23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have made several attempts to the actual party involved XXXX which could not help me because they no longer have my information actively i. their system. There has been an third party part taker whom, has bought this aledged account. Their contact information that they provided to Experian are false! Not accurate. How can you dispute or rebuttal any false information or charges on a fluke phone number. The number provided is an PROMOTIONAL NUMBER. I have written Experian in writing with this concern and I have been basically ignored. And they're keeping this account that does not have any chance of resolution do to false contact information on the third party whom has bought the XXXX account. XXXX themselves can not resolve this. ONLy by the information that Experian has put forth and it's not a contact. I'm sure they have not even TRIED the number themselves to actually see that it is in fact an promotional number. How? Can you leave an UNRESOLVED DEBT ON SOMENES CREDIT. It's not right. Thank you- so much to whoever, sees this please help me I'm trying to do better!! And there is an XXXX XXXX  account that I paid more than half and they refuse after being paid to take it OFF my account. Them saying they did not agree to is not true unless, in writing. I will be writing you all for that, too God bless and Thank you, again. Please help me.
Product: Mortgage

American Express endorses mortgages with XXXX. I didnt have the best experience with XXXX and thought it was weird that one financial services company would endorse a product from another company. I looked into it a little and found something in RESPA that these sorts of arrangements are illegal. I wanted to bring this to your attention as Im not sure American Express has the best interest of their customers in mind with this process.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX my husband and I put solar panels on our house. At that time there were news stories about people having trouble with leasing them. So we purchased ours. We took the loan thru XXXX XXXX and were told they would put a lien on our home. We were told specifically that this would not be a second mortgage, but an installment loan. If I had thought this would be a second mortgage I would have gone thru a mortgage company to obtain the loan. Unfortunately, we were late on this loan less than a year ago when my husband left his job. This was due to XXXX after the loss of our son 2 years prior. We sold our house in XXXX of XXXX and moved home to be near my family in XXXX  XXXX. We have been staying with a gracious family member while we attempt to obtain a loan for a home. However, we have been told that we can not obtain a loan because the XXXX loan is reporting as having been late within the last year and is considered a second mortgage. I have contacted XXXX a number of times ( XXXX ) in order to find out what kind of loan this was. I was told this was an installment loan on more than one occasion and even have an email from them stating so. However, they are telling the credit reporting companies this was a second mortgage and now we are unable to obtain a home loan. IN the least, this is false advertising, or a bait and switch. I can't believe the interest we paid on a loan that I could have had funded by any local bank for half the interest. And in the worst, I was lied to, if I had known they were reporting as a second mortgage, I would have waited a year before uprooting my family and moving across country. Please help.
Product: Checking or savings account

My name is XXXX XXXX XXXX XXXX XXXX XX/XX/year> my daughter put Check to our account in a week we couldn't use debit cards. When I went to the bank, I was told to wait and call the bank, they won't be able to do anything, and they kicked me out of the bank in XXXX once saying that you are no longer our client, today XX/XX/year> I don't have an active debit card, every time I call, they promise me to send a check in a week, next week, the last week, but in a week when I call, they promise to wait a week again. I'm a single mother raising my children alone. I don't know what to do, I know that someone is doing this to me, he just wants to steal my money and kill me with the children, I feel not safe and I ask you to help me, please. I was threatened and I know that these people are doing everything to me!!!! They found out that I have money in my account, so they want to steal it so that I don't get anything and XXXX XXXX. It happens to me more than once at Bank of America. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

About XX/XX/2020 I received a letter from my homeowners insurance payment was delinquent and that my insurance was going to be cancelled. I promptly called XXXX and asked why I was receiving this letter, wasnt that supposed to be paid through the escrow account, and the representative assured me that the payment would be sent next day air to avoid cancellation. That did not happen. 
About XX/XX/2020 I received a telephone call from my insurance broker telling me that my insurance had been cancelled due to nonpayment. I again called XXXX and requested to speak to a supervisor. I did not receive a call back. According to my insurance broker, the insurance company received the payment from XXXX after they has already cancelled the policy. I purchased replacement insurance that same day. I called XXXX back and I verbally requested that my escrow account be closed. I called on XX/XX/2020 and spoke with XXXX to check on the refund of my escrow account and he told me the request had to be done in writing. He provided an email to send the letter to. I again asked to speak to a supervisor. I received no return call. 
Then I receive an email that says I had to submit the letter through the website. I did so immediately. A letter from XXXX dated XX/XX/XXXX states that my hazard insurance is expiring. That is incorrect because I paid for a new hazard insurance policy. I again called and was told that there would be a resolution by XX/XX/2020. I again asked to speak to a supervisor. I received no call back. 
According to the XXXX website, when I check my account, the hazard insurance expired on XX/XX/2020. The letter stated that they were going to charge me, for the insurance that I did not have because of the irresponsibility of the escrow department at XXXX which caused my insurance to be cancelled in the first place. I called XXXX and a representative assured me I would not be charged. I asked to speak to a supervisor. I received no call back. 
On XX/XX/2020 I called and spoke with XXXX. She again assured me that I would not be charged and that she or a supervisor would call be back by XX/XX/2020. No call ever came. On a letter dated XX/XX/2020 XXXX stated that my case is under review. 
On XX/XX/2020 I called XXXX to check on the status of my case and was promised a call back. XXXX removed money out of my escrow account, for the insurance that I did not have because of their incompetency. I called XXXX the representative would not refund the money and would not transfer me to a supervisor. XXXX is an unresponsive, irresponsible and incompetent company. I would like my escrow funds returned. Including the funds they removed to cover their mistakes.
Product: Debt collection

This debt was satisfied on XXXX-2016. I have contacted XXXX regarding this debt asking them to remove this from my report as it has already been satisfied. I also sent them the letter they sent me stating it has been satisfied. They continue to call me harassing me.
Product: Credit reporting or other personal consumer reports

Your company has placed inquiries on my credit report without my approval, and its causing unnecessary harm to my credit.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress to this violation.
Product: Mortgage

my mortgage company failed to pay my county taxes for tax year XX/XX/XXXX in XX/XX/XXXX. So the XX/XX/XXXX taxes and the XX/XX/XXXX taxes were on my XXXX XXXX. This caused my itemized deductions to be too high and I ended up hitting XXXX and lost about XXXX in refunds. Because they paid the XX/XX/XXXX taxes in XX/XX/XXXX The escrow analysis for XX/XX/XXXX was not correct. The escrow analysis for XX/XX/XXXX showed a shortage of {$6.00}. The escrow analysis XX/XX/XXXX shows a shortage of {$4200.00} this is due to escrow not being calculated correctly for XX/XX/XXXX and was carried over to the XX/XX/XXXX escrow analysis. All the taxes were paid in XX/XX/XXXX but the amounts were not update in the escrow analysis. Basically I am playing catchup for XXXX years.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Experience and XXXX  allowed a debt and otherwise negative report to be placed on my credit reports even though this fraudulent account was created when I was a minor. This debt is not mine and was opened when I was a minor. I provided proof of my age and these credit reporting agencies have not removed this negative account
Product: Mortgage

MLD MORTGAGE, NJ ... " XXXX XXXX XXXX  '' In XX/XX/2018 I engaged in the mortgage process for a home we have been living in. Everything went well then, of course. Credit, income, employment, etc ... Was approved in its entirety. XX/XX/XXXX I received a commitment letter and email stating that I was fully approved. The company between the commitment letter I received and XXXX had a " walk out '' that included several higher up employees, due to mal-practice if you will. I was told not to worry my loan would be handled accordingly. So I stayed with them, trusting I would be sitting at the closing table soon. Come XX/XX/2018 I received an email stating they are sorry but my loan had been denied. How could it be denied if there was commitment and full approval. They proceed to explain that its because even though I have been XXXX XXXX for XXXX ', my recent switch to XXXX XXXX XXXX XXXX was part of the reason. Also my income ... Even though after expense I have more than doubled my income from prior years. My credit score went up since I applied for said mortgage. They declined me on false reasoning and was told it would be placed on the uppers deck for further inside investigation. Well now I'm here. And I will tell you all to steer far clear of this mortgage company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have mailed dispute letters to the company Navient in regards to validating student loan debt but I have not received anything information regarding the loans back in the mail from them they have failed to validate the student loans and they will not remove the accounts from my credit report. I sent these letters out in regards to all five of the student loan accounts that need to be validated but they havent been on XX/XX/2020. In the past they have wrongfully tried to collect on the student loan debts even while I was in school and still am a XXXX XXXX
Product: Credit reporting

not able to get Equifax report are XXXX repot there are XXXX credit card on my name XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

MERCEDES BENZ FINANCIAL SERVICES YEAR- 2023 In accordance with the fair credit reporting act this creditor has violated my rights 15 usc 1681 section 602 states that I have the right to privacy 15 usc 1681 section 604a section 2 states that a consumer reporting agency can not furnish an account without my written instructions 15 usc 1666b states that a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

Experian is extorting me to access my credit reports and attempting to charge {$24.00} month while also fraudulently reporting my score. 

They also did not meet the terms and conditions of the Identity Theft Protection, and never corrected my score due to misreporting of my credit history and score.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$4100.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$3100.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance : {$23000.00} XXXX XXXX XXXX Balance : {$6900.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$5400.00} XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX : {$23000.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX : {$3100.00} XXXX XXXX XXXXXXXX Balance : {$6900.00} XXXX XXXX XXXXXXXX Balance : {$5400.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX : {$4100.00} XXXX XXXX XXXXXXXX Balance : {$3100.00} XXXX XXXX XXXXXXXX Balance : {$23000.00} XXXX  XXXX Balance : {$6900.00} XXXX XXXX  XXXX Balance : {$5400.00} XXXX XXXX XXXX XXXXXXXX Balance : {$11000.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : XX/XX/year> SSN : XXXX Dear Sir or Madam CC : CFPB Please be advised that inquiries appear on my credit file due to identity theft. I have filed an FTC Identity Theft report which is attached : the items Violate U.S.C-1682 ( c ) ( 2 ) and must be blocked removed within 4 business days.

The following inquiries violate 1681XXXX and do not appear as result of any authorized transaction involving myself. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. 

XXXX XXXX XXXX  XXXX Date Opened XX/XX/2014 Balance {$35000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is a formal complaint against Transunion LLC. They reported an inaccurate information on my credit reports. 

I am very distressed that you have included the below information in my credit profile due to its damaging effects on my good credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. This is an inaccurate information and is a mistake on either your company or the reporting creditor 's part. Because of the mistake ( s ) on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle.

I'm sure you'll agree, the late payment ( s ) needs to be updated/deleted as soon as possible. The following information needs to be verified and updated from my credit report as soon as possible : XXXX XXXX- Account # XXXX ( 30 days late XXXX and XX/XX/2022 )
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX XXXX  ) was never late! I have had exceptional payment history witH capital XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports :
Product: Credit reporting, credit repair services, or other personal consumer reports

About 1 year ago I froze my credit with all three beureus. I now Tried to temporarily lift The credit freeze with equifax so that XXXX XXXX XXXX could check my credit to start a new account with them. Equifax employees now say that they can not find my file, despite me providing all requested information ( freeze pin, ssn, address, etc ) Thanks, XXXX XXXX XXXX
Product: Mortgage

On XX/XX/22 - RoundPoint Mortgage sent me a letter stating that my mortgage will be transferred to XXXX XXXX XXXX. They also cancelled my autopay with RoundPoint mortgage that was supposed to withdraw funds on XXXX. 

That is very little time for me to act so I can avoid a late payment. I don't even have information regarding fifth third bank and my payment is due on XXXX. That is gross negligence setting so tight limits. How can they send me a mortage transfer notice XXXX days before the payment is due and stop the autopay? This is unacceptable and improper treatment of customers.
Product: Credit card

I got a bunch of miscellaneous fees for XXXX synchrony bank secured credit card and got overcharged multiple times random unexplained interests and fees within the month of XXXX and was charged twice for a payment i made and my card balance is negative even though that is unaccurate as I had paid off my full balance as of XX/XX/year>, and I have statements to prove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern I was looking at my XXXX XXXX. It's been a really long time since I looked I noticed a bunch of inquiries I know that I never authorized or signed anything for these companies to run my credit. I believe this to be some type of fraud as I never went to any of these places or even tried to do anything with my credit until I looked at XXXX XXXX   on XX/XX/XXXX and noticed all this. My friend told me to come to you guys directly. Attached are screen shots of the inquries I am being accused of. I did not apply for any XXXX cards on following dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX   XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX. I would like all of these to kindly be removed. I am going to look into this more might have been my ex being spiteful. I honestly didn't do it.
Product: Checking or savings account

Citizens bank has refunded me XXXX for the money that was stolen out of my account imagining but there still matter the {$300.00} is supposed to be credited to my account for opening a new account and starting direct deposit I dont know why this wasnt addressed they only addressed one portion of it and thought they would fix it But this is definitely false advertisement and definitely an issue that needs to be handled I made deposits there a bank chose to break the deposits down to two separate ones one for XXXX one for XXXX so it didnt hit the XXXX mark so I wouldnt be eligible for the bonus which is completely ridiculous Ive tried contacting them like I said they did help with one matter but this is still outstanding issue Ive submitted the documentation prior to go along with us
Product: Checking or savings account

Pnc closed all 5 of my personal and business accounts when I had active disputes because my cards and phone were stolen they will not give me back any of my money or investigate the claims They have stolen my money and have ghosted me. Will not return my calls from the executive branch in XXXX or any local branch wont help me either Pnc stole my money
Product: Credit reporting

Experian is unreachable by any means. 
I applied for my annual credit report from Experian ( I requested it online through annualcreditreport website ). I was denied because " it had already been requested ''. I had NOT requested it in 2016. I noted on the annualcreditreport website problem option that I had not requested the report and explained my concern about fraud. I have a fraud alert on file because my social security number was fraudulently used to file a tax return. I am concerned that someone has fraudulently requested my credit report. 
I am unable to contact Experian. Every phone number, webpage, etc ends up in a deadend - I can not get a real person or even a means to submit a detailed email for response. 
How do I get in touch with a real person at experian to address the situation about someone else requesting my credit report.