23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I spoke with a representative @ CitiMortgage on XX/XX/XXXX who advised no additional documentation was being requested. I spoke with another rep today who stated a letter requesting additional documentation was sent out on XX/XX/XXXX. The rep from XX/XX/XXXX provided inaccurate information. On XX/XX/XXXX we were over 7 business days from the XX/XX/XXXX scheduled foreclosure and could have provided the required docs. Now we are under 7 business days from the foreclosure due to the rep providing inaccurate information.
Product: Mortgage

I purchased a XXXX  building under the 504 SBA plan with Wells Fargo. On XX/XX/2020 I submitted a request for deferment due to financial impact of COVID19. To date, WF continues to tell me that my request is in queue and that they do not have a date as to when my request will be addressed. On XX/XX/2020, WF fraudulently debited a double mortgage payment from my account and has not refunded this money, creating further financial impact to me and my XXXX. I would greatly appreciate your assistance with these matters. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Thank you, I have been trying to get my credit report fixed with incorrect information for 6 months now. I 've received a letter from XXXX XXXX on XX/XX/XXXX stating that they made an error in reporting our mortgage account was delinquent. The loan was converted during the HAMP in XXXX and was not suppose to be delinquent. I have contacted XXXX XXXX multiple times in which they contacted the credit bureaus to fix these errors. Since Transunion did n't update my information correctly, I opened a dispute. My credit report is still wrong. It says my payment is 120 days late. Problems are listed below : - Account is closed - So no payment is due - Loan was rolled over to HAMP - Old loan is closed so no payment due - Received 2 letters from the bank to fix these mistakes. 

I contacted Transunion onXX/XX/XXXX. I told him how can the account be " 120 late ''? A paid in full account is late? A closed account is late? This is clearly referenced in the account credit report information ( closed & new loan ) but they will not update. I 'm paying a new mortgage, again this is clearly documented in my credit report. All of these issues have ruined our credit for the last 2 years. This is the only thing delinquent, so each should be easy to find and fix. Also, I have a membership through Transunion. So I am getting charged to monitor their mistakes? 

I 'm attaching my supporting documentation. Please assist.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and noticed an inquiry that do not belong to me. 

XXXX XXXX XXXX XXXXXX/XX/year>
Product: Mortgage

I received a letter from XXXX XXXX  dated XX/XX/2019, that my mortgage loan was being sold to NewRez ( Shellpoint ). I made my XXXX payment to the original mortgage company. By the end of XXXX, I had not received any information from NewRez. I called the number on the XXXX  XXXX letter and was told that I should receive the packet next week, and to not worry about the payment because it was a new loan transfer. I received the packet from New Rez on XX/XX/2019. The letter was dated XX/XX/2019. It was late Saturday, so I planned on mailing the payment on Monday, XX/XX/2019, which I did. On XX/XX/2019, I began received calls from Shellpoint, stating that this was attempt to collect a debt. They called again today XX/XX/2019. I have left three messages for Supervisor XXXX XXXX, but have not received a call back. 

The company didn't even get the information out to me before the first of the month, yet they have collection agents calling and harassing people who aren't even technically late. I want to pay with a check so I have a receipt ; and in addition after reading the complaints on the XXXX website, I don't want to pay them over the telephone. What a way to welcome new customers. 

There are many complaints with the XXXX  XXXX XXXX about this company and something has to be done about this level of harassment being unduly placed on consumers.
Product: Mortgage

Loan Modification settlement payment not received after court found Wells Fargo guilty on XX/XX/year>.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the Credit Bureaus to delete these suspicious items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

First paycheck they cashed no problem from my employer. Deposited my check last Friday and they put a hold on it until XX/XX/XXXX with NO EXPLANATION. I called, they don't know why, won't release funds. I went to the bank, they said they don't know why and would not release my funds and had no idea why. My employer says on their end, Truist has never even tried to deposit it into their bank!
Product: Credit reporting, credit repair services, or other personal consumer reports

Numerous attempts have been made to contact Equifax as well as XXXX XXXX and after my 3rd attempt I am forced to file a complaint. 

Equifax is reporting incorrect information via XXXX XXXX and it is affecting my credit score heavily. 

Equifax is only showing 1 account reporting and that account is showing that the last payment made was 2012 which is incorrect. XXXX and XXXX are showing over 10+ current accounts I maintain as well as displaying the correct information from my XXXX XXXX card. 

I am asking to please help get this resolved as my other bureaus are close to a 800 credit score and my Equifax score is around 600 with inaccurate information. 

Your help with this matter is much appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Transunion. 

1. Company Name : XXXX Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX XXXX Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft 3. Company Name : XXXX XXXX  XXXX Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft 4. Company Name : XXXX XXXX  Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft 5. Company Name : XXXX XXXX Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft 6. Company Name : XXXX Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft
Product: Credit reporting, credit repair services, or other personal consumer reports

According to FCRA Section 605B (a) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX  Balance: XXXX XXXX XXXX XXXX  Balance: XXXX XXXX XXXX XXXX XXXX Balance: XXXX XXXX XXXX XXXX XXXX  Balance: XXXX
 XXXX XXXX  BalanceXXXX XXXX XXXXXXXX XXXX XXXX  Balance: XXXX XXXX XXXX XXXX XXXX XXXX, CA 9XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX
Product: Debt collection

I received communication from this company saying I owed a debt to them from XXXX  XXXX XXXX XXXX. I have never had insurance through XXXX  XXXX XXXX XXXX. This is result of fraud. I have submitted a ID Theft affidavit to them to stop this because it is not mine and I do not want this to report on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

these 3 company is violating the fair credit reporting act by listing a fraudulent account on my report that is not mine.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021, my money was taken out of my account by paypal. I had {$1400.00}. I was receiving money from friends and family, but Paypal took it upon themselves to restrict access to my account and prevent me from taking my money out. PayPal issues NO communication to me, and gave me NO indication why this decision was made prior to action being taken. PayPal never reached out to me to verify activity or verify my identity. PayPal acted solely on their own with a lack of information and a lack of due diligence. PayPal had taken it upon themselves to withhold my money and keep it in their possession with no clear instructions or options of resolution. This is what they wrote in their note " {$1400.00} USD ; PayPal Posting Date : XXXX XXXX XXXX ; Payment to : Paypal ; PayPal 's damages caused by Acceptable Use Policy violation ; PayPal 's damages caused by Acceptable Use Policy violation ''. I want my money back or I will seek legal action.
Product: Checking or savings account

On XX/XX/XXXX debit cardXXXX was reported lost/ stolen. My account has low funds and 2 transactions go through after the card was closed. I called the bank and they stated that the card automatically updated from my XXXX XXXX which is absolutely false I have to go into my account and add the new card manually. As of today the old card number is still on file on both accounts. Also if the new card information updated manually the last 4 digits of the card number would show up on the attached receipts. This is a way for them to cause more over draft fees on my account I am not understanding why these transactions we not declined.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report, and found that your are reporting false information on my credit report. This is causing me extreme distress, and I am doing everything I can to build my credit profile responsibly. Seeing that I am looking to purchase a new vehicle thru finance, and this could cause problems doing so. The law says thay everything on my credit report must be accurate! 

I do not recognize these addresses XXXX. XXXX XXXX XXXX XXXX XXXX, IL XXXX Please Delete This Address From My Report I do not recognize these accounts XXXX. XXXX XXXX XXXX Please Delete This Account From My Report XXXX XXXX XXXX XXXXXXXX Please Delete This Account From My Report XXXX. XXXX XXXX Please Delete This Account From My Report XXXX. XXXX XXXX XXXX XXXXXXXX Please Delete This Account From My Report XXXX. XXXX XXXX XXXX XXXX Please Delete This Account From My Report I am also requesting the description of the procedure used to determine the accuracy, and completeness of the information. I have read that this must be provided within 15 days of completion of your investigation. I also read that under federal law, you have 30 days to complete your investigation. 

By the provisions of the consumer protection laws, I demand that these items be investigated, and removed from my credit report. It is my understanding that you must validate these items with the reporting creditor for accuracy. Please remove any information that the creditor can not verify. I know this must be complete within 30 days of receipt of this letter, or you must remove the incorrect information.
Product: Checking or savings account

I paid for a puppy and shipping in the total amount of XXXX XXXX {$500.00}, {$400.00}, and {$1000.00}. I never received the puppy to this day and this happened back on XX/XX/XXXX and XX/XX/XXXX. I reported this to the bank on XX/XX/XXXX after the shipping company asked for more money, I refused and they said youre about to lose everything. They Citizens bank has continued to refuse to help and give me my {$1900.00} back as they say it was an authorized payment. If I didnt agree to pay for the puppy I never would have got the puppy. 

I have all the screenshots of everything if you would like it all.
Product: Student loan

I sent the CFO of Maximus Education LLC a 1099-C on XX/XX/2023 for the discharge of {$19000.00} in student loan debt serviced by Aidvantage. The CFO hasn't updated the account to reflect the discharge. The amount of {$19.00}, XXXX is currently displayed on Aidvantage 's website and the account should be zeroed out. Maximus hasn't notified me upon receiving my debt discharge paperwork.
Product: Mortgage

( To preface this may be nothing but it is from Seterus and I do n't trust them. ) Seterus sent a letter on XXXX/XXXX/15 saying there was an escrow deficiency, they discovered this because they FINALLY paid my insurance and property taxes ( which you helped me with ). I could pay {$1000.00} or just have it go on my mortgage as a higher mortgage payment. Old payment XXXX for P and I and Escrow XXXX new payment P and I XXXX Escrow XXXX and escrow shortage is XXXX with a new payment of XXXX. Not sure why the escrow went up almost {$20.00} and also a new payment of {$17.00} added on. I have read that they mess around with the escrow to rip people off. Total insurance and Prop taxes are XXXX. If they did n't get a payment from me in 30 days for the full payment they would assume I wanted it added to the mortgage payments. Address to send it to was Seterus XXXX. XXXX XXXX XXXX, CA XXXX. 
Today XXXX/XXXX/2015 I got a letter from them saying We recently sent you a shortage of Deficiency Payment coupon with an incorrect payment address. If you already sent your payment to the incorrect address, it will be returned to you. Please resend it to Seterus, Inc., XXXX XXXX XXXX : XXXX XXXX, CA XXXX immediately. To accommodate this, we have extended the due date to be 60 days from the original letter date with no late fee. Number they give is XXXX. The letter was sent from XXXX XXXX, XXXX. They have a physical address in XXXX Oregon, Payments to be sent to the address I gave you and Correspondence to XXXX XXXX XXXX XXXX XXXX. The whole thing seems very suspect. I wrote them a letter enclosing all of my correspondence with them and told them I was contacting your organization because they have been so slimy in the past. Thanks, XXXX
Product: Credit reporting or other personal consumer reports

This is my multiple endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX  XXXX Balance Owed : {$720.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$8900.00} XXXX XXXX XXXXXXXX Balance Owed : {$4100.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX : {$550.00} XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance Owed : {$720.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

this vehical was traded paid off by finance company this information is incorrect.
Product: Credit card or prepaid card

I was the XXXX  XXXX  for my mother, who had become very ill. I took care of her for approximately 2 months. My bills have fallen behind and I reached out to my creditors, who have worked with me, offering payment deferments, waiving of late fees, interest fees, and not reporting negatively to all credit bureaus with the exception of Fortiva. I reached out again on today, XX/XX/2020 to Fortiva and advised them that I am continuing to experience a financial hardship and if they can please work with me. I advised Fortiva that my XXXX, XXXX XXXX, in XXXX, GA whom the card was used for, is closed until further notice and they are not sure when they will reopen and my XXXX   isn't seeing patients at any other locations, until further notice. I have had to go 4 months without having my XXXX  XXXX, understandably due to the pandemic yet. I inquired of Fortiva if my late fees could be waived and payments deferred under the Cares Act of 2020. The representative advised that they can not waive my late fees. They will extend my next due date to XX/XX/2020 but until I bring my account current, the late fees will remain and I will continue to get charged such fees, including interest. Once I am able to pay this card off, I will never use Fortiva again. Be aware other consumers, if you experience an unexpected financial hardship, this company has no sympathy. I am also a XXXX  and XXXX Veteran of the United States XXXX.
Product: Debt collection

After reviewing my credit profile on XX/XX/2022 I identified a discrepancy with account lised under Lvnv Funding LLC, XXXX XXXX XXXX and validation was requested as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/2022 and the account continued to reflect on my credit report and I have not received any correspondendence from creditor to vaildate this account as correctly belonging to me, nor has my credit report been no updated to reflect that the account is disputed and therefore a 2nd validation letter was sent out on this day. After reviewing credit report again on XXXX there have been no updates and account is still reflecting on my on my report. I do not believe the account belongs to me nor do I believe that the Creditor has authorization to access the account nor authorization to attemp to collect on the account and the account continues to negatively affect me. Please strike and remove this accounts from all 3 Credit Bureaus until adequate vaildation has been received proving that the account belongs to me and all information is correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XX/XX/XXXXAccount # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # 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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Some Midwest Recovery account just showed up on my credit report. Unknown what it is. Never received any letters or calls about this.
Product: Credit card

Best Buy/Citibank has been charging me debt protection fees without my authorization. I just found out recently the total is {$1000.00}. In addition, I believe those fees have prevented me from paying off promotional purchases before the expiration date cost me at least {$500.00} more in back charged interest. I have disputed this, but have not heard anything except they would cancel the service.
Product: Credit card or prepaid card

About a month ago I applied for one of your credit cards I gave you all my information address date of birth phone number social security number I even gave you my drivers license number a few minutes after submitting the application you said that it was denied because you couldnt verify me so I called the number I spoke to a woman who knew absolutely nothing she said that some automated system said they couldnt verify mean but she couldnt tell me exactly what it was she couldnt verify she suggested I reapply a few days later why I waited a little longer than a few days but I reapplied just a couple days ago Application ID XXXX once again I gave you a ton of information more than what most applications asked for I mean you asked for my employers address you asked for my drivers license information I gave you were off but once again you send me a notification saying you cant verify who I am how was that possible? With all the information I gave you if you cant verify meet what is it that youre missing I answered all of your security questions I know sometimes credit reports can have different things on them but theres no way that twice I answered all those questions wrong I just dont believe it
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} ALLY FINCL XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved.

The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

asked company to show me this was mine ... no response to requests I have no idea what this collections is for
Product: Checking or savings account

I requested a loan and never received the money and charged my bank insignificant Charges And Saying I Owe XXXX $ Loan But Never Received Or Sent To Me But There Trying To Charge me XXXX dollars