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

Bank of America has furnished data to the credit bureaus that is inaccurate. Specifically Bank of America is reporting that I have a delinquency ( late payment ) for XX/XX/XXXX fro account ending in XXXX. I have been in constant communication with Bank of America. On multiple occasions, Bank of America advised that that the delinquency would be removed because the bank agreed that the data was inaccurate. On XX/XX/XXXX Bank of America sent me a letter advising that the credit report would be updated. That never happened. I hired a lawyer she wrote to the three bureaus requesting that they update credit reports to show no late payments. That also never happened. I have confirmed with Bank of America that their consumer dispute department agrees that I was never late on this account. Despite this Bank of America has failed to properly advise the three credit bureaus. 

The XX/XX/XXXX late payment data furnished by Bank of America is not accurate and must be corrected.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX/XXXX/204 XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year>
Product: Mortgage

In previous contact with our mortgage lender Beneficial/XXXX, we learned while attempting to Refinance to a lower rate with other lenders. This evidently put me in a tailspin with them because even after contact their CS Representatives and going through a series of questions name, address, ss #, loan #, date of birth, and any other question to verify my identity Beneficial still as of today wo n't give myself or County Recorder of Deeds, for the State of Missouri , County of XXXX, a lien release after they transferred then sold our mortgage paperwork to another XXXX. Whether they work with or are in each others pocket l ca n't seemingly get a square or complete response out of either that is similar or comparable to one another for example an accurate payoff of now our mortgage. A note to mention before selling off our mortgage paper work they did however raise my payments now XXXX dollars + each month, which the other lender has conflicting statements but also has kept the higher payment scale to base their findings for predatory lending practices just like predecessors. Those are their likenesses as being one of the same.
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX XXXX XXXX  ) was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 
15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXXXXXX XXXX XXXX XXXX ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filling this report because I was made aware of two accounts reporting on my credit that are not mine. The reason I even had my credit ran today XX/XX/20 is because I am trying to help my daughter get a home loan as her co-signer but when the loan officer ran my credit he told me there was an account from XXXX XXXX XXXX  XXXX anXXXX XXXX from XXXX XXXX XXXX reflecting badly on my credit and that I would not be able to co-sign. I did not open either of those accounts nor did I allow anyone to open them on my behalf ; I did not benefit anything from those accounts such as money, goods, services or any other benefit nor did I contribute to any payments that might have been made towards these debts. I have never applied for an account with these companies nor am I affiliated to them in any way. I have already filed a police report as well as a complaint with the Consumer Financial Protection Bureau regarding these unauthorized accounts.
Product: Checking or savings account

HI, I have had a BMO Alto Saving account ( XXXX ) since late XXXX XXXX. I do not have access to this account to verify the exact date. 
My main bank is XXXX XXXX XXXX ( XXXX ) and I had a savings account with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  I was awarded {$270000.00} in a divorce settlement. I had the money wired to my XXXX checking account ( XXXX ) on XX/XX/XXXX. I then transferred {$200000.00} to a XXXX XXXX  savings account ( XXXX ) on XX/XX/XXXX. 

In XX/XX/XXXX, XXXXXXXX XXXX lowered the interest rate so I transferred {$160000.00} to my existing BMO Alto savings ( XXXX ) on XX/XX/XXXX. 

On XX/XX/XXXX BMO sent test deposits to my XXXXXXXX XXXX account to verify my account so I can transfer money between accounts. On XXXX this was completed and verified by BMO. 

XX/XX/XXXX I transferred {$160000.00} from XXXX XXXX XXXX XXXX XXXX to BMO ( XXXX ) XX/XX/XXXX I received ask email stating my account is frozen due to a fraud alert. 

XX/XX/XXXX I spoke with BMO and was asked to send documents proving I own the 3 different accounts. I sent a XXXX statement showing wire transfer in of {$270000.00}, a statement showing the transfer from XXXX ( XXXX ) to XXXXXXXX XXXX XXXX  XXXX ) for {$200000.00}. A statement showing transfers from XXXX ( XXXX ) to BMO ( XXXX ) and a transaction log showing the transfer of {$160000.00} from XXXX XXXX  ( XXXX ) to BMO ( XXXX ) The monthly statement hadn't generated yet, the statements for XXXXXXXX XXXX XXXX XXXXXXXX ) generate on XX/XX/XXXX. I was later asked for this statement and a copy of my drivers license. I sent drivers license on XX/XX/XXXX, and the statement from XXXXXXXX XXXX  showing the transfer of {$160000.00} on XX/XX/XXXX ( generated XX/XX/XXXX ) I did receive an email on XX/XX/XXXX noting the relationship between BMO and myself was ended even though I advised BMO the statement they were looking for would be generated on XX/XX/XXXX and XXXX Bank sent it to me on XX/XX/XXXX and I sent it to BMO on XX/XX/XXXX. 

I have asked to speak with a supervisor multiple times, with the last time being XX/XX/XXXX, but I was denied every time I asked. 

I have been told by BMO fraud dept that my money was transferred back to XXXX XXXX to then find out it had not been transferred. I have been told all documents were received, then a week later BMO would ask for something else. I have complied with all demands. I appreciate the diligence in preventing fraud, but at this point it is very clear the money does belong to me. 

I have provided all required documents showing all XXXX accounts belong to me, yet BMO Alto is refusing to send me my over {$160000.00}. 

I am in financial hardship and need my money to catch up, please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX SOC SEC  # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; 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  XXXXXXXX XXXX  XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax continues to put a security freeze on my credit report without authorization. I called Equifax to resolve this issue today! The same person answers the phone each time. I thought this was resolve previously but it is happening again ... please with this issue! 

Thanks, Mr. XXXX
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance Owed : {$2200.00} XXXX  XXXX XXXXXXXX Original Creditor : XXXX XXXX  XXXX Balance Owed : {$13000.00XXXX 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 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX Balance {$XXXX} XXXX XXXX Balance {$XXXX} XXXX XXXX XXXX Balance {$XXXX} XXXX XXXX Balance {$XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance {$XXXX} XXXX  XXXX Balance {$XXXX} XXXX XX/XX/XXXXXXXX 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 XXXXXX/XX/XXXX
Product: Mortgage

The appraisal was paid for and the lender failed to render a final clear to close. Delays to the loan with no explanation after I delivered all requested documents.
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a data breach, which has resulted in fraudulent accounts and unauthorized inquiries being reported on my credit file. Pursuant to 15 USC 1681c- 2 ( a ) and FCRA 605 ( b ), I formally request that the following accounts and inquiries be immediately blocked and deleted from my credit report : Fraudulent Accounts : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

On XX/XX/2020, my external account for fund transfers named " XXXX XXXX '' was suspended. I called an agent at ( XXXX ) XXXX. After waiting for 30 minutes, the agent sent me a verification code via SMS to unblock the account. 

On XX/XX/2020, both of my external accounts names " XXXX XXXX   '' and " XXXX XXXX   joint '' are suspended again. I am again on hold for 30 minutes but no resolution in sight.
Product: Mortgage

I have telephone recording conversation when Ocwen Loan Servicing employees calling me several times harassing me threatening me with fraudulent seizer of my home I own and then me laughing at me before hanging up the phone. I would like the CFPB to listen to the recording. I have been brainstorming for a good new name for Ocwen Loan Servicing and its fraudulent foreclosures. Please dont change Ocwens future new name to the XXXX XXXX. Please name your fraudulent unorganized crime operation, Embezzlement, the pretender lender loan servicer because fraud-foreclosures is what we do.
Product: Money transfer, virtual currency, or money service

I a filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Debt collection

I was contacted by XXXX XXXX XXXX out of Georgia. They called to threaten me with legal action for a debt that was XXXX in bankruptcy XXXX ago. 
They have contacted me in the past and I sent the discharge information. However they continue harassment it seems every year they circle back to try to reopen this case.
Product: Student loan

Good morning, In XXXX 2014 I had a loan balance of {$40000.00} and payment of {$200.00} that qualified for the PSLF as I am a public service employee in a low income XXXX. I then went back to school and added {$18000.00} worth of loans to my balance. The loan servicing organization is how claiming my payment has to be at least $ XXXX to qualify for the PSLF. This does not make sense because my loan balance is only increased by 31 % so why does n't my payment correspond? I should be making a payment of no more than {$260.00}. I have told them I only have $ XXXX but I can scrape together the {$260.00} if I must. However, they are ignoring me and not helping me resolve this problem. They just keep insisting that I have to pay $ XXXX or I ca n't be on the PSLF. I believe they are doing this on purpose because they have realized I will have a large balance of my loans forgiven through the PSLF and they do n't want to lose that money. Additionally I have asked if I can just pay on one loan and defer the other one but still let it qualify for the PSLF but again they are ignoring me and not telling me if that is possible or how to do it. 

I am at a loss here. I want to pay my loans but I only have $ XXXX and they say if I only pay that much I will default. I do n't know what to do. Can you please help me? I do n't want to default but I do n't have any more money and I need to be part of the PSLF. 

Please help if you can. 

Thank you! 
XXXX XXXX P.S. I have documentation of all of my correspondence with PHEAA and the Ombudsman but it is A LOT!!! I attached a summary but if there is anything else you need I do have it, just let me know.
Product: Credit reporting, credit repair services, or other personal consumer reports

cfpb I'm asking your company to Take action on Transunion due to Fraud On my credit report on XX/XX/19 and XX/XX/19 I recieved letters from Transunion claiming that a XXXX  accout XXXX was deleted from my credit file after reviewing my credit report closely I noticed that Transunion had made up a different account number with the same creditor and took that information and reporting false info on a different account number this is a violation and fraud I have contacted a lawyer to discuss a lawsuit this is Just not right. Since Transunion is doing fraudulent activities I'm really concerned about this matter CFPB Please Look into this matter very serious! cfpb please look at the account number that they sent out to me saying the account was deleted and Look at XXXX report with the same account number. and now look at the account that transunion has made up and transferred info to a bogus account number i just CAN NOT BELIEVE THIS MY XXXX  Since I have seen this I'm going to excercise my rights On FCRA 609 I Want and need everything down to the consumer contract the law is very clear Disclosures to consumers [ 15 U.S.C. 1681g ] ( a  ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : ( 1 )  All information in the consumers file at the time of the request except that -- ( A ) if the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and I just CAN NOT BELIEVE A COMPANY WOULD SO SUCH A THING I SWEAR ON MY KIDS LIFE A LAWSUIT IS COMING I PROMISE YOU THIS IS NOTHING BUT FRAUD
Product: Mortgage

Shellpoint Mortgage Servicing had placed on my statement date, XX/XX/2019 the 'new ' loan servicer added an unnecessary, unexplained XXXX appraisal cost of {$99.00}. They refuse to remove it and have no legal right to add the additional, unqualified {$99.00} appraisal cost to my loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. 
This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXXXXXX  Account number : XXXX XXXX XXXXXXXX Account number : XXXX The reporting of these account ( s ) is/are violations of 15 USC 1681, and the Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
This makes your social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. 
So, with that being said, with great power comes great responsibilities. It's really up to you how you want to use this information.
Product: Mortgage

We have a HAMP mortgage since XX/XX/XXXX. It was with XXXX and sold or taken over by Ocwen Servicing when XXXX went out of business. Ocwen is a debt collection agency ; however, we have never been late on our mortgage payments.Whenever we contact Ocwen they treat us like we are delinquent in our payments, regardless of our excellent payment history. 
We have tried a couple of times to get information from Ocwen about the terms of our HAMP loan. We want to know why we did n't get paid {$5000.00} after the first 5 years for an incentive offered by HUD for HAMP loans. There is also supposed to be another {$5000.00} incentive after the 6th year as well as the opportunity to reamortorize our loan. We ca n't get Ocwen to explain anything to us about these incentives or tell us why we did n't get the {$5000.00} when we completed year XXXX on XX/XX/XXXX. They tell us we need an appointment with a representative but they ca n't get us an appointment and do n't call us back. An escalation manager on our call today told us he can call us back in a week to get us an appointment with a representative. This is the same answer we received 3 months ago from them and no one ever called us back. If they service our loan why ca n't they tell us anything about it? Are they getting paid for servicing our loan? This is unacceptable and we 're stuck with this company that is a debt collector not a mortgage company and has awful customer service.
Product: Bank account or service

I went to citibank branch to open new fixed deposit account. 
Citibank officer asked me how much I need to deposit and I said {$5000.00}. 
Citibank office asked me to submit the paper application along with the required documentation such as address proof, Photo ID along with the check of {$5000.00} in my name. 
I gave all the papers and the check ( payee to myself ) for {$5000.00}. 

Citibank officer told that the process is to first open the account and then will deposit the check in the new opened account. 
It is now more than 2 months and account has not been opened and citibank customer rep didnt know where the money went. They cashed the check within 2 days after submitting to the bank and now refusing to give the money back as they have no idea where the check went. 
After repeatedly contacting them several times, I think it is possible that they do n't want to open the account and also do n't want to refund the money. 
Hence, I have no other option other than filling the complaint. 

The check and the papers were given to citibank officer and she also is no longer the company that surprises me. 
Date of visit to citibank branch : XXXX XXXX 2016. 
Check cashed on XXXX XXXX 2016. 
Check was given in the name of XXXX XXXX Name of the bank issuing the check : XXXX XXXX XXXX. 
Account to opened in name of : XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Accessed PayPal through XXXX XXXX XXXX website to make a large donation. With no reason whatsoever the payment was made to another charity altogether- XXXX XXXX XXXX. This is a {$5000.00} donation that was given to the wrong company- and it was PayPals fault entirely. As soon as the transaction was done and we saw it was to the wrong charity- we called and asked them to stop it. They could or would not. They opened a case but then denied it and left to us to contact charity to get money returned. Utterly frustrating and they have taken over payment for so many charities. I will never use them again.