23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

NewRez aka Shellpoint Mortgage has not paid any insurance or taxes from my impound account for one year now. Repeated calls get me nowhere. The people on the phone are completely useless and only read their scripts, never follow through and quite frankly have no business even talking to consumers. I am now looking for an attorney as they will not response to or resolve any issues I have. They are at fault 100 %. My house was 2 hours from getting a property tax lean and I had to pay the tax which were already impounded to prevent this. To make matters worse they increased my payment by 30 % to get more money into the escrow account. They are quite simply stealing my money which in my opinion is gross fraud and illegal practices. Mortgage companies must be accountable. If I miss a payment they ruin my credit and take me to court. This company must be taken over by the regulators. It is simply appalling that a company can operate in this manner, and not be accountable to anyone. They have had more complaints than any other company for months now. How is this allowed to continue! I have found hundreds of people posting similar complaints. Where is the oversight?
Product: Checking or savings account

BMO acquired Bank of the West and notified us in advance that everything would carry over and no issues would arise from this transfer and all our information ( including login information for online banking ) would be usable on the BMO website. However it appears that not only did the information not carry over but the Bank of the West debit cards are no longer working so i can even check my account or use my money at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having a problem getting my free annual credit report, I am entitled to annually under the Fair Credit Reporting Act ( FCRA ) from XXXX XXXX, Equifax and XXXX. Furthermore, I need my credit report released to all lenders, creditors, banks and credit unions.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureau is reporting a collection account with XXXX XXXX XXXX on my credit report. This is not my account and I have disputed to account several times with the credit bureau and the creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please provide me with the name and address of the original creditor. Pursuant, the XXXX XXXX XXXX XXXX Act Section 809, cease and desist the reporting of this item until you do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX are reporting incorrectly that I am ( 120-180 ) days late on XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, this account is being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This incorrect reporting is harming my credit score and these line items need to be removed from my credit report. I have contacted  the bureaus to remove these however, I have not been successful.
Product: Credit card

Comenity BankXXXX I owe $ XXXXcharged off XX/XX/2015
Product: Debt collection

The collection company EOS has failed to Validate debt said owed for client  XXXX   XXXX    XXXX    after several attempts sent to request proper validation. Attached you will find a letter from  XXXX   XXXX  a representative from  XXXX   XXXX  the balance is in the process of being reduced to  XXXX  dated on  XXXX / XXXX / 15 . This balance has been fully paid for by The Department Of Education. I do not have any contract or agreement with EOS or  XXXX   XXXX   XXXX .     The collection company  EOS  will not stop pursing me for a debt not owed.     I recently received a letter from your firm regarding an old debt from. Under the FDCPA, I have the right to request validation of the debt you say I owe you.     Under the Fair Debt Collection Practices Act, I have the right to request that you cease communication with me, and I would like to exercise that right. Please stop all contact with me, except to let me know that this matter is now closed.     Your immediate attention to this matter is appreciated
Product: Payday loan, title loan, or personal loan

XXXX XXXX XXXX billing issues : I lodged complaints before on this company & poor billing practices & double billing. Those complaints were lodged : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX. Now yet again having same issue I reported before & is reoccurring continuously. I will also duplicate this report to FTC as this company is very unsavory! I have made duplicate payments in error & this time I could NOT place a stop payment on check since check was already cashed. This is a loan for installation of a walk-in tub. Payments are $ XXXX month. Here is the breakdown of duplicate payments made in error as I keep getting notices : 2nd notice, or 3rd notice. Starting w/ XXXX of XXXX : Paid the {$150.00} on : XX/XX/XXXX ck # XXXX ; XX/XX/XXXX check # XXXX ; XX/XX/XXXX ck. # XXXX ; XX/XX/XXXX ck # XXXX ; XX/XX/XXXX ck # XXXX ; XX/XX/XXXX Ck # XXXX ; XX/XX/XXXX ck. # XXXX ; XX/XX/XXXX ck # XXXX. Plus, since last 2 checks were already cashed on XX/XX/XXXX I can NOT place a stop payment on these checks!!! So, as you can see, yes, my error also BUT the company is compounding the error because they keep sending out invoices for payment. I am a XXXX  on fixed income & have a visual impairment so sometimes I can NOT track past payments. So, I admit my error, so too the company should admit their error & not have cashed the last 2 checks. Plus no one had decency to call me to say that a duplicate payment was made!! Plus : I do not get statement stating what my loan balance is with all the duplicate payments made!
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 Subject : Fraudulent Activity on my credit report I am writing to dispute the actions of XXXX and laws they have broken against my rights as a consumer. 

These items are fraudulent and in violation of many laws for the following reasons : TRANSUNION is violating my privacy rights as a consumer according to 15 U.S Code 1681 ( a ) as far as accuracy and fairness of credit reporting and 15 U.S. Code 1681 ( b ) in not adopting reasonable procedures in accurately reporting my credit as a consumer.

Reporting transaction history is illegal and another violation of my rights by TRANSUNION according to 15 U.S Code 1681a ( d ) ( 2 ) ( A ) ( i ).

TRANSUNION has also violated my rights as a consumer according to 15 U.S Code 1681b ( a ) ( 2 ) as there has been given no written consent by me. This is also in violation of the Fair Credit Reporting Act.

My rights, stated in 15 U.S Code 1681c ( a ) ( 5 ), which says no consumer reporting agency may make any consumer report containing any adverse information besides the conviction of crimes, are being violated as well by TRANSUNION. 

According to 12 CFR 1022.3 ( h ) this is identity theft, because I did not give my consent to TRANSUNION, which is a crime and violation against another one of my rights.

TRANSUNION is being asked to block this information from my consumer report as per 15 U.S Code 1681c-2.

TRANSUNION has also violated the rights given to me as a consumer in 15 U.S Code 1681e ( a ) & 1681e ( b ) for allowing DEPT OF EDUXXXXXXXX XXXX XXXX  XXXX to furnish this information on my credit report in violation of FERPA ( Family Educational Rights and Privacy Act ) 20 USC 1232g ( b ), and by not maintaining reasonable procedures to assure maximum possible accuracy of my information as a consumer.

5 U.S. Code 552a ( 4 ) states that it is illegal for TRANSUNION to have any item, collection or grouping of information about me as a consumer, including my education and financial transactions while at the same time containing my name or other identifying numbers. This is in violation of my rights. 

5 U.S. Code 552b states that TRANSUNION violated my rights in disclosing this information without my written consent.

TRANSUNION has also violated my rights in regards to 5 U.S. Code 552b ( 12 ), as they have not obtained consent from me to disclose my information to any other consumer reporting agency in accordance with section 3711 ( f ) ( 1 ) ( E ) ( iii ) of title 31.

I am requesting that TRANSUNION have the item removed.

Enclosed is a copy of my TRANSUNION credit report as well as a copy of the fraud report I filed with the Federal Trade Commission. Please investigate this matter and contact the nationwide credit bureaus to have them delete or block the disputed item ( s ) as soon as possible. 

Warmly, XXXX XXXX Enclosures : A copy of my State ID & A copy of my filed identity theft report, A copy of my TRANSUNION credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCOUNT Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Original Creditor account is already 4-5 years old. A new company is showing on credit report as newly opened in 2021. It's stated NOT to communicate with creditor if it is an old account for that may, " reset '' the time clock of responsibility showing on credit report. I have had NO contact with new company, but it shows as fairly new account. This is not a fair practice as account is actually old and should be falling off my report. Original Creditor may have an account with newer company showing on my report, however, I DO NOT, and NEVER HAVE had an account with the new company, nor have I had ANY contact with them. PLEASE HELP, I've been dealing with this issue for far too long.
Product: Mortgage

Hi! We recently bought our home and our mortgage was bought by a company named Shellpoint Financial. We had them for roughly a month before we got notice that they were being bought out or our mortgage was being bought by a company called NewRez. We started this process back in XXXX or XXXX of XXXX. I just want to set up automatic payments and keep our military power of attorney form on file. Unfortunately neither one of these has happened. I have turned in by mail, phone and e-mail numerous copies of both the automatic payment form and the power of attorney form. The mortgage is in my husbands name and they sometime want to speak to him to verify and other times will talk to me. This has incurred a late payment EVERY month that we have had this company. And every month I have to call to make my payment and am told that a supervisor can help or whatever excuse Im getting with that phone call. I dont have the time or energy to call and complain to a company every month about paying my bill. Even the app doesnt work, to try to even look at my account. My husband is in the military and will be getting XXXX soon, and not being able to work with a company to get a resolution is absolutely absurd.
Product: Debt or credit management

I was trying to sell my home at XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/year> at full asking price and having trouble at selling and wasn't able to sell. I'm trying to do a short sale as of XX/XX/year> on my home to avoid foreclosure but mortgage company is denying the short sale. Loan number is XXXX XXXX XXXX Homeloan Serv. I have submitted all required short sale documents including offer.
Product: Bank account or service

On XXXX/XXXX/15, Chase alerted me to potentially fraudulent activity on my account. I verified that XXXX checks appeared to be fraudulent. I was told a fraud alert was being placed on my account. I was told that my account would be credited in XXXX business days. The next day, XXXX additional checks were presented. XXXX of them were not cashed due to insufficient funds. XXXX of them were. I called again to update my claim. Again, I was told that my account would be credited in XXXX business days. I called on XXXX to get an update and again, no credit, no additional information. On XXXX, I contacted the bank again assuming that some, if not all, of my funds would have been refunded. At that point, I was told that I needed to submit an affidavit. No one told me that previously. Nonetheless, I submitted XXXX shortly after it was requested. On XXXX, I contacted the bank again expecting to have my account credited as it 's the XXXX business day. Instead I was told that they had not assigned my claim, that it would take an additional 10 days to process, that they could do nothing about my the fees they assessed or the money stolen from my account until that time. My lawyer and I then spoke to their Executive Office seeking their intervention. The person I spoke to said that it would take XXXX to get any additional information. Due to Chase 's failure to protect my money, I 've been assessed fees by vendors, been penalized by another financial institution with which I have an outstanding loan, and have not been able to pay vendors. Chase ' failure is impacting my business negatively.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I already contacted the credit bureau agency on XX/XX/2023 and again on XX/XX/2023 through certified mail. However, they sent me an updated credit report stating the accounts have been verified. I need to have these accounts removed they are not mine. As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, I am requesting that the items be removed. 

XXXX : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX : XXXX I also submitted my identity theft report from the Federal Trade Commission, and my husband 's police report to the company, and they are still reporting inaccurate information
Product: Credit reporting, credit repair services, or other personal consumer reports

Citi Cards is hitting me with 2 hard inquires for XX/XX/XXXX and XX/XX/XXXX. I should only be hit with 1 inquire as both were done on XX/XX/XXXX. The confusion is it took an additional day to process the other part. I have spoke to them on the phone around XX/XX/XXXX about the situation and they agreed to remove the Inquiry on XX/XX/XXXX. 

Since than I have noticed no changes and I have put in 2 separate cases/complaints about the matter which both have passed the 30 day rule. 

I than called up Citi Cards again and they were unsure what to do and could not find my agreements in the files. I just hope they follow there original agreement as I have been a good cardholder with there company and plan to continue to be.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to get my free annual credit report from Transunion, through the .gov site. 

In order to get the report, they required a phone number to send a text code to log in. 

The text code never came, and when I tried to restart the process, the screen says that I've already received my one free report. 

There is no Chat feature on Transunion 's website to connect with personnel to resolve this problem. 

( By comparison, I had no problems getting my XXXX report through their link. )
Product: Payday loan, title loan, personal loan, or advance loan

Hi we purchased XXXX  for our house. The salesman came to the house. He measured and told us what we needed. We agreed and the salesman offered interest free payments. We signed up and they installed the XXXX. The installers were sloppy and drove in our yard. But the boss sent another team to fix things, clean up, etc. 

So we made our payments. We checked on line to see when we were done making payments. We found our that our balance went from XXXX XXXX to XXXX XXXX. When I called they told me the interest free time period had expired. The new rate is XXXX percent. I asked how that could happen. We didnt pay enough in the first XXXX months to pay off the loan We need help in resolving this. I guess we were too naive and trusted the salesman.
Product: Credit reporting, credit repair services, or other personal consumer reports

.I have contacted XXXX multiple times requesting an investigation to verify the debt and ask who opened and signed for these accounts. I also ask them to remove these fraudulent accounts reporting in my consumer file that do not belong to me. They have not mailed me any results and have yet to contact me regarding this matter. They are not cooperating with me at all. The accounts listed below were opened in result of identity theft. It is hindering me from obtaining credit and I need them removed asap. The accounts are listed here below. XXXX XXXX XXXX, XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX US BKPT CT XXXX XXXXXXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is AGAIN running a credit report without my authorization or applying for a credit or a job! The newest inquiry was on XXXX/XXXX/XXXX with experian and XXXX/XXXX/XXXX with XXXX. XXXX had refused to stop and was actually class action sued about this activity in XXXX! Experian removed the information after being contacted. XXXX has STILL failed to remove the fraudulent inquiries and XXXX just made ANOTHER INQUIRY AS DETAILED ABOVE! XXXX also breached my personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I told them that I need them to fixes both of one Is credit bureau reports & I need to fixes XXXX XXXX and XXXX XXXX credit bureaus reports & XXXX XXXX back ground record to they didn't listen to what I said to them on the telephone calls so I don't no what to do went they didn't listen to me about what I said to them on the telephone that's why I'm struggling right now because they didn't listen to me about what I said to them on the telephone call about fixes. XXXX XXXX and XXXX XXXX credit bureaus reports And XXXX XXXX back ground record
Product: Debt collection

Over the last 11 years I have been paying monthly and paid the last of it on XX/XX/XXXX of this year. Upon filing my taxes MCM failed to release me from the State of Michigan garnishments. I had no agreement for monthly withdrawals associated with a bank account throughout the 11 years. They made repeated attempts to get me to agree to a set amount, and if I failed that payment they would assess fees. Well that happened and a {$5400.00} fee was added to the debt. But I kept paying until it was done and I received the letter stating as such. So now they have taken {$1100.00} from my tax return from a garnishment issued from the court dated XX/XX/2020. 6 months ago. 
They failed to update my file with the state of Michigan. How many others out here are just like this? Paying to get free of debt and mostly the debt company 's that are difficult to work with. I paid this debt without discount! I over paid if full! 
Currently they will not receive my calls or respond after sending Emails to the president of Midland Credit Management, XXXX XXXX.
Product: Debt collection

I suffer from XXXX XXXX XXXX. I obtained an XXXX system from XXXX XXXX to assist with my physical therapy. XXXX assured me that it obtained all necessary approval from my insurer and that it was fully covered under my policy and that I would not have to pay out of pocket. I was previously pre-approved by my insurer for another provider, but used XXXX 's services based on their assurance that this necessary medical equipment was pre-approved by my insurer, as well as the fact that they told me the other provider ( who was pre-approved as a provider by my insurer, thus i would not have to pay out of pocket ) could no longer perform the fitting of the brace because it no longer had an orthotist. However, XXXX never obtained the pre-approval and later sent me a bill for {$7300.00}, and I am not sure whether or not it is true that the other provider did not have an orthotist at that time ( I trusted XXXX at the time ). 
I disputed the debt based on XXXX 's prior assurances and representations, but XXXX failed to respond and sent it to a collection agency. I am disputing this debt with the collection agency as well. XXXX is claiming I owe them money, but I do not based on XXXX 's actions, false representations, and unfair dealing with me. I uploaded a timeline and better explanation of all of the events.
Product: Money transfer, virtual currency, or money service

Im filling a complaint against cash app ( blocked inc. ) due to inadequate customer service and unfair practices which violates the consumer financial protection act ( CFPA )
Product: Checking or savings account

2 CREDIT CARDS, 2 Checking Accounts including my XXXX year old Daughters College Checking account were cancelled zero reason given zero notification by XXXX XXXX XXXX ; and BMO HARRIS NA HAS FROZEN MY NEW CHECKING ACCT. 

SO MY COMPLAINT IS AGAINST BOTH BANKS. 
My credit score is XXXX ; The one checking account I had since XXXX / 43 years!! When it was XXXX XXXX XXXX XXXX XXXX XXXX IL, then XXXX XXXX then XXXX 43 years. Same account ; I had over XXXX $ XXXX in the account in good standing with the Bank, I never {$1.00} of CC INTEREST IN 43 YEARS! l this is WRONG Have you guys READ SOME OF THE OTHER XXXX COMPLAINTS? 
3 OF THEM I ATTACHED FOR YOU BUT THERE ARE Hundreds like them ) ABOUT XXXX XXXX XXXX ON YOUR OWN WEBSITE XXXX ITS APPALLING!!! XXXX should be FINED. I closed the account ( they forced me to do so in person with XXXX XXXX XXXX of XXXX his info attached ) with {$20000.00} and my money has been Frozen by the Bank ; I HAVE NO ACCESS TO MY MONEY FOR 16 Days now Since XXXX, XXXX. I NEED ACCESS TO MY MONEY I HAVE BILLS TO PAY ; Sincerely XXXX XXXX XXXX