they collected the debt. Is this possible? I wasn't contacted, served papers, or issued a lien ; my account/assets were just frozen and seized. Please assist me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I RECENTLY NOTICED IDENTITY THEFT SOMEONE USED MY NAME FOR ACCOUNTS
Product: Debt collection

XX/XX/2023 Creditor : AFNI Account number : XXXX Collection Agencies Creditor Address XXXX XXXX XXXX XXXXXXXX, IL, XXXX I am not liable with this debt for {$990.00} with AFNI nor do I have a contract with Afni Collections. They did not provide me with an original application like I asked. They claim to be collecting for XXXX cable in the amount of {$990.00} which is not accurate as i have an active account with XXXX and not Afni Collections.
Product: Debt collection

Hunter Warfield Inc. at XXXX XXXX XXXX XXXX. has been sending me collection notices in the amount {$1900.00}. The collection has been reported as pasted due balance. I do not know this company. I have never done any business with this company I have never done any business with this company. This company does not have a contact signature XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX Social security # XXXX Credit Bureau : Hunter Warfield Inc. 
Credit Bureau : XXXX XXXX XXXX. 
Date:XX/XX/XXXX Request Investigation of Credit Inquiry on My Behalf Dear Credit Bureau Representative , I recently reviewed a copy of my credit report on XXXX and noticed 3inquiries that were unauthorized, inaccurate, or made in error. 
The following inquiries are impermissible : 1. XXXX XXXX XXXX XXXX on XXXX at XXXX XXXX XXXX XXXX XXXX, MS XXXX at the amount of {$240.00} 2. XXXX XXXX and XXXX at XXXX XXXX XXXX. XXXX XXXX XXXX, VA, XXXX at the amount of {$390.00} 3. Hunter Warfield Inc. and XXXX
Product: Credit card

On XX/XX/year>, I purchased a pair of shoes from an online company called XXXX XXXX. To this day, the order remains unfulfilled. Initially, I received communication every XXXX months stating that they were experiencing production delays. However, by the following year, communication became scarce, and the company became unresponsive to my calls. 

I then reached out to my credit card company, Discover, through which the charge was processed, and opened a dispute case. I provided all the documentation and communication I had with the merchant. Despite this, Discover refused to refund me the money, even though I have not received the product for almost XXXX years. 

I called and spoke with a supervisor and re-opened the dispute. Discover said they would get back to me, but it's been over XXXX months, and every time I call, they say they have not reached a decision yet. I feel like I am getting the runaround.
Product: Debt collection

My credit report was ran and a collection from Ic Systems Inc representing XXXX a gas and electric company came up on my report. I got this information from XXXX XXXX XXXX XX/XX/22 So on XX/XX/22 I called Ic Systems Inc and they wanted me to pay {$470.00} to get the debt taken care of which is not my debt. I called XXXX myself and they never sent anything to a collection agency. 
I have XXXX XXXX the lady I talked to at Ic Systems Inc ) my bank card to put {$1.00} and my social security number to pull up my account. 
I believe this is a scam so I cancelled my card I gave her.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle handling disputes filed particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform I have used Zelle numerous times and despite reporting discrepancies my financial institution and Zelle failed to investigate my claim adequately they informed me that recovering my lost funds was impossible the CFPBs findings has indicated that not only has Zelle neglected to protect consumers but has also allowed repeat offenders exploit the system leaving userss vulnerable to scams on XX/XX/XXXX i had three transactions go to the wrong account and instead of the app verifying the person was the correct recipient it sent anyways bypassing the verification screen. upon contacting my bank institution, I was informed to reach out to Zelle, and after contacting them over the last few months I have still been in limbo about the transactions I have sent over the documentation asked, but I was recently informed that the funds will not be recovered, causing financial hardship. I am a single mother, so all money is crucial to my account. Please help me resolve this.
Product: Student loan

This started as a XXXX dollar loan from Sallie mae to attend school at XXXX XXXX University. The school claimed they were accredited but at that time they were not. I did not attend one day of class and asked to withdraw. I was told I would automatically be withdrawn because I didn't not attend class. Sallie mae continued this loan and placed a high interest rate to bring it up to XXXX dollars from a XXXX dollar original loan. I have called the school and they claim they have no info and navient is contacting me with rude reps. This is horrible I can not pay for something I never got and I am tired of navient contacting me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent in three dispute letters to XXXX and all three credit reporting agencies ( XXXX, XXXX, and Experian dated XX/XX/23, XX/XX/23 and XX/XX/23. XXXX and XXXX have removed this account however Experian alleges they verified it and will not remove it. 

This account is not my account nor am I an authorized user on this account. 
The account is reporting open ; for whom? Who is the account holder? Who is the authorized user? 
XXXX had violated my rights reporting an account that is not mine. They also did not respond to me in over 90 days which, is a FCRA violation for FCRA requires disputed item to be validated within 30 days or removed. 
Due to the delay in removing this erroneous account, it is causing me a hardship and has my credit score lower than it should be.
Product: Credit card or prepaid card

Once again a Capital One Cashback shopping reward credit has failed to show up in my account. This time it was for a XXXX purchase made on XXXX that had a 22 % cashback advertised offer activated and of course a week later fails to show up as even pending in my Shopping Rewards account
Product: Credit reporting or other personal consumer reports

I noticed an account on my credit report that should not be there. Uplift inc. this is a fraudulent account I asked them to take it off and the company did but later put it back on this was XX/XX/XXXX. XX/XX/XXXX I requested them to take it off and they sent an email stating I need to fill out this info. Also XXXX will not let me dispute this account and when I called them they did not even recognize the account on my report so I have no way to dispute this account with XXXX which is violating my FCRA right to dispute items on my report
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : ( XXXX XXXX, XX/XX/2021 ), ( XXXX XXXX XXXX  XX/XX/2021 ) I did not authorize anyone employed by these companies to inquire and view my credit report. This is a violation of Section 1681b ( c ) of the Fair Credit Reporting Act and a serious violation of my privacy rights. Validate this information with these companies and provide copies of any documentation associated with these accounts that bears my signature, authorizing a consultation. In the absence of such documentation with my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Product: Credit reporting or other personal consumer reports

Company continue to post inaccurate information on my credit report that was fraudulent open and belong to someone else
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureau is reporting a closed account from Clay Cooley Motor Company on my credit report. This account is over 7 years old and is closed. This is a violation of the Fair Credit Reporting Act to report an account for over 7 years. I have disputed this item several times with the credit bureau and the creditor.
Product: Mortgage

XXXX : Chase informed me, before signing mortgage documents, that I could re-cast my loan as often as I wanted. When I applied to re-cast, they denied it. 

Chase egregiously misinformed me ( whether through willful negligence or reckless negligence ) that some third party investor had a policy change which prevented them from re-casting my loan. 15 months later Chase finally confessed that they are the investor, not a third party, and it was their own policy that they changed and are now enforcing regardless of our agreement. 

DETAILS : Around XX/XX/XXXX, I was in the process of buying a new home and selling my old one. However, I would not sell the old house in enough time to apply the money toward the new home 's loan. I spoke with XXXX XXXX from Chase regarding their mortgage loan benefits. From XX/XX/XXXX through XX/XX/XXXX, XXXX XXXX, on behalf of Chase, informed me that Chase would allow me to re-amortize ( re-cast ) my loan if I signed my mortgage loan with Chase. The mortgage loan was signed in XX/XX/XXXX with the understanding that I could later apply the lump sum gained from selling the previous house and then re-cast the new loan with Chase. When I applied for the loan in XX/XX/XXXX I was denied. Chase stated there was a policy change. They have never told me which policy they're referring to, even after a direct request by me. At first, Chase claimed the mortgage contract itself prevented my re-cast. I read the contract thoroughly and there is no such language. I pointed this out to Chase, who then attempted to blame the VA on the change of policy. I contacted the VA and confirmed they had no handling or policy implementation. Chase continued to blame the VA, so I requested a written letter from the VA as evidence to Chase. Chase ( for the third time ) altered their claim that it was the investor, XXXX, who had the policy change. On XXXX XX/XX/XXXX, I was notified by Chase that they were previously incorrect and that Chase, themselves, were, in fact, the investor. Chase changed their own policy after I signed the documents and will not allow me to re-cast my loan. 
To this day, Chase still will not show me what policy they're implementing. They did not tell me of the policy change. Chase and I had an agreement and now Chase is no longer following that agreement. Chase has every opportunity to provide a path to allow my loan to be re-cast, which they agreed they would, and they are not choosing to uphold their end of the agreement. 

I would like my loan re-cast options restored. And I would like the money lost from this ( around {$15000.00} ) to be applied directly to the principal of my loan. 

Please feel free to contact me with any questions or concerns. 
XXXX XXXX XXXXXXXX XXXX