23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Hello, I have been trying to settle my grandfathers property with Ce-Link ( https : //www.celink.com/ ) for since the beginning of XXXX through a deed-in-lieu forclosure. My experience throughout with Ce-Link has been a complete and utter mess, leaving my family unnecessary confusion and countless hours of time over the phone. We are in the middle of XXXX with still no resolution in sight. On XX/XX/XXXX I received the payoff amount and filed the paperwork providing all of the necessary documents. I was told that I would receive confirmation upon receipt and a followup within a month or so on the next steps. I was also told that I would be updated every step of the process. This has not been the case. I received zero follow up. When calling into Ce-links customer service, I'm placed on hold for a minimum of 10 minutes and need to explain the situation over and over again. When requesting for a follow up for a supervisor or manager, the agents say they will put the request in and I NEVER receive a call back.This is incredibly frustrating. On XX/XX/2020 I was contacted by the homeowners association of the property saying that their is an outstanding balance due to collection. I called CeLink, spoke to another customer service agent, and was told it was my responsibility to pay which made no sense. After calling back a new agent told me that they would escalate it to the right department. On XXXX, I was then forwarded a letter by sent to the XXXX XXXX XXXX XXXX  for the delinquent balance and that it would be off to collections shortly if the balance was not paid. I called Celink again now with a different response, claiming that I have a UCC Lein on the account for XXXX. This was news to me as I was told previously that no leins were on the property. At that point I finally demanded that I speak with a supervisor and was connected to XXXX XXXX. She assured me that the UCC Lein will be taken care of and gave me her email address. On XX/XX/XXXX, I followed up with XXXX over email. No response. On XX/XX/XXXX, I followed up again with XXXX over email on the status of the UCC Lein and balance owed for the HOA fees. No response. On XX/XX/XXXX, XXXX responded and told me to email the deed in lieu department to take care of the balance. I emailed the deedinlieu department shortly after with NO RESPONSE. On XX/XX/XXXX, I received a response back from XXXX XXXX claiming that a letter was sent on the XX/XX/XXXX explaining the outstanding items and that I would need to RESEND the death certificates of my grandparents because they weren't on file. These documents were sent countless times back in XXXX..absolutely ridiculous. After responding back to her asking where the letter was sent to, she did not respond. After countless efforts on reaching out to Celink to get this property closed with little to no response, speaking with a handful of different customer service representatives explaining the situation from the beginning, and not speaking to a supervisor or manager EVEN ONCE throughout this process, I have resorted to filing a formal complaint through this website.
Product: Credit reporting or other personal consumer reports

Failure to Properly Conduct Reinvestigations : Despite my numerous attempts to dispute inaccuracies on my credit report, Equifax failed to conduct proper reinvestigations into the disputed information. Instead, my disputes were dismissed without adequate examination, leaving inaccurate and harmful information on my credit report.

Reinsertion of Previously Deleted Information : Equifax improperly reinserted information that had been previously deleted following earlier disputes. This action caused undue harm to my credit profile and was done without the legally required notice.

Failure to Provide Adequate Written Notices : Equifax did not provide sufficient written notice of the results of their reinvestigations, leaving me unaware of the status of my disputes or the reasoning behind their decisions.

Failure to Ensure Maximum Possible Accuracy : Equifaxs flawed processes and deference to furnishers have resulted in ongoing inaccuracies in my credit file, which I have made multiple attempts to address.

Failure to Block Identity Theft-Related Information : Despite providing evidence of identity theft, Equifax did not block the reporting of fraudulent information and failed to provide appropriate notice when declining or rescinding such blocks.
Product: Mortgage

I applied for and was granted a loan modification from Shellpoint Mortgage Servicing. Prior to the modification my loan payments were {$5000.00} ( PITI ). The trial modification lowered the payments to {$4600.00} ( also PITI ). After making all the payments during the trial period my monthly payment was then raised up to {$5300.00} ( PITI ) ... more than {$700.00} over the trial payments and even more than the original payments I was making before applying for the modification. I could not afford the original monthly payment of just over {$5000.00} so was very happy with the {$4600.00} payment. I have tried over and over to get the post trial period payments lowered but have been unsuccessful. I do not understand and certainly can not pay this post trial payment of almost {$5400.00}. I recently received a notice that I am in risk of default. I am completely frustrated by Shellpoint 's indifference to the situation they have put me in.
Product: Checking or savings account

On XX/XX/2019 I went to Huntington Bank in XXXX to open up account that would pay {$200.00} if you made a deposit of {$10000.00} and maintained for 60 days. The lady opening account open the account that I did not ask for. She closed that account and open the account that will pay me the {$200.00} but forgot to put in the promotional code XXXX. The promotion stated {$10000.00} cumulative deposits have to be done within 60 days I deposit {$25000.00}. I've talked to a XXXX XXXX on several occasions and he told me someone is investigating. This was a problem created by the bank but the bank will not correct the problem.
Product: Checking or savings account

I am trying to set up with my Investment Banking to have my spare change when I use my debit card but to my investment account but my bank has blocked anyone and everyone from using this Investment Company it is not their decision it is my decision rather I want to invest with them or not
Product: Credit reporting or other personal consumer reports

I am not liable for this loan with XXXX XXXX, I do not have a contract with XXXX XXXX XXXX XXXX, they did not provide me with the original contract as I requested.
Product: Credit card

As a loyal Bank of America credit card holder for nearly a decade, I am deeply disappointed with the lack of seriousness and urgency the bank has demonstrated in addressing my identity theft case that took place in XX/XX/year>. Despite following all required procedures and providing comprehensive evidence of the fraud, my financial reputation has been severely impacted, jeopardizing my housing prospects all over a fraudulent balance of {$790.00}. 

The following steps were taken to resolve the issue : In-Person Visits : I visited a Bank of America branch on two separate occasions in XXXX and XXXX to speak directly with the branch manager. 
Documentation Provided : I submitted a police report documenting the identity theft, a written affidavit detailing the fraudulent activity, and proof of my identity. 
Impact of Negligence : Despite these efforts, Bank of America : Substantially reduced my credit limit. 
Reported a past-due balance to the credit bureaus, further damaging my credit score. 
The consequences of this mishandling are significant. My credit score has plummeted at a critical time when I am actively seeking housing. Bank of Americas failure to adequately investigate and rectify this situation has exacerbated the harm caused by the identity theft and added unnecessary stress to an already challenging situation. 

This experience reflects a breach of trust and an unacceptable lack of support for a long-time customer during a financial crisis. I expect immediate action to correct the errors, restore my credit standing, and provide the necessary support to resolve this matter.
Product: Mortgage

First mid XXXX I received an email saying my escrow was up about {$450.00} and I would be getting a check. I then called and advised Caliber that I would not want the check and to put back into my escrow account, because my taxes had already gone up due to the fact, I did wish my payment to go up. I was told they do not things like raise and lower payments and I disagreed and advised I would send the check back. I tried over and over to have anybody from that company help and they refused. Then in XXXX I got another email stating my payment was going up {$200.00} a month due to a short fall in my escrow. I called and still no return calls no help. This is the kicker I put {$50.00} in escrow on my XXXX bill knowing another short fall in coming and they placed into principal account instead. When I called no return call again. The person I talked said you are not allowed to add to escrow. They have stolen from missed you my funds and I want this company to be investigated. I called the VA and was advised this is a widespread practice for this company! If they can raise your payments, then they should be able to lower them. Either way to steal money is wrong and by not putting my funds where I ask them to be wrong!!
Product: Payday loan, title loan, or personal loan

I am XXXX XXXX and I'm submitting this complaint myself and there is no third party involved. 
I, XXXX XXXX, consumer, natural person, and original creditor of an open/end credit plan was denied my right of credit by THE AMERICAN EXPRESS COMPANY d/b/a AMEX. I was notified of this transgression of my rights, specifically 15 USC 1601- The Truth in Lending Act, by THE AMERICAN EXPRESS COMPANY d/b/a AMEX on XX/XX/2020 email. 
According to 15 USC 1602 definitions of The Truth in Lending Act, I as a natural person possessing an open-end credit plan was harmed by THE AMERICAN EXPRESS COMPANY d/b/a AMEX adverse action taken against me denying my rights, of which the civil damages pursuant to 15 USC 1640 ( a ) ( 2 ) ( A ) ( li ) are up to { S5000.00 }. THE AMERICAN EXPRESS COMPANY d/b/a AMEX is now civilly liable to pay me for the damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX XXXX. I have always made my payments on time. Ive contacted the bank about the issue & they continue to fail to provide me with verifiable proof. Ive disputed it with all three ( XXXX ) credit reporting agencies & they too are withholding any verifiable proof. I believe their records are wrong & Id like this matter handled ASAP. Please update to paid as agreed/never late. 
XXXX XXXX XXXX  XXXX Date Opened : XX/XX/2020 Balance : {$3400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This information is not mine and is included on Experian and XXXX reports : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX This is included on XXXX report XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX These are both addresses that my ex used to commit tax fraud. 
EX info : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm trying to cash a check at XXXX and keep getting denied. I called certergy to find out why and discovered that some checks I didn't write or cash are linked to my drivers license number. A while back I had my wallet stolen along with my id and explained this to them and told them that it wasn't me i then had them check my social security number and none of those checks were linked to that. So clearly whomever stole my wallet used my id to cash some checks.
Product: Debt collection

I am disputing the collection account with CAPITAL ONE account number XXXX, dated XX/XX/year>, with a balance of {$490.00}. This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that CAPITAL ONE, provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. XXXX Accounts : XXXX. XXXX XXXX XXXX # XXXXXXXX XXXX Navient #  XXXX Has violated my rights. 
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on an account under an open end consumer credit plan as late for and purpose.

Also, ACCORDING TO 15 USC 1681a- Definitions ; rules of construction.

( 2 ) Exclusions-Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s- 3 of this title, any- ( i ) report containing information soley as to transactions or experiences between the consumer and the person making the report ; ( LATE PAYMENTS ARE CONSIDERED TRANSACTIONS ) Therefore should not be reported to a consumer report.
Product: Debt collection

I am writing to dispute a tradeline on my credit report that I believe to be inaccurate and does not belong to me. The details of the tradeline are as follows : Creditor Name : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Amount Owed : {$4300.00} XXXX request that you provide proof that this debt is mine. Specifically, I ask that you supply the original signed document ( s ) bearing my signature or any other appropriate evidence that legally associates me with this debt. If you are unable to provide such proof, I request that you immediately remove this tradeline from my credit report.

As per the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ), I am entitled to a fair and accurate credit report. Section 1681i ( a ) of the FCRA requires that if information on a credit report is disputed, the credit reporting agency must investigate the matter and correct or delete any information that is found to be inaccurate, incomplete, or unverifiable within 30 days. Since the account in question is not mine, I am requesting that you comply with the law and remove this erroneous information from my credit file. 

Furthermore, under the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 et seq. ), I am entitled to request validation of a debt. I request that you provide the original signed document ( s ) or other evidence proving that I am legally responsible for this debt. If you are unable to provide such evidence, this debt must be considered invalid, and the tradeline should be removed from my credit report.

In my previous dispute attempts with the credit bureaus, I used the following dispute codes to try to resolve this issue : Code 1 : " Not My Account '' ( Fraudulent or Identity Theft ) Code 2 : " Inaccurate Information '' ( Account was mistakenly reported under my name ) Code 3 : " No Signature '' ( Request for original signed documentation or contract ) Despite these attempts, the account remains inaccurately listed, which is negatively impacting my credit score. As I have not been provided with any valid documentation proving my responsibility for this debt, I request that the incorrect tradeline be immediately removed from my credit report in compliance with the aforementioned laws. 

If the requested documentation can not be provided, I insist that this incorrect tradeline be removed from my credit report without further delay. 

Please respond promptly with your findings and any necessary actions taken to resolve this matter, as required under the FCRA and FDCPA. 

Thank you for your immediate attention to this issue.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Phone : XXXX ( XXXX ) XXXX Date : XX/XX/XXXX XXXX Department TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute of Charge-Off Entry on My Credit Report Dear TransUnion Dispute Department : I am writing to formally dispute a charge-off entry that appears on my credit report. According to 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate or incomplete information on my credit report. If the information can not be verified within a reasonable time frame, it must be removed.

The charge-off in question does not accurately reflect my credit history or the status of the account. I am requesting that you investigate and, if necessary, remove this charge-off entry from my credit report unless proper verification is provided.

Under 15 U.S.C. 1681i, credit reporting agencies are required to investigate any disputed information within 30 days and to provide written confirmation of the results of the investigation. If the information is found to be inaccurate or incomplete, it must be corrected or removed. The presence of this charge-off on my credit report is damaging to my creditworthiness and violates my rights under federal law. 

Please investigate this matter and remove the charge-off entry from my credit report if it can not be properly verified. I request a written confirmation once the investigation has been completed and the necessary corrections have been made. 

Thank you for your prompt attention to this matter. Please do not hesitate to contact me if you require any additional information. 

Sincerely, XXXX XXXX XXXX 15 U.S.C. 1681i Procedure in Case of Disputed Accuracy This section of the Fair Credit Reporting Act ( FCRA ) outlines the procedures for disputing inaccurate information on a credit report. It states : When a consumer disputes information on their credit report, the credit reporting agency must investigate the dispute within 30 days.

The agency must promptly notify the consumer of the results of the investigation.

If the information is found to be inaccurate or incomplete, it must be corrected or removed from the consumers report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted this company in writing 6 times. Twice its been corrected and as is today it has been changed again. This is a direct violation of protections under bankruptcy which has been discharged. Im furious. They keep changing the status to charged off and making sure that the information marks as derogatory. The ONLY acceptable reporting is closed and paid per the law.
Product: Checking or savings account

On XX/XX/XXXX, the beneficiary of my savings account XXXX XXXX, received a letter from Centerstate bank that my savings account was going to be closed in 30 days. Im the primary account holder and never received a letter. The current balance of the account is $ XXXX. I contacted my local Centerstate branch on XXXX and asked why my account was being closed and their response was its our discretion, please file a formal complaint. I have been a loyal customer for over 5 years with Centerstate bank. My accounts have always been in good standing. There have never been any fraudulent charges or compromises of my accounts. I feel I am being discriminated against and treated unfair.
Product: Money transfer, virtual currency, or money service

On Saturday, XXXX XXXX XXXX a XXXX to XXXX transaction was initiated at a XXXX. The amount was for {$300.00} to be transfered, so {$300.00} was paid. Leaving {$8.00} for the fee. This transfer was being made by an older gentleman that does not understand today 's technology, so he used cash and trusted that the employee. When the reciever went to pick up the {$300.00}, they were told they could not have the money and it was on hold. The seller ( the older gentleman was supposed to call XXXX to find out why. The computer system for that number makes it extremely difficult to get someone on the phone. The sender tried many times. After the reciever called that number 3 times they finally gave a number that would be answered by a person. That number only rang and rang. After XXXX hours of trying to figure out where this stolen money was now at and how to get it back the sender finally got ahold of a person. That person, an emplyee of RIA then began to ask him questions of what would be done with the money by the reciever. Then questions about using it to buy drugs. There is no reason that a money transfer place should be accusing an older gentleman that he is buying drugs because he used cash like in " the old days ''. This was a family member to family member transaction that took over XXXX hours to complete when it should have taken XXXX minutes, due to what? A random " survey " as RIA stated. There is no compensation to made for these acts. I was also informed that the XXXX employee was supposed to make that call to begin with. A customer should not be given that number. This was unexceptable and should be against the law. I d
Product: Debt collection

This company calls me every single day, several times per day, starting from XXXX XXXX and going through XXXX XXXX, from a new phone number almost every time. They do not leave messages, but when I return their calls they answer as Diversified Consultants , Inc . I have asked them to stop calling me, but they still call. I have also been on the Do Not Call Registry since the inception of the registry, updating my request each time I change phone numbers and every few years ( even if I have not changed numbers ). Collectors have been trying to collect from my phone number on a debt apparently owed by a XXXX XXXX since I got this number in 2010, and rather than removing this number from their lists, it gets passed along from collector to collector. This agency is the WORST in terms of frequency of calls and times of calls, and switching phone numbers so that I can not keep their calls blocked.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNT FROM XXXX XXXX DOES NOT BELONG TO ME SOMEONE USED MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN THESE FRAUDULENT ACCOUNT IN MY NAME I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA & # XXXX ; s. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting or other personal consumer reports

My XXXX XXXX account has been removed from Transunion report without any reason. 
I contacted both XXXX and Transunion to correct the inaccuracy and both blame it on each other and I am lost in the middle.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquiries on my credit report on equIfax that does not belong to me from XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XX/XX/XXXX and ive reported this to them on numerous occasions as well as sent in police reports and they refuse to take them off. I also have and XXXX/XXXX account on my XXXX in the amount of {$1400.00} that does not belong to me and is showing that is a late payment from XX/XX/XXXX.