23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I wish to file a complaint against Specialized Loan Servicing ( SLS ) regarding a loan modification. I had a foreclosure sale date of my home on XX/XX/2016. I contacted a HUD representative and they stated to file for Keep Your Home California ( KYHC ) Mortgage Reinstatement Program ( MRAP ) to bring my mortgage current and file for a HAMP. I worked with one point of contact and she knew I had applied for MRAP and HAMP. SLS approved the trial payments for the HAMP and KYHC approved MRAP and funded {$50000.00} to SLS on XXXX/XXXX/16. I had made XXXX trial for XX/XX/XXXX and XX/XX/XXXX and when I was funded, my KYHC MRAP, the XXXX trial payment for XX/XX/XXXX was paid off with the MRAP. On XXXX/XXXX/16, received my Hamp modification documents ; these were the official mortgage modification with my new mortgage payment and the HAMP loan terms were based on the MRAP applied to my account bringing it to current. I signed the HAMP Loan Modification documents, had them notarized and sent them back vis XXXX and received on XXXX/XXXX/16. 
My XXXX payment of my new HAMP mortgage was due XXXX/XXXX/16. When I went to pay online, my loan was different than what I had signed and agreed to. When I contacted SLS they informed me that on XXXX/XXXX/16 I contacted them and requested for my HAMP to be canceled ; the MRAP was still in place. SLS also stated that they had sent a letter to my home. I informed SLS that I did not contact them and request for my HAMP to be canceled. I asked time did I contact and with whom did I speak to ; every contacted is logged in their system. SLS stated that there was no representative I spoke to on XXXX/XXXX/16 and the notation that I contacted SLS to cancel my HAMP was computer generated. When I asked why this had occurred the represented could not give me an answer. Also, online there is a link to correspondence from SLS to me and there was no letter from SLS about this situation as the representative had stated. Because I missed the XXXX/XXXX/16 payment, that I was unaware I was to make, I received a default notice on XXXX/XXXX/16. It takes 3 late payments for default filing. Every conversation I have with a representative, I receive completely different solutions and responses. 
I requested what I could do to remedy this situation, it was suggested that I reapply for the HAMP. I 'm not guaranteed that I will receive another HAMP. 
The resolution is that I would like to review of this situation as to why my HAMP was canceled. I would like documentation of any policy that SLS has regarding having my HAM, documentation that I indeed contacted them and have my HAMP reinstated.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the item which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX Bankruptcy Filing Date XX/XX/2016 Docket XXXXDischarged
Product: Mortgage

Wells Fargo Home Mortgage is the servicer of my loan. Wells fargo Home mortgage has given me the runaround with the process of approving the short sale of my home. Wells fargo Home Mortgage has kept me in the dark about the status of my Short Sale request. Wells Fargo Home Mortgage has burdened me with excessive paperwork. Wells fargo Home Mortgage has have me filled out excessive number of documents. Wells Fargo Home Mortgage keeps on telling me that they did not received the paperwork after I sent them multiple times in multiple ways ( email, fax ). Wells Fargo Home Mortgage Employee in charge of the file when on vacation for about two weeks leaving everything on hold. When wells Fargo Employee returned from vacation, Wells Fargo Employee issue a denial of short sale letter. Wells fargo keeps on giving me the runaround.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2017 I contacted Navy Federal Credit Union via telephone asking them to remove a credit card account listed on my report that does not belong to me. The balance on this account is {$3500.00} with a limit of {$4000.00}. I was added as an authorized user without my knowledge. This account does not belong to me. 

The response I received stated that they were unable to remove the account so it is now listed on my credit report. The act of not removing this account from my credit report has caused unjust credit determinations and has lowered my overall credit score. I am requesting that this account be immediately deleted from my credit report.
Product: Bank account or service

I receive my social security XXXX on a master card from direct express. Which is an approved method from social security. On XXXX XXXX 2015 my account was wiped out. somehow, someone in California accessed my account and charged {$1500.00}. I discovered this on XXXX XXXX 2015 When I went to make a purchase at XXXX XXXX in my hometown of XXXX XXXX. I immediately called direct express & I was informed of these charges. I was told there was some type of a hold on the money & after XXXX XXXX I could get my money back.Nothing further needed to be done on my part. I requested a new card, which shut me out of the online service to see the charges. My new card came in the mail on XXXX XXXX. I got online to see that charges were still there. So i called direct express again & i was transferred to the fraud department. I was informed that I had not spoken to their dept. i was told they would mail me some forms to fill out. I went ahead & sent my own statement, contesting the charges as fruad. I received their forms on XXXX XXXX. Subsequent calls to direct express have not be addressed. I called Comerica bank which in on the card. I was told they only make the plastic. Direct Express has informed me that it takes up to XXXX days after receiving my dispute of the charges to give me a provisional amount. If approved., and the investigation could take XXXX days. And that if i was n't approved for a provisional amount it would take XXXX days to return my money. I can not pay my bills because of this fraud committed against me. Direct express has given me a run around and is not specific about my money being returned. I have filed a police report with the XXXX Police.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$880.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$880.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Original creditor : XXXX XXXX XXXX XXXXXXXX XXXX details 0 % paid off Balance {$1100.00} Balance updated XX/XX/2023 Original balance {$1100.00} Account info Account number XXXX Date opened XX/XX/2023 Account type Open account Status - Status updated XX/XX/2023 Payment summary Contact info Name XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Phone number ( XXXX ) XXXX No payment history available to display. 
THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN XXXX BUSINESS DAYS OF FRAUD RECEIPT
Product: Money transfer, virtual currency, or money service

On XX/XX/2025, I transfer {$9000.00} from XXXX XXXX XXXXXXXX web site to XXXX XXXX to pay off my home loan. About 2 weeks later I contacted XXXX XXXX why my loan is not pay yet. When I transfer the money I received a confirmation number from XXXX XXXX  XXXX web and the money was also taken out of my XXXX  XXXX XXXX account. XXXX XXXX  inform me they did not receive the payment. I talked with XXXX XXXX XXXXXXXX and was provided with information the payment was transferred to XXXX XXXX. And XXXX XXXX insisted that didn't receive my money.
Product: Credit reporting or other personal consumer reports

Experian is reporting an account on my credit report I havent given them or anyone else to use my credit they need to remove this account immediately Account name : XXXX XXXX XXXX  XXXX that starts with XXXX Fair Credit Reporting Act 15 USC 1681
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding zelles handling 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 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 or other personal consumer reports

I submitted this complaint to update this suspicious information. XXXX Credit Bureaus must validate this account by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX Balance : {$340.00}
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes and inaccuracies in my credit report. Despite my submissions. Equifax consistently repsonds within 24hrs saying the accounts are accurate without providing evidence of a thorough investigation. 15 USC 1681i is the violation. Furthermore, Equifax actions may also contravene the Consumer Financial Protection Act. XXXX should not show on my profile as it is reporting income as a charge off is income which is personal information being reported because the IRS has been notified of the income, XXXX ( I don't owe XXXX nor can I be late on this account ), XXXX XXXX XXXX ( I don't owe them any monies, or debt at and shouldn't be showing on my credit profile at all ), XXXXXXXX XXXX ( charge off accounts are income filed and should not be showing on a credit file at all ), XXXX XXXX XXXX XXXX was disputed as well that I do not own these accounts nor did I own them, the validity of account as inaccurate and Equifax stated with their INDIRECT 1st hand knowledge, OBVIOUSLY, the information was accurate and will remain on my profile. 
I have advised Equifax that my legal name is spelled XXXX  ' they have " XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX and I received my credit report to find that things were put on my report that was not authorized by me, I didnt give anyone written consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

These are not my accounts, and I did not authorize these companies to pull my credit. Additionally, my personal information is wrong on my reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

In a accordance with the fair credit reporting act XXXX  account # listed below has violated my rights 15 U.S.A 1681 section 602 A states I have the right privacy.

15 U.S.A 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 1692 section 805 A section 3 states as the consumers place of employment if the dept collection knows or has reason to know that the consumers employer prohibited the consumer from receiving such communication 15 U.S.C 1692 section 805 A states dept collector may not communicate with a consumer in connection with the collection in any dept at any unusual time or place known to be inconvenient to the consumer 15 U.S.C 1692 section 806 section 5 causing a telephone to ring or engage any person in telephone conversation repeatedly or continually with intent to annoy, abuse or harass any person at the called number 15 U.S.C 166b A creditor may not treat a payment on a credit card account under and open end consumer credit line as late for any reason XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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: Vehicle loan or lease

I found the auto refinance company on XXXX XXXX. I filled out all the paperwork and sent it to them on XX/XX/XXXX. I was assigned to XXXX XXXX. He did not review my loan amount, the cost of the gap insurance and extended warranty. He did not tell me what the interest rate was or that there is a {$500.00} loan origination fee. XXXX did not return my calls, and when I told him I was available he did not make an effort to call me at that time even though I explained the reason why I was not available at other times. He started texting me but even then he didn't respond to my texts. At one point I told him I wanted to cancel the loan. He said it was going to be funded soon and he didn't want to lose the deal. He guilted me into going forward despite my concern that the whole procedure was unethical. I did not get any information about the total of the loan, itemized costs of the Gap insurance or extended warranty ( that I told him I didn't need because I have one ) the loan origination fee, and the interest rate until I was given the name of the Credit Union that the loan is through. I sent an email and received the information two days later. I can get copies of the text messages, and they recorded all our phone calls on their end. This company is unethical.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX phone # XXXX XXXX ) XXXX This account is showing incorrect on XXXX, XXXX and Experian . The amounts, date opened, date reported and remarks are all different. this is not consistent, accurate or complete information. This should have been resolved in 2021. With XXXX it is showing paid and closed with a {$0.00} balance. This is a violation. This also shows willful noncompliance with XXXX and Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed with check systems to remove bank accounts off my report I sent them a FTC IDENTITY THEFT report, they said they will not use it, I explained to them that it works the same way as a police report I have reported to check systems that these accounts had closed due to the fraudulent activity by the banks, ( XXXX XXXX   XXXX ) I called and had this account closed due the amount that was charged I disputed because it did not belong to me at all and ( XXXX XXXX XXXX XXXX ) an amount was charged to XXXX account for XXXX dollars that I did not authorize and when I contacted this company sorry trash company it was out of business I have repeatedly ask XXXX XXXX to remove this account from my file at check systems because of XXXX XXXX credit union (, XXXX XXXX XXXX ) I had contacted this bank I can't talk to any. manager things were changed on my account by XXXX XXXX XXXX, this c company is. not very honest with customers my account was charged an amount they couldnt explain I ask them to close my account, these banks have the same illegal process the same as XXXX which I have sued twice for fraudulent charges and transactions, please investigate checksystems, I'm tired of being called liar, and that FTC identity report should work as the same as a police report they have failed to help and these people are very unprofessional, so please help I wanted to report this activity any check systems, because there are also fraudulent inquiries on my report I want removed
Product: Credit reporting or other personal consumer reports

This account is over the 7 year limit and should not be listed on my credit report. When I attempted to contact this company years ago, they did not have a working telephone number. They are still fraudulently reporting this account on my report and it needs to be removed immediately.
Product: Credit reporting or other personal consumer reports

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no XXXX  party involved. Please review the uploaded letters.
Product: Debt collection

On XX/XX/XXXX, I discovered a collection account in the amount of {$4500.00} listed under Hunter Warfield on my XXXX credit report. I was not aware of this debt, as I have never received any mail or email about it. Hunter Warfield has inaccurate contact information on file, including an incorrect email address and outdated XXXX XXXX number, which I no longer use. They do not have my current mailing address. 

On XX/XX/XXXX, I spoke with Hunter Warfield by phone and informed them that they have the wrong person, as I do not owe any debts besides my credit cards, which are current. Despite informing them of this, they asked me to provide my current phone number and mailing address, which I declined after being informed by XXXX to give them as little information as possible. During this conversation, the representative was polite but could not provide sufficient evidence to confirm this debt was mine. 

This debt is fraudulent and was either reported in error or is a case of stolen identity. I filed a dispute with XXXX the same day I discovered the collection account on XXXX XXXX, and I am requesting that Hunter Warfield validate this debt and remove it from my credit report. 

Hunter Warfield 's repeated calls to my outdated phone number, without sending a written notice, also violate the Fair Debt Collection Practices Act ( FDCPA ), which requires a written notice within five days of their first contact. I am filing this claim to have the collection removed from my credit report, stop further communication from Hunter Warfield, and ensure my rights are protected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. There are accounts and inquiries that I was absolutely unaware of. I have no idea who has stolen my identity but this isn't fair that people can apply for things without my consent and it goes on my credit. Please remove these fraudulent acounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX about credit reporting for XXXX of XXXX showing inaccurately. I requested an investigation XX/XX/XXXX. I was notified today there were late payments in XXXX that were inaccurately reported those would be removed. However XX/XX/XXXX would not. This loan should have been in forbearance at the time the late was reported. I requested documentation for the forbearance and was sent another borrowers information which was a violation of privacy. I did dispose of those documents due to them not being mine. I had a situation like this before and when I disputed it was removed from my credit because the info was inaccurate. This is causing a strain on my credit and should not be there. I have tried numerous times to get this info corrected with no resolution. 

Medicredit inaccurately is reporting a debt that was covered by insurance. I also have never signed a contract with this company and believe they violating HIPAA laws. 

XXXX is inaccurately reporting a debt I received a bill for {$530.00} XXXX disputed it with the credit bureaus and then got notification from the credit bureaus the debt was updated to {$2100.00}. I asked what is this about and they are staying the insurance company reverse a payment. I called the insurance company and they stated this is incorrect and they have no record of this. I have attached the initial bill that I have been fighting to have removed. The debt is inaccurate
Product: Checking or savings account

Submitted online application to XXXX for small business checking on Monday XX/XX/2020, with all necessary documents including federal EIN. Crickets. Not a single email after the initial receipt. Friday I logged in again, looked for some sort of contact info, found none ( which is super sketchy ), and was prompted by the website to take a " survey '' to which I responded it was sketchy not to give a solid estimate of application turnaround or a way of contacting them about the application. Immediately after submitting the survey, I received an email saying " we are reviewing your application. '' A couple hours later, application rejected, with no explanation or offer to provide explanation. Very obviously due to my critical review.