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

The following companies have hard inquiry pulls on all XXXX of my credit reports, the hard inquiries were not authorized. 

XXXX XXXX XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXX-Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX-Inquiry Date : XX/XX/XXXX XXXX  XXXX XXXX  XXXX-Inquiry Date : XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXXXXXX XXXX XXXX XXXX-Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX-Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX  : Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX : Inquiry Date : XX/XX/XXXX XXXX  XXXX  XXXX : Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX  : Inquiry Date : XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX : Inquiry Date : XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX XXXX  : XX/XX/XXXX XXXX XXXX XXXX : Inquiry Date : XX/XX/XXXX XXXX XXXX, XXXX XXXX : Inquiry Date : XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXXXXXX : Inquiry Date : XX/XX/XXXX XXXX  : Inquiry Date : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  : Inquiry Date : XX/XX/XXXX XXXX XXXX : Inquiry Date : XX/XX/XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XXXX : XXXX Date : XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX XXXX-Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX  : Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX : Inquiry Date : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Late payment reported XXXX XXXX Late payment reported XX/XX/2022 Payment Made in Full Furthermore, the FAIR CREDIT REPORTING ACT 15 USC section 1681 ( 2 ) ( a ) ( ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.-Except as provided in paragraph ( 3 ), the term " consumer report '' does not include.

( A ) Subject to section 16815-3 of this title, any.

C ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC section 1681.
Product: Checking or savings account

My deceased wife XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX passed away on XX/XX/XXXX and I am the executor of her estate. Throughout the winter and spring of XXXX XXXX, I found out that our former terminated home aide had committed fraudulent activity on many of XXXXXXXX XXXX  credit cards and checking accounts very soon after XXXX passed away. Including her Bank of America accounts. I reported this to Bank of America. And I since learned that Bank of America filed a creditors claim against the estate in XX/XX/XXXX. XXXXXXXX XXXX estate attorney advised us of this creditors claim. Through emails and phone calls, I have been trying to get in contact with Bank of America to obtain a status of the fraud claims we filed so we can resolve the creditors claim. I have been told that only XXXX XXXX of the Bank of America Estate Department can help us. I, along with XXXX XXXX of the Bank of America XXXX, NY branch office have been trying to get in touch with Ms. XXXX to assist us and she has failed to respond to myself or Mr. XXXX. Mr. XXXX has tried calling and emailing Ms. XXXX. In addition, I have sent Ms. XXXX several emails and have gotten no response. This has been going on since early XXXX. All other outstanding issues with with regard to XXXX 's estate have been reconciled EXCEPT for the Bank of America issues. It is of utmost importance that I speak with Ms. XXXX or her supervisor or anyone at Bank of America so I can resolve the creditors claim and move forward with probating Jewel 's estate. 
My daughter has been assisting me with this process. After several months of no response, she contacted the CFPB. Bank of America requested an extension to research the complaint my daughter filed. And after 2 months of Bank of America promising that they would send a response, their sole response was that they couldn't speak to my daughter and thereafter closed their file. What is particularly frustrating, Ms. XXXX and XXXX XXXX, of Regulatory Complaints at Bank of America did call my daughter upon receiving the complaint and at no time, did they raise the issue that they couldn't communicate with my daughter. I just need someone at the bank to respond to me so we can close out my deceased wife 's estate. All distributions are being held up until the Bank of America resolves the claims.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to dispute a wrong address with experian online. When I pick identity theft for the reason of a wrong address they give " That reason can't be processed online. Please contact us by phone for assistance at XXXX '' This number goes to a recording with NO help and ends up terminating the call. There is no menu choice to deal with identity theft.
Product: Student loan

I am an XXXX XXXX XXXX XXXX member with a student loan account with FedLoan Servicing. 

I am enrolled in the Public Service Loan Forgiveness Program and currently on track to have loans forgiven in XX/XX/XXXX. I file for employment certification every year. My last accurate count of qualifying payments was on XX/XX/XXXX. In XX/XX/XXXX, I was notified FedLoan servicing had a computer glitch that erased 25 payments I made from XX/XX/XXXX through XX/XX/XXXX. I was told that they would need to manually recount and it would be done promptly. 

Here it is almost 10 months later and they have yet to fix this error. I am still missing 25 payments due to THEIR computer glitch. I have provided them documentation to show FedLoan previously certified those payments and I provided them records that I was making all those payments under an income-based plan. 

I have called over a dozen times and I get different information every time about the timeline and what they are actually doing with this review. This company has been derelict in its duties and I am running out of patience. I dont trust anyone that I talk to there ( in fact, one person I talked to last week said my concern about trusted advice is valid ). 

I have waited 10 months for a resolution - to get these past 25 payments certified a second time. I have done my part, and this company has not. 

This is urgent as I am only several payments away from completing this program. 

Thank you. 
XXXX XXXX XXXX
Product: Debt collection

A few years ago I was a victim of identity theft which led me to make a feredal report and collect all the evidence of a bank account opened in my name and tax reported to the IRS under my social. At the beginning of 2021 I received a debt from the IRS which I did not recognize and requested an investigation which was to my credit. I have many fraudulent accounts in my credit report, some have already been eliminated but there is one that continues to report negative I have had several disputes and I have communicated with the company but I have not been able to resolve the case. I have sent them the proof of identity theft and even so they have stopped reporting in collection. Since XX/XX/2021 I am trying to solve this problem without satisfactory answer.
Product: Mortgage

I was told by Citizens Bank that a loan modification was granted to me and my husband on XX/XX/XXXX. I received the loan modification offer via mail on XX/XX/XXXX. I reached out to Citizens Bank to get more information, but Citizens Bank was not clear to me on what I had to do. I decided to wait until Citizens Bank communicated with me. On XX/XX/XXXX I called citizens Bank to see what was the status on my loan modification offer because the offer I received back in XXXX stated the offer expires XX/XX/XXXX. The customer rep I spoke to at Citizens Bank on XX/XX/XXXX told me they sent the paperwork that needed to be signed, to a notary in my area and that the notary was supposed to call us to come in and sign it..I told the customer rep we never heard from any notary regarding this. So I asked the customer Service rep at Citizens Bank to send us the paperwork and my husband and I will go to a notary and have it signed. She agreed and ordered the paperwork to be sent to us and said we would receive the paperwork in 2-4 business days, via XXXX. When I did not receive the paperwork I called Citizens Bank 4 more times and got a different response as to how long the modification paperwork would get to us. The last person I spoke to at Citizens Bank said we will have the paperwork within two weeks. I t is now over 2 weeks and we still have not received it. I am submitting this complaint because we need your help in getting this taken care of. We are past the XX/XX/XXXX deadline for this modification offer. Also, the last rep at Citizens Bank told us they will only foreclose if we did not agree to the loan modification. My husband and I desperately need this loan modification to happen as we don't want to lose our home. With this loan modification we won't have to pay in arrears and the new monthly mortgage payment is manageable. If you need any more information please contact me at XXXX or email me at XXXX. Attached is the loan modification offer we received from Citizens Bank on XX/XX/XXXX.
Product: Mortgage

PNC Bank is the servicer of my mortgage loan. I am the successor of interest to the borrower, and I am the resident and record owner of the property that is subject to the loan, which is currently in foreclosure. 

I applied for and received a conditional XXXX  XXXX  of {$50000.00} on XX/XX/2023, to cover part of the reinstatement amount of {$110000.00} in order to save my home. Through my XXXX  XXXX, I reached out to obtain a loan modification in conjunction with the XXXX XXXX  to cover the remainder of the arrearage but was informed on XX/XX/2023 that PNC does not offer that option. 

On the Frequently Asked Questions page of its website, HUD has clarified the guidance in its HUD Mortgagee Letter 2023-03 that borrowers who seek to combine XXXX XXXX  with a XXXX Recovery Modification must be given that option by mortgagees, so long as that option is allowed by the States HAF program. XXXX clearly allows that option as part of the " XXXX XXXX. '' PNC Banks failure to allow me to combine my PAHAF award with XXXX of the XXXX Home Retention options violates XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and HUDs Mortgagee Letter 2023-0XXXX.
Product: Debt collection

I demand the immediate removal of fraudulent accounts from my credit report. The associated banks confirmed identity theft and assured removal. Compliance with the law mandates their removal. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX, an individual made fraudulent online purchases on XXXX. The purchases ( 4 items ) totaled more than {$3100.00}. I went to my local Wells Fargo branch and immediately filed a fraud claim in an attempt to recoup the money that was taken. The original checking and savings accounts were closed to avoid further fraudulent transactions, and new accounts were opened. Money was returned to my account in the form of provisional credit and Wells Fargo continued their investigation. 

Today, XXXX XXXX, XXXX, I woke up to more than {$3100.00} being removed from my account by Wells Fargo, and the detailed information said it was a Card Claim Reversal of Provisional Credit. I don't have record of Wells Fargo notifying me of the impending action, and I certainly didn't have the money for that amount to be taken out. Their action virtually wiped out my checking and what little savings I had. 

Here 's what I know regarding the purchases leading up to this complaint : 4 online purchases were made on XXXX on XXXX XXXX ( cleared on XXXX XXXX ) XXXXXXXX XXXX. for {$74.00} XXXXXXXX XXXX. for {$3000.00} XXXXXXXX XXXX. for {$74.00} XXXXXXXX XXXX. for {$8.00} The transactions show up as two separate transactions on the original checking account ( {$3000.00} and {$150.00} [ the sum of the other XXXX purchases ] ) The items ( XXXX XXXX ) were picked up at XXXX XXXXXXXX XXXX # XXXX, which is in XXXX, Texas, near XXXX, a XXXX drive from where I live I spoke with a person ( XXXX ) in the Wells Fargo Fraud Division today and went over specifics. He said during their investigation and dispute with XXXX XXXX regarding the transaction, it was determined that sufficient evidence was supplied to indicate the purchases were authorized, although I never made nor authorized them. He said this is essentially a one-and-done process and that because of the finding, they could not refile the claim/dispute and that it was now considered a closed claim. I was not provided any other recourse or remedy. XXXX that the claim was closed and it's unfortunate that I was losing that significant amount of money. As part of that decision, they took back the {$3100.00}. 

I do not feel Wells Fargo represented my best interests in this matter and failed to perform their due diligence during their investigative process. Had they done so, I believe the result would have been different and this fraudulent act could have been corrected. Instead, I'm left paying for something someone else did that has and will negatively impact me for some time.
Product: Credit reporting

Found a hard inquiry affecting my consumer credit report from '' Experian XXXX '' Dated on my consumer report dated XXXX XXXX 2015. NEVER asked Experian XXXX or their assignees for business credit.
Product: Mortgage

I had a mortgage with XXXX XXXX XXXX. I attempted several times to obtain a modification unsuccessfully. I attempted to short-sale unsuccessfully. The name of the game was DELAY, DELAY, DELAY. My home at XXXX XXXX XXXX XXXX, XXXX  XXXX was eventually foreclosed on. I am including the documents. CFPB received a response from XXXX XXXXXXXX XXXX now XXXXXXXX XXXX on XX/XX/2018 on a complaint I filed to be included in the settlement that XXXXXXXX XXXX, XXXX XXXX and now Ocwen Loan Servicing are all attached and in the loop. This is the same problem some seven years later now of one finance institution transferring the loan to another finance institution to another serving institution in order to avoid working with the home owner.It can get so confusing that they hope the consumer ( home owner ) gives up. They are then off the hook. NOT HERE! I am now filing my complaint against Ocwen Loan Servicing, LLC. I would appreciate CFPB contacting Ocwen and  getting their response or better yet Ocwen resolving the issue by sending me my portion of the settlement. Anything less then once I receive a different response, then I can turn all this over to my attorney who awaits Ocwen 's response. Then we can let the attorneys work out a settlement. I have not been contacted by Ocwen by letter or phone over the last five and a half years since moving to XXXX XXXX and since my home was foreclosed on.
Product: Debt collection

My wife and I moved to XXXX  from XXXX  on a rescue mission for our XXXX  age XXXX at the time. I rented a home at XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX through XXXX XXXX XXXX XXXX in XX/XX/2019. On XX/XX/2019 we gave notice to move as we have bought a home. We moved out mid XXXX having paid the full month 's rent of {$1900.00}. In addition, I paid a pro-rated amount for the 9 days of XXXX of {$380.00} to make it a full 30 days notice. This is standard notice when vacating a property. XXXX had 6 weeks to show and rent the house. 

We left the home in exemplory condition with full cleaning and removal of all items and belongings, trash of every kind. 

XXXX, did not return our security depost of {$1900.00} and in return sent us a demand letter of payment in the amount of {$4200.00}. 

They have now hired Capital Accounts of XXXX to collect the sum. ( see attached ) With Covid a major concern these last years I find it appaling that they would go to these lengths to outstanding renters that went above and beyond to even pay a prorated amount to honor our 30 days notice. They had ample time to rerent the home but choose to charge much more for the home and leave it unrented Furthermore we even advertized the property for free for XXXX and forward interested parties to their attention, which they did nothing with. On follow up with these parties I was to find that they either did nothing with the inquiries or did not make appointments to show or the parties were completely ignored. 

I have attached two bank statements showing the payments mentioned above and a copy of the original lease as well as the demand letter by Capital Accounts. 

Thank you XXXX XXXX
Product: Mortgage

I have made numerous requests to my mortgage company over the last year to send me ( on paper and signed ) the amount of money I need to send them in order to pay off my PMI..Not only have I never received this but I was told last week that they do not have to send me it in writing or email.I have also been told that no one at this company is really familiar with how to do this- paying off PMI 'S. This is a simple request -I am at a dead end after speaking to the Supervisor last week -XX/XX/XXXX- Her name is XXXX XXXXThank you !!
Product: Vehicle loan or lease

I got my auto account paid off through a banker 's check # XXXX US {$73000.00}. This check got mailed to the creditor Ally Financial Payment Processing Center XXXX XXXX XXXX XXXX, Arizona XXXX on XX/XX/2020. 

The payoff was good until XX/XX/2020. That day came and went, and Ally is unable to confirm receipt or processing of the check and continue to charge me interest daily. The company maintains that its XXXX processing center can not be reached by phone by their call-center representatives, and an email sent to the center by one of the managers on XX/XX/2020 has allegedly not yielded a reply to date. 

On the XX/XX/XXXX of this month, I got compelled to issue a phone payment of US {$400.00} to avoid being reported delinquent to the credit bureaus. The whole amount was consumed by interest, leaving the principal balance and payoff amount about the same. 

This week Monday, XX/XX/2020, we canceled the initial check at the request of Ally Financial and reissued a new Banker 's Check # XXXX for US {$73000.00} which was overnighted to their processing center in XXXX, Kentucky via XXXX ( Tracking # XXXX ). The check was received and signed off by a XXXX at XXXX XXXX the following day. However, at the time of writing this complaint Ally has not credited my account and the representatives maintain that they can not explicitly track the exact location of the check and all I have to do is wait. This is at the expense of interest rates that continue to accrue on a daily basis. 

I find their inability to communicate with their payment processing department a deliberate effort to hold consumer payoffs to maximize on profits based on daily accrued interests. 

Each time I call, I get talking points with no tangible help whatsoever, the latest being that the checks are handled by machines and no human can track it until it posts into a consumer account. 

I am requesting the intervention of the Bureau and that of Ally 's higher management to expedite the processing of this payoff and to get a refund of all interest charged since XX/XX/2020, which was the date of the initial payoff. 

Regards, XXXX
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against [ Credit Bureau Name ] regarding inaccuracies in my personal information as reported in my credit report. 


Details of the Dispute : XXXX. Incorrect Name : My current legal name is XXXX XXXX XXXX, but it is incorrectly listed as XXXX XXXX XXXX on my credit report. I request that my name be updated to reflect the correct information. 

XXXX. Outdated Address : My current residential address is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, while my credit report shows an outdated address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I request that my current address be updated accordingly. 


XXXX. Incorrect Wrong Date of Birth : My correct Date of birth is : XX/XX/year> Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license and Social Security displaying my correct name. 
A recent utility bill or bank statement showing my current address.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an incorrect address that appears on my TransUnion credit report. In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), I request that you remove the following incorrect address from my file as it is not associated with me and may lead to potential confusion or misrepresentation of my credit information. 

Incorrect Address : XXXX. XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX CA XXXX Please note that I have not resided at or used the above address in any capacity, and I am concerned that its presence on my report may affect the accuracy of my credit file.

As required by the FCRA, credit reporting agencies are obligated to ensure that only accurate information appears on consumers ' credit reports, and I respectfully request an investigation into this matter.

Please complete the necessary investigation and provide written confirmation that the incorrect address has been removed. I trust that you will treat this request with urgency to ensure the accuracy of my credit file. 

Thank you for your attention to this matter. I look forward to a prompt response confirming the removal of the erroneous information from my report. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is currently in litigation due to deception and predatory lending practices. This account falls in that XXXX - XXXX timeline. They were asked to provide information below several times and failed. The original account- XXXX XXXX Bank was charged off. On XX/XX/XXXX Judge once again ordered XXXX XXXX XXXX to provide 1. Balance and all payment history I have supposedly submitted/not submitted, what the payment is for ; 2. Provide 1099c and credit insurance ; 3. Provide original signed contracts with me and XXXX XXXX XXXX ; 4. Provide payoff disclosures, interest rate disclosures ; 5. Provide collections ; license number and court documents that allow XXXX XXXX XXXX to continue to pursue this debt in Florida ; 6. Provide documents that states this account was purchased or are you collecting on the original account holders behalf. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to " promptly DELETE all inaccurate information. '' In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions The Credit bureaus Experian and XXXX stated my account was properly investigated but how is that possible if the Last reported is inaccurate, Date of Last Activity is inaccurate and date of last payment is inaccurate. This is a clear FCRA violation and is grounds for deletion.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brough to my attention that there are inquiries that I dont recognize and didnt authorize XXXX XXXX XXXX XXXX ) XX/XX/2021 TD AUTO FINANCE ( Finance ) 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 am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA. ) Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA. ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.