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

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained more then 38 times nonstop this is exhausting The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and hope from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have one negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and negative account its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation
Product: Credit card

I have submitted several payments through the mail. My most recent payment was submitted via express mail and was delivered on XX/XX/XXXX. It is now XX/XX/XXXX and it is still saying that I owe, when the account should reflect as paid in full. 


It is fraud to keep my payment and not update my account. The security was also notarized. Please see attachment. 

Tracking # XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is XXXX and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Product: Student loan

My loans were forgiven on or about XX/XX/2018 after I filed my first complaint with CFPB on XX/XX/18. Part of my request for resolution was that I receive any refund from overpayments immediately. Today is XX/XX/18 and I have not yet received the over {$4000.00} I am due in refund. Each time I contact XXXX XXXX, I have been informed that it is unclear when I will receive my refund and that there is no way to track my refund. Also, XXXX XXXX is not able to tell me if I will be mailed a check or if the money will be direct deposited into my account. I truly believe this to be unacceptable since this is my money. I need to know when I will receive it and how and if its much longer than 30 days after the forgiveness on XX/XX/18 then I am requesting interest to be paid.
Product: Credit reporting or other personal consumer reports

On or about XX/XX/XXXX I mailed out via XXXX certified mail an Identity Theft report dispute package FTC.gov instructs victims like me to use as a safeguard to make sure items are properly verified. The packages were XXXX certified to XXXX, XXXX and Transunion regarding an alleged XXXX XXXX XXXX account showing on my credit report. 
They received the first dispute packages on or about XX/XX/XXXX. I never received any correspondence or documentation. 
I waited patiently for 6 months. I then filed a direct dispute to XXXX  XXXX XXXX and enclosed " What Information Furnishers Need to Know '' This 8 page document was prepared by the Federal Trade Commission and explains what Data Furnishers need to send consumers like myself to resolve this Identity Theft issue as it relates to the alledged XXXX XXXX  XXXX Account.
Product: Money transfer, virtual currency, or money service

I wired {$25000.00} from my checking account at Wells fargo to an account at XXXX XXXX on XX/XX/XXXX. There is a pull-down menu in my WF account of accounts I wire money to and from often and the XXXX XXXX account appeared there. I paid {$25.00} to have the money wired. It was wired to an account at XXXX that is not mine. I did not check the details in the pull down menu as I have used this feature many times and things have gone as requested. My XXXX account details in the pull-down wire menu were replaced by someone else 's details. 

After several days when the money did not appear in my account I called both XXXX and Wells to figure out where it is. XXXX can see it in someone else 's account but can't transfer it to mine or put a hold on it so the person can take it out at any time. I filed an case with Wells Fargo on the XXXX to recall the funds WELLS FARGO CASE NUMBER XXXX The case has gone into a black hole and no one can see any activity on it or ownership of doing anything. I filed a complaint with Wells Fargo on XX/XX/year> with XXXX XXXX in the complaints department. I was told I would receive email record of the complaint. I did not. The money has in the wrong XXXX account for XXXX business days and I have received ZERO communication from Wells Fargo. Nothing about the case, the complaint, the money. At Wells Fargo I have spoken to the wire transfers dept., the online claims dept., the accounts group, the complaints dept. and more. No one can tell me anything and my money is still sitting at risk in someone's XXXX savings account. Yes I should have double checked the receiving account details before I sent the wire but in any case Wells should have the ability to recall my funds and also give me ANY INFORMATION as to whether or not that is happening, who is handling it, when I can expect resolution, a SWIFT number... .anything. I believe that my $ XXXX will never be seen again.
Product: Mortgage

We have had a mortgage with XXXX XXXX XXXX XXXX XXXX ( XXXX ) and its various successor loan servicing companies ( XXXX, NewRez etc. ) since XX/XX/XXXX, with XXXX mortgage accounts covering our monthly payment. 

In XXXX, XXXX offered us a loan modification changing our payment into a new amount and XXXX account as against the previous XXXX. We continued to pay without fail. 

In XX/XX/XXXX ( XXXX years after the loan modification ), we sold our house and requested payoff amount from NewRez, XXXXsuccessor company. We duly settled NewRez on the payoff and requested that the mortgage liens be released. 

They released only XXXX XXXX and informed us of a second loan and that we had to contact Shellpoint Mortgage Servicing ( Shellpoint ), to whom the loan was transferred in XXXX, to resolve. 

This was our first time ever of knowing there is any separate account since the loan modification or any outstanding balance. 

Key issues for us : XXXX. Why did XXXX display only XXXX account for us to pay after the modification, as against the XXXX loan accounts we were paying before the modification. This conveyed the impression that that was our total indebtedness after the modification. 

XXXX. Why was there no form of communication from XXXX to us as customers regarding the outstanding balance from XXXX ( year of modification ) till XXXX ( XXXX years ), the year they claim to transfer to Shellpoint. Why did XXXX not provide us Statements of Account and other evidence of indebtedness for any other balance? 

XXXX. Upon transfer to Shellpoint and thereafter, why did Shellpoint never send us Statements of Account and other evidence of indebtedness ( 3 years )? 

Kindly note that these servicing transfers are not arms-length transactions as Shellpoint is XXXX business Division of New Rez. So, it could not have been a case of them not knowing of the existence of the so-called accounts. 

We allege predatory lending, oppressive ambush and violation of basic principles of fair disclosure in Lending to the customer. We never knew of any Account Number with Shellpoint, any amount of indebtedness, any interest rate on the account, basis of any nterest rate accrual, if any etc. 

Waiting till our Sale of property to just produce an account number and an amount ( {$81000.00} ) that we were never aware of has caused us immense financial and emotional hardship. 

We kindly implore and request the Consumer Financial Protection Bureau ( CFPB ) to please use their good offices to prevail on Shellpoint to correct this injustice by directing them to release the lien on our property and release our money to us. 

Thank You
Product: Consumer Loan

BMW Financial Services claims I owe XXXX, it was previously a higher amount of around XXXX. The insurance company, XXXX, paid off the account less this amount. The vehicle was totaled in an accident on XXXX XXXX, 2016. The GAP company, XXXX XXXX, paid out the claim with no benefits. They claim the reason for this is due to an over payment by Met-life, they paid more than the stated settlement amount and according to a supervisor in charge, this caused the claim to be paid with no benefits. It appears they gave a different reply to BMW Financial Services claiming because the account was past due at the time, it was paid with no benefits ... Neither of their replies makes any sense to me and I believe they just make up a phony reason not to pay out. Needless to say, I refuse to pay a dime to XXXX XXXX, it will have to come from XXXX or XXXX. Complaints were filed with XXXX XXXX XXXX XXXX as well as XXXX office against XXXX, both unresolved. It appears XXXX ( XXXXClaims ) is shifting their response for non-payout of claim as explained before, their reply to XXXX named agencies stated over payment by XXXX caused claim to be paid with no benefits, no mention of account being past due. The amount of XXXX, is a settlement offer good through XXXX XXXX I believe. I have a counter offer of ZERO which is good until forever. If they are seeking any payment at all on this totaled vehicle, which was not my fault and have police report to prove it, I 'd suggest contacting XXXX or XXXXClaims. No payment will come from me on this totaled vehicle, not my fault. Please do not mark this as duplicate, there is additional information contained.
Product: Student loan

This is a continuous issue : Navient is claiming I have not paid my student loans in five months ; however, they cashed my previously sent checks, which cleared my account, and they did NOT apply those funds to my account. First time I called, they said they would research it. I continued to get emails stating I could go into forbearance if I was having problems paying ; but I had paid! Second time I called, they told me to print my bank statement and mail it in. I did that, highlighted where/when the checks were cashed. I continued to get the forbearance emails. Third time I called ( three weeks later ), I was told they never received the bank statement, that the address I was given was incorrect, and told me to upload it to my online account for them to review it more promptly ; and they said they would put a high priority on researching it, as well as remove it from my credit reporting, if they were in the wrong. I continued to get the forbearance emails. Fourth time I called ( two weeks later ), I was told they could not find the funds from the check and that they would put a high priority on researching it, again. I 'm trying to get my own place, and with them erroneously reporting I have not paid my bills in five months, it is impossible to find someone who will deem me reliable -- not to mention the incorrect reporting to my credit. I 'm at a loss, as I have done EVERYTHING within my power for them to make my account up to date, and they STILL have not done ANYTHING to remedy this situation.
Product: Checking or savings account

I am reaching out regarding a chargeback claim I initiated on XX/XX/year>, for a XXXX purchase of {$120.00}. Despite my best efforts to resolve this matter through the merchant and XXXX, I never received my item. Unfortunately, I was recently informed that my claim has been reversed, causing my account to go into overdraft. 

To provide context, I purchased the item on XX/XX/year>, and on XX/XX/year>, it was marked as delivered while I was out of town. Upon returning home, I found no package near my residence. I immediately contacted XXXX, but they took no action. I also filed a claim with XXXX, yet no one followed up. With no other recourse, I turned to Chase for assistance. 

Now, not only am I out of the money and the item, but Im also in an even worse financial situation due to the claim reversal. I called Chase XXXX XX/XX/year>, to understand my options and see if I could submit additional evidence, but I was told I had to go directly through the merchant. Unfortunately, when I contacted XXXX again, I was met with hostility and threats for escalating the issue to my bank. At this point, I truly feel helpless. 

Thank you for your time and assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently started taking more of an interest in my credit and I've noticed some fraudulent activity on my credit report. I've gone ahead and submitted a complaint with the FTC. These accounts are drastically affecting my credit report and they do not belong to me. Please remove them from my credit report. I have attached the report with the FTC regarding identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was applying for financing and was turned down and couldn't understand why. When I received a copy of the report Experian is not showing my open active positive accounts. It's upsetting because they are very quick to show the negative but not the positive.
Product: Credit card or prepaid card

I am a federally protected consumer who entered into a consumer credit transaction with Chase. I recently logged in to my account and noticed my account was closed XX/XX/21 without my permission. I made the minimum payment as I do every month and they decided to close my account which they do not have the rights or power to do so. I gave them my credit as the natural person/consumer in this transaction. They did not lend me anything as banks can not lend money/credit pursuant to 12 USC 83 . I mentioned billing errors on my account weeks prior and they did nothing about it. I believe this was the reason for closing my account and is a direct violation of the Equal Credit Opportunity Act. I will be sending my complaint to the Office of the Comptroller of the Currency as well as the Attorney General for Chase Banks Malicious Practices against a consumer. I want CFPB to publish this so that other consumers know their rights and aren't afraid of these bullies. This is my oldest credit card and they have ruined my credit. Please see conversation about the billing error that was never handled prior to account closing. I even tried calling and im on wait for 30+ minutes just to be hung up on multiple times. No one even answers the phone for me anymore. This is how they treat a consumer. PLEASE PUBLISH THIS FOR THE PUBLIC TO SEE.
Product: Credit reporting

I am disputing all hard inquires on my credit report because this is fraud and does not belong to me.
Product: Credit reporting

I found that someone did a hard inquiry on my credit 2 days ago and I am currently not applying anywhere for credit, I tried calling the company listed as CIC to complain but no one answered, I left a message.
Product: Credit card or prepaid card

The company refuses to proceed with grant of liability protection services as given by Master Card XXXX XXXX for two unrecognized charges under the grounds that both transactions were made with the card ( as claimed and submitted from our end to Barclay 's ).
Product: Mortgage

Cfpb front website page says were are on ur side but really they are not its amaze me that servicer lies and cfpb falls for it My hardship was created by the employer sudden XXXX off of income it will cause problem to the point that the sudden stress will have a suvier effect on the health. XXXX XXXX bank have a complete ownership to all of my problem because they knew what were they doing and they knew what a monster SLS are but XXXX XXXX was only interested about the profits they making off of selling my home My question is again my hardship was caused and created suddenly by my employer now is it ok that I loose my home become homeless??? 
SLS never worked with me they assigned Person name XXXX XXXX she was never available didnt mather what time of the day call her I spoke with her twice and the only thing she told me was to given my Home to SLS never tryed to help and work out Tords I stay in my home Requesting document repeatedly and still requesting and say they never received it XXXX XXXX XXXX ID # XXXX called me once and when I explain everything was happening She again request some document that I had allready faxed numerous times assured me that she will personally will work with me and help me but that was also a lie and nothing happened SLS requesting me pay them {$40000.00} After all the evonanatiom of how my hardship stared My question is what part of my hardship SLS didnt unferestsbd or what part of I have financial hardship let SLS to think that I have {$40000.00} to pay them. 
If I dont have a financial difficulty wound I be in the situation I am right now???? 
So cfpb I am asking u to pay attention to how SLS lies menaplate and twists things Again I was put in this mess by my employer and the results of it had a terrible impact on my health my wife has a XXXX XXXX her XXXX is high constantly Doctors tells me no stress stress cause XXXX XXXX XXXX XXXX dont work when I told the doctor about our situation he broke in tears This is this how it is when familys goes through hardship they have to die that is the results I requested many many times I need the name of the monster invester who cheated and gave me this garbage loan he shouldnt buy this loan and he made tuna a profit of of this trioble loan I know the invester dont care about me all he care about is his profit and thats the reason SLS comes to the picture With everything going on with us health concern I am not giving my home to anybody nor leave or move I ask SLS to work with me not evict me SLS claimed that they put me on a trile payment My payment was {$1600.00} when my husband got laid off statement is provided Now SLS put me on a trail payment for {$2000.00} how is this affordable????? 
Please unferestsnd that my hardship was caused and created by my employer the results should not be me become homeless There are many programs like forbreance Reduced interest late fees reduction principal balance etc I need invester to contact me
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am writing to formally dispute the following inaccuracies on my credit report. These incorrect entries are severely hindering my ability to progress in life, and the stress they cause is significant. I am unable to move forward with my personal and financial goals due to these issues, and I seek immediate action to correct them. 
I assert, under penalty of perjury, that the following accounts do not belong to me and that these accounts have been opened and/or used fraudulently. As I have been unable to resolve these matters through direct contact with the involved creditors, I now request your urgent assistance. 
Disputed Addresses : The following addresses are incorrect and must be removed from my credit report immediately : XXXX XXXX XXXX, XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX, XXXX, IL These addresses do not belong to me, and I have no association with any accounts or activities at these locations. These errors are affecting my credit, and I insist that they be removed to prevent further harm to my financial reputation and well-being. 
Disputed Accounts : XXXX XXXX Account Number : Amount : Date Opened : XX/XX/XXXX American First Finance Account Number : Amount : Date Opened : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX SUnder Dispute XXXX XXXX XXXX SDispute XXXX XXXXUnder Dispute XXXX XXXX XXXX XXXX. 

all ftc violations The Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on September 20, 1977 is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act The Fair Credit Reporting Act ( FCRA ) is a federal law that regulates credit reporting agencies and compels them to insure the information they gather and distribute is a fair and accurate summary of a consumer 's credit history. 

all the information are ftc violations
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to BANK of the West and requested that they remove the inaccurate late payments from my credit report. Bank of the West continues to report monthly to XXXX XXXX, XXXX, and XXXX nearly ONE YEAR of late payments when in fact the attached documentation will reflect that I paid faithfully in full the entire time that the report is reflecting adversely. If I had EVER been late ( which I was not ), I would have been contacted by the lending institution to resolve the matter. I have never received any correspondence from Bank of the West suggesting that I was late even ONCE let alone for an entire calendar year of 2019. 

I have attached a copy of my credit report which reflects 12 incorrect late payments in the year 2019. As you can see from the attached documentation, PROOF of on-time payments, but you can also see the discrepency in the credit bureau reporting that I HAD never once been late before or after the months in question. 

This is a clear violation of my rights under the FCRA which requires ACCURATE and TIMELY credit reporting.