23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My lein was not discharged. Title one transferred to FDIC who will not handle if not a bank and it was not a bank it was a servicing company. Title One is not doing there job and correcting the issue they are passing the buck again. This has been going on 23 years I want it corrected.
Product: Debt collection

I have reported identity theft to JC Penneys Synchrony bank and filed a police report. JC Penney told me they wold take care of it then when I called back hung up on me. I never received the merchandise and cell phone numbers other than mine were attached to it. I have talked to Synchrony Bank to no avail. I have had the credit card since XX/XX/XXXX with no issues until now. This is damaging my credit and I have XXXX and reported it to them! Do not trust J C Penney if you are ever the victim of identity theft or do not receive an order! My packges were signed for by someone else! They do not care!
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I sent a letter to the major credit bureaus disputing the information contained on my reports as most, if not all, of the reported information was inaccurate. By right they are supposed to correct or delete the information, none of which was done. After the conclusion of the dispute ( XX/XX/2021 ), all of the accounts disputed still report the same erroneous information, not to mention the fact that particularly one of the accounts shouldn't even be showing on my report. This is according to information reported from the original creditor, whom I contacted on XX/XX/2021 at the phone number contact listed on my report. According to the customer service representative XXXX with XXXX XXXX whose badge number is XXXX, they didn't even show an old account for the account number XXXX. So I asked why this account was even reporting on my credit in the first place, as it was negatively affecting my profile. XXXX agreed, but said the only way to get it removed was to dispute it with the credit bureaus, which was already done, and redundantly might I add. I let him know that the collection agency listed on the account also sent a letter confirming that they were ceasing collection of the debt. I then asked how it was that the credit reporting agencies verified the account information, if he couldn't even find any in his system for the account, to which he answered that he couldn't speak for the credit bureaus. What is the point of disputing to get inaccuracies corrected or removed if the credit bureaus don't even bother to properly verify the information they are reporting? This is not only a form of gross negligence, but also a poor lack of communication and is very arbitrary to continue to do this to consumers. The credit bureaus continue to do this and there is never any recourse, but this needs to desist before grave ramifications occur in revolt.
Product: Mortgage

I have been wrongfully denied a loan modification by my mortgage servicer America 's Servicing Company / Wells Fargo because they claim that the alleged investor owner named XXXX XXXX XXXX XXXX will not Grant a loan modification to me a second second time within a five year period. However I have demanded legal proof that this investor actually owns the mortgage and provided them a fraudulent assignment of mortgage that was recorded against my property on XXXX XXXX XXXX buy a robo signer and fraudulent individual named XXXX XXXX XXXX a well-documented robo signer who claimed to be an assistant secretary for XXXX. The fact is XXXX XXXX XXXX XXXX has fraudulently claimed to be an owner of my mortgage when in fact the used fraud to make such a claim. I have attached a copy of the fraudulent assignment for your inspection. Secondly ASC / Wells Fargo failed to provide me any evidence or proof that the reason for denial is Justified or stipulated in any of my mortgage documents as they claim. I firmly believe that these entities are working in a conspiracy to steal my property and deny me the right to keep my home. Now they have a sale date scheduled for XXXX XXXX XXXX as an attempt to take my property even after I have proven that I do qualify for a loan modification once again and even after they have failed several times to meet my demand to prove that XXXX XXXX XXXX XXXX actually owns my mortgage without the fraudulent document recorded as an assignment of the deed of trust in XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, Transunion decreased my XXXX credit score by XXXX points although there are no collections or delinquency on my credit report and my current debt decreased. I had several issues and talked to Transunion about this matter several times and the problem still exist.
Product: Debt collection

Over the past several years my information has been compromised from a data breach from XXXX, XXXX, and most recently XXXX XXXX XXXX. I have placed fraud alerts on my credit file but yet I am still being victimized and now harassed by collections agencies concerning accounts that I have no clue about. When ask for Validation all they are able to send me are bills with my name on them or they will send me letters stating they have already addressed this matter with me and will continue to call, or write letters to me until this amount is paid. I have files police reports concerning this matter but yet the harassment continues.If the CFPB can not assist me in getting this matter resolved it leaves me no choice but to file legal actions against all parties involved in harassing me. I had to get a new back account because that too had been compromised. This has been going on for the past 7 years and these companies continual threats and negative marks on my credit report needs to stop and be stopped now!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received a copy of my credit report and it shows company AVANTE ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$1500.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Product: Checking or savings account

I am writing to file a complaint against navy federal credit union regarding multiple over draft fees I have incurred.despite having sufficient funds when transaction were authorized, I was charged fees due to lagged posting of charges and credit .This issue alignes with the recent CFPD finding against Navy federal for similar practices
Product: Checking or savings account

I opened a checking and savings account with my husband mid XX/XX/year> with Citibank, and the following Friday I deposited a check into my savings account. Later that day I tried to log into my account and my checking and savings accounts were not appearing in the portal. I called customer service, who transferred me to the fraud department, who told me both my checking and savings accounts were put on hold and I would have no access or use of my accounts. The fraud department told me that my accounts were under review and that I should have access in XXXX hours. On Saturday I called again and was escalated to a supervisor and kept being told that my account was under review. On Monday still heard nothing and went to my local branch and they called and said my accounts were still under review I am extremely frustrated that I was not contacted that my account was on hold, nor notified that Citibank detected potential fraud and put my account on hold. That frustration was compounded by the horrible customer service, different people not listening to my concerns and reading me scripts, and no one giving me any kind of estimate as to when I would have control over my accounts again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have  XXXX , I 've been under treatment for years and someone has taken advantage of my situation and stole my identity. All of the  XXXX   XXXX  charge offs,  XXXX  charge offs, and  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX . charges on my report were charged without my knowledge.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously tried to have the 3 CRA 's to update my credit report showing the deletion of my Discharged CHXXXX and all accounts that were associated. On XX/XX/2018, XXXX deleted and removed item from their credit report. ( Report # XXXX XXXX. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], this  disputed item must be updated to reflect the deletion of the bankruptcy. XXXX  has updated credit report but Transunion and XXXX has not.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently discovered this company XXXX XXXX on my credit report. XXXX XXXX appears to be a debt buyer that likely purchased this account for pennies. I have never had any communication with this company. I have never had any business dealings with this company. I have no knowledge or validation of this account, nor have I been provided with any information of this account. The account either does not belong to me or is VERY old and has been sold and resold, as I stated this company has listed themselves on my report as a debt buyer and as if they are my creditor. The company also switches names and goes by another name of Resurgent Cap who is also not a creditor of mine or anyone that I have done any type of business with whatsoever. I want this removed from all 3 credit bureaus immediately.
Product: Debt collection

I obtained a non-secured loan from XXXX in XXXX after being forced shaped out of the XXXX XXXX. I was unemployed for 9 months and had to relocate from FL to GA but was paying $ XXXX/month on the debt. The loan was sent to XXXX XXXX and XXXX where I continued to pay $ XXXX/month due to extended unemployment. In XXXX XXXX, while checking my credit report, I noticed that the debt was now a judgement. I had never been notified of potential legal action. I NEVER received any type of notification from XXXX XXXX ( or the law office ) informing me of the judgment. I NEVER received any type of documents from the XXXX XXXX XXXX allowing me the opportunity to respond to the claim. I DO NOT deny the debt. The debt is my debt ; however, I dispute the fact that it was placed as a judgment especially since I was paying as agreed. I am a Veteran of the XXXX XXXX XXXX and have endured many obstacles in the last few years and was just starting to recover until the judgement was placed on my credit report. Again, I am responsible for the debt ; however, I do not agree with the debt being placed as a judgement and I believe that I did not receive my consumer rights to respond prior to the debt being placed in judgement.
Product: Mortgage

I filed a complaint through CFPB on Bayview loan servicing for reporting false information to the credit bureaus a few months ago. They responded to the complaint apologizing for their errors and stated that it was their mistake for the missing payments as monies had not been applied properly. I have refinanced to another company and Bayview updated my credit report to {$0.00} balance which IS correct, but they put all of the derogatory payment history back on my report which they already acknowledged was their fault. Per my lawyer and the judge, they were required to remove all of the false information from all of my credit reports. This has once again negatively affected my credit. They have put since XX/XX/XXXX that I have been 90 days late and that only XX/XX/XXXX and XX/XX/XXXX have been current. Which is false. They also continue to send me bills for escrow of {$210.00} even though my account has been refinanced to another lender since XX/XX/XXXX. I do not want them to report that I am past due on those monies as my account is paid in FULL.
Product: Mortgage

Dovenmuehle mortgage had taken out XXXX today out of my escrow account stating for Hazard insurance. When they last paid my hazard insurance on XX/XX/2019 for XXXX the full balance. I thought maybe there paying this in increments? But the amount that was taken doesnt even make sense. I demand to know where you sent MY escrow money and why this was even done when we had just paid the full amount 4 moths ago! Are you attempting to place us in negative escrow balance again to raise our monthly payments like you have already done?! Our taxes are due soon and we wont have enough for them due to this!! Escrow fraud!
Product: Mortgage

I lodged a complaint on this site and the company responded inaccurately the situation that I made the complaint about. I received a loan modification document that I was unable to review, except or deny because the documents were damaged and not legible and so I requested a copy of the documents being resent to me so that I may review them, instead the company alleged that I denied the loan modification which I did not, I requested a copy of the documents and now the case has been closed due to the inaccurate information that the company is saying that they received from me. I asked if I would be eligible for a forbearance and was told no and so the representative of the company stated that they would look into a partial claim and so that was looked into and the resolution that the company came up with is a 40-year loan modification. I never once denied any resolution that the company offered, I only ask for information to resolve the situation in a fair and unbiased manner. The calls that were made between myself and the company are recorded and there is not one recording that I denied any loan modification or any resolution that the company offered and now the company is saying that based on the alleged denial I am forced to accept a new loan modification and have my case closed. I ask that if this situation can not be resolved at this level that my complaint be moved up to another level.
Product: Credit reporting or other personal consumer reports

I give Equifax permission to proceed with this complaint. I have checked my credit report and have found that there are accounts that was reinserted in my credit profile after being previously removed.Equifax has failed to throughly investigate these fraudulent accounts. I have battled for years now with them. I stated and provided ID theft report and police report that it did not belong to me. Also addresses that are not mine and they have yet to be removed. FTC Report 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  15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) BlockExcept as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. Failure to comply to request 15 U.S. Code 1681o - Civil liability for negligent noncompliance ( a ) In general Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block Inc ) Due to inadequate Customer service and unfair practices, which violate the consumer financial protection act ( CFPA ). Specifically cash app failed to take timely ineffective measures to prevent and address for on their platform leaving my account vulnerable and unprotected furthermore Their dispute resolution process was unfair and deceptive as they did not comply with error, resolution requirements under the electronic fraud act and regulation. These actions have caused Significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Mortgage

My loan was recently transferred ( XXXX/2019 ) to PHH which is now attempting to place me in foreclosure. Not only is the loan amount incorrect they are claiming {$50.00} in collected interest which is incorrect by approximately {$15000.00}. in addition my loan balance is incorrect by nearly {$55000.00}. I have end of year statements from OCWEN ( the original lender ) which PHH has completely ignored. I have attempted to contact PHH for statements concerning my loans and after more than a dozen phone calls and requests I was finally faxed a W-2. The W-2 is incorrect not only in the amount owed, but in the interest paid. I am in the process of a short sale and PHH has not provided any documentation at this point. I have spoken to countless agents all of which have provided differing loan amounts and payment requirements. I am XXXX years old and a real estate agent and have never seen such blatant fraud and incompetence. I am fearful that their inability to even provide an accurate statement could cost me my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2021, a debt validation letter was sent to Wells Fargo & Company in XXXX XXXX XXXX. The company responded with a copy of the contract between myself and the dealership. Per the FDCPA, I refused to send another payment until they sent a certified copy of the promissory note. It never came. They then stole my car, giving my information to someone I gave no consent to, and furnished late payments to the reporting agencies. Under duress, I paid the entire remainder of the loan that they never proved to give me completely off. They still reported the repossession and did not attempt to correct or cure the injury done to me. As a result, I have suffered higher interest rates on consumer transactions I have been approved for and have suffered many denials. They have never given me full disclosure or time to opt out of my private transaction being made public. The XXXX XXXX XXXX ( acting as XXXX ) are guilty of not receiving a court order or express written consent from me, XXXX : XXXX and XXXX to furnish damaging information.
Product: Credit reporting or other personal consumer reports

Transunion is reporting XXXXXXXX XXXX derogatory information of 120 days late that is in correct. But they are stating that I have a XXXX balance, so both of these can not be correct. Also reporting forclosure but the house was sold before forclosure. This should be removed from my credit file!!!!
Product: Consumer Loan

I am trying to obtain a lien release. The original loan was issued XX/XX/XXXX by XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX, NJ XXXX. The loan was paid off by XX/XX/XXXX. Unfortunately I can not locate my payoff letter/lien release. XXXX XXXX is no longer in business and the successor bank is PNC. When I contacted PNC they had no record of me or my loan/lien and refused to further assist me. My vehicle is now 25 years old and eligible for historic plates however NJ Motor Vehicles will not issue historic plates without a title and will not issue a duplicate title without a lien release. Please help me get a lien release letter from PNC. Thank you
Product: Credit card or prepaid card

Home Dept. is still requiring a Social security # for application of their credit card even though they have a court order not to do so
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX # XXXX is reporting lates in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX that I should not have. I had paid this online and it showed that it went through when I did so, I did not know that the payments were not going through until I had my credit pulled and saw all the lates on my credit report. These lates are not my fault and they need to be removed off of my credit.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating that the account is accurate, without providing any evidence of thorough investigation. This practice violates the Fair Credit Reporting Act U.S.C. $ 1681i, which mandates a reasonable investigationof disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C $ {$5500.00} ( 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 Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

Pennymac loan services decided in XX/XX/XXXX to update my payment history on my XXXX credit report to show I was delinquent XXXX, XXXX, XXXX, XXXX, XXXX of of XXXX then made payments XXXX & XXXX XXXX and XXXX & XXXX ' XXXX The loan was successfully paid off XX/XX/XXXX. 
XXXX different representatives verified there were no late payments from XXXX XXXX and loan was paid in full XX/XX/XXXX Refusing to update my credit report and/or send a letter. This is causing an new home loan, XXXX to be denied
Product: Credit card

Kindly eliminate these inquiries ; I lack any information on them, and the company proceeded without my authorization.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected 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 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