23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

First Tennessee Bank allowed a series of fraudulent deposits to be made by The Tennessee Department Of Labor. XXXX XXXX XXXX XXXX did not report their tax ID number to the Tennessee Clearing House. Taxes was n't being paid on me. XXXX XXXX did not report my date of hire, the date I was laid off or my buy date to the department of labor. XXXX XXXX pulled my employee records & got this information to me. The amount I was suppose to be paid was n't reported to the department of labor in the state of Tennessee. First Tennessee Bank allowed employees with the department of labor to create checks in my name. Their routing number is on the checks. First Tennessee Bank tried to delete the images to keep me quite. The employees offset the deposits using the bank deposit slips. I filed a medical malpractice law sue in XXXX. In XXXX when I began with my depositions. I happened to be under wage earner. The wage Warner attorney reported my law sue as workman 's compensation. All of my records became public, without my knowledge. Of course XXXX XXXX told me what happened. The malpractice attorney asked for XXXX dollars. I guess the citizens in XXXX thought they hit the lottery. The XXXX Family took Complete advantage of the Government. They changed the buy date to XX/XX/XXXX to steal additional monies from the government. XXXX XXXX insured a series of people. XXXX XXXX  was the agent that added a different number at the end of account number. The account number was XXXX XXXX XXXX. People paid for car warranties to service cars. XX/XX/XXXX $ XXXX-spp in XXXX -car warranty XXXX. People had services sigh XXXX XXXX XXXX with code names to identify each other. This is organized crime. XXXX XXXX  participated in this. Transaction from Tennessee department of labor. TN UI Payments XX/XX/XXXX-XXXX & XX/XX/XXXX-XXXX. This money did n't belong to me to be disbursed in the manner it was disbursed. XXXX XXXX XXXX bills was being paid that did n't belong to me. On XX/XX/XXXX-acount number XXXX was paid. The amount paid was {$360.00}. This was n't my account number before First Tennessee Bank took my home at XXXX XXXX XXXX. XXXX TN XXXX. Different mortgages was paid to XXXX XXXX XXXX with Government funds. Using my social security number & drivers license. On XX/XX/XXXX a complete XXXX bill was paid. The ref # is XXXX. A series of XXXX bills was paid. XXXX payments was made to steal XXXX XXXX XXXX  insurance, XXXX, & accident. Different people used my insuran e. Everything has been taken from me with the bank help. When I reported everyone deleted information, rather than admit you failed to notify me of the fraudulent activity. Checks was being used with my account numberXX/XX/XXXXXXXX amount {$90.00}. check number, XX/XX/XXXX-XXXX- {$10.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am challenging the information with creditor XXXX this creditor has several inaccurate information this is an unverified account. unverified items i have also challenged this creditor the high balance doesn't match Transunion shows {$670.00} others are blank last verified is missing for two bureaus Transunion shows XX/XX/XXXX date of last activity doesn't match Transunion XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX date reported is doesn't match Transunion XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX closed date Transunion shows XX/XX/XXXX others are blank why are the not showing the same two year payment history Transunion shows nothing XXXX  is reporting and XXXX  is not
Product: Checking or savings account

TD Bank - XX/XX/XXXX - XX/XX/XXXX POSTING DATE XX/XX/XXXX DESCRIPTION OVERDRAFTPD AMOUNT Subtotal : XXXX XXXX Overdraft fee collected for two transactions that were made with plenty of funds to cover it. 

This is shown from my deposits and daily balances during this period. 
Electronic Deposits : 1 ) XX/XX/XXXX = {$50.00} 2 ) XX/XX/XXXX Online Xfer Transfer from SV XXXX eTransfer Credit XXXX 3 ) XX/XX/XXXX Online Xfer Transfer from SV XXXX eTransfer Credi XXXX Total {$1000.00} deposited Electronic Payments : XXXXDEBITCARDPURCHASE, ***. - {$75.00} XXXXDEBITCARDPURCHASE, ***** - {$72.00} XXXXPHONETRANSFER, ToCHECKINGXXXX - {$35000.00} XXXXNONTDATMDEBIT,  ****- {$200.00} XXXXNONTDATMFEE. *** - {$3.00} XXXXDEBITCARDPURCHASE, - {$35.00} XXXX, XXXX XXXX XXXXDEBITCARDPURCHASE, - {$37.00} XXXXDEBITPOS, - {$100.00} XXXXDEBITCARDPURCHASE, - {$14.00} 02/25DEBITCARDPURCHASE, - {$22.00} XXXXDEBITCARDPURCHASE, - {$22.00} Total : {$940.00} Purchased = {$110.00} still in account The daily account balance showed no negative activity during those dates : DAILY BALANCESUMMARY DATE XX/XX/XXXX {$180.00} XX/XX/XXXX {$230.00} XX/XX/XXXX {$24.00} XX/XX/XXXX {$340.00} XX/XX/XXXX {$210.00} Balance XX/XX/XXXX = {$210.00} Overdraft fee XX/XX/XXXX of - {$70.00} The fee was charged for transactions made after a {$500.00} deposit. 
There are more unscrupulous overdraft fees that I was charged for transactions I made after insuring the account had enough funds and that any recent deposits had already appeared on my account. 

I couldnt have used my card without proper funds. They calculated the debits of the day not in the order received, but always to an advantage of causing a fee, which would show up as a surprise days later. 

I was charged {$1000.00} in overdraft fees for XX/XX/XXXX, account opened in XX/XX/XXXX/XX/XX/XXXX. XX/XX/XXXX was charged over {$170.00} in overdraft fees for 2-3 months. 

Help recovering this huge discrepancy is greatly appreciated.
Product: Credit card

I have consistently made payments on time for this account, and it is causing me immense stress to see an incorrect late payment entry. I have never missed a payment and am deeply committed to maintaining a spotless payment record. The impact of this error on my mental well-being is significant, affecting my sleep and peace of mind. I respectfully request an immediate correction to my account and hope you understand the urgency of this situation. Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompted me to check my credit report. These items listed are not mine and need to be deleted from my credit report : CHAPTER XXXX BANKRUPTCY CHAPTER XXXX BANKRUPTCY XXXX XXXX XXXX XXXX/XXXX XXXX XXXX/XXXX   DEPTEDXXXX DEPT OF EDUCATION/XXXX DEPT OF ED/XXXX/XXXX XXXX  There are also inquiries that need to be removed as well : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX  XXXX XXXX XXXX XXXX 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

We recently purchased a home in XXXX with an FHA loan. Our mortgage transferred to XXXX XXXX, a month later Mr Cooper took over XXXX XXXX. We broke up a payment into 2 payments due to my husband being short hours at work. When our loan transferred to Mr. Cooper, both payments were missing, they have recovered one, but 2 months later along with many phone calls, the 2nd payment is still missing. We have submitted proof of payment and everything to have this credited to our account, but it has still not been done! There is also no way to speak to anyone in the department that handles the missing payments and we are just told that they will reach out to us when they find out something.
Product: Mortgage

PHH Mortgage - phhmortgage.com Mortage payment is {$2500.00} - paid exact amount, on time, every month, for over 3 years. 

XX/XX/XXXX : During EFT from XXXX, inserted a '4 ' and did n't notice - making that payment : {$25000.00}, XX/XX/XXXX : We noticed the error - called XXXX - XXXX contacted PHH with me on phone - PHH had deposited the transfer, said they could n't unwind the payment - {$23000.00} does show applied to principal - PHH promised a return of the difference : {$23000.00}, within 7 to 10 days XX/XX/XXXX : Have not seen over-payment returned - amount still credited to Principal - called them, they now say they will return my over-payment in 15 business days - they offer no explanation of why they did n't send the money as promised on XX/XX/XXXX - i asked to speak with a supervisor, and was told they were all busy This is wrong and worrying behavior.
Product: Mortgage

On XXXX XXXX XXXX, I came across XXXX different, mortgage insurance company documents for our property. On XXXX XXXX XXXX, I requested Ocwen Loan Servicing through a qualified written request by certified mail to provide us the following information. First, we requested to know who is the insurance company that carried the PMI insurance on our property/note. Second, we requested to know how many PMI insurance policies there were for our note/mortgage. Third, we requested to know the amount on each PMI insurance policy. Fourth, we requested to know if the PMI insurance policies were ever paid out in order to pay off our note/mortgage when we were in foreclosure several years ago. Fifth, we requested to know who the insurance company paid these funds too, with all contact information such as name, address and telephone number. On XXXX XXXX XXXX, Ocwen Loan Servicing responded to my complaint. Ocwen stated ; our company has recently received a request for information on the above reference loan, which is enclosed for your review. Ocwen enclosed a payment history only and failed to answer my questions that I asked through the qualified written request. Now, per the RESPA act, Ocwen was suppose to answer my questions but failed to do so. Then on XXXX XXXX XXXX, I responded back to Ocwen Loan Servicing by certified mail through a qualified written request. This request was now sent to the Ombudsman office this time. I requested the same information once again. I further stated ; today, XXXX XXXX XXXX, we received your response dated XXXX XXXX XXXX. In this response, Ocwen failed to provide us the information that we were seeking. Instead, Ocwen provided a payment history sheets from XX/XX/XXXX to XX/XX/XXXX. This payment history sheet does not give us the information that we are seeking. Failure to comply with our requests will result in another complaint against Ocwen. Now, since Ocwen has failed to provide accurate information to the credit bureaus and failed to take responsibility over it, we have decided to file complaints against Ocwen when they fail to comply to each and every inquiry. On XXXX XXXX XXXX, we received another letter dated XXXX XXXX XXXX with documents enclosed. Nothing with in this letter reflect any of the questions that we asked Ocwen. Ocwen enclosed a copy of the note, Deed of Trust, an assignment of Deed of Trust, a notice of servicing transfer by Litton loan servicing, a modification agreement dated XXXX XXXX XXXX, a HAMP modification in XX/XX/XXXX and XXXX document located in XXXX XXXX California along with a payment history. Again, Ocwen Loan Servicing has failed to address each of my questions under the RESPA act.
Product: Mortgage

RightPath Servicing has violated XXXX Forced Placed Insurance, knowingly, and has now initiated foreclosure based on their claim of expired hazard insurance. 

RightPath Servicing was provided proof of insurance coverage that satisfies the requirement of such coverage, All Inclusive or All In coverage was provided. 

Timeline : XX/XX/XXXX - RightPath Servicing sent notice that hazard insurance expired and was required. Proof of insurance to be emailed to the provided email address. 

XX/XX/XXXX - Borrower provided proof of insurance, binder showing a coinsurance clause that satisfies the requirement by XXXX XXXX. Insurance coverage from XX/XX/XXXX to XX/XX/XXXX XX/XX/XXXX - RightPath Servicing sent notice requiring proof of hazard insurance, Second Notice. Again, on XX/XX/XXXX borrower sent proof of insurance to satisfy the request. Proof of receipt of insurance documents was sent by RightPath Servicing, via email, as a response to the documents sent. 

XX/XX/XXXX - Complaint filed after borrower is assessed for HO-6 Forced Placed Insurance . 

XX/XX/XXXX- Borrower receives documents indicating a lawsuit has been filed to foreclose on the property for non-payment as demanded by RightPath Servicing for forced placed insurance and subsequent fees etc. related to this act. 

RightPath Servicing has received numerous Notices of Error via the CFPB portal and have refused to correct the error, claiming no such error occurred. 
The Declaration for the condominium property clearly explains the master insurance policy covers replacement cost for the entire condominium ( 100 % ), including all walls coverage. The condominium has never failed to provide the required coverage. 

XXXX XXXX Servicer Guide - 4703.2c clearly states : A policy with a coinsurance clause, and inclusion of an agreed amount endorsement or selection of the agreed value option ( which waives the requirement for coinsurance ) is considered acceptable evidence that the 100 % replacement cost requirement has been met. 

This language satisfies the claim by RightPath Servicing that HO-6 insurance is required. 

The coverage provided in the HOA Master Policy exceeds the requirement for walls in coverage, or HO-6 insurance as claimed by RightPath Servicing XXXX All Inclusive coverage by inclusion of a coinsurance clause exceeds RightPath Servicings request for walls in coverage. 

In a letter dated XX/XX/XXXX RightPath Servicing states : Some homeowners associations include HO-6 in their condominium master policy. If they do, it is not required. It is required only when it is not included in the mater ( master ) policy. 

RightPath Servicing refuses to acknowledge the fact that the coinsurance clause included in the master policy IS coverage for the inside of the unit and 100 % RC, Replacement Cost, has been met. 

No improvements or upgrades have been made to the unit that would not be covered by the master policy coinsurance clause. 

The repeated refusal to correct the error, by RightPath Servicing, can only be understood to be viewed as a deliberate act of bad faith.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. Paid up account were not deleted on my credit report 2. Account with missing payment which was made new aggreement of payment not uptodate 3. Please delete and update them as soon as possible
Product: Credit reporting, credit repair services, or other personal consumer reports

CAPITAL ONE BANK account on my credit report was tagged to be LATES/CHARGE OFF with no specific date of showing the late status. The payment history is incomplete and with so many errors in the date of last activity, date opened, etc. The entire remarks for this account are a big error. Thus, I am doubting that the Bureaus have conducted a proper investigation. Moreover, I have been sending them written complaints and requests and they failed to give me feedback.
Product: Credit reporting or other personal consumer reports

Recently after checking my credit report I noticed I've been a victim of identity theft and found numerous credit inquiries that I have no knowledge of! here are the inquiries I found on my 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  I have also filed and report with identity theft.gov. and have attached the file below!
Product: Credit reporting, credit repair services, or other personal consumer reports

I CHECK MY CREDIT SCORE AND SAW SO MANY INQUIRES THAT I DONT KNOW AND DIDN'T AUTHORIES IT. I TRY CALLING THE COMPANY FROM WHERE THE INQUIRE WAS COMING FROM THEY TOLD ME THAT THEY DONT KNOW HOW IT END UP ON MY CREDIT CAUSE. THAT THEY CAN'T REMOVE IT BECAUSE THEY DON'T HAVE ANY INFORMATION OF MINE. THAT I HAVE TO CONTACT THE CFPB THEY MIGHT HELP. DATES FROM XX/XX/XXXX THROUGH XX/XX/2019 2019
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened my Home Depot Credit Card account in XX/XX/XXXX. 

I applied online. Upon applying, I received a notification that I was approved and prompted to create a username and password. 

On XX/XX/XXXX, I made a purchase at the Home Depot for {$470.00}. 

I had a family emergency overseas and left on XX/XX/XXXX. I Instructed my wife to pay {$300.00} either by writing a check from our joint account or by making a money order when the Home Depot credit card statement comes in the mail. 

In XX/XX/XXXX, I returned from overseas and went to my local Home Depot store in XXXX XXXX to find out why I havent received any bill to pay my credit card. They told me that I can log online to make a payment or view my statement and provide me with the website address. 

This was the first instance in which I discovered my account was past due. I immediately made a payment and set up auto pay to ensure my account is never late again. 

In XX/XX/XXXX, I called Citibank regarding two late payments reporting on my credit report. I told them The only reason I did not pay was because I was never billed! I pay all of my bills on time. Why is it my fault that I was late when in fact I never received any bill or statement? I was informed by the representative that when I was approved for the account I created a online banking password and by doing so I automatically subscribed to paperless statements. This is absurd. If I knew I was signing up for paperless statements I wouldnt have signed up. I expected a bill or statement to come in the mail. I told my wife to pay the Home Depot credit card bill when it comes in the mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Experian about the following negative accounts XXXX XXXX Account # : XXXX, Date Opened : XX/XX/XXXX, Credit Limit XXXX {$2000.00} ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. I'm looking forward to the immediate update or correction of the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
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 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, Equifax '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 Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

These are the accounts I marked as inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I have qualified for 10-year Public Service Loan Forgiveness since XX/XX/XXXX. I submitted the proper applications and PSLF Forms to my loan servicer XXXX in XX/XX/XXXX. XXXX notified me that I meet the threshold for forgiveness and they are awaiting approval from the Federal Student Aid Bureau. In XX/XX/XXXX my loan servicer was transferred from XXXX to Mohela. I have yet to have my loans properly discharged. I contacted Mohela in XX/XX/XXXX and XX/XX/XXXX and they advised me that they were waiting for a response from FSA and to wait XXXX business days. I contacted Mohela again in XX/XX/XXXX. They escalated my issue to a Mohela supervisor who sent an additional request to FSA and advised me to follow up in 30 days. I followed up today and they still have not received a response from FSA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an alert via email from my bank that someone pulled my credit report from TransUnion. I looked up my report online and discovered that on XX/XX/2020 a credit union I do not know, recognize or have ever done business with pulled my report. Listed on my credit report inquiries is Type of Industry : Credit Union XXXX : XXXX XXXX XXXX XXXX XXXX CO XXXX Phone Number : ( XXXX ) XXXX I could not get through to this number by phone or to TransUnion by phone, additionally, TransUnion offers no email address to email a fraud complaint. 

It appears that someone may be gathering my credit data illegally.
Product: Debt collection

I don't recall having a contractual relationship with LVNV FUNDING LLC Account Number : XXXX.
Product: Checking or savings account

On XX/XX/XXXX I received in the mail from NETSPEND XXXX XXXX XXXX XXXX TX XXXX A bank card with my name, and a routing number XXXX and account number XXXX and a bank name : XXXX XXXX. I had never contacted this bank and have no desire for a new bank card and account with a company I know nothing about and have no relationship with. Looking at the one page letter with this information and physical card, which has a XX/XX/XXXX expiration another account XXXX. _______ What is particularly concerning is that I already filed a CFPB complaint for this same bank when they sent a different card wtih the same routing number and a different account number XXXX and different Credit Card number XXXX. XXXX CFPB XXXX, where they write here in CFPB system, " We have also flagged your information to ensure no future Accounts are opened with Netspend using your name and Social Security number. We also removed your name and address from our mailing list, so that you should not receive future cards from any Netspend-managed prepaid card programs. '' ___Obviously that was a lie, since they sent another card to my address, with a new account number and Credit Card number. What is additionally deceptive is that in their previous response they suggest an identity theft issue -by them it appears- as I have all three of credit bureaus frozen, way before I received the first bank card. For context, this year our mail was stolen, including a bank statement, and with just that statement, theives started direct withdrawals from our account having just our account number and routing number. We had to close our actual XXXXXXXX XXXX account, open a new one, and update all our direct payment services for water, garbage, energy, credit cards. This is to say having a routing number and account number being created repeatedly by the dubious and lying company Netspend ( see their promise to remove my information in XXXX ) arriving in the mail is a serious concern. Please confront this company, they are clearly scamming people.