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

FCRA Violation: name and address not mine
XX/XX/XXXX

FCRA Violation: credit card not mine
XX/XX/XXXX

FCRA Violation: credit card never lateXX/XX/XXXX
FCRA Violation: hard enquiries not mine
XX/XX/XXXX
Product: Credit card

On XX/XX/XXXX I opened a credit card account with SST/Cigpfi, I paid faithfully until going through a XXXX. A short while later a second account popped up on my credit report, with a different account # named SST/Synovus. Both accounts have the same date of being opened. I have tried to have XXXX of them removed as it is clearly a duplicate. Many letters later and they still appear on my credit report. I have asked for the company to provide the proof that I personally opened both accounts and they have failed to do so AND the marks on my credit report remain.
Product: Debt or credit management

I have contacted XXXXXXXX XXXX XXXXXXXX every month since the new servicer took over my account XXXX -- XXXX. The previous servicer Planet mortgage returned the payments for XXXX and XXXX ( each {$1500.00} ) via wire on XXXX in the amount of {$3100.00}. My payments were to be made for XXXX through XXXXXXXX XXXX XXXX My new servicer XXXX XXXX  has not received a single payment from XXXXXXXX XXXX XXXXXXXX. XXXX XXXX XXXX  claims that they need a XXXX record from the XXXX (? ) department from Planet Home Lending in order to send the payments. They claim they have requested this from them 4 times since XXXXXXXX XXXX  and Planet Home Lending has not replied. I have also called Planet Home Lending every month to try to have them send this information so that my payments can be made to my current mortgage servicer with no response. XXXX XXXX XXXXXXXX confirms that they have received the payments returned but will not pay my mortgage ( after a lien has been filed for the amount to bring current plus the payments that were to be made against my home ). As a result it appears that I have no payments being made since XX/XX/2023. XXXX placed me on a forbearance to allow time to get this resolved, and that is now at an end but no resolution is in sight and I shouldn't have had to use this option if they would have did what was supposed to be done. Now XXXX is asking that I agree to a deferral within the next week and a half which will add the past due amount onto the end of my loan but I have already signed for a lien for this amount with Save the dream so I will end up paying this amount 2x!!! Everyone is passing the buck and I am the one paying for their negligence and stuck in the middle. In addition I was laid off again and now because they used a forbearance to allow time for XXXX XXXX XXXX  and Planet Home Lending to get their stuff in order I no longer have that option since it has been used up for their negligence.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was sent a letter from a collection agency that I owed XXXX XXXX XXXX {$600.00} on a XXXX XXXX dollar credit limit they said that I owed {$600.00} after I was making payments every month and my credit report is horrible because they lied
Product: Mortgage

I have a second mortgage with ocwen loan servicing, it was included in my bankruptcy filed XX/XX/XXXX,  on XX/XX/XXXX ocwen sent out a response to final cure payment saying I was behind XXXX. That same day, they added almost 1000.00 to my principal balance. I then sent to the courts proof from my bank showing I never missed a payment over the entire 5 years. The courts granted me a discharge on XX/XX/XXXX. On XX/XX/XXXX my wife and I applied for a refinance with XXXX XXXX, this has been tough because Ocwen wont report my payments over the last 5 years, because we didnt reaffirm our loan. On XX/XX/XXXX I called ocwen to ask why my principal balance went up XXXX between XXXX and XXXX statements, I then mentioned I was trying to refinance, and needed them to fix their accounting errors, I asked to talk to someone in that department, but was told they cant take calls, and would get back to me by email. I then went onto ocwens web site and found a tab for problems with payment, so I typed in my problem, and downloaded 20 pages to support their mistake. 5 days later ocwen who had refused in the past to report our payments to the credit bureau, decided to report to XXXX that we are 180 days late and the account is now open, and nothing else, no on time payments over the last 5 years or anything. This brought my credit score down from a XXXX to XXXX, and all happening days before we are supposed to close in our new loan. I have been told by the Bankruptcy department at ocwen that they dont know why, they can only see what I can on their web site, and will not allow me to talk to anyone else. Can someone please help, I have all the documentation.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXXXXXX XXXX XXXXXXXX I looked at my Transunion credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2018, I sent a letter to XXXX regarding the inaccurate entry they had apparently placed on my credit reports. My dispute was with the validity of the account entry as it was reflected on my credit reports. I specifically requested that they provide : An agreement that states your authority to collect on this alleged debt ; Agreement with signature of the alleged debtor wherein he/she agreed to pay the creditor Alleged account number Date this alleged debt became payable Original delinquency date Verification that this debt was assigned or sold to collector Complete accounting of alleged debt Name and address of the bonding agent for collection agency in case legal action becomes necessary XXXX  responded with a letter dated XX/XX/2018 ( see attached ) stating they were providing the itemized statement. The statement presented lacks veracity ; it is merely printed/generated from a computer and does not provide the financial responsibility page, a copy of my signature with the alleged provider of service to release my alleged medical information to them, nor did they cease any reporting with the credit bureaus while this item was disputed or until the alleged debt had been verified by me. 

Further, XXXX did not provide a general ledger of the account or the complete accounting of the alleged debt. Lastly, they did not provide that they are able to collect debts in the state of Texas ; hence the reason I requested the name and address of the bonding agent for them in case legal action becomes necessary. 

I have never did any business with XXXX nor have I ever signed any contracts with them. This inaccurate, erroneous, unverifiable entry must be deleted immediately from my credit reports.
Product: Student loan

I am currently enrolled in the Public Service Loan Forgiveness Program and am two years away from fulfilling a ten-year agreement. I need written confirmation from my loan holder that I am PROPERLY enrolled in the program, and that the loans I have under the plan ARE eligible for forgiveness. I have spoken with them repeatedly over the years and only received verbal assurances that I am properly enrolled and on track, but I want written confirmation to protect myself in two years when I should be done with this debt. 

99 % of people who are enrolled in the PSLFP are rejected after fulfilling their obligation because a loan provider either mislead them regarding their eligibility, or just outright lied. I need written confirmation from FedLoan that I AM properly enrolled, on track to fulfill my obligation, and that they will NOT reject my loan forgiveness after a solid decade of payments.
Product: Mortgage

I received a phone call 2 weeks ago that a third party company would be reaching out to send modification documentation. I have been calling to follow up because I have not heard anything. No one answers the phone, it gives the option to leave a message, which I chose to do, however no one has ever called back. I really just want to get the modifications documents and pay my escrow shortage if possible. It seems impossible.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the following accounts and inquiries from my credit report due to my status as a victim of a data breach, in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These accounts and inquiries were opened fraudulently as a result of unauthorized access to my personal information. 
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 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an incorrect late payment entry for my mortgage account ( Account Number : XXXX ). According to the report, I was marked as late for the payment due in XX/XX/year>. However, this information is inaccurate, as I have consistently made my mortgage payments on time and even paid XXXX months in advance. 

To support my claim, I have attached screenshots showing my payment history and the specific transactions that confirm my timely payments. As shown, I made a payment of {$9600.00} on XX/XX/year>, which covered multiple months in advance. This clearly demonstrates that I was not late on my XX/XX/year> payment. 

The consumer reporting agencies are required to report all information with complete accuracy. This account has not been late on payments. I request that you investigate this matter and provide verifiable proof with records showing that I had late payments. If this information can not be verified, I demand that these payments be updated to paid on time immediately. 

Thank you for your understanding and prompt action on this matter.
Product: Debt collection

I did not go to the hospital this bill is not mine. they company has failed to send any signed agreement by me to pay for any services.
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 XXXX XXXX XXXXXXXX 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 Bankruptcy Reference # : XXXX Date Filed/Reported XX/XX/XXXX ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported XX/XX/XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; 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: Student loan

I have been making extra payments on my loans to get them paid off. I was originally paying from my checking account with electronic payments. I could see when the check was cashed and that it did not post for several days after the check was cashed. I called and spoke to someone to find out why as this was costing me interested in significant amounts, which of course slows down the repayment. I was told if I paid through the Navient website on their app it would post the day I made the payment, eliminating this problem. Now I am finding that my payments still do not post for a couple of days after I make the payment through their website, again costing me additional interest charges. I called today XX/XX/19 to find out why this was happening and was told that this was just the way it was, that they could not promise me anything, that it takes time to process. I run a business and this is not correct bookkeeping. Payments should be posted the day they are received and no addtional interest should accrue on the money that was paid. I can not get help with this through Navient!!!! this is wrong and expoloitative.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach. Fraudulent accounts and inquiries have been added to my credit report without my authorization. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request the immediate blocking and deletion of the following items from my credit report : Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$6400.00} XXXX XXXX XXXX XXXX XXXX XXXX  - {$720.00} Fraudulent Inquiry : XXXX XXXX XXXXXX/XX/XXXX
Product: Student loan

I submitted a request for consolidation along with an IDR plan request ( submitted in XX/XX/2022 ). The consolidation was dispersed but Mohela did not apply the IDR payment plan on the account, they claim it was denied due to missing pages 1-4. The application was submitted electronically so there should have been no missing pages as the request was complete. I attempted to contact Mohela on several occasions but each time they refused to submit the request for review and placed me on hold when asked to be transferred to the supervisor and the hold time was over an hour each time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting 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/block any items 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 XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} Medical XXXX Balance : {$150.00} XXXX XXXX Balance : {$70.00} XXXX ( Original Creditor : XXXX XXXX XXXX VERSE ) XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$40.00} XXXX XXXX XXXX Balance : {$15.00} XXXX XXXX XXXX Balance : {$67.00} XXXX XXXX XXXX Balance : {$220.00} XXXX XXXX XXXXXXXX Balance : {$84.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I've previously asked for these negative collection accounts be removed from my credit report. They have been re added. I am willing to fill a lawsuit if necessary. By law it is illegal for these accounts to be reported. By the fair credit reporting act. It is unlawful to report negative or adverse accounts. I would like the fallowing accounts removed please. 

XXXX. XXXX, XXXX XXXX XXXX paid off. Balance {$310.00}. Updated XXXX Acc # XXXX. Date opened XXXX. Collection account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone in Experian and XXXX  credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports.XXXX gave me two letters of release stating the debt wasn't mine Experian and XXXX keep putting these fraudulent  accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through Experian. 


My correct address is XXXX XXXX XXXX XXXX CA XXXX My name is XXXX XXXX XXXX My phone number is XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  ACCOUNT # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX ACCOUNT # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX ACCOUNT # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. 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, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : 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
Product: Debt collection

They say I owe {$650.00}. However their accountant for the original collector from ( XXXX XXXX XXXX XXXX  ) can not find any debt I owe. I keep disputing because they told me to dispute it on my credit report and the credit bureaus keep telling me its correct and its not so I need help
Product: Bank account or service

MY LOCAL LOWES STORE SUBMITTED MY CHECK FOR {$10.00} TO US BANK AFTER I HAD RETURNED MERCHANDISE TO THE STORE. THE STORE REFUNDED THE {$10.00} TO ME FOR THE ERROR. I CONTACED US BANK AND ADVISED OF THE ERROR. US BANK STATED THEY COULD DO NOTHING ABOUT IT BECAUSE THE TRANSCATION WAS A CHECK. XXXX RECEIVED PAYMENT FOR THE CHECK FROM MY US BANK ACCOUNT. A COUPLE WEEKS LATER AN UNKNOWN CHECK FOR {$25.00} THAT I DID NOT WRITE AND XXXX DID NOT PRESENT WAS LEVIED AGAINST MY BANK ACCOUNT. I CONTTACTED US BANK UPON SEEING THE CHARGE PRIOR TO THE CHARGE BEING DEBITED AGAINST MY ACCOUNT. I INFORMED US BANK THE ITEM FOR {$25.00} WAS UNKNOWN TO ME, WAS NOT A CHECK I WROTE, PRESENTED NOR AUTHORIZED FOR PAYMENT TO ANY PERSON OR COMPANY. I REQUESTED US BANK IMMEDIATELY INITIATE STOP PAYMENT AND A FRAUD INVESTIGATION. US BANK REFUSED TO DO SO, PAID THE ITEM AND CHARGED MY ACCOUNT $ XXXX- 4 TIMES IN OVERDRAFT FEES. LOWES DID NOT PRESENT THE {$25.00} CHECK TO US BANK FOR PAYMENT. TO DATE AS I ADVISED US BANK NO PERSON OR COMPANY HAS EVER CONTACTED ME REGARDING AN NSF CHECK. ADDITIONALLY I HAVE COPY OF THE ORIGINAL {$10.00} CHECK AND IT HAS NEITHER A STAMP NOR INDICATION UPON IT AS RETURNED NSF TO XXXX. US BANK IS AND WAS AWARE OF XXXX ERROR IN DEPOSITING THE CHECK. AS WEL US BANK EMAILED ME A STATEMENT DOCUMENTING IF LOWES REFUNDED THE {$10.00} TO ME ALL OVERDRAFT FEES LEVIED WOULD BE RETURNED TO MY ACCOUNT. YET TO DATE US BANK HAS REFUSED TO RETURN ANY OF THE OVERDRAFT FEES BACK INTO MY ACCOUNT.
Product: Checking or savings account

Around 2014, I went to a Wells Fargo branch to open a checking account for my small business. I needed the account to help process credit card payments. I own my business, and don't necessarily do many transactions in one month, explained this to the teller and they recommended a business checking and savings account. I understood that if I made a recurring transfer of {$150.00} into the savings account every month, then there would be no other fees associated with either checking or savings account.

Now I was just looking at my statement and saw a " monthly service fee '' charged by Wells Fargo for {$14.00}. I then did a search and saw that this has happened four times, totaling {$56.00}. I called Wells Fargo, and they informed me that in XXXX, my account had been " upgraded '' to a " Business Choice '' banking account. They said they " informed '' me of this upgrade on my monthly statement that I only receive electronically. The Business Choice account apparently has a service fee if the checking balance is below {$7500.00}. 

I did not consent to my account being changed. I opened that specific type of account for a reason. This is my money. They should not be able to change it to a different structure just to fit their profit requirements. 

Even if they did need to change the account type, I didn't receive the notice at all. Changing my account type by informing me in a monthly statement is completely unreasonable. No one would expect that to happen in a monthly bill. 

After several transfers on the phone and having to request to speak to a manager, Well Fargo did refund the money, and I was able to set up another account. However this took yet another fee. 

This is totally unacceptable. Wells Fargo has been trying to rebrand itself after several disasters of destroying public trust. Obviously, the system is still broken.