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

Second Mortgage Loan for {$27000.00} as guarantee to a Property was open on XXXX in First Bank Institution in PR. It was paid accordingly until end of XXXX. The property was on Sale and the balance of the first and second mortgage ( {$220000.00} ) was more than the Actual appraisal of the property ( {$160000.00} ) in a difference of almost {$75000.00} with charges.The First loan with XXXX XXXX agreed on a Short Sale, the Second Mortgage with First Bank did not. For this reason, the property began a Foreclosure Deed in Lieu procedure. The Second Mortgage Bank was informed of the foreclosure as they denied the Short sale process and I had no money to make the sale feasible. Foreclosure proceedings started in XXXX, court communications were presented and everyone was informed including First Bank. I called them several times and they continued to send monthly Invoices regarding the Second Mortgage Loan and making calls on due payments. They even sent letters on the insurance requirement. Every time I called and explain and they just took notes of it. I took two years and after Hurricane Maria situation, in XXXX, the court foreclosed the property in guarantee and sold the property for $ XXXX have called First Bank and tried to reason with them on what happened, the loan was paid always on time for 9 years and the keep reporting this account Open and every month report the late payment on a loan that should appear as closed. They do not want to change the information, they have never tried to negotiate with the balance owed or charge off, they just keep reporting the loan open and the balance continues to grow and earn interest. I have claimed this information on XXXX, XXXX  and XXXX XXXX and First Mortgage keeps answering as accurate. This account was a second mortgage lien on the property I used to owe. It was not a line of credit. The property was foreclosed, it should not appear on my credit report as open and reporting illegal monthly status of late payments. When I recently called them again three weeks ago the person stated that the First Mortgage should have paid the balance of the second and since it never happened, I still owe the loan and it still will appear as open. When I asked the person what about the property that guaranteed that loan? it does not exist, the person said that she did not know how that works. When I requested to talk to someone form the legal area or loss mitigation, they transferred me six times with no answer and just told me that the Legal area was not working due to COVID and that they would call me back, I am still waiting for the call.
Product: Payday loan, title loan, personal loan, or advance loan

While updating my home in preparation for it's sale in XXXX XXXX, I used my XXXX XXXX credit cards to buy bathroom, kitchen and laundry room appliances, building materials, etc. Seeing that the credit card interest rates had climbed, I decided to eliminate 1 card and pay down the other card. 
I applied for a {$20000.00} loan at Key Bank, XXXX XXXX, NY XXXX, XX/XX/XXXX with XXXX XXXX XXXX, Branch Manager. I have been a customer of Key bank for over 52 years. 
I was approved for the {$20000.00} personal loan. However, the XXXX XXXX XXXX  '' decided I could not be trusted to use the monies to pay off/down the 2 credit card balances. They would not put the money in my account. They insisted that Key Bank would issue checks to XXXX. 
I found this stipulation offensive. I had taken out several loans during my 52 years of being a customer at Key bank. I paid them all off without incident. I was now being treated like an irresponsible child. 
I voiced my displeasure at how offensive and ridiculous this stipulation was. However, I gave Key Bank the XXXX XXXX credit card numbers. I was asked how much I wanted to pay on each card. I told them the amounts to be paid on each card that would allow me to cancel one card and pay down the other. My instructions were recorded and sent to the " XXXX XXXX '' by XXXX XXXX XXXX. The " XXXX XXXX  '' was issuing the checks. 

My directive was IGNORED by the " XXXX XXXX  ''. They issued only one check and it was applied to only one card, LEAVING ME A BALANCE ON EACH CARD! Now, because MY INSTRUCTIONS WERE IGNORED, I am unable to eliminate the one credit card, which I felt was necessary for my financial comfort. 

While the " XXXX XXXX '' was afraid that I would be irresponsible with the loan monies, it turns out the " XXXX XXXX '' ARE THE IRRESPONSIBLE ONES! They disrespected me and ignored my directive. They have now created a FINANCIAL HARDSHIP for me every month. In addition, THEY HAVE NEGATIVELY IMPACTED MY CREDIT SCORE!

I have contacted Key Bank on several occasions regarding their mistake and no one responds to the problem.
Product: Debt collection

I received a notification of a possible offset last year around XXXX from the United States Department of Education. I immediately contacted Immediate Credit Recovery to setup the payment plan. I called the United States Department of Education again to confirm there would NOT be an offset on my taxes. The representative indeed confirmed since there was a payment plan setup that I would be just fine and there would not be an offset. I made my first payment of {$25.00} on XX/XX/XXXX via checking account and it has been coming out consistently and on time every 2 weeks. I happen to call the Treasury Offset line on XX/XX/XXXX to see if anyone requested my refund and guess what! The United States Department of Education requested my refund. I called them and waited over 2 hours and spoke with XXXX. He agreed that Immediate Credit Recovery indeed messed up with the payment plan by starting, stopping and restarting again. A while back they also submitted a wage garnishment for me when I NEVER received the notification because they had the incorrect address. 

I called Immediate Credit Recovery today and spoke with XXXX XXXX who agreed they made a mistake, but she did not seem knowledgeable enough to assist with my issue. I requested a manager by the name of XXXX XXXX ( garnishment manager ) and she assured me she would send " up '' a complaint to the compliance division and then they would forward it to the Department of Education. She stated there is no exact time frame they could give. I am frustrated!
Product: Credit reporting, credit repair services, or other personal consumer reports

There is inaccurate information reporting on my credit report. Therefore I requested a Investigation into this matter from XXXX, XXXX, & XXXX on XX/XX/XXXX. XXXX XXXX XXXX " XX/XX/XXXX '' & XXXX XXXX XXXX " XX/XX/XXXX '' are not my accounts. It has been well over 30 days & I have not received a reply from any of the credit bureaus. Under the fcra these unverifiable accounts please remove from my credit report as soon as possible.
Product: Debt collection

Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that each accounts are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each accounts are100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) are unknown to me. Also, the information you provided on these accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on these accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 
XXXX XXXX XXXX Date XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX Date XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX Date XXXX XXXX XXXX XXXX Balance XXXX XXXX
Product: Debt collection

XX/XX/year> capital one : these charges are not mine I keep getting calls and threats
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint regarding XXXX XXXX XXXX and their handling of my student loan account, which has significantly impacted my credit report and, consequently, my ability to secure a home loan. 

Recently, XXXX changed its company name, but in doing so, they made errors in credit reporting that have caused serious financial harm. Specifically, I have discovered that duplicate accounts were created under both the old and new company names, each listing the same loan balance. This resulted in an inflated total amount owed on my credit report, effectively doubling the debt reflected in my credit history. All 3 credit bureaus reflect this discrepancy. XXXX stated mortage companies use 3rd party companies that could have made the mistake. After speaking with the mortage company they confirmed the duplication shows with all 3 bureaus. The amount of time and effort to correct this is unknown, it could takes months and now the burden falls upon meXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

As a result of this negligence, my credit score has dropped, and I am now facing difficulties in securing a mortgage, which has caused considerable distress. The appearance of these duplicate accounts on my report has led to confusion with potential lenders, who have been misled by the inflated debt amounts. 

I respectfully request that CFPB investigate this issue with XXXX and facilitate the correction of these errors, ensuring that my credit report accurately reflects the true amount owed without any duplication. Furthermore, I would appreciate any assistance you can provide in addressing the damage caused to my credit score and the ongoing difficulties in securing a home loan due to these reporting errors.
Product: Money transfer, virtual currency, or money service

Complete Payment Recovery Services , Inc XXXX XXXX XXXX XXXX XXXX XXXX This is a debt collection agency of whom are collecting on a debt for XXXX XXXX  I was contacted about a check for {$530.00} that I cash through XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I was notified the check was returned by the collection agency. The payroll check was cleared through pay pal, but XXXXXXXX XXXX sends me a debt for the amount of my check {$530.00}. My check was cleared by me cashing it and writing void on my payroll. Complete Payment recovery claims that I owe for the full amount above but, the payroll check was cleared through XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted experian, about several issues not updated in their report for credit card balances, this particular card showed XXXX balance on a XXXX credit limit. When my balance was XXXX. I filed disputes with them. Experian contacted my credit card company XXXX XXXX and asked them to lower my credit limit to XXXX, when I have not ever been late on, then updated my balance. Which would drastically lower my credit score,  instead of raising it.
Product: Debt collection

We are being blackmailed by Receivable design Collection company. We reach an agreement that we will be paying monthly payments that we could sustain. After three months of consecutive payments, without any notice, Receivable design collection put a collection on our account. Following our conversation with them, we reached an agreement that we will increase the monthly payments, but they will remove the collection from our report. Now we found out that they didnt fulfill their part in the agreement and didnt remove the collection but rather updated it, confirming that the account is still under the collection. When we called them, they said that the only way to remove the collection is by paying off the balance. Because of their misleading action, I can not be approved for the parent plus loan for my daughters senior year at the university, which can jeopardize her graduation year. In order to get the account to be paid off, Receivable Solutions use decisive methods, such as putting the collection on customer credit reports without notifying them, saying they didnt keep the credit card on file although they charged the credit card several months. They use tricky techniques to victimize the people they are dealing with
Product: Credit card or prepaid card

I requested a balance transfer onto my new card, when I opened the account on XX/XX/XXXX. To this date of XX/XX/XXXX, navy Federal has failed to pay off my other card, but has charged my new platinum visa card, on XX/XX/XXXX, in the amount of XXXX. The inquiries I make vary wildly and all information I'm given is conflicting and inconsistent. They charged me for the balance transfer, but never paid off my XXXX XXXX XXXX balance. I spoke with my Branch Manager who also failed to fix the the issue. They have charged me for the balance transfer and never paid off XXXX nor give me clear information about what is happening or when it will be paid off. I asked them to follow up and they refused via the call center supervisor today on XX/XX/2020. They always have excuses. They wanted to do a stop payment today, and reissue the check, aka start from square one, again. I need it to be paid and they have failed to do this. They kept insisting to cancel the check and reissue it, and I refused because I knew that at some point XXXX  would try to deposit it, and I would incur a fee. I also knew that Navy Federal would not reimburse me for the fee either.

Update : I attempted to open a previous case with the CFPB, and Navy Federal ignored it. They ran down the time they had and fraudulently closed this case a a " duplicate '' with the CFPB. It isn't a duplicate case and I don't think Navy Federal even looked at it. I was never helped by Navy Federal.  They do not appear to have any management or escalation department. My card eventually was paid with XXXX. The problem at this point is that Navy Federal took so long to pay off my XXXX card after they charged me for it, that XXXX charged me a ton of interest during the balance transfer process. 

THIS IS NOT A DUPLICATE ISSUE. NAVY FEDERAL HAS NOT HELPED ME AT THIS POINT OR TRIED TO. THEY HAVE DONE ABSOLUTELY NOTHING. 

I initially reached out to NCUA and they closed my case immediately, claiming that the CFPB would need to handle this case. There is no other case on this issue and this is not a duplicate case. THIS IS NOT A DUPLICATE CASE.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB please help me with this, Ive sent numours complaints. Both you and Equifax seems to ignore them.. Ive also reach out to Equifax via phone mail and fax. Ive requested information be blocked from my report. Ive sent ftc report, Equifax is reporting the wrong date of birth for me.. I sent in proof of idenity also. It my belief this information is fraudulent or Equifax has mixed me credit file.. This needs to be fixed ASAP. I have multiple accouts that are not showing on my report because, Equifax has the wrong date of birth..AGAIN THE IS WRONG & A VIOLATOIN OF THE FCRA, INFORMATIOM REPORTING MUST BE TRUE AND CORRET. IF IT NOE FIXED ASAP I WILL CONTACT LEGAL HELP..

1. WRONG DATE OF BIRTH XX/XX/XXXX//WRONG! ( CORRECT DATE OF BIRTH XX/XX/XXXX )!!!! PLEASE FIX ACCOUTS NOT SHOWING BECAUSE OF THIS XXXX XXXX, XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX/XXXX  XXXX  XXXX XXXX, XXXX XXXX, XXXX, XXXX/XXXX, XXXX XXXX, XXXX PLEASE FIX MY DATE OF BIRTH SO MY POSETIVE INFORMATION CAN BE FIXED AND ALL OF MY ACCOUNTS CAN UDATE AND POSTED TO MY EQUIFAX FILE. 

CLOSED ACCOUNT NOT MINE XXXX  1. XXXX XXXX-XXXX  XX/XX/XXXX 2. XXXX XXXX  XXXX  XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX 5.XXXX XXXX XXXX  XXXX XX/XX/XXXX 6. XXXX XXXX XXXX XX/XX/XXXX 7.XXXX XXXX-XXXX  XX/XX/XXXX 8. XXXX XXXX XX/XX/XXXX 9. XXXX XXXX XXXX XX/XX/XXXX 10. XXXX XXXX XXXX 11. XXXX XXXX XXXX XX/XX/XXXX
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 how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report 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 blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$4200.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$360.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$120.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$250.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$730.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$850.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

XXXX sent an ACH deposit through a 3rd party vendor and it hasnt been received by PnC. No one is able track the transaction. No one is able to provide me with trace numbers to verify where the number is.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXEquifax Disclosure Department XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX. 

-XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Dear Sir or Madam : I am writing to dispute the following information in my file. The items I dispute also are encircled on the attached copy of the report I received. 

This Personal Information I am disputing by name of source, such as creditors or tax court, and identify type of item, such as credit account, judgment, etc. is inaccurate or incomplete because 15 U.S.C 1681 section 602 A States I have the right to privacy. But also states that whatever is not 100 % accurate should be removed. I am requesting that the item be deleted and changed to accurate Information.

Enclosed Is a copy of my State ID supporting my position. Please reinvestigate this matter and correct the disputed item as soon as possible. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern TransUnion XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX PLEASE UPDATE MY CURENT ADRESS, THESE ADDRESS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX UPDATE MY NAME, THESE NAME VARIATIONS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item. 

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.

Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 

XXXX, XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Product: Mortgage

Wells Fargo is playing a game with serious negligent, unlawful procedures relating to my dispute. I submitted a complaint first directly to them 1st week XXXX, then with CFPB XX/XX/21. It is now XX/XX/21. Complaint number XXXX. Can CFPB look deeper into complaint re : banking regulations offenses? Wells Fargo has a history of disregarding the law and consumer abuse and it continues today despite Congressional Investigations and condemnation.