23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I was a customer of Wells Fargo from XXXX XXXX XXXX. I had numerous issues in that time frame with them. I had overdraft fees that I had to dispute and in XXXX they froze my account because I used my card somewhere I normally don't use it. When contacted about that issue, they stated that it was part of their security protocol. I was unable to complete any transactions that day due to this. Just some of the more recent dates they froze the account for " fraudulent activity '' were XXXX XXXX XXXX XXXX XXXX. This was a joint account with my wife and we both were affected by this.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint against XXXX XXXX and Credit Reporting Agencies ( CRAs ) XXXX, Equifax, and XXXX for violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Specifically, these entities have breached the following federal laws : 15 USC 1681b ( 2 ) : Unauthorized access to my credit report. 15 USC 1681s-2 : Furnishing inaccurate information and failing to correct and update information. 15 USC 1681b ( 3 ) : Improper use of consumer reports for adverse actions without proper notification. 15 USC 1681a ( d ) 2 ( A ) ( i ) : Consumer reports do not include information solely about transactions or experiences between the consumer and the person making the report. Late payments and utilizations are considered transactions and experiences and should be deleted. Additionally, charge-off accounts should be excluded from my consumer report pursuant to IRS rules and guidelines, as they are considered ordinary income and income is not reported on consumer reports. These violations have negatively impacted my creditworthiness and financial stability. I urge the CFPB to investigate these infractions and ensure compliance with federal laws to protect consumers like myself. Additionally, credit scoring models like XXXX and XXXX are proprietary tools and algorithms used by lenders to assess creditworthiness and determine credit terms, but they are not factors outlined in the consumer report or governed by federal consumer protection laws, which take precedence over individual bank guidelines. I rely on the CFPB to enforce federal consumer protection laws and regulations ensuring the credit reporting practices, including those used by lenders adhere to established guidelines and do not override the protections afforded to consumers under federal law. ACCT NUMBER XXXX
Product: Mortgage

My husband is 100 % permanent XXXX Veteran due to multiple XXXX and XXXX and a XXXX XXXX XXXX. Our lender was XXXX XXXX. We went to forbearance transitioned to loan modification- we received confirmation on our approved loan mod via call, email and mails, when the loan was sold to Mr Copper. We continuously receiving confirmation of our approved loan mod from Mr Cooper. I set up automatic payment with my bank but was returned. When I called MrCooper I was told " although it's approved we have to wait for the written doc that needed for my Husband and I to sign and notarized ''. Since then I called them almost every week and I get same response " to wait '' coz it says it their notes it has been sent ( it was XXXX of last year XXXX  ). Since then I have been calling them but never get anybody answer the call, calls put on hold for an hour and no one return my call ( I leave message to depart that offers voicemail ). We've been receiving 2 kinds of mails asking for us to pay in full the missed payment ( during forbearance ) and missing payments ( amount that was approved for loan mod ). Starting XXXX of this year, we've been receiving calls 2x a day but when we answer, the person on the other end drop the call. We know it's from MrCooper coz we tried to call them back but couldn't get hold of anybody. They want us start a new Loan Mod with the current APR more than double of our approved interest rate. MrCooper Customer service called me back and finally gave me the reason for the mess " XXXX forgot to send them " one document '' and they can't get hold of them ''. Because of it, they're penalizing me? we are living in a twighlight zone for a year now.
Product: Debt collection

In an attempt to refinance my home loan it was brought to my attention that I had a negative account on my XXXX credit score. I was not notified that this was still active on my account, as I have now found out that a new debt collection agency had purchased this debt. I was not notified by them via mail, and if they called I have not answered and spoken to anyone involving this. This debt is not valid, so I would have fought this debt, as I have in the past, which I am now doing since my discussion with my mortgage company brought this to my attention.
Product: Credit reporting

I paid for my credit report at XXXX and found that on XXXX XXXX, 2015 XXXX hard inquiries were pulled with concern to : XXXX and XXXX, so I called them. The information I received was an incorrect social security number, date of birth, address and employer was given when applying for auto loans. I was referred back to Equifax whom is reporting the XXXX hard inquiries. I 'm being bounced back and forth between Equifax and XXXX XXXX and XXXX Loans. I did not apply for any auto financing and would like CFPB to investigate this matter. As per my credit report this matter is only on my Equifax report.
Product: Credit reporting or other personal consumer reports

" I recently reviewed a copy of my credit report and noticed I had fraudulent account on my report. Please remove these accounts from my report. They are hurting my ability to obtain credit. ''
Product: Mortgage

On XX/XX/year>, I mailed an error resolution notice, per 12 CFR 1024.35, to Navy Federal Credit Union. I asked them to investigate a negotiable instrument accepted by them on XX/XX/year> that had not been applied to the account for the mortgage statement due XX/XX/year>. This failure to apply a payment accepted violates 12 CFR 1024.35 ( b ) ( 2 ). I received no response. 

On XX/XX/year>, I mailed an error resolution notice, per 12 CFR 1024.35, to Navy Federal Credit Union. I asked them to investigate a negotiable instrument accepted by them on XX/XX/year> that had not been applied to the account for the mortgage statement due XX/XX/year>, plus information for the error relating to the above-listed payment. This failure to apply a payment accepted violates 12 CFR 1024.35 ( b ) ( 2 ) I received no response to the error notice. 

On XX/XX/year>, I received an early intervention notice from Navy Federal Credit Union. 

To date, Navy Federal Credit Union has not investigated this error and has marked my account as delinquent for the two ( 2 ) above mentioned months violating 12 CFR 1024.35, and has continued to send statements showing an erroneous past-due balance. Credit report showing " past due '' payments is attached.
Product: Credit card

On XXXX XXXX, I could not log into my Citibank CostcoAnywhere account to pay my bill. A call to customer service revealed that someone requested a replacement card for my account. On XX/XX/2024, a replacement card was mailed to that person, first name XXXX, living somewhere in Pennsylvania. The address, email, phone number and password on my account where changed at the same time. The same person placed a travel notice on the account and made 38 charges in XXXX using the replacement card from XXXX. I received no communication from Citibank about any of these changes to my account. 
The account was closed, fraud dispute filed, address, phone number and email where updated and a new account was issued. I did receive email notifications of these changes. 
XX/XX/2024 I called Fraud and Disputes department to provide additional information. The representative located the " take over '' within the online Chat records. She confirmed that a replacement card was mailed to XXXX XXXX. I confirmed that I do not know this person and did not authorize anyone to use my credit card. Also confirmed I had made no charges in XXXX and have never been there. The original card was and is still in my possession. 
XX/XX/2024 I received a letter stating dispute was closed. " The card 's XXXX chip was used to make the pisputed transactions at a chip enabled card reader. You verified that your card was in your possession at the time of the transactions, so we do not consider this fraudulent activity. '' XX/XX/2024 Appeals with lawyer 's letter where mailed to XXXX XXXX and XXXX XXXX. I recived an email confirmation of receipt of new information, but to date have received no further communication from Citibank other that advertising and payment due. notice
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my credit report and I discovered many fraudulent accounts reporting false information on my credit report. My personal information was exposed in recent breaches and made my identity vulnerable. This fraudulent information on my report was a result of identity theft. 

In line with the FCRA 605-b, I request ALL the Fraudulent information be removed Immediately! I am being adversely impacted by this fraudulent information, I am a victim of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, IL XXXX XXXX XXXX Balance : {$0.00} XXXX, IL XXXX XX/XX/2022
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : 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: Credit reporting or other personal consumer reports

After reviewing my credit report, I discovered accounts that I did not recognize or apply for.

Upon further investigation, I realized that my personal information was exposed in several data breaches as well. I have no recollection of applying for any of the accounts in question, and they are negatively impacting my credit. Per section 15 USC 1681 c-2, any fraudulent accounts that I did not authorize or signed a contract for must be removed off my credit report in 4 days!

These fraudulent accounts are not only damaging my credit but also causing me significant stress and anxiety. I have no connection to these accounts and urgently request their immediate removal to prevent any further harm to my financial well-being.
Product: Student loan

All, Navient is a very corrupt company. I have been paying on my student debt since I graduated in 2007 and it has been 10 years. When I first got out of college I had to pay payments of $ 600- $ 700/month and the balance was n't going anywhere and still remained above {$100000.00}. Only when I was laid off and after several harassing phone calls from Navient which was XXXX at the time was I finally able to get themt o lower the interest rate from 5.25 % to 1 % and was late paying one payment and they jumped it up to 2 %. I have still continued making payments with an increased amount from {$400.00} to {$450.00}. Recently my contract ended with my employer and I am currently unemployed and actively trying find a permanent position. I finally discovered XXXX XXXX XXXX who is willing to help negotiate the debt except they are asking for {$730.00} every two weeks for 4 years which I obviously ca n't pay at the moment. While trying to discover new options to help pay down this debt I had to put a stop payment on my auto-pay for Navient for {$450.00} and I had to pay {$30.00} for the stop payment that last 30 days. It had n't even been 2 weeks and Navient pulled the money using a different Navient business name from my account on ( Saturday of all things ) and drained and over-drafted my account. I was of course furious when i found out and was n't sure how this happened given the stop payment and the fact that I also called them twice to have them delete my bank information and told them that I was working with XXXX to resolve my student debt. What they did is ILLEGAL to  change a business name and pull funds under another title for Navient which I was informed by my banker to how they did this. They also have me recorded for " quality assurance '' when they called me to inquire about not receiving their payment after I already called prior to inform them why I could n't make that payment and that I was working with XXXX. Navient has some nerve and because of this I am fed up with them thinking they can do what they want. I am contacting a lawyer in regards to this illegal action for charging my account without authorization and the numerous harassing phone calls as well. CFPB please contact me as soon as you can for more information.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you REMOVE the following inquiries immediately : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX Follow-Up : No Response Received Regarding Late Payment Dispute** Dear Sir/Madam, I am writing to follow up on the letter I sent on [ XX/XX/XXXX ], regarding the late payments marked by your company for my account on the following dates : Date of Late Payment : XX/XX/XXXX In my initial correspondence, I requested information pursuant to 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ) and 15 USC 1666 ( b ), specifically regarding the reasonable procedures you have adopted to ensure timely and accurate reporting of payment history on my consumer report. Additionally, I requested a written explanation of how these procedures align with the requirements set forth under section 1637 ( b ) of Title 15.

As of today, I have not received a response from your office. According to the Fair Credit Reporting Act, you were obligated to respond within 30 days of receiving my letter. Your failure to respond within this timeframe implies that you may lack the necessary procedures to verify the accuracy of the late payments reported. 
Given the absence of a response, I request that you promptly remove the late payments from my account and update my consumer report with the credit reporting agencies ( XXXX, Experian, and XXXX ) to reflect this correction. The negative marks on my credit report are adversely affecting my financial standing, and I urge you to address this matter with the urgency it deserves. 
Please confirm in writing that the requested corrections have been made and that my account has been updated to reflect a positive status. You may forward any updates and responses to the address listed above. 
Thank you for your attention to this matter. I look forward to a prompt and positive resolution. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX : XX/XX/XXXX SSN : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted multiple disputes for fraudulent hard inquiries and fraudulent accounts. 

Experian accounts - XXXX {$16000.00} XXXX XXXX XXXX {$7400.00} XXXX hard inquiries - XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information for the second time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the XXXX credit bureaus must check these accounts ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I had a health emergency that needed to be addressed. I could not afford heath insurance at the time. I was unaware how this would have a negativeimpact to my credit. I was not offered the opportunity of finacial assistance. Date opened XXXX, 2014. Date filed XXXX,2014.
Product: Credit reporting, credit repair services, or other personal consumer reports

equifax has me reported as deceased and this is causing problems. No one at this agency wants to talk with me or receive information from me.
Product: Mortgage

I have a mortgage with Truist. My son, myself and my husband are all on the deed to the house and on the loan. Its my sons primary residence. Truist over withheld escrow last year and sent me a refund without the required interest. It lowered the payment commensurate with the lower property taxes. I then continued to pay the higher amount expecting the additional amount to be applied to the principle balance. Without any written notice to me, Truist raised the payment amount and reverted to the previous payment, and instead of applying the extra amount to the principle balance, it continues to keep the money. I have spent hours on the phone with them and even contacted the Truist Chief Financial Officer. He knows this is happening and had someone contact me and that person never followed through. I was contacted a week ago. I told her all she had to do was call the property tax office and they would corroborate what I stated. Crickets. I sent a text to the CFO again, and again, crickets. I even sent a XXXX message and was thanked for my patience. Truist is keeping extra escrow and they will not pay me with interest as required by Federal law, and under Alabama law nor will they apply it to the principle balance. The taxes are about {$3300.00} a year and insurance is about {$2000.00}. They are withholding {$720.00} a month and refuse to resolve this. Its not that tough. They have one job. My suspicion is that this is a common practice that allows them to make more interest by refusing to elevate complaints, by refusing to respond to mortgage borrowers, and by refusing to refund the interest.
Product: Mortgage

From the period of XX/XX/XXXX onwards, Shellpoint has categorically failed to respond to a series of inquiries on the status of an ongoing mortgage payment and any payments to be made thereof. Shellpoint ( " they '' ) have repeatedly stated false and misleading fee and penalty amounts for fees we did not agree to. The customer service line continually lies and gives false information to any party that calls with voiced concerns. Every time we call, it is a different story, and a different amount. We *SUPPOSEDLY* owe XXXX, then XXXX, then XXXX in " late fees and penalties '', then, when we demand an itemized list of these fees and charges, we are given no answer for weeks, only to be sent a file which we can not open or read. Managers refuse to speak to us or honor appointed calls, often ignoring us in lieu of us leaving a voicemail only to get no calls back. They have rejected at least one payment outright and have closed the online portal to pay, demanding we instead send paper checks by mail. Ultimately, they have also stated we have not paid any mortgage payments for several months in the year of XXXX, when this is totally and completely untrue, a blatant lie, fabricated. The bank records show we have issued them payment. At this point I can not tell if this is incompetence or criminal activity. We are considering legal action and hiring an attorney.
Product: Mortgage

XX/XX/2020, a final inspection was processed reflecting 100 % completion to the property for damage due to smoke and water. MidAmerica Mortgage has yet to release the balance of insurance claim funds held in the amount of {$22000.00}. Numerous calls and emails have been made to their customer svc dept, loss draft dept, and to the president ; however, no one knows why the funds have not be released or when they will be released. They are in violation of Texas Insurance Code.
Product: Credit reporting, credit repair services, or other personal consumer reports

It was reported on my credit that i owed XXXX XXXX XXXX XXXX dollars. it was reported on XX/XX/2018. The company XXXX XXXX has taken over the debt. i have since called the company between the dates of XX/XX/XXXX-XX/XX/XXXX can't remember exact date, but i called and asked if i paid off the debt will it be deleted off my credit report. i was told yes but i would have to pay in full. so i did pay in full and the money pulled out of my bank account on XX/XX/XXXX. i was then told by my credit fixing company that it shows paid but the company is still keeping it on my account. i called on XX/XX/XXXX and asked the enhanced company why is it not deleted off my account i was told they don't delete but they do show its paid in full and kept on the account. i then explained to them that's not what was originally told to me and in fact it was stated that my account would be cleared. i then told them due to this my credit score will remain in a negative light and i wasn't sure why if my account is cleared of the debt why can't it be deleted. again i was told they don't delete items off the accounts, they just say it was paid off.
Product: Checking or savings account

In a nut shell I was scammed by a loan company XXXX XXXX XXXX XXXX & they got into my checking account & reversed all the charges/Bill 's that I paid and they are saying they never received the payment. So now I'm getting phone calls, emails & text from all these people wanting their money.Meanwhile all the reversed money is sitting in my account, & they won't let me take it until they investigate. I was the victim of fraud and now I can't get my money & they closed my acct. I had to go & get another bank go through all the changes that goes along when something like this happens but it's not right. I DID NOT do anything wrong. The name of the bank is J.P.MORGAN CHASE. So that's basically it. I had to borrow money from a friend to pay some Bill 's & to eat. So it's not only the loan company that XXXX XXXX XXXX me the bank did as well. I really hope you understood all this & you can help me. Thank you. 

XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has my Capital one account showing negative until 2022 and there has not been a late payment in over 2 years. 

There is nothing showing late nor is my account negative for 24 months I 'm also filing with the FTC on XXXX for there reporting practices.