23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My mortgage company has given me the runaround concerning insurance loss drafts for four months now. I sent them a $ XXXX check from my insurance company for water damage repairs. I have two contractors. One to remove mold and one to replace duct work. The mold contractor finished their job two months ago. The duct work replacement begins mid XXXX. I have requested full payment for the mold contractor for two months now. The mortgage company suddenly had additional forms I had to submit that they did not send in the first packet of XXXX forms and threw up all kinds of roadblocks and delays imaginable until they finally agreed to pay the mold contractor. I received the checks today ; however, instead of providing full payment for the mold contractor, half of the mold contractor payment was provided and a third of the payment for the duct work contractor who does n't even start work until mid XXXX? All I wanted was full payment for my mold contractor that finished their job 2 months ago. The mortgage company is still holding $ XXXX for the duct work contractor. Who can help me?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XXXX XXXXXX/XX/XXXX -XXXX XXXX XX/XX/XXXX -XXXX XXXXXXXX BANK XXXX XXXX XXXX XXXXXX/XX/XXXX -XXXX XXXX XXXX XXXXXX/XX/XXXX -XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX NEGATIVE ACCOUNTS : -XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX BANK XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

Dear Equifax I noticed that you verified the account below : XXXX XXXX : Account number : XXXX, Bureau code is inconsistent between Bureaus. Past due needs to be updated, repaired or fixed. 

Because I dont know a lot about credit repair, I had my attorney friend review the letter I sent to your company and the letter you sent back. He told me that according to the FCRA, you have to tell me how you verified the account above. He went on to say that you have to let me know the name of the person that verified this account, their contact number, address, and the time that they were contacted to verify. 

He also stated that once I receive this information, he would like to review it. Please send ASAP. 

Thanks. 

CC : FTC, XXXX, CFPB
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I took a loan to buy a vehicle and in XXXX of the same year I had an accident and the car was lost after talking to the insurance company. I called the company to explain what had happened, at most companies what happens is they pause credit while you get insurance information, but here I didn't call them and they always gave me different information and even if I didn't have my vehicle if I had to make my car payments, in XXXX the company sent a check for the full value of what was owed, because the check had already been sent, so I called the company and told them I didn't want them to make a negative report. I called them on XX/XX/XXXX and what the person told me was that I did not have to pay that the check would arrive that same day and that from that day on I had 10 more days as the deadline for the check to arrive if on that day moment the check did not arrive there if I would have to pay the installments, then on XX/XX/XXXX the check arrived at their facilities and they cashed it the same day but on XX/XX/XXXX what they did was report to us My credit and that of my husband, since we were both in the loan, they affected my credit so much that it dropped more than XXXX points and I already filed a complaint but the answer they gave me has nothing to do with what I asked them what they said is that we spent more time knowing that they themselves told us that we had 10 more days to make the payment and that they were not going to report us and it is in a recorded call on XX/XX/XXXX XXXX
Product: Money transfer, virtual currency, or money service

I did file my tax jointly with my spouse, and we were expecting the first and second stimulus packages with the returns. I noticed an account number that was neither mine nor my wifes and I immediately brought it to the preparers attention, and he said he will sort it out immediately. I kept following up with the IRS for over XXXX months until I was told in XXXX that the refund had been paid way back in XXXX on the XXXX and XXXX, to a bank named XXXX Bank in XXXX XXXX. I was given the details and I obtained the Banks phone number and gave them a call. After so many attempts, I was told they had transferred what was due me to Bank of America, to the same account the prepare had used which was none of ours, and which he said he would correct. I immediately went to Bank of America with this information, and it was confirmed. To my shock and horror, I was informed by the Bank that the XXXX Stimulus package for myself, my wife and my son was also paid into this incorrect account. The monthly Child tax credits were also being paid into this same account. I requested XXXX Bank make a recall of the transfers and they confirmed that they had done that on the XXXX of XX/XX/XXXX. I went back and forth to Bank of America XXXX times and almost every time I was kept on the phone speaking to numerous staff but every time I was told they would get in touch with the account holder to get the funds out of his account since they can not pull it out of his account. I did find out the wrong beneficiary account holder 's name, phone number other details and gave the same to the Bank of America. Later in XXXX, I got a check in the mail for {$490.00} ( The sum for XXXX of the payments ) and XXXX Bank confirmed that Bank of America reversed only XXXX of the XXXX transactions. In total there were XXXX checks totaling about {$15000.00}, all XXXX stimulus packages for my son, my wife, and myself inclusive. I spoke to the IRS and I was told that the cheque would have been returned if the name and account numbers do not match. All efforts to get Bank of America to contact their customer XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, have not been forthcoming. Bank of America promised to get back to me when they get in touch with their customer but I have not heard anything from them since XX/XX/XXXX. My account no is XXXX with Routing number XXXX.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report. To my Surprise, you are reporting this account incorrectly. This collection account is reporting not only as OPEN, but also shows a past due balance of {$1600.00}. According to FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion. 
XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

My account has been restricted since XX/XX/year>. I patiently waited and ask for gelo but no response. They said I will get a response on a date but then they push it back. There is nobody thet can help. I lost money and cant even withdraw my money from the app.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it May Concern : Recently I viewed my credit reports and realized that there was a derogatory account reporting on TransUnion and XXXX. I have no recollection of ever opening this account and believe it to have been opened fraudulently under my name. 

I do have, and am very happy with, an open account with XXXX . My only concern is the account that appears to have been opened in XX/XX/2017.
Product: Mortgage

My mortgage company, Ocwen ( insurance dept XXXX ) is requiring a new coverage - condominium unit owner- for my townhome. This coverage, based on Ocwen 's rep is for interior walls of my townhome. I had faxed and uploaded the policy document since last year which included " interior walls-excluding improvements '' coverage. However, now I am being told I need to have " interior walls- with improvements ''. When I inquire where the " with improvements '' requirement is based on, I am told it 's based on Ocwen policy. My current mortgage has been in place for about 10 years and Ocwen is about XXXX company the account has been sold/transfer to. I never signed anything directly with Ocwen nor chose this company. For months I had been stressing, calling Ocwen multiple times, faxing and uploading documents without resolution. Everytime I call I get different response from Ocwen reps varying from the coverage expired, it was never included on the policy. And when I confirmed with the insurance company the interior walls are included on the policy, Ocwen changed their position that it needs to include walls with improvements. I have never done improvements nor plan to do any on my home. Ocwen is threatening to purchase a very costly policy of {$1700.00} for the technicality of adding " interior walls with improvements '' vs. " interior walls excluding improvements ''.
Product: Debt collection

I don't recall having a contractual relationship with this collection company NCB MANAGEMENT SERVICE. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Product: Credit reporting or other personal consumer reports

I have three collections from XXXX, opened on XX/XX/XXXX for account number ( XXXX ), XX/XX/XXXX for account number ( XXXX ), and XX/XX/XXXX for account number ( XXXX ) in the year XXXX. These accounts were fraudulently opened in my name by my XXXX XXXXXXXX XXXX, without my knowledge or consent. He assured me that he would repay the loans, but he has not done so. Despite my efforts to contact him over time, I have lost touch with him over the past year.
Product: Credit reporting, credit repair services, or other personal consumer reports

A collection account appeared on my credit report that does not belong to me and I disputed this with all 3 credit bureaus as well as the company reporting the account. The 3 credit bureaus claim that this has been " verified '' as mine and yet they never proved anything, which is not allowed under federal law. All 3 bureaus also were aware that I have a lawsuit against persons that obtained and used credit with my personal information, which includeded business accounts. All 3 bureaus have copies of this lawsuit, which I am also attaching to this complaint. This account was not authorized by me, opened or applied to by me, signed by me or used by me or by any company that I am a part of. This must be deleted immediately from my credit report because it does not belong to me and I am not liable for it. This company sent me a " contract '' that does not include anything other my first and last name and the company that I used to belong to. There 's no signature ( as I did n't sign it XXXX or any other legal proof that I ever authorized or had any part of it. 

This is part of my complaint against all 3 bureaus : I cant believe that these accounts are still reporting on my credit file and one of them DOESNT EVEN BELONG TO ME! This fake company XXXX sent me a fake contract with no information on it other than my name no address, social, date of birth or even a signature. I did NOT fill out an application, have a contract with, services with or apply to this company that is sending me fake documents for $ XXXX. This is NOT legal to attempt to collect a debt that I dont owe and I am adding you to the Consumer Financial Protection Bureau complaint against this company in regards to this false account. I am attaching the lawsuit against a person that was part of a company I was with who used my information to obtain credit and use company credit. You are being negligent in reporting an account that you know to be reporting inaccurately because you already had this contract and removed the XXXX XXXX account that was part of this lawsuit. This company specifically stated in their response to me that they attached proof of the debt. I am including this fake proof that clearly shows none of the required info. You are legally required to delete this XXXX XXXX 1 immediately, as you AND this illegitimate company are in violation of federal law.
Product: Vehicle loan or lease

We had a 6 year car loan with Capital One auto finance. Near the end of our loan, my wife got the payments deferred for two months at the start of COVID-19. 

On XX/XX/2020, my wife made a payment online for the car, but if did not process for some reason. We didn't know there was a problem until someone came to repo the car. 

I asked the man to wait while we called Capital One to straighten out the issue. He was friendly and did so. When we called Capital One, where we offered to clean out our savings to pay the car off in full, they said they couldn't help us until the repo happened, then they would be happy to take our payment. We only owed {$1500.00} out of a six year loan. 

We called the next day to pay off the loan and had to pay {$2000.00} to get our car back and pay off the loan. This completely cleaned out our savings.
Product: Debt collection

I started taking medication in early XXXX that was being prescribed by my XXXX XXXX at XXXX XXXX. When I needed to get my prescription reviewed, I was told I needed to make an appointment with my XXXX XXXX  I asked how much the appointment would cost, and I was directly told Out of pocket f/up video visit is {$70.00}. by a XXXX XXXX worker. I agreed to that price ( as can be seen by the attached screenshot ) and had the video call. The call lasted approximately 10 minutes and consisted of my XXXX XXXX asking me a few questions and me answering them. Nothing surprising happened over the call. After the video call, I was charged way more than the {$70.00} that I was told would be the cost. I reached out to the XXXX XXXX billing department multiple times to tell them that I only agreed to have the video call at a cost of {$70.00} and they refused to adjust my bill. The billing department even admitted that someone at XXXX XXXX made a mistake, but they still would not fix my bill. I eventually paid the {$70.00} and told the billing department that I was only paying this amount because I made the decision to have the video appointment based on the information that XXXX XXXX gave me. They accepted my {$70.00} payment. 

I continued to receive notices that XXXX XXXX was billing me for the additional ~ {$25.00} that I never agreed to before accepting their services. I continued to try and get XXXX XXXX to fix the billing issue but they would not do so. I spoke on the phone with someone from the XXXX XXXX team, who told me that she could not help me. My husband tried calling an escalation number and when no one answered, he left a voicemail, but no one called him back. I tried calling the phone number on the XXXX XXXX website for the location that I went to, but I was constantly told no one was able to help me. I even reached out to my XXXX XXXX asking her to get me into contact with someone from her office directly and she ignored my message. 

I have been trying to get this matter resolved for over a year, but XXXX XXXX is being unresponsive/unhelpful. The only reason I agreed to the video appointment is because I was directly told that my out of pocket cost would be {$70.00} by a XXXX XXXX employee. I never agreed to pay more than {$70.00} for the appointment. Since I have already paid the {$70.00} that I owe, I do not owe any more money for this appointment. 

I have now received a debt collection notice from a second debt collector. I sent a contestation letter on XX/XX/XXXX about this same debt and never heard anything back. Now, seven months later, I am receiving another notice about this debt, which I do not owe. Please see all attached relevant screenshots.
Product: Credit reporting, credit repair services, or other personal consumer reports

I already reached out to the credit bureaus and notify them of their error posting for these accounts. My records associated with XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CITICARDS and XXXX Financial accounts do not complement with what the Credit bureaus may claim as a " validated as accurate ''. I was never late on these accounts. I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I requested the actual proof, physical firsthand documentation of the payment history but I did not receive what I asked and these violations persist on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. XXXX XXXX is a service which reports an over viewof my personal credit. 2. XXXX XXXX is a service of XXXX XXXX ( cc ). 3. XXXX XXXX is provided/informed by Transunion who supplies the information. 4. There is a significant disparity between the percentage of payment history between XXXX XXXX and Transunion reports. The incorrect version is on XXXX XXXX. 5. XXXX XXXX is a service which also reports an overview of my personal credit. 6. XXXX XXXX reports both XXXX ( this is not germane to this issue ) and  Transunion information. 7. The Transunion section of XXXX XXXX and the Transunion credit history are in agreement and correctly reflect my credit payment history. 8. My correct payment history is 100 % perfect payments for seven accounts ( 600+ months ). I do have 6 late payments on my student loan in that period.
9. XXXX XXXX shows a payment history of 89 %. The others Transunion conduits reflect 97 %. 10. Clearly this is basic math and an 89 % payment history is incorrect/impossible. 11. Upon multiple contact neither XXXX XXXX nor Transunion would concede they are responsible for the XXXX XXXX content - and neither was able - or inclined to correct the incorrect information.
Product: Credit reporting or other personal consumer reports

Hi, my name is XXXX XXXX, and my XXXX is XX/XX/year> Address XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX$880.00} Im writing because I have been financially and credit wise violated and victimized and not heard or cared about, I am an identity theft victim and fraud victim along with, I have been in over 10 security breaches and my info has been exposed.

I have an Active Alert on my credit reports to call my number XXXX before opening any accounts. Its been on my report over the last 10 yrs. MY RIGHTS WAS VIOLATED and not followed through. 

This company has failed me and opened an account that is not mine and I never Authorized it, this company has no signature of mine on file, this company as no contract or agreement from me, this company has no copy of my ID. This company also charged off & sold a fraud account. 

When I had to write to the company and have them close the fraud account, they lied and put they closed out the account and then, destroyed my credit for yrs I been battling this. When I had to get the law involved, they then sold my account illegally. 

The company was paid by the people who purchased the account illegally and then they violated my rights by not sending me a letter or formal letter of any kind stating they purchased a fraud account. 

The company also reset the dates on the fraud account illegally because I been fighting it for years to get my identity back, the company has violated my rights as a United states citizen and has violated fair credit reporting. 

The company has called next door neighbors and friends and family stating, I have a court case and giving out case ID numbers pretending to be court clerks when in fact they are collection agencies. 

I WANT THIS ACCOUNT TO BE PERMANTLY DELETED FROM MY CREDIT PROFILE AND MY CREDIT POINTS TO BE RESTORED. I DONT WANT THE GENIC WORDS OF CONSUMER DOES NOT AGREE. BECAUSE THAT IS NOT HELPING WHEN I AM A VICTIM.
Product: Checking or savings account

On XX/XX/XXXX, I went to XXXX XXXX, va branch of truist with the expectations of performing a wire transfer from my personal account to my business accounts. All accounts are with Truist. When I sat with the branch leader it was XXXX. During which time the branch leader, XXXX XXXX, suggested I do a regular transfer since all of the accounts are within truist. I took her suggestion against my better judgment and now they, the bank, have blocked my business account that got the bulk of my money. I asked to transfer XXXX, XXXX to one business account and XXXX to another truist account. The XXXX was sent and nothing is on hold as of XX/XX/XXXX. 

There seem to be some ignorance of the process and it took over an hour to get this done. They, XXXX, and another bank teller, finally got it done and told me it would be an issue if I requested an immediate availability instead of if I just waited which would be overnight. I never used any of the accounts u til I needed ro make a {$900.00} payment and my card was denied. Since I was back in ga I went to XXXX ga branch on XXXX XXXX XXXX and the initial teller told me my account was blocked. 

I then today, XX/XX/XXXX, saw that it was deposited as a check and not a cash transfer. My XXXX is tied up in limbo because of the branch manager, XXXX, and the " department '' who has the power to release Is holding my money hostage. None of them care. I couldn't make payroll and they had the nerve to charge me {$25.00} for a wire that was never a wire. Two days ago and I wasn't even in their establishment. I want my money back and this account closed immediately.
Product: Debt collection

They call 3-4 times per hour everyday. Never leave a message they try my house then cell phone so I end up have up to 8 calls per hour for 12 hours a day. If they want to teach someone they should leave a message.
Product: Debt collection

1. CBS is pursuing me as an independent collection agent when the originating provider of services ( XXXX XXXX ) is actively accepting payments from me. Further, because XXXX is accepting payments from me, CBS has an incorrect and higher balance than I owe/am paying to XXXX. 

2. It is my understanding that if the business I am obligated to pay is accepting payments from me, it can not be a collection account being pursued by an outside agency at the same time. It also can not be reported adversely on my credit by said collection agency. 

3. CBS has admittedly reported adverse information to credit bureaus causing me harm.

4. CBS is further pursuing me for a debt that is not mine and that CBS has no business sending privacy information to me of someone else 's account, and has admittedly reported the debt to credit bureaus causing me harm. 

5. CBS has refused my demand to correct their faults and continues to send threatening tone letters. They also continue to share information about the debt that does not belong to me, which is clearly evidenced in the itemized statement they sent ( I am not the account guarantor ).