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

on XX/XX/2022 at approximately XXXX I contacted Equifax and asked them why my credit report on their site Equifax 's own site, did not have my consumer statement. I wanted to also find out for sure if my report could be updated " immediately '' as they said numerous times in many ways can not happen ever. Yet the comments went in right away from XXXX a few minutes before I was speaking with a representative about why they were not showing up in Equifax 's credit report for me. They did show up on the accurate and probably true credit report that these agencies keep on us secretly or whatever as the agent read it to me, but it wasn't on my site, I have a screenshot at similar time. XXXX is important and consumers should have all of it. 
This is over a {$18.00} 30 day overdue reported by XXXX to the agencies and subsequent charging me {$2.00} without informing me at all of this {$18.00}, the overages as they were being charged in any way or the reporting. I found out from the free equifax report and now I am on the path to trying to right this wrong XXXX and the agencies have collectively assigned me due to their broken and unfair system to put people who seemingly have good credit, to having bad credit so we can pay more interest and pay more fees, that is stealing! They should not be allowed to do this and should remove XXXX from my credit report and any and all derogatory remarks forever. They are costing me not only personal damage but my brand new american business a lot of damage too!
Product: Credit card or prepaid card

I had a credit card with Apple Card which was managed by Goldman Sachs. I had a transaction with XXXX merchant posted to my account. The order was shipped with only half of what was paid for and the shipment was returned to the merchant per XXXX XXXX  return policy. Merchant shows shipment returned and that credit was to be issued. Credit was never issued by merchant via XXXX. I then contacted Goldman Sachs via Apple Card support and summited dispute and provided proof of the authorized return and lack of getting credit for the return. Goldman Sachs kept closing dispute with inconsistent reasoning ( order was received or verified when this was never disputed ). I full paid my account and closed the account with Goldman Sachs ( Apple Card ) with revocation of authorization for any further activity or charges on the account. Almost a year later, Goldman Sachs took funds from my bank account without authorization to satisfy an unknown transaction. My bank processed a dispute and returned these funds to me. Shortly after this occurred, Goldman Sacks again took funds from my account ( under XXXX dollars ). I again filed a dispute with my bank and they returned the funds to me and changed my account number to prevent any further unauthorized access. Not long after this happened, Goldman Sachs reported me as having a late payment for {$1.00} on my credit reports. All attempts to contact Goldman Sachs and get documentation of transactions have been fruitless. They again on the phone that what occurred isn't right and state they will email or mail statements to me with corrective action but nothing ever happens. My credit score went from XXXX to under XXXX overnight. I not only ended up paying for an XXXX shipment that was incomplete and which was returned and now I have suffered because of Goldman Sachs inability to properly process Reg E dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

A few months ago upon reviewing recent copies of my credit report, I realized that my identity had been compromised and I have become a victim of identity theft. I immediately notified the three major credit bureaus XXXX, XXXX, and Equifax. I sent out numerous dispute letters along with supporting documentation. I recently submitted an identity theft report from the Federal Trade Commission which included some of the Fraudulent accounts in question. In addition I attached a copy of my drivers license, social security card, and a utility bill. After noticing fraudulent personal information listed on my report, I submitted and updated personal information request to remove all fraudulent outdated information including incorrect or wrong names, phone numbers, addresses, and etc. I have yet to receive any verification from XXXX  in regards to my dispute and it has been well beyond the 30 day time frame allotted under the Fair Credit Report. XXXX  has violated section 605b, 609, and 611 under the Fair Credit Reporting act and should be held accountable.
Product: Mortgage

I received a notice from Caliber on XX/XX/XXXX that my Escrow Account had gone negative and that my new monthly mortgage payment would be increased from {$2500.00} to {$4700.00} to cover the deficit. The new mortgage amount would be due in XXXX. 
I immediately called Caliber and learned that Caliber had erroneously paid the property taxes for my parcel and for the parcel owned by my neighbor, for which Caliber has not financial interest in XXXX. 

I spoke to Caliber Customer Service and their Tax Department 12 times between XXXX XXXX. I was assured that the issue would be resolved before my XXXX payment was due. This did not occur. I was forced to pay {$4700.00} in XXXX to avoid a late fee or blemish on my credit. I also wrote to Caliber Customer Service on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX in attempt to resolve this issue. 

I learned on XX/XX/XXXX in a conversation with the Caliber Tax Department that Caliber had received a refund for {$11000.00} on XX/XX/XXXX, and that the funds would be applied to my Escrow Account. This did not occur. I received notice that my XXXX mortgage payment would still be {$4700.00}. I sent a letter to Caliber 's Customer Advocacy and Response Department on XX/XX/XXXX asking them to resolve this issue, waive any late fees and re-estimate my mortgage payment. This did not occur. I am now facing a XXXX mortgage payment for {$4700.00} to avoid a blemish on my credit. 

On XX/XX/XXXX, I called Caliber 's Tax Dept and Customer Service and learned that the refund of {$11000.00} had been deposited in Caliber 's Corporate Advance Account rather than my Escrow Account. The Customer Service Rep asked that it be deposited in my Escrow and suggested that I call back in 5 days. 

On XX/XX/XXXX, I called Customer Service and was told that the Esrow Account was still negative. She researched the issue and found that the {$11000.00} was still in Caliber 's Corporate Advance Account. She tried to initiate a reversal, but the funds have still not been deposited.

I am now concerned that my credit rating will be impacted by Caliber 's error. I have asked that the {$11000.00} be deposited in my Escrow, that my mortgage payment be re-calculated and that I receive a refund of the {$2200.00} that I was forced to pay in XXXX with interest. I may have to pay this amount again in XXXX to avoid a Credit Bureau Reporting.

It has been extremely frustrating to bear the cost of Caliber 's error.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX  XXXX Account Number XXXX Date Open : XX/XX/XXXX Balance : $ XXXX Charged off XXXX XXXXXXXX XXXX XXXX Account Number XXXX Date Open : XX/XX/XXXX Balance : $ XXXX Charged off XXXX XXXX Account Number XXXX Date Open : XX/XX/XXXX Balance : $ XXXX Charged off XXXX XXXX XXXX Account Number XXXX Date Open : XX/XX/XXXX Balance : $ XXXX Charged off XXXX XXXX XXXX XXXXXXXX Account Number XXXX Date Open : XX/XX/XXXX Balance : $ XXXX Charged off XXXX XXXX Account Number XXXX Date Open : XXXX XXXX, XXXX Balance : $ XXXX Charged off XXXX  Account Number XXXX Date Open : XXXX XXXX, XXXX Balance : $ XXXXCharged off XXXX XXXX XXXX XXXX Account Number XXXX Date Open : XX/XX/XXXX Balance : $ XXXX Late/Closed XXXX  Account Number XXXX Date Open : XX/XX/XXXX Balance : $ XXXX Charged off XXXX XXXX  XXXX XXXX Account Number XXXX Date Open : XX/XX/XXXX Balance : XXXX XXXXXXXX Charged off XXXX XXXX XXXX Account Number XXXX Date Open : XXXX XXXX, XXXX Balance : $ XXXX-Late/Closed XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) Account Number XXXX XX/XX/XXXX Balance : {$2000.00} Collection XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) Account Number XXXX XX/XX/XXXX Balance : {$880.00} Collection XXXX XXXX  ( Original Creditor : XXXX XXXX  ) Account Number XXXX XX/XX/XXXX Balance : {$540.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) Account Number XXXX Date Opened XX/XX/XXXX Balance : {$5500.00} Collection XXXX XXXX XXXXXXXX Account Number XXXX Open Date XXXX XXXX, XXXX Balance : {$1000.00} Late/Open XXXX XXXX XXXX XXXX Account Number XXXX Open : XX/XX/XXXX Balance : $ 10,068.00-Late/open XXXXXXXX XXXX XXXX Account Number XXXX Date Open XXXX XX/XX/XXXX Balance : $ XXXX XXXX XXXX XXXX XXXX Account Number XXXX Date Open : XX/XX/XXXX Balance XXXX XXXX XXXXLate/open
Product: Bank account or service

Dear Sir or Madam : In a late response to my earlier CFPB claim ( XXXX ), E*TRADE 's corrected their false statement of the existence of proprietary evidence to : " E*TRADE reviewed this matter further and confirmed that there were, in fact, no documents available to provide in response to your request. '' Over the phone, an E*TRADE associate admitted that while they had no direct evidence showing that these transactions were legitimate and could in fact be fraudulent, but they would still deny the claim. This is in direct violation of a Regulation E of the Electronics Funds Act. 

On top of that, the disclosure and decisioning period of my case was over 30 days from initial claim to decision. Requests for documentation relied upon E*TRADE to review my dispute were subsequently denied. 

E*Trades only defense in this whole manner is that I have " recently submitted a similar dispute ''. This is to imply that it is impossible for fraud to happen to me twice. 

In retaliation for filing the CFPB complaint and my persistence in following up with the CFPB case, E*TRADE closed my account on XXXX XXXX denying me access to a majority of my liquid assets during the long holiday weekend. This was a major inconvenience and resulted in several fees and missed payments. 

In summary, E*trade failed to provide documentation in a timely manner, has admitted in writing that there was no evidence used to deny my unauthorized transaction claim and thus violated Regulation E and in retaliation closed all my bank accounts. 

I request that that the CFPB subpoena all records related to this case including phone conversations, evidence used in decisioning, case management system notes, and emails. I would also like the CFPB to audit the E*TRADE 's Reg E processes and procedures and customers. There appears to be evidence of discrepancies between their implementation and the law. 

Sincerely, XXXX XXXX
Product: Debt collection

I was a member of XXXX XXXX XXXX starting back in XXXX. My contract expired in XXXX. XXXX XXXX XXXX bought the company out and the gym memberships resumed without contract month to month. I was never subjected to any fees due to the fact no contract has existed since XXXX. Another company XXXX XXXX XXXX purchased XXXX XXXX in XX/XX/XXXX. I was never contacted in regards to my membership, I was unable to go to the gym due to it being closed for renovations. Still without any contract and no contact made to see if I wanted to stay with the new company I took it into my own hands and declined. I am not receiving bills for the month of XXXX. I am not a member nore do I have a contract this is becoming harassing, I do not owe this new company any money. XXXX XXXX is trying to put be in debt.
Product: Mortgage

We paid our mortgage and they put the money into our principal instead of applying it to the mortgage payment. We have called them and they keep saying they will fix and still havent. We keep getting letters stating we missed a payment seems only way to fix this is to make another payment which we cant do at the moment and dont think we should have to since we already paid.
Product: Credit reporting or other personal consumer reports

I contract a student loan from XXXX XXXX and the loan repayment is managed by a third party called Launch Servicing. My loan amount is {$57000.00}. including fees. I started making interest payments on the loan on XXXX XX/XX/year>. I have made four equal interest payments of {$310.00} till XXXX XX/XX/year>. I started making $ XXXX  monthly payments on my loan interest from XXXX XXXX till date. 

The issue that arose was that, I have submitted my social security number to Launch Servicing for my interest payments to reflect on my credit report. Still, as of now, I have not seen the interest I am paying on my student loan from XXXX XXXX  reflected on my credit score and credit report. 

I complained to Launch Servicing and they told me they had submitted my credit details and payment history to the Credit Bureau for my credit score and credit report to be updated but none of that has been reflected on my credit report. Launch Service then direct me to reach out to the department of Credit Bureau for assistance on my issue. 

I will be glad for your kind assistant in resolving this issue. Thanks for your corporation in advance. 

Thank you. 

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

The information on my report has been put on it without my consent
Product: Mortgage

I have received multiple mailings from Specialized Loan Servicing about possibly being eligible to have my PMI dropped. After speaking to them, I was told my account is at XXXX % loan to value and I am eligible for my PMI to drop off and save myself money. I was informed that I need to write a letter requesting my PMI to be dropped. After mailing the request, a few weeks passed and I received a letter saying my loan to value was XXXX  %, which is impossible. I called and was informed that I need to go through a whole process to determine the value of my home, which would cost me money and take at least 30 days. They don't know who told me to write a letter or have any clue where their evaluation of XXXX  % XXXX came from. I asked to speak to a supervisor because I was getting many conflicting stories and instructions of what I should do. The next day a manager called me and explained to me at least 3 times how an amortization schedule works. I am in finance and very familiar with amortization. He continued to tell me they will have to start a new process to see what the value of my home will be. However, I was informed multiple times that if my loan is current with no late payments, PMI will automatically drop off at the scheduled date when my loan hits XXXX %. This is simple math with amortization and would be a specific date. AS THEY STATED, MY LOAN IS AT XXXX %!!! I have passed that scheduled date but can not get the PMI dropped. I was suppose to get a call back from another manager on Thursday. It is now Monday and no one else has called. I have never had a company contridict themselves everytime they speak and give so many unclear answers. They either have no idea what is going on, managment included, in which case they should not be answering the phone. Or, they are trained to make it this difficult in hopes I give up. Seems very predatory.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been for the past 3 years trying to restore my identity and remove the fraudulent accounts opened online without my knowledge/ consent. 2 of which consist of XXXX XXXX XXXX credit card accounts reporting as XXXX opened on XX/XX/XXXX charged off {$7000.00} and XXXX opened on XX/XX/XXXX charged off {$6800.00} both accounts are being reported with the name XXXX XXXX XXXX the person whom committed the identity theft and in all police reports as well as federal complaints and reports ). The part that confuses me is in XXXX, the only credit card I owned was a secured credit card in which still shows in good standings. Not only that but I have provided to XXXXXXXX XXXX as well as XXXX and Experian all supporting documents required to substantiate the basis of the dispute which include ; copy of a police report from XXXX XXXX, Federal Trade Commision report and XXXX XXXX XXXX All supporting documentation contains account statements as well as the identifying information related to the specific person involved resulting in me being a victim of identity theft ( 16 CFR 603.2 ). 

I received a letter in the mail on XX/XX/XXXX from XXXX bank that states their reporting is accurate because " payments were made to that account. '' XXXX failed to include any supporting documents, yet is being permitted by both XXXX and Experian report these fraudulent accounts on my report. According to the Section 609 ( e ) of FCRA, I am entitled to ask for a copy of the original signed application contract as well as any other transactions on record XXXX XXXX XXXX used to determine the accuracy of information reported. 

Furthermore, as a person that is a victim of Identity Theft by both a known suspect and XXXX XXXX XXXX, with supporting documents, it is discomforting to know how I am currently homeless as a result of the damages done by others. 

In closing, the letter I received from XXXX XXXX XXXX regarding their " investigation reporting accuracy '' the XXXX XXXX XXXX and phone number is also inaccurate. Luckily I double checked just to verify sending my personal information to the wrong address.
Product: Credit reporting or other personal consumer reports

Unauthorized Fraudulent Inquires PEASE REMOVE UNAUTHORIZED FRAUDULENT INQUIRIES TRANSUNION UNAUTHORIZED FRAUDULENT INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED FRAUDULENT INQUIRIES XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX NA XX/XX/XXXX XXXX UNAUTHORIZED FRAUDULENT INQUIRED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair credit Reporting Act, XXXX  Account : XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C. 1681 Section ( 602 ) states that I have the right to privacy. 15 U.S.C. 1681 Section 604 ( A ) Section 2 a consumer reporting agency can not furnish an account without my written instructions.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handeling 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. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX lowes checked my credit without my permission, i have ietters from lowes and synchrony that the inquiry would be removed.It has now been almost 7 months and still remains on my credit report WHY?. The last time they dismissed the complaint saying it was a duplicate, This is not right yet i guess i have to file a legal action, I really believed in your company and you failed me.
Product: Debt collection

I was contacted by not only XXXX XXXX but by XXXX XXXX in regards to a debt they said I owed and claimed they were suing me and I would have a court date unless I paid them.
Product: Checking or savings account

First issue : The Wells Fargo ( XXXX ) division is refusing to provide me with confirmation of which of my XXXX product checks have been processed or included in mediation, that occurred on XX/XX/year> under tracking # XXXX. 

Second issue : The Wells Fargo XXXX department is claiming that reference # XXXX & # XXXX are " duplicative '' mediation requests. This is inaccurate as these references numbers were NOT included in XXXX mediation that occurred on XX/XX/year>. 

The Escalation Specialist has never called me back, although I have left several voicemails for them.
Product: Student loan

AES is a fraud, XXXX XXXX claims that I am lying but she has never contacted me by phone only send these generic letters. I am well aware of the status of my loans therefore I did not need AES to put that information on my letters. AES reps on the last 5 calls I recorded, they never notified me that my calls will be recorded which they are suppose to do but I have recorded proof of this. AES claims I ca n't record their calls but they ca n't record me without my permission. What AES is doing is illegal and I have had several AES supervisors with bad attitudes. I have advised several of them that I will not tolerate their ignorance and then I was hung up on. I have proof of everything I am saying because I have recorded numerous calls which is proof of their business practices. AES has not proven that NCT still owns this debt, I only received a promissory note with XXXX XXXX XXXX and nothing with the ownership of NCT which is required in the state of Illinois to collect on this debt and this information was confirmed by a consumer rights attorney, Without any proof that NCT still owns this debt of today, then no one can collect on this debt per my state. Since NCT ca n't prove they still own this debt then the entire balance has to be forgiven or a reasonable pay plan has to be set up. AES and NCT are in this fraud together. I will keep complaining until my credit is restored and these loans are taken off my credit report except for loan XXXX which is cosigned. Per the state of Illinois, NCT must have up to date proof they still own this debt, THAT IS THE LAW. AES has never given me proof that NCT still owns this debt which is requirement under the FDCPA and FCRA which NCT must follow since they are 3rd party student loan debt buyer. I do not see anywhere that shows NCT owns this debt as of today 's date and if they are unable to produce this proof, all negative marks will need to be removed by federal law plus all loans except # XXXX will need to be forgiven. I have the legal right to a validation of debt that shows when NCT bought this debt. AES never provided me with that information which I have been asking for awhile but was told to look at my promissory note which only has XXXX XXXX XXXX on it and no one else. AES should clearly understand what the laws are and what kind of debt they are collecting on. All negative marks need to be removed because I do not have any up to date that NCT currently owns this debt as of today.
Product: Credit reporting or other personal consumer reports

To my disbelief, I saw inaccurate accounts on my credit report today, and I honestly have no clue where they came from. I always monitor my credit report, and nothing like this has ever happened. I thought it might be a technical error, so I refreshed my browser, but it didnt resolve anything. The incorrect accounts remained, leaving me feeling confused and upset. I urgently need the documents Ive provided to be thoroughly checked so I can stop worrying about this happening again.