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

ACCOUNT # XXXX Midland Mortgage gave a payoff estimate to the buyer ' s of my home. Payoff amount as provided, was wired to Midland mortgage and sale closed. I moved out of property because buyer ' s were investors and required that I move out immediately. Midland Mortgage then realized that they made a mistake with the payoff estimate that they provided. They claimed that there was a shortfall of about {$2000.00}.

Midland Mortgage started to report that as late payments on my credit report for all the months that they were trying to resolve this issue with buyer. Eventually, it was resolved, and extra payment was wired to Midland Mortgage.

The multiple late payments which was not my fault has made it impossible for me to get a mortgage for another home. I have spoken to Midland Mortgage about this severally, but they have done nothing.

Also, the mortgage loan is still showing as open and having a balance when in actual fact, the mortgage is fully paid and closed. Please help me sir/madam.
Product: Credit card or prepaid card

I have my payroll deposit funded through my XXXX prepaid rewards visa. The prepaid card offers a reward of one point per dollar spent and some occasions two times and three times points earned. Each point they state is earned per dollar spent. The prepaid card pays out rewards quarterly and there must be a minimum of XXXX points earned. That would equate to {$5.00} in XXXX rewards. 
Last quarter, XXXX through XX/XX/2018, once again the company shorted me on my rewards. I downloaded and calculated each months statenent. I should had been awarded XXXX points which equals {$83.00} in rewards. 
I was only awarded {$19.00}. A major shortage of {$64.00}. 
I continue to call the customer service number and continue to get the run around
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have encountered identity theft. I have no idea who could have done this to me. As I pulled my report, I saw an outrageous amount of accounts under my name that are not mine. Please delete these items from my report. XXXX XXXX {$140000.00} XXXX  XXXX {$15000.00} XXXX  XXXX {$950.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX {$4900.00} XXXX XXXX XXXX XXXX {$440.00} XXXX XXXX XXXX XXXX {$46.00} XXXX XXXX XXXX {$14000.00} XXXX XXXX XXXX XXXX XXXX {$600.00} FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX did a hard inquiry on my credit report When I did not ever applied for it.
Product: Debt collection

Debt was paid at least a year ago to creditor. Tried to straighten this out through XXXX XXXX, but collector refuses to remove debt from credit report.
Product: Credit card or prepaid card

I called and spoke to an agent XXXX to update my payment information as I made an online payment while out of the country with the wrong Finacial institution information. I was informed by the agent that she could not assist me with that, and that I was unable to process the payment and to update information via my mobile device. I explained that I was out of the country and did not have my own personal computer with me. I did share that I would transfer money via PayPal to my former financial institution in order to cover the payment. Later that afternoon, I received an alert on my phone regarding account closure I called back spoke with another agent and asked to speak with a manager. They put me through to XXXX who is an account manager with Synchrony Bank. I explained that I was out of the country did not have access to a computer and wanted to update my financial institution information as well as the fact that I am addressing return items promptly. The account has never gone 30 days past due and expressed also my frustration that I do not have the ability to update the information via a mobile device. XXXX offered to update the information whereas the agent earlier did not offer and told me I had to do it online. XXXX also brought to my attention that there were no documented calls regarding any returned items which to me is problematic.
Product: Checking or savings account

I deposited a check on XX/XX/year> that was a withdrawal from my XXXX account in the amount of XXXX USD, the funds from which were to be made available the subsequent day according to my deposit slip. Wells Fargo applied an additional hold for 7 business days, and upon my call on XX/XX/year> to customer service, they only noted that the reason for the hold was " Refer to the maker of the check '' and not able to provide any additional information.

I then reached out to my XXXX administrator on XX/XX/year> who processed the withdrawal and within 2 business days ( on XX/XX/year> ) was able to produce/provide evidence to me that the maker of the check ( XXXX XXXX XXXX XXXX XXXXXXXX ) had indicated the check had cashed and there was no indication on their end of a need to hold. 

On XX/XX/year>, along with a representative from XXXX administrator, I contacted a " banker '' on Wells Fargo 's customer service line, who was unable to help even after my XXXX administrator confirmed that there were no issues on their end and that they had been in contact with XXXX XXXX XXXX XXXX on my behalf. When escalated to a 2nd level support representative, my XXXX administrator again confirmed that the check had been cashed by the maker bank. I inquired with the 2nd level support individual if the hold could be cleared sooner than the estimated date of XX/XX/year>, and they said they " do not have a process to expedite release of a hold '' and that they did not have access to any senior level support with appropriate authority to do so. At best I was offered the ability to file a complaint, but they indicated that i would not hear from them for 10 business days.

As a consumer, this has left me in a very precarious financial position, as I withdrew this money due to a personal hardship. It is absolutely ludicrous that even upon confirmation with the maker bank of no issues ( the maker bank being the supposed reason for my hold ) that my money is still being held. I am a long term customer, gainfully employed with direct deposit, and am being offered no other reason as to why they are holding funds.
Product: Mortgage

I recently paid off a mortgage loan at AmeriHome Mortgage Company , LLC, XXXX, NJ XXXX. Within a day or two after the loan was paid off, online access to our records was abruptly cut off. I am now unable to see my last payment how it was applied to my loan. I am also unable to see a transaction history of deposits and payouts to and from my escrow account. I have not received any explanation or itemization for a refund check that we received in the mail. This is a rude and abusive way to treat a borrower. I need this information to balance my records and compute my taxes. I do n't think it is fair to ask me to lick a stamp or pick up a phone to get access to obtain MY information.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I discovered unauthorized accounts listed. I request the removal of these accounts, as they are adversely affecting my creditworthiness.
Product: Credit reporting or other personal consumer reports

I told the company I had no knowledge of this account I told them this was identity theft and they did nothing to help me my credit score has been affected when I have never seen or been in the vehicle their saying I have joint responsibility of and I have never signed anything or gave my authorization to co-sign I have a car a XXXX I pay faithfully with no issue I worked hard to get my credit up so I need this taken off immediately
Product: Credit reporting or other personal consumer reports

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX Balance Owed : {$690.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Owed : {$21000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

no response from the credit bureaus about my report
Product: Credit reporting, credit repair services, or other personal consumer reports

reporting a 30 day late payment for XX/XX/XXXX on a CLOSED XXXX XXXX Mortgage account on my TransUnion and XXXX XXXX reports. 

I have a letter from XXXX XXXX dated XX/XX/XXXX that says clearly in ( XXXX and white ) that I was never late for XX/XX/XXXX. 

Why is this still showing on my reports? I know it's old but it still is inaccurate.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX, and so on.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2019 I logged into my EXPERIAN account to unlock my 800+ credit report so I could complete a home improvement purchase. When I got into my account and clicked on unlock report, it did unlock, and then I saw there was a FREEZE on it also. I do not understand what or why that was there. Then I tried to UNfreeze my report and when it asked me for a pin # which I could not find and when I clicked I did not have it, the page said I need to WRITE by MAIL to them to unfreeze. That is and will be unacceptable to me. Again I had a business transaction going in my home and this outfit is " holding me up ''. I then tried to call a real human to get assistance and I tried a couple of numbers and got an identical robo voice with no assistance. The next day I tried to login and wow, I would use my username and password and get onto their site and the only page that would show was one wanting my credit card for {$19.00} a month. 
That made me contact you. Now I feel as thought I am being EXTORTED for money to unfreeze my report. And, please recall that these LOCKs etc. were suggested by these credit outfits because they got hacked and released personal information. What I want is my report unfrozen and to never have this happen to anyone else again. Please fix!
Product: Checking or savings account

On XX/XX/XXXX I made a deposit through the ATM a check for {$75.00} from XXXX XXXX made out to XXXX XXXX XXXX XXXX was caught in the machine Debit card associated with this transaction. I called Key bank that evening and the customer service rep told me it would take 2 days to clear up. On XX/XX/XXXX I went into Key Bank and I was told they had the check. I talked with a woman XXXX ( not the correct spelling of her name. She called me on XX/XX/XXXX and told me the were depositing this check into the account. THIS NEVER HAPPENED. I went to the bank on XX/XX/XXXX The manager told me the check was in dispute, and she would have XXXX call me. Which she never did. Extremely poor Customer Service with zero follow through. I requested from the manager the check back ... the issue is still not resolved. I have heard nothing from KEY Bank. 

The name on the account is XXXX XXXX XXXX XXXX .... My name is XXXX XXXX. I am asking that this bank IS INVESTIGATED, and this problem is corrected immediately. 

Thank you for you timer in this mater XXXX XXXX
Product: Student loan

I am currently in the process of re-verifying my income based repayments. I filled out the forms and spoke with a representative on, XX/XX/XXXX. They Stated that they had received my Application and that all I needed to do was send my proof of income. I am currently not working and I thought I made that clear during the process so I sent in an email my husbands proof of incomes detailing how often he is paid, which is all the information they requested. I put my account number in the email, and I left a phone number requesting a Call if there was any other information they needed to process the application. I called on XX/XX/XXXX to verify that my email was received. They stated that they had the information and that it should take a few weeks to process. I assumed this meant that everything was squared away and that I had completed my end of the process. I continued to make my normal payments. On XX/XX/XXXX I logged into my account and noticed that my payment had jumped from XXXX to XXXX. I immediately called the customer service line. When I asked why the payment had increased the representative stated that it was because I never re-certified my income. When I tried to get ask why my information was not processed I received unhelpful answers. I was first told that they never received my e-mail. When I stated that I was told by a different representative that they had indeed received my email on XX/XX/XXXX, I was told that it was impossible because they do n't have access to the email, and that no one would have told me that they received my information that quickly because it takes 48 hours. I then gave her the date and time that the email was sent, and asked to have her look at it she stated that she did not have access to the email. I then asked to be transferred to someone who does have access to the emails and she stated that the department that has access to it does not have phones. I then asked how I can resolve this issue, as I had sent the information in a timely manner, and am now being told there was no way for customer service to check. She stated that I could resend my information. This was unsatisfactory to me as I had already done so, and had proof of doing so and it still was not processed correctly. I then began questioning the legality of what was being done with regards to my account and she stated that she would put me on hold and try to find someone with access to the email account. When she returned she stated that she can not access the emails, and upon further review of my application my documents were received and processed on XX/XX/XXXX, but that they still needed my personal proof of income. I asked how I was supposed to provide proof of income when I do not work currently, as only my spouse is working. I was told I filled out the application wrong and that I needed to send in a letter stating that I currently have no taxable income. I then asked why no one notified me, as I clearly stated in my email to contact me if any more information was needed and the response was that she did n't know. I have sent the requested info to the e-mail on XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

Im writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPD lawsuit highlight significant issues with the platform.Dispute using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately.They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. the CFPBS findings indicate that Zelle has not only neglected to protect costumers 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 customer safety
Product: Debt collection

I have been disputing false accounts on my XXXX XXXXXXXX via XXXX and they have been " under investigation '' since XX/XX/2015. They have been having a negative effect on my credit account since and when I try to speak to someone at the collection agencies, I keep getting the run around and I'm told that the collection was transferred to a new collection agency. The said agency is not in my credit report at all and have never heard of them. The agencies are not helpful and the department I have to speak to is always closed. I have also been requesting debt verification but they say it's in the mail and I have not gotten anything. The XXXX  file number is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account has been paid in full, and per the creditor Midland Credit Management - this account was supposed to be deleted from my credit profile after it was paid.
Product: Debt collection

No proof of debt. Only sending lease and IP address signed. What is debt for? What are charges for? All rent was paid in full. This debt is also roommates not my own, photo proof.
Product: Credit reporting or other personal consumer reports

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a XXXX party. I have attached my XXXX and letters to this complaint for your review.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Experian XXXX XXXX XXXX XXXX XXXX have violated my rights once again I am here today. and, I am requesting these closed accounts to be removed Account name : 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, These accounts are also showing late payments which are actually illegal i don't understand why you were reporting these late payments they have not contacted me back when I wrote you guys in a letter explain them to you that I was never late on any payments.. The only way a corporation can possibly report a payment as late falls under 15 U.S. Code 1666b - Timing of payments. The FCRA 15 USC 1681a, 15 USC 1681s-2, 15 USC 1681n and Timing of payments 15 USC 1666b , Consumer request the Deletion of all transactions listed as late on their consumer reports. I have given you more than 30 days to rectify the situation and fix an update your systems to reflect 100 % accurate information You have failed to do so you have failed to write me back within the time. And I will be seeking professional representation of the small claims court if the matter is not solved today. Either way I am prepared in yOur last response you asked me to send my SSn #
Product: Credit reporting or other personal consumer reports

I sent this letter via XXXX Mail to Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/2024 Experian XXXX XXXX XXXX XXXX, TX XXXX Re : Dispute and Request for Verification and Documentation of Credit Report Entry XXXX XXXX XXXX Dear Experian, I am disputing the accuracy of the following account information currently being reported on my Experian credit report : XXXX XXXXXXXX XXXX XXXX account # XXXX, which shows a status of " Paid in settlement. {$290.00} written off '' and multiple late payments, including 150 days past due. I believe this is being reported incorrectly. 
Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I am formally requesting that Experian verify this account information with XXXX XXXX and provide me with copies of the following documentation as part of the verification process : The original contract or agreement that governs the account. 
A complete, detailed payment history substantiating the alleged late payments and the basis for the charge-off. 
An itemized breakdown and accounting of the {$290.00} charge-off amount. 
All correspondence and documentation related to the settlement of the account. 
Proof that XXXX XXXX has properly validated the debt in accordance with the FCRA. 
Please provide me with copies of all documentation obtained from XXXX XXXX as part of the verification process. If XXXX XXXX fails to furnish this documentation or if the provided evidence does not fully verify the disputed information, I demand that Experian immediately delete this negative item from my credit report, as mandated by the FCRA. 
Sincerely, XXXX XXXX XXXX Experian responded via email with this : XXXX XXXX XXXX, " We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request. According to the federal Fair Credit Reporting Act, " '' if the completeness or accuracy of any item of information contained in a consumers file at a national consumer credit reporting company is disputed by the consumer and the consumer notifies the company directly of such dispute, the company shall reinvestigate free of charge. '' '' Therefore, you can dispute any inaccurate information directly with Experian for free. 

If you believe that information in your personal credit report is inaccurate or incomplete, please call us at the phone number XXXX, or visit our secure web site to upload your documents at www.experian.com/dispute. 

Connect with your credit day or night for FREE. View your Free Experian Credit Report anytime. Refreshed every 30 days upon log in. No credit card required. Start Here! 

I called them, they verified my identity over the phone, and said they " could not '' respond to the letter.
Product: Credit reporting or other personal consumer reports

I've recently checked my credit report and noticed some inaccurate accounts reporting 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

on XX/XX/XXXX I received notice from my mortgage broker that there was a debt collection notice on my credit report which had dropped my XXXX credit score down to XXXX. 
The collection agency is Aargon -phone number XXXX. 
I contacted my credit monitoring company XXXX XXXX XXXX. Working with them we contacted Aagon, connected with a customer rep and was put on hold and then disconnected-this happened twice. I then called at XXXX XXXX, spoke with XXXX who said he had 30 seconds to speak with me then hung up on me as I was explaining the issue. 

The debt is listed for {$85.00} dated XX/XX/XXXX. I have not received any overdue bills or notices from this collection agency before today. I couldnt even find out where this bill was generated from. 

I am concerned that this agency is a scam and its about to significantly impact my interest rate and credit score.