23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have a loan at " XXXX ''. My due is today ( XX/XX/2023 ). I was trying to make a payment but it did not go through but the app is not saying exactly if they withdraw the money or not. Just got a message " something went wrong ''. I did try several attempts and now wondering if they have a queue how many times they are going to process the same request and where the money will go. I got to know from forums that parent company XXXX XXXX XXXX was cyber attacked and a lot of information was leaked. There is no official statement from the lakeviewloanservicing but web services are still behaving strange accepting payment and all information to be entered including routing numbers, account numbers, etc. The main concern is what to do now. If my information is stolen, and company hides it. At any point of time all money from my account can be stolen and no-one cares.
Product: Mortgage

My loan was showing inaccurate from Carrington Mortgage for almost 2 years from the time it was service transferred to them, They were not recording my payments that were paid on time every month. Now they supposedly have the account updated but I still feel the numbers are inaccurate and they have reported to all XXXX credit bureaus that my payments were missed when actually they were never late at all
Product: Credit reporting or other personal consumer reports

Over Inaccurate and Unverifiable Credit Reporting I am filing this complaint to address inaccuracies and procedural violations in my credit report regarding XXXX accounts : 1. XXXX XXXXXXXX XXXX : This account is reported as having a XXXX late payment, which I believe is inaccurate. No sufficient evidence or validation has been provided to prove the legitimacy of this late payment. 
2. XXXX ( XXXXXXXX XXXX XXXX : This account is listed as a charge-off, but there are discrepancies in the balances, account statuses, and dates reported across credit bureaus. Additionally, I have not received proper validation from XXXX to substantiate their reporting. 

I have disputed these accounts with the credit bureaus and the original creditors. However, I have not received proper documentation or resolution as required under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Key issues include : Failure to verify and validate the accuracy of the reported information. 
Discrepancies in reporting across credit bureaus. 
Lack of proper notification of negative reporting by the creditors. 
Procedural failures by the credit bureaus to adequately investigate my disputes. 

I am requesting that these accounts be removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to contact you. I am wondering why I have items on my report that are not mine. I am thinking about starting a new business soon which prompt me to check my credit report. I see several items on my report that are not mine I need these items removed from my credit report. I have contacted the FTC and my local police. Im doing this on my own behalf. XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX-XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX/XXXX XXXX XXXX, XXXX, XXXX.
Product: Debt collection

I phoned the collection agency directly and mentioned this was not mine. The collection for {$89.00} posted on my Equifax Credit Bureau file in 2012 to have it removed.
Product: Debt collection

Unknown account and unknown debt, this is a mistake listed on my credit file that I have disputed with nothing received
Product: Money transfer, virtual currency, or money service

my first time sending money through this company. When i initiated the transfer of {$990.00} on XXXX i got an error message indicating my transfer did not go through because my ID needed to be validated. At XXXX on XXXX i got a notification that my ID validation is complete and i can complete the transfer so i proceeded to process the again. On XXXX, noticed that my account was charged twice. I called TapTap Send to inform of the error was told the transfer will be reversed. On XX/XX/12, the reversal was completed and money removed from my sister 's account in XXXX. I have been calling everyday and provided the evidence of the transfer reversal to TapTap Send and was told they are working their partners in XXXX to get back my money back. I have email exchanges from TapTap Send but no refund. All i want is refund of money
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Complaint Regarding Inaccurate Consumer Report Information by LexisNexis To Whom It May Concern, I am writing to formally lodge a complaint against LexisNexis for their continued reporting of inaccurate and false information on my consumer report. Despite multiple disputes, Lexis Nexis has failed to correct the errors and continues to verify inaccurate data. 

Specifically, LexisNexis has reported several addresses that I have never resided : XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, PA XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX XXXX 

This is clearly incorrect and should be removed immediately. Despite my previous disputes, LexisNexis has continued to falsely verify this inaccurate information. 

Additionally, Lexis Nexis has reported the following inaccurate Judgment/Lien records , which I have disputed multiple times, and the XXXX Municipal Court has already confirmed do not belong to me : XXXX XXXX XXXX XXXX These erroneous records are negatively impacting my credit and financial standing. Lexis Nexis is in violation of the Fair Credit Reporting Act ( FCRA ) by failing to conduct a proper investigation and by continuing to report false information. I request that the CFPB investigate this matter and

take appropriate action to ensure Lexis Nexis complies with federal regulations.

I appreciate your prompt attention to this serious issue. Please keep me informed of any updates regarding my complaint. I am prepared to provide any additional documentation if necessary. 

Thank you for your time and assistance. 

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

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any accounts not later than 4 business days after the receipt. Also, the information provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sir or Madam : To whom it may concern The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. XXXX XXXX XXXX ACC # XXXX XXXX XXXX XXXX  ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX InquiryType : Individual Permissible Purpose : CREDIT TRANSACTION XXXX XXXX XXXX VIA XXXX XXXX Requested On : XX/XX/XXXX InquiryType : Individual Permissible Purpose : CREDIT TRANSACTION XXXX XXXX  XXXX XXXX XXXX XXXX Requested On : XX/XX/XXXX InquiryType : Individual Permissible Purpose : XXXX XXXX XXXX XXXX  Requested On : XX/XX/XXXX InquiryType : Individual XXXX XXXX Requested On : XX/XX/XXXX InquiryType : Individual XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX InquiryType : IndividuaXXXX XXXX XXXX Requested On : XX/XX/XXXX InquiryType : Individual XXXX XXXX XXXX VIA XXXX Requested On : XX/XX/XXXX InquiryType : Individual Permissible Purpose : XXXX XXXX XXXX XXXX Requested On : XX/XX/XXXX InquiryType : Individual XXXX Requested On : XX/XX/XXXX InquiryType : Individual XXXX XXXX VIA XXXX XXXX XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX InquiryType : Individual Permissible Purpose : CREDIT TRANSACTION XXXX XXXX XXXX VIA XXXX LOANS Requested On : XX/XX/XXXX InquiryType : Individual Permissible Purpose : CREDIT TRANSACTION The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. Sincerely, XXXX XXXX SS # XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX
Product: Mortgage

I refinanced my mortgage with Better Mortgage Corporation several months ago. One of the reasons I chose Better Mortgage is that Better promised to give the borrower {$2500.00} XXXX XXXX statement credits between 8-12 weeks after the closing of refinance. My refinance was closed on XX/XX/29 and it have been over 15 weeks and I did not see any XXXX XXXX Statement credits. Contacted Better a couple of times to inquiry about this, and reply was 'it has just processed ', but apparently it is not happening so far. I can only hope Better would deliver what was promised to the customers!
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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: Mortgage

I have applied for a 15 year mortgage with Chase. The application was submitted to Chase on XX/XX/20. Four days later, I called and spoke with a Representative XXXX. He apologized that the application had not been processed yet and stated they had an overwhelming response and would get my request processed and be back with me within a few days. It is now 20 days later. No progress has been made on my request to refinance. No request for additional documentation. It is my understanding that Chase is required to determine an approval or denial and inform me in writing. Since I spoke with XXXX, there has not been any communication at all. I have tried to call but their phone keep me on hold for about 25 minutes, then hang up on me.
Product: Checking or savings account

XX/XX/XXXX Bank of America called to inform me of someone posing as me to retrieve my account information. I cooperated with the representative and they sent me a code to verify my identity and I repeated the code that they sent. Representative said my online profile would be shutdown/closed until Monday when I call back. 

XX/XX/XXXX morning - I checked my email and saw the following emails from Bank of America : XX/XX/XXXX at XXXX XXXX stating my online id was looked up XX/XX/XXXX at XXXX XXXX stating my passcode was reset XX/XX/XXXX at XXXX XXXX stating my online id was looked up XX/XX/XXXX at XXXX XXXX stating that Transfer Recipient Has Been Edited 'To : XXXX XXXX Date : XX/XX/XXXX New name : XXXX XXXX , null Previous email or mobile : XXXX New email or mobile : XXXX ' XX/XX/XXXX at XXXX XXXX stating I had transfered {$2400.00} to XXXX XXXX at the email address XXXX I did not look up my online id. I did not reset my passcode. I did not edit the email address to a transfer recipient. I did not transfer {$2400.00} to XXXX. These transactions are fraudulent. I filed a claim first thing Monday morning with Bank of America - claim number XXXX. 
On XX/XX/XXXX I received an email with a pdf attached stating my claim has been denied for the following reasons : Our investigation found that you gave your online id or passcode to a person or entity. Under these circumstances, you authorized that person or entity to perform a transaction on your behalf. 
I called the XXXX to talk to someone about my claim. They said I needed to send phone logs of my calls and text messages to them and once they receive them they would reopen my claim. They said it could take up to 5 day to receive any faxes. 
XX/XX/XXXX I faxed my phone logs plus the emails from Bank of America that I received that day, a total 10 pages. 
XX/XX/XXXX XXXX XXXX - I called Bank of America to ensure they received my faxed papers. They did. The representative said they would review then reopen the claim and it would take at least 10 business days for them to disposition the claim. 
XX/XX/XXXX XXXX XXXX - I called Bank of America to followup on my claim. It was never even reopened. 

In my opinion I have supplied the necessary documentation and Bank of America is stalling. I'm getting the run around. I feel like they will continue to deny my claim until I give up. This is fraud plain and simple. It's been over a month. I'm a single working mother who has lost {$2400.00} for over a month now. This is disgraceful. I'm running out of options and time so I'm filing this complaint with you in hopes that this can be resolved. This is not an uncommon occurrence ... .I 've researched online ... I've seen numerous articles and news stories on this kind of crime with XXXX XXXX I've also seen many other Bank of America customers being denied. It's outrageous. Please help me solve this problem.
Product: Credit reporting or other personal consumer reports

I have written and sent correspondence via certified mail : XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX to Equifax on XX/XX/XXXX   advising of several inquiries and accounts fraudulently reported on my credit report ( by the company ). A Federal Trade Commission report ( specifically, a Police Incident Report - # XXXX ) was filed and provided to Equifax in the same manner. Likewise, Lastly, I initiated a claim with the CFPB on XX/XX/XXXX  ( Case # : XXXX ). Included in my submission to the CFPB was the entire correspondence packets inclusive of Drivers License, Social Security Card and Police Report as sent to Equifax. From the time of its receipt of my correspondence on XX/XX/, Equifax had four days, according to the law, to remove these items. Instead of these items being removed, I received correspondence ( see attached ) from Equifax dated XX/XX/XXXX  stating they were unable to locate a credit file in their database and requesting that I provide additional documentation to verify my identity- ALL OF WHICH WAS PROVIDED IN MY ORIGINAL CORRESPONDENCE SENT TO EQUIFAX AND RECEIVED BY EQUIFAX ON XX/XX/. THIS INCLUDED MY DRIVERS LICENSE AND SOCIAL SECURITY CARD. I also received correspondence in response to my previous filing of the same claim stating that the reported items were found to be verified. Equifax is obligated by the FCRA to accurately verify consumer data prior to it being reported. I am now requesting Equifax to provide documentation used to verify these accounts and inquiries were indeed authorized by me. Equifax has 15 days to provide me with the name of the person spoken to, documentation used, signed application with my signature in wet ink. Please be clear, I am not asking for an e-Oscar report. If Equifax does not have the documentation as requested to show these accounts and inquiries were in fact authorized by me, per the law, they MUST be removed ASAP. Equifax is liable under the SEC to follow certain rules. The Equifax Commission file number is XXXX ; its Tustees are as follows : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, New York XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX NY XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, NC XXXX. I will also be filing OMB Treasury Form 211 to request an audit of the consumer file. Lastly, Equifax is securitizing consumer data, yet refused to provide me with a copy of the consumer file ( not the consumer report ).
Product: Debt collection

Crown Asset Management and their XXXX XXXX XXXX XXXXXXXX have repeatedly been supplied with the attached reports repeatedly. They have ignored them and continue to threaten me both via the US Postal Service and by phone. They have repeatedly lied to both the CFPB and state officials. It has to stop. 

These identity theft and police reports apply to all identity theft debt INCLUDING the three XXXX Accounts that Crown Asset management and XXXXXXXX XXXX XXXX have tried to collect on : XXXX XXXX XXXX XXXX
Product: Student loan

I raised this in Complaint # XXXX ; however, the company wholly ignored this issue. I am now forced to file a new complaint because CFPB closed that complaint. 

I have been working with FedLoans ( PHEAA ) to get several monthly payments counted as qualifying payments towards PSLF for several years : In XX/XX/XXXX, I requested that my then-current loan servicer, XXXX XXXX, apply a loan interest reduction under the Servicemembers Civil Relief Act ( SCRA ) since I was serving on XXXX XXXX in the XXXX XXXX XXXX XXXX 

In that letter, I specifically stated that I did not want to enter into a military forbearance. However, XXXX XXXX placed me into a military forbearance against my wishes. This caused my loans to be in a military forbearance from XX/XX/XXXX through XX/XX/XXXX. ( More info below ). In XX/XX/XXXX, my loans were transferred to XXXX XXXX. In XX/XX/XXXX, I worked with XXXX XXXX to correct its mistake. XXXX XXXX requested that the Military Forbearance be removed from my account and that the $ XXXX/month XXXX  payments be counted toward PSLF. 

Finally, in XX/XX/XXXX, FedLoans removed the military forbearance for the period of XX/XX/XXXX through XX/XX/XXXX. As a result, my qualifying payments were recalculated to include XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to count toward PSLF. 

However, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX were not counted as qualifying payments even though those were still {$0.00} XXXX  payments. I made several inquiries about why those three months were not counted, and I have never received an update. I have contacted FedLoans about this issue with no resolution. 

I supplied copies of the paper work from XXXX XXXX to XXXX XXXX in that complaint. I then contacted the FedLoans Ombudsman after hearing nothing. I still have heard nothing.
Product: Credit reporting or other personal consumer reports

Issue : Fraud alert not removed by XXXX representative. Details : Spoke with XXXX ( Consumer Affairs ) on XX/XX/2024. Requested removal of fraud alert. Was told they couldn't remove it because of technical issues once again blocking me from access to credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I did an investigation on my credit report which caused me severe XXXX upon finding unverifiable, invalid, inaccurate, and questionable items. Below you can see the date and the bank information. 


XXXX- XXXX XXXX XX/XX/XXXX XXXX- XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

I was in XXXX fyi. XXXX and my card was used without my permission I filed a written dispute and some of the items have been credited. Back and others are pending and the bank is refusing to grant me provisional credit for the still outstanding items as per regulation E
Product: Credit reporting, credit repair services, or other personal consumer reports

Why am I being denied a copy of the credit report pulled by XXXX XXXX XXXX XXXX used for a loan so I may prove it was a fraudulent loan? What are my requests then continually labeled duplicate when XXXX XXXX XXXX XXXX supplies nothing?
Product: Debt collection

I keep getting calls from different numbers, claiming that they're XXXX XXXX XXXX XXXX and are collecting debt on behalf of XXXX XXXX XXXX. I haven't received a letter of validation for my debt. They did not even disclose how much I owe. I haven't even received an email, which I know XXXX XXXX has my email.