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

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : 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: Mortgage

I have a HAMP loan modification mortgage with PHH ( owned by Ocwen ) but PHH has a division called XXXX that services the modification. 

In XXXX I opted to accept a recast offer. All was in order and I kept a copy of all documents I signed. 


My recast offer, approved and executed states I owe {$730.00} on XX/XX/XXXX Then {$780.00} XX/XX/XXXX on until maturity. 


However I received a letter dated XX/XX/2020 from XXXX Which states I owe {$860.00} XX/XX/XXXX Then and {$590.00} XX/XX/XXXX until maturity. 

This company continually makes gross errors in administration that appear to misinform the customers creating mass confusion and creating an unfathomable capacity to send in the WRONG amount, consequently resulting in default and foreclosure - loss of home by owner. 

PLEASE peruse documents attached and take whatever steps necessary for bank to provide ACCURATE UNDERSTANDABLE MORTGAGE DOCUMENTS THAT WILL NOT CONFUSE AND CREATE A SITUATION WHERE THE AMOUNT OWED IS SO AMBIGUOUS AND DIFFERENT ON DIFFERENT DOCUMENTS SO THE WRONG MORTGAGE PAYMENT AMOUNT MIGHT BE SENT! 

Furthermore although A name was provided of a person to contact there was no DIRECT email or DIRECT phone number to reach this person. Hence one spends hours trying to reach them only to be told call a number that is routed to XXXX or the XXXX where the customer service agents do not help but tell you they do not work for XXXX and can not connect you! 


It is absolutely criminal the way customers are COERCED into a wild goose chase to follow up with no contact made and no resolution able to come to fruition.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several unauthorized inquiries that currently appear on my credit report. In accordance with Section 1681b ( c ) of the Fair Credit Reporting Act ( FCRA ), I request the immediate removal of these inquiries as they were made without my authorization and constitute a serious violation of my privacy rights. 

The inquiries in question are as follows : 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  I did not authorize anyone employed by these companies to inquire and view my credit report. Therefore, I am requesting that you validate these inquiries with the companies mentioned above and provide copies of any documentation associated with these inquiries that bears my signature authorizing such actions. 

In the absence of such documentation with my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. I expect a response confirming the actions taken and the results of your investigation. 

Thank you for your prompt attention to this matter. I appreciate your cooperation in resolving these issues.
Product: Credit card or prepaid card

On XX/XX/XXXX, I applied for a business line of credit with Iron Capital Group. This was under the understanding that personal credit would come into account, however, still under the business entity and under the pretense that this would be like a loan, line of credit or one credit card for the business. On XX/XX/XXXX, I found out that this company ( Iron Capital Group ) applied for about 15 credit cards in my personal name. Opening up credit card lines with out prior permission. When requested a list of companies they submitted information to, they only provided piece mill information. Making a huge decrease in my personal credit scores. This came about when XXXX XXXX  from Iron Capital sent an email stating, " if the credit card company calls, don't tell them we did your application. '' wanting me to provide fraudulent information to the creditor. Then, created an email on their own behalf ( Iron Capital Group ) with out my approval to communicate with these credit card companies. Not knowing WHAT information they have provided on my behalf and if it is even fraudulent or fictitious.

THE BIG ONE : contacted existing personal mortgage lenders, with perfect standings, and changed contact information. this was discovered when the mortgage lender contacted me regarding a fraud alert.

When requested Iron Capital Group to cease and desist. Which they did not and requested a fee of {$5300.00} for their service.
Product: Debt collection

XXXX XXXX XXXX account # XXXX with a balance of {$1100.00} is a fraudulent charge made with identity theft. I have submitted ( to XXXX XXXX XXXX ) a copy of my " Identity Theft Victim 's Complaint and Affidavit '', police report. This charge was first made aware to me by XXXX XXXX. The charge originated in XXXX, TX. I have never been to XXXX, TX. The perpetrator is using an address and email that are not mine. XXXX XXXX, my identity theft protection service and I thought the matter had been resolved, but XXXX XXXX XXXX has twice since moved the charge to a different collection agency..
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX I sent XXXX XXXX for items I purchased of a merchant and he kept saying my items would come and that they are delayed but the seller never sent me my items he cut me off and took off with my money I needed the items for a birthday present but the seller never sent me anything and he keeps ignoring my texts and messages I have done business with this individual before cashapp denied my dispute and I have proof of him not sending me my package. And ignoring me
Product: Debt collection

I cant remember a date but I went to flex shopper online to order a camera and make payments over time..I think it was weekly payments. I order the camera but never received the item. Ive tried many times to resolve this problem with the company speaking to many people. The account is now in collections which it should not be and everyday I receive calls and emails about a debt I do not owe because I never received the item.
Product: Debt collection

I was promised by RPM that they would delete my collections account after it was paid. I have tried talking to everyone at that company but no one will even help. I did n't even realize I had debt un paid until I tried to get my mortgage. I paid the debt immediately in full and trusted they would do their part.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently went online and checked my credit report and found several items on my credit report that were fraudulent accounts and addresses. I filed a police report and contacted the companies but had no resolutions. Below I will list the company and address on my Experian that are incorrect. 

Experian : Account Name : XXXX XXXX XXXX XXXX Account # XXXX Account Open:XX/XX/2018 Account Balance : {$300.00} Experian fraudulent address : XXXX XXXX XXXX, XXXX XXXX, GA XXXX ( never been associated with this address )
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act, the list of accounts bellow has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 The account bellow have violate my rights. 
15 U.S.C 1681 section 602A. States I have the right to privacy 15 U.S.C 1681 section 604 A section 2 : it also state consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 168C. ( A ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information. Other than records of conviction of crimes which antedates the report by more than eight years 15 U.S.C 1681s-2 ( A ) ( a ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the parson knows or has reasonable cause to believe that the information is inaccurate Delete the account bellow : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

The presence of these inquiries and accounts on my credit report violates 1002.142 ( b ) ( 4 ) - ( 5 ) and 1002.142 ( b ) ( 7 ) which goes against the XXXX XXXX Final Rule. 

ACCOUNTS : XXXX XXXX XXXXXXXX
Product: Debt collection

XXXX is continuing to try to collect for a debt that was paid in full several years ago. The collection agency Convergent Outsourcing is reporting the debt on my credit report incorrectly and it has been paid in full.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Report and noticed that i had two payment on an account that i was never late for Consumer Reporting Agencies have assumed a vital roll and a have a responsability to report Consumer information to the best of their ability with maximum accuracy. i have never been late on payment for the account : XXXX XXXX XXXX  Account number : XXXX, please investigate and provide proof with statements showings that this payment was late. if proof can't be provide i demand this payment be updated on time as they should be as i was NEVER late. thanks
Product: Student loan

I was misled by XXXX XXXX  and my degree did not do what they said it would so I have submitted the information to the Dept of Education for XXXX XXXX over a year ago but Navient keeps harassing me for payment and charging me interest for a loan that is supposed to be forgiven. Please help.
Product: Money transfer, virtual currency, or money service

I started using Chase XXXX pay now called XXXX at its inception and there never were disclosures to send money. I also had a high school checking account with my son that is still open at chase that had about XXXX dollars transferred out fraudulently. Instead of helping my son get the money back they blamed him and said that he shouldnt have access to online banking and called him a liar. To this day he has no access to online banking and has yet to be refunded. This incident happed in XXXX or XXXX
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are XXXX percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix the negativity. Do so, to comply with FCRA section XXXX which requires all reporting to be 100 % accurate. 

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, credit repair services, or other personal consumer reports

They mishandled my information, which puts me and millions of other people at risk. I also mentioned I am listed as a potential victim according to their XXXX website, and would like a resolution.
Product: Credit reporting

I disputed a Tax Lien from the XXXX registry of deeds XX/XX/2016 via certified mail to Transunion. I sent 2 to 3 letters stating that i knew nothing of this Public record I recieved the results of the investigation XX/XX/XXXX ( see attached ) from Transunion stating the entry was verified. I immediately called the XXXX Registry of deeds at the number Transunion provided me in the correspondence. I asked about this lien and they knew nothing of it i then called the IRS and asked if they had verified or validated anything with the Credit bureau. I do n't owe the IRS or any state entity any money, nor do i have any Liens connected to my name or residence. Transunion is violating the FCRA by not providing proof of documentation they did n't mark my credit report " disputed by consume '', and ive given them numerous opportunites to correct error. This public record is hurting my score and my financial life.
Product: Checking or savings account

XX/XX/24 and XX/XX/24 are dates of transactions of {$750.00} each considered fraud
Product: Debt collection

I disputed a credit card account with synchrony bank in XXXX and was told that the account was with a third-party credit, Collection Agency . I contacted the third-party agency and they told me that they did not have a contract that bound me and synchrony bank, and to reach out to synchrony for the contract. I ordered Is cease-and-desist with the third-party which is no longer associated with this matter. The account was sent back to synchrony. Bank. About a week later synchrony then sent me a letter stating that the account will be closed Immediately and reported to all three credit reporting agencies - XXXX, experian, XXXX in which it did. The deletion reflected on my credit report on XX/XX/year> and then it showed back up on XX/XX/year>. I called synchrony bank and they told me that the account would reflect later and that it had to process in which it did on XX/XX/year>. On XXXX XXXX I checked my credit report and the account had been added back to my report again. I called synchrony bank, and they said that the debt was valid and that they sent the Collection to another third-party XXXX XXXX When I contacted the third-party, they told me that they did not have The original contract and to contact synchrony bank again. synchrony bank told me that they do not have the information on the Account anymore.This there is nor Has there ever been a contract at all as this is a case of identity theft. I put symphony, Bank, and the third-party Collection Agency and and the credit reporting agencies on notice to have my information taken off of their platforms due to multiple violations under the federal law. I am now being told that I have to Wait, another 30 days for the account to be re-investigated which is interfering with my private affairs.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to dispute inaccurate information on my XXXX credit report. This report shows an outstanding debt owed to XXXX XXXX XXXX XXXX XXXX XXXX XXXX  that does not belong to me listed by XXXX XXXX. This debt has been inaccurately reported in the past. I have disputed this before and it was subsequently removed from my credit report. However, it has now reappeared. This account does not belong to me and I request that you immediately delete it from my credit report. I Please investigate this matter and make the necessary corrections as soon as possible. Under the Fair Credit Reporting Act, I am entitled to a response within 30 days of receipt of this letter. Please send me written confirmation that this erroneous debt has been permanently deleted from my credit file.
Product: Checking or savings account

Fraudulent Wells Fargo Account - Reported but still receiving statements On XXXX XXXX I received a notice in the mail for a Wells Fargo checking account, and I immediately called and reported it. They had all of my personal information but were using my maiden name, and my first name is spelled incorrectly. When calling I was able to gain access to this information by confirming last four of my social security number. I have never had any of their products. They couldnt tell me anything about the account but said they would close it and send me documents regarding the fraudulent account via U.SXXXX mail. I immediately locked my credit. 

Today, I received a monthly statement dated XX/XX/2022 showing the full account and balance information. It also details what account options I am currently opted into. I have not received any other mailings from them. I called the XXXX and the account is still open and there are debit card transactions of {$0.00} as recently as XXXX. The CSR could not tell me anything but just transferred me to a dead line.
Product: Checking or savings account

On XX/XX/22, approx. {$15000.00} was stolen from my checking account via a cyber attack.. Wells Fargo began an investigation and to cover their loss, they took {$7800.00} from my savings account to replenish the stolen money from my checking account. They said it was overdraft protection. 
On XX/XX/22, they issued me a provisional credit of {$9700.00} ( whatever that means ). 
On XX/XX/22 thieves stoke approx {$15000.00} from my checking account. 
Since then, Wells Fargo has stolen $ XXXX from my savings account. 
On XX/XX/22, Wells Fargo issued me a Provisional Credit of {$9700.00}. 
Basically, a total of {$22000.00} was stolen from my two accounts by Cyber thieves and by Wells Fargo thieves. Wells Fargo issued a provisional credit of {$9700.00}. 
So Wells Fargo still needs to reimburse me {$13000.00} in stolen funds. 
TODAY IS 37 DAYS since my two accounts were raided. 
Thank You XXXX XXXX ( XXXX )
Product: Credit reporting or other personal consumer reports

My Experian credit report is blank. I have contacted Experian multiple times requesting the correct information on my credit report. They stated that my report was fine. However, when I try to pull my report, I get a file with my name misspelled my birthdate wrong and the file is blank, giving me a FICO score of XXXX. 
This is negatively impacting my financial well-being and needs to be corrected as soon as possible.
Product: Checking or savings account

XXXX reported an open account in my name with JM Chase Bank that I never opened.
Product: Student loan

I was making payments and prepayments we only applied to interest and not principle. I was in a repayment plan that was not repaying the loan, after 5 years my balance was the same despite paying more than my payment and I was not made aware.
Product: Prepaid card

I have purchased various Mastercard and Visa gift cards from Blackhawk Network California in retail stores ( e.g. XXXX ). They say to go to XXXX  or XXXX ( for XXXX and XXXX gift cards, respectively ) to check balances and register the cards so you can make purchases online. 

However, for at least a year this website does not work across multiple browsers, XXXX XXXX, trying incognito mode, wifi and cell service - nothing works. If you go online and search there are other people complaining about this issue going back at least several months. The only alternative is to call into their customer service center, wait through a very long phone tree to get a representative, then have to verbally spell out and confirm all the relevant info to register a card over the phone. This can easily take 20-30 minutes to register a couple cards, versus a few minutes online.
Product: Credit card

I was expecting some resolution from HSBC moths ago about a money Transfer done in XXXX 2016. HSBC said that it was going to be result withing 8 weeks an still no answer, when I call costumer services nobody know anything about my case and I have left more than 10 voice MSG to the person in charge according to the letter attached. I dont understand why a bank will treat costumers this way
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX XXXX XXXX account was sent to collections to Portfolio Recovery Associates, and I successfully resolved the account. I was sent a letter and told that my account would be removed from the credit bureaus. My account still shows in the negative section of my XXXX  account as a XXXX balance charge off when this account should not be on my XXXX  credit report at all.

I've contacted Portfolio Recovery Associates numerous times this summer about this issue. I was told by XXXX XXXX that this account should not be on my credit report. I talked to XXXX XXXX previously and I was told on XX/XX/XXXX that this account was in the hands of Portfolio Recovery Associates. I called Portfolio Recovery Associates on XX/XX/XXXXand I was told that XXXX XXXX XXXX now has control of this account again.

Whoever has this account? Can my deal be honored with Portfolio Recovery Associates so this can stop being shown as negative on my XXXX credit bureau account, and be removed?
Product: Credit reporting or other personal consumer reports

This morning, I discovered unauthorized inquiries on my credit report, and Im completely puzzled as to why. I regularly check my credit report, but this time, I was alarmed to see discrepancies that seemed to appear out of nowhere. I tried refreshing my browser, hoping it was just an error, but the unauthorized inquiries persisted. Because of this, I am urgently requesting a thorough review of the documents Ive provided so that I can have peace of mind and not worry about this again.
Product: Money transfer, virtual currency, or money service

I was given fraudulent wire transfer information for purchase of property. The transfer went through and was accepted immediately, even though the bank ( Chase ) did not have matching information on the account. It did not match the name or company I was transferring the funds too. An investigator handling my case forced Chase bank to give him the account information. Then Chase closed the account due to fraud and refuses to refund my money or take any responsibility. My bank has sent a request for return numerous times. Another investigator filed the person who owned the bank to be no such person, non-existent. The amount stolen was {$14000.00}. The bank not only allowed the money to be transferred into an account that did not match any of the information I sent in my transfer form, except for the account number. They also allowed a fake person to create a account, and take out the funds without taking any responsibility for their negligence. 

I've attached the document sent from my bank to Chase for the wire transfer. The name on the fake account was XXXX XXXX XXXX supposedly born in XXXX. This information was given to the police investigator directly from Chase bank. As you can see my transfer request has no such name or even close to it. I requested it to go to a company via the agents name.