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

The company has placed an account on my credit report that is not my account. They sent me a contract that was signed and its not my signature. The original company XXXX XXXX placed an account on my credit report stating that I owed them {$400.00}. I disputed this account with the credit bureau and they removed it after I tried to write the company on XX/XX/XXXX and the letter was returned to sender. Thereafter XXXX XXXX, another buyer bought this account and it was removed from my credit report after I disputed the account. I received a letter from Huffman company on XX/XX/XXXX, stating that I owed this money. I have explained to the credit bureau that this was an fraudulent account and I did not open it. I disputed this again with the credit bureau and they said that the information was verified by Huffman & Vance. This company added this account to my credit report and stated that I opened this account with them in XX/XX/XXXX with is inaccurate. I received an letter from the Huffman company with a copy of a signed contract. This is not my signature. This account does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted a request for account validation on different accounts from XXXX. I requested that they send to me the files they used to verify the accounts and the name of the person they verified with. They have ignored my request on 2 different occasions and continue to send me updates that the account has been verified without proof as required under the FCRA section of 1681 ( a ) ( 4 ), they is negligent noncompliance and a violation of Federal Law. Being that they are unable to verify and send information as to how it was verified it should have been deleted and they refuse to delete as well. I have been sending letters to them since XXXX XXXX, 2017 and it is well over the 30-45 days in which they are allowed to send over the validation or DELETE the item from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted an application for a credit card and received a declination letter. The credit score that Chase bank used was different from the one from XXXX credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX 2016, XXXX XXXX charged my XXXX XXXX XXXX XXXX Dollars ( {$2.00} ) without my knowledge and without any basis. The amount was charged but not billed. 

I learned about the charge a few months later. I disputed the charges. XXXX removed the charge immediately, however, XXXX has made two negative reports on my credit report for such XXXX Dollars ( {$2.00} XXXX. 

I tried to have XXXX remove the negative reporting but failed. 

I request XXXX to remove the negative reporting. 

I request penalties be assessed against XXXX for improper and fraudulent charges and for fraudulent negative reporting.
Product: Debt collection

THIS CREDIT COLLECTION COMPANY HAS BEEN WRITING ME LETTERS STATING THAT I OWE THEM MONEY. I NEVER HEARD OF THEM. IN THE AMOUNT OF {$240.00}. 
I NEVER BROUGHT ANYTHING FROM A CREDIT COLLECTION. 
I NEVER ENTER INTO ANY AGREEMENT WITH A CREDIT COLLECTION I DONT OWE THEM ANY MONEY WITH A CREDIT COLLECTION I NEVER SIGN UP WITH A CREDIT COLLECTION I NEVER PURCHASED ANYTHING WITH A CREDIT COLLECTION IF NO PROOF OF VALIDATION PLEASE DELETE THIS ACCOUNT FROM MY CREDIT REPORT IMMEDIATELY.
Product: Mortgage

Hello, It's currently XXXX XXXX  and I am up writing this complaint because I overwhelmed with the current situation with my mortgage company, M and T Bank. On XXXX, XXXX, I had a pipe that burst in my kitchen and caused water damage. I immediately had the pipes repaired and started the drying process. I submitted the claim to my insurance company and they released the check which arrived this week. When I contacted M and T Bank to get an address to mail the check, I was told that I have to wait for the approval process to release the check because my mortgage is delinquent. I mentioned that my mortgage is in forbearance because I lost my job due to the pandemic and that I don't believe it's considered delinquent. I was then told how the process would work and the money I have already paid to start the work, I'm welcome to send receipts and they will reimburse me. I was a single mom of XXXX daughters when I purchased my home. I supported my daughters through college and worked as a XXXX XXXX until my office closed due to XXXX. The home I purchased was almost in foreclosure and a lot of work when we moved in. I have invested more than XXXX into my home and have every intention to restore my home to the way it was. When you read about the insurance payment process online, they articles tell the homeowner to be kind, patient and polite to the lender if you want to get the funds released in a timely manner. We need our home restored and I have no intention to lose our home. I felt like the conversation was threatening and I was even told by an employee when I first called that I do not want to go down the road as if my loan was delinquent and have them micro manage the process. I have had my home for 5 years and have never defaulted on a payment. I am asking for help to get the funds released so I can complete the work and move forward with our lives. Once I go back to work, my plan is to refinance the home and the pay off the forbearance payment.. If you look at the website to submit a request for payment, the process will take months to complete and I believe I will be hararrased as we go along. I know they have an invested interest in the property and so I do. Are there any guidelines that can protect this process and ensure the work in my home will be completed efficiently? I live in California and the company in PA. They told me they have to find an adjuster to come by and review the progress. I am willing to upload pictures which should suffice or the adjuster can come upon completion, Do I have rights and if so, can I please be advised?
Product: Mortgage

XX/XX/2018 I was trying to pay my mortgage and was told that my mortgage payment had increased by {$800.00} I immediately called the mortgage company and was told that someone would get back to me, I have called almost weekly to this date I have asked for the Manager and was told that they were researching it but no one will return my calls or answer the line Im having to leave messages and the rep is having to email. I am currently behind on my mortgage because they will not except my payment unless it is {$2500.00} which I don't have, I am receiving collections calls, people are coming to my home leaving foreclosure pamphlets in my door and today I received a letter from a collections agency demanding payment in 30 days or foreclosure processing will start. Can you please help me I am a normal person trying to make it I can not afford for my mortgage payment to increase in this magnitude and I can not loose my home because someone did not do what there suppose to do as I have been doing everything I was asked to do and have not been late on my mortgage prior to this.
Product: Credit reporting or other personal consumer reports

Payment Never Late Account " XXXX XXXX '' is reporting inaccurate information for XX/XX/XXXX and XX/XX/XXXX, Payments are reflecting late on my Experian credit profile. This is inaccurate reporting I initiated a dispute with Experian on XX/XX/XXXX, via the online Experian Dispute Portal about the false late reporting. Although an " investigation '' was launched, Experian failed to perform a proper investigation. 
I asked Experian to please adjust the payment history to reflect current. I have never been late on this account or any account. 

Today XX/XX/XXXX Experian informed me via the online portal that the information was updated and that the investigation had been completed. But the only information that was updated was the balance. The inaccuracies remain on my credit file. 

Months XXXX XXXX XXXX and XX/XX/XXXX for Account XXXX, were NOT late.
Product: Debt collection

I served Wakefield and Associates a notice of debt validation and a cease and desist letter dated XX/XX/year> via certified mail. This notice was delivered XXXX XXXX at XXXX XXXX. On XX/XX/year>, my consumer report furnished by XXXX reflects that on XX/XX/XXXX, an account owned by Wakefield and Associates was updated with regards to the alleged debt. This shows willful noncompliance of notices received. This is a violation under title 15 for " unfair or deceptive act or practice " which is enforced by the Federal Trade Commission.
Product: Checking or savings account

SunTrust Bank closed my account for no reason and gave no reason in their letter I received regarding the closing of my account. In the letter it says that it is going to be 15 business days before the funds are returned to me. Its been well after 15 days and so I called them and now they said it is going to be the end of XX/XX/XXXX! This is nuts!!! 
There was XXXX dollars in my account when they closed it. This bank is a fraud!
Product: Mortgage

The loan payment for XX/XX/2024 was paid from an account with XXXXXXXX XXXX XXXX  XXXX ending in XXXX. The payment was made through the online system with Fay Servicing. There have been multiple payments made through this process. I was informed by Fay that the payment was not processed due to something wrong with the account. There was no change of the account number and now Fay is running late payment and default interest. I emailed my dispute and am now talking with the servicer as writing this after they called before XXXX XXXXXXXX XXXX  I am unable to change the account number in the system so not an issue I created. I am asking that late payment and default be adjusted.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX Account number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

To Whom it may concern, I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible.
Product: Credit card or prepaid card

XX/XX/XXXX i stayed at the XXXX XXXX location I had to a pay XXXX $ security deposit. I checked out XX/XX/XXXX the funds where released by the hotel. Starting around the XXXX of XXXX I called about my XXXX $ not being in my account I called the hotel they reassured me that it has been released I called Chime they said to talk to the hotel I told them I did that before calling them they said wait 10 business days. I called back the XXXX of XXXX, and was told the same thing. I had to argue with the rep cause I have already been told that, I went on to call chime back on 3 way with the XXXX XXXX. ( XXXX ) Chime employee and Hotel manger talked about issue the hotel manger offered to give the 6 digit release code which was missing the chime employee told us he could not accept that and he had to put in a dispute. I put the dispute in for my XXXX security deposit missing. The dispute was not filled out correctly XXXX dispute number closed ( XXXX ). And now I have to fill out another dispute My thing is how was the dispute filled out incorrectly when I was asked very specific questions and I gave correct and honest answers I was asked how much the charge Im disputing was XXXX The card I used credit And the date of the transaction XX/XX/23 How did yall give me back XXXX but not the XXXX I originally put my dispute in for. 




and wait another 30-45 days. No one will help me I keep getting passed around to department to department. Even the dispute department told me to call the hotel again and check and seee if they release the money, my dispute not only was it handled improperly it was not handled in a timely matter. No one knows the protocol and I have requested my documents for this dispute and was told I have to wait till its closed I waited and now. Im told now my request has to be sent to a different department and I have to wait 10days. This is to emotionally draining and I have been crying even on the phone with your reps I feel as if Im being bullied by a big corporation and Im never going to get my money back no one knows how to fix my issues and they dont care. I suffer from XXXX and XXXX and to be put in this mindset is not easy for me to shake I work really hard on my mental health and I feel as if chime the company not only is stealing money from their customers but also causing terror in they lives.
Product: Debt collection

I reached out to Nordstrom also i spoke with them so many times also send letters in what they asked for they responded back with another account I dont have no knowledge about the correct account Im complaining about is account number XXXX i was the open the account in 2015 but someone got my account and made charges my wallet was stolen out my car my identity been stolen before prior to this and all Im asking for is the charges i didnt make be removed and my account be fixed
Product: Money transfers

I submitted an online money transfer via moneygram.com due to them advertising XXXX minute transfers using debit/credit cards. I submitted the transfer at XXXX eastern time; however I didnt receive a confirmation/reference number via email as they stated so i waited a while in case it would take a little longer. At XXXX I called the customer service number to check the status of my transfer because their ad states up to an hour. when i spoke to a rep at XXXX I was told it will take another hour and XXXX minutes to complete my transaction; I then pleaded and asked could they process it quicker and honor the their promise of 10 minute transfers, because my husband was out of state and needing the money. I was told they were experiencing high call volumes/transactions and he couldnt do anything about the wait time and it would take XXXX as he stated. It is actively now XXXX eastern time and the money is still not available. It is exactly XXXX minutes since I called to follow up. Moneygram should not be allowed to market a XXXX minute electronic transfer if they are not going to honor it. In this day of technology there is absolutely no reason why it should take more than two hours and counting for something promised at XXXX minutes. This is affecting the livelihood of consumers who use this service. The purpose of utilizing a XXXX minute transfer is because we have an expectancy of fast delivery (XXXX minutes). Today is Saturday XX/XX/2015 at XXXX which means we now have no access to banks and bank transfers as an alternative so we solely depended on this Moneygram transfer as a resolve. At XXXX most moneygram locations/agents will be closed. This means that my receiver will not be able to access the immediate/emergent needed funds until tomorrow.
Product: Checking or savings account

This matter occurred at Chase Bank, XXXX XXXX XXXX XXXX, XXXX, AZ XXXX. 
On XX/XX/2020 I attempted to withdraw {$1200.00} from an ATM within the branch.The money did not dispense.I called over a bank employee and told them what happened.They took me to another ATM and showed me that there was no transaction and assured me I didn't have to worry about the {$1200.00} as it was not dispensed.They directed me to use a different ATM which correctly dispensed the {$1200.00}. When I received my bank statement, it showed 2 x {$1200.00} withdrawals. I called Chase. They've conducted 3 investigations and continue to insist I received my money. I asked them to provide proof and to share camera footage. To me, the camera footage would clearly show that I did not get my money and that I reported the matter to a bank employee. They said they would only share camera footage if I file a police report. I tried to file a police report but the police department said this is not a criminal matter and would not take a report. I am at a loss as to how I can get my {$1200.00} back. The bank will not help me yet they have my money. It is unbelievable to me that a bank could do this to anyone.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I XXXX XXXX refuse to pay this debt, my dads ice cream truck caught fire all monies is now tied up.
Product: Student loan

Background : - Checks for loan payoff were mailed on XX/XX/2023 - As of XX/XX/2023, Nelnet is not showing any and/or all payments- Confirmed with Title Company that funds were taken out on XX/XX/2023- This is for myself and my husband. 

Check Numbers and the Amounts : Check XXXX U.S. Department of Education {$4400.00} Check XXXX U.S. Department of Education {$5600.00} Check XXXX U.S. Department of Education {$8900.00} Check XXXX U.S. Department of Education {$870.00} Check XXXX U.S. Department of Education {$1300.00} Check XXXX U.S. Department of Education {$1300.00} Check XXXX U.S. Department of Education {$1700.00} Check XXXX U.S. Department of Education {$2800.00} Check XXXX U.S. Department of Education {$3600.00} Check XXXX U.S. Department of Education {$3700.00} Check XXXX U.S. Department of Education {$3900.00} Check XXXX U.S. Department of Education {$4400.00} Order of Events : XX/XX/2023 : - XXXX - Reference ID : XXXX on XX/XX/2023. On XX/XX/XXXX, XXXX mentioned despite the checks being cashed by Nelnet that they could not locate them and requested that we send evidence of check numbers and the amounts. 

XX/XX/2023 : - XXXX ( referenced above ). Was able to locate the checks and put in a request to have operational accounting allocate the checks to the accounts. Mentioned it would take 7-10 Business days to show on the account despite Nelnet cashing the checks on XX/XX/2023. 

XX/XX/2023- XXXX mentioned there has been no updated on the account but showed the request in the system. 

XX/XX/2023 : - XXXX ( Employee ID : XXXX ), mentioned she sees the request in the system but informs me to wait until the end of the day given it is the 10th Business Day. 10th Business day meaning it should be rectified on XX/XX/2023. 

I have called/emailed Nelnet several times and they are not addressing the issue efficiently and constantly come up with excuses. If Nelnet cashed the checks which already had account information, name etc, it should have shown in the account.
Product: Credit reporting or other personal consumer reports

I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than XXXX days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Product: Checking or savings account

Wells Fargo bank refuses to credit back my checking account with a total amount of {$990.00} from XXXX transactions I DID NOT make neither authorized on XX/XX/22 all made on the same day. XXXX transaction for the amount of {$240.00} another {$370.00} last one on that day {$370.00}. Total amount {$990.00}. 
A dispute was opened and a new checking account # was given on XX/XX/XXXX. 
The investigation was done and the outcome according to them is that I made those transactions. 
On that day as I explain to them as well when they made those transactions I was severely sick in bed the entire week at home with extreme XXXX pain, temperature, not feeling well at all, was all day sleeping. I had previously had an XXXX XXXX and was XXXX from hospital around a week before that happened, my XXXX went wrong reason why I was home sick after being XXXX right on the same days they made those transactions. I explain to them all this. 
Also, 2 days after the transaction I was in the hospital again having another XXXX. How could I have done those transactions being extremely sick. 
Im starting to believe that Wells Fargo bank is who did those transactions on my behalf.
Product: Mortgage

In mid 2013 we reluctantly signed a deed in lieu of foreclosure with Seterus Mortgage. We had very poor Response from Seterus ... ..but having no other choice, we signed the paperwork. To this day, we have yet to receive our promised check and our Attorney advised us to get a response from Seterus before he decides to do anything further.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX {$1900.00} XXXX Account : XXXX XXXX XXXX XXXX XX/XX/XXXX {$70.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$200.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX XX/XX/XXXX {$1100.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX {$210.00} XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX XX/XX/XXXX {$920.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XX/XX/XXXX {$380.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX {$230.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX To this day over 60 days later I have not reicieved a response yet. I feel as if im being taken advantage of and being ignored by my disputes. 
Section 611 ( a ) It is plainly stated that a failure to investigate these item within 30 days gives a reason to immediately remove those items from my credit report. It has been over days so they should be deleted IMMEDIATELY. I demand that they are removed promptly. or I will file for ligations due to the stress this is causing me. My information has gotten into the hands of the wrong person. I have filed reports with FTC Reference numbers ( XXXX ) and would like these above referenced accounts to disappear FAST!
Product: Credit reporting, credit repair services, or other personal consumer reports

With personal research of my own report and contact from different debt collectors the wrong name and addresses are being reported. According to 15 U.S.C 1681b ( a ) ( 3 ) ( a )