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

The information they are submitting is wrong XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX - {$350.00} this information is inaccurate - contacted office reporting wrong information XXXX XXXX $ XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX- this information is inaccurate - contacted office reporting wrong information XXXX - XX/XX/XXXX, XX/XX/XXXX {$1400.00} -this information is inaccurate - contacted office reporting wrong information XXXX - {$18000.00} XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX - information is incorrect - contacted office reporting wrong XXXX XXXX XXXXXXXX XXXX {$3000.00} XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX - information incorrect - contacted office reporting wrong
Product: Debt collection

Collection Agency MONTEREY FINANCIAL Original Creditor Name XXXX XXXX Date Assigned XXXXXXXX XXXX XXXX Original Amount Owed {$3100.00} Amount {$3600.00} Status Date XX/XX/XXXX  I have no knowledge of this account. The collection agencies above has not notified me of any activity in my name. Responsibility says joint. I have been single for 8 years! My personal information was compromised as notified by XXXX XXXX. I have a police report I will attach to this complaint.
Product: Credit card or prepaid card

XXXX XXXX Visa Prepaid card.I can not withdraw my funds.I called customer service on XXXX XXXX to get answers on why funds are on Hold.They keep telling me each day that I have to call back for a update.I have fax and e-mail all the documents but still get the same answer -- '' This is being sent to the another dept because my account was suspened ... I am XXXX XXXX XXXX and I live on my own.
Product: Checking or savings account

I filed a claim for charges on my account that I did not do. I gave every bit of info I could in detail and they denied my claim due to third-party charges. now Im completely broke and waited two weeks for them to refund me. Ive banked with Wells Fargo for so many years and the one time I have to dispute charges that I didnt do I cant get my money back
Product: Credit reporting or other personal consumer reports

RE : XXXX  BLOCK REQUEST To whom it XXXX concern, I am writing to advise that I am a XXXX XXXX XXXX The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX Incorrect Name : - XXXX XXXX XXXX Employer - XXXX Incorrect Name : - XXXX G XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX - XXXX. PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR 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 XXXX  IN PERSONS. IF THE CONSUMER HAS PROVIDED XXXX  DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] RIN XXXX 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 TO THIS MATTER!!
Product: Mortgage

We refinanced our from a construction loan to a conventional mortgage with HomeTown Lenders in XX/XX/, but were required to have an escrow holdback to complete work on the home that was weather-dependent. We completed this work in early XXXX when the weather and contractor 's schedules finally worked out. 

XXXX XXXX over servicing our mortgage and regular escrow accounts in XX/XX/ and are not involved with this issue as far as I know. 
XXXX XXXX XXXX Escrow specialist at Hometown Lenders , contacted us on XX/XX/XXXX. 
-We turned in certificate of completion for the escrow holdback on XX/XX/XXXX. 
XXXX XXXX XXXX request, we turned in paid-in-full invoice from contractor stating we do not owe him anything XX/XX/XXXX and the payout should be going to us. 
-The final inspection was taking too long so XXXX asked us for pictures showing completed paint and siding to release the check to us XX/XX/XXXX, I sent those promptly. 
XXXX said she requested funds to be sent and was going to have a check number for us on XX/XX/XXXX. 
-It appears that XXXX left the company XX/XX/XXXX and my file was dropped on XXXX XXXX XXXX desk, the VP of underwriting. 
-XXXX could not help me or get me an update on the status of our check all of XXXX, appears to have left the company as of XXXX XXXX as well. 
XXXX XX/XX/XXXX that inspector finally showed up to confirm the work was completed. 
XXXX XX/XX/XXXX XXXX emailed me the contact info of XXXX XXXX XXXX XXXX XXXX XXXX and CEO. 
-After no responses, I tried texting XXXX XXXX XXXX number on Thursday XX/XX/XXXX, he seemed responsive by asking for details but then radio silence since then. 
XXXX managed to contact XXXX XXXX XXXX Monday XX/XX/XXXX, who confirmed she is no longer employed by Hometown Lenders . She gave me the Chief Transaction Officer 's XXXX XXXX contact info. 
XXXX XXXX answered the phone, asked for some details to be sent to his email and said to contact him at the same time the next day ( XX/XX/XXXX ) XXXX XXXX or XXXX would answer the phone, text, or email yesterday XX/XX/XXXX All of the people I worked with to refinance my mortgage are no longer employed at the company and the management keeps referring me to each other. It appears to me that the lender is having serious issues and I would like my Escrow Holdback funds to be paid out.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report is showing late payments to XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditor 's customer service representative.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Who Can Help, I have sent in letters to Equifax regarding items that are wrong on my credit report in the attached documents I have dates showing the negligence of their company. it has been well over 30 days I need answers.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XX/XX/2024 XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir/Madam, I am writing to dispute owing any and all debts to Professional Debt Mediation. I am requesting debt validation. I am requesting the purchase agreement between Professional Debt Mediation and the original creditor XXXX XXXX XXXX. I am requesting proof that Professional Debt Mediation Is licensed and bonded. 

I dispute this debt for the following reasons : 1. Collection agency has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet you placed a collection on my consumer report. 
2. I have not been given a chance to dispute account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) 3. Collection agency is violating my consumer rights by using false misleading, misrepresentation and deceptive means. 
4. Collection agency has no authority to furnish any account to a consumer reporting agencies without any and all disclosures required by law and you are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ) I am revoking all rights of Professional Debt Mediation communicating with me through email/text/calls. 

Sincerely, XXXX XXXX
Product: Debt collection

There are two accounts on my credit from XXXX  XXXX  XXXX in the amount of XXXX other in XXXX frontier is still taking actions with one account and then they sent the other account to easterns account. I spoken to someone on the phone numerous of times trying to understand why do I have so many accounts in my name with different bills and how can I even open up a account if I had amount due they stated that when I move I always get a new account I asked how when my account is supposed to be transferred? I sent frontier a letter on XXXX and they received the letter on XXXX someone by the name of XXXX XXXX received my certified mail along with my return receipt he signed for it Its been 30 days havent received anything then I wrote another letter on XXXX still havent received anything and today is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion was sent various letters regarding their investigation process and violations that appear on m personal credit report. Personal information was also erroneous and was updated only after requested. This includes wrong names, addresses, phone numbers, and open dates on accounts. Amounts owe on accounts were in error across all three credit bureaus. The status of accounts was incorrect as one account was closed and reopened as active. Transunion sent a stalling letter as a response to a letter sent to state how they verified the information in my personal credit. Currently, there has been no response to this letter. Letters were sent to XXXX and XXXX to address the investigative process according to the law
Product: Credit reporting, credit repair services, or other personal consumer reports

All 3 credit reporting agencies are reporting an account from XXXX XXXX XXXX that Ive disputed and asked to validate the debt on. 
I have asked them to provide the original contract with my signature on it - the creditor could only provide me a fraudulent contract that had Copy stamped on it with the words e-signature on the contract. This fraudulent piece of information had on it information that I never provided the company nor would I have signed including # of car payments and # of mortgage payments I had left to pay - this company pulled my credit report and tried to create a contract to submit for validation because I requested it. The credit reporting agencies are supposed to protect me and do the due diligence needed to detect fraud and in this case have not done so. I have numerous complaints written to them including XX/XX/XXXX and XX/XX/XXXX. I would also like XXXX XXXX XXXX investigated as they DEFINITELY are breaking the law and even tried to sue me based off of this same fraudulent contract - and the judge threw it out. I understand that I can only complain about 3 companies at a time on this complaint.

I sincerely ask for your assistance in figuring out what the credit agencies have done about this as well as how XXXX XXXX XXXX keeps its records and reports its debts. 

Thank you.
Product: Credit card or prepaid card

First Progress credit card company of XXXX XXXX, XXXX XXXX. Has denied my request for billing Statements for my secured credit card Acct. An any financial correspondence sent to my billing Address. That request was denied which leads up to my inability to dispute or to lodge legitimate disputes based on Written financial correspondence. My acct was Closed for over a year FIRST PROGRESS never notified me of Acct closure. Nor will they provide me with any letters that they sent notifying me of My ACCT CLOSURE. On or around the XXXX XX/XX/2022, I tried to close my acct which was already closed! So I could get my security deposit back.Customer service agent said it would be a few weeks before refund check would arrive.On XX/XX/2022 I received a FIRST PROGRESS CREDIT CARD in the mail. Called to find out why they sent me a card? They said I requested My Acct to be opened! But As I stated I asked them to CLOSE the acct. Now they refuse to provide me with any correspondence where I asked for them to open my Acct.. Furthermore they want provide no correspondence on any activity on my acct by me or FIRST PROGRESS.. They refuse to show me where I said open up my CLOSED ACCT. They Also deny not knowing what CUSTOMER SERVICE REP MADE CHANGES OR VIEWED MY ACCT ON or around THE XXXX XX/XX/2022. Someone opened up my Acct without my Approval. Now they wont EXPEDITE my refund after my acct has been closed for over a year without any correspondence from First Progress on said matter.
Product: Student loan

I have made 120 qualifying payments in my student loans. My prior servicer ( XXXX  ) placed me in forbearance on three occasions because they couldn't process an IDR payment within a month. 

I was ready willing and able to make those payments and tried multiple times to have them corrected. Mohela has also not worked with me to correct those missing payments. 

I have been working for the federal government since XX/XX/2013 and have never missed a payment. My loans should be forgiven. Mohela is telling me that I need to make 4 additional payments at a much larger amount. This is wrong according to department of education rules and I should already have my loans forgiven now. I submitted PLSF certifications multiple times. I also submitted a department of education complaint and heard nothing.
Product: Debt collection

Credit card was not authorized to be open. I am asking for proof that XXXX XXXX owns this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

After numerous conversations to call my mortgage servicer Lakeview servicing I was told I need to submit a credit dispute to remove mortgage lates on my account. When I went i to forbearance due to covid after seeing a decrease in income, I was told by the customer service rep that my mortgage would not report as late. Unfortunately Ive seen 6 mortgage lates on my credit report. On XX/XX/25 I spoke to an XXXX in credit dispute dept and he confirmed that lates should not be reporting. The mortgage lates have cause my credit score to unfortunately tank into the XXXX. Lakeview has been very slow in their response, lack timely communication, and Ive even been hung up on with no call back to resolve my complaint.
Product: Checking or savings account

I made an ATM deposit on Monday XX/XX/XXXX around XXXX PM at a ATM machine located in front of the bank and deposited {$300.00}, 6 {$50.00} bills and the drawer took the money and did not count it and keep timing and timing out. I saw a banker coming out and I asked him is there something going on with his ATM, he went inside and got another bank her to come out because I think he was going to lunch the other banker came out to assist. He saw the machine was just Spinning and spinning, and then he pushed return card and pull my card out and gave it back to me and told me I had to file a claim because I told him I put money in the drawer and its not processing and its not going any further so we filed a claim and the bank kept putting me off saying I need 10 days and then I got an email they were sending a letter so I called the number on the email and the lady told me that they are closing the claim and that they dont see any errors now they have cameras and they should be able to see that I was there and made a deposit that day and I just dont appreciate it taking this long. Ive been with the banks long time, theyll just take my money and not believe my word I would like my money deposit credited to my account.
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 XXXX 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 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 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

My student loan was forgiven. Originally amount was {$260000.00} now its {$11000.00}. Experian and all credit reports keep showing a balance of {$110000.00}, when its supposed to be {$11000.00} total. 

I filed a dispute with credit bureaus I contacted XXXX whos servicing my loan and confirmed my balance. 

I checked FASFA who also confirmed my balance.

This is wrong and hurting my credit score
Product: Checking or savings account

On XXXX XXXX 2017 at XXXX, I deposited {$1200.00} into the ATM machine of Flagstar bank in XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX XXXX , MI XXXX - in an effort to make a deposit into my account.
The machine said there was an error and returned my card and none of my cash back to me.
The machine was then placed unavailable and the screen said it was down.
I went into the branch office and told them what happened, they said they would call me at some point when the ATM technicians arrive to fix the problem.
I got no official paperwork verifying this complaint.
My account shows no deposit into my account in reference to this attempt to deposit cash at the ATM machine.
My checking account number is XXXX In a phone call where I complained about this to Flagstar bank the customer service agent gave me Reference number of XXXX  with respect to the phone call.
I made 4 deposits, XXXX XXXX dollar bills XXXX XXXX dollar bills XXXX XXXX dollar bills and then : XXXX XXXX  hundred bill, XXXX XXXX dollar bills, XXXX XXXX dollar bills, XXXX XXXX dollar bill It 's when I made that 4th deposit that the machine seemed to get stuck.
When I went into the branch office, one employee said, the machine says bill is jammed.
Product: Student loan

I currently have a student loan that is being serviced by Fed Loan. Upon receiving notification that the loan was due, I immediately filed for a forebearance, which was granted. I recently looked at my credit report and noticed that Fed Loan had reported my account as being late for 120 days. This is untrue because when I received notice that my loan was due I immediately requested a forebearance. If I had already began making payments and then started making late payments then I could see late payment entry being reported to the credit bureaus. I never received any bills stating that I was late or in default.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I received a notification from XXXX XXXX that according to my XXXX credit report someone added me as an authorized user to their JPMCB CARD. I never authorized anyone to add me as an authorized user for any credit card. I attempted to resolve the issue with JP Morgan Chase ; however, was transferred to four different people all claiming they could not assist me. I made another attempt today and was kept on hold until the department I was trying to reach was closed. I am trying to get myself taken off some stranger 's account before my own credit becomes affected. I also attempted to file a dispute with XXXX but I keep receiving a message that their system is down. I reached out to XXXX XXXX but was told they are experiencing high volumes.
Product: Checking or savings account

Between XX/XX/XXXX and XX/XX/XXXX there were 12 unauthorized withdrawals from our Wells Fargo business checking account. All were drawn by XXXX XXXX and tagged with the name of an individual in the transaction details. None of these were authorized transactions. The individual identified with the transactions is a former employee who separated from our company before the first transaction occurred. 

I contacted XXXX  XXXX in XXXX, XXXX when I noticed the first transactions and was told that the XXXX  XXXX account that originated the withdrawals did not belong to me or my business and that they could do nothing about it for me or give me any more information than I already had. I was advised that only Wells Fargo Bank could help me. 

I called the Wells Fargo Fraud Department on XX/XX/XXXX and was advised that there was little the bank could do but put a stop payment order on my account. I was told I had responded promptly and there would be an investigation of my claim and I should expect a refund soon of the amounts that were withdrawn improperly. On XX/XX/XXXX I called again to report additional unauthorized charges. They put another stop payment order on the account. I called on XX/XX/XXXX to report an additional charge and an new stop payment order was put on the account. I was told the original claim was still under investigation and I was given a new claim number. On XX/XX/XXXX I called to report a XXXX  unauthorized withdrawal. In that call I was informed that the claims I had filed were denied because I had not responded withing 24 hours of the transactions. Outside of that window Wells Fargo denies any claim as a matter of policy, I was informed. A new stop payment was put on the account. 

The total amount withdrawn over the 12 transactions without our consent is {$3000.00}. 

As far as we are aware the only payment that has been blocked by Wells Fargo 's stop payment orders was our own attempt in early XXXX to pay the balance on our own XXXX XXXX business card.
Product: Credit reporting, credit repair services, or other personal consumer reports

Asked for the Method of verification on the negative accounts XX/XX/XXXX. I needed names of people they talked to, phone numbers, a description of the procedures they used to verify the accounts any type of paperwork sent to them to verify the accounts being correct. They sent a copy of a credit report dated XX/XX/XXXX report # XXXX and XX/XX/XXXX report # XXXX for the Method of verification. They did not do an investigation of the disputes. I have sent previous disputes by mail to the company with factual disputes and all i get back is unchanged from possessing the dispute. The date of status has not changed even though they processed my disputes just last month. Theses Accounts do not meet FCRA requirements. They have inaccurate dates and incomplete payment history as well as inaccurate account numbers, date of status dosent change when disputed, some 2 3 and 4 years, accounts transferred or sold to another company and still reporting a balance and or a past due.
Product: Debt collection

They keep on sending me a notice out on an old loan debt past 7 year period!!!
Product: Vehicle loan or lease

Mercedes-Benz Financial Services has been charging me monthly late fees of {$50.00} even though it is admitted that I never received the monthly statement. When I have called Mercedes-Benz Financial Services , they have assured me that they would remove the late fee. Yet, once again, this month I did not receive the statement. So I called Mercedes-Benz Financial Services and was told that ( 1 ) the late fee promised to be removed would not be removed, ( 2 ) that it is not the responsibility of Mercedes-Benz Financial Services to ensure that the bill reaches me ( they are the only company whose bills don't reach me, and ( 3 ) that Mercedes-Benz Financial Services can record my calls to Mercedes-Benz but I can not record their call .
Product: Credit reporting or other personal consumer reports

I was attempting to sign up for credit reporting agencies and kept hitting road blocks meanwhile it was difficult to get a hold of customer service.