23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

A vendor told me I could make my payment using Zelle. I assumed the vendor 's email address was their Zelle address, so set that up on Zelle and made the payment. I thought. It turned out that the vendor 's Zelle address was a different email address. But Zelle accepted my payment anyway! Zelle will accept a payment to ANY email address, then try to get the owner of the email address to sign up with them ( see below ). This is extremely poor control. Now I have to chase down the payment and get it cancelled. 



XXXX  You only have 14 days left. 
Enroll to receive {$300.00} from XXXX XXXX " Third pick male for XXXXXXXX XXXX XXXX. '' ENROLL TO RECEIVE To receive your money, enroll using this email address : XXXX Before XX/XX/2023 Terms and conditions apply Zelle is a fast, safe & easy way to send money to and receive money from friends, family and others you trust. 
For more information, please visit XXXX XXXX XXXXXXXX
Product: Mortgage

I am requesting this matter be resolved by XXXX XXXX at AmeriHome as she was previously working on my previous complaint. This complaint is directly related to my previous complaint, involving AmeriHome Mortgage case number : XXXX. 

I have and continue to pay my AmeriHome Mortgage loan on time, under the loan modification trial terms as agreed, yet AmeriHome has now erroneously reported that I have missed payments with regards to my loan and has reported these errors on my credit profile. 

This is hugely disappointing given that I previously thought this matter was resolved by XXXX XXXX at AmeriHome Mortgage, but now these issues are continuing in violation of the law under the CARES Act and COVID-19 Forbearance that is in place to protect consumers from this very thing from happening. 

I am requesting this matter be resolved immediately, and the erroneous late payments be immediately removed from my credit profile as they are not accurate and invalid. This matter is now putting in jeopardy my application for a HELOC that I recently applied for and must be dealt with immediately.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : $ XXXX Open XXXX XXXX Date Opened : XX/XX/XXXX Balance {$3700.00} Chargeoff XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX XXXX {$0.00} late closed XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance $ XXXX XXXX XX/XX/XXXX
Product: Debt collection

I moved out of my mothers apt in early XXXX. My mother passed away in XXXX and they are trying to collect a debt from me of XXXX for breaking lease and charging her. I tried to go to office its under new ownership ( the charges listed include dates the company was not in ownership as well ) I went to XXXX XXXX XXXX in XXXX nc as they owned at the time. They refused to give me a copy of lease and threatened to call police on me. Credit agency has yet to produce a valid proof of ownership I have been contacting them since last year. I request the lease that was given to them and I have yet to receive it. The most recent agent put me on hold in mid conversation because I asked for the lease and he said I should have it myself. ( Which I dont because I live in a different state ) I have notarized address proof. As well as my lease renewal I also receive South Carolina XXXX XXXX and Gov assistance for my child since I have been living here ( XXXX ) and the company is charging for XXXX The collection agency switches my agent everytime I ask for legal proof of debt. This is the 3rd agent over this matter. I have disputed multiple times as well as sent in supporting documents to all 3 major credit agencies I will be glad to submit all supporting documentation I have. Every lease has to be renewed and signed. I never came to sign. I also have a email from the property manager to my deceased mother stating they would let her out of the lease it was approved by the regional manager I can also submit tax returns filed in my state of sc if needed as well.
Product: Credit card or prepaid card

Synchrony Banks Amazon Store Card XXXX XXXX was unsolicited. XXXX XXXX did not knowingly apply for Synchrony Banks Amazon Store Card. Changes on card XXXX XXXX are currently over {$150.00} for issuance fee, interest fees, and late fees because XXXX XXXX does not have a Synchrony Banks Amazon Store Card, and XXXX XXXX has not made any purchase using Synchrony Banks Amazon Store Card. I do not know how Synchrony Bank ensnared XXXX XXXX in its Amazon Store Card scheme, however ; I do think that XXXX XXXX  is Synchrony Banks Amazon Store Card only victim. Please investigate Synchrony Banks Amazon Store Card fraudulent activity to protect XXXX XXXX and others and please have all information regarding XXXX XXXX expunged from Synchrony Banks Amazon Store Card records. Respectfully XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

there are several charge offs that is on my credit report that is not suppose to be there. I spoke to several people, multiple letters has been sent and no resolution. please help. XXXX XXXX XXXX XXXX XXXX and XXXX account.
Product: Mortgage

Subject account was denied for a modification by XXXX XXXX. 
When initially applying, XXXX was denied and a letter was sent on XX/XX/2018 from XXXX stating that qualifying income would be {$2500.00} per month. 
We reviewed her income and saw that the initial application did not properly express what income she made and we promptly resubmitted ( on XX/XX/2018 ) with correct income - {$3300.00} monthly. 
We received another letter shortly after ( on XX/XX/2018 ) saying that she was denied, but did not say specifically why. I called XXXX today and they said that the investor denied her due to insufficient income. 
I do not feel the second application was properly reviewed. 
No one at XXXX has been able to further explain why she was denied, even though she is qualified and eligible for a modification.
Product: Credit reporting, credit repair services, or other personal consumer reports

A fraudulent credit card was opened in my name with XXXX XXXX. I am a victim of identity theft and my personal information was stolen to open accounts with sofi and other lending institutions. I contacted XXXX  regarding this matter, and after investigation they deemed no fraud occurred. XXXXXXXX XXXX has failed the duty by not doing a proper investigation, only telling me the account is accurate due to the fact a fraudulent/stolen identification was used.
Product: Student loan

On XX/XX/23 XXXX PST I received a debt collection phone call from Navient . I spoke with the person about my missed payment and informed them I would make a payment on my lunch break. 

On XX/XX/23 XXXX PST I made a payment online. 

On XX/XX/23 XXXX PST I received another call from Navient for purpose of debt collection on the same account. I requested to speak to a Supervisor and it took a lot of talking to finally get transfered to a Supervisor. Once I spoke to a supervisor they couldn't find in their system that I spoke with someone earlier in the day. 

My payment was 10 days late in regards to the debt collection harassment I received.
Product: Mortgage

I have applied for a refinance of my current loan with Nationstar for my sole and primary residence, so that I could have a cash out to pay the second loan I have on the property, a HELOC that I want to pay off due to increasing high interests. In XXXX 2016 I started the process and is now SIX months of constant petition for more documentation and unjustifiable delays on their behalf. I have submitted every single document they have requested ( three times! ), they have done the appraisal ( twice! ), and always at the last minute there is some new item, some new regulation, some new thing that they get hang up on and stalls the process. Last time was an error in their system claiming I had been delayed on my payments- which I proved them wrong. This time they claim my Debt to Income ratio is to high because of some credit card debt I have. I told them that if I paid off this credit card debt, then it should not be a problem with that Ratio and the loan should go through, but apparently they want to close the file and do n't want to give me more explanations or a reasoning on how they are arriving to that ratio. This is after 6 months of trying to move this along. Meanwhile, the interest rate of my second loan keeps creeping up. Time is of the essence and they know it and they are wasting my time and efforts. Seems like a very arbitrary system is being laid over and an 'underwriter ' is always coming up with last minute requests.
Product: Checking or savings account

Hello, I hope youre doing well. Im reaching out regarding the {$400.00} promotion tied to the checking account I opened with Truist Bank. While I successfully met the direct deposit requirement with multiple deposits exceeding {$500.00}, Ive been informed that I did not meet the 15 debit transaction requirement within the 90-day period. 

The main issue is that my debit card did not arrive until XXXX XXXXwell over 80 days after the account was opened. I never received the card, and it never showed up on USPS Informed Delivery, nor did it arrive in my mailbox. Once I finally received the card, I immediately made the 15 required debit transactions, ensuring they were completed well within the remaining timeframe. 

Although I understand Truists records indicate that I did not meet the qualifications, I strongly believe this situation arose due to the excessive delay in receiving my debit card, which was beyond my control. After trying to resolve this for over a month and a half, I continue to receive the same response, which has been very frustrating. I believe Truist should take responsibility for the delay and honor the promotion. 

I would greatly appreciate any assistance or direction on how to resolve this issue. I know this isnt directly your fault, but Ive been directed to you for further help, and Im hoping we can resolve this together.

I will continue to pursue the matter with the until its addressed. However, Im hopeful we can find a solution without needing to escalate further. 

Thank you for your time and understanding. I look forward to hearing from you. 

Best regards
Product: Payday loan, title loan, or personal loan

I getting sick and tried of them keep call me all day and include the weekends about a payment, which it comes out my bank account, If they keep calling I will have their number block and file a complaint to XXXX
Product: Mortgage

Note : This action is being taken against New York Community Bank ( NYCB ).

Background : I notified NYCB in writing and by phone months ago of this issue. This problem came to our attention when we were in the process of evaluating our property and making future plans. We had thought this problem was resolved, but come to find out, over 7 years later, that the XXXX XXXX records are inaccurate. 

With that stated, in XXXX a loan modification was commenced between us and XXXX certifying us back to the property and on the title again in our favor. After the foreclosure attempt and subsequent rescinding ; however, all that happened in XXXX. 

Due to the unique circumstances and many changes done in the loan modification that differ from the original it has caused issues and leaves us open to fraudulent activity due to all documents not being filed as required. 



Issue : The Loan Modification is Dated XX/XX/XXXX with notarization completed first part of XX/XX/XXXX. The XXXX XXXX recorders office, state of Arizona, does not reflect the correct documents per governmental institutions requirements for Lender compliance ; when major changes are done in a Loan Modification. 

All the documents were not filed to reflect modification accurately or to provide a clean title, which leaves us open to fraudulent activity and is not allowing us to do as we wish with our property.
Product: Checking or savings account

I 'm trying to use active hours to get a advance and Bank of America is making it to where I cant. I 'm in a emergency situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the balance reported on my credit report withe XXXX  twice. I have contacted the Collection Agency and the Client to resolve the issue. The client provided me with a  statement that validates my balance is XXXX. I also provided a detailed statement from my insurance provider that shows payment was processed. I actually owe {$83.00}, which I am more than willing to pay. However, the balance reported needs to be corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. US SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity Theft ) 6. RENTGROW on XX/XX/XXXX XXXX Reported Identity Theft ) 7. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 9. XXXX  on XX/XX/XXXX ( Reported Identity Theft )
Product: Debt collection

Yesterday, XX/XX/2023, COLUMBIA DEBT RECOVERY LLC DBA GENESIS attempted to collect a debt on me that they likely know is not valid. Despite me clearly explaining why the debt is not valid, their representative threaten to send this bad to credit reporting agencies to hurt my credit score. 

I have previously submitted a CFPB complaint against the original creditor regarding this matter, Complaint Number XXXX.
Product: Credit reporting or other personal consumer reports

Dear XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; I hope this correspondence finds you well. I am writing to formally challenge the inaccurate reporting of my account ( # XXXX ), which has been incorrectly listed as having a balance of {$1600.00}. This account was settled and paid in full approximately 4-5 months ago for the amount of {$660.00}, and I have provided substantial documentation to prove this.

Despite this, I was recently informed by a finance manager while shopping for a new vehicle that the outstanding balance remains on my credit report. Over the weekend, I verified that the account is still being reported as unpaid, which has adversely impacted my ability to secure new credit. This erroneous and outdated reporting constitutes a violation of several key consumer protection statutes under federal law. 

In particular, under the Fair Credit Billing Act ( FCBA ) and the Fair Credit Reporting Act ( FCRA ), this situation violates several provisions, including but not limited to : 15 USC 1666b : Requires creditors to promptly correct billing errors, including errors related to the amount owed.

15 USC 1681i : Obligates credit reporting agencies to investigate and rectify inaccurate information in a consumers credit report.

15 USC 1692g : Mandates that debt collectors provide consumers with written verification of debt when disputed, and cease further collection until the matter is resolved. 
The reporting of this account is not only inaccurate but also inconsistent with the payment history, account balance, and all associated dates. The continued reflection of this account as delinquent is harming my credit profile, limiting my ability to access credit, and constitutes a violation of my consumer rights. 

I formally demand the immediate deletion of this account from all credit reporting agencies and the removal of any associated late fees. Furthermore, I request a thorough review of your reporting and records to ensure compliance with federal law. Failure to rectify these violations may compel me to escalate this matter through appropriate regulatory channels, as it has already caused undue harm to my creditworthiness and financial standing.

I trust this matter will be handled swiftly, in keeping with the professional relationship we have maintained, and I look forward to your prompt attention to this issue.
Product: Credit reporting or other personal consumer reports

I contacted each of these banks, and they confirmed they can not assist in reaching out to the credit bureaus because these were applications that were never processed into accounts. Additionally, the applications are beyond their 30-day record retention period, so the banks no longer have any records of them. 
I have also filed a police report regarding this matter ( Report XXXX : XXXX ) to document these concerns. 
They took a loan on my name with another bureau like XXXX. I see a loan that they have taken. That is why I took the matter to the police station. I was trying to reach out to support to remove these inquiries because I was a victim of identity theft.

Inquiry from XXXX XXXX on XX/XX/year> : Multiple inquiries from this entity appear on the same day, All these are unauthorized. 


Inquiry from XXXX XXXX  on XX/XX/year> : I do not recognize this lender, and I did not authorize any hard inquiries from them. 


Inquiry from XXXX XXXX  on XX/XX/year> : I do not recognize this lender and did not authorize a hard inquiry. 


Inquiry from XXXX XXXX  on XX/XX/year> : I do not recognize this lender, and I did not authorize this inquiry.
Product: Checking or savings account

in XXXX we deposited a check in my BANK of AMERICA account # XXXX from a costumer {$4200.00} until XXXX I saw a bank deduction for that amount, their note was saying duplicate item. I had to go to the bank to find out the reason, no clear answer. so until since then I visit the bank called customer service/ claim/fraud all I can do in my end and no help. 
Their explanation is someone else deposit the check in XXXX  after me, how Bank of America has the information if I have a letter from XXXX ( my customer Bank ) with my transaction and my stamp. 
I want to know where the money ended and why bank of America is releasing funds to the someone is not the payee in the check.
Product: Credit reporting or other personal consumer reports

Here Experian slaps me in the face and laughing at me and CFPB with this notification saying congratulations your score has not dipped in months EXACTLY AND IT HAS NOT WENT UP EITHER BECAUSE THIS FRAUDULENT CROOKED COMPANY STOLE NOW ALMOST 20 MONTHS OF ON TIME NEVER LATE PAYMENT HISTORY TO XXXX AND REFUSE TO GIVE THEM BACK JUST IMAGINE WHAT MY SCORE WOULD BEBIF THEY PUT BACK MY ON TIME NEVER LATE PAYMENT HISTORY
Product: Checking or savings account

On XX/XX/2021 I had 5 different t unauthorized transactions on my account totalling {$710.00}. I immediately contacted chime about it and was told I had to wait until the charges posted to my account in order to dispute them. So I did. On the 10th business day exactly I get an email saying they have closed my claim and that is was being denied! I contacted the dispute department and was told that I had 2 options which were either provide more evidence or request documents that they used in making their decision but that I would still not be eligible for the provisional credit! This company is a scam and needs to be shut down IMMEDIATELY!
Product: Mortgage

Case number XXXX They still won ' give me my money. I can not do what they ask it is impossible. Please help me to the next step so I can get My money Back. By the way I called them to get specific information on my loan they said they understood what I wanted but kept sending the wrong stuff. They were rude and being difficult on purpose. I needed the part in the contract that says that if XXXX XXXX or should die the house automatically goes to living person.. I gave plenty of information to them about his death and that my name was on it. They are harrasing me. The person, XXXX XXXX XXXX call any one about his death and she will not cooperate with me. Do I have a legle case to persue or is Umpqua Bank going to be able to still my money. AS i said once before I will sue for harrasement and theft.
Product: Consumer Loan

This vehicle was repossessed illegally, and I was never given a chance to recover the vehicle. Also never received notification of why there is any deficiency balance on the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on Decemebr XXXX, XXXX, requesting to remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$620.00} XXXX XXXX XXXX XXXX Balance XXXX {$13000.00} XXXX XXXX Balance : {$8900.00} XXXX XXXX XXXXXXXX Balance : {$5600.00} XXXXXXXX XXXX XXXX Balance : {$6200.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$20000.00} XXXX XXXX XXXX Balance : {$6600.00} EXPERIAN XXXX CRED XX/XX/XXXX EXPERIAN XXXX CRED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX CRED XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; that are UNKNOWN to me. I came across this law and according to FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove and block any accounts or information not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaints & I am including it again. Please comply with the law and have the disputed items removed as soon as possible.
Product: Credit reporting or other personal consumer reports

I have repeatedly asked you to verify and validate this account your willful non compliance and negligence has once again violated by consumer rights. The following inaccuracy exists in this reporting after re-investigation : Account Status : : is CLOSED but the Closed Date : has no info to support. 
Account name : XXXXXXXX XXXX XXXX Account XXXX XXXX