23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Discovered debt from ProCollect when it appeared on my credit report. I called them immediately as that was first time I was notified of this. I did not receive any communication to dispute. 
I have been working diligently with all 3 credit agencies to get this removed since. 
I have also sent them documentation that this debt is clear and provided the letter from the creditor of the {$0.00} balance. It has still not been removed. 
All I have heard is that since I did not dispute in their initial letter, it is assumed to be valid. The issue is, I never received said letter, nor any letter since as I have requested they send a copy of what is claimed to have been sent to me initially. 
I would expect this to be removed from all 3 credit reporting agencies immediately as it is invalid and I was never given the opportunity to provide this to ProCollect. 
Thank you, XXXX XXXX XXXX
Product: Consumer Loan

kmart had a program to lease at there store I leased a tv total cost XXXX if I was to purchase it on the lease you had to pay at least the price of the tv in which I did and then I called them to come pick up the tv I no longer wanted it the said they could not pick it up but they had a recovery team that did that I said fine but I did not want any more payments made they said they would take care of that and they did months went by and they still had not pick up the tv and then they called one day and ask if was willing to pay a discount price to keep the tv I said no I already paid more than it was worth they made XXXX more offer that I refused never heard any more and know they have put me in collection for XXXX iam in process of rebuilding my credit so you know what this to my score by the way they to this day have not pickup the tv it is sittingin my garage they have place there claim with a company called XXXX XXXX l hope you can help me when you file a complaint with credit bureau they come back and say we check and they say you owe the bill thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX, HAS VIOLATED MY RIGHTS 15 U.S.C. 1681 section 602 A 15 U.S.C. 1681 section 604 A section XXXX XXXX XXXX XXXX  ( a ) ( XXXX ) 15 U.S.C. 1681s -2 ( A ) ( XXXX ) they have violated several of my right with no regard of congress making these laws
Product: Payday loan, title loan, or personal loan

I have been having health issues which included a 6 hour XXXX. I have also received a reduction of my social security benefits. I have explained to this company on several occasions I am in the hospital and they stated to me that the calls will continue, although I requested to not be bothered right now, as XXXX is the last thing I need.
Product: Student loan

1. We have had a payment agreement with Navient since since XX/XX/2015. Year over year Navient keep raising our interest and the payment despite the fact that we have a limited income making very hard to continue with payments at this time. Also we have loans that after the initial settlement after the first class action law suit the interest was lower however they did not recalculated the loan interest base on the new rate causing some of the loans to double in a short period of this as well as they keep accruing interest over the interest they accrued at 22 % +. 
We have call and talk to supervisors and all they tell us is that " too bad you need to cut your expenses '' ( ask for the recordings that they keep and you will see it is all true ) which are already to the bear minimum. We were able to continue paying the loan with the low interest that we originally agree but they now refuse to continue with the original agreement and keeps raising the interest and the monthly payment.
Product: Credit reporting or other personal consumer reports

I want these deletions and block of accounts on my credit report and updating my information. I provide documentation of my credit change, such as a statement from the creditor. I can protect my creditworthiness and ensure my credit report accurately reflects my financial history. I have managed my credit information is an essential step in maintaining my financial health and stability.
Product: Bank account or service

I have had a credit card and personal and business checking/savings account with Chse for several years. I was XXXX on XXXX XXXX, 2016 and while in XXXX my identity was stolen and all my funds were drained out of my accounts and my cards were maxed out. I was recently XXXX on XXXX XXXX and now Chase is refusing to do anything to restore my lost funds or fix my credit because I did not report the fraud fast enough, but since I was in XXXX there was no way for me to know this was occurring.
Product: Credit reporting or other personal consumer reports

XXXX New York and Illinois offices are reporting false fraudulent and wrong info on my XXXX Equifax and who knows who elses credit business. I have been forced to repeatedly and continuously submit complaints here and at appropriate state agencies for the instate illegal conduct. I am without hope and traumatized that this co is allowed to continuously and repeatedly and unfairly report and publish illegally and without stopping. The credit bureaus have a low standard of review to affirm a debt but they do not get to ignore my evidence and side with the co repeatedly and without stopping. This is illegal and wrong. Laws are being broken and ignored at the credit bureaus to affirm this debt and all info for no other reason than to hurt me and cause me to look bad. It is wrong. The exact date of this contract is XX/XX/XXXX. The exact date it became void and unenforceable is XX/XX/XXXX.
Product: Vehicle loan or lease

I am filing this complaint against Global Lending Services regarding serious issues that have arisen from the financing of my XXXX XXXXXXXX XXXX purchased in XX/XX/XXXX from XXXXXXXX XXXX XXXXXXXX. During the sales process, I was misled about the terms of the agreement, and critical details regarding my financial obligations were not disclosed. More distressingly, my signature was forged on the promissory note and possibly other documents related to the financing. 

Despite my efforts to resolve these discrepancies, Global Lending Services has not provided adequate responses or documentation. They failed to conduct a mandatory welcome call to verify the information used in the credit application, which is standard to confirm that all provided details are correct and understood by the customer. Additionally, they have not supplied the original promissory note upon request, which is crucial for verifying the legitimacy of my consent to the terms. 

The situation escalated when Global Lending Services wrongfully repossessed my vehicle in XX/XX/XXXX, despite ongoing communications regarding the dispute over the forged documents. This action forced me to file for bankruptcy to recover the vehicle, severely damaging my credit and impacting my ability to secure housing as a single mother.

I urge the CFPB to investigate these violations, including the forgery of my signature, the lack of proper verification processes, and the improper repossession of my vehicle. This complaint seeks to rectify the financial harm and emotional distress caused by Global Lending Services ' disregard for proper lending practices and consumer rights.
Product: Credit reporting or other personal consumer reports

Late payments have appeared on my credit record without proper validation, and my previous communications sent over XXXX  days ago remain unaddressed. These disputed transactions require immediate investigation as they negatively impact my credit standing and financial opportunities.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint about this company on XX/XX/XXXX for reporting negative information that is older than 7 years on a background check. Now I have had to do a second background check for the same role, and they returned the exact same information. I will be taking legal action. 

I filed a complaint after the first background check which read : " First Advantage conducted a background check for a job offer I received. They returned a misdemeanor charge from XX/XX/XXXX, which is well past the 7-year cut-off. Even if judging by the disposition date of XX/XX/XXXX, the incident was still more than 7 years ago. ''
Product: Mortgage

I sent out a payment of {$1300.00} XX/XX/XXXX after I received letter from SunTrust mortgage company regarding escrow shortage of {$1300.00}, intend to keep my monthly mortgage payment same as XXXX. The additional payment sent has a memo of my loan number and purpose of the payment is for the escrow shortage. However, instead of applying the payment for escrow shortage, it applied the payment to principal. In additional, it left my monthly mortgage payment unapplied, and claim I am late for mortgage payment, which would cause additional fee and interest payment while having unapplied payment from my account. This is not the first time this has happened to my account. It seems SunTrust has a systemic issue to handle escrow payments.
Product: Checking or savings account

In XXXX of XXXX I started at new company ( XXXX XXXX XXXX ) - In approx XXXX  of XXXX initiated a XXXX rollover of my existing XXXX from XXXX XXXX which XXXX to over $ XXXX - I requested to have a little more than half of my existing XXXX  paid out to me directly ( which went fine ) and the remaining {$50000.00} to be be rolled over into the XXXX  XXXX plan. 

*Sometime around this time, Wells Fargo apparently stopped managing XXXX & the companys affected switched to XXXX  XXXX. The XXXX rollover check that I received to mail was never applied to my still existing XXXX, supposedly never received. They referred me to the sender Wells Fargo and Wells Fargo has since shut down XXXX operations and just kept referring me back to XXXX XXXX  that took over all their XXXX acct *I fortunately took a pic of the check that was never deposited, cashed or processed but to my surprise NO ONE From either bank has been able to provide me with its status, where the money went what steps to take next. Both phone numbers under the title of the issuing bank are no longer in service and I no longer know what Im supposed to do. Im not wealthy, Ive have XXXX kids, Ive worked very hard my whole life for tgat money, I have no idea how much Ive even lost from XXXX - today and Ive I HOURS UPON HOURS on the phone, emailing on hold, creating so called tickets for OVER 3 years. I NEED HELP - Even just a fire to be lit under someone because Im obviously not getting anywhere.
Product: Credit reporting

I have requested Equifax to correct the information on my correct report and nothing has happened. I have requested " VALIDATION '' AND NOT " VERIFICTION '' of this account, which has not been provided. Here is the account : # XXXX XXXX They always say they verified information and do not ... Please have documentation supporting this debt! Also, please provide, who you spoke with, date, time, phone number and documents shared. Other wise by law, please removed this negative information of my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the removal of unauthorized inquiries on my credit report. After reviewing my report, I noticed the following inquiries that I did not authorize and have no knowledge of. As these inquiries were made without my permission, I ask that they be removed immediately per Law 15 U.S.C 1681N XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXXL XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX Auto ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX  XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX 2023
Product: Money transfer, virtual currency, or money service

Hi In 2022 I was opened a checking account with ALLY bank XXXX was partner with the company for about 6 months and I made a purchase with XXXX XXXX regarding a car purchase for {$5500.00}. I disputed the charged, because the person I exchange funds with didnt sell the proper product. I received a credit {$5500.00} in which ALLY bank services have credit me and then froze my account to where I wasnt able to access the funds. Can someone review this case for me. Im entitled to the funds that I never received. They have closed my account
Product: Credit reporting or other personal consumer reports

I'm really frustrated because my credit report has wrong info like my address, phone number, and employment details. I've tried multiple times to get this fixed, but nothing has changed. This needs to be corrected immediately. I requested the credit bureaus ( Equifax, XXXX, and XXXX ) to correct the following inaccurate personal information on my credit report : Incorrect Address : Reported Address : All others are incorrect Correct Address : XXXX XXXX XXXX XXXX, TX XXXX Incorrect Phone Number : Reported Phone Number : All others are incorrect Correct Phone Number : XXXX Incorrect Employment Information : Reported Employer : All others are incorrect Correct Employer : No current employer Other Personal Information : Incorrect : All others are incorrect Correct Name and Date of Birth : XXXX XXXX XXXX XXXX, XXXX : XXXX Despite providing the credit bureaus with multiple dispute letters and supporting documents such as copies of my state ID, utility bill, social security card, and bank statement to verify my correct personal information, they have failed to correct these inaccuracies. These errors are negatively impacting my credit profile and causing significant inconvenience. I am seeking immediate correction of these inaccuracies and a confirmation of the changes made to my credit report. The credit bureaus have failed to correct inaccurate information and are violating provisions under the Fair Credit Reporting Act ( FCRA ). Such as : 1. Section 1681e ( b ) : Duty to Ensure Accuracy 2. Section 1681i ( a ) : Dispute Procedure 3. Section 1681i ( c ) : Notification of Deletion or Correction 4. Section 1681i ( d ) : Statement of Dispute 5. Failure to Ensure Accuracy ( 15 U.S.C. 1681e ( b ) ) 6. Failure to Properly Reinvestigate Disputed Information ( 15 U.S.C. 1681i ( a ) ) 7. Failure to Correct or Delete Inaccurate Information ( 15 U.S.C. 1681i ( c ) ) 8. Failure to Include a Statement of Dispute ( 15 U.S.C. 1681i ( d ) ) The credit bureaus are currently in violation of the Fair Credit Reporting Act ( FCRA ) and I request that this matter be fixed immediately due to the above violations.
Product: Money transfer, virtual currency, or money service

I am writing to express my concerns regarding Zelle handling of disputes. In light of the CFPB lawsuit. I've been having issues. I've been using Zelle a long time now and Zelle failed to investigate any of my transactions and claims I've had. They also told me it was nothing they could do in recovery of my funding. The cfpb also found that Zelle neglected to protect consumers. Leaving me vulnerable to be scammed.
Product: Checking or savings account

I have opened a checking bank account in Wells Fargo bank on XX/XX/2022, and later on I deposited a check through online banking on XX/XX/2022, immediately after I had done the deposit, they sent me an email that my account will be closed by XX/XX/2022 and another email that my check will be on hold. 
I contacted their customer service, they said that they have no information, and advised me to call loss prevention team on XXXX, I called them, they told me to take the physical check and try to deposit it in the branch, I went to the branch and ask them to deposit the check, they said we cant do it as the account is in transitional close status, then the branchs banker advised me to go and deposit it in another bank account. Since I dont have another bank account, I encash it from currency exchange, after few days, the currency exchange called me and said that the check was returned for double presentment as its already presented by Wells Fargo and asked me to return the money, I returned them the money. 
By XX/XX/XXXX, Wells Fargo credited the check amount in my account then on XX/XX/XXXX they withdrew the check amount as well as the remaining amount in my account and closed the account. 
After few days, I received through mail from Wells Fargo a cashier check of the remaining amount in my account which is XXXX, but I havent received the check amount of XXXX, when I called them to inquire about the check fund, they said that they have no information, the only amount released to me they can see in the system is the XXXX so I went to the branch again, the banker said that they can see that the check amount was withdrawn by Wells Fargo as per the statement of account but doesnt know where it has been gone and advised me to call loss prevention team again, I called the loss prevention team in the presence of the banker then both talked to each other and agreed that the payer has to stop the check payment from their side then Wells Fargo will release the money back to the payers bank then the payer can issue me another check. 
I contacted the payer who issued me the check and asked them to stop the payment as advised by Wells Fargo representatives ; they told me that they cant stop the payment as the check amount was already debited from their account. 
I would like to complain about Wells Fargo bank because they hold my check fund of XXXX without any reasonable right, and ask them to return it to me as soon as possible.
Product: Mortgage

On XX/XX/year>, I submitted my mortgage payment of {$3000.00} to XXXX XXXX XXXX/LoanCare via ACH payment setup. However, on XX/XX/year>, the payment was unexpectedly refunded, and a late fee was assessed, even though I had sufficient funds in my account at the time of the transaction. 

I was never notified of the returned payment or the late fee until attempting to submit my XX/XX/year> payment, at which point I was informed that my account was marked delinquent for XXXX. Upon speaking with a LoanCare representative on XX/XX/year>, I provided bank statements proving sufficient funds and was assured that my late fee would be waived and the delinquent status corrected. I immediately paid both the XXXX and XXXX payments in full as advised. 

Despite this, I later discovered that the delinquency was still reported to the credit bureaus, negatively impacting my credit score. I contacted my financial institution, which confirmed that the original XXXX payment was never returned and that LoanCare did not process any refund to my account. 

I have since provided all supporting documentation to LoanCare, including bank statements confirming funds availability, yet the delinquency remains on my credit report. LoanCare has failed to correct this error, despite acknowledging the possibility of a clerical mistake. 

This clerical error has unfairly impacted my credit history despite my long-standing record of on-time payments. I expect a prompt resolution to this matter.
Product: Payday loan, title loan, personal loan, or advance loan

Multiple emails regarding applications for loans. Reported and froze my credit with XXXX credit systems on XX/XX/scrub>/2024. Locked all my accounts. Calling all the emails received about loan applications starting on XX/XX/scrub>/2024 to alert fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Experian and spoke with XXXX about an incorrect address reported on my credit report. They didn't investigate, but told me to call XXXX XXXX ( XXXX ) XXXX. I called and they refuse to remove it stating it isn't hurting anything. I keep explaining that it isn't my address and if I have to verify my account for one of the credit bureaus that I won't be able to to because that information is false. 

1 ). XXXX XXXX XXXX XXXX XXXX Maryland XXXX
Product: Checking or savings account

On XX/XX/year>, {$48000.00} was taken out of my account, held at Citibank. On XX/XX/XXXX, first thing that morning, I called your fraud department, alerting them that this was an unauthorized transfer along with several others that were pending. The transactions that were pending were canceled. However, XXXX transfer went through. I was told that those funds would be returned, within XXXX business day. Those funds still have not been returned. As far as I am concerned Citibank has stolen {$48000.00} from a XXXX XXXX 
I have continued to ask where is my money? The continue to tell me they are taking it to the next level.
Product: Debt collection

I keep receiving mail from them for my ex.Husband who I have not seen in over 15 years and I do not want his mail coming to my house.I have already sent back several letters.And I have repeatedly asked them to stop sending letters to my address
Product: Mortgage

On XX/XX/XXXX, I received notice from NewRez that my payment had been withdrawn for what I pay monthly for my mortgage of {$3400.00}, which includes {$3300.00} towards the required payment and an additional {$60.00} towards my principal. 

I got no notification that the payment had not been received from them. However, I got an alert on XX/XX/XXXX from XXXX XXXX saying I had insufficient funds, so I logged in to NewRez and paid {$3400.00} on XX/XX/XXXX, which showed as withdrawn from my XXXX XXXX XXXXXXXX account on XX/XX/XXXX. I should have now been up to date. However, NewRez has claimed I did not pay sufficiently on XX/XX/XXXX, since {$550.00} went to escrow, the {$2800.00} payment was not enough to cover my {$3300.00} monthly payment. However, I paid {$3400.00} to NewRez. I've attached the email from NewRez, showing a single one-time payment of {$3400.00} on XX/XX/XXXX. 

In the NewRez system, if you are not current, you can not make separate additional payments to escrow or principal, you can only make payments that include your base balance. ( I've attached a screenshot of my attempt to do so today, as I didn't take any screenshots in XXXX. ) You can add additional funds to the escrow and/or to the principal, and I do so every month. Even if I had added an additional {$5.00} to the escrow to reach {$550.00} as shown on NewRez account, the remaining {$2800.00} would have been enough to cover my {$2700.00} monthly payment, including {$55.00} towards my principal. 

Even if I had been able to make separate payments, the payments would have shown as separate transactions with XXXX XXXX XXXXXXXX. Also, {$550.00} should have been added to my escrow account and {$2800.00} should have been added to my principal. 

Since that date, NewRez has sent me no letters or emails regarding the balance on my account, but has sent me XXXX emails about opportunities to refinance, several notices regarding my tax documents. 

I have continued to pay {$3400.00} monthly in XXXX and XXXX, including the {$3300.00} required payment and the {$60.00} towards my principal. None of the additional funds are showing as credited either towards my principal nor towards my interest balance. 

Today, when I spoke to NewRez, they told me that I had {$2900.00} which had not been credited towards my account that had been in an " Unapplied Payment '' account. This means I have continued to accrue interest on a principal I had already paid down further over XXXX months. NewRez also has considered me a month behind on payments and threatened me with late fees, despite the fact that I have paid *above* my monthly payment each month since XXXX. 

The NewRez complaint form is not functional. ( See attached screenshot. ) It won't let me input the complaint I'm filing in the first question, so then won't let me input any information in the other boxes.