23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Had I known that I would be contacting the Consumer Finance division of the government, I certainly would have kept better records. However, most of my interactions have been via email and/or phone calls. The emails go to an address that we are not provided, and is not known to us, and my emails do not come from my personal email account. 

A few years ago, I moved to pay our property taxes and homeowner 's insurance from the escrow account, so that we could, and do, pay on our own. Our homeowners insurance, renewed annually, the end of XXXX, and was paid in full. There was NO lapse in coverage. After being contacted by NewRez, LLC, dab, Shellpoint Mortgage Servicing, about NOT having homeowners insurance, I provided our XXXX policy information, via fax to a number that was provided ( sorry, it was faxed something that came on the letter that I think was XXXX  something ) and email documents to XXXX. I have called NUMEROUS times and my agent has sent over documents, as well. To this date, the escrow account still shows on our account, at an exorbitant amount for the homeowner insurance provided by the mortgage company! I was told by a rep at rushdocs to call in and make my payments via the phone for just our principal and interest, because I would not be able to manage my payments online. Today, when I called in to make my payment, the customer representative informed me that I would be charged a late fee for any amount that did not meet the payment amount that included the escrow for the insurance. I AM FURIOUS. This is the longest run around I have ever been given by any company. My husband and I have stellar credit and I do not need it ruined by the incompetency of XXXX XXXX XXXX add our insurance to our account and remove the escrow, and any late charges that are forthcoming. 

After reading many of the comments on social media, we are not the only family to experience this debacle with escrow accounts, insurance, and erroneous reporting on accounts. NewRez/Shellpoint need to be held accountable as my situation has dragged on, and worsened, since XXXX! We are now nearing the SEVEN MONTHS of trying to get this situation resolved. 

XXXX
Product: Credit reporting or other personal consumer reports

Transunion, To Whom it may concern, I have been sending dispute after dispute with plenty of evidence attached to more than prove that what I am saying is TRUE and CORRECT! You continue to rubber stamp all my disputes with stating that They all belong to me -VERIFIED. You dont even perform a real investigation, ever, just replicating your responses over and over. I have filed a Lawsuit in the Federal court system Case No. XXXX  XXXX XXXX in The XXXX XXXX XXXX Illinois. I am asking YOU for the very LAST time for you to delete all of the FRAUDULENT accounts that are being reported on my Transunion credit report. Please delete ALL of the Following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These are both 1 in the same???
Product: Credit reporting or other personal consumer reports

I contacted XXXX bank about certain issues in regard to this account " deemed as mine ''. XXXX bank informed me that the account was charged XXXX  and sold to a collection agency. In addition, XXXX claimed the full amount on their tax return.Yet, they keep reporting the full amount owed on my credit report as if they never sold the account to a collection agency and claimed full tax credit on their tax return. Evidently, the amount that they are reporting is inaccurate and misleading. As such, I elect to use my right by asking XXXX bank to remove the account completely from my credit profile. Yet, they refused to do so knowing that they are reporting inaccurate and incomplete information to the credit bureau agencies. Furthermore, I contacted the credit bureaus agencies : Equifax, XXXX XXXX, and XXXX to no avail. I am witting this letter to put XXXX Bank on notice about their fraudulent act toward me as a free and sovereign man. I demand that XXXX and the bureaus remove their trade line from my credit profile immediately. It is known that by law any account that is reported incompletely and inaccurately must be removed from the credit bureau. By refusing to remove this account from my credit report, XXXX Bank is violating my every rights as a free and sovereign man.
Product: Money transfer, virtual currency, or money service

I want to close my Tradestation account and liquidate my funds back to my checking account. Tradestation is not closing my contract with them. They wanted my driver license, which I provided. Then they wanted a selfie with me holding my driver license in which I do not feel comfortable doing due to privacy and data concerns. Nowhere in their terms of use and contract does it say that selfies are required. I am no longer wanting to do business with them and they are holding my money XXXX.
Product: Vehicle loan or lease

My complaint is about synchrony bank. The current issue is for a loan from Synchrony for a XXXX recreational vehicle. The same exact thing happened when I had a loan through synchrony for a XXXX recreational vehicle, which paid of and was paid off far in advance of the loan term. 
For my current XXXX loan I always recieve my bill in the mail between the XXXX and XXXX of the month. The due date is the XXXX of the next month. I always write the check the same day I recieve the bill, and mail it out that evening, on my way to work the next morning, or during lunch, or on my way home from work. Today Synchrony called me at XXXX to collect a payment and late fees from me over the phone saying that they have not recieved my payment. This same exact scenario happened when I had the loan through Synchrony for the XXXX. I suspect that they purposely create this scenario in order to try to collect more fees. They purposely mail the bill out just in the nick of time to get to my house so that i have to make sure to write the check and mail it out the same or next day, hoping that it will be delayed in the postal service so that they can try to collect more fees. What supports my theory is that this day and age, they do NOT offer a way to pay the bill online like literally every other financial instiution in the United States of America. They offer to let you pay over the phone, for an extra fee of course. Even tiny little county banks and my single branch employees only credit union offer online access now days. If you view my credit history and exceptional score, you will see that since my first loan the age of XXXX, XXXX  years ago, I have only ever had one late payment due to a mail delay. And every single loan has been paid off far in advance even the only loan that had a late payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have on my credit report XXXX fraudulent hard inquiries in my name from XXXX on XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all 3 fraudulent accounts in the sum of {$4200.00} open XX/XX/XXXX. XXXX XXXX have 2 fraudulent accounts in the sum of {$1400.00} open XXXX/XXXX/XXXXXXXX XXXX XXXX XXXX XXXX 1  fraudulent account in the sum of {$830.00} open XX/XX/XXXXXXXX XXXX  have 1 fraudulent account in the sum of {$300.00} open XX/XX/XXXX. I have written and called XXXX transunion, XXXX about thois manner
Product: Credit reporting or other personal consumer reports

Hello, I have been trying to eliminate incorrect information from my credit for some time and it has been very difficult for me, I have tried many ways and nothing has helped me, please verify all this information and if it is not mine, please delete! 

Name incorrect : XXXX XXXX XXXX XXXX XXXX Current addresses incorrect : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Inquiries that no recognize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX incorrect accounts : XXXX XXXX XXXX : {$0.00} Date Opened : XX/XX/XXXX XXXX Balance : {$3400.00} Date Opened : XX/XX/XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX Balance : {$320.00} Date XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX 
Balance : {$730.00} Date Opened : XX/XX/XXXX COLLECTION Account # : XXXX Balance : {$320.00} Date Opened : XX/XX/XXXX COLLECTION Account # : XXXX Balance : {$730.00} Date Opened : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

XXXX XXXX  inquired XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 CREDCO XX/XX/2020 XXXX XXXX XXXX XXXX XX/XX/2020
Product: Checking or savings account

Someone used a wire transfer to wire money from my savings account at Wells Fago and I have been told that they can not give me the money back because they said I authorized it. I DID NOT! This happened on XX/XX/2020. I have been trying since then to get my money back.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Account number XXXX, Date opened XX/XX/2023, XXXXXXXX XXXX  XXXX, Account number XXXX, Date opened XX/XX/XXXX, XXXXXXXX XXXX XXXX Account number XXXX, Date opened XX/XX/2023. The credit bureaus keep violating the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Product: Debt collection

I received a letter from XXXX XXXX XXXX stating that I owed paypal {$190.00}. I tried contacting them three times and was never able to get a phone call through nor an email response. I then got a second letter that showed the debt. The two emails associated with the debt are not mine nor emails I recognize whatsoever. I contacted PayPal support and they were able to confirm that none of my accounts owed any money. Looking around on the internet I found that many other PayPal users are getting the same fraudulent letters from the same company.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX for unlawfully accessing my credit report in violation of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C.

1681b ( f ). On XX/XX/year>, XXXX performed a credit inquiry without my authorization or any permissible purpose as defined by the FCRA. 
Under 15 U.S.C. 1681b, companies are required to have a permissible purpose-such as a credit transaction initiated by the consumer, a court order, or a business transaction that requires access to my credit informationto lawfully pull my credit report. 
I have no such relationship or outstanding debt with XXXX that would justify this inquiry. 
This unauthorized credit pull has negatively affected my credit score and caused undue stress. 

As such, I am seeking the following : XXXX. Statutory Damages : Pursuant to 15 U.S.C. 1681n ( a ), I am requesting statutory damages in the amount of {$1000.00} for willful noncompliance with the FCRA.

2. Actual Damages : I have suffered harm, including emotional distress and potential damage to my credit standing, due to this unlawful inquiry. I reserve the right to seek actual damages in addition to statutory damages. 
Please investigate this violation of my consumer rights and take action against XXXX to prevent future illegal activities. 
I also request that the unauthorized inquiry be removed from my credit report immediately. 
Thank you for your attention to this matter, and I look forward to your timely response.
Product: Credit reporting or other personal consumer reports

We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT In accordance with the Fair Credit Reporting Act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Trans Union, Experian, Equifax Account names : Child Support account : XXXXXXXX1001.15 USC 1681 section 602 A states that I have the right to privacy. -15 USC 1681 section 604 A section 2. It also states a consumer reporting agency can not furnish an account without my my written instructions. -15 USC 1681 C ( A ) ( 5 ) Section states : no consumer reporting agency may make a consumer report containing any of the following items of information, other then records of convictions of crimes which antedates the report by more then 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 or has any reasonable cause to believe that the information is inaccurate. ***** XXXX XXXX XXXX XXXX was " NOT AND HAS NEVER BEEN DERIVED FROM CREDIT TRANSACTIONS and is past the 7 year mark on all accounts " *****
Product: Mortgage

In XX/XX/XXXX I obtained a mortgage from Suntrust. The loan balance to home value in XX/XX/XXXX has reached 78 % as of XX/XX/XXXX ( XX/XX/XXXX payment ). My understanding is that the PMI would automatically be dropped. It was not as of my XX/XX/XXXX bill. I made a request to confirm PMI removal in XX/XX/XXXX.. Never got a response.I called Customer 'Service ' and was told that if I made any additional principal payments it would change the date PMI could be dropped THEN I was told that XXXX XXXX would still require an appraisal before they would allow PMI to be dropped. It seems to me that it is not 'automatic ' first if I must make a written request and then that XXXX XXXX would require an appraisal ... ... ... ... ... .exactly what is " automatic '' about that? I have no documentation as to who exactly is requiring the appraisal ( or anything else about how XXXX XXXX will receive the information and what exactly they do when they have it including time frame ) I only have the comment from the customer service rep. I do not know what the legal requirements are or where to find them. I do not want to go on paying almost {$60.00} per month if I do not have to and am really disgusted with the lack of clear and timely information in writing ... ... ... .what is really legally required?
Product: Credit reporting or other personal consumer reports

My credit reports are inaccurate, incomplete and the XXXX XXXX XXXX accounts have not be validated as mine. All have been unverifiable by this creditor. 

XXXX XXXX XXXX has failed to properly investigate the alleged derogatory accounts listed as charge-offs in the amount of {$15000.00} and {$10000.00} on my TransUnion and XXXX credit reports. In addition, mark my account as disputed within the 30-day time-frame which is required by law. I requested information of the original contract I allegedly physically signed and supposedly agreeing to their payment terms when I supposedly opened the account. This is a violation of the FDCPA and FCRA. Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ). To this date, no information has been provided to me by XXXX XXXX XXXX regarding these accounts nor action to remove these accounts from my credit reports. This information has a large negative impact on my credit score. 

I have sent certified letters ( with tracking info ) to XXXX XXXX XXXX on the following dates. 
XX/XX/23 XX/XX/23 I have also sent certified letters ( with tracking info ) letter to TransUnion and XXXX regarding this same issue on the following dates : XX/XX/23 XX/XX/23 XXXX has removed both disputed derogatory XXXX XXXX XXXX accounts from my credit report.
Product: Mortgage

I have fallen way behind on my mortgage due to financial hardship, medical hardship, and poor planning on my part. I am attempting to bring account current and recently offered a payment of 6 months by wire of over XXXX dollars and accompanied it with a letter stating a plan to pay additional XXXX dollars within another six weeks. They rejected the wire and sent the funds. Since XXXX  I have been laid off and took XXXX pay cut. I had to care for mother in law in illness and was working hourly at the time which cut my hours. My wife had an accident and required XXXX XXXX and bed rest for over 6 months. Her XXXX payments were less than half her salary for several months. My daughter then had a car accident that required XXXX and more time off for me while working hourly. In addition of my daughter has had XXXX XXXX XXXX XXXX These have presented significant hard ships. I have not effectively communicated due to my own XXXX of XXXX XXXXXXXX and XXXX  that have also required XXXX XXXX. I Have the ability to get them most of if not all the past due in a XXXX week period. They are not willing to work with me. I am hoping that the CFPB can assist me in this situation.
Product: Mortgage

Home was damaged due to water pipe breaking in ceiling of second floor. Because damage exceeded XXXX, insurance company sent check to my mortgage company. 
All repairs have been completed and inspection done and confirmed by bank. They have refused to release the balance of my funds of aprox XXXX. I have spoken to and or emailed with so many different agents, that I have lost count. They say they will release funds if I provide them with a particular item then, request something totally different the next email. Everything is done and paid for, I have submitted copies of all payment and contractors paperwork. They still will not release the balance to me. It is causing a hardship as I paid out of my own funds to complete the work. The last phone conversation was with XXXX. She assured me the remaining funds would be release if I showed proof of payment to XXXX XXXX XXXX. That was done. Now a different agent is requesting something completely different and unnecessary. They even had paperwork from another claimants claim in my file and were asking me to provide contractor information of this claim ( from another state ) Took me a week to clear that mess up with them. It has been over 4months of dealing with this.
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XXXX / XXXX / XXXX  I was made aware from   XXXX   XXXX   XXXX   that I had a loss history report on my consumer report, he emailed me a copy. The company that reported it was  XXXX   XXXX ,  XXXX  I called and spoke to  XXXX , she said there was nothing on my repot in regards to this matter. Then I was in the process of buying a used car, when I received several notices from  XXXX ,  XXXX   XXXX ,  XXXX , that I would be denied insurance because  Trans Union  has a vehicle loss from  XXXX / XXXX / XXXX  that states I owned a  XXXX   XXXX   XXXX  & was in a n accident & policy holder was unknown, & the other driver is unknown. It says that I was paid {$3700.0 0}. I do n't know where this information came from because I have not owned a car for over 20 years. I was not driving or in any car that was in an accident. I also contacted  Trans Union they s ent me my credit report not my consumer report, also said there was no history of that. It has to be on my report because all od the denial notices where after notifying them.
Product: Mortgage

I was talked in to refinancing my FHA loan, one year ago, by my mortgage lender XXXX XXXX from Quicken Loans. He promised I did not need any money down at closing and he was able to secure a large refund from my escrow. My loan number is XXXX. My loan amount was $ XXXX@4.25 % I learned close to the closing date that I would have to bring close to {$1200.00} to closing as opposed to the XXXX amount promised. I was also told that I was getting a large amount of money back from my escrow, so I closed XXXX/XXXX/XXXX and by a week later I was told that I would not receive any escrow back. I was also told on numerous phone conversations that my PM I would be automatically dropped on XXXX XXXX. Which it did not happen, so upon contacting Quicken Loans I spoke with XXXX a quicken Loans client relations at XXXX. She reviewed all of the email and documented phone conversations between XXXX XXXX and myself and she apologized and said that all the things he had promised were wrong and the PM I would be on my loan for another eleven years, costing me a mere {$13000.00}. And that there was nothing she could do to allow all of his promises to go in to affect because it would be against the law and if I would have never refinanced with them, the PMI would have automatically come off XX/XX/XXXX- but due to being talked into refinancing the PMI remains s, therefore XXXX XXXX from Quicken loans screwed me out of over XXXX dollars. XXXX XXXX sent me a card and a {$100.00} gift card as an apology for my experience that I had with Quicken and XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the following false accounts with the credit bureaus but have not received and response : 1. XXXX XXXX account XXXX 2. XXXX XXXX XXXX account XXXX* 3. Accounts XXXX account # XXXX 4. XXXX XXXX account # XXXX 5. XXXX XXXX XXXX account XXXX Please investigate and delete asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sure I did not add ( address ) to my credit report. 
I will assume at this point that is is a typo considering the lay out of a 10 key. 
( Address ) is NOT MY ADDRESS My address is ( Address ) I do not reside in XXXX XXXX I live in XXXX XXXX.
Product: Debt collection

This company has never sent any written documentation about the debt by mail. They call multiple times a day. They consistently use different numbers to call. The calls started a week ago. I received a phone call today. I repeatedly asked them not to call during business hours, due to my schedule at work. They are extremely unprofessional and continues to threat to damage my credit and sue me. 

I requested a license number & the representative by the name of XXXX refused to give me the information. I asked them to validate the debt. I have never received a notice and the original creditor has all of my information on file. 

They told me that the original creditor is not allowed to give me any information.