23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

A hard inquiry was done by Equifax, XX/XX/2016, it was concluded that it should not have been done., the company. Sent documents to all XXXX CRA 'S showing inquiry should be deleted. Equifax has not removed it yet. XXXX and XXXX have. Document from company was sent to verify removal to Equifax, they said they need a call or electronic submission, they said it was their policy. I want the inquiry removec
Product: Debt collection

This company has reported to a credit bureau that I currently owe debt to a phone company I have never had. I 've contacted this company to have it removed and for them to cease contacting me and they have continued to harass not only me but my family friends and MY JOB! I have dates and times of recorded voicemails that I have forwarded to my lawyers to prepare to file a class action lawsuit against this company
Product: Credit reporting or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no XXXX  party involved. Please review the uploaded letters..
Product: Credit reporting, credit repair services, or other personal consumer reports

I keep sending numerous sets of letters to Transunion so the excuse of we didn't get it '' doesn't happen but then nothing happened. It seems that they tend to ignore the trend and let this inaccurate accounts affect my credit score.Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. I am in desperate need of this item to be repaired : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

This began last Tuesday XX/XX/year>. My husband and I were moving into a new home that Saturday. XX/XX/year>. We had to get 2 certified checks in the amount of XXXX a piece totaling XXXX. I am a customer of XXXX and my husband XXXX XXXX XXXX is a customer of JP Morgan Chase. Because we needed the money by Saturday and my bank is located in Texas and would have had to mail the cashier checks I decided to transfer the money to my husbands account so that he can go into a chase branch and get the certified checks. I wired XXXX on Tuesday XX/XX/year>. It was unknown to us at the time that husbands account does not allow incoming wires. When the money did not hit his account we called, and thats when we were informed the money was being returned. Multiple agents told us the money was never accepted by chase which was completely incorrect. Chase accepted the transfer however did not apply the money into his account and never sent the money back to me. My bank has reached out to chase on multiple Occasions asking for the money back. The only response we received back from chase was that they needed permission from the account holder however they never deposited the money. My husband called Chase and they informed him of the same they needed his permission to send back money they never gave him, so he granted permission. Here we are over a week later and we still have not received the funds. We have called Chase everyday and still receive the same response that they are working on it. My bank has sent them a tracer that they have also not responded too. This action by chase has left my family homeless and spending additional money on hotel rooms. This is the most unethical thing I have ever seen from a bank to hold money that is not theres and not return it. We need our funds back immediately. This has caused a lot of stress for my family
Product: Debt collection

I was alerted by XXXX that there was a negative action showing on my account. I disputed the debt, but by dispute was rejected as being a proper debt. It is not. CBE has posted a collection against my credit in the amount of {$990.00} on behalf of Charter Communications d/b/a XXXX XXXX. CBE told me that I had to talk to XXXXXXXX XXXX fraud department. XXXX needed more info, as I did not exist in their system ( despite supposedly reporting me for collection ), so I called CBE back, with a XXXX rep on the line. The account number given does NOT exist in XXXX 's system. The address connected to the account in collection does NOT have my name on it, nor is it in default. Simply put, nothing in either company 's systems links to me, yet I am still in collection. Also note that I have never received a collection notice as required by law. I only found out through XXXX. 

Account # that is being collected uponXXXX Auxiliary #  provided that is most likely irrelevantXXXX Address associated with the account being collected upon : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, MI I was told by XXXX 's fraud dept. that this address does have an associated account, but that it is not in default and does not have my name on it. 



CBE GROUP XXXX XXXX XXXX XXXX XXXX, IA XXXX Phone number ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

fraud, also has XXXXXXXX XXXX XXXX who is that i don't know anything! i am trying to get an car, i have been XXXX  stuck in the house not able to even get a XXXX auto loan! this is defamation to my character and livelihood and need to be disputed off my credit immediately.
Product: Debt collection

Every month the creditor reports a {$1.00} increase to the balance owed - this amount is not monthly interest, I have not agreed to a payment plan so it 's not late fees, there has been no agreement of any kind that would warrant a monthly increase of {$1.00} to the balance owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried having a bankruptcy that is shown on my XXXX and Experian credit report removed and it has come back verified after each dispute. I contacted the Court where it shows the bankruptcy at and they state that they do not release public records to 3rd party reporting agencies. Without that information being released from the court this information is not verifiable.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple requests, the unverified item with  XXXX , inaccurate payment status, and inaccurate creditor contact information still remains on my credit report in violation of Federal Law. I have contacted  XXXX  via mail and have returned undelivered mail with inaccurate address on file, and via phone  XXXX  has told me I never had account with them. TransUnion is required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct which they deny that they dont have to have documentation on file. In the results of your previous investigation and subsequent re-investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law, I 'm a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. TransUnion is also reporting incorrect contact information, and payment status on report for the   XXXX   creditor.
Product: Mortgage

Complaint against : Freedom Mortgage XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NJ XXXX United States Lender NMLS ID : XXXXopens in a new window NMLS Consumer Access XXXX  Dates of Offenses : XX/XX/2020 through XX/XX/2020 To Whom it may Concern, I am writing this complaint in great sadness and distress. I have served my country for eight years in the XXXX XXXX XXXX XXXX with multiple XXXX  tours ; I have also been in XXXX XXXX  XXXX for 15 years. It is hard to put into words the unprofessional manner Freedom Mortgage treated me and, in an essence, try to steal my property with their actions. They have ruined my credit and flared up me XXXX  to the point that I have sought counseling from the VA to deal with this tragic event. 
Being thought by the XXXX XXXX and XXXX XXXX to be a man of integrity, I would expect a company managing a VA Loan would treat me with the same respect. I have been lied too, mislead, and put on the, backburner several times. The cavalier way Freedom Mortgage dealt with me possibly losing my home because of their companies errors is an atrocity.

This is not a letter of complaint based on opinion and can be backed up with documentation and phone recording Freedom Mortgage should have in their possession. I have had over 50 communication  with Freedom Mortgage since XX/XX/2020. Through these communications I have proof of being ignored, lied too, mislead, and talked down to. I filed complaints with Freedom Mortgage mangers with nothing but apologies without fixing the issues. In multiple occasion I got no response back from managers. I had to retain a lawyer to deal with their unprofessional way they handled my mortgage forcing me to sell my property to prevent Freedom Mortgage from stealing my property. Even when selling my property, they gave the Escrow Agents misleading information and did not respond to their communication to the point that the buyers almost backed out of Escrow. 
In conclusion, I have lost about XXXX in equity and my credit score has dropped almost 200 points. The damage that has been done can never be repaired. Through multiple obstacles I did the right thing and ensured the loan was satisfied and my property was sold without going into foreclosure or short sale status. I am seeking a lawyer to sue this company to fix Freedom Mortgages policies in procedures to prevent another Veteran to experience this. I am preparing a log and book with all the emails, letters, and phone conversation regarding this case. Even at the date of this letter, my VA  representative XXXX never received a response back from Freedom Mortgage regarding their formal complaint process. If you are reading this complaint it needs to be taken seriously if you care about Veterans and their families. I will be able to provide all documentation to prove my case upon request. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone is using my social security number on XX/XX/XXXX applying for nunberous credit cards and got approved for one in store card at XXXX XXXX there are numberous address on my credit report that I have never lived at..I have only lived in Ohio at XXXX XXXX address XXXX
Product: Debt collection

This company have obtained my personal information from a company without my consent of the consumer in order to sell personal private information. I have disputed this account & the {$1400.00} and have not received any information that has verified accuracy. The reporting status violates this company not sending me a XXXX form and conspires to tax fraud 18 USC 1028 Fraud and related activity in connection with identification features, and information knowingly and without lawful authority. The malicious intent of willful noncompliance causing damage to my consumer financial reputation without legal justification. Failing to provide proper forms falls under The False Claims Act, please cease and desist all communication in regards to this account. I have not received the accounting on this account which is unfair practices 15 USC 1692f. Please delete account from your records.

I have no knowledge of this collection account " I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX, XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists ''
Product: Credit card or prepaid card

I have an auto payment setup on my Barclays credit card from a XXXX checking account. In XXXX, I got large amount of fraud transactions on the checking account and those transactions continue for a week. XXXX bankers and I discussed about the issue and we have to freeze the account and investigate all the transactions. I filled reports to the police office and all the recommended agencies ( CFPB complaint # XXXX, XXXX Police Department case # XXXX ). During that time, an auto payment was made to my Barclays credit card from the frozen XXXX account. I made payment in time after the issue was fixed. However, I was still charged XXXX dollars on the next statement as returned payment fee. I called customer service and explained the situation. But they still insisted on charging the returned payment fee. There shouldnt be a fee charged to a customer when the returned payment happened because the customer was trying to fight fraud and protect his/her personal property.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I have scheduled ACH from my Checking account at NAVY FEDERAL CREDIT UNION to pay my XXXX XXXX Credit Card in the amount of {$400.00} using Navy Federal online bill pay center. 
I have left only {$200.00} in my account DELIBERATELY to see what will happen with this transaction while there are insufficient funds in the account. I did that as a test before I switch everything ( checking and automatic bill payments ) from XXXX XXXX XXXX to Navy Federal. 

Navy processed the transaction on XX/XX/XXXX and on their bill pay online system it was showing delivered and there was a confirmation number. Day later I found out that it was not processed and I was charged with insufficient funds fee, {$29.00}. It was still showing delivered with confirmation number. 

Nothing in their online system indicated that this transaction did not process or that it was rescheduled. 

On XX/XX/XXXX ( week later ) I found out that it was processed AGAIN WITHOUT MY KNOWLEDGE OR CONSENT! This time there was more than sufficient money in the account. 

This is where things escalated : While speaking to Navy Federal Credit Union customer service representative, after insisting to know why the transaction rescheduled and processed without ANY INDICATION THAT IT WILL, representative informed me that they have a THIRD PARTY COMPANY THAT DOES THEIR ONLINE BILL PAY SYSTEM FOR THEM and Navy Federal has nothing to do with online bill pay system. 

Nothing on the online system shows, warns or indicates that I was leaving Navy Federal website and that I was redirected to third party site. It is all still ( at least it appears ) on Navy Federal official online banking website. Please refer to attached screenshots. 

What is the name of that bill pay processing company? 
What is their address? Website? 
Should I be warned that some other company other than Navy Federal is processing the payments I make trough Navy Federal portal? 
Should I not get " you are being redirected to another site '' warning? 

I believe Navy Federal online bill pay system is misleading and I have chosen to trust THEM with my finances, NOT some third party company. 

Please investigate, Kindest Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Cell : XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX I made a payment of {$18000.00} with an effective date of XX/XX/XXXX. The payment was made on my Chase Credit Card ending in XXXX. The payment was subsequently honored by XXXX XXXX and debited from my checking account without delay. On XX/XX/XXXX I attempted to use my card ( which showed a small balance of approximately {$300.00} due to recent purchases ) to  make a purchase with XXXX of {$410.00}. Payment authorization was repeatedly denied by Chase. 

Upon further investigation and calling Chase I was advised that my payment was being " held '' until XX/XX/XXXX, with use not being allowed until XX/XX/XXXX. During that time without notice I would not have use of my approved credit limit of $ XXXX but instead {$76.00}. I authorized my daughter in law to speak on my behalf and she further confirmed the payment having posted to my XXXX account, that there was no advisement by Chase on my payment confirmation email, credit card statement terms or account profile on chase.com that the payment would be held. 

Chase Supervisor XXXX XXXX - XXXX, MO was also advised of the situation and that my payment had cleared XXXX on XX/XX/XXXX and that this was unacceptable. XXXX pointed my daughter in law to a clause in their card agreement that enables them to take up to 14 days to process a payment and make it fully available on my account. This is the 1st I've heard of this and have never experienced such treatment previously. 

I have been a customer of Chase for many years and have never had a late payment, over limit situation or any payment not honored by XXXX. If Chase intended on " holding '' my account/payment and not allowing me to utilize it I should have been notified. 

I am in the process of trying to move and this has created an undue burden on me for no valid reason.
Product: Checking or savings account

Suspicious activity charged {$96.00} to account by transferring funds to a new debit card. Issue was confirmed an error and refunded... account has been unaccessible since. Error found approximately XX/XX/year>. No response to emails, unable to speak with a live representative
Product: Mortgage

This is the second time I have applied for forbearance under the Cares act and the representative with whom I spent over half an hour in the phone with provided incorrect information or simply did not do their job. This is fraudulent. 
I called on XX/XX/XXXX and asked to extend my forbearance. I was told it was being processed. Unfortunately, their website is not up to date and its impossible to check if the work that Dovenmuehle says theyre doing is actually getting done. 
On XX/XX/XXXX I got a letter that my mortgage was past due. I called on XX/XX/XXXX and was advised the XX/XX/XXXX call I made resulted in nothing be done by Dovenmuehle. This representative advised that I shouldnt have applied for the extension until XX/XX/XXXX. I asked if that was something me as a consumer was expected to know or if I should have been advised by Dovenmuele. She apologized and said the representative should have reached out when he saw his error, but she could see that he did not. She stated she would submit the paperwork and I should call the following week to check up. I also asked her to reach me directly if there were any issues. She did not. 
I called again on XX/XX/XXXX and the representative state they are unable to see the status of my request and I need to call back later.

She also advised Im not eligible for forbearance because I had HelpNM pay some of the loan ( this is false informationanother complainthese employees of Dovenmuehle routinely overstep their bounds, providing false information, meanwhile the tasks that they should be doing simply do not get done ). 
The employee I spoke to on XX/XX/XXXX advised me I would have to pay everything back the day the loan exits forbearance and that if you get approved for payments through HelpNM that is a grant not a loan and you have to pay it back to the state. Both of these pieces of information are 100 % but providing customers with accurate information doesnt seem to be part of the job description at Dovenmuehle . 

Today i got a letter that I now owe on XX/XX/XXXX an amount t over {$150.00} more than my loan was before forbearance. Their math is all wrong and Im saving this document should I take them to court but Im sure they will lie again.

I tried logging in to see updated status as it has now been almost two and a half months since my initial request was submitted but apparently 2.5 months isnt enough time For them to update their online system. I ask : if it takes several months to update ( in fact my Forbearance from XX/XX/XXXX is not updated so 10 months isnt enough ) Their service reps lie and dont do their job. These calls are recorded and if CPFB chooses to do nothing I will look into a class action suit against Dovenmuele.
Product: Credit reporting, credit repair services, or other personal consumer reports

I send a letter to Equifax Credit Information Services incXXXX on XXXX to remove these accounts immediately which were wrongly reported on my credit reports : XXXX XXXX. Account Number XXXX the amount charged off is {$8600.00} ... Account Name : XXXX XXXX Account Number : XXXX amount charged off {$6300.00} ... Account Name : XXXX XXXX. Account Number:XXXX, Amount charged off {$2500.00} ... Account Name : XXXX XXXX XXXX.Account Number : XXXX, Amount charged off {$5900.00} ... Account Name : XXXX XXXX  XXXX/XXXX XXXX . Account Number : XXXX Amount charged off {$630.00}... It has been 30 days since I send my letters, the credit companies are not complying with their own policies in a timely manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have a fraud account on my report ive submitted all required documents to support my claim, the bureau claims that these documents were not in report as a cfpb rep clearly states that they are included as this report will also ... ... .. L J ROSS ASSOC IS A FRAUDULENT ACCOUNT I WILL LIKE TO HAVE IT REMOVED IMMEDIATELY
Product: Credit reporting or other personal consumer reports

Ive encountered serious issues with how my billing and payments have been reported, and its having a negative impact on my credit. According to TILA ( 15 U.S. Code 1666 ( b ) ), creditors are required to accurately reflect payments and credits, but this hasnt happened in my case. Payments Ive made havent been properly recorded, and there are clear calculation errors in the reported balances. To make matters worse, I was not given the required 21-day notice before my payment was due. Because of this, any late payment marks on my account are invalid and should never have been reported in the first place. These mistakes not only violate federal law but also unfairly harm my credit and financial reputation.