23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Ocwen/PHH is reporting current late statuses with all 3 credit bureaus on my husband 's account which was transferred and closed in XXXX. We were not aware of this current reporting until we applied for a home mortgage loan and were denied because it appears as if we are currently late on mortgage payments. As soon as we were made aware of this error, my husband filed disputes directly with each credit bureau. We both contacted Ocwen via phone calls, fax, and email. We supplied the necessary documentation, but Ocwen states their reporting is accurate. It is not accurate for XXXX as again, this account is closed with a XXXX balance and has been since XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of unauthorized accounts and inquiries on my credit report due to identity theft resulting from a recent data breach. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2 ( a ), I am entitled to have fraudulent information removed from my credit file. 
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: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act everything has to be 100 % accurate on my credit report. The listed accounts below violated my federally protected consumer rights XXXXThe Credit bureaus have stated a proper investigation was performed but I find this to not be accurate or possible, the open dates are inaccurate, the dates last active are inaccurate, and dates last reported are not accurate, these are grounds for removal. On XXXX i sent a letter regarding the inaccurate and unknown things on my credit report. To this day over 30 days later I have not received any response. I feel like I've been taken advantage of and also being ignored. Section 611 ( a ), it's plainly stated that a failure to investigate these items within 30 days gives reasons to immediately remove these items from my credit report. It has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress caused in this process. 

The credit Bureaus also violated 15 usc 1681 section 623 ( 9 ) ( b ) ( 2 ) The credit bureaus are supposed to complete all investigations before the expiration of the period under section 611 ( a ) ( 1 ).

The credit Bureaus also violated my rights under 15 U.S.C 1681 section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. I haven't given these accounts written permission to furnish these accounts on my credit report In accordance with the fair debt collection practices Act. Debt collectors are not allowed to communicate with me under the 15 usc 1692C 1- ( XXXX XXXX/ACCOUNT # XXXX ) Has violated my rights 2- ( XXXX XXXX/ACCOUNT # XXXX ) Has violated my rights XXXX XXXX XXXX XXXX XXXX/ACCOUNT # XXXX ) Has violated my rights XXXX ( XXXX XXXX XXXX/Accout # XXXX ) Has violated my rights
Product: Money transfer, virtual currency, or money service

I received a notice XXXX stating that I sold {$43000.00} worth of Block Inc. ( F/K/A SQUARE INC ) stock in 12 different transactions XXXX XX/XX/XXXX and XX/XX/XXXX in the year XXXX. The IRS is looking for {$14000.00} in taxes and penalties. I have never bought/owned or sold Block.Inc Stock on any platform, ever. Block Inc. FIN number is XXXX, there were 12 different account numbers used and 12 ea 1099B forms were sent out to the IRS but not to me. I have never received any Block Inc 1099Bs. I spoke to Square Inc 2 times and sent 4 emails requesting information to Block Inc., they will not give me information if there are any more accounts in my name and SSN. 
Block Inc only allows employees to buy/sell stock directly from Block Inc. All others must go through a broker. I am not, nor have I ever been an employee of Block Inc or any of their subsidiaries. 
I XXXX XXXX XXXX, did not make these sales shown on the XXXX notice. I have never received any of the proceeds from the sale of these stocks.
Product: Consumer Loan

I was a consignor of a loan with Santander for my boyfriend car. He did not pay the loan. I found out that he was lying on his name and he had an arrangement with the dealership. I had to file a police report and get the car back. I went to the dealership and asked them for help because 1/ the car was under my name, which i did not know since i was supposed to be a cosignor only and XXXX i couldn t afford it. The dealership told me that they handle this type of situation and came up with the contract saying that they will take over the loan and make payments to the car. Little did i know, they never made the payment and claim that i got the car back, which is not true. I have hired a lawyer on the case. And this is on my credit. I am currently trying to buy a house and I ca n't because of that. I Have submitted a complaint with the NY consumer affair, my lawyer sent letters to the dealership and they never responded. I have to fix it.
Product: Checking or savings account

My complaint regarding Marcus Goldman Sachs. 

I called on XX/XX/XXXX to request a wire transfer of $ XXXX to my checking account on file as I am closing on a house the week after and need to make sure the money is available. I tripled checked that they let me know if there are any issues as this was a time sensitive matter, and they agreed. 

Fast forward XXXX  XX/XX/XXXX and the wire transfer still hasn't been received. I called again the same day and inquired and they confirmed that the wire transfer has been sent but I need to contact my received bank ( XXXX ) as maybe they are having trouble processing it. I called XXXX and they confirmed that no wire transfer has been sent. I then called Marcus back and they said that there was a problem with the wire transfer but that they are unable to tell me what the issue is. I remained patient ( albeit furious on them not taking any responsibility ), and after wasting another XXXX mins over the phone they said they sent an expedited wire transfer. Later the XXXX, I called to double check so they said that the wire transfer has been sent AFTER the cut off time which contradicts what they told me and that will waste another business day when I have a deadline to close on the house that I need to meet. I asked again why the negligence and she laughed it off rather than taking any responsibility. And still I have no idea when I will receive my money.
Product: Debt collection

On XX/XX/21 a letter was mailed with certified receipt asking for validation of this debt and I havent received a response within the 30 day threshold from XXXX XXXX XXXX I called in to verify my letter was received and they confirmed over the phone please remove this account I now consider it to be invalid after failing to validate it.
Product: Money transfer, virtual currency, or money service

I am writing to express my profound concerns about Zelles handling of disputes, particularly in light of the recent CFPB lawsuit that has exposed significant flaws in the platform. Despite using Zelle multiple times and reporting discrepancies, my financial institution and Zelle have failed to investigate my claims thoroughly. They have informed me that recovering lost funds is impossible and that tracking these transactions is practically impossible. The CFPBs findings reveal that Zelle not only disregards consumer protection but also enables repeat offenders to exploit the system, leaving users susceptible 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

I filed a dispute on my credit report concerning Regional Acceptance being allowed to continue to remain on my credit reports as a charge off. It has continued to remain on my reports even after it reported a 1099-C to the IRS for the {$12000.00} as income in XXXX. Income is no longer debt as taxes are paid on income. XXXX investigated and stated Regional Acceptance 's reported the information remains accurate when in fact it has placed the debt cancellation under the 1099-C as income paid out, not debt. Regional Acceptance has also altered the amount and name on the 1099-C which makes it hard to dispute. Regional failed to report the debt minus the fair market value they received from repossessing and reselling the vehicle in XXXX. 

Form 1099-C Cancellation of Debt Creditor : Creditor 's Federal Identification Number ( FIN ) : XXXX TRUI XXXX XXXX XXXX : Debtor 's Identification Number : XXXX XXXX XXXX XXXX XXXX Submission Type XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Original document Account Number ( Optional ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Canceled XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Property Fair Market Value XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} Amount of Debt XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$12000.00} Interest Forgiven Amount : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} Identifiable Event Code : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Creditor 's debt collection Policy Debt Description XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX LOAN Personal Liability Indicator XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.Box checked-Personally Liable
Product: Credit reporting or other personal consumer reports

I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within XXXX days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a CONSUMER STATEMENT on my Equifax report that I have requested to be removed since XX/XX/2018. I've requested multiple times via phone, via chat, via certified mail, via regular mail -- all to no avail. 

Consumer Statements are added at will by the consumer, yet Equifax refuses to remove the statement and always come back with a generic response saying the information is valid. It's a CONSUMER STATEMENT. If I want it removed, it's no longer valid. 

In addition, the statement was added without my consent -- thus disregarding that Consumer Statements should be added and removed at the consumer 's request. This is not something that should take so much effort. It should simply be removed because I am requesting it. 

Equifax is not investigating and they are not removing the statement. They're simply rehashing the same information without actually looking at the report. 

Again, remove the Consumer Statement from my report as it is holding up my mortgage approval process.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, this creditor has violated my rights. Under 15USC1681 section 602 states that I have the right to privacy. 15USC1681 section 604a section 2, it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15USC1666b a creditor may not treat a payment on a credit account under an open-end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I was denied a loan for an investment property renovation, that I intend to sell, due to Specialize Loan Servicing incorrectly reporting a missed mortgage payment to the credit bureaus. 

Specialize Loan Servicing reported to the credit bureaus that I missed my XX/XX/XXXX payment. SLS received my payment on XX/XX/XXXX via their website. SLS says that my payment was short of the full new escrow amount which increased my monthly mortgage bill. XXXX was the first month that showed an increase in escrow which increased my monthly mortgage bill. SLS 's website didn't reflect the increase in escrow online when I paid my mortgage bill. The unpaid escrow was applied to my XXXX bill which I paid in full through my bank and not online via SLS 's website. The fact of the matter is that I didn't miss a mortgage payment in XXXX. All of XXXX 's principal and interest were paid in full along with partial of the increased escrow. 

Upon contacting SLS, I was told by the agent that a shortage of escrow payments wasn't supposed to cause a missed payment to get reported to the credit bureaus. So, that agent made a note and transferred me to a higher department to request a correction. The request was denied for correction because I missed a payment in the first quarter of XXXX. The missed payment in XXXX is irrelevant to SLS incorrectly reporting a missed payment to the credit bureaus. I never missed a payment in XXXX. 

Now, my investment house renovation is held up. I'm losing money by not being able to secure financing to complete my property to list on the market.
Product: Money transfer, virtual currency, or money service

XXXX  XXXX XXXX sent me US {$2900.00} via Western Union on or about XX/XX/2023. 

I have been trying to get the money but every single time I try to receive my money, Western Union refuses to give me my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I lost my job due to my XXXX and I could not pay my auto loan since XXXX. According to my credit report the loan are still active. XX/XX/XXXX the account was opened and is purchase in MN from XXXX XXXX. According to MN the statue of limitation for auto loan debt is six years and Experian keeps reporting it as a current loan and it keep saying derogatory. 
I am still disable and trying to catch up and pay my old bill, I have not been driving a car since XXXX when the credit company keeps reporting negative feed back from my history. From XXXX my credit is score is XXXX and currently have XXXX and trying to rebuild my credit to get myself a car for my transportation to get better for my XXXX. 
I do not know what to do anymore.
Product: Credit reporting or other personal consumer reports

All XXXX XXXX Accts Removed without taking from my credit score. Normally removals you get XXXX for an acct.. being that they were mistakes not on my behalf. I have XXXX! Also Experian is reporting XXXX closed Accts as revolving credit- Inaccurate! I want compensation for all my loss! They have had well enough time to correct this! No Excuses Accepted! Lawsuit is in order at this point!
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my credit report that is the results of Identity theft, XXXX XXXX XXXX and fraud withing 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts DEPT OF EDUCATIONXXXX : Account number : XXXX, I am a victim of XXXX XXXX XXXX XXXX Delete it from my credit Report Today! These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARING IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, XXXX XXXX BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.
Product: Mortgage

On XX/XX/XXXX I inquired thru XXXX XXXX for a HELOC ; I was contacted on XX/XX/18 by Quicken loans, I explicitly said I was ONLY interested in a HELOC. He proceeded to tell me we would review my credit, I assumed he had a report thru XXXX XXXX, and after 20 mins on the phone, told me they don't offer HELOCS. 

Then I found out he PULLED my credit without permission ; he put his manager on the phone who told me that he told me we would " review my credit '' was proper for getting consent. 

I am an XXXX, I ONLY wanted a HELOC and had I been told by XXXX XXXX NLMS # XXXX that they don't offer the product, I would have ended the conversation as I can provide an application thru my company for much less in costs and rate than his proposed first mortgage which is not what I asked for. 

Then his Director XXXX XXXX NLMS # XXXX told me they do have HELOC 's but only for XXXX clients, and that he was within his right to pull my credit by saying " now we will review your credit '' even if he had NOT asked my up front if I was a XXXX client, because they do offer it to them, I just did not qualify. 

Had I been asked of my assets and if I had a XXXX account and been told those are the only clients they offer HELOCS too, we would have ended the conversation there, again I would not and did not authorize a credit pull on my report ; and wouldn't if the specific program I was after was not available to me or offered to people only with the XXXX account as I do not have one and would have said so had I been informed or asked. 

I asked them to remove the inquiry, they denied me request, I explained that had they done the due diligence and told me the requirements for a HELOC and that they didn't do them, we would not even had, had a conversation that would have required any further investigation. 

I was told by XXXX that as of the last day or so Quicken stopped doing HELOCS and by XXXX that, that was not true, but only for select clients with those accounts. 

This is ridiculous, I was mis-led, my credit was pulled without explicit permission or consent and then they passed it off on me as though it were my fault. I have a background in lending and can not imagine how they treat people who don't, and I made that very clear to XXXX in the beginning of the conversation, that I am a licensed XXXX  and only in need of a HELOC. 

XXXX told me they are the country 's largest company and with over 150 programs, this is " Just how they do things '' .... UNREAL!
Product: Money transfer, virtual currency, or money service

Someone broke into our business email account and sent our customer fraudulent ACH transfer instructions. They requested our {$250000.00} payment be changed from a check to an ACH payment at a Wells Fargo bank with a fraudulent account. The instructions stated our business name on the account, but when we called Wells Fargo, they said that our business name was n't the name on the account. We asked them why they accepted funds into this account with improper instructions and they told us to contact their legal department. They will not give us any additional information
Product: Debt collection

I received a call from this debt collection agency XX/XX/23 claiming XXXX  XXXX XXXX XXXX XXXX is attempting to pursue litigation, I advised the rep this was an error and Id call the pet hospital. After speaking with the hospital they indeed confirmed the file was sent over in error. 

I called the agency back to obtain an ID # and or complete name of the women that made the call as she failed to state the XXXX XXXX. I was transferred over to XXXX, he refused to provide me with any details and stated I used a XXXX slur and that I needed to call back in a calm manner. He claims he is not required to provide me with any information and terminated the call. All calls are supposed to be monitored and recorded, I like a XXXX to call me back so we can discuss how they are in violation of the FDCPA and additionally, how he wrongfully accused me of of making XXXX slurs.
Product: Debt collection

This is a company that goes by the name XXXX XXXX. They have been harassing my family and my in-laws. They even called my fianc at his place of business. They are threatening to sue me for a debt that is beyond the statute of limitations. The debt is over 8 years old and is no longer on my credit report.
Product: Debt collection

Credence Resource Management called me today from XXXX claiming I owed a debt to XXXX XXXX XXXX. I closed my account with XXXX XXXX XXXX last year in good standing. I actually overpaid on my final bill and was sent a refund check. I told this to the debt collector and told them I still have my receipt and letter from XXXX XXXX XXXX proving that I do not have any outstanding debt. They refused to accept this information. I told them they need to send me a letter proving the debt, and I was transferred to a supervisor who yelled at me and told me he was going to ruin my credit and report me to the credit bureaus anyway. They refused to confirm my debt and hung up on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I obtain this loan in XX/XX/XXXX. Since the first payment date in XXXX of XX/XX/XXXX, I have never missed a payment and it has always been on time. In XXXX of XX/XX/XXXX I filed bankruptcy, but we reaffirmed the vehicle. I have made a payment every month since then. XXXX is who this loan is through and I have called them numerous amounts of times about the loan and payments not reflecting on my Credit Report. I've spoken to my lawyer who has assured me that on XX/XX/XXXX the reaffirmation letter was sent to XXXX Lawyers and that the car payment should show positive on my Credit report. Speaking with several different people and departments at XXXX, no one seems to be able to give a clear answer on why it is not and they can not even see the loan on my account, yet I have the loan payment history showing the account number and when it was taken out of my account monthly. I am trying to rebuild my credit and not having this show is not helping it at all. I am at a loss on what to do since the people at XXXX can not help me. 

Thank you XXXX XXXX ( XXXX )
Product: Credit card or prepaid card

On XX/XX/2020, I requested a credit line increase on my XXXX credit card from Barclays Bank through an online form. I later received notification that there had been a hard inquiry on my XXXX  Credit Report. Completing similar online forms with other issuers does not typically result in a hard inquiry on my credit report- when it will result in one, it is typically made abundantly clear by the institution ( usually through a pop-up or similar alert, or at least through highly visible text ). Attempts to resolve this with Barclays have made it clear that they will not work with me on this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit inquiry on report that I do not recognize.