23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am submitting to follow up on my previous complaint about fraudulent activity on my credit report. After filing an identity theft report with the Federal Trade Commission ( XXXX XXXX XXXXXXXX ), I am requesting the removal of unauthorized inquiries listed below, per Section 605B of the Fair Credit Reporting Act ( FCRA ), reference number XXXX. Attached are the necessary documents to support this request. Please find the unauthorized inquiries as reported by each credit bureau : : EXPERIAN : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX -- -- -- -XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ), credit reporting agencies must remove any fraudulent entries from a consumer 's file within XXXX business days of receiving a notification.
Product: Credit reporting, credit repair services, or other personal consumer reports

Entered into an agreement to pay $ XXXX/month with XXXX XXXX. Applied for home loan and waas notified that my payment was 120 days past due with XXXX, however, I have bank statements showing the automatic payments come out every month between the 21-23 day and I have not missed any payments. I called XXXX and was told that they were not sure why it showed late payments. I submitted a dispute via certified mail on XX/XX/2018. I have not heard back from them as of today, XX/XX/18. The account is showing that I owe over {$400.00}.
Product: Debt or credit management

In early XXXX I kept trying to call the attorney, XXXX XXXX, appointed for me by XXXX XXXX. No one from this office ever answered the calls or called back with answers to my voicemails. I tried contacting the office in California and XXXX. No one answered there either. I was getting nervous and scared. I sent an email to The XXXX branch asking if they had received my e-signed document regarding the changes they were making in the fee process. They had been taking fees since I started the debt reduction process XXXX  months earlier. 
I finally got an email on XX/XX/XXXX that they would follow up in XXXX days. XX/XX/XXXX I got another email stating they had received the document. I could still not reach anyone by phone. All the while, they were automatically deducting {$380.00} each month on the XXXX after my social security was posted to my checking account. I only get {$1300.00} per month and this is a hardship on me. They knew I was paying with XXXX money because I sent them a copy of my XXXX letter stating the amount I get. 
On XX/XX/XXXX I got an email form XXXX XXXX that Strategic Financial Solutions was being sued. It is case # XXXX. This really scared me and I knew why no one would talk to me from XXXX XXXX. 
I felt alone and afraid since I couldn't reach anyone so I called Legal Aid in XXXX Oh on XX/XX/XXXX. On XX/XX/XXXX the attorney, XXXX XXXX, called me the afternoon of XX/XX/XXXX, and told debt reductions are a scam and to stop the deductions right away. He also told me to file a complaint with you. 
I got to the credit union where my checking is and they closed the account and opened a new one for me as XXXX, third party payment processing company for XXXX XXXX. 
XXXX XXXX XXXX ( my bank ) was able to get XXXX  months returned for me. The third party account with XXXX still has over {$3000.00} of my money. I would like to get my money back since they should never have taken money from my XXXX deposits and i would you to alert the public to this scheme, especially senior citizens like me. 
Thank you for your help!
Product: Credit reporting

I had some issues with my credit report and a gang of inquiries appeared on my credit report. I followed due process with both creditor and bureau providing affidavit and police report XXXX XXXX & XXXX QUICKLY complied. Equifax keeps rejecting it in spite of even failures to validate WITH PROVIDED PROOF. I 'm really frustrated with this process and those inquiries are STILL hurting my score.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list below has violated my federally protected consumer rights to privacy and confidentially under 15USC 1681. 

XXXX XXXX XXXX Account # XXXX 15USC 1681 section 602 A, States I have the right to privacy.

15 USC 1681 section 602 A also states, a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) Section states, no consumer reporting agency may make any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or reasonable cause to believe that the information is inaccurate.
Product: Debt collection

This derogatory information is reporting on my bureau and this company i have never heard of, never done any business with them and i previously disputed this information under a different company name and it is reappearing as a new trade line under a different company name. I do not do business with XXXX and have no clue why i am repeatedly disputing erroneous information on my credit reports.

Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX  ) XXXX
Product: Debt collection

I moved out of California a year ago. I contacted all of my utility companies to pay the final bills. I was told by XXXXXXXX XXXX XXXX  that I had a XXXX balance and the account was closed. I was then sent to collections and notified by the collection agency that there was an outstanding balance of {$270.00} a few months ago. I immediately paid it and asked XXXXXXXX XXXX  XXXX to remove from my credit report because I had never received a bill. They said they would be willing but I would have to ask the collection agency to do so. I tried but they also said XXXX XXXX XXXX would have to do so. At this point I don't know who to ask but this should be removed from my credit report regardless as I never received the bill and paid it as soon as I was made aware. I have a perfect credit history for over 20 years aside from this ridiculousness.
Product: Credit reporting or other personal consumer reports

According to 15 U.S.C 1681b ( a ) ( 2 ) I DID NOT give Anyone written permission to furnish these accounts to my credit profile. I have the list of Accounts that I will post here! ( XXXX XXXX XXXX account XXXX XXXX also XXXX and Equifax shows a different account # which is # XXXX XXXX I am Attaching identity and proof of address.
Product: Student loan

I was grandfathered in with Premier Student Center has been partnered with first XXXX whom were involved in a lawsuit. Premier Student Center then transferred my file to XXXX XXXX XXXX and in XXXX of last year I was sent a notification that Premier Student Center was in a lawsuit. The first school I attended was XXXX  XXXX University that was in a lawsuit and now XXXX XXXX XXXX is charging XXXX daily for interest that is way out of hand. Can someone find out about the money that I have tied in with the Premier Student Center and to get in touch with me to know what is really going on with the whole situation that was supposed to be a forgiveness program.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX filed ftc on all XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX potentially negative icon Potentially Negative StatusCollection account. {$13000.00} past due as of XX/XX/2020. 
Account TypeCollection Balance {$13000.00} Date XXXX Dispute XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusCollection account. {$18000.00} past due as of XX/XX/2020. 
Account TypeCollection Balance {$18000.00} Date OpenedXXXX  Dispute Revolving Accountsshow tooltip button XXXX XXXX   XXXX potentially negative icon Potentially Negative StatusClosed. 
Account TypeCharge Card Balance {$850.00} Date OpenedXXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Dispute of Inaccurate Late Payment XXXX XXXX XXXX XXXXXXXX XXXX Account # XXXX ) Dear CFPB, I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by TransUnion. I believe these late payments are erroneous and do not accurately reflect my payment history. 
Nature of the Complaint : Inaccurate Reporting : The late payments reported for XX/XX/XXXX and XX/XX/XXXX on my credit file are inaccurate. I have consistently made my payments on time and have been enrolled in autopay for this account. 
Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness. 
Potential Violation of Fair Debt Collection Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA. 
Truth in Lending Act ( XXXX ) : The reporting practices may violate the XXXX, which mandates accurate reporting of credit information. 
Additionally, sections 15 U.S. Code 1681i and 1681s-2 of the FCRA mandate XXXX credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports. 
Account Details : Account Name : XXXX XXXX XXXX Account Number : XXXX High Balance : {$31000.00} Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Account Status : Closed Payment Frequency : Monthly Reported Late Payments : XX/XX/XXXX, XX/XX/XXXX Requested Resolution : I request that TransUnion conduct a thorough investigation into this matter and remove the inaccurate late payments from my credit report. I ask that all such entries be updated to reflect my true payment history of 100 % on-time payments. 
I expect to receive written documentation confirming the removal of these entries within XXXX  days of this complaint submission. Failure to resolve this issue may lead to further action to protect my rights as a consumer. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Mortgage

I am filing this complaint against ShellPoint Mortgage Servicing ( NewRez ) due to their failure to return an escrow overpayment refund of {$12000.00}. 
I originally received a check from ShellPoint with the payee name listed as Estate of XXXX XXXX XXXX and XXXX XXXX XXXX ( my XXXX  parents ). I am the sole trustee and legal heir to the estate and provided all legal documents ( XXXX XXXX, trust documents, etc. ) confirming this. ShellPoint acknowledged receipt of this documentation and promised to reissue the check in my name ( XXXX XXXX XXXX XXXX ). 
They later told me that instead of mailing a check, they would send the funds via ACH deposit on XX/XX/year>. However, I never received the funds. When I contacted my bank ( XXXX ), they confirmed there is no record of any incoming deposit from ShellPoint. When I contacted ShellPoint again, they stated they now have no record of any check or ACH issued at all. 
This has caused me serious financial hardship. ShellPoints representatives give me conflicting information each time I call, and now they are refusing to take responsibility or provide any resolution. They have stated that because the check was made out to the estate, its my problem to figure out how to cash itdespite the fact that they promised to correct the payee name. 
What makes this even worse is that ShellPoint has no escalation process for this type of issue. I have repeatedly asked to speak with a supervisor or someone from their executive or legal department and have been told there is no one you can talk to. They have no direct contact, no email, no extension, no way to follow uponly entry-level representatives who have no authority to resolve complex servicing issues. 
I have already filed a XXXX complaint, and ShellPoint responded to that by promising to issue the payment, which again never arrived. Its clear this company is either grossly negligent or deliberately avoiding repayment of funds that are legally owed to me. 
I am requesting the following resolution : Immediate reissuance of the {$12000.00} escrow refund in my legal name A full written explanation of what happened Compensation for the financial hardship and emotional distress caused by their failure to resolve this issue over several months
Product: Credit reporting, credit repair services, or other personal consumer reports

this company is violating the fair credit reporting act by listing a fraudulent account which is not mine on my credit report.
Product: Vehicle loan or lease

This company is holding a repossession on my credit account where i never owned this vehicle and it shows that the vehicle has been sold i need this to be removed off my credit as this is not my account. I have never purchased a car with bridgecrest. My identity was compromised and i have tried to resolve this number of times with no success
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past week have been getting numerous phone calls on my home landline that I do not give out from various mortgage refinance companies claiming that I requested a refinance quote and that my   XXXX   credit report was pulled for this. I checked my  XXXX  report and the only inquiries that do n't look familiar to me were to soft pulls from credit karma one week ago.
Product: Debt collection

In violation of federal law, FedLoan Servicing restricts repayment in various ways including but not limited to :   ( 1 ) limiting 8 electronic payments per month ; and ( 2 ) refusing to accept payments on weekends. The text of operative legal language is included below. Note that the law requires that borrowers be given to the prepay the debt AT ANY TIME. Therefore, FedLoan limitations are illegal.
685.211 Miscellaneous repayment provisions.
( a ) Payment application and prepayment.
( 1 ) Except as provided for the income-contingent repayment plan under 685.209 ( a ) ( 3 ) or the income-based repayment plan under 685.221 ( c ) ( 1 ), the Secretary applies any payment first to any accrued charges and collection costs, then to any outstanding interest, and then to outstanding principal.
( 2 ) A borrower may prepay all or part of a loan at any time without penalty. If a borrower pays any amount in excess of the amount due, the excess amount is a prepayment.   XXXX   XXXX   XXXX   Very truly yours, /s/   XXXX   XXXX
Product: Mortgage

I began a process to refinance my home with Wells Fargo in early XXXX. My initial contact was with XXXX XXXX XXXX. The first question I asked was, " If my home is on delivered water, will this be a problem? '' She double checked with someone and assured me it was not a problem. Later, XXXX XXXX, the appraiser, assured me this was not a problem. I continued with my application process for two months uploading documents. Later, I dealt with XXXX XXXX. 
The appraisal visit at my home occurred and was submitted in XXXX by the licensed appraiser assigned to me. She had comparable sales and established a value for my home. I continued to submit documentation as requested. 
I submitted my last documentation on XX/XX/XXXX. I inquired with XXXX for an update on XX/XX/XXXX. He said my application was with the underwriter. At no time did anyone say there was a problem with the appraisal. I emailed XXXX again XX/XX/XXXX and heard nothing. I emailed again XX/XX/XXXX and got " out of office ''. I emailed XXXX and heard nothing. I logged in to view my application and it had disappeared. I called XXXX, she informed me that my application could not move forward because there were not comparable property values for my property and a value could not be established. I have in my possession an appraisal done by licensed appraiser XXXX XXXX with 3 comparable properties and a value for my home. I would like to know how the determination was made by Wells Fargo to reject the appraisal of my property by a licensed appraiser chosen by Wells Fargo. What are the qualifications of the individual rejecting the appraisal? How can they make that determination without visiting my home or looking at the comparable properties? Why do I need to pay for an appraisal if someone else is going to make an arbitrary decision and override the appraisal? Finally, once this decision was made, I was not informed and my application and all its documentation just disappeared. I received no phone call or email explanation until I reached out. This level of customer service is very poor. 
I have attached a copy of the appraisal report that Wells Fargo has rejected. 
Thank you.
Product: Credit card or prepaid card

Bank of America is not helping with my fraud for XXXX with some other charges theyre denying the claim, theyre stating I used the card when they themselves called me and emailed me to tell me that fraud was detected ( please see attachments ) when they called me I told the reps to stop the charges as I didnt auth or agree to them and they said it was taken care of, Now theyre saying that I auth someone to use them and theyre denying them! This is bogus nobody made them purchases but the scammers who received my info. Its crazy how they notify me of the fraud detection and now Im guilty, it makes no sense.
Product: Credit reporting or other personal consumer reports

My identity was stolen and this information was falsely added to my credit report.
Product: Money transfer, virtual currency, or money service

I was contacted by a scam entity via XXXX for work using my phone for a company posing as of XXXX XXXX. This was a scam and I used money from my checking account ending in XXXX with Capital One Bank. I transferred money using my bank account linked to XXXX XXXX to move funds for this scam company. The dates I transferred money and amounts are as follows : XX/XX/XXXX for {$170.00}, XX/XX/XXXX for {$180.00}, XX/XX/XXXX for {$400.00} & finally on XX/XX/XXXX for {$100.00}. All totaling {$850.00}. 

I reached out to Capital One Bank by phone and emailed them to start the dispute because the money was transferred to a scam entity. I have provided evidence and supporting documentation. I was provided with case # XXXX and they did not approve my dispute and removed the funds on XX/XX/XXXX from my account. On XX/XX/XXXX, I called after I received an email from Capital One again denying my appeal ( escalation case # XXXX ) and would not change their decision of not issuing a permanent credit of {$850.00} to my accounting ending in XXXX. 

I reached out to XXXX XXXX customer support and they could not help me in refunding the {$850.00}. I also reached out by email to the XXXX XXXX XXXX on XX/XX/XXXX and they could not assist with this scam.
Product: Debt collection

I am writing to formally dispute a collection account that has been reported on my personal credit report, which is a direct result of identity theft. Someone has fraudulently used my corporate information, which is publicly accessible, to open an account in my corporate name. As such, the debt in question is invalid and does not reflect any obligation on my part as a person. I have asked for debt verification and received nothing.I have filed a police report and put a freeze on my credit. 

Furthermore, the collection agency has engaged in misleading practices by reporting this account as an active debt while also increasing the amount due monthly, treating it as if it were a revolving account. This practice violates the Fair Debt Collection Practices Act ( FDCPA ), specifically sections related to the prohibition of false or misleading representations in connection with the collection of a debt ( 15 U.S.C. 1692e ) and the requirement to provide accurate information to credit reporting agencies ( 15 U.S.C. 1692e ( 2 ) ( A ) ). 

I request immediate investigation and removal of this inaccurate information from my credit report, as it is causing significant harm to my creditworthiness.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against TransUnion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, TransUnion consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, TransUnion actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, TransUnion 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure TransUnion complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that I've marked as inaccurate ( XXXX, XX/XX/year>, XXXX  ).
Product: Mortgage

I received an offer for refinance from Chase Mortgage in late XX/XX/2016 and on XX/XX/2016 Chase sent over a representative to execute a closing on their behalf. My wife and I signed all the documents and we thought we had just saved some money on interest and finally out of our modification loan. However, last Friday I received a package from Chase informing me that they would give me the opportunity to catch up on my loan? I called their customer service department and explained my situation and no one seemed to have a clue what was going on. After 3 hours on the phone with them, one of the service reps was able to figure out that my new loan was never processed and that i was still on my original loan with no changes made??? This is why i was late because one of their specialists told me to not pay my XX/XX/XXXX payment as i would not have a payment due until XX/XX/XXXX. I then reached out to the Title company and was told by XXXX ( XXXX ) that the problem stemmed from the appearance that i had two secondary liens when in fact i only had one but this stopped the process. Problem was no one at Chase nor the Title company informed me about anything and now I have incurred late fees and surely negative hits to my credit because of this not to mention the thousands lost by not being able to secure my new loan. I have been trying to reach the Mortgage Broker ( XXXX XXXX @ XXXX ) for several weeks and Chase keeps ignoring me. for what reason i do not know? I would appreciate some kind of restitution at minimum for my late fees and credit damage and to be honest the treatment from Chase is less than fair or caring considering i 've been paying them for more than 20 years. I think it 's embarrassing that a bank leave it 's customers high and dry no contact with such a serious mistake they have made by not letting me know the circumstances. It is extremely embarrassing for me and my wife to have to call in and pay back payments i should not owe and made felt like a nobody for non payment. This is ridiculous! what happened to Fiduciary duties the bank is supposed to have? I do n't even know what to do as the Bank I trusted wo n't even call me back?