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

I have been trying to resolve inaccurate credit reporting by Specialized Loan Servicing. They have corrected the comments on my credit reports but still show 120+ late payments for a property that I did not own during the reporting dates in XXXX and XXXX. 

I am in the process of refinancing my home loan and the late payments are affecting my loan. In the process I also found out that they filed a foreclosure on the property in late XXXX with my name and my wife 's listed on the documents. We were not the owners of this property ( See Attached Documents ). 

I have called this company on XXXX XXXX, XXXX @ XXXX, spoke to a representative who said this would be fixed XX/XX/XXXX. Called again on XXXX XXXX and XXXX. Each time put on hold for 30+ Minutes, told that I'm holding for the escalation department who never answers or told that someone will call me back. All contact ended with no results.
Product: Debt collection

This debt company sent the first coorespondence to me via email at my job and stated they were a debt collector. My work email is not owned by me but instead the company I work for and my assistant opens my email. The embarrashment was overwhelming. When I called and asked why they did n't call my cell or send a letter to my home they stated I gave the email address to verizon so they felt it was okay. By the way, the only reason verizon had my work email is because that is how they confirmed I was eligible for the discount. 

This practice is not at all right and needs to be addressed as it has caused me embarrasment.
Product: Mortgage

My servicer is United Wholesale Mortgage. I submitted a request for 180 days forbearance following requirements from SEC. 4022 of HR 748 ( aka Cares Act ) signed into law on XX/XX/2020. Under the law, the servicer must provide for forbearance up to 180 days unless REQUESTED to be shortened by borrower. I did NOT request a shorter forbearance timeframe. UWM said they are only granting 90 days in spite of the fact that that law specifically provides for 180 days. UWM is NOT following the provisions of the law as detailed. I have contact UWM 3 times and requested that they follow the law and grant me the 180 day forbearance provide by HR748. They have refused to do so with no just reason other than they are choosing to shorten the time to 90 days as a matter of process on their own choosing even though I, the borrower and not requesting them to do so. 

UWM is in direct violation of HR 748 as a servicer for federally back ( XXXX XXXX ) mortgage loans.
Product: Money transfer, virtual currency, or money service

The FDIC gave me this to file against Cashapp. I was scammed out of many thousands of dollars. I have documentation that says the scammer was working with the cashapp server. I was led to transfer money to cashapp then change to bitcoin and I was going to make a large return. Although I believe the scammer did the multiple transactions as me. I have filed with my bank, XXXX, Attorney General of Az. FDIC and FTC and adult protective services as i am a senior citizen. 
I called Cashapp XXXX different times. XXXX out of XXXX said they could not locate the old account as it was closed. I opened a new one in hopes of getting into my old account I think the scammer closed it. The fifth person was able to find my old account ( I opened a new one in hopes of getting into my old account and found the transactions. He asked if i did these for services or products. Thinking bitcoin I said products. He then said there was nothing else he could do and hung up. 
I was coerced by threat into sending the money by wire. Finding that is how the scam works to not be able to get my money back. 
There are many transactions. The first XXXX are part of our banks SCAM reports. 
Bank Date XX/XX/year> {$17000.00} and {$19000.00} XX/XX/year> {$8500.00} XX/XX/year> {$5000.00} {$2000.00} XX/XX/year> {$2000.00} {$1100.00} XX/XX/year> {$990.00} XX/XX/year> {$5000.00} XX/XX/year> {$990.00} {$980.00} {$970.00} {$960.00} I do not recall making multiple transactions in XXXX day XX/XX/year> {$1500.00} {$2000.00} XX/XX/year> {$990.00} {$980.00} {$150000.00} {$2000.00} {$1600.00} {$1900.00} again more than XXXX transaction in XXXX day XXXX of {$71000.00} Attached you will find the scammers contact phone numbers. They have been shut down. XXXX XXXX seems to be a popular name for a scammer
Product: Student loan

I have been getting threatening calls about a lawsuit for an amount I allegedly owe and have repeatedly asked for information to be mailed to me as I refuse to make any payments over the phone. The " legal representative '' from " XXXX XXXX XXXX '' on behalf of their client Wells Fargo has been nothing but rude to me and threatened that I would have my house taken from me in court over this! They have never sent me any bills in the mail to prove that I owe this alleged debt from over XXXX  years ago. I currently pay my XXXX student loans through the Department of Education so I have no idea what money they are trying to collect from me. The representatives refuse to tell me what this is for and tell me I am being sued. I have never received any paperwork in the mail from Wells Fargo or this " XXXX XXXX XXXX ''. They are telling me I am being sued and that I will be served some documents that I have to sign. I refuse to sign anything that I don't know about it.
Product: Credit card

I submitted a fraud claim in XXXX of XXXX and XXXX of XXXX. 

My fraud case numbers are : XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX Both cases have been deemed fraudulent. 

During the investigation period, I received email and letters telling me to make payments or else my credit score will be affected. I made multiple payments in person at a Macy 's store during the investigation period in the amount of {$650.00}. I have the receipts for those payments and those payments were posted on my Macy 's account. I received a check for around {$230.00} dollars in the mail when the fraud claims were deemed fraudulent. However, I have not received the remaining amount that I paid. I called in XXXX and again last week. I am still owed the remaining amount of payments I made during the investigation period.
Product: Student loan

In 2004, I took out a student loan through Key Bank, for XXXX University. After XXXX getting a job, I made payments ( an occasional forbearance or college coursework default ) for about 4 years. Then, after losing a job and becoming late on some payments after XXXX, they suggested I put my loan in my last economic hardship forbearance around XXXX ( 6 months of no payment ) I agreed. The next month I got another bill. They said they back dated my forbearance and I still would need me to pay for the rest of the loan, monthly, starting the same month I applied for my forbearance. I knew I had been taken advantage of but could not do anything. They called reguarly for another month for money ( that I didnt have since being placed on unemployment ) and after not having a payment said they were going to charge it off, unless I came up with 10,000 dollars. They hit my credit report the whole time and have since then put the charge off date as late as possible to stay on my credit report as long as they can ( I diputed them and have to write each agency to update information ). The money I paid did n't account for anything, the last of my XXXX forbearances did not count and from the time they said it was charged off to the date on my credit report was wrong. For the past 2-3 years it has hurt my credit and will continue too, for XXXX more. I XXXX when I was XXXX, had XXXX okay job, from college, that did n't fit, now, I am XXXX, trying to be a XXXX, that at XXXX, will not have a chance at a house, business or car loan for at least a half of a decade!
Product: Credit reporting or other personal consumer reports

The CFPB complaints has been filed to request that Equifax, XXXX and XXXX block fraudulent and inaccurate information from my consumer credit report, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ). I am a victim of identity theft and fraud, and the following accounts and inquiries on my credit report were opened without my knowledge or consent. I am requesting that Equifax, XXXX, and XXXX block and remove the fraudulent information from my credit report within XXXX business days of receipt of this complaint, as required under federal law. The fraudulent accounts have resulted in the appearance of multiple fraudulent hard inquiries and late payment accounts on my consumer credit report. I do not recognize any of the aforementioned accounts, or inquiries. These Items were not opened, initiated, or authorized by me, and i assert that they are the direct result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I sent a request to Validate accounts by certified mail return receipt back on XX/XX/2023 to XXXX XXXX regarding XXXX different accounts. In addition on this date I also sent a request to XXXX XXXX XXXX XXXX to Validate an account. Also, I sent a Validation request on XX/XX/2023 to XXXX XXXX XXXX. Next on XX/XX/2023 I sent a validation request to XXXX XXXX XXXX. Lastly I sent a validation request to XXXX XXXX XXXX XXXX on XX/XX/2023. In each of these instances non of the creditors sent back validation. In accordance with federal law this constitutes the accounts as being INVALID. I then sent correspondence by certified mail return receipt to XXXX, Equifax, and XXXX to inform them that the accounts they are reporting are INVALID, and requested they remove the INVALID reporting of such accounts. I informed XXXX, Equifax XXXX XXXX XXXX to FCRA 15 USC 1681b ( 2 ) I never gave them my written permission or consent to continue to report INVALID accounts which constitutes violating my rights to privacy. I also informed XXXX, Equifax, & XXXX the continued reporting of these INVALID accounts also constitutes alleged Identity theft pursuant to FCRA 15 USC 1681c-2. Their willingness to continue to report these INVALID accounts XXXX, Equifax, & XXXX are in violation pursuant to FCRA 15 USC 1681 ( n ) will-full non compliance which gives me the right to sue {$1000.00} per violation. I have tried to resolve this amicably, I've sent proof of Invalidation, I've sent receipts of their violations however they continue to report these INVALID accounts.
Product: Checking or savings account

5/3 bank has frozen my funds of {$500.00} dollars or so after I opened an account online with them. They also locked me out of online access to this account. I made several payments from this account for bills and they are now bouncing back. They claim they want me to come in person to one of their branches to verify my identity with my social security card. The problem is the state I Iive in half of the year has no branches and I will not be in the state that does for several months. This bank did not ask for a copy of my social security card when I opened the account online. I need access to my funds to pay my bills. I am willing to send the bank a copy of my social security card via email, but they refuse to allow me to.
Product: Checking or savings account

I filed a complaint regarding a dispute from the company XXXX and navy federal has not refunded my money nor have they given me a temporary credit. I return the item to the company and provided navy federal with a tracking number. 
They verified the item was returned I want my money returned to my bank account immediately.
Product: Bank account or service

1. on XX/XX/2015 BOA charged me {$35.00} twice on a single {$12.00} order of checks! BOA must have waited until my bank account was low enough to charge XXXX dollars! 
2. On three separate occasions, BOA charged me {$35.00} twice for ONE transaction when paying my mortgage over the phone. being a couple of hundred dollars short of a {$1200.00} mort. payment plus the {$19.00} service fee,, BOA could have charged me for only the greater amount instead of both, totaling {$70.00} dollars for one transaction! 
XXXX. In the last three months, BOA collected over four hundred dollars in service fees! 
XXXX. The D.O.T. has taken their payments three times, without my consent bouncing, costing me XXXX dollars. I owe it so I ca n't say anything. Just another reason why I 'm low on funds. 
XXXX. I believe BOA computers are programed to their best interest, always greater in their best interest and not the consumer. 
I ASK the CFPB assist me in returning funds in the amount of {$140.00} from BOA for they have taken $ {$400.00} dollars knowing I receive around $ {$1000.00} electronicly in my checking account every week!!
Product: Checking or savings account

On XX/XX/XXXX, I came to Citizen Bank ( XXXX XXXX XXXX, XXXX, MA XXXX ) to open a Checking Account as I had received a promotion offer for. The promotion was for {$300.00} in exchange for a {$500.00} direct deposit within the first 60 days. On XX/XX/XXXX, my company deposited {$500.00} into my account, which should suffice. The clerk who helped me, XXXX XXXX ( XXXX ), reassured me that the {$300.00} will arrive around XX/XX/XXXX and that my Student Checking Account is eligible for this offer. I reached out to XXXX on XX/XX/XXXX and received no response. Currently, it is XX/XX/XXXX and I still have not received the money as advertised.
Product: Credit reporting, credit repair services, or other personal consumer reports

This conns account was originally removed in XX/XX/XXXX. It's been removed and put back numerous times which is shadowy the law. I've reported that the information being reported is incorrect. Experian keeps saying is verified. 
XXXX. The account says XXXX. Ordinal bal. Not true that last payment was XX/XX/XXXX. But reporting XX/XX/XXXX. Pay history is complete incorrect no payment reported XX/XX/XXXX which isn't true. They keep updating the bal and the status of the account. Why do you update the bal on a charged off account. What changed in the balance. This is fraud. I demand this account is removed from my consumer reports immediately. If they've written this account off for more than I owed using that against the law. They said I owed XXXX. But they wrote off over XXXX if they've been paid by the irs and the ain't is really written off then they've been paid in full and can't keep reporting paid account. If they've received a tax benefit for this account and is been paid it needs to report paid in full XXXX XXXX. That's tax fraud to write off more than the balance owed. Now if it's not been written off then it can't report as so correct? Well that goes against truth in lending reg z and is devalue my character. Will provide XXXX is the amount I financed. This company sells horrible cheap over priced products and or right lie on consumer reports. Well I'm making ag federal case it if it today. We will get to the bottom of this.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information being reported on my credit report regarding a charge-off. The account in question is listed as follows : Creditor Name : XXXXXXXX XXXX XXXX Account Number : XXXX Date of Charge-Off : XX/XX/year>XXXX  It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should only be reported once, corresponding to the date it was charged off. 
The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score. Additionally, the statute of limitations for reporting a charge-off is seven years from the date of the first delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper. 
I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide me with a confirmation of these corrections. 
Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX XXXX, are verifying that I XXXX XXXX XXXX is mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below.

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed
Product: Debt collection

I received a letter today XX/XX/XXXX from an Rausch Sturm attorney at law with my maiden name stating I owe {$13000.00} for XXXX XXXX XXXX. I have been married for 18 years and have not used my maiden name since XXXX. I dont remember using XXXX XXXX XXXX for anything financial prior to that or since I have been married. The letter states payments need to be made to XXXX XXXX XXXX. I have not called this company due to scams. I do not think this is legitimate as the Statue of Limitations would be in effect.
Product: Debt collection

I was a member of XXXX XXXX gym and went to the gym on XX/XX/2019, to cancel my membership. They completed a Cancellation form on that date with effective cancellation date of XX/XX/2019. I was billed on my XXXX credit card on XX/XX/XXXX, and XX/XX/2019, for {$19.00} each month. I contacted ABC Financial Services whose name appeared on my credit card statement. They asked for my identification and location of the club and the basis for my dispute of the charges. They put me on hold and then hung up. I then contacted XXXX and provided a copy of the cancellation agreement. XXXX gave me credit for both of the charges. I receive calls at least weekly from ABC Financial Services, which I have found out is a third party billing and collection company service for a large number of health clubs and gyms. I have not gotten them to stop calling. I called today to XXXX and talked with XXXX. She claimed I still owe {$38.00}. She stated that the cancellation form XXXX XXXX developed and signed was not valid and that I must send notice certified mail. As noted, I went in person and asked what do I need to do to cancel my membership and complied.
Product: Credit card

I paid off my balance and they then charged me XXXX. Paid the first XXXX off and then closed the account. They charged me again XXXX and when I called about the balance on XX/XX/year>XXXX  they told me my balance was XXXX and the account closed. Then on XX/XX/year>XXXX  I get a bill for XXXX dollars. When I called they said they had no record of me calling on XX/XX/year>. Im attaching my call log to show I called. I ended up having to pay XXXX for something that I shouldnt have had to pay.
Product: Debt collection

Im XXXX XXXX XXXX and received orders to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX prior to my lease being up in my apartment at the time. I worked with my landlord and provided them with my XXXX XXXX orders for the XXXX  ( gave at least 3 months notice ) and ensured the apartment was well taken care of the entirety of my residency there. I had renewed my lease once while I was there and loved it. Still, I moved out, gave them back my keys, bought a house in the new state I moved to, and everything was fine. About a year later I see theres a collection on my account and it says its from XXXX XXXX  my old apartment complex for XXXX XXXX I reached out directly to the complex because I had always been in good standing with my landlord, never caused issues, and kept my apartment nice. The receptionist basically gave me no information and just said to mail them a check for the XXXX and gave me their address. I said I wanted an itemized receipt of what this was for, Im not paying money I shouldnt owe. I paid my last months rent before moving out and turning in my keys as well as them doing a move out inspection. There was nothing noted for a whole year and nothing stated wrong at the move out inspection. I thoroughly cleaned the place and it was just me living there. Im an extremely clean and tidy person. They said it might be due to remodeling the apartmentI again said I wanted an itemized receipt and XXXX not paying this as thats unfair. I wasnt even sure I could dispute this. Was given no information other than a simple you have to pay this or else. At no point did they mention that disputing was an option, they just sent it directly to a collection company who I was never contacted my in the first place. I had to find the name from my credit report. They have never responded to any of my inquiries for what exactly ( itemized ) the debt is for not how or that could dispute. This just seems wrong and its ruining my credit and my life. I cant even apply for housing if I inevitably move because XXXX XXXX. I had to explain this due to my secret clearance as well and have been unable to renew a clearance. Ive lived in apartments for years before getting my current house where I now reside and I have never been delinquent with a landlord for rent or anything of the matter. Im at a loss on what to do to rectify this.