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

I called the credit reporting agencies letting them know the inquires and accounts below are unauthorized/ not supposed to be visible on my consumer report. I Never gave them permission or consent to report them. This Aggravated identity theft. 
FTC document included below.
Product: Credit card or prepaid card

I provided my XXXX XXXX information to pay for a cruise on XXXX XXXX XXXX ( " NCL '' ) My XXXX statement had an XXXX/XXXX/XXXX transaction date and a XXXX/XXXX/XXXX post date in the amounts of {$2600.00} and {$140.00}. I paid XXXX 's bill in full. Today ( XXXX/XXXX/XXXX ), XXXX week before the cruise, I XXXX told me that they never received that money from XXXX, XXXX insisted that I give them another credit card and pay the amount again or they would cancel my reservation. XXXX insists that they paid XXXX and XXXX insists that they did not get paid. I have now paid for that trip twice. That is XXXX times almost {$3000.00}. I spoke to XXXX ( XXXX XXXX ) at XXXX. XXXX was not interested in the fact that I had already paid the full amount to XXXX because they claim XXXX did not pay them. I spoke to a supervisor at XXXX named XXXX XXXX XXXX spelling may be wrong ) at XXXX in South Dakota. XXXX is a big bank for a long time that knows how to trace funds. These are two huge companies and they are leaving me out to dry, each blaming the other. How can this happen? Thank you for your attention.
Product: Mortgage

Service-connected veteran, started the sale of my home XX/XX/year> using the V A Home Loan Assumption option due to my fantastic rate of 1.75 % XXXX. Immediately there is hardly any communication coming from Freedom Mortgage. The original closing date of XX/XX/year> was missed. The closing date was extended to XX/XX/year> and this date was missed with no explanation from Freedom Mortgage. It was disclosed later that Freedom Mortgage was understaff after I complained to this company about the service and the lack of communication. I was also informed that Freedom Mortgage had one loan processing officer available and their was a backlog of applications. I was informed that Freedom Mortgage has retained a third party to assist with the backlog of applications. The closing date was extended again until XX/XX/year>. I doubt this will happen as Freedom Mortgage Closing Department was scheduled to go out to the residence on XX/XX/year> and did show up. There has been no communication as to the missed CD visit to the home. I currently await a response from the current assigned loan processor as to when the closing will be finalized. I researched this company Freedom Mortgage and learned Consumer Financial Protection Bureau has already fined the company {$1.00} XXXX and issed an order to clean up their deception mathematical numbers they have been reporting, as well as submitting applicants race as white, when the applicants are not white, as well as paying for mortgage lender referrals. Please Help this VETERAN.
Product: Debt collection

CREDIT MANAGEMENT LP XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX XXXX {$260.00} Called company and without certain information I could n't provide they could n't process my request
Product: Mortgage

On XX/XX/2012, Ocwen, as loan servicer for XXXX Bank, committed fraud on the court and on XXXX XXXX and XXXX XXXX, when they filed a fraudulent foreclosure action against the XXXX. 

Ocwen knew, or should have known, that they had, in response to a CFPB Complaint filed by XXXX XXXX, that XXXX Bank, through a letter sent in response to XXXX XXXX CFPB Complaint, had admitted that neither XXXX Bank nor Ocwen had ever owned the XXXX XXXX Mortgage and Note.
Product: Money transfer, virtual currency, or money service

In XXXX of 2024 I attempted to Zelle a friend {$4000.00}. I accidentally sent to the wrong person. Within mins I contacted my bank XXXX to stop the transfer but was informed that it would need to go into investigation and they would get back to me with 3-5 days. This would never have happened if I got a prompt to confirm the transfer or to confirm the recipient. XXXX was never able to recover my funds nor was I. I feel like this loss could have easily been avoided had I been prompt to verify the recipient or the amount, something to make me take a second glance. Due to XXXX not having something like this in place Im out of {$4000.00}. I see now that XXXX Zelle has the check here box to confirm recipient. Clearly this was a big miss on their part. How can I get refunded for my funds?
Product: Credit reporting, credit repair services, or other personal consumer reports

I am deciding to reach out to CFPB because I have made my payments owed to XXXX XXXX XXXX in balance totaling {$3000.00}. This company has a record of collecting money from their customers and not reporting that it was paid for to credit agencies. In this case, they have still not reported a closed account to XXXX or Experian for me. This has not just happened to me but many people also seeking for account details to be updated properly ; some seeking lawsuits against XXXX XXXX XXXX, I would like to report this agency for fraudulently advising me to pay this debt in full but with no intentions of actually removing it from my credit report.
Product: Credit reporting or other personal consumer reports

Transunion XXXX XXXX continue to report incorrect information on my consumer report. The account listed as XXXX XXXX was allegedly validated and verified as belonging to me but neither company provided me with the documents or evidence used to come to this conclusion. I would like the information forwarded to me so I may inspect it for myself and follow up with the company that submitted this information this investigation can not be XXXX sided.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Equifax Credit Bureau is required to investigate this account to correct my report. It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX XXXX : {$19000.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$5500.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$240000.00}
Product: Student loan

My interest rate is so high ( 14 % ) that I will take way too long to pay down the principle loan. I started making payment Mid way through XXXX. I have not missed one payment and have always been on time making payments of over $ XXXX/mo. While attending school for all of XXXX the school/loan company made it seem as if I didnt have to make a payment until 6 months after graduation so we would have time to find a job. Being XXXX at the time, little did I know the loan was being differed and in this 18 months, 12months of schooling and 6 months looking for a job, the interest was building so much that my loan was almost doubled. 9 years later and its only gone down less than {$4000.00}. That means in that time I have paid this company ( Navient/Sallie Mae ) about {$34000.00} from which they have made almost {$30000.00} off of me just tryin to better my self with a higher educate and be able to start a family and give them a good life.
Product: Mortgage

We were charged for a XXXX subordination fee for a home refinance that did not happen. we were not told of the fee we could not refinance because of citimorgages subordination denial, they refuse to refund or credit back the fee. XXXX XXXX XXXX also charges us a fee but it was only XXXX and not XXXX and XXXX XXXX XXXX refunded the fee because the loan was not refinanced. we paid over XXXX dollars towns the refinance on top of their fee.
Product: Vehicle loan or lease

I leased a XXXX XXXX ES XXXX through XXXX XXXX in XXXX, VA in XXXX XXXX. In XXXX XXXX, my sales rep, XXXX, called me and asked me if I would like to turn my vehicle in early ( lease was up in XXXX XXXX for a new vehicle and told me that it would really help him out if I did. I told him that I would only do it under XXXX condition though and that was that they take care of my excess mileage that I had on the vehicle. He assured me that they would take care of it and that I would not be charged for it and kind of acted like that was what they did when you turned in your vehicle and leased a new XXXX. I did decide to go forward with the deal and lease a XXXX XXXX IS XXXX at the end of XXXX XXXX. Shortly after I received a letter in the mail saying that I owe {$1300.00} for excess mileage and I ignored it because I thought it was sent in error since my sales rep said the mileage would be taken care of by the dealership. I called XXXX XXXX multiple times for other issues and never once did they mention that I owed anything else related to the vehicle until this past summer when some lady said oh hey by the way, did you know that you owe for excess mileage on your old vehicle and obviously my response was, of course not! Immediately after she told me, I called my sales rep and he informed me that he no longer works for XXXX and to call XXXX. I left a message for XXXX at XXXX and he never returned my call. Then I called XXXX again because I needed my title number and told the gentleman ( ca n't recall his name right now ) that I tried to reach XXXX regarding this issue and that he never called me back. He said he would deliver the message and I told him to make sure that XXXX calls me after I return from XXXX in XXXX weeks. I never received a call back. Then I called XXXX XXXX, the XXXX XXXX XXXX, XXXX weeks ago and he said that when he pulled up the contract he saw nothing about the dealership taking care of the mileage. I explained to him that this is clearly a mistake and that I would n't be calling him a year later about it if it was n't because I would have already paid it. He said he would call XXXX and call me back but he never called me back. I just received a letter in the mail that my account has been sent to collections. I have tried to resolve this and no one is helping me ( clearly ) so I have resulted to this.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX XXXX  Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX XXXX  Account number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, OR XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents
Product: Checking or savings account

On XX/XX/year> a fraudster established a new XXXX XXXX XXXX Account with XXXX XXXX without my knowledge. All my credit reports have always been perpetually frozen and I only unfreeze when I intend to establish new accounts. I am already a customer of XXXX using their credit cards so they have my correct phone number, address, etc. Somehow without requiring any ID or contacting me for verification they allowed someone to open an account in my name. Furthermore, this individual transferred {$4500.00} of funds into this XXXX account from a Chase account I own that they had managed to compromise - they did an ACH transfer out of my Chase and into this XXXX account. From the Chase perspective, my claim for this fraudulent transfer was denied despite the fact that I had been working with Chase Fraud team about this person 's activities trying to compromise my account for 3 days prior to this ACH transfer - Chase deems it legitimate only because XXXX confirmed to them the name on receiving account is mine ( even though the address XXXX shared with me for the account is not XXXX I've ever been associated with ). Chase is not helping me recover my {$4500.00}, and XXXX will not release the {$4500.00} to me until Chase contacts them to request so. I'm stuck between the XXXX companies pointing fingers at each other. XXXX failed on multiple fronts here : XXXX. Allowing establishing of this XXXX savings account without proper authorization/identification and with an address that doesn't belong to me XXXX. Allowing the linking of an external bank account without doing any kind of PLAID verification or micro-deposits, which may have prevented the account linking. The only thing XXXX offered me is they would send me a letter via snail mail to send to Chase requesting they reopen my fraud claim and asking Chase to send XXXX a letter releasing my funds.
Product: Mortgage

Re : Ocwen Loan Servicing XXXXXXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX Filed a complaint aganist Ocwen Loan Servicing about the wrong doing 's, with the deed in lieu and the sale of the house. It was sent to them. On Saturday XXXX/XXXX/2016, I get a notice that Consumer Ombudsman will review and respond by XXXX XXXX. And in the same mail I get a notice saying that my loan is being transferred to a new servicer on XXXX XXXX, 2016 XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX XXXX Now that they have falsified papers and been caught. I want the transfer to be stopped them to keep the loan and settle this. 
Thank You XXXX XXXX
Product: Mortgage

I am enrolled in a equity accelerator program. In XX/XX/XXXX I refinanced my mortgage with PMAC. In XX/XX/XXXX the mortgage was transferred to Finance Of America for a sort duration. I was told that Finance of America took over the day to day operations of XXXX. In XXXX XXXX the mortgage was transferred to XXXX. XX/XX/XXXX a payment was mistakenly sent to PMAC instead of XXXX. The check was received and cashed. I have been working with no success to have the payment sent to XXXX as my mortgage is lagging a month behind, and I have been reported to the credit bureau. Finance of America is telling me that they are researching the issue, but it has over five days and every day I call and every day I am told that there is no update. I am very frustrated.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, Im writing to you because I noticed that my most recent credit report contains late payments reported on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX for my FEDLOAN SERVICE account. 

I want you to know that I understand, and have great respect for my financial obligations. 

Unfortunately, at the time of the incident mentioned above, I talked with one of the representatives that work for your company and I set up for them to withdraw monthly automatic payments from my checking account. I did not realize that I had a derogatory account until after I got a notice stating that I was 120 days late. I was under the impression that the payments were being taken out of my account faithfully. 

Aside from this unforeseen and unavoidable circumstance, you will see that I have an excellent payment record. 

Currently I am applying for a mortgage and financing anything has been a struggle. It has come to my attention that the missed payments on my credit reports have hurt my ability to qualify for anything. 

In my heart, I know that the missed payment doesnt reflect my creditworthiness and commitment to repaying my debts. I am humbly asking for you to give me a second chance by making a goodwill adjustment to remove the 5 late payments on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX from my credit reports. As I understand it, you can do so in just a few minutes of your time. I would greatly appreciate it! 

Thank you for your consideration. 

Have a blessed day!
Product: Credit reporting, credit repair services, or other personal consumer reports

I received the letter dated XX/XX/2019 that your company ( equifax ) completed an investigation of items in which I disputed and requested written verification and validation of items you have listed on my credit report. Your response failed to do an accurate and reasonable investigation but sent back a letter without doing so.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying them for their reporting services could fax, mail or email in a fraudulent account.

They have not abided by the law Their was someone with the same name as I have that filed a bankruptcy
Product: Credit reporting or other personal consumer reports

Please note that this is my THIRD WRITTEN REQUEST. I have contacted the CREDITORS BELOW and they have no proof that I initiated such inquiries, no written authorization, and have provided no permissible purpose. Since they have no authorization from me, either written or verbal, THIS IS A VIOLATION UNDER FCRA Section 609 ( a ) ( 1 ) ( A ). You are required by federal law to verify ( by physically verifying the original signed consumer contract ) each and every INQUIRY you list on a credit report. Otherwise, anyone who pays for your reporting services could fax, mail, or email a fraudulent account.

The unverified items listed below remain on my credit report in violation of Federal Law. The FCRA requires you to have a copy of the original documentation from creditors on file to verify that this information is mine and correct. In the results of your first investigation, you stated in writing that you " verified '' that these items are being " reported correctly. '' Who verified these accounts? You have not provided me with a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature ) and under Section 611 ( 5 ) ( A ) of the FCRAyou are required to " immediately DELETE all information that can not be verified. '' Please note that a physical letter was also sent regarding this matter, and I have not yet received a response. 
The following inquiries are not authorized : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian XXXX XXXX XXXXXXXX Re : Account Number : XXXX I am writing to dispute the validity of the account that has been reported on my credit report. The account in question is a charged-off account that has been reported by XXXX  XXXX XXXX.I am disputing this account based on violations of the Metro 2 credit guidelines. According to these guidelines, charges off account should be reported accurately and fairly, an ; d any inaccuracies or violations of these guidelines may result in the account being removed from my credit report. After reviewing my credit report and the information provided by XXXX XXXX XXXX. I have found several violations of the Metro 2 guidelines. These violations include : 1. Last Activity Date inconsistent across Credit Bureaus 2. Remarks inconsistent across Credit Bureaus 3. Time Late inconsistent across Credit Bureaus 4. Month 's Reviewed inconsistent across Credit Bureaus 5. Payment history inconsistent across Credit Bureaus Based on these violations, I request that you remove this account from my credit report. I have already contacted ( Creditor Name ) and requested that they remove the account, but they refused to do so. I have also included a copy of my previous dispute letter for your reference.Please investigate this matter and remove the account from my credit report if you find that it has been reported inaccurately or in violation of the Metro 2 guidelines. Thank you for your attention to this matter. 
Sincerely, XXXX XXXX
Product: Bank account or service

yes my name is XXXX XXXX and my complaint is with USAA. I fell victim to fraud I filled out an ad online through XXXX thinking it was a build your own business kit and it turned out to be a scam. First they want to hold me responsible for paying the overdrawn balance I feel as though that is not right for me the customer having to pay for the wrong doing to me by someone who committed fraud on behalf of my checking account. Now they are reporting to the credit bureau about this incident. I 'm a XXXX and me getting treated like I 'm the criminal is very unacceptable I feel as though that the balance should have been written all I was able to continue to use my account because my military pay for XXXX my tax return the month of XXXX in the month of me my military pay has been garnished because they said that I had to pay back the overdrawn balance and it was over {$5000.00} of my money that I work hard to make has been garnished trying to please USAA not knowing that my money was being garnished for me being victimized of fraud or my account being compromised. I would greatly appreciate it if I can receive a phone call and or an email about this situation and I can fill you in with more details about what took place because I would like to have the money that I put it in the account by me being the XXXX back. that 's all that I want from USAA is my money the money that I made on a monthly basis with the XXXX in my tax return I want my money back if they ca n't compensate me for what has been taken from me due to being victimized a fraud then I want to take them to court behind this matter I think is very unprofessional and very degrading and very disrespectful to treat a customer like he or she is the criminal that was done to them.
Product: Credit card or prepaid card

Fortiva credit cards charges large upfront and then monthly fees ( typically {$99.00} to open a {$500.00} credit limit card, then {$12.00} per month XXXX. They offer a website on which to manage a customer 's account. That website displays the customer 's available credit, which is frequently UNTRUE. They will close the account on the 90th day of no purchase activity ( which presumably is buried deep in the fine print of their customer agreement but still display the full available credit amount, presumably to mislead the customer into paying more fees. When the customer tries to use the card for an amount much smaller than the available credit displaying on the website, it is declined for ANY amount. They then blame this on " unexpected computer errors. '' CFPB should not permit credit card companies like Fortiva to continually treat customers this way and hide behind " computer errors. '' Employees of Fortiva ( or their third party partners XXXX program this software and it is entirely within their control to fix it.