23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I received a call from XXXX at XXXX ET on XX/XX/23. It is the Chase Customer service number. I was asked if I was attempting XXXX wire transfers in the amounts of {$9300.00}, {$9400.00}, and {$9100.00}. I said no. I was told that the transfers were still pending and that Chase could reverse them. I was then directed on how to supposedly reverse the transfers through my app. I unfortunately did what I thought was right since I assumed this was Chase calling me when in reality they were scamming me to send money. The callers then tried to get me to do another transfer. I hung up and called the number XXXX back. It went to the actual Chase Customer Service/Fraud Security center XXXX I explained what happened and was told I was the victim of a scam. I stayed on the line and filed a claim. I was then told my claim was denied since supposedly I initiated the transfers when in actuality I was scammed into thinking I was talking to Chase and fixing the issue. I have phone records showing the incoming call from the Chase number. I did not initiate this ordeal. I went to my local Chase bank in XXXX, OH and had the branch manager assist since my initial call claim was going nowhere. The claim is now open and under investigation. I have also spoken with XXXX to try and figure out how someone was able to clone the Chase customer service number. All of the transfers were to XXXX XXXX. The routing numbers for all three wire transfers were XXXX. The cities were, XXXX, FL ; XXXX, TN and XXXX XXXX, FL. One of the account numbers was XXXX. I have had many scams attempted before and have been able to catch them. The only reason this one was successful was because the number calling me was a reputable Chase number I have called many times and is recognized. I want to know how this number was able to be cloned from an international bank no less. I also want to know how this is not considered the definition of fraud and my money is not insured for this through Chase. I am sure I can get the additional account numbers the money was sent once I talk to Chase and get the details from my account. This is the best I could find on my own. This is a lot of money and I can't afford to have it lost. This would not have happened if Chase had better cyber and phone security. I need this problem solved asap and my full amount refunded. I have done nothing wrong and look forward to any assistance I can get. Thank You
Product: Credit reporting or other personal consumer reports

As of XX/XX/year> : My XXXX  report reflects a Credit Alert of Delinquent Account Reported By XXXX XXXXXXXX XXXX XXXXXXXX I called the lender Raymour & Flanigan who confirmed that in fact the account has been paid in full, it is in good standing and contested fees in the amount of {$40.00} will be credited to my account as of XX/XX/year>.
Product: Credit reporting or other personal consumer reports

Ive been calling Transunion every weekday for past 3 weeks and they will not help me. This is my 5th time trying to fix this situation with Transunion and they do not seem to care what goes on, I have let them know in past complaints that there are unauthorized inquiries in my report, and since these are not mine they should be completely wiped out and deleted from my consumer report. I have called in several times and the customer service line never wants to help, they put me on hold for 20 minutes or more and ask me to talk to the issuing company about the inquiry. Why? I did not make those inquiries, I supply them with all my correct personal information so they know its me, and im letting them know that they are completely unauthorized, yet they do not do anything about it. Transunion has impeded me from getting other credit products and this is just unfair since I pay all my debt and due dates on time every single month. This company is supposed to be protecting customers and they need to be corrected and I wish they would listen to consumers. They are causing me constant XXXX and stress, please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Late Payments In accordance with the Fair Credit Reporting Act this creditor has violated my rights. 

Under 15 USC 1681 section 602 states I have the right to privacy. 

15 USC 1681 section 604 A section 2 - it also states a consumer reporting agency can not furnish an account without my written instructions. 

Under 15 USC 1666b - a creditor may NOT treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

Due to these violations I have a right to sue per violation.
Product: Debt collection

The Law Offices of Patenaude & Felix, A.P.C. contacted me to collect a debt for their client : National Collegiate Student Loan Trust. Within this phone call, I asked for proof that they own a loan which they believe I owe money, in which I've never seen the original paperwork. I was unaware that verification request should be made in writing to the pursuant company within 30 days of first contact. 

When I was speaking with a representative from The Law Offices of Patenaude & Felix , A.P.C., he said if I do not start to pay the loan, then he will be forced to take legal action [ sue me ]. I felt very threatened by the situation and continue to get calls from them where I'm afraid to answer.
Product: Credit card

I have been trying to to resolve XXXX credit card accounts by paying smallaount for each of them But Citibank has been sending their formattedletters without any specificity or without letting me know about myproposal. They say they responded before but their response isuseless. I hope this time they let me know if they will accept total {$1000.00} for settling both accounts.
Product: Prepaid card

In XX/XX/year> I was charged {$1500.00} by XXXX XXXX XXXX 2 times. I did not authorize ANY of these transactions. 1 transaction dropped off but I was charged the second one. I filed a claim with Bank of America and they are refusing to return my money. These were my XXXX payments from the State of California, I would never authorize such a transaction. Claim number : XXXX
Product: Credit reporting

XXXX XXXX XXXX XXXX reported around 6 late payments while all my payments and current and no late since they approved my loan Modification. I have documents showing my loan commencement with XXXX XXXX XXXX XXXX. My first modified payment began XXXX/XXXX/2014 and others payments required by XXXX XXXX XXXX XXXX were done onXX/XX/XXXX/XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/2014 in the amount of {$1400.00} each month and on time
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX  XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 Ay States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I looked at my account on XXXX of XXXX, and noticed some things are incomplete and not accurate as far my credit reporting on all XXXX  credit bureau. According to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report, it shall follow procedures to assure maximum possible accuracy of the information concerning the individual, about whom the report relates. 

The account from XXXX XXXX is showing as inaccurate balance when its closed. 
Account Number XXXX XXXX XXXX XXXX Account was paid off on XX/XX/XXXX of {$780.00} As of XX/XX/XXXX account was closed, meaning I couldn't have used the credit card any time after it was closed. 
As of XX/XX/XXXX balance came to {$0.00} Now all of a sudden I have a balance of {$1000.00}, that I don't know of.
Product: Mortgage

I was working with my old mortgage company XXXX on a loan modification. The file was complete. They decided to transfer the loan to Fay Servicing on XX/XX/XXXX but the sale date was XX/XX/XXXX. XXXX told me they will stop my review because the loan was being transferred even though the file was complete and I had to work with the new servicing company. Fay servicing is stating they will not review my file because the sale date is within 37 days. It is beyond unfair to me that the loan was transferred within 37 days of my sale date which is blocking me from having the bank review my file. Fay also stated even if XXXX sent them the full modification file they would not use it because they have their own forms so I had no chance of a review because Fay took over the loan 30 days before the currently sale date.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am sorry I had to come to this point, but I have been disputing inquiries with XXXX for some time now from companies that I never authorized to use my information. What is killing me now is their website is telling me that my information was compromised in their data breach and I 'm devastated because I have been telling them forever that there is a bunch of inquiries that I did not authorize anyone to do. A few months ago I had got a email notification from a monitoring service that I use that someone has logged in my account which was not myself or my wife because we were together. I hurried up and change the passwords to all of our accounts immediately. It 's so scary not knowing who has my info and is using my info to try to get themselves a car and cell phones and I guess what seems to be a new mortgage. 
*XXXX XXXX Inquiry from XX/XX/XXXX *XXXX Inquiry from XX/XX/XXXX *XXXX XXXX Inquiry from XX/XX/XXXX *XXXX Inquiry from XX/XX/XXXX *XXXX XXXX Inquiry from XX/XX/XXXX*XXXX XXXX Inquiry from XX/XX/XXXX *XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX *VXXXX XXXX Inquiry from XX/XX/XXXX *XXXX XXXX XXXX XXXX XXXX 
Inquiry from XX/XX/XXXX TRANSUNION- Removed all but one of the inquiries that I did not authorize.
*XXXX XXXX Inquiry from XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

i recently have reviewed a copy of my credit report and noticed I've had fraudulent accounts on my credit report. Please remove these accounts from my report, they are hurting my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

My consumer report contains some factual errors which is creating a materially misleading impression. This inaccurate reporting is misleading in such a way and to such extent that it can expect to have an adverse effect against my creditworthiness. Therefore, Im disputing the completeness and accuracy of the specific items of information identified in my attached dispute. Ive attached my consumer report, with the discrepancies highlighted.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your immediate attention the urgent matter concerning the prompt removal of charge-off accounts and inaccurate addresses associated with my account. Despite previous many attempts to rectify these issues, they persist, causing undue inconvenience and frustration. 

The presence of charge-off accounts on my credit report is severely impacting my financial standing and credibility. These accounts inaccurately reflect my credit history and hinder my ability to access financial services and opportunities. Furthermore, the inaccurate addresses listed on my account pose a significant security risk and undermine the integrity of my personal information. 

I urge you to take immediate action to rectify these issues and ensure that all charge-off accounts are promptly removed from my credit report. Additionally, I request that the inaccurate addresses associated with my account be corrected to prevent any further security breaches or misinformation. 

Given the urgency of this matter, I expect a swift response and resolution from your end. Please provide me with a detailed plan of action outlining the steps you will take to address these concerns and the timelines for their implementation. Additionally, I request regular updates on the progress made towards resolving these issues. 

Failure to address these concerns promptly will compel me to escalate this matter further and seek assistance from relevant regulatory authorities. I trust that you will prioritize this issue and take the necessary steps to rectify it without delay. With this, I am asking for your assisstance to remove these charge off accounts and inaccurate addresses in my credit file 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 submitting this formal request to dispute inaccurate credit information appearing on my report. As a XXXX XXXX XXXXXXXX XXXX, I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) to have the following derogatory item and hard inquiries removed from my credit file. 

Disputed Account : XXXX XXXXccount Number : XXXX Opened : XX/XX/XXXX Balance : {$3000.00} Hard Inquiries to Be Removed : XXXX. XXXX - XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Under FCRA ( 15 U.S.C. 1681c-2 ), survivors of XXXX XXXX are entitled to have negative credit information resulting from their victimization removed from their credit reports. I am formally requesting that TransUnion process the removal of this account and the listed inquiries in compliance with this law. 
Additionally, due to the TransUnion Data Breach, I have concerns regarding potential fraudulent activity and identity theft. Considering this, any unverified or inaccurate accounts and inquiries should be permanently removed from my credit profile.
Product: Debt collection

I just checked my credit report for the first time in many years, because I knew I had some negatives that needed my attention, I have paid off a few already, but this one is still showing up on my report even though the balance is XXXX. I was lead to believe it would be removed from my report all together. 

The balance has always been XXXX, with no late payments according to the report.
Product: Credit reporting or other personal consumer reports

Received email that I applied for a loan from Bank of America, which i didnt apply for any loan my account ( XXXX ) shouldve been frozen but it wasnt so I re froze. It was done fraudulently
Product: Mortgage

I signed an agreement to have my account debited for flex payments ( twice per month ) but come to find out, they set me up for monthly ACH which I did not agree to at all. In addition to this, I sent an email inquiring about my ACH set up and no one followed up. In addition, I also asked how to add an authorized person on my account and again, no one replied. The form was received because they debit my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Early Warning Is Blocking me From Opening Up Checking Accounts With XXXX, XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX  this Account Where Not Open by me All This Banks Account Where Open Fraudulent and i never Gave Permission to this Banks to Open Accounts. with my Permission Please Help me with this Early Warning Denied All My Claims For All This Fraudulent Checking Account and Added The Block back to My Early Warning Consumer Report. a Police Report and Identity Report from FTC Was send And Early Warning Denied the Information and al the Disputes where denied ...
Product: Credit reporting, credit repair services, or other personal consumer reports

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX, XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, TX XXXX; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$5000.00} ; CHILD SUPPORT ENF AG/N XXXX Balance XXXX {$4900.00} ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Mortgage

TCF BANK I have sent extra payments in  XXXX  totaling {$1600.00} but is not reflecting on the mortgage statement.      XXXX / XXXX /  XXXX   {$550.00}  XXXX / XXXX /  XXXX   {$550.00}  XXXX / XXXX /  XXXX   {$550.00} Why is the new statement {$620.00}? Where were the extra funds applied?
Product: Mortgage

In XXXX of XXXX my wife and I opened up a HELOC at XXXX XXXX XXXX XXXX ( XXXX ) in Ohio. We never made any draws on this account but in XX/XX/XXXX someone without authorization transferred all XXXX to 2 other banks. XXXX XXXX received XXXX and Bank of America got XXXX. I was not aware of teh problem until we got a statement in the mail in XXXX saying our payment was due in the next 25 days for the amount owed XXXX. I immediately called XXXX and spoke with the VP of fraud and he said he would get going on the issue right away. A few days later I called back to see how things were progressing and the VP XXXX XXXX said they were able to get the XXXX back from XXXX XXXX but BOA was not willing to send the XXXX back to XXXX. I was told that BOA was going to take the 180 days to look int the problem and find their conclusion to this fraud issue. I never heard back from anyone until XXXX of XXXX when we got a certified letter from XXXX telling us what we owed with principle, late fees and interest charges. 
We sent a letter back to XXXX and told them this was not our debt and we never authorized any wire transfers to these banks or anyone else. In fact we did not know the account even had this option on it. 
After they got our letter, in XX/XX/XXXX they sent another certified letter saying if we did not make any payments before XX/XX/XXXX they would start with foreclosure proceedings. 
We have filed a State Police report with the state of Indian in XX/XX/XXXX and filed a complaint with the Indiana Attorney General.
Product: Mortgage

Our loan servicer XXXX XXXX transferred our loan on XX/XX/21. At the time our escrow balance was {$11000.00}. The new loan servicer SLS Mortgage stated that they only received {$3000.00} from XXXX in our escrow account. There is a {$8600.00} difference between what one company is stating they received and what one company is stating they sent. I contacted the county and neither company made our XXXX tax payment nor any other payment. I have called both companies for proof of what was sent... cancelled check or proof of wire. And I asked the same thing from the receiving loan servicer. 7 weeks later I have not been able to get proof from either company. In the meantime, I am required to pay an addtl. {$800.00} per month due to an " escrow shortage '' in my account. I have called both loan servicer 's several times within the last 7 weeks as well as mailing each of them a certified letter. I am out currently out approx. {$9000.00} and unable to get this issue corrected.
Product: Mortgage

I have a loan backed by FHA. I had 2 XXXX  in my family in a short time period and was financially impacted by trying to give them a proper burial. I then fell behind on my mortgage. I attempted to modify the loan however Flagstar denied any assistance. I then was unable to work when the COVID pandemic began and asked to be put on the forbearance under the CARES act. Flagstar did allow that. I am now back to work and applied for a modification. I am self employed and my income goes through my personal bank account. I wrote a letter of explanation explaining that all my income went through my personal account. Flagstar requested a profit and loss. I explained that I had sent one last Friday. I was then told that it was too dark due to faxing it and there was no email I was able to send it to rending me unable to comply with the request. I have sent documents two and sometimes three times. I am told I am in underwriting and then call a couple days later and they have an entire new list of documents. I believe Flagstar is intentionally not moving this file to underwriting. Today, they are having me write a letter that there is no income other than what I put on the application. I believe these are stall tactics and I am not receiving a fair review. Also, I am aware that FHA is offering partial claims, Flagstar is refusing to submit me to FHA for a review for a partial claim, even though my past due is less than 30 % of balance.
Product: Consumer Loan

Avant credit has been wrongly applying the extra payments I make every month to interest instead of principal. 

I am obligated to pay {$360.00} and have been paying {$100.00} a week instead. To date I have paid {$5800.00}. 
Avant has only applied {$2200.00} to principal. To further test their wrongful allocation of monies I am paying them from online bill pay through XXXX XXXX XXXX, I sent in a {$5.00} payment and in the comments put " principal only '' - they added this payment to interest XXXX % along with the next payment of {$210.00}. The {$5.00} payment was made on XXXX and the {$210.00} payment was made on XX/XX/XXXX 

The facts are simple. They agreed over the phone around XX/XX/XXXX ( they record all calls and the calls can be subpoenaed ) that any extra payments would be applied to principal. They are treating my principal reduction payments as though they are advance payments which they are not. There are no prepayment penalties. 

Avant 's deceptive allocation of principal payments have made it next to impossible for me to payoff my loan early as a responsible consumer. They have not clearly outlined in writing how a consumer can make principal only payments and by creating this breakage model, are effectively creating a prepayment penalty which the contract I signed expressly indicates that there is no prepayment penalty. Their deceptive payment allocation practices amount to constructively blocking a person 's ability to pay out their loan early thereby saving them interest as evidenced by the fact that even a payment labeled " principal only '' was put 100 % to interest. 

When you divide the interest applied ( {$3500.00} ) from the total amount paid ( {$5500.00} ) the effective interest rate I have paid is 60.9 %. My contract states that my APR is 35.94 %.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I'm filing this complaint because it's been over 35 days and you are still reporting these items without permission and that is fraud.
Product: Credit card

XX/XX/year> beginning at * ; XXXX XXXX  CST and ending XXXX minutes later, numerous representatives, ending with XXXX XXXX, who lied to me repeatedly and refused to give me to a supervisor, the following is a synopsis : I divorced my ex 10 years ago. I have been receiving promotional emails from Chase Bank all of this time under my email. I have asked Chase numerous times through the years to take my personal information off his account. I was never on his account. They refuse. They pass me around. This is my privacy and credit at stake.