23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/XXXX I received a letter from the mortgage company stating they needed proof of insurance. I had insurance on my home when I bought it on XX/XX/XXXX. So I contacted the insurance company preferred mutual on XX/XX/XXXX it was then that I was notified the policy was pending cancellation due to non payment on XX/XX/XXXX. On XX/XX/XXXX I called XXXX XXXX XXXX  to inform them that I have insurance and it's due to be cancelled on the XXXX if they don't receive payment. They told me to tell the insurance company to fax the bill toXXXX and they'll try to overnight payment to them. I let a week go by and checked my escrow account the insurance payment still haven't posted. So I called the insurance company again the person I spoke with said it was faxed over on XXXX, then I called the mortgage company they stated they didn't receive it, and tell the insurance company to e-mail it to XXXX. I then called the insurance company with that information they stated that they'll get that done. at that time it was within a couple days of being cancelled so I waited another week the money still didn't post to my escrow account. Now because the policy has been cancelled I called my agent to let her know what happened and see what I could do about it. Since it had not been past 30 days since cancellation they can get payment and renew the policy. Now 3rd time call the mortgage company I was told to have my agent e-mail the bill to XXXX with the loan number in the subject box and they'll try to overnight a payment. Now once again didn't hear anything. All of a sudden I get a email from my mortgage company stating that my hazardous insurance is paid in the amount of {$1000.00} but the insurance that I have was only {$720.00}. I look online at my account it's some insurance that the mortgage company added meanwhile I don't have no type of paperwork pertaining to this insurance. On XX/XX/XXXX I called my agent to try to get my insurance back and couldn't because it was lapse for over 30 days, due to the lapse I can't get no competitive rate. the new insurance policy I have cost me {$980.00}. Called the mortgage company and had a fit. They said as soon as I get proof of insurance to email to the same email address previously they'll update the account and then I'll maybe get reimbursed. This was a issue that was not caused by me.. in reality had nothing to do with me all I was supposed to do was make my mortgage payments and that's what I did now I may have to suffer with the 30 day lapse for years this wasn't right at all
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America is reporting a debt on my credit file that needs to be removed. I recently took a look at my credit file and noticed this debt. I called and settled this with them as soon as I got the chance. I was unaware about a charged off amount so I apologize. I ask that they please remove the account from my file as this has been satisfied. If this account can not be removed I will have no alternative than to exercise whatever rights and remedies we have under the law to enforce the removal of this debt. Please remove.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX  XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX  XXXX  XXXX XXXX XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year>
Product: Debt collection

to whom it may concern, the following account was charged off. XXXX XXXX XXXX Original creditor SYNCHRONY BANK CARE CREDIT. this account is still being reported on my credit report as open. this is a misrepresentation of my credit obligations and is causing monetary damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting Act XXXX XXXX XXXX XXXX ( Acct # XXXX ) {$11000.00}, XXXX XXXX XXXX XXXX ( Acct # XXXX ) {$26000.00}, XXXX XXXX XXXXi ( Acct # XXXX ) {$300.00}, XXXX  XXXX ( Acct # XXXX ) {$860.00}, XXXX XXXX XXXX XXXX ( Acct # XXXX ) {$1600.00}, XXXX XXXX XXXX ( Acct # XXXX ) {$13000.00}, XXXX XXXX  ( Acct # XXXX ) {$13000.00}, XXXX XXXX ( Acct # XXXX ) {$13000.00}, XXXX XXXX XXXX ( Acct # XXXX ) {$730.00}, XXXX XXXX XXXX ( Acct # XXXX ) {$450.00} has violated my rights 15 USC 1681 section 602 ( A ) states I have the right to privacy. 15 USC 1681 604 ( A ) Section 2 also states a consumer can not furnish my account without written instructions.
Product: Debt collection

This company is illegally reporting their negative trade line on my credit report. I have no knowledge of this company nor due I know what this debt is about. I have never received any correspondence from them in regards to debt they claim I owe. I do not owe this company any money nor do I owe money to XXXX XXXX who they claim they work for. I do not have a signed agreement with this company or with XXXX XXXX This company is violating my rights under the FCRA under New York state law. They have 15 days from the date of receipt to remove their trade line from my credit report. Failure to do so will force me to take legal action against them.
Product: Checking or savings account

this is the letter that was sent by USPS on XX/XX/XXXX Dear BNY : Mellon : Debit Card Number XXXX XXXX XXXX XXXX Exp XX/XX/XXXX I made the debit card dispute on XX/XX/XXXX five days after XXXX XXXX XXXX XXXX XXXX XXXX said he the debit will be showing up in my debit card account soon. Finally, 17 days later a temporary credit of {$830.00} was sent back to my account. Then on XX/XX/XXXX the {$830.00} was sent back to XXXX XXXX XXXX. Now on XX/XX/XXXX I get a letter stating that I did not sent them a letter explaining my dispute. I was never informed that I was to do that in anyway. As a matter of fact, I gave Fidelity the story my on the telephone when I made the dispute/complaint. This was the complaint I already gave Fidelity. I had an accident on XX/XX/XXXX. I am truly very disappointed in myself, even though I I think the parking lot owner is liable. But that is for a problem with a different agency. After going through numerous auto body shops trying to find the right trustful, at the end my days venture I decided one recommended by The XXXX XXXX XXXX XXXX XXXX XXXX. I thought I should trust them knowing my XXXX  is owned by. XXXX. So, the place is called XXXX XXXX XXXX XXXX and the person I talked to was XXXX XXXX and said to myself if XXXX says he is o.k. then he must be o.k. So I Agreed to the down payment of {$830.00} to confirm the appointment to drop off on Monday XX/XX/XXXX. So, when Monday came we said our hellos and he wanted me to sign a paper that says there are dirt stains on all four of my seats. He also wanted a copy of my driver 's license when I said what for he said for insurance reasons in. case my car catches fire while in his shop. I I thought that was suspicious and canceled my appoint and ask to send money back to my Fidelity Money Market Account, He said it will be 3 days until it was show in my account after six days the money still did not show in my account, So now I am reporting this dispute to BNY Mellon Investment Servicing Trust Company and asking that my {$830.00} be returned to my money market account or a check be sent to my home address below.
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 3 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, GA XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # : XXXX ; XXXX XXXX  Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # : XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Debt collection

I checked my XXXX credit report on XX/XX/2019 and I noticed that a collection in the amount of {$310.00} was reported as a bad debt from the creditor Credence Resource Management. I do not owe this debt, and I have no knowledge of this debt at all. I was not properly notified by Credence Resource Management about this debt at all before they reported this to the credit bureaus. By law, creditors are required to contact a debtor in writing to give them knowledge of the alleged debt. I did not receive such notice to be able to to dispute this alleged debt. This is an illegal collection. This has ruined my reputation and credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. *** XXXX XXXX XXXX****
Product: Credit reporting, credit repair services, or other personal consumer reports

I entered a payment agreement for Account : XXXX in XXXX of XXXX the company stated that the agreement would make my next payment XX/XX/XXXX. However the date provided was incorrect and the next due date was XX/XX/XXXX, this is after I already paid three payments to make the account current. I request the company to update my account to reflect the payments accurately on XX/XX/XXXX and they directed me to file a CFPB complaint to resolve the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my Trans Union credit report and found numerous credit inquires listed that I have no idea who these creditors are that pulled my credit report! I disputed these fraudulent credit inquires with Tran Union ( XX/XX/XXXX ) and no action was taken or response as of XX/XX/XXXX! I am definitely a victim of Trans Union " inquiry issue ''! I called these creditors on my Trans Union credit report and all of the creditors advised me that no record of my name or social security number is on file for obtaining credit! The following inquires are listed on my Trans Union credit report : XXXX XXXX XXXX : XXXX XXXX XXXX ( showing twice the same month ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX-XXXX-XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX! XXXX XXXX is reporting me twice in one month XXXX, XXXX which is obviously insane!!!
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Date of Late Payment : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : The paymentS reported as late were made on time, as evidenced by my bank statements and payment confirmations. Despite providing this information in my initial dispute, the error has not been corrected. 
Additionally, under the Truth in Lending Act ( TILA ), section 15 U.S. Code 1637 ( b ), creditors are required to provide clear and accurate information regarding the terms of the credit. If the late payment reported does not align with the terms initially agreed upon, it warrants removal.

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX.
Product: Money transfer, virtual currency, or money service

Last week cashapp took {$13.00} out my account stating that XXXX pay needed {$13.00} I tried to reach out to costumer service no response or no answer
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2019 I contacted Capital One to discuss the financial hardship and unforeseen unemployment status and my husband 's situation with his XXXX and SSI pending hearing. Capital One assured the both of us and sent me an email in XXXX to confirm our phone conversation. I was informed that we wouldn't be penalized for late payments because we would be placed in 3-6 month no penalties and free of late payment worries. However, instead capital one reported those months of financial hardship and unemployment as late payments which are now impacting our credit report. I ask that Capital One remove those late payment recordings immediately on both of my cards including my husbands card who is XXXX and unemployed and does not receive SSI still pending hearing with judge/attorney.
Product: Checking or savings account

I transferred {$49000.00} from my old savings account into my Schwab account. For no reason, Schwab has indefinitely frozen my account, despite multiple hours on the phone with their customer services, and many different forms of identity authorization ( I've given them my SSN, the correct answers to my security questions, the correct balance in my account, and the correct answers to multiple public records quizzes ). They claim they can't see why my account was frozen. They also say they can only reach their internal investigators via email. No one can help me and now I can not access a large portion of my savings. My money is being held XXXX, for no reason, and without my consent.
Product: Money transfer, virtual currency, or money service

For four months I have been trying to transfer an IRA from US Bank to XXXX XXXX. For four months I have been unsuccessful. I have filled out multiple transfer forms, been to the local branch in XXXX many times, spoken with the corporate office multiple times, talked with XXXX XXXX at XXXX XXXX multiple times and I have gotten nowhere. The balance is around XXXX. I have filled out the transfer forms at least three times and XXXX XXXX has overnighted them each time and when I call US Bank a few weeks later they said they have not received anything. Is it possible they are that incompetent or that uncaring. I am not sure but all it would take is a simple phone call to XXXX XXXX to clear this up and they won't do it. I am sure they pick up their phone ten times a day and call their girlfriend but to do this for a customer is a no go. I was in the medical profession for forty years and we made calls all day long to solve problems. This is the worst experience I think I have ever had with any corporate institution. These people at the US Corporate office will not even call their branch offices to help a customer. Simply put they have been total XXXX  to me and after four months I have gotten nowhere. 
XXXX XXXX
Product: Consumer Loan

I was recently shopping for a pool loan and was referred to Lyon Financial by the pool contractor. I am a mortgage lender so I already knew my credit score and debt ratios before I started to call and get quotes. When I spoke to XXXX XXXX at Lyon I told her my score and was quoted 10.99 % for a 12 year loan and she directed me to the website to apply. After I applied I was notified the next day that I was approved but the rate was 12.99 %. When I asked why I was told due to my credit score. I then asked what my score was and it was exactly what I said when I asked for the quote. All I was told was that she was sorry but there was nothing that could be done. She asked why I was so concerned about a {$37.00} difference in payment. This was a typical bait and switch. I was not quoted a range, I was quoted an EXACT rate with that score. Now I have a credit inquiry that I would have never have done if I was quoted correctly at the beginning. Being that I am a mortgage lender, I just cant stand the fact that unfair lending practices still exist and I would appreciate if the CFBP looked into this.
Product: Debt collection

First credit services called me to inform me of the debt to XXXX XXXX XXXX, I agreed to pay the settlement fee of {$140.00} the day I tried to pay it I gave all my account info to the representative he then stated he had to redirect me to another representative and they said I would have to give them all of my account info all over again but with another representative I then explained to them that something wasnt right and I wanted something in writing validating the debt a letter, a bill, or a statement to show who they are the balance of the debt the settlement amount they never sent anything in writing a couple of other times they would call I explained I would take care of the debt as soon as I got something in the mail from them. Im not sure why I'm having such a hard time I believe I should have rights in obtaining something in writing from this collector
Product: Debt collection

Harassment, mocking me, nagging, does not record my calls! Does I have tried to pay in the past and the amount is never good enough
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 


Account Name : XXXX XXXX XXXX  # XXXX Account Name : XXXX XXXX XXXX  # XXXX Account Name : XXXX XXXX XXXX # XXXX
Product: Debt collection

On XX/XX/21 I called Amsher Collection Services to make a payment on a medical debt I owed. I have 8 accounts in collection with them since the medical facility seperated them all out. I called XX/XX/21 to make a payment on 2 of the accounts. One for {$96.00} and one for {$140.00} for a total of {$240.00} with the processing fee. I gave them my debit card infomation to process the payments for those 2 specific accounts. This would in turn close those 2 specific accounts and therefore reflect them closed on my credit report. I explained I would be calling in to make payments every Thursday from there on out. I told the representative I would physically be calling in to make the payments and not to post date anything. On XX/XX/21 I saw Amsher Collections had debited my bank account for {$240.00} without my consent and authorization. They did so which caused my checking account to overdraft and made my bank pull from my savings account which caused them to charge me an overdraft fee. I then checked my credit report and noticed my payments from XX/XX/21 were missapplied. The missapplied payments only closed 1 account instead of 2 which then caused a credit hit on the still remaining account. I called in to Amsher on XX/XX/21 to speak with a manager. I explained the situation to the manager XXXX, and told them of the multitude of errors they had caused. Missapplied payments causing a credit hit, drafting {$240.00} from my bank account without authorization. I told him to go listen to the call recordings and that each FDCPA violation could be hit with a penalty up to {$1000.00} not including legal fees. I explained I worked in collection complaince and if Amsher didnt want to reach a settlement on the phone I would be contacting the CFPB, XXXX, FTC . No resolution was attempted and XXXX ended the call. I am seeking a satisfactory resolution to the violations which not only caused my checking account to overdraft, but missapplied payments that caused an extra credit hit on an account that shouldve been closed if the payments had been applied correctly. If no resolution can be reached ill be contacting my attorney to subpoena the call records.
Product: Checking or savings account

On XX/XX/year> I transferred {$720.00} which totaled to be {$710.00} after the instant transfer fee ffrom my XXXX account to wells fargo. the next day wells fargo reversed the deposit because they thought it was fraudulent. I have been back and forth with XXXX and wells fargo. XXXX still has not received my money. Wells fargo refuses to provide any proof the funds were returned. The case was escalated to wells fargo excutive office. I have not received my money back yet. It has been well over a month and wells fargo is refusing to help me. 

Update : wells fargo still has not corrected the problem they said they sent the money back to XXXX. I talked to XXXX the issuing bank for XXXX and they said they haven't received anything from wells fargo. Wells fargo refuses to procide any proof that the money was sent back to XXXX
Product: Student loan

Student loans through Nelnet, being issued in chunks, each distribution is an individual loan. In my case I have 7. Payments are made as one sum which is a grand total of what's owed for each loan. If a payment of this sum is missed or late. It is reported to the credit bureaus as 7 individual hits. So because of one missed payment your credit is hit 7 times. Which means your credit scorXXXX could be dropped 80 points from one late payment. This does not seem like a proper or fair practice of reporting.