23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XXXX XXXX I called Wells Fargo Bank to pay off my mortgage. I was informed at that time that there were sufficient funds in my escrow account to settle the mortgage. I agreed to have the {$610.00}, the mortgage payoff deducted and the balance of {$1300.00} refunded to me within 10 working days.I did not receive it.Wells Fargo Bank sold my Mortgage to XXXX.XXXX XXXX XXXX on XXXX XXXX. MY MORTGAGE WAS ALREADY PAID. According to Wells Fargo they sent my payment and the escrow money to XXXX on that date.XXXX  contends they did not receive the payment and is holding my escrow and will not refund it to me.And will not release my loan until payment is received. And if course they have added servicing fees, late fees, etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax was a victim of a significant cyber attack. My identity was stolen in this attack. I have set up alerts on my credit but as one of many victims of this attack, I have not sought recourse. Their free credit monitoring offer makes it so that I am unable to participate in a class action lawsuit which is unappealing and deceitful.
Product: Credit reporting

I disputed with all XXXX credit rating agencies and XXXX XXXX, a charge-off/write-off posted by XXXX XXXX on my credit report. I provided proof of payment that brought my account current. I provide evidence of an agreement to pay and online payment receipts directly to XXXX. I also included direct withdrawal receipts from XXXX rep XXXX. I was told by XXXX agent that as long as I kept my account current and paid the amounts agreed upon, XXXX would not take any further action. It was understood that I was not to use my card until the bill was paid in full at which time I could use the card again. During this time I was able to make payments directly to XXXX XXXX as well as have automatic withdrawals. I have documentation on XXXX paper showing payment of the amount to bring my account current and invoices showing bills amount owed and amount paid to XXXX XXXX. My account should not be in charge-off or write-off status. My account is still accessible and being paid for on XXXX. In addition I am paying as posted on XXXX 's website. I Had been making the agreed upon payments for over 6 months when they declared the account a charge-off.
Product: Credit reporting or other personal consumer reports

Ive tried numerous times to get inaccurate information of my consumer reports by reaching out to each of the consumer reporting agencies through certified mail. Also through this CFPB portal. I have many complaints to back this up. Do to my rights as a consumer being violated for FURNISHERS OF INFORMATION UNDER FCRA. I have been denied a XXXX business loan from my bank XXXX XXXX. Ive also had my credit decreased by truist bank from XXXX to XXXX  and my XXXX XXXX XXXX rewards card credit limit decreased from XXXX XXXX to XXXX. Which made my utilization go up and my consumer score go down. So I had to file a I identity theft report. Which you will see in my documents. I will be taking legal actions for this violation. Also I will be sending each of the consumer reporting agencies an arbitration letter. For my rights being violated as a consumer. All of the laws are in my documents also proof of the losses I took from this violation. I ask to remove all accounts that Ive tried to get rid of. DO NOT PUT A FRAUD ALERT ON NONE OF MY CONSUMER REPORTS.
Product: Payday loan, title loan, personal loan, or advance loan

This morning I received and email informing that I was denied a loan. I have not applied for a loan Cashnetusa.com. The last time they did was well over a year ago. I am not trying to take out loans. I am filing this complaint because I believe someone has gotten my information. Please inform these people to stop emailing me
Product: Debt collection

They have already ruined my Credit report 2 times, now they are doing it again, I called the number that was left on my phone to adhere no actual voice computer generated, but they continue to RUIN my credit accounts, what can be Done, do I have to Involve or Seek a Attorney in this Matter, Evidently
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously disputed these items with you Reference # XXXX XXXX bankruptcy XXXX, XXXX XXXX Bankruptcy XXXX and XXXX XXXXXXXX bankruptcy XXXX. In response you verified these items as accurate, stating that you have verified the information with the court. I contacted the court reported as the furnisher and attached is their response. It is clear they do not report to you or to any credit bureau for that matter ; therefor your original response verifying these items with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681 ) and the information must be " deleted immediately ''
Product: Mortgage

I was denied for HAMP program on XXXX/XXXX/2015 ( See attached letter ). My attorney requested the NPV chart tied to that Making Home Affordable Program ( HAMP ) review and Ocwen states I was not denied for NPV so they are not required to issue the NPV chart to the me. If I was actually reviewed for HAMP, then I want the NPV chart to make sure the correct values were used as I believe I qualify. The only conclusion I can come to is that Ocwen is blocking me from review for HAMP and HAMP 2. or the investor of myloan is not partivipating in HAMP. However, Ocwen states my investor is participating in HAMP and that I was reviewed for HAMP and I simply do not qualify. My attorney has run the NPV on check my NPV web site and it comes back positive ( See attached ). I do understand that there are variables that can change with each investor, but I do not understand why Ocwen refuses to give me the NPV and disclose the numbers they used in the HAMP review. Ocwen is evading issuing me the NPV chart after denying me for HAMP and HAMP 2. My attorney believes the program ( HAMP ) requires servicers to issue the NPV chart if they deny a borrower for the HAMP program. I was offered a regular modification with worse terms than I would be offered with HAMP. It appears Ocwen is doing this on purpose and they are unwilling to review me for HAMP and isssue the actual ( NPV ) findings solely to offer me a worse deal with worse terms which I can not afford.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX/XXXX XXXX is reporting on my credit and I never received a notice regarding this very old debt that is well past the statute of limitations. 
When I called recently about it because I saw it on my credit report they said they do not send out notices. 
Its a law that you notify a consumer before reporting to credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect inquiries are being reported on my credit report. for the last 9 months I've disputed this false information XXXX times. SpendingXX/XX/XXXX 

The companies listed below are incorrectly shown on my credit report Creditor Name XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am submitting this complaint due to a wrongly added XXXX  to my credit report. I was in the midst of getting ready to file XXXX  with my state courts at one point but we canceled the paperwork and did not go through with it. I have many times over disputed in this inaccuracy on my credit report which each credit bureau Experian, XXXX, and XXXX but each time they are saying that they verified is as accurate with the " creditor ''. I reached out to the court myself to verify that the XXXX  was not only inaccurate but they also informed me that they do not share any personal information such as XXXX  with the credit bureaus even if i did file. Which in time I have noticed they have violated many of my consumer rights while also telling me that they will no longer be looking into the matter of my XXXX because they did a second investigation with the creditor and marked it as verified.

15 USC 1681e ( b ) Accuracy of Credit Reports - states credit reporting agencies ( CRAs ) must ensure that the information on your credit report is accurate and up-to-date. If a XXXX  is reported incorrectly ( e.g., wrong court, incorrect filing date, or discharge status ), you can dispute the error.

15 USC 1681i- Right to Dispute allows me as the consumer to challenge inaccurate and unverifiable information on my credit report which they are now not allowing but also wont tell me who they are verifying this information with. Which if it is as third party 15 USC 1681s-2 Responsibilities of Furnishers of Information - states Entities ( such as courts or creditors ) that provide information to CRAs must ensure its accuracy. 

Consumer Notification of Reinvestigation Results- 15 USC 1681i ( a ) ( 6 ) If you dispute a XXXX  and the CRA reinvestigates, they must inform you of the results. If the CRA can not verify the XXXX  with the court, they must remove it in which I have a letter directly from the clerk themselves telling me that don't share that information Which I will be attaching to this complaint. But lastly according to 15 USC 1681n and 1681o Civil Liability for Noncompliance I know I have the right to sue for damages, including Willful noncompliance : Actual damages, punitive damages, and attorneys fees & Negligent noncompliance : Actual damages and attorneys fees.
Product: Credit card or prepaid card

This is an update to a previous complaint filed with  Discover Card  regarding the fraudulent charge place on my Discover card ending in  XXXX  which has been open since  XXXX . In re-opening the case they have once again denied the fraudulent balance transfer in the amount of {$4000.00} dollars and in fact I have come to find out that my signature was in fact forged by a minor child who was  XXXX  years of age at the time. This new information has also been given to  Discover Card  who refuses to acknowledge that they in fact did take and accept a forged check  (  check #  XXXX   XXXX  on   XXXX   and put the charge onto my credit card ending in  XXXX  for which I am the only authorized user and for a card which has remained in my possession only. My first complaint was filed on   XXXX   and was investigated until   XXXX   when I was once again notified that there had been no fraud committed on my card.  Discover Card  as Im learning thinks they are above the law and not responsible for any mishandling of consumer charges or funds. An perfect example of this is when dealing with debt relief agency  Discover Card  is the only credit card company who will not negotiate unlike other credit card companies.  Discover Card  's staff uses scare tactics and intimidation to accomplish a no negotiation even when the error is their own. Im am disgusted with their policies and the manner in which they handle fraudulent claims. They simply deny and fraudulence even when it can be proven. This manner of business is corrupt and should be un-exceptable for any business and or bank.  Discover Card  has failed to use proper checks and balances to prevent fraud but has every policy and procedure in place to protect itself but not the consumer therefore Im updating and once again submitting a complaint against the Card company that thinks it can do no wrong and will not accept any responsibility in improper safeguard and protections to the consumer. Forgery is a crime and for whatever reason  Discover Card  refuses to accept this because that would mean they did something wrong so I do n't know why I even bother wasting my time and words because  Discover Card  does not make mistakes even in criminal situations. They simply deny and fraudulence and therefore are never held accountable for bad business practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX Balance : {$12000.00} ; XXXX  XXXX Balance : {$1500.00} ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

Hello, The current issue is that Paypal originally processed a sale in the amount of {$1100.00} for an item sold through their sister company XXXX. The customer received the item damaged by XXXX  and elected to return the same. 

Paypal was entrusted to hold the funds, in the amount of {$1000.00}, until they were released by XXXX. 

This amount reflective of a processing fee of {$35.00} imposed by Paypal. 

However, instead of using those funds to process the refund, the amount on hold plus reversing the processing fees in the amount of {$35.00}, Paypal allowed a charge of the original amount of {$1100.00} to my credit card on file. XXXX claimed they fronted the full amount for the refund to the customer, and they secure the full amount from my credit card on file for purchase payments, without my authorization. 

I have requested that Paypal insure that the amount pending, {$1000.00} and the associated fees in the amount of {$35.00} be properly refunded to my bank account of record. Paypal and XXXX have a legal obligation to make me whole as to this order cancellation. 

Please note that as of date of filing this complaint, Paypal has forwarded the {$1000.00} to my bank account, minus the processing fees that give genesis to this submittal.
Product: Credit reporting or other personal consumer reports

Reviewed most recent credit report from Equifax and I noticed inquiries that did not belong to me. After reaching out to the creditors, I was advised they did not have a record on file of me ever applying for credit with their company. The creditor advised me to contact the CRA to have the inquiry disputed and investigated as they do not have the ability to do so. After contacting the CRA I was meant with push-back even though I expressed the inquires in questions did not belong to me and the creditors agreed the inquiries are not attached to any file or application they have with my personal accurate information. Per 15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.
Product: Money transfer, virtual currency, or money service

Date : XX/XX/2023 Amount : {$610.00} Company : PayPal XXXX : Made an unauthorized charge on my bank account and made me pay at an unfavorable exchange rate. 

I have attached a letter describing my complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the accounts : XXXX - XXXX XXXX  XXXX Open Date XX/XX/2015 Balance : {$2500.00}, XXXX - XXXX XXXX  XXXX Open Date XX/XX/2015 Balance : {$2700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Have XXXX accounts that show as late and closed. This is incorrect
Product: Payday loan, title loan, or personal loan

I was offer a loan for US {$5000.00} ; gave to this so call bank US {$600.00}. 

Never got the loan and now they hang up the phone on me when I call them. 

I know, I have been scammed and probably never get my money back, but I would like to protect others from this kind of scam. 

Hi XXXX! 

Good day and Congratulations!! 

It is our pleasure to inform you that the loan application we received from a partner online lender was processed and approved for a personal unsecured loan of {$5000.00} with flat 3.4 % interest rate and flexible repayment options. Please refer to the simple table below for more details. 


Loan Approval Code XXXX Loan Amount {$5000.00} Total Payback {$5800.00} Monthly Installment {$98.00} Interest Rate 3.4 % Loan Term 60 Months As a financial business we are subjected to immediate but arbitrary audits by the US Federal Treasury Department. Your loan process was included in an audit and is now being monitored by the Internal Revenue Service. Being a Personal Unsecured Loan, we are now facing taxation for the loan amount and as a legal policy, you are required to shoulder a portion of this tax since the approved loan is on your name and will be deposited to your own bank account. 

Your responsibility on the tax amount is {$490.00}. Please be sure to settle this to complete the deposit prerequisites. 

Your insurance registration fee was processed through one of our  corporate partners and accordingly received. The insurance policy number was successfully generated and is now attached to your loan profile as an update. The {$150.00} designated fee amount corresponds to loan protection contract for your {$5000.00} personal unsecured loan. You are bound to get the same amount back along with the loan amount upon deposit, making a total of {$5100.00}. For any instance that the loan process is hindered or if any of our requirements may unfortunately not be met, YOU WILL STILL GET REGISTRATION FEE OF {$150.00} BACK. 

Our systems also reflect that you settled the company 's CLOSING FEE requirement. The closing fee is the consolidation of Origination, Processing, and Commitment Fees, making a total of {$350.00}. This was added to your profile as an update, making you eligible to be endorsed to the deposit process. This was supposed to get your loan process finalized, but since the audit was UNFORESEEN, the taxation needs to be settled first. 

Kindly coordinate with your designated accounting specialist XXXX XXXX by dialing the number at the bottom of this email to settle the taxation and finalize your loan requirements. Thank you. 


XXXX XXXX XXXX Manager, Accounting and Legal Dept. 
PNC Loans and Mortgage XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX ( XXXX ) XXXX - XXXX OTHER PHONE NUMBER : XXXX
Product: Debt collection

My father passed away  on XX/XX/2024. He had unsecured debt but left no estate assets with which to cover this debt. On XX/XX/2024, I notified the credit card company of his passing. I sent a certified letter with a copy of his death certificate and stated that there was no estate to pay his unsecured debt. I asked them not to contact us any further. Now they are calling, even though I asked them not to.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/2020, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, MERCEDES-BENZ FINANC add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorizatio n Proof that I personally initiated these inquiries. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting or other personal consumer reports

This creditor Capital One has violated my rights under 15 US 1681 section 602 states I have the right to privacy 15 USC 1681 section 6048 section 2 it also states a consumer reporting agency can not furnish account without my written instructions under 15 USC 1666B credit may not treat a payment on a credit card account under an open and consumer credit plan for any purpose.
Product: Student loan

On XX/XX/XXXX I wrote Fedloan because I had received an inaccurate PSLF tracking statement. I found multiple instances of basic arithmetic errors. After corresponding with Fedloan a few times, on XX/XX/XXXX, they agreed that an error had been made and that my PSLF tracking needed to be reviewed. In XX/XX/XXXX, I submitted my annual employment certification, but since the review had not been completed, I received another erroneous PSLF tracking statement. I continued to patiently wait for the review to be completed. I emailed Fedloan in XX/XX/XXXX and was told they still did not know when it would be done. I checked in with them again at the beginning of XX/XX/XXXX, they still have no idea when it will be completed. I do not think it is unreasonable to expect that blatant and extremely consequential errors in my account should be corrected in the span of a year. 

In the meantime, the Dept of Ed is updating how PSLF payments are counted and Fedloan will soon stop servicing student loans entirely. I am very concerned that when my loans are transferred to a new servicer my records should be up to date and accurate.

I need my PSLF tracking to be reviewed and accurately updated as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

debt collections are unknown and invalidated, bureaus in question are constantly reporting inquires and accounts that doesnt belong to me by any means. ive sent in letters to have this inaccurate data removed from my consumer report under the fcra and the fdcpa.my consumer laws have been breached and violated by XXXX, transunion, XXXX pursutant 15 usc 1692, and 15 usc 1681
Product: Debt collection

On the XXXX of XX/XX/XXXX we received a letter from Apply Recovery service about a debt that they are claiming that we owe XXXX of a debt we never took out. My husband 's father and him self have over the years when he was alive have had each other 's credit history listed under their SS #. We never had a credit card from XXXXXX/XX/XXXX back in XXXX and never paid on it over the next five years that they are claiming. We have spoke to the company on the XXXX of XXXX and the XXXX of XXXX and they said well your name is on it then you have to pay it. Explained to them that this is possibly my father 's in law account and he passed away back in XXXX. What do we do next????