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

On XX/XX/XXXX, XXXX XXXX XXXX XXXX sent me the Transaction History Report that I requested from them a few weeks prior. I requested the report because I believed there existed errors in the balance shown on my credit report, and in the letters they were sending to me in attempts to settle the account for my repossessed XXXX XXXX XXXX ( repossessed in XXXX of XXXX ). After reviewing the account transaction history for the first few payments on the loan ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ), I noticed that the amounts I was charged for interest was too high. Additionally, there was a random fee of {$7.00} for the month of XX/XX/XXXX. The customer service representative who I spoke with for more than XXXX hour was unable to explain to me the reason for that fee or other codes and extraneous fees on the Transaction History Report. 

She stated that I was going to be speaking with the 'President ' of her department, but she refused to specify the unit within XXXX XXXX that this 'President ' would be representing. Needless to say, I was never able to speak with that person, although I was on hold for an extended period of time.
Product: Credit reporting or other personal consumer reports

Block was put on my report & I never ask to have a block placed
Product: Mortgage

I was approved for a loan modification in XXXX of XXXX the following month my servicer transferred my loan to another servicer, Ocwen was my servicer then transferred to PHH mortgage servicing, I guess they are the same company now..I was sent my modification trial agreement I signed it and sent it back, my first payment was XX/XX/XXXX, I received a letter that they can not take my payment until my new servicer can verify amounts so I called to verify this and they told me to try back in a week I did still not verified so another week same thing another week same thing, finally last days of XXXX they took a payment. Then in XXXX I wanted to make a double payment to complete my modification trial and get my mortgage current, I called to do this and customer service told me no more payments needed at this time loan trial is complete, so I was told to wait for further instructions by mail I received a executed completed loan mod packet with my new modified payment which I signed and sent back ..my new payment was to be due XX/XX/XXXX so when I called to make my payment they said I defaulted on my loan trial arrangement so my modification is not approved, but they did take a payment from me over the phone which my bank processed, then they told me my next payment needed to be sent by mail only which I did and the lost it therefore still leaving me in Limbo still. They agreed with me by phone it was there error and had me send back mod payments for about XXXX and they would reverse the modification denial so I did this was XXXX XXXX so I waited for there decision after appointment and appointment still no resolution, so in XXXX of this year still no reversal of denial so the modification Dept. requested another amount of XXXX which I sent certified funds so on XX/XX/XXXX I was told by phone my denial reversal is denied which I feel this is giving exceleration to forclosure sale upper hand. I have all my documents to include, including cashier checks and completed loan mod agreement which they agreed I was giving the wrong direction..please help me just have them honor the agreed modification otherwise during this covid era my family will have no place to live because of a forclosure pending sale process..thank you
Product: Mortgage

This information within this complaint is new and material evidence : As to complaints #  XXXX , and #  XXXX , your answers to the CFPB, a Federal agency, you answered complaint, by stating  XXXX  reviewed the payment reconciliation and determined a payment of {$6900.00} was received on  XXXX   XXXX ,  XXXX . This payment was applied as the  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX , and   XXXX   XXXX    monthly payments of {$1100.00} each. The next payment we received after the above application was on  XXXX   XXXX ,  XXXX , for {$1100.00}, and was applied as the   XXXX   XXXX    monthly payment.     According to documentation I received, from the  XXXX  of Pennsylvania  (  please view attached ), there are major discrepancies, in regards to the amount of monies dispersed, in comparison to your actual documentation. The amount paid to you, from the PA  XXXX   XXXX   XXXX , was {$6600.00} (  XXXX ,   XXXX   XXXX  , and  XXXX   XXXX   XXXX   ). This hereby means there is a missing payment of at least {$280.00} (   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  . Please compare my included attachments with your previously sworn statement to the CFPB, an agency of th e US G overnment.
Product: Credit reporting or other personal consumer reports

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

Account Name XXXX XXXX Account Number XXXX Account Balance {$2000.00} Account Name XXXX XXXX XXXX  Account Number XXXX Account Balance {$19000.00} Account Name XXXX Account Number XXXX Account Balance {$140000.00} Account Name XXXX XXXX XXXX Account Number XXXX Account Balance {$38.00} 15 U.S.C. 1681 section 602 A. States I have the right to privacy, 15 U.S.C. 1681 section 604 A. States a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C. 1681C. ( a ) ( 5 ). States no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the listed account in my credit profile which appears to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will violate the Fair Credit Reporting Act XXXX XXXX XXXX XXXXXXXX Balance : {$7900.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

i was taken advantage of while several policies were broken according to the FCRA. 


XXXX XXXX XXXX  XXXX  Account # XXXX Date Opened XX/XX/2019 Balance {$1000.00} XXXX XXXX XXXX XXXX, DEXXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have furnished TransUnion with my identification documents : ( birth certificate, passport, gas bill, and social security card. ) I have presented this information in every correspondence I have sent this corporation since XX/XX/2021. TransUnion just sent me a letter dated XX/XX/2021 but not postmarked until XX/XX/XXXX, that they can not process my request because their corporation doe not have my documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am denied every time I ask for a loan or credit card increase. I received a few letters that explained why and yesterday, I received one that mentioned " key factors that adversely affected your credit score. '' - SSN LIKELY INVALID - LACK OF HISTORY AT THIS ADDRESS - LACK OF HISTORY AT THIS PHONE - INQUIRIES DID ADVERSELY IMPACT SCORE with XXXX. 

Today I received another one that gave me a credit score of XXXX with XXXX. 
This is impossible and shocking. 

I called each reporting agency, and nobody could help me, as always. When the subject of the call is about your three-digit score number, we always receive the same answer from all credit bureaus ; " I don't know why sir, because it's an algorithm, so we do not have a control over your credit score '' or " I have no access your credit score, you need to pay {$990.00} to have it. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon an annual credit report review, I noticed 1 potentially negative item reporting on my Experian credit report for XXXX XXXX XXXX  Michigan XXXX XXXX XXXX. I have tried to dispute the item multiple times without success. My case/ order of support was issued XX/XX/15. An individual does not walk out of court with an account, automatic payment plan, Payment booklet, etc. The XXXX has to set up an account in XXXX / XXXX, XXXX XXXX XXXX XXXX XXXX XXXX is SLOW. I did not receive a pmt request until XXXX 2015 via mail, at which I paid the balance ; consequently, this organization was already in the process of contacting employer at the time to set up a wage garnishment. This is standard practice for all accounts. I was never given the opportunity to pay. This account will be 7 years old XX/XX/15. This was never a collection ; the balance is calculated based on a support formula that bills in areas for time in court. On a second note, if this agency wishes to maintain a collection on my report where is the 7 years of positive payment history? If they refuse to delete, I would like all my payment history added to report. In addition, when I switched employers, I went into the system to initiate individual automatic payments. regardless their standard procedure when I start new employment is to send a negative wage garnishment to the new employer HR department. I find the process embarrassing and unbecoming. I have excellent credit and payment records. Garnishments are negative, individuals should be able to set up payroll deductions without this type of tactic As noted, I have tried to dispute with Experian, the online resource provides error codes whenever trying to attach documents.
Product: Student loan

XXXX XX/XX/2023, Financial Student Aid approved and letter was received XXXX XXXX. The agreement stated that the repayments were to start on XXXX XX/XX/2023 for the amount of {$180.00}. Mohela sent a bill on XXXX XXXX that stated that I was required to pay {$340.00} starting XXXX XX/XX/2023. I contacted Mohela on XXXX XXXX and received a callback due to high call volume at XXXX. I relayed my issue with the customer service agent and was subsequently transferred to another agent who related that they see the documents from FSA as well as the subsequent bill from Mohela on my account. The agent them related that I needed to reapply for an IDR which I refused and asked why the SAVE IDR agreement was not being honored. The agent refused to provide an explanation. I requested information in writing as to reason for the rejection of the FSA agreement. The agent placed me on hold and then returned stating that they will resubmit my IDR in their system and place my account on hold so that I do not have to pay the escalated amount in XXXX. I was also advised that my IDR from FSA may not be honored in the future. I advised the agent that this is possibly illegal practices and that as a servicer they are required to honor agreements from FSA and such threats should not be made. I advised agent that CFPB will be notified of this interaction as well as FSA and an ombudsman.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX Wells Fargo called me asking me to transfer money to cover my balance the amount of XXXX. Turned out to be a fraud call. I went right away to the bank to report it .closed the account and debit card. Re opened new account made a claim to bank for fraud and loss. XX/XX/XXXX they closed the claim saying it was authorized and no processing errors. I have been with this bank for over 30 years and they can see I have never done XXXX transfers from my account. I also have a mortgage with this bank.I am asking them to fix this error that occurred and to return my loss
Product: Checking or savings account

I HAVE BEEN A LOYAL CUSTOMER WITH BANK OF AMERICA SINCE I HAD A OPEN ACCOUNT THOUGH MY ACCOUNT DURING CERTAIN TIMES HAD BEEN HACKED STILL NO COMPLAINTS ALL OF SUDDEN I GETS A LETTER IN MAIL STATING MY ACCOUNT HAVE BEEN CLOSED WITHOUT ANY EXPLANATION SO I IMMEDIATELY NOTIFIED MY HR PAYROLL NOT TO SEND MY CHECK TO MY ACCOUNT BUT WAS TO LATE THEY INFORMED ME HR TO CONTACT BANK OF AMERICA WHICH I DID I WAS TOLD THE ACCOUNT WAS CLOSED AND IT WOULD DO NOTHING BUT REJECT MY DEPOSITS SO I INFORMED THE HR WHAT I HEARD SO HR AND MYSELF WAITED FOR XXXX MAYBE XXXX  DAYS STILL NOTHING AFTERWARDS I LEARNED FROM HR MY DEPOSIT FUNDS WAS STILL IN THEACCOUNTI IMMEDIATELYCONTACTED BANKOFAMERICAA SECONDEMPLOYEETOLD ME MYACCOUNTWAS CLOSED BUT OPENON THEIR END STILL.
Product: Credit reporting or other personal consumer reports

This loan was from a convenience check mailed in my Name, however my ex-husband opened the letter, signed my name, including my social security number included his contact information deposited the check online without my knowledge and did not not repay amount. Because he forged my signature and took out this loan in my name and used the funds, As per our divorce decree He is responsible for debt as it was his. 
If needed I am able to provide copy of divorce decree and check signed by him.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604a section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

We requested that they remove the late fees because I paid in full when I was living in CA, before moving to XXXX However, a few months later, they placed me with a collection agency for less than {$0.00}. Since then, I have been trying to have the late payments removed. 

I paid the {$0.00} and closed my account with them due to the trouble they caused. Despite my efforts to resolve the issue and pay the amount in question, they are still refusing to remove the late payments from my credit report.
Product: Mortgage

Our USDA mortgage is with BB & T Home Mortgage. We understood that we could have our COVID forbearance extended to 18 months due to the fact that we requested forbearance prior to XX/XX/2020. BB & T states this is only available for XXXX XXXX and XXXX XXXX mortgages and that our USDA mortgage does not qualify for the extra extension to 18 months. My husband was in the hospital for an extended amount of time due to COVID. We were hoping for the extra time to pay off the hospital bills before we resume paying our mortgage. I am very disappointed that they are not following what has been laid out.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been in contact with all three Credit Bureaus and Trans Union is the only one that refuses to follow the FCRA. I have been asking for validation of a public record being reported on my credit file that is maintained at TU and they constantly send stall letters. Initially they claim they could not assist as it appeared that I was using a " third party '' " credit clinic ''. Even if i was using a Credit repair company to assist with errors on my credit report, there is nothing within the FCRA that prohibits that. Most recently TU has responded that I needed to provide proof of my full social security number ( see attached ). This stall tactic is just another way that a multi-billion dollar company tries to take control of the community. 

Please hold TU accountable for their constant failure to follow federal regulations.
Product: Credit reporting, credit repair services, or other personal consumer reports

COAF hard pulled my credit 12 times since XX/XX/21 causing my score to go down dramatically. Four times in one day this seems excessive. I was looking for a car to buy and did not authorize them to keep pulling my credit everytime I just looked at a car on the website. I only authorized them to pull my credit once on XX/XX/21. They pulled it on theses following dates XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX the only time I authorized for this company to pull my credit.
Product: Credit card or prepaid card

I called Sears customer service line at XXXX, I needed to get my balance so the representative asked for my social security number I replied by saying that's strange normally if they ask it's usually the last four digits only but this person asked for the full number after I gave it to her she hung up. I called back told the new rep. what happened on my previous call and she said we don't ask for your full social security number are you sure you dialed the right number?, I said yes thr rep. acted confused so I asked for a Supervisor the rep. stated she would do her best to get someone to call me back but I remain very concerned because she asked if I had made a purchase and I have not today, when I asked if she saw a purchase she would not answer.XXXX XX/XX/2019 XXXX XXXX ( XXXX ) XXXX XXXX XXXX
Product: Checking or savings account

Union Bank does not process disputes. I don't hear anything and I have to keep calling.
Product: Credit reporting

Experian has not done the required due diligence in collecting valid notarized documents from collection agency XXXX XXXX to assure and prove a claimed debt collection belongs to me and provide accurate information on my credit report. Thus Experian is guilty and libel of defamation towards me by using fraudulent documents to calculate and negatively impact my XXXX credit score. Also when I sent Experian personal documents to validate my identity and current address, they shared these with XXXX XXXX without my permission and have thus compromised the security of my identity and put my personal well-being at risk. recently, it was determined that Experian has removed the fraudulent debt collection from my credit report but has not done the same with my wife 's ( XXXX XXXX XXXX ) credit report, which is very confusing being that the same process of deleting fraudulent information should apply to both of us!
Product: Credit reporting or other personal consumer reports

RE : XXXX  BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX. Listed below are the Personal Information that are being challenged Employer - XXXX XXXX XXXX XXXX XXXX Incorrect DOB : - XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX, XXXX, GA, XXXX Incorrect Name : - XXXX L XXXX Listed below are the Accounts that are being challenged XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX Listed below are the Inquiries that are being challenged XXXX - XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX - XXXX XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX XXXX XXXX. IF THE CONSUMER HAS PROVIDED XXXX  DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] XXXX XXXXXXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX  XXXX  ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Credit reporting or other personal consumer reports

I am reaching out to address a discrepancy regarding the reporting of my student loan account by XXXX. While XXXX itself reflects a balance of {$0.00}, this information has not been appropriately reported to the credit bureau. As a result, my credit reports continue to display an outstanding student loan balance. 
Despite successfully meeting all requirements of the Public Service Loan Forgiveness ( PSLF ) Program and having my loans forgiven, the failure to update my credit reports has led to ongoing confusion and potential repercussions for my credit score and financial standing. 

I urge the CFPB to investigate this matter and ensure that XXXX promptly updates its reporting to accurately reflect the forgiven status of my loans on all credit reports. It is crucial that this discrepancy be resolved to prevent any further negative impact on my credit profile. 

Thank you for your attention to this matter.
Product: Money transfer, virtual currency, or money service

on XX/XX/2021 {$250.00} was sent to an indidvual for " apartment deposit '' through venmo. Since moving out tof the property the deposit of {$250.00} has yet to been returned/refunded to my client. After signing the roommate release form, I then consulted with a tentant lawyer that practices in Utah. I have tried multiple times to receive these funds back -- by submitting a fraud report, contacting the indivdual to get the funds back but was told she had spent them and wouldnt be returning the funds. Venmo and this indidvual are making it BEYOND difficult to receive the funds that are owed to me. I will be submitting a police report and a law suit against venmo for their lack of protection with MANY transactions that I have been fraudlently charged.
Product: Debt collection

This CFPB compliant has been filed to request pursuant to FCRA 605B Under 15 USC 1681c-2c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within XXXX business days of receiving a complaint consisting of the information below XXXX {$520.00} XX/XX/XXXX XXXX {$380.00} XX/XX/XXXX XXXX {$400.00} XX/XX/XXXX These credit accounts and collections are the results of identity theft and fraud.
Product: Mortgage

On XXXX XXXX XXXX and XXXX XXXX XXXX and XXXX  years of age signed a mortgage servicing agreement with Quicken Loans ... ( and were given a deed to the property ) At the XXXX XXXX and XXXX XXXX in XXXX Oh ... Gave them a check for over XXXX be applied to closing cost ... In XXXX Dad passed away in XXXX ... From the beginning of the loan XXXX QL was charging us XXXX pr mon for taxes ... From the beginning of the FHA loan the taxes were not in alignment with the requirement of FHA ... XXXX XXXX still had his name on the deed as well and it was not transferred until XXXX of XXXX.We are not family to the XXXX ... which makes the sell null and void..because XXXX and XXXX XXXX had no knowledge of XXXX XXXX on the property regarding taxeXXXX until XXXX of XXXX ... When we became aware of the tax issue after the transfer of the property one and a half years later..we paid all the back taxes and we have document to to prove that ... On XXXX, XXXX XXXX all if this was reveal in Tax Document sent from the XXXX County OHio Treasures Office ... In XXXX we paid XXXX for an escrow shortage ... QL took all of the funds we placed in the tax account and then charged us for an escrow shortage ... The Mortgage according to FHA requirements were not in alignment with having someone else on the deed without our knowledge ... Therefore the contract is a fraud ... So QL took all of that..has been over charging us on a Fraudulent Mortgage ... Then when we paid 8 payments minus the taxes they kept all of that money and began an escrow account that would lead to us being in foreclosure in XXXX..They refused to discuss the tax issues with us ... I have letter we sent to prove that as well as hire an Attorney XXXX XXXX which they refuse to talk to ... No Wonder.. 
They never gave us credit for making the tax payments on a fraudulent mortgage..and have been deceiving FHA as well..