23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My mortgage was transferred to NewRez Shellpoint in XX/XX/XXXX/XX/XX/XXXX. I made the XX/XX/XXXX and XX/XX/XXXX payments on time via electronic payment. I set up a recurring payment starting in the month of XX/XX/XXXX. When money was not drafted from my bank account, I checked the NewRez/Shellpoint website and the recurring payment had not worked. I paid the mortgage immediately. I was charge an {$85.00} late fee. I never agreed to any terms that I'm aware of regarding the late fee and did not pick NewRez/Shellpoint as my mortgage servicing company.

I tried to set up the recurring payment again in XX/XX/XXXX, but wasn't able to ( this time I believe because of the late fee that was on the account ), so paid the XX/XX/XXXX balance on time. I called in on 2 separate occasions to dispute the late fee charge and was told a complaint would be submitted and that they would reach out to me with the results via phone or email. They did not contact me. Upon calling in, I asked to speak to a manager and was told one wasn't available, but that the fee would not be reversed. Upon my 3rd or 4th time calling in, I was able to speak to a manager who accused me of lying, that the charge would not be reversed, and that I could submit a complaint via email, but when I asked who that email would be sent to, it was clear it would be sent to the manager I was speaking to.
Product: Checking or savings account

I accidentally sent a large amount of money to an unknown individual and could not get the money back. I was never asked to confirm the payment and I even reached out to the individual to get my hard earned money back and never got anything back. I then reached out to my bank as well as XXXX and neither company could assist me with receiving my funds back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a wrong account " American Express '' on my XXXX  credit report which declared as " Serious delinquency '', " Potentially Negative ''. I did submitted the dispute to the credit report company XXXX  twice but they responded that the account belongs to me. The account was opened on XX/XX/2017 in Texas. In the dispute I have provided all my information to the credit report company XXXX  and verified the addresses as well. But still the result came that the account belongs to me. I used to receive calls from a third party collection department named " XXXX '' for settlement 100/100 calls I have notified them that " I'm not the right guy that you're calling ''. In the calls they took my date of birth and verified that I'm not the guy that account belongs to. but still the account resides on my XXXX credit report. Please advise the next steps to eliminate this account from my credit report which is really hurting my score and other. Thank you your help would be much appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Saturday, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, TX XXXX SSN : XXXX | DOB : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX PA XXXX I recently reviewed my credit report and found unauthorized inquiries. 
I have already contacted the creditors below and they have not provided me with any proof that I initiated such inquiries, nor provided me with written authorization or any permissible purpose. Since they do not have my authorization, written nor verbal, I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
As you know, according to Section 604 of the Fair Credit Reporting Act, Permissible Purposes of Consumer Reports 15 U.S. Code 1681b, Subsection ( a ), the below creditors have not demonstrated any allowable permissible purpose - and any consumer reporting agency may furnish a consumer report under those circumstances and no other.

As such, under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general : If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

The following inquiries are unauthorized, and I ask that you DELETE them : Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : TRANS UNION Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX Complaint about the negligence of the XXXX Credit Bureaus and I alleged that they have violated the Fair Credit Reporting Act by inaccurately reporting information on my credit report with the late status of the accounts resulting in significant harm to my financial standing and reputation. I demand that they rectify these violations and provide me with an accurate and updated credit report immediately. These are the inaccurate accounts that I want them to correct : XXXX XXXX XXXX Balance : {$1200.00} ; XXXX XXXX XXXX Balance : {$590.00}.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, my Robinhood account was restricted due to alleged unusual activity. I promptly submitted all requested documentation, including a government-issued ID, a selfie, and bank statements, to resolve the issue. 

Since submitting these documents, I have made numerous attempts to contact Robinhood for updates and assistance : 1. I emailed their support team and was placed in line for a callback. However, the callback time was repeatedly pushed back, and I never received the promised call. 
XXXX. On XX/XX/year>, I received an automated email instructing me to call XXXX and provide my case ID. When I entered the case ID as directed, I was informed that the case was already dismissed, despite never receiving a callback or explanation. 
3. I reached out via social media ( XXXX ) on XX/XX/year>. Robinhood replied to my public comment asking me to private message them, which I did. However, I did not receive any further response. 

As of now, my account remains restricted, and I am unable to access or transfer my funds. I own and have full access to all connected bank accounts, and I have provided all necessary documentation to verify my identity. 

Requested Resolution : I seek an immediate review of my case, a clear explanation for the account restriction, and the release of my funds. Robinhoods lack of communication and resolution has caused significant inconvenience and concern. 

Thank you for your assistance in addressing this matter.
Product: Debt collection

I have disputed this with the credit bureaus three times and nothing has changed
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$10000.00} XXXX XXXX Balance : {$48000.00} XXXX  XXXX Balance : {$10000.00} XXXX XXXX Balance : {$48000.00} XXXX  XXXX Balance : {$42000.00} XXXX XXXX Balance : {$10000.00}
Product: Credit reporting

I HAD A LIEN PLACED ON MY HOME DUE TO OWING TAXES TO THE STATE OF MICHIGAN, WHICH SINCE HAS BEEN RELEASED XXXX OF THIS YEAR .... PAID IT IN FULL WITH MY REFUND, ALSO RECEIVED A LETTER STATING THE LIEN WAS IN FACT PAID IN FULL IN THE MAIL. 
THE CREDIT BUREAU ( S ) NEED TO UPDATE AND I AM SURE THIS WILL HELP MY CREDIT SCORE. THANK YOU FOR ALL YOUR HELP THIS IS A WONDERFUL VERY HELPFUL SITE, I AM SURE YOU ARE HELPING MANY!! 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 an account without my written instructions.
Product: Mortgage

Despite the fact that my mortgage is at an LTV of approximately 65 %, 5th 3rd bank force placed an escrow account on my mortgage, and has raised my monthly payments by over {$600.00} per month. I have a condo and all flood insurance and home owner 's insurance is collected through my HOA dues and paid by my HOA. I pay my property taxes myself directly to the county. 
5th 3rd force placed insurance on my property because they did not contact the insurance agent to get evidence of insurance when it was time to renew. Once I finally got that resolved, they stated they needed to set up an escrow account to collect for taxes for the year XXXX, due in XXXX. Again, this is despite the fact that I paid my own taxes in XXXX. 
I am in the process of refinancing, primarily to get the servicing of my mortgage away from 5th 3rd Bank. On my payoff letter, 5th 3rd is requiring payment of over {$3500.00} in XXXX property taxes that have not yet been billed, and that they are not going to pay, as they will no longer be the servicer on my loan. This has delayed closing on my refinance and cost me extra interest expense each day this goes on. They advised me to bring the additional $ XXXX to closing and they will supposedly refund it to me. DO NOT USE 5th 3rd Bank for your mortgage needs, or any lending need!
Product: Debt collection

on XX/XX/2018 I received ( 3 ) missed calls from XXXX. All calls were back to back at XXXXXXXX XXXX cst. The phone rang 1 time each call then hung up before I could answer which resulted in ( 3 ) different missed calls. I have taken a screen shot on my phone to verify the incident. I contact the number back immediately. The lady stated she was from Wakefield and Associates. I advised the lady that I just received ( 3 ) missed calls back to back from this number and that it was a violation of the FDCPA and CFPB. I asked if my number was on a automatic dialer system and she said no and didn't know why I would have been contacted ( 3 ) times back to back. She then went on to verify me and to tell me that I had a medical debit in the office and requested repayment to the client.
Product: Debt collection

Debt collector is in violation of several 15 USC 1692 fair debt collections practice Acts.
Product: Vehicle loan or lease

Hello I had a car loan with Wells Fargo and had multi payments applied incorrectly and would constantly have to call them to rectify payments. I contacted them about the settlement and they said I was in eligible, but I have difficulty believing them. I would love for someone to look into this matter.
Product: Credit card

Got a Cash app XXXX XXXX card ( prepaid debit cards issued by XXXX XXXX  ) in the mail on XX/XX/year> when I did not applied for it. There is no phone number, no address, no email address, nor website to contact Customer Service regarding the XXXX XXXX card on the physical card nor on the envelope that came with the card inside. Card have my Name, credit card #, CVV #, & EXP date. I ran a credit report on XXXX & do not see it on the report. What do I do now?
Product: Debt collection

No matter how many disputes I send to XXXX XXXX they send me the same information on this debt I allegedly owe to Capital One. They call me even though I told them to stop contacting me this debt is past my state 's statute of limitations and they still called me even after I put my phone number on the do not call list. One thing I noticed is XXXX XXXX does not mail me any contract I allegedly had with capital one just billing statements. Billing statements are by no means a contract. According to New yorks, statutes of frauds agreements must be in writing and Is signed by the party against whom the contract is to be enforced. I did not receive a contract with my signature from capital one therefore I would like them to stop verifying this alleged debt to XXXX XXXX and I demand XXXX XXXX to stop reporting it to all credit reporting agencies.
Product: Payday loan, title loan, or personal loan

this loan company is sending me preapproved loan offers to an address where i do not live at and is not my mailing address. i am getting in trouble by the home owner of that address because of this. i 've never applied for a loan with company. i 've never put this address down as my address. so i do n't know where this loan company is getting their information from.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.

I demand a deletion of all personal identifiable information from my consumer credit report. Please delete all addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses.

I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. Delete all information in the employer section as well.

Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 

Please send/mail an updated credit report once the changes are complete to my contact information listed below. 

Thank You. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX
Product: Debt collection

A year ago a XXXX XXXX XXXX XXXX XXXX contacted me claiming I owe a debt that I know for fact never happened. They claim I had a XXXX account years ago. I never made any large transactions using XXXX. I disputed this claim and reported it as fraud. They said they would delete it from their system. 

I contacted XXXX and they said that I never had an account and show no records or any transaction. They believe that someone stole my identity or this was a scam. 

On or about XX/XX/22 another company FBCS , Inc contacted me about the same debt owed. The original company XXXX XXXX lied to me and did not delete the debt, instead the soled my information to another company XXXX. I contacted them and gave them the same information. Neither company will provide me with any details as evidence or documentation to this fraudulent transaction. Both companies REFUSE to provide any evidence or documentation. Both companies continue to lie, and harrassment. Again I asked to dispute this debt and mark as fraud. 

On further investigation I have found out that XXXX doesn't even have account numbers as provided by these companies and as such the account number provided by FBCS Inc is fictitious. Both companies are financial fraudsters using made up debts and account numbers. They are scammers. Also after investigation FBCS and associated reviews and reports online I find out that they have numerous complaints with others doing the same scam scheme. 

I want this abusive fraudulent behavior and contact to stop immediately and for these companies to be held liable for this conduct. Both companies should be investigated. I will seek legal action against both companies if this does not stop immediately. If they sell my personal information again to any other company legal action will be taken. The original personal information was not provided by me and I question how they obtained my information in the first place. Possible identity theft used to scam. If they report this debt to the XXXX XXXX I will seek legal actions and sue for damages, unfair practices, harrassment, etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX credit card had XXXX balance in XXXX. XXXX fraudulently charged my account in XXXX XXXX. I had never dealt with them. XXXX investigated and agreed to remove the charges and late payment fees. The account was also closed at that time. But after numerous calls, the charges were still there. The bank was calling me daily for payment of fraudulent balance. Each of three credit reports dropped about 150 points. Filed complaints with Equifax and XXXX, but not XXXX. XXXX complaint was settled with the the balance being maintained by XXXX. Waiting for Equifax result. All credit reports are still down XXXX points.This was after XXXX promised to take care of the problem on their end two weeks ago.
Product: Mortgage

On XX/XX/year>, the sellers divorce lawyers court ordered to sell the house to me and my husband through a VA assumption with the current loan holder ; Freedom Mortgage. Not only does this benefit the sellers to save money on agent fees, but also allows us to assume the mortgage at 3.2 %. We have the cash to pay the difference between the assumable balance and market value. We are both well qualified buyers and have VA entitlement. 

Since XX/XX/XXXX, both sides of the transaction ( sellers and buyers ) have called numerous times to get information about the closing process and time frame. Our original packet stated once all required forms were submitted, closing would only take 45-60 days. That date would have been from XX/XX/XXXX. The communication with our loan processor has been non existent. Emails go unanswered and we have to call, whether our calls are successful or unsuccessful attempts, to reach the assumptions department as " they are to busy ''. When we do get ahold of the assumptions department, we are told someone will reach out to us with an update but, never end up getting a call back. Furthermore, we are all being told different information and time lines. We have yet to talk to our loan processor over the phone, though the assumptions department have read notes from her saying she spoke to us over the phone on XX/XX/XXXX and XX/XX/XXXX. Neither myself or the sellers have talked to XXXX, our loan processor. 

Furthermore, the assumption packet that was sent to us in XXXX, had three different closing estimates where the numbers did not match with our purchase and sale agreement making the closing costs for us XXXX more than what the sellers private title and escrow company projected. We have asked several times to have this corrected, but here we are still left in the dark as to what the closing costs will actually be. From XX/XX/XXXX, each week myself and the sellers are told by the assumptions department we should be receiving a call on Wednesday. Wednesday 's comes and goes with no call. We have also been told underwriting only takes 24-48 hours but that would have been from XX/XX/XXXX, according to the assumptions department. 

Both sides of the transaction need to financial prepare for mortgage and rent but we are being told even if we were to close in the middle of the month, the seller will be reimbursed that months mortgage and the buyers are expected to pay it even if the next mortgage payment is only a week away. 

Title and escrow have emailed Freedom Mortgage assumptions department and our loan processor for updates, with no reply. 

According to lending practices, you can shop for a home loan under one hard injury credit check that is good for 60 days. However, being this process is being drawn out, we will be receiving another hard inquiry. Today, I consulted with a real estate Lawyer who will be assisting us at $ XXXX hour and a {$350.00} demand letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've filed a dispute on several occasions with all three credit bureaus regarding my loan being paid in full over the last 2 months and my credit report still has not been corrected. XXXX is the loan servicer and it needs to be reported to all 3 credit bureaus immediately and this issued resolved as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has incorrect information about my former property. It has a list of numerous loss claims that supposedly occurred while I lived there XX/XX/XXXX to XX/XX/XXXX. The new owner can not get insurance through XXXX and is threatening to sue me because I allegedly did not report all the known damage. There were no claims submitted while I loved there. I called XXXX XXXX and they were unable or unwilling to help.
Product: Debt collection

Someone by the name of XXXX from " McKenzie Paul and Associates '' called and woke me up at XXXX PDT looking for my ( adult ) daughter. I live in XXXX ( XXXX ) Washington ( I 've worked for XXXX since 2012 ) ; they are in XXXX Texas. <P/>They did not identify themselves as debt collectors and refused to identify the purpose of the call - only that they were trying to contact someone with by daughter 's first name. They implied, though I 'm not sure they stated that they were a law firm. <P/>They gave a return phone number of XXXX, which appears to be their main number. Caller ID gave XXXX. <P/>I warned him that he woke me and I was on the west coast. After XXXX his company, I 'm more than a little upset that he woke me over a matter than does n't involve me. He 's kind of screwed up my morning schedule. <P/>Besides, calling before XXXX is a violation of the Fair Debt Collection Practices Act and the fact that he did not identify himself as a debt collector prevented me from giving him a proper warning. I 'd appreciate it if the CFPB did that for me.
Product: Debt collection

On XX/XX/18 @ XXXX pm I called this number back ( XXXX ) due to 2 messages left requesting a return call to discuss a debt. I spoke to a representative XXXX and he would not inform me what agency he represents. I explained he has a wrong number, and should discontinue these calls, I repeated our phone number twice, then he asked me what our number is. I explained again, they have a wrong number and to cease calling. He then raised his voice and spoke manner that was threatening. I stated I would notify a consumer agency to report this, or an attorney. He stated this conversation was over, and hung up.