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

XXXX XXXX is reporting negative account information on an account that has been " PAID IN FULL '' that has been paid in full since XXXX/XXXX/XXXX. XXXX has reported to all 3 credit bureaus stating this account for a XXXX XXXX XXXX is in a " LATE PAYMENT ' status as well as the account being " CHARGED OFF ''. This is conflicting information and is incorrect as this account should reflect PAID IN FULL with NO LATE PAYMENTS, it is not possible to show late payments or a charge off on an account that has a PAID in FULL letter along with a SIGNED TITLE by XXXX. This has caused my to be in a crisis of almost loosing my house since I am not able to refinance due to the negative reporting from XXXX.
Product: Mortgage

On XX/XX/XXXX, I contacted the Dovenmuehle Mortgage , Inc and speak with representative XXXX XXXX at extension XXXX to verify the payoff amount for my mortgage. He confirmed that the amount to be sent by wire was {$61000.00}, which I sent immediately. However, when I followed up on XX/XX/XXXX to check if the payoff had been received, I was transferred to different representatives who gave me conflicting information. One representative informed me that they had not received the payoff, while another suggested that I still needed to pay with higher interest rates. The third representative, XXXX XXXX, confirmed that the payoff was received but was short for taxes. She suggested that I pay an additional amount of {$1300.00}, which I did. 
However, on XX/XX/XXXX, I received a document stating that I still owed more money with higher interest rates. When I went to the bank to verify the payment, they confirmed that the mortgage company had returned the money for the payoff on XX/XX/XXXX, without informing me that they had refused the payment I sent on XX/XX/XXXX. 
On XX/XX/XXXX, I made two mortgage payments online using a new account that I set up. The payments were for XX/XX/XXXX and XX/XX/XXXX to avoid any penalties. I also requested an electronic payment payoff for XX/XX/XXXX. However, I'm concerned that I may encounter issues again. My mortgage provider has charged me an additional {$50.00}, and they haven't given me a clear reason for it. I'm worried that they don't want me to pay off the loan. I've tried contacting their customer support team, but I still haven't received a satisfactory answer.? 
This mistreatment was based on my race, age, and limited English proficiency, have caused me immense stress, XXXX, and physical and emotional harm. I feel that the mortgage company treated me differently because of my age, race, and language. The XXXX XXXX XXXX suggested that I file a complaint to get the help I needed. 
I believe that Dovenmuehle Mortgage , Inc is benefiting from the interest on my loan and doesn't want me to pay it off so they can continue making money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The XXXX, XXXX and Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the account that is reporting on my Credit Reports : XXXX XXXX XXXX Balance : {$9000.00}
Product: Money transfer, virtual currency, or money service

I tried sending money and at first it wasnt allowing me to then when i was able to send the money it took over a week to clear up. I contacted zelle and they said they couldnt provide me with a reason.
Product: Debt collection

Lending Club Bank is attempting to collect an alleged debt that is unvalidated pursuant to 15 USC 1692g, furthermore Lending Club bank gave me no notice of my right to dispute the alleged debt pursuant to 15 USC 1692g ( XXXX ). I am the consumer and the only one that can validated my obligation to any alleged debt pursuant to 15 USC 1692g. I have request that Lending Club Bank cease and desist all communications with me in relation to the alleged debt pursuant to 15 USC 1692c ( c ). I also request that the name and address of the original creditor to whom the alleged debt is owed pursuant to 15 USC 1692g ( b )
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed with XXXX several times and they will not remove the ch XXXX bankruptcy that was filed fraudulently docket # XXXX Attorney XXXX XXXX XXXX filing date of XXXX and dismiss date XXXX. I have sent the documents several times and the investigation does nothing. 
I would appreciate immediate help I can get on this matter as it has caused a lot of anguish and stress for my husband and me. 
The address is also wrong on the bankruptcy filing it is not on any credit reports. This should be enough for the removal but unfortunately they did not resolve and remove this. 

I'm also attaching the actual court documents from XX/XX/2019. This public record is complete fraud and totally out of compliance with the FCRA.

MY Social Security XXXX Birth Date : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX I am a consumer submitting this complaint on the behalf of my self without any influence from any third party being involved. Fraud had been committed, Navy Federal Credit Union is using extortionate means to collect on an alleged debt. I do not owe that resulted from extension of credit which violates tittle 18 USC 892-894 and constitutes racketeering actives and extortion. 
This is a notice sent as per the Fair Credit Reporting Act ( F.C.R.A ) 15 U.S.C. 1681A ( D ) ( 2 ). This is a request for accounting request raiding list of collateral or statement of account reference to U.C.C 9-210. This authenticated record must include all tax fillings ( including all 1099 's, and 1098 's ) any and all trades and /or investments and /or interests associated with this account of which I am alleged to be a party.
Product: Credit card or prepaid card

I used care credit through Synchrony Bank to finance a dental procedure around the middle of XX/XX/2023. I set up automatic payments from my checking account with the first payment due on XX/XX/XXXX. When I didn't see the payment processed, I resubmitted my banking information ( apparently I miss typed my account number ) and the payment went through. The bank closed this account and two other Synchrony credit cards within just a few days after the auto payment did not go through. I have lost XXXX 's of thousands in credit due to the reporting of closing these accounts. My credit score has been above XXXX and I have made three subsequent payments on the care credit account. My other Synchrony cards have a XXXX balance. I think this action was egregious and customer service at Synchrony can not help me or give me a logical explanation for their actions. I would like the bank to correct my credit report by removing the closures and reinstating my credit cards.
Product: Credit reporting or other personal consumer reports

My personal information was leaked out due to XXXX XXXX XXXX. I have a collection for the amount of {$2000.00} being reported on my report from UCB Collections on the date of XX/XX/year>. This charge is out of my knowledge. My information has been getting used without my consent for years. I also see addresses on my report that arent familiar. XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX is not my address nor are the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I also see names that are not my name on my report. These names that are showing up on my credit is not correct. My name XXXX XXXX XXXX XXXX. My name XXXX XXXX, XXXX. My name isnt XXXX XXXX, XXXX  nor is it XXXX XXXXXXXX, XXXX. All these unfamiliar names were used. I also have collections from XXXX XXXX XXXX Opened XXXX {$1400.00} XXXX XXXX XXXX Opened XXXX {$1400.00} XXXX XXXX XXXX Opened XXXX {$2100.00} XXXX XXXX XXXX Opened XXXX {$2100.00} XXXX XXXX XXXX Opened XXXX {$2100.00}
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX. I recently reviewed my XXXX, Experian and XXXX credit reports and it shows inaccurate information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality. I'm a victim of Identity theft and this information is not mine.
Product: Checking or savings account

Starting XXXX XXXX, XXXX I started receiving emails saying that I opened an account, which I did not. Then I started receiving paper bank statements with a {$0.00} balance and one with a fee of {$4.00} on XX/XX/XXXX. Today XX/XX/XXXX I have called the bank and after a lengthy hold they say they closed the account. I can't help but be skeptical. I have no idea how the account was started. I have heard of fake accounts being created at XXXX XXXX and XXXX XXXX ( which may have happened to me with XXXX too ), Not sure if it is ID theft or BOA scamming me.
Product: Mortgage

My primary residence home has its only mortgage with CrossCountry Mortgage Company. The mortgage account has a Escrow Account with it. According to the term agreed by both sides, the Escrow Account only escrows property tax and does not escrow insurance. 

I received my property tax bill in XX/XX/XXXX, due in end XX/XX/XXXX ( see attached " XXXX XXXX XXXX XXXX '' ). I emailed CrossCountry Mortgage Company to remind them of the bill on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. They assured that they were " scheduled to disburse your county tax payment to XXXX XXXX XXXX XXXX in XX/XX/XXXX, in the anticipated amount of {$3100.00}, from your escrow account. '' ( in their XX/XX/XXXX email, see attached " XXXX '' ) ; they would " electronically verify the final amount due before the next disbursement is processed '' ( in their XX/XX/XXXX email, see attached " XXXX '' ) ; and " it is not necessary to make a payment towards your escrow account before the upcoming disbursement in XX/XX/XXXX. '' ( in their XX/XX/XXXX email, see attached " XXXX '' ). 

However, I received a new property tax bill with past-due penalty on XX/XX/XXXX ( see attached " XXXX '' ), indicating that CrossCountry Mortgage company did not disburse my property tax payment to New XXXX XXXX XXXX in XX/XX/XXXX. I tried to reach out to CrossCountry Mortgage Company to resolve the issue, but failed to get their response. As a result, I had to mail a check with the payment requested in the new property tax bill to avoid any further delays.
Product: Mortgage

On XX/XX/2020 I noticed on my bank account that a pending draft of " retry payment '' from Quicken Loans ID XXXX would be processed on XX/XX/2020 in the amount of {$830.00}. I contacted Quicken Loans and ended up being called back from " XXXX '' from the executive team. She advised that the original draft on XX/XX/2020 came back as insufficient funds from my bank, XXXX XXXX XXXX XXXX XXXX. I advised that was not so and that the payment on XX/XX/2020 cleared and posted on my bank account on same day. Also advised that the payment was showing on my Quicken Loans online account. XXXX stated that none of that was showing on her end. She said the only thing showing was the transaction did not complete due to insufficient funds. XXXX then called XXXX XXXX XXXX XXXX XXXX who confirmed that the payment on XX/XX/2020 did clear and post for {$830.00} Quicken Loans ID XXXX. XXXX then told me show would be contacting payment processing department to stop the retry payment for XX/XX/2020. She advised that it was possible there would not be enough time and the payment would go through. If that was the case I was to call back. On XX/XX/2020 the retry payment of {$830.00} did in fact clear and post on my bank account. I contacted XXXX again who again called XXXX XXXX XXXX XXXX XXXX. XXXX then proceeds to check the first payment again and then confirms about the second payment coming out. The representative from the bank tells XXXX that both payments did clear. XXXX was not satisfied with the answer and told the representative to look further into the matter. The representative contacted their payment processing department and they also confirm that both payments cleared and posted from Quicken Loans ID XXXX. XXXX then tells me that this would need to be further investigated, that neither first or second payment was showing on her end. She stated that it could take another several days to look into the matter. I advised her that for one this is a mistake on Quicken Loans and that I was not prepared for an additional unauthorized payment of {$830.00} to come out of my bank account. I also told her this has completely compromised my finances. XXXX claims that nothing is being shown in Quicken Loans system of the payments. This is very odd when I can see in several places on my online account that the payment was made on XX/XX/2020. Still awaiting for the second payment post on my online account, though it has already cleared and posted with my bank.
Product: Checking or savings account

on XX/XX/ I deposited a dividend check online at my bank, Navy Federal Credit Union, in the amount of {$2.00}. The bank failed to deposit the check correctly through the clearing house and the check was rejected. Under the guise of a " bounced '' check the bank charged {$15.00} and directed me to contact the issuer in a refer to maker. 

The maker, XXXX, a major stock broker, was extremely confused. Thier investigation found that NFCU had incorrectly routed the check and they reissued a new check. 

NFCU charged me {$15.00} for the bounced check due to their mistake.
Product: Debt collection

BROWN AND JOESPH LTD C ALLS MULTIPLE TIMES A DAY, HARASSING MY EMPLOYEES AND DISRUPTING OUR WORK TRYING TO COLLECT A DEBT WHICH WE HAVE PAID IN FULL TO THE COMPANY THEY ARE REPRESENTING WE HAVE TOLD THEM TO STOP CALLING AND JUST SUE US, IF THATS WHAT THEY CHOOSE TO DO, BUT TO PLEASE STOP CALLING
Product: Credit reporting or other personal consumer reports

XXXX, Experian, and XXXX have failed to resolve inaccuracies on my credit report despite multiple attempts to address the issue. I requested a re-investigation after their initial dispute process closed, but the inaccuracies persist, negatively impacting my credit. 

Violations Identified : FCRA Section 1681i ( Reinvestigation ) : The credit bureaus did not perform a proper re-investigation of the disputed items.

FCRA Section 1681e ( b ) ( Maximum Accuracy ) : They failed to ensure the reported information is accurate and reflects the maximum possible accuracy.

FCRA Section 1681i ( a ) ( 1 ) ( A ) : They closed my dispute without taking appropriate steps to resolve the inaccuracies.

Despite providing documentation and clear evidence of errors, no meaningful resolution has been achieved. I request an immediate investigation into this matter and enforcement of compliance with FCRA requirements.
Product: Student loan

For the past couple of years I have been trying to negotiate with XXXX XXXX XXXX for a favorable payment. Due to extenuating circumstances and family commitments I am unable to afford my monthly assessed payment for the life of my loan. When I began experiencing financial difficulty I immediately reached out XXXX XXXX to get on favorable payment schedule to bring my account current. Sadly, I could not pay the monthly payment and past arrerages that brought me to this point. Needless to say I defaulted on my private student loans because XXXX was unwilling to provide any reasonable workout options to include a reduction in interest rate, late fees or principal reduction. My account with XXXX was recently transferred to Transworld Systems , Inc. collection agency who is demanding a payment of {$80000.00}. On XXXX XXXX, 2015 @ XXXX. I spoke to XXXX XXXX at ext. XXXX and XXXX XXXX XXXX, Operations Supervisor at Transworld Systems ; XXXX XXXX can be reached at ( XXXX ) XXXX. In speaking with XXXX XXXX he stated that XXXX will be willing to accept a lump sum payment of XXXX, when I asked if any other options were available he said that I could pay the interest but it would not affect the principal amount and when I asked if the a payment arrangement could be made for a debt settlement amount he stated that none were avaiIable at present. I asked for all of my payment options to be documented in writing and he said the only option that could be documented would be a pay-off amount of the $ XXXX. I am asking and praying that you would be to assist me in this very serious matter so I can get into positive pay for my private student loan so I do not have to file for bankruptcy.
Product: Checking or savings account

To who it may concern, I have the same account with citi bank for almost 40 years.I asked for a new banking card because my other one was lost.They sent me a business card which had my private account on it .They took care of the mistake and sent me a card for my personal account.The problem then was they didnt have my payees online with the new card.So after being tortured by them for 4 days they finally sent the payees and they were available on line.The problem then was there were zero records of any payments that were made going back years.I then was tortured by them for days on the phone and in person before they told me they have the records but you cant have them because we cant make them available for you for some weird reason which they didnt know.So now I am filling out my taxes and other bills and have zero records.
Product: Checking or savings account

On XXXX I received yet another Mediation Request form. Knowing that XXXX XXXX has already done the worst job ever in a mediations by skipping my presence at the mediations session in the first place- then repeatedly lying about my involvement with all 10 of the accounts made in my name at Wells Fargo, I was also aware that I would yet again, not be offered another Mediation session even if I spent all night working on this form and sending it in - then praying and hoping for a change in the ways that Wells Fargo works. Reminder : I am a victim of identity theft on these accounts ( also a reminder : that Wells Fargo has and might - yet again - back out of the assertion of Identity Theft though the proof is undeniable ). Either way, it really doesn't seem to matter because there is no true path to follow to get your funds back. Wells Fargo has been doing this to me for years. Offering hope, promising answers then completely diminishing all hope with complete lies and I truly have proved that time and time again ... .in XXXX XXXX XXXX 

Thank you XXXX for allowing me to know on XXXX at XXXX XXXX that the mediations program will not be offering me another lousy mediation session. That I will not have the opportunity to NOT be present at your " mediation sessions '' to hear your employee, XXXX XXXX lie about the actions of your employees when handling my funds and identity at your bank. Thank you for also telling me that all of my mediation requests have likely been denied as automatically as they were sent out despite all of my time and efforts over the years.
Product: Vehicle loan or lease

I recently purchased a new car. My financing is through GM Financial, XXXX XXXX XXXX, XXXX, TX XXXX. My payment due date is the XXXX of every month. I received my first statement on XXXX XXXX. I thought this might be an aberration on account of this being a new loan. However, as of Tuesday, XXXX XXXX, I have not received my XXXX statement. I called customer service and spoke to 'XXXX XXXX ' He said my statement was mailed on XXXX XXXX. However, I should have received my statement on XXXX XXXX, not have it mailed on that day. I asked him about tracking my statement by using the intelligent mail barcode on the envelope. He said they could not do it. He is wrong. This is XXXX reason why the XXXX Postal Service developed the intelligent mail barcode as per this article : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXXXXXX XXXX {$3100.00} XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX {$3100.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$2400.00} XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX {$470.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX {$400.00} XX/XX/XXXXXXXX XXXX XXXXXXXX {$320.00} XX/XX/XXXX XXXX  XXXX {$220.00} XX/XX/XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX **************** - XX/XX/XXXX 15 U.S.C , 1681section 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 an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Report # XXXX XXXX : Experian Dispute Filed XX/XX/XXXXAccount : XXXX XXXX XXXX Account # XXXX I filed a dispute directly with Experian on XX/XX/XXXX and was notified of the dispute results on XX/XX/XXXX. The dispute results indicated that the information in question had been " updated '', however, the information was not updated, nor was it corrected. 

I strongly believe my reason for dispute may have been misunderstood given the extremely limited information I provided due to the diminutive amount of commenting space allowed per the character limit imposed by the online dispute system. 

Please see attached file for a full detailing of the issue ( s ), including all relevant supporting documentation. 

Please Note : The enclosed file is a total of nine ( 9 ) pages. 

Thank you. 

Sincerely, XXXX XXXX XXXX