23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Re : XXXX On XX/XX/XXXX, I received a letter stating my mortgage payment from XXXX had been reversed again due to insufficient funds on XX/XX/XXXX. Shocked, I immediately contacted my bank, XXXX, who confirmed that no reversal was recorded on their end and that my XXXX mortgage payment had posted without issue. I then called NewRez and spoke with XXXX XXXX, who claimed that my XXXX payment had been refunded twice due to a stop payment. However, according to both my bank and NewRez 's own correspondence, only one payment had been reversed. This left me in a situation where NewRez showed two payments reversed, despite me having paid them validly on both XXXX and XXXX. The original issue was with the old servicer, and that had already been resolved, yet NewRez inexplicably reversed an additional payment. Despite my valid payments, they assessed a {$20.00} fee and couldnt explain why the second reversal occurred. XXXX insisted that I had XXXX XXXX payments reversed, but I had only stopped payment on one, and I only received funds back for that one. After confirming with XXXX, I saw no evidence of a second reversal. When I escalated the issue, I spoke to XXXX XXXX, who was kind enough to reverse the fee but couldnt comprehend how their system had reflected two reversals when only one occurred. 
After investigating further, XXXX confirmed that NewRez had mistakenly reversed the payment twice with no clear explanation, admitting they had completely mishandled the situation. She even filed a complaint on my behalf, but the lack of attention to detail and the unexplained errors were egregious. I informed her that I would be following up as well on my open complaint. So, now I have to trust the company who has lost over XXXX and assessed a fee to me without resolve, someone who simply wants to pay their bill, to fix this and reflect appropriately. Imagine all the thousands of people not so anal about their finances getting money stolen from them with a fee to boot. Fix this. Investigation is needed!
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax as incorrect information on my credit report that they need to update
Product: Mortgage

My wife and I use 21st Mortage to purchase a mobile home in XXXXXXXX XXXX XXXXXXXX original purchase price was {$30000.00}. Unfortunately, we filed cXXXX XXXX XXXX in XXXX on the home from XXXX XXXX XXXXXXXX. On this particular claim, we paid {$10000.00} on principle on the home which was supposed to be deducted from the original amount of {$30000.00}. Which the amount of the home after the deduction should have been {$20000.00} My wife and I file another XXXX XXXXXXXX claim from XXXXXXXX XXXX XXXXXXXX on the home. The claim amount that was allowed was {$23000.00}. We paid {$14000.00} on that claim which should have deducted from the {$23000.00}. The amount on the home should have been {$5900.00}. After the XXXX XXXX claim was dismissed due to my wife becoming XXXX 21st Mortage Company claimed that we owed {$30000.00}. My wife and I got approved for a grant from the XXXX for {$14000.00}. This means that the mortgage company has received {$39000.00} up to date. We are asking for someone assist us in this matter.
Product: Debt collection

This company has 3 fraudulent accounts showing in my name. I was a victim of identity theft which was reported to the FTC. The company has refused to manually remove these items from each credit bureau resulting in the damaging and misuse of my credit report. This is a violation of 15 U.S.C. 1681 et seq. Please delete them items manually and report them as fraud to all of credit bureaus and original creditors
Product: Credit reporting or other personal consumer reports

I have previously disputed this fraudulent account last year and this account was removed from my credit report. I have even sent a notarized signed affidavit and an FTC report to the company directly and also to your company and now this fraudulent account has been sold or whatever to another company and has been put back on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX XXXX XXXX responded with a letter that clearly shows they are in violation of the ECOA and 15 U.S. Code 1691 ( a ) ( 3 ). They are willfully and knowingly violating my consumer rights. I have attached their response which shows the violations.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> by mistake I had zelle money to a wrong person ( XXXX XXXX XXXX ) using my XXXX XXXX XXXX app. 
XXXX wrong recipient has returned the money to her bank wells fargo to return it to my XXXX XXXX XXXX account. 
For some reason wells fargo is holding that ( {$450.00} ) money since XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit bureaus stated my account was properly investigation but how is that possible if the open date inaccurate, the last active date is inaccurate, the account says open but others say closed. This ground for removal they also violated my rights under 15 U.S.C 1681 section 602 A. states i have rights to privacy. 

15 U.S.C 1681 section 604 it also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I was applying for a loan and was notified that Experian had the incorrect birthday on my account. I called Experian and submitted a dispute on XX/XX/2019 which I was told was resolved. I never received a mailed report of this resolution. I tried to log in on-line but was told that there was a problem with my account and could not log in. I called the number listed ( XXXX ) and spent an hour going through the automated system twice and the automated system told me that I could not access my information despite entering all my information correctly. I was instructed by the automated system to send a letter, but was not provided an address, and do not have time to write a letter before XX/XX/2019 when the dispute resolution will be unavailable. This is unacceptable and I am not able to speak with a human being. There is no recourse either on line or by phone. I am not able to speak to a person. I am requesting for the company to do the following ; 1 ) contact me in person to let me know about the dispute resolution, 2 ) provide me access to my account on-line.
Product: Credit reporting or other personal consumer reports

I noticed some unauthorized inquiries on my credit report this morning, and Im completely baffled by their appearance. When I checked my report as usual, these discrepancies showed up unexpectedly. I even tried refreshing my browser, thinking it might be a glitch, but they were still there. This situation is extremely frustrating, and I urge you to review the documents Ive submitted carefully so I can finally put this issue behind me.
Product: Credit reporting or other personal consumer reports

the following accounts at NOT MINE - XXXXXXXX XXXX / XXXX / {$500.00} / Opened XXXX, XXXX ( 7 years ) XXXX XXXX  / XXXX / {$890.00}. / Opened XXXX, XXXX, XXXX XXXX XXXX  / XXXX / {$820.00} / Opened XXXX, XXXX XXXX / XXXX / {$470.00} / Opened XX/XX/XXXX ( 8 years ) XXXX XXXX XXXXXXXX XXXX / XXXX / {$690.00} / Opened XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX/ XXXX / {$400.00} / Opened XX/XX/XXXX ( XXXX )
Product: Credit reporting or other personal consumer reports

Was never informed about this collection account. I never received any information about this debt. I am supposed to receive legal disclosures/notices regarding any debt a collector puts on my credit report.
Product: Credit reporting or other personal consumer reports

Hello, I have been paying XXXX XXXX a monthly fee for over three years to monitor my XXXX scores and see my credit reports in real time each month as I am shopping for a home. They have been a great company to work with. 
My credit scores have remained across the board between XXXX for a long time. I use one credit card every month and pay the balance like a debit card to maintain these scores. I have never missed a payment and this reflects in the current XX/XX/year> credit report, however, all my scores suddenly dropped over 100 points this month with no late payments or over limit amounts. In short, nothing changed on my end. For whatever reason, my consistent on time payment this month is the only suggestion the credit card company has offered so far and this makes no sense. I am following the credit card terms and on time payments, most of the time paying above and beyond including the full balance and early and I am now being penalized this month with no explanation, while lowering my scores across the board to XXXX. 
I have worked hard to maintain my credit and now either XXXX XXXX or XXXX credit card are not playing by their own rules. In my XXXX decades on this earth, credit scores only drop like this when payments are late or over limit or fraud, not paid early, on time and in full. I am respectfully asking for CFPB 's support as I intend to file in small claims court if this is not corrected by XXXX. There was no reason for this to happen and after two calls to XXXX card services, emails to my local branch and calls to XXXX XXXX, no one will find a solution to a problem I did not create. Thank you. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX submitting yet another CFPB complaint regarding the erroneous accounts reporting on my Credit report. I have been submitting CFPB complaints as well as send dispute letters requeseting for the correction of the erroneous accounts on my Credit report and it is clear that the Credit Bureaus have never even conducted a proper investigation on my Credit Report and have kept insisting that the disputed accounts were NEVER ERROENOUS ansd HAVE BEEN UPDATED. This is just nonsense since every month I have been checking for updates with my Credit Report and it is clear that they have done nothing! Under the FCRA section 609 and 611, the Credit Reporting Agencies are required to verify the accounts disputed by the consumer and provide copies of documents as verfication that the information reported are true. None if this were done by the Credit Bureaus and have been insisting that the information they report are true. I have reached the limit of my patience, if the Credit Bureaus can not correct the disputed accounts, it is better for them to delete the disputed accounts from my Credit File. Under the provivions of the FCRA, I need the following accounts DELETED, if they can not correct, from my Credit report : XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} DEPT OF ED/XXXX XXXX Balance : {$0.00} DEPT OF ED/XXXX XXXX Balance : {$0.00} DEPT OF ED/XXXX XXXX Balance : {$0.00} DEPT OF ED/XXXX  XXXX Balance : {$0.00} DEPT OF EDXXXX XXXX Balance : {$0.00} DEPT OF ED/XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$10000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because I see that Experian 's Privacy Policy states : We share your personal information with third parties you expressly authorize, consent to authorize, consent to, or direct us to share your information with. I did not provide Experian with any written authorization, consent or instructions to accept, furnish, or report information on my behalf
Product: Student loan

Back in XXXX XXXX XXXX, I called XXXX  and requested a XXXX XXXXXXXX discharge document. Once I received this form it was filled out by my Physician at the time and mailed back to the company and its still on my credit report as well as affecting my credit score. My original loan was through XXXX XXXX which has been sold to a different company a couple of times.
Product: Credit reporting or other personal consumer reports

I am listing 2 inquiries fraudulent from my Transunion Credit Report and 1 inquiry from Equifax Credit Report. Fraudulent inquiries from Transunion : XXXX XXXX XXXX and XXXX XXXX XXXX Fraudulent inquiry from Equifax : XXXX. XXXX, XXXX XX/XX/2024. Listed inquiries do not belong to me and must be removed from my Transunion and Equifax Credit Report. I had a call with the company and the credit reporting agency advised me to fi le an identity theft report for deletion. I am requesting Transunion and Equifax mark these inquiries as fraudulent and remove from my Credit Report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Account Number : XXXX I am a victim of identity theft this is not my credit account. 

XXXX XXXX Account XXXX : XXXX I am a victim of identity theft this is not my credit account. 

XXXX XXXX Account XXXX : XXXX I am a victim of identity theft this is not my account. 

Employers : XXXX I am a victim of identity theft this has never been my employer. 

Also Known As : XXXX XXXX I am a victim of identity theft this is not my name. 

Employers : XXXX XXXX XXXX XXXXXXXX XXXX am a victim of identity theft this has never been my employer. 
XXXX XXXX XXXX XXXX TX XXXX I am a victim of identity theft this has never been my address.
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 using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claim adequately. They informed me that recovering lost funds was impossible and tracking these transactions was unfeasible. The CFPBs finding 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.
Product: Mortgage

Late last year I contacted your services regarding the delay & process of our mortgage account with Ocwen. Finally we received notice that our family quailifed for HARP program & the papers were being processed. In the mean time we were intructed that there needed to be XXXX " downpayments '' made in the amount of {$1000.00} & were to be paid before the XXXX XXXX, 2015 due date. We were informed that the new monthly mortgage amount were not available until all the " numbers '' were adjusted in the system. We indeed made the XXXX payments in full using our yearly income tax return. Now I am getting statments that our mortgage is behind & our payment are double what they were when we applied for the program. Our original loan owed was around {$71000.00} & {$540.00} monthly. Now our balance is aroung {$96000.00} with monthly payments {$1000.00}. I am in tears over this issue maybe someone on your end can assist us because we are confused believing this would help save our home NOT give it to Ocwen. Our Ocwen XXXX # XXXX. Thanks for your help again, -The XXXX XXXX ...
Product: Checking or savings account

Skrill never sent a {$2900.00} refund of my checking balance after they closed my account!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this grievance as Im at my wits end with communicating with TD BANK US HOLDING COMPANY. This complaint stems from issues with the TD Bank website. As with all my credit tradelines, I set up auto pay for my account to ensure the payment obligation is met monthly. However, unbeknownst to me, the auto pay did not save within their system. When I reached out to TD Bank once I was alerted of the missed payment ( as in my mind I was setup on auto pay ), I was advised I am not enrolled in auto pay & that I should have received an email advising the auto pay set up. How is one to know that as I am not employed by TD Bank to know the confirmation process? It is my experience given the digital age were in that when there are errors it wont allow you to proceed yet there were no alerts in RED or otherwise to advise the entry was set up incorrectly. I take great pride with my credit obligations, hence the auto pay, and have never experienced the lack of customer service or accountability that I have had with TD Bank, which resulted in the closing of the account. I would like the XX/XX/2022 XXXX-day late hit removed from XXXX, XXXX and XXXX due to erroneous and inefficiency with TD Banks website & their alerts. Being in an industry of proving a service to customer, this experience has been a lack thereof. Hopefully this wrong can be made right. Thank you for your time and consideration.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus never did a proper investigation according to the FCRA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information They did not do this Also they have violated my rights even more In accordance with the Fair Credit Reporting Act everything has to be 100 percent accurate on my credit report The Credit Bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate and the date last reported is inaccurate. This is grounds for removal.

They also violated the law because according to 15 U.S.code 1681 1.section 602A State : I have the right to privacy 15 U.S. code 1681 section 604A States : it also states a consumer reporting agency connot furnish a account without my written instructions I did not give anybody written instructions Delete all inaccurate accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to XXXX Breach back in XX/XX/XXXX I've become a victim of identity fraud - some of my personal information but not limited to get into public access. Since then I've been fiercer-fully struggling to keep my information protected and put a id fraud notice on my credit report with all 3 major bureaus - XXXX, XXXX and transunion.In XX/XX/XXXX I've discovered that some of the addresses I've never resided at been reported. After a phone call I've discovered that there are 2 credit accounts were opened on a person XXXX XXXX XXXX, using my credentials - such as SSN. I've reported such activities to FTC Identity Fraud Department and called XXXX XXXX XXXX. They assured me that they will start investigation. At the same time, I've reported such activities to XXXX. XXXX requested additional documents to proof my point which had been sent to them via USPS XXXX. As of XX/XX/XXXX, literally nothing had been done - these fraudulent accounts still could be seen on my report.
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1681a - Definitions ; rules of construction STATES ( 2 ) ExcLUsloNS. Except as provided in paragraph ( 3 ), the term " consumer report '' does not Include ( A ) subject to section 16815-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report, XXXX XXXX XXXX you're supposed to put my payment status is paid in full. The status of my account is supposed to be paid in full.
Product: Credit reporting or other personal consumer reports

Delete this account for Violation and inaccuracy because the last paid date for XX/XX/year> reported is incorrectly on XXXX, Equifax and XXXX. In addition, number of late payments and status of account on XXXX do NOT match with Equifax, and XXXX. Account of Late payments are incorrect, and Date reported are incorrect on XXXX, Equifax, XXXX Account name XXXX XXXX Account number XXXX
Product: Student loan

Student loans repayment do not resume until XX/XX/2023. Navient has reported my account to have late payments and is saying I am 5 payments behind. They have added fees to my balance and interest. In addition to reporting this to the credit agencies and it dropped my credit score XXXX points!
Product: Vehicle loan or lease

Capital one is incorrectly saying I was late on payment when it was due to their error. They researched and said I would have to file a dispute even though it was their fault.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to an auto dealership and they told me that they were only doing a soft pull on my credit but as soon as I check my credit report, I realized that there were many hard inquiries reported on there. These inquiries are 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: Debt collection

Regions bank took {$2000.00} out of my savings account for a secure loan of {$2000.00} I informed them to keep the {$2000.00} they took out of my savings account to pay off the secure loan in full and close the account they took my money but they are still trying to collect money from me bye sending me a bill still on this account which should have been closed.
Product: Student loan

I believe that Navient has used unfair business practices when servicing my loan. The loan was taken out XX/XX/year> for {$16000.00} through Sallie Mae and was transferred to Navient that added all interest owed to the principal. They stated that I was disqualified from the original interest rate reduction I had received under Sallie Mae, and my loan is currently in repay at 10 % interest ( variable ). The Unpaid principal on the loan is {$14000.00} even though the payments I have made when added up, cover the original amount borrowed. They have my total interest accrued on the loan to be {$16000.00} with a payoff date of XXXX/XXXX/XXXX. When I took out this loan it was supposed to be paid off in ten years. I have requested that my co-signer be released several times, in writing and submitting the required paperwork, but each time it is denied. I have met the requirements of XXXX consecutive payments, and they have no right to deny my cosigner being released. Navient changes terms on a whim with no recourse for the borrower.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a loan with  XXXX  in  XXXX   XXXX , it is now  XXXX   XXXX  and they are still reporting this on my credit report. They are reporting different information to all  XXXX  credit bureaus. To my knowledge the statue of limitations for this reporting on my personal credit report has long pass. I would like for them to provide me with an explanation to why this account is still showing on my report. And if this account is outdated, I need for it to immediately taken off my credit report and updated reports sent to me reflecting any changes made.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously sent you a letter on XX/XX/2023 but I have not received any response from you. As per the FCRA, it is mandatory for you to provide a response within 30 days.
Product: Credit card or prepaid card

I opened a Hilton Honors credit card XX/XX/2021 with the promotional offer of 80,000 bonus points with {$1000.00} spent within 3 months. When I logged into their website a few hours later after having been approved for the card they advertised to me the same card with a promotional offer of 100,000 bonus points with {$1000.00} spent within 3 months. ( This is a difference of {$80.00}. ) I inquired why there would be such a glaring difference and if I could have have the promotion being offered to me today. They said it could not be done. I suspect this is a form of digital redlining and would like this sales practice to be investigated. ( I would also like the more favorable promotion valued at a difference of {$80.00}. )