23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I visited XXXX Colorado and I went to a branch and did a withdrawal. Two days later I received a alert that my account overdraft. I checked my account online and found that I had another atm withdrawal at a random place. I immediately called my bank to report the problem. I was denied twice in the same day. They said they couldn't help me. So I'm reaching out to get this resolved.
Product: Mortgage

To whom it may concern : My name is XXXX XXXX and I am filing this complaint against Prime Lending, specifically towards and employee by the name of XXXX XXXX ( NMLS # XXXX ). XXXX is a Branch Manager at a Prime Lending located at XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, NJ XXXX. I had reached out via email to a Prime Lending loan officer by the name of XXXX XXXX on XX/XX/21 at approx. XXXX. My correspondence was in regards to refinancing my current home mortgage and I had attached confidential documents for XXXX to review. Upon sending the email and reaching out to XXXX via text message he had informed me that he had parted ways from Prime Lending and I then resent the information to his new email. A few hours later at XXXX I received a phone from an employee of Prime Lending by the name of XXXX XXXX XXXX I was a little taken back by someone from Prime Lending reaching out to me to begin with. Upon speaking with XXXX, he discussed with me the information I had confidentiality sent to XXXX and informed me that the email that I had sent to XXXX 's email was intercepted and viewed by XXXX XXXX. XXXX then proceeded to solicit me, asking if he and Prime Lending could provide service for my refinancing needs which I respectfully declined. XXXX said that XXXX XXXX directly instructed him to reach out to me to solicit my business. I believe this to be an absolute violation of privacy. I do not know who else viewed these documents and because I am choosing not to do business with Prime Lending anymore where this information can go or who else has access to XXXX old email account. Someone such as XXXX XXXX in the position as a branch manager should know that these actions are inappropriate and on top of violating someone's privacy, directing an employee to solicit based on viewing confidential information is completely unacceptable. I can only hope that my complaint with the Consumer Finance Protection Bureau will prevent this from happening to anyone else and hopefully provide some discipline and guidance to Prime Lending and their employees for these violations. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Equifax today XXXX XX/XX/2019 XXXX spoke to supervisor XXXX and rep XXXX after realizing that my credit score had dropped XXXX points on XX/XX/2019. I was provided information that the score was dropped because XXXX had reported my loan being in deferment. So I called XXXX and XXXX stated that by them reporting my loan in deferment should not be recorded as derogatory and that my score should not have been effected. They wanted me to provided them with a copy my credit report from Equifax. I called Equifax and got the run-around. They needed to validate my identify. They asked me a series of questions. All having to do with inaccurate info they have on their report which is none of the truth. They ask questions that do not match up to the truth then tell you that you failed authenticity and demand you to fax over a copy of your drivers license and social security card. Not only is this a way for your identity to be stolen, it may be why millions of people were able to get their identity stolen by Equifax, its a scam millions have gone through this process and was told what I was told. They refused to work with me to discuss why my score was dropped and they refused to accept the correct answers I provided them. They ask questions that are in three parts and they say it very quickly and refuse to repeat the questions. They asked me what was my filing date for my BK ; I provided it. They asked about my car loans and payment amounts I provided that. They then ask what was the exact date I applied for an Equifax report, which I have not a clue. They also have different dates as to when my BK was filed and I have my paperwork on everything about my BK and they say it needs to be the date on their report which I do not have!!!! The true dates are what the court sent me regarding my filings not the false info they have. I was trying to get my report from them. They are holding consumers hostage, and using their credit scores against them to satisfy the lenders who pay them to keep our credit destroyed!, so we can be charged higher interest rates. I am livid. There are over a million complaints on various sites about this and what is the CFPB and the FTC doing about this? I was unable to get my report, because they do not want to address the issue of plummeting my score by XXXX points. There was no reason for it. Several people have complained about this very issue. I verified my identity correctly and they want me to fax my SS Card and Drivers license. Why? Because they do not want to correct disputes. They target you after you complain and drop your score even more. Its a game and a dangerous one.  What's being done?
Product: Mortgage

Nationstar Morgtage needs to be reviewed, monitored and stopped in reference to : 1. Harassing inappropriate communication with mortgage holders. 
2. Inappropriate statements being sent to foreclosed mortgage holders. 
3. Unwillingness to work with HUD housing counselor - lack of knowledge on how HARP works, how foreclosure works and over all mortgage process for up to date assistance to mortgage holders. 
Nationstar bought my mortgage in XXXX XXXX and final foreclosure occurred on my property in XXXX XXXX. I was forced into bankruptcy XX/XX/XXXX and the bankruptcy was finalized in XX/XX/XXXX, which canceled my complete mortgage debt bought by Nationstar. Even though my property was foreclosed on in XXXX XXXX and my bankruptcy canceled my mortgage debt ... .Nationstar continues to contact me by phone and letters. There is NO reason for this contact and months after the finalized foreclosure if my property this contact is HARASSMENT! 
Nationstar is also sending inappropriate, misleading financial statements expecting payment for fees and charges Nationstar has accrued due to the foreclosure of my property. Even though Nationstar calls the statement " Informational '' these fees and charges are NOT MY RESPONSIBILITY - so what right does mortgage companies have for sending out misleading and false statements? 
" INFORMATIONAL STATEMENTS '' are wrong and must be stopped ... .how much money has mortgage companies gained from knowledgeable highly targeted seniors???? 
In discussion with housing counselor in WA state I was told to send Nationstar a certified USPS letter telling Nationstar to stop all communication immediately. Nationstar has ignored my letter and has stepped up contact by sending more letter even documents for escrow ... .why????
Product: Credit reporting, credit repair services, or other personal consumer reports

there is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instruction for the identified items to be reported on my consumer report. i am requesting that the reporting of this information be blocked and deleted .my request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. the identified transactions are not information related to any transaction by me as the consumer. : XXXX XXXX XXXX other than personal date XXXXXXXXXXXX XXXX XXXX : XXXX XXXX XXXX other than personal : mortgage reporters XX/XX/XXXX : EXPERIAN : XXXX XXXX XXXX other than personal : miscellaneous reporters ; XX/XX/XXXX Experian : : XXXXXXXX XXXX XXXXXXXX XXXX credit union XX/XX/XXXX Experian : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian : : XXXX XXXX  : FINANCE OTHER THAN PERSONAL XXXX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX : MISCELANIOUS REPT XX/XX/XXXX : XXXX : : XXXX XXXX XXXX personal XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX : experian all files see attachment to follow ; ; you are required to do what i am asking and block these transactions from being reported to my consumer report within 4 days from the date of this notice i look foward to your response
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Hello, I just received a notice from chase that my CL on my chase freedom account was decreased from {$3500.00} to {$1200.00}. I am very confused as to why this happened. I recently made a payment of {$2500.00} which brought me down to {$850.00} which also brought my itilization down. I called the XXXX number and was told in order to possibly reinstate the limit there would be a hard pull on my credit report which i find to be not only unfair but very detrimental to my credit score. I have never missed a payment, i always paid on time and i have been banking with chase for several years. I would like to get it reinstated if not i may consider just canceling this card.
Product: Checking or savings account

We have been experiencing several issues with the Wells Fargo branch located at XXXX XXXX XXXX, XXXX Florida with just two particular individuals a male manager and a teller by the name of XXXX XXXX 
My mother have received some funds to fix her house where we live due to damages that had occurred in our home and the mortgage company send us several checks to pay the contractors that we have hired to do the jobs in our house. We went to the bank with the check and they did not want for us to deposit the check to my account even though my mother signed it over to me nd I have power of attorney to take care of her affairs and to pay the contractor for the jobs. They say we couldnt and that we have to deposited into her account, so we went to another branch and it was deposited without any issues. So, in two weeks, they sent us another check for the deposit of the contractor, so we went again to the XXXX XXXX XXXX branch because it is close to our home, and again we had the teller XXXX at the drive through and I again informed her to please deposit the check into my account and she went ahead and deposited in my mothers account, and my mother can not have high deposit show in her account because she receives social security disability and food stamps. When we got home that is when I noticed that she had deposited into my mothers account, so we had to wait on Monday to go in to the branch to transfer the funds into my account, so we found a teller that made the transaction for us without any issues. Now on Saturday XX/XX/XXXX I went to the drive through and behold again its XXXX, I fill out the form and needed to withdraw XXXX dollars to pay for a job that was just completed and XXXX told me hold on and she called that same supervisor a male that I dont recall his name made me wait for so long and then he came to the window and says that I can not withdraw the XXXX dollars because blah blah and mind you I just withdraw {$7100.00} the previous day to pay off the balance to our contractor in order to get release of lien. And they are telling me I can not withdraw and what made me so mad is that as I was leaving they started laughing at me. Now this is so unprofessional and I see that we are being targeted by this supervisor and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I became fully XXXX in XXXX. None of this was by choice ; unfortunately I became very ill. After recovering from the first event, I notified XXXX of the situation. I applied for Total and Permanent Loan Discharge. For some reason unknown to me, the application for TPD never went thru. XXXX continued to report all kinds of different late payments on my credit reports. Not only did they report late payments, but none of it makes sense at all on how its reported. Some of the accounts were being reported never late and some late all the time. Some of the accounts went from not late to 120 days late. It does not make sense. All of this is 100 % incorrect and needs to be corrected. 

I have sent information to all 3 credit bureaus showing complete discharge of all student loans due to Total and Permanent Disability. When the credit bureaus contact XXXX, someone within the company is reporting that my information given is not correct and the credit bureaus state that the debt is still owed. I have submitted the information received directly from XXXX and from the Department of Education!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX - XXXX - is reporting an erroneous old account on my credit report that should have never went to collections and it was paid before it was even sent to collections! ON my report it shows it was paid XX/XX/2016 and XXXX XXXX put it on credit XX/XX/2016 with no balance! What the heck! I have been disputing this with the bureaus and get no response! They are in violation and I have contacted my attorney.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting agencies Experian, XXXX  XXXX XXXX and XXXX XXXX are in violation of reporting unverified, an unvalidated account on XX/XX/2018 information provided to them by XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MI XXXX. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you  are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts from my credit eport
Product: Debt collection

I explained to XXXX XXXX XXXX, on a recorded line, that I was part of the Class Action Lawsuit against Capital One ( Anderson vs Capital One Class Action Lawsuit ) where as Capital One was to have all debts removed from all three credit bureaus, XX/XX/XXXX, XX/XX/XXXX, andXX/XX/XXXX. They were not to sell our information to third parties anymore. This debt that XXXX have is not mine and the date open they have is incorrect ( XX/XX/2020 ) and the amount is fraudulent, this is a fraudulent account, and I will hire an attorney and sue them and Capital One if they don't remove this from all three credit bureaus agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. XXXX XXXX Inquired on XX/XX/XXXX, ALLY FINANCIAL Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
Product: Vehicle loan or lease

I leased a XXXX Kia forte GT Line in XXXX of XXXX, I liked the car enough to decide to buy it out, so I paid off the car on XX/XX/XXXX and NEVER received the title. So I called customer service to have them explain why I didn't receive my title, The C/S Rep. informed me that Title was sent on XX/XX/XXXX by first class mail, And I should get it within 3-5 business days, after 10 days I called them again, and I asked what address they sent my title to, I found out that they sent it to a wrong address that doesnt even exist! Then I requested a lease release form and a bill of sale to at least generate a duplicate title from the motor vehicle, They said it would take 5-10 business days to receive it, and again I never got it. I contacted Kia consumer affairs and opened a case on XX/XX/XXXX to have them do a duplicate title request and NO ONE HAS CONTACTED ME. I then opened a second case on XX/XX/XXXX to create another duplicate title request and was informed they would respond and nobody has contacted me. They finally sent me a lease release form on XX/XX/XXXX, and when I went to the XXXX to create a duplicate title myself I was informed I could not create a duplicate without the authorization of Kia Motors Finance. I called customer service again and was assigned a case manager named XXXX XXXX he promised me that I would receive an authorization form by the end of the week, but it never came. I called XXXX XXXX and he promised he would get it to me within 5 business days he informed me that in the meantime he has canceled the duplicate title request, but then he realized that was a mistake and he created another duplicate title request. I have contacted XXXX XXXX multiple times since and he has never picked up my calls again. This is ridiculous, I need to register my vehicle under my name, but I don't have documents from Kia.
Product: Debt collection

I have unsettled bills back in XXXX  and XXXX  which bills were too old to collect for hospital bills. These collection bills are old bills. They purposely lied and deformation of my character. Violated my right. I have disputed these charges and they will remove them and repost them. The credit bureau helps them by purposely putting false informations. These debts were supposedly old debts with XXXX in XXXX XXXX or XXXX in XXXX Fl dating back from XXXX XXXX XXXX and which my XXXX insurance has no recollection of any claimed debts. Based on the Statute of Limitations in Florida for Debt The statute of limitations for debt in Florida is usually five years. A creditor has five years to sue you for the money you owe. This is because most debts are based on written agreements and the statute of limitations period for contract actions is generally five years. 

americollect Balance {$150.00} Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX. # XXXX Opened XXXX Reported Open Condition americollect Balance {$53.00} Original Creditor : XXXX XXXX XXXX COLLECTIONS XXXX Act. # XXXX Opened XXXX Reported Open Condition americollect Balance {$120.00} Original Creditor : XXXX XXXX XXXX XXXX  XXXX Act. # XXXX Opened XXXX Reported Open Condition americollect Balance {$53.00} Original Creditor : XXXX XXXX XXXX XXXX  XXXX Act. # XXXX Opened XXXX Reported Open Condition americollect Balance {$100.00} Original Creditor : XXXX XXXX XXXX COLLECTIONS XXXX Act. # XXXX Opened XXXX Reported Open Condition americollect Balance {$470.00} Original Creditor : XXXX XXXX XXXXp XXXX  XXXX Act. # XXXX Opened XXXX Reported Open Condition americollect Balance {$97.00} Original Creditor : XXXX XXXX XXXX XXXX  XXXX Act. # XXXX Opened XXXX Reported Open Condition americollect Balance {$53.00} Original Creditor : XXXX XXXX XXXX  XXXX  XXXX Act. # XXXX Opened XXXX Reported Open Condition americollect Balance {$97.00} Original Creditor XXXX XXXX XXXX XXXX XXXX  XXXX Act. # XXXX Opened XXXX Reported Open Condition
Product: Debt collection

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To whom it may concern : I recently received a copy of my credit report. I am concerned about the accuracy of the information being reported. Please investigate the following accounts as I dont believe the information to be accurate. 
1 Please remove the following inaccurate address from my credit report : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX # XXXX Please verify this account. 
XXXX XXXX XXXXXXXX # XXXX Please verify this account. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the Fair Credit Reporting Act unverifiable accounts must be removed. Please send an updated copy of my credit report to the address listed above after the conclusion of your investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I currently have a home mortgage with Wells Fargo home mortgage company. For over 7 years they have failed to report any of my payments to any of the credit bureaus. Over the last 7 years I have contacted them several times to request that they correct the issue with no resolve. I recently spoke to a representative in their executive complaint department named XXXX who assured me she would look into this matter and find a resolution. Approximately one week later she informed me that they had began reporting in XXXXXXXX XXXX XXXX but would not be going back to crack the last 7 years. She said there was an error in their system that affected several people and it was too high of a risk factor for them to correct the report because if they fix mine they would have to fix other people 's and it could be a risk for Wells Fargo. It does show that they are have been reporting since XX/XX/2017 to one credit bureau but not the others. This has affected my credit score dramatically. I need to refinance my home to get my ex-husbands name off of the loan and I can not do that because they require a higher credit score than what I have currently. I feel that if they would have corrected my payment history my credit score would be well above the requirement to refinance. If I did not pay my payments they would take my home however I do pay my payments and they do not report correctly. There is missing information and one credit agency has no record that I ever even had a mortgage loan to begin with. This is very frustrating as I have a young child with a very rare medical XXXX that consumes most of our time. I feel that excessive amount of time has gone by and this should have been addressed by now.
Product: Bank account or service

The Company XXXX emailed me a paycheck and it was printed and sent to Bank of America. They deposited the check and then sent it XXXX XXXX who was the bank for the check. XXXX XXXX determined the check to be FRAUD. Bank of America then returned the the check and mad me a negative balance. This FRAUD Check has caused a huge proble, for me being able to open up a checking account. This needs to be removed from my Bank of America Account so I can get my life better. This has caused many issues for my banking ability. Please have it removed.
Product: Checking or savings account

Someone stole my identity and add there name to my account with bank of america and steal my money.