23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I opened a best buy citibank credit card recently and before I received the card, I moved. I called them to change my address and even after giving them my ssn and all the information they asked for, they would n't verify my account. 

I gave them the same information that I used to open the account. They made me send a code to a number that belongs to my father to access my account. After changing my address they told me they would send out a new card. I received an email from them today about returned mail. I called them to see if it was returned from the old address or the new. They told me my account was being investigated for fraud and they could n't give me any other information, not even if interest and late fees would be accruing during this time or how long this investigation would take. 

This is unacceptable. This is my account and I have all the information that is legally required to prove my identity. I am worried they will hurt my credit as I can not access my account to make a payment. They would n't allow me to speak to a supervisor, though I asked on XXXX separate calls. Please advise.
Product: Credit reporting, credit repair services, or other personal consumer reports

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT. THE LIST OF ACCOUNTS BELOW HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALITY UNDER 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

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

please help me against my consumer rights being violated as the statement.
Product: Mortgage

Subject : Complaint against PHH Mortgage Dear Sir/Madam, I am writing to bring to your attention the frustrating and disappointing experience I have had with PHH Mortgage. I have been working with a mortgage defense attorney against PHH Mortgage because every consumer finance protection law they have not been complying with their contact for a family transfer is slow, and they have not sent me letters in the mail on what to do next. When they do respond, they leave a cliff hanger saying the process is incomplete and ask me to contact the modification counselor 's office. 

Unfortunately, even when I contact their counseling office, they state that I'm not authorized even after probate and recorded the deed of transferring title have been completed. Even when I say I am the successor of interest, and I have the necessary legal documents, the response from PHH remains the same. This is extremely frustrating, and I do not know where to turn.

I would appreciate it if you could investigate my case and determine why PHH is refusing to comply with the Consumer Finance Protection Act and other relevant laws. It is my hope that this situation will be resolved quickly and efficiently so that we can move forward without any further hassle. 

Thank you for your attention to this matter, and I look forward to hearing from you. 

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

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Here I attach, along with the dispute, my fraud report that I just sent to Equifax for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved. I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity
Product: Mortgage

The entire process with AmeriHome/XXXX has been a complete nightmare which is coming from someone who works in the industry. Following the submission of my initial package, I was told that I had missing documents when I submitted everything as stated in the package. They asked for different documents than were required in the loss mitigation package stating that I was missing documents then they also asked for additional documentation that was not requested in the original ( for a {$200.00} annual HOA bill ). This lack of knowledge and understanding in regards to their package and what was needed pushed the entire process out for another 30+ days.I have also requested to speak with supervisors on numerous occasions who send the customers to voicemail and do not return phone calls. 

Furthermore, I was completely current until the modification trial period which lasted for 4 months and in all the entire process took over 8 months to have finalized and completed. There were also issues with my final documents that I had to point out to them as they were incorrect which then caused more delays in completing the modification. 

I was also charged an additional {$370.00} at the end of the modification which I paid in XXXX. However, still in XXXX, it is not showing as rectified and paid on my bill even though I have called numerous times and spoken to multiple people. I continue to be told it is taken care of and that they misapplied the fee, but it continues to show as overdue on my statements. When I called on XX/XX/18 because the fee was still show due even when it was paid, the represented was rude and told me that the {$370.00} were late fees in which I replied that I was completely current on my mortgage and that the {$370.00} she was referencing in late fees only came during the trail plan which was all paid on time. She continued to arguing with me telling me that " this was the default department and if I got a modification then I was not current ''. I told her based on my pay history I was clearly current up until the trail plan for the modification started which was the only thing that made me incur any late fees. She continued to tell me that the " late fees were based on the investor ''. However, my investor is XXXX whic the requirements of fees are clearly outlined " The servicer must not charge the borrower administrative fees. The servicer is authorized to assess late charges during the Trial Period Plan. The servicer must waive all late charges, penalties, stop payment fees, or similar charges upon the borrower 's conversion to a permanent mortgage loan modification. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for {$240.00} which was adjusted off per XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Since there is no account listed under my name, then by by law you have violated my rights. 
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 a account without my written instructions
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following accounts are not affiliated with me nor are they authorized by XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting

I received an alert from Transunion that my credit was hard pulled on XXXX/XXXX/2016 by XXXX ( XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

TD Bank USA/Target Card Reported on    XXXX   credit bureau twice.  XXXX  different account numbers,  XXXX  different open dates  XXXX  for  XXXX / XXXX / XXXX  and the other  XXXX / XXXX / XXXX .    XXXX  account charge off amount says {$0.00}, the other account says {$1100.00}. I contacted Target yesterday  XXXX / XXXX / XXXX  about the accounts, c she verified I only had  XXXX  account with them that was settled in  XXXX   XXXX  and said I should dispute with credit bureau. I tried twice prior to calling and it was never removed.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX has violated my rights.

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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section 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, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am tired of sending dispute letters to the Credit Bureaus requesting that they correct these erroenous accounts being reported on my Credit File because Transunion has been doing nothing! This complaint is to follow up my previous cmplaints and letters I submitted on XX/XX/XXXX and to inform them that I am halfway of taking legal action and sue Transunion for their willful non-compliance of the FCRA statute. Only if they chose to update and correct the following accounts on my Credit report, then I may stop filing lawsuits against Credit reporting agencies. The accounts that should be corrected are as follows : XXXX XXXX Late Dates XXXX, XXXX XXXX XXXXXXXX Late Dates XXXX, XXXX XXXXXXXX XXXX Late Dates XXXX, XXXX XXXX XXXXXXXX Late Dates XXXX, XXXX XXXX XXXX XXXX Late Date XX/XX/XXXX, XXXX XXXX XXXX, Late Dates XXXX, XXXX XXXX  XXXX Late Date XX/XX/XXXX
Product: Debt collection

this debt happened between XX/XX/XXXX-XX/XX/XXXX the loan was for {$300.00}. The IDPR stated that this company was not and is not licensed to do business in Illinois therefore I do not have to pay them because they are not licensed. Here it is XX/XX/XXXX and they have put this on my credit via a Collection named Nelson Cruz and Associates. I have never talked to nobody at this agency. How can they collect on a debt that is about if not 12 years old and report that as current debt. Nelson Cruz and Associates are in XXXX, TX XXXX XXXX XXXX XXXX, their phone XXXX. 

XXXX XXXX knew they could not collect on this debt because I am protected by the laws of the IDPR so  they sold the account under false pretense to Nelson Cruz and they have put this on my credit and it should not be.
Product: Mortgage

I have asked Wells Fargo many times to stop the solicitation of offers. This has been very distressing to my wife and I because all we want to do is make our mortgage payment and ensure it is applied correctly. The first complaint that was submitted to the CFPB on XXXX/XXXX/XXXX had the same problem listed. Wells Fargo agreed on XXXX/XXXX/XXXX to discontinue all solicitations within 60 days. It is now past 60 days and I am having problems navigating the website because the first thing I see is solicitations. I open my mailed mortgage statement and there is solicitation paper that falls out for credit card offer. On my mortgage statement there are 3 additional offers. These include an offer for a new mortgage, an offer to refinance my mortgage, and an offer to buy home and auto insurance. 

The payments that I make are very confusing to understand if they are applied correctly and on time. On my mortgage statement once I am able to get through all of the offers I see 2 lines for 1 payment. I have no trust with Wells Fargo because each person advises me differently and Wells Fargo does not follow through with their promises.
Wells Fargo refuses to talk to me on the phone since my phone automatically records all phone calls. This is a problem because I have to wait 10+ business days for a response by mail. Many of these responses I have been promised have never been received. The responses that are received are never followed through with such as removing solicitations in 60 days. The last time I spoke to Wells Fargo on the phone I was advised that I should pay past the due date to accommodate their payment logic. I am worried that Wells Fargo is going to foreclose on my house since they will not speak to me on the phone and is advising me to pay past the due date. 
Complaints with the CFPB have seemed to be ineffective.
Product: Credit card

I'm a XXXX XXXX XXXX who uses XXXX XXXX XXXX XXXX for XXXX XXXX through the XXXX website, purchased as a subscription-based platform. I typically make purchases for different licenses through this subscription-based platform and I'm usually careful with what I purchase using my card. One of the monthly subscriptions overcharged me for a non-agreed amount. I initially bought it as a one-time recurring monthly amount of XXXX dollars and depending on how many people I add to this license it would then increase this amount to reflect the amount of people licensed. Unfortunately, the company decided to charge me upfront for XXXX people, when there are only XXXX people in XXXX XXXX. I have tried to rectify the situation myself but the charges went through, and contacting them directly is impossible because they do not respond. They only respond via email and refuse to work with me regarding this refund. I contacted XXXX the day of. No response or they refuse to work with me on this issue. I need a full refund, no partials or pro-rated the subscribed item was barely used.
Product: Bank account or service

My Wells Fargo account keeps getting made dormant because I do n't write checks or use the ATM or debit card or visit a branch. It is hard to do any of these things because I do n't live in U.S. The account is constantly being used, however, for electronic deposits and withdrawals. When the account goes dormant, I am unable to transact online and I have to call in
Product: Mortgage

We were in forbearance due to covid from XXXX to XXXX due to my husband losing 40 % of his pay he works in XXXX XXXX  XXXX till now he still has a lower income we applied for another modification and we were denied!! I am XXXX and my son is a type XXXX XXXX!! My husband and I want to keep our home. I dont understand why Selene finance can not drop the interest rate and lower our payment they are not willing to work with us at all!! Im am simply distraught by all this!! Please help me and my family!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting to TransUnion credit bureau that the account is still open and it should report as closed. The balance is showing 100 % paid in full. Please have them close the account and report it correctly on my CB report with TransUnion Total shows owed. {$3800.00} The other account that shows incorrect reporting is still XXXX XXXX XXXX it is also reporting this as open account with a XXXX balance and should show XXXX  and closed status.
Product: Checking or savings account

XXXX XXXX XXXX references my SSN so I am eligible for CFPB misconduct and harm by Square aka Block Inc. Fraudulent transactions are being executed and deposited somewhere else other than account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have provided bank statements proving that XXXX XXXX XXXX never benefited from specific amounts {$1400.00} and {$1900.00} on XX/XX/year>. Regardless of my facts presented, Square staff has caused my account to go negative by {$3400.00}. I am a victim of fraud - someone on staff at Square or someone outside of XXXX XXXX XXXX. Square has failed to offer help to victims of fraud.
Product: Debt collection

Requested written documentation of debts I was told I owed. Its been well over a month, and nothing from them. 

The requests were sent via Certified Mail through the USPS. 

Im trying to do the right thing by confirming this debt as it negatively affects my credit score. Without the info provided by the creditors or collection agencies, I can not move forward in rebuilding my credit. Its infuriating. 

Portfolio Recovery Associates in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  is where the Certified Mail was delivered.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX AND TRANSUNION CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in 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
Product: Student loan

There are issues with my sons loan that he and his mother have with Sallie Mae and they keep calling me at all hours and while at work. I explain that I am not on the loan and to stop calling and their people have stated my name is on the contact list and they want a payment and if I want the calls to stop to make a payment. 

As far as I am concerned they are worse than a loan shark and they will do multiple computer calls per day and that is a form of harassment and that is not legal.
Product: Mortgage

I called SLS on XX/XX/XXXX to close my escrow account since my original mortgage contract does not require me to have one and I would like more of my payment to be applied to my principal. I was told to send the request by email, and I emailed the same day. On XX/XX/XXXX emailed again because I hadn't received a response. I also called and spoke to customer service and was told they would respond by XX/XX/XXXX. It's now XX/XX/XXXX and I haven't heard from SLS. I just went into my account online and the escrow payment is still there.
Product: Mortgage

My mortgage was purchased by Flagstar bank from XXXX XXXX  in XX/XX/XXXX. My first payment to Flagstar Bank was XX/XX/XXXX. My original loan was a conventional loan with no PMI. But when Flagstar took over, they added PMI to my payment/loan of {$75.00} a month. 

Without realizing this, I ended up paying them a total of {$750.00} from XX/XX/XXXX - XX/XX/XXXX. 

I sent a letter regarding this problem to Flagstar, and they terminated the PMI from my loan as of XX/XX/XXXX. But never reimbursed me for the amount that was paid prior to the termination. 

I called on XX/XX/XXXX and spoke with XXXX from the PMI department, and he was supposed to forward the information to his supervisor and get back to me. I have heard nothing. 

I sent a letter on XX/XX/XXXX again, and have heard nothing. 

Flagstar Mortgage added PMI to my loan without my knowledge, or signature. 

Please help! 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting or other personal consumer reports

I'm a victim of identity thief. i reported this information numerous of times but they still choose to report this inaccurate information.