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

My father XXXX XXXX XXXX passed away XX/XX/2019. We were told he had no will or value to his accounts upon contacting his financial institutions and accountant to handle his affairs. 
I called Wells Fargo and made them aware our father had passed and we sent out all necessary death certificates. 

Still, months later, a mysterious account for my father appeared out of nowhere for him evidencing some money in the account. I do not want to deal with this error as its been hard as it is losing my father. 
I believe some fraudulent behavior occurred in connection with his passing that has resulted in this bank error. He always had XXXX   XXXX  from our knowledge and suddenly he has this mysterious wells Fargo bank. 

I wrote them a letter and there has been endless identity related issues that have resulted in connection with my fathers PII, my PII and daughter XXXX XXXX ( XXXX XXXX ). 

Please assist in any way possible. As I spoke to probate and though my father died in XXXX they will not handle his probate matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

transunion has failed to provide EVIDENCE of debt to include documents of claim, copy of unpaid bill or other evidence that with late payments. Dates are all wrong I never had late payments with XXXX XXXX 120 Days Late XX/XX/2013 Opened {$0.00} High Balance {$0.00} Balance
Product: Credit reporting or other personal consumer reports

This company is not on my credit report has not been on my credit report since XXXX  I've been asking for this to be removed the personal statement and the personal statement is still there
Product: Mortgage

My mortgage has been sold twice now. The currently company is Fay Servicing XXXX XXXX XXXX and they have been giving me inconsistent information over the past month and a half. I was in a forbearance with my original servicer, XXXX XXXX, after losing my govt job of 11 years when I had to report my supervisor for falsifying govt documents. I was suddenly and unexpected in a terrifying situation, but was trying to find my way through. XXXX XXXX put me on the forbearance until I found a new job, with the promises of either paying interest only or principal only on the outstanding balance, or adding back into the loan. When I went to make my final forbearance payment and had successful employment again, I was told that my loan had been sold. The next company, XXXX XXXX XXXX (  XXXX ) never answered their phone, had recordings their offices were closed and did not communicate with me. I finally was able to talk to someone who said I needed to resubmit the paperwork I had submitted to XXXX XXXX for a refinance or some payment plan. They denied all efforts and stated they were going to take my home. Covid hit and my loan was then sold to Fay Servicing. XXXX  never notified me that they sold my loan. Fay told me that I again needed to fill out paperwork and that they " would run the numbers until a repayment plan would fit my needs. '' That they would help me get back on track ( I now had a new job with significantly more income ). I had to talk to a different person each time because the person assigned to my loan would never call back. I submitted all the requested paperwork on XX/XX/XXXX and again on XX/XX/XXXX with the assurance that they were in the business of helping people and that I needed to give them 30 days to work this out. After calling the acct manager 's supervisor numerous times, he finally called me and was extremely aggressive, judgmental and hostile toward me. I asked to speak with his supervisor and he refused - it's all on their tapes, if they actually records calls. I filed a complaint with the legal dept who said my file was missing many documents. I asked for a new account manager but was refused. Now, 30 days later I called for an update on my payment plan and to see when I can make payments I was told " nothing has been done on your account ; there is no payment plan. '' The acct manager documented I need to pay all or nothing and they would foreclose in XX/XX/XXXX. I again left messages for the supervisor and the legal department. No one will call me back. No one has done what they said they would do. My requests have been for one consistent person to talk to, to help me figure this out, to ask me questions if needed and to get this on track. All requests are being ignored. I don't know who else to contact because they are not doing their job, the account manager presents as emotionally unstable and intentionally avoiding doing his job. PLEASE HELP ME!!!
Product: Mortgage

Related Case Number : # XXXX & XXXX Ocwen alleged in their response ( XXXX ) that I claimed they " directed '' me to get a lawyer and discontinue scheduled mortgage payments. ( " We respectfully refute your allegations that we forced you into hiring an attorney and caused you to stop making monthly payments. '' ) I did nothing of the sort. What I indicated was that they declined my applications for assistance in XX/XX/XXXX. My financial situation was exactly the same in XX/XX/XXXX ( DECLINED ) as it was when my next application was begun again in XX/XX/XXXX ( LATER APPROVED ). The ONLY difference in my situation, between XX/XX/XXXX and my later attempt in XX/XX/XXXX XXXX, was that I HIRED AN ATTORNEY and to afford, said legal assistance, DISCONTINUED MAKING MONTHLY MORGAGE PAYMENTS. One unintended, though extremely valuable benefit, was that OCWEN/Lender now had to confront the very high costs of the foreclosure process, maintaining the property, and the significant losses, if & when, they were able to sell it. So while they never verbally, or in writing, " directed '' me to STOP making payments or HIRE an attorney, they behaviors with earlier attempts certainly did precisely that. AS A RESULT THEY CAUSED THE MISSED PAYMENTS & THAN PENALIZED ME FOR DOING SO. 
With regard to the appropriate and required revisions to my credit report they claimed : " We are obligated to report the account accurately to the credit bureaus.. ''. As a result I 'll require PROOF that was in fact a " legal obligation '' ; required by relevant LAWS in place at the time. Also, a complete list of said laws so that I may conduct a review. 
Finally, with regard to eliminating the balloon payment. As with all agreements everything is negotiable. When the market crashed in XX/XX/XXXX I continued to make monthly payments on the loan, ( fraudulently initiated & reported to the NY AG ) at an interest rate several time higher than the lender could have gotten anywhere. So, I personally kept their balance sheet in the BLACK for over half a decade. Their mortgage modification, while lowering on-going payments, adds a balloon payment after 30 years that effectively forces me to buy the home twice. Effectively making me a 30yr RENTER with XXXX Equity. So I 'm merely asking the lender to eliminate the balloon and help BAIL ME OUT in the same way I did them ; by virtue of my continued timely mortgage payments and tax dollars to bail out their mortgage industry.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I wrote the courts stating that I have a bankruptcy on my credit. The company responded XX/XX/2023 stating that they don't report to the credit bureau. I then sent a letter to XXXX, Transunion, and XXXX on XX/XX/2023 asking for this information to be removed from my credit report. They responded XX/XX/2023. This information is incorrect. The courts dont report to the credit beau. Therefore, I would like for this information to be removed my credit report. 

Each Credit Braue Is in violation of the following, 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act
Product: Checking or savings account

Over the weekend over XX/XX/XXXX-XX/XX/XXXX there was funds present in my Chase bank account ending XX/XX/XXXX XXXX with about {$7.00} in my band account and making a single insufficient funds transfer of {$34.00} when i wole up at XXXX XX/XX/XXXX My bank account with a negative balance of {$360.00} for 6 consecutive {$34.00} insufficient funds fees that were transactions I had made with funds in my account when I called Chase they keep telling me they do not understand me ... all I want is my money back as I had made those transactions correctly and with funds present in my business checking account
Product: Debt collection

What happened was I recently started taking a look at my credit reports after being denied credit and I am concerned to find an account reporting incorrectly by LVNV FUNDING LLC. I sent multiply letters to them regarding this issue telling them that this information is invalid in the amount of {$1000.00}.
Product: Credit reporting or other personal consumer reports

I am following up on my complaint dated XX/XX/2024 regarding the consistent oversight of my requests for correcting the erroneous status of my account by your agency. Despite multiple written submissions, I have not received any response thus far. Furthermore, inaccurate information concerning my accounts persists on my credit reports, indicating potential non-compliance with the Fair Credit Reporting Act, specifically 15 USC Sections 1681, within the legally mandated timeframe. The continued reporting of unverified information raises concerns of willful negligence and non-compliance with federal statutes, despite my persistent efforts to address the matter directly with the creditor. Below are the accounts that continue to be reported : Experian : XXXX XXXX Balance : {$6200.00} XXXX XXXX Balance : {$78000.00} XXXX XXXX Balance : {$19000.00} XXXX : XXXX XXXX Balance : {$7300.00} XXXX XXXX Balance : {$78000.00} XXXX : XXXX XXXX Balance : {$6200.00} XXXX XXXX Balance : {$78000.00} XXXX XXXX Balance : {$19000.00}
Product: Mortgage

It is about Escrow balance last year. I moved in to my new house XXXX/XXXX/2016, the escrow that they hold was about {$9000.00} to pay for Home insurance and property tax. The XXXX tax that they pay was only {$500.00} and Homeowner insurance is only {$810.00} dollars. They send me analysis that I have big balance and it is going to be refunded to me by XXXX. It is now middle of XXXX, I still did n't received the money. I called and send several emails, they said it is process and takes 7-10 business days. I am getting no where with Seneca Mortgage Company.
Product: Vehicle loan or lease

As of XXXX i had a XXXXXXXX XXXX in which I was charged almost XXXX dollars the engine caught on got repoed once it was towed they sold the sell which made me responsible for remainder of balance the car was a lemon from jump the car barely made it a year I didnt understand what I was signing when I purchased the car I put down XXXX and the note was XXXX a month now Im being garnished for the rest of my life
Product: Mortgage

I had a mortgage home equity line of credit with USAA Federal Savings Bank and in XXXX the account was charged off. In XXXX, they gave me a XXXX for the charged off balance, which I filed with my taxes. They are still reporting the whole balance and it should have been XXXX once the XXXX was issued. It has affected all my financing since XXXX due to this fact.
Product: Debt collection

I attempted multiple times to recieve more information on the debt owed and the collector refused to give me any information but wants me to settle debt. Collection has been removed from all credit bureaus due to lack of information except XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope you can help me with this issues I am having with the credit bureaus. Back in XXXX of this year XXXX notices on my reports there were some collections that were not mine. I have attached the disputes to this complaint. This is now XXXX and these items are still on my reports. WHY??? I can see that they have me as a mixed file with my mother so why is it taking so long so fix this problem. I am hoping you can make this look into this and remove my mother collections from my reports.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a recent data breach. As a result, I request that all accounts associated with my personal information be blocked and deleted in accordance with 15 USC 1681c-2 ( a ). 



XXXX  XXXX XXXX Account number : XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX Account number : XXXX XXXX Bank Account number : XXXX XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX Account number : XXXX
Product: Credit reporting or other personal consumer reports

I have continued to ask for a signed contract with a wet signature and can not get them to produce XXXX. This loan was taken out online and is fraudulent. 

XXXX XXXX XXXX reported XX/XX/XXXX {$1800.00} Reported balance. 
Highest balance {$3300.00} You've paid off 45 % of this loan. 
Checking for errors? Review your full report details. If you find any issues, we can help. 
OVERVIEW Highest balance {$3300.00} Monthly payment {$100.00} Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) Term XXXX  month CONTACT INFO RXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX ( XXXX ) XXXX
Product: Student loan

My life has been a total disaster especially since XX/XX/XXXX and the arrival of covid-19. I have not been employed as a XXXX XXXX XXXX   or any other employment since XXXX '. Taking care of myself and significant other ... we barely keep a roof over our heads and maybe food on the table? I/we need forgiveness of this student loan. the stress and anxiety are overwhelming to say the least. Please Help. Sincerely, XXXX XXXX XXXX  XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them the last letter for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, XXXX has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Below are the accounts that are still reporting on my account : XXXX XXXX  Date of inquiry XX/XX/2020 XXXX  Date of inquiry XX/XX/2020 XXXX  Date of inquiry XX/XX/2020 XXXX  Date of inquiry XX/XX/2020 XXXX  Date of inquiry XX/XX/2020 XXXX  Date of inquiry XX/XX/2020 XXXX  Date of inquiry XX/XX/2020 XXXX  Date of inquiry XX/XX/2020 XXXX XXXX Date of inquiry XX/XX/2020 XXXX  Date of inquiry XX/XX/2020
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX, UT. XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/scrub>/2024 To Whom it may concern, I am reaching out because Experian is helping account name put incorrect information on my credit report related to the account below : Account Name :XX/XX/XXXXAccount # : XXXX As defined by the IRS XXXX The IRS considers a charge-off to be income, either as gross or ordinary income, income like this doesn't belong on a credit report, so this information on my credit report isnt accurate.

IRS rules classify any canceled debt or charge-off as income. Reporting this as a debt is incorrect.

According to 15 USC 1681 s-2, account name, as a provider of information to a credit reporting agency, is prohibited by law from sharing inaccurate info. I'm requesting that you delete this inaccurate information from my report right away.

15 USC 1681 S-2 ( a ) ( 1 ) ( A ) : ** A person shall not furnish information relating to a consumer to any reporting agency if the person has been notified by The consumer at the address specified by the person for such notices, that specific information is inaccurate, and ; the information is, in fact inaccurate. 

In summary, Ive shown you that this information is wrong, and youve been notified. Keeping this inaccurate info on my The Report violates the Credit Reporting Act and your role as a credit reporting agency. 

Please delete this incorrect information from my report immediately Thank you
Product: Debt collection

Hi, my name is XXXX XXXX. I have been violated by XXXX XXXX XXXXXXXX. They do not have a contract with me in order to work in commerce with me. I do not consent. They have stolen my personal property. The consumer credit transaction was not instated with them as witnesses and they are thieves who have stolen my property from me. see document further. 

STRIKE ACCEPTANCE is in dishonor as they failed to rebuttal an affidavit with an affidavit. Therefore, my affidavit stood as truth and they are not to collect on this any longer. The account is closed and a 1099-C form was not given to me!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, TransUnion, and XXXX  have violated the United States Code 1681g - Disclosures to Consumers and United States Code 1681b ( 2 ) Permissible Purpose of Report. This is in violation of the FCRA. 

XXXX, TransUnion, and XXXX  are reporting a XXXX XXXX XXXX, XXXX account on my consumer report, account number XXXX. XXXX XXXX has violated the FDCPA section 809 15 U.S.C. 1692g validation of debts. I sent XXXX XXXX a Validation letter XX/XX/2021. They have yet provided me with any validation of the debt as required under FDCPA section 809. This debt is deficient of Physical verifiable Validation. I never gave XXXX, TransUnion, and XXXX  any written instruction nor permission to report the account on my consumer report. Per FCRA section 604 15 U.S.C. 1681b ( 2 ) clearly states any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with written instructions of the consumer to whom it relates. I never gave XXXX, TransUnion, and XXXX  any written instructions to report this account. XXXX, TransUnion, and XXXX  have not sent me any contract between them and I which gives them permission to furnish my consumer report. This can be considered IDENTITY THEFT. XXXX, TransUnion, and XXXX  keeps reporting this account as verified but has yet to send me any verifiable proof on how this account is verified. They have not sent me anything as required per FCRA section 609 ( a ) ( 1 ) ( A ) 15 U.S.C. 1681g -Disclosure to Consumer. They are required by federal law to verify through the physical verification of the original signed consumer contract, any and all accounts that they post on a consumer report. Otherwise anyone paying for XXXX, TransUnion, and XXXX  reporting services could fax, mail, or email in a fraudulent account. FCRA section 611 gives me the right to request an explanation of the verification method used by consumer reporting agencies. XXXX, TransUnion, and XXXX  have not sent me the documentation used to verify the dispute. Under the FACTA SEC 312 ( b ) and ( c ) I request a copy of the records. If this account is not removed immediately I will seek monetary damages under the FCRA section 616 and 617 for willful and negligent noncompliance.
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. I've contacted XXXX XXXX XXXX & they told me I've never missed a payment, yet Equifax refuses to remove me from being listed as late on XX/XX/20 on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do Equifax 's job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please remove the late date from this account : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Account appears on customers credit profile twice. I have reached out to both CKS Prime Investments , LLC XXXX XXXX XXXX XXXX XXXX 
CKS PRIME INVESTMENTS , LLC Account Information Address XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Open Account Loan Type XXXX XXXX XXXX Date Updated XX/XX/XXXX High Balance {$760.00} Original Creditor XXXX XXXX XXXXXXXX XXXX Past Due {$760.00} Pay Status >Collection< Estimated month and year this item will be removed XX/XX/XXXX Remarks >PLACED FOR XXXX XXXX XXXX XXXX Account XXXX Address XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, DE XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Revolving Account Loan Type CREDIT CARD Date Updated XX/XX/XXXX Payment Received {$0.00} Last Payment Made XX/XX/XXXX Pay Status >Sold ; was Charged-off< Terms Paid Monthly Date Closed XX/XX/XXXX High Balance ( Hist. ) High balance of {$490.00} from XX/XX/XXXX to XX/XX/XXXX ; {$760.00} from XX/XX/XXXX to XX/XX/XXXX XXXX XXXX ( XXXX. ) Credit limit of {$500.00} from XX/XX/XXXX to XX/XX/XXXX ; {$500.00} from XX/XX/XXXX to XX/XX/XXXX Estimated month and year this item will be removed XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Equifax has reported that, The account XXXX ( XXXX ) in the amount of {$12000.00} is in Closed Status which is not. The true status of this account is in Collection off. I'm still receiving calls and letters from XXXX XXXX XXXX asking to pay XXXX % of the remaining balance proof of that will be downloaded in the CFPB document attachments so that Equifax can view the facts.
Product: Checking or savings account

Charged $ XXXX service fee on checking account when funds dropped below {$5000.00}. This happened for 5 months in a row, even though I had over {$15000.00} in savings account at same bank and only wrote XXXX or XXXX checks in a 7 year period, likely no more than XXXX during the time I was being charged the exorbitant service fee. I want to know what service I received for my money since there was little or no activity on that checking account. Also, it took XXXX phone calls to get PNC bank to agree to give me the rewards that I had already earned and twice been denied when I decided to take my money elsewhere. The bank only agreed to send me the rewards money after I told them that I was filing a complaint with this government agency.