23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am owed {$41000.00} by Newrez, a mortgage servicing company. They cashed an insurance check for {$160000.00} that was substantially more than the mortgage balance on my house ( currently {$120000.00} ) and refuse to send me the overage despite my efforts since XXXX XXXXXXXX and my late fathers efforts for months prior to that. My late father is the mortgagee on the property, but I have owned the home since XXXX. 
My sister and I gave the down payment for our father to buy the house in XXXX with the understanding he would immediately title it back to us with a quit claim deed as he is not good with money, and we did not trust him to own a home with equity that we provided. My father died on XX/XX/XXXX, and I have been trying to work with the mortgage servicing company ( Newrez ) to get funds paid back to me that were sent by my insurance company in error above the amount of the mortgage. Newrez refuses to cooperate and is trying to steal my money.

I sent all the requested documentation ( my ID, the quit claim, the death certificate, a copy of the insurance check, a copy of the check they sent my father that did not clear the bank as Newrez canceled the check, a bill from the contractor ). My sister and I have now paid the contractor over {$20000.00} each of our own money while we wait for Newrez to give us the money that our insurance company intended to pay to us. 
I called on XX/XX/XXXX, emailed the requested documents on XX/XX/XXXX, called on XX/XX/XXXX, emailed the requested documents on XX/XX/XXXX, called on XX/XX/XXXX and XX/XX/XXXX. I was told each time up until XX/XX/XXXX that I was authorized to speak about the account and that they were either processing a check to me or processing my successor of interest in the property. On XX/XX/XXXX I was told that they could no longer speak with me, but they couldnt tell me what else they needed. I spoke with two people on XX/XX/XXXX, the first said that they need authorization from the owner to speak with me, and I explained that I am the owner so they are asking ME to authorize speaking with ME. They also asked for a will that says I own the house, and I said again that my father had no will and no estate since he was poor, and I am the legal owner and have been since XXXX as shown on the deed. The second person simply said that they cant talk with me and call back in 7-10 business days. This company continues to change what they ask for, asks for the same thing multiple times after receiving it, says they can talk to me then that they cant. They continue to mail correspondence to a vacant house in a state I dont live in despite repeated asks to email me or mail to my home address. They are just sitting on my money as long as they can and likely hoping that I give up and go away so that they can keep my {$41000.00}. I sent them by mail a packet of everything they asked for twice to the same XXXX XXXX but addressed to different attention departments per their request, and later also emailed the same items per their request. They simply are trying to scam me out of my {$41000.00}.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington , DC XXXX Re : Case No. XXXX Complaint Against First Progress Card Dear Consumer Financial Protection Bureau , This letter is in response to the complaint identified as Case No. XXXX regarding First Progress Card 's reporting practices. I would like to address certain inaccuracies and provide clarification on my experience following the filing of my initial complaint. 

Upon calling First Progress to inquire further, I was informed by one of their agents that the account in question had been transferred to XXXX XXXX XXXX, effective as of XX/XX/year>. This transfer occurred after the filing of my complaint, and as a result, I reached out to XXXX XXXX XXXX at the number provided ( XXXX ). The representative at XXXX confirmed that they had just received the account on XX/XX/year>, and thus were unable to report on the account at the time of my inquiry. 

Furthermore, I would like to bring to your attention that the information currently being reported on my credit file is inaccurate. Specifically, the name reported/connect to this account is " XXXX XXXX, XXXX which is not correct. This misrepresentation constitutes a violation of the Fair Credit Reporting Act ( FCRA ) under 15 U.S. Code 1681e - Compliance procedures, which requires that consumer reporting agencies follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

In conclusion, I request that the CFPB address this issue and ensure that both the inaccurate reporting of my name and the overall reporting of the account are corrected in compliance with the FCRA. I also ask for a thorough investigation into whether First Progress and XXXX XXXX XXXX have followed the proper procedures regarding the transfer and reporting of this account. 

Thank you for your attention to this matter. I look forward to a prompt resolution. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I applied for an auto loan through my bank. The loan was not approved due to social security/and or credit reporting information discrepancy. The bank associate informed me to contact Experian due to my personal information being incorrect on Experian after verifying my personal information on file with the bank. On XX/XX/year> I contacted Experian to get assistance with my issue. I was able to speak to a specialist. I explained my reason for calling and the specialist accessed my Experian account and did find the mistake. My social security number was off by one number and the specialist asked me to verify my full social security number. They stated my information was updated and also disclosed to me the two lenders that had incorrect personal information on file. I asked the specialist if a dispute still needed to be filed to correct my credit report and the specialist stated a dispute was no longer needed due to my personal information being updated. I asked the specialist if the correction would take affect immediately or if I would have to have wait until the process has been cleared. The specialist stated it may take two weeks or the next credit report cycle. I then called the two lenders disclosed to me by Experian and had my social security number updated which was also off by one number. On XX/XX/year> I called my bank to reapply for the auto loan again, which to my dismay was not approved for the same reason -social security and/or credit report information discrepancy. On XX/XX/year> I applied for the auto loan again. The loan was not approved for the same reason -social security and/or credit report information discrepancy. On XX/XX/year> I called the Experian customer service line to speak to a specialist about my issue. I was only met with the automated message system each time. When I stated to " speak with a specialist '' the automated message system would respond with " I can only transfer calls in limited circumstances. '' The only options after that were " self-help automated system '' or " end call ''. On XX/XX/year>, I called the Experian customer service line again, same outcome. I was not able to speak to a specialist those three days I called the customer service line.
Product: Checking or savings account

To Whom It May Concern, I am submitting this complaint due to an extremely distressing and misleading experience with Marcus by Goldman Sachs, an online banking service. This issue has not only disrupted my mortgage closing process but has also resulted in substantial financial losses and unnecessary stress. 

Issue Overview : 1. Misleading Information Provided : I specifically inquired with Marcus customer support about transferring funds directly from my Marcus account to my mortgage escrow account. Marcus assured me that this would be possible. Relying on this information, I proceeded with plans to initiate the transfer. 
2. Denial of Service : When I attempted to transfer my down payment as advised, Marcus abruptly denied my request, claiming I did not meet their criteria for this type of transfer. This was never disclosed in my initial inquiry, and it left me in an extremely difficult position with very limited options.

3. Lack of Accessibility and Transfer Delays : As an online bank, Marcus does not provide in-person services, so obtaining a cashiers check directly from them for my escrow account was impossible. My only remaining option was to transfer the funds from Marcus to my XXXX XXXX account to access a cashiers check from a physical branch. However, even this transfer has been subjected to significant delays. An entire day has passed without completion, delaying my closing and incurring costly penalties. 

Financial and Emotional Impact : This situation has forced me to reschedule my closing date, resulting in a heavy fine. I am experiencing severe frustration and financial strain, as I feel powerless over my own money, forced to operate within Marcus restrictions and at the mercy of their processing times. I placed trust in Marcus based on the assurances they provided, and this experience has shattered that trust, making me feel exploited by their misleading claims and inaccessible services.

Request for Action : I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) investigate Marcus by Goldman Sachs for providing misleading information and failing to facilitate access to customers own funds in a timely manner. Marcus should be held accountable for the financial burden and stress caused by their inadequate service, and necessary steps should be implemented to ensure no other customer endures this kind of experience. 

Thank you for your attention to this matter. I hope for swift action to prevent future customers from facing similar harm. 

Sincerely, XXXX XXXX
Product: Debt collection

On XX/XX/XXXX, I contacted IC Systems regarding a credit report entry they had placed. During the conversation with representative XXXX, I verified my identity and requested transaction documents and contracts. XXXX mentioned that these had been sent in XXXX, but I explained that I never received them due to errors in my last name. Stressing the importance of accurate information, I pointed out XXXX 's failure to inform me of my right to dispute the account, which is a violation of the FDCPA. Additionally, she refused my request for payment history information, suggesting I consult my bank statements. I expressed concern that if my name and number were inaccurate, other details might be as well. XXXX responded, " This account has already been substantiated. " She directed me to go online and make a payment. She continually stated, What amount are you willing to settle for today? I will be happy to get that approved!
Product: Credit reporting or other personal consumer reports

CFPB Complaint Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX D.C. XXXX Subject : Complaint against TransUnion for Inaccurate Bankruptcy Information on Credit Report Dear Consumer Financial Protection Bureau, I am filing a formal complaint regarding an inaccurate bankruptcy entry on my credit report that has not been resolved despite my attempts to have it corrected. Below are the details of the dispute : XXXX. Company Information : Company Name : TransUnion Company Address : XXXX XXXX XXXX XXXX, PA XXXX Phone Number : ( XXXX ) XXXX ( TransUnion ) XXXX. Nature of the Complaint : I am disputing the inclusion of a bankruptcy on my credit report that was filed with the { XXXX XXXX XXXXXXXX } XXXX The bankruptcy was reported under reference # { XXXX } and listed the date of filing as { XX/XX/XXXX } Court # ( XXXX ). I have received a memorandum from the original creditor confirming that they have not sent any information regarding this bankruptcy to the credit bureaus. 
According to the Fair Credit Reporting Act ( FCRA ), specifically Rule 623 ( a ) ( 5 ), the original creditor is required to submit accurate and verifiable information to the credit bureaus. The information regarding the bankruptcy is therefore incorrect and must be removed because the original creditor has stated they never reported it. This violates both the Fair Credit Reporting Act ( FCRA ) and the provisions of 15 U.S.C. 609 ( a ) ( 1 ) and ( 2 ). 

3. Actions Taken : On XX/XX/XXXX, I sent a written dispute directly to TransUnion requesting the removal of the bankruptcy from my credit report, citing the memorandum from the original creditor confirming they did not report this bankruptcy. I attached the memorandum as supporting documentation. 
4. Impact on Me : The bankruptcy that appears on my credit report is erroneous, and it has negatively affected my credit score and my ability to obtain credit. The continued presence of this inaccurate information is causing harm to my financial well-being.

5. Desired Resolution : I request that TransUnion immediately remove the inaccurate bankruptcy entry from my credit report. The information has been confirmed by the original creditor as not having been reported to TransUnion, which makes its inclusion on my credit report a violation of the Fair Credit Reporting Act. 
I am attaching a copy of the memorandum from the original creditor as evidence of the inaccuracy. 
Please investigate this matter and take the necessary action to ensure the information is corrected or removed. I am looking forward to your prompt attention to this complaint and a resolution in my favor. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple letters describing the errors in my credit report. I have asked them to provide a written contract with my name on it and they failed to provide sufficient prove and they failed to do it. I have sent multiple letters asking them to update my credit report as well they failed to comply. I know my rights as a consumer and I feel they continue to violate my civil rights. 
This has been affecting and hindering my ability to receive funding for a home. This needs to be addressed immediately. Experian has been negligent to my requests and I feel it is discrimination against me.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been stolen. While I was trying to purchase my first home through a first time home owners program I was told when they pulled my credit that there was no way I could become a home owner with all the derogatory items on my account. The accounts showing on my report do not belong to me. They are fraudulent accounts please remove them from my report. 

XXXX XXXX XXXX XXXX {$790.00} XXXX XXXX XXXX XXXX {$970.00} XXXX XXXX XXXX {$440.00} XXXX XXXX {$970.00} XXXX  XXXX {$790.00} XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX {$870.00} XXXX XXXX XXXX {$790.00} XXXX XXXX XXXX {$120.00} XXXX XXXX {$790.00} XXXX XXXX   XXXX {$5900.00} XXXX XXXX {$14000.00} DPT ED/XXXX XXXX {$6000.00} XXXX XXXX XXXX XXXX {$3500.00} XXXX XXXX {$4000.00} XXXX XXXX {$2600.00} XXXX XXXX {$2600.00}
Product: Credit reporting or other personal consumer reports

I am reporting my identity theft report to XXXX. A account on my experian consumer report
Product: Debt collection

Hello, I received a letter in the mail from Fbcs consumer contact solutions. The letter stated that if I paid XXXX dollars they would wave the rest owed and settle my account. This did not happen so I tried contacting them 3 different times. Once by e-mail on XX/XX/2021 requesting a call back an an explanation as to why my account was not settled. Second attempt was by e-mail and phone on XX/XX/2021. The person who answered the phone told me I would need to contact a different department and leave a voicemail with my account number, name, and that Id like a settlement letter e-mailed to me. Third attempt was the same day XX/XX/2021 leaving a voicemail with requested information. 

I did not receive the requested letter in the 48 hour period mentioned it took on their voicemail. I did however receive a letter dated XX/XX/2021 showing a balance minus my payment amount. 

My belief is this company scammed me out of money with XXXX intention of settling my account like they said they would. I have tried twice with one credit bureau to have the status corrected and each time it was denied saying the amount owed is correct. 

I do not know what else to do to resolve this issue at this point. If I were scammed by this company I feel its important to report them so they are unable to continue to do it to others.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I filed a dispute with Equifax regarding a XXXX XXXX account listed on my report. I received a report from equifax ( confirmation # XXXX ) stating the account was verified. I sent a follow up letter on XX/XX/2021 asking for a re-investigation. I received no answer. On XX/XX/2021 I se t a factual dispute regarding this account as it was still reporting on my credit report. As of today XX/XX/2021 I still have not received an answer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Day, I am XXXX XXXX XXXX and my reason on reaching out to you is to complain on XXXX  for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECIVED MY LETTERS.
Product: Debt collection

On XX/XX/2021 XXXX XXXX responded to : complaint number XXXX XXXX XXXX XXXX XXXX has conducted research. Validation of the debt from the original creditor has been sent to the consumer at the address XXXX XXXX XXXX XXXX has on file. Our Help Desk is available to assist consumers and may be reached directly via telephone at XXXX. However, on XX/XX/2021, I submitted a complaint with documentation on XXXX XXXX, XXXX XXXX XXXX, which had been referred to the Federal Trade Commission on XX/XX/2021. 
XXXX XXXX, has not provided to any verification of the debt, nor has their client provided me or them with a validation of the debt. I have made several good faith request in writing via certified mailing to all companies referenced above. Per the attachments. You will notice my health insurance XXXX, paid the XXXX dept. You will also, notice the subrogation letter, where this debt was paid as part of a auto accident settlement. Additionally, I have requested from XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX the collection agency additional documents showing how I own what is being disputed. I sent certified mailing, and none of the companies responded or acknowledged receipt.
Product: Payday loan

I just received a call from a company called Concord Resolutions in XXXX, ny. They claim I owe a payday loan from 2011 from XXXX XXXX XXXX XXXX which is now supposed to be XXXX in the amount of XXXX I 've never heard of these people! They 've given me 10 days to pay and a couple of payment options then they will start calling again.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following credit inquiry that appears on my credit report. I believe this inquiry was made without my authorization, and I am requesting it be immediately removed under my rights granted by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

I did not provide authorization for this inquiry, nor did I initiate any transaction or credit application with this entity. As this inquiry was made without my consent, I request that you promptly investigate the validity of this inquiry and remove it from my credit report as required by the FCRA. 
Under the FCRA, I have the right to dispute any incorrect or unauthorized information on my credit report. I expect this matter to be addressed in a timely manner and for the inquiry to be removed within the 30-day period outlined by the FCRA. 
Please provide me with a written confirmation that the inquiry has been removed from my credit file, or let me know if additional documentation is needed to resolve this matter. 
Thank you for your attention to this urgent request. I look forward to your prompt resolution of this issue.
Product: Debt collection

I had an agreement to pay on medical bill monthly. After sending in payment for XXXX it was turned over to a collection agency. This however, may not have happened if I had not gone to the billing office to dispute a charge. On several occasions when I pay my co-pay at the doctors office I am later billed for it. I tell them I have my receipt, they tell me its for Lab work, they send it to collection. Collection called to tell me its for Lab work, I go to Billing Office, show my receipt for office visit paid, they tell me its for Lab work, I paid the amount they ask for to get it out of collections. I called Insurance Company, they tell me I do not pay for Lab work if it is done during my visit. The Insurance Company calls the Billing Office, told them I was not responsible for the bill. The Billing Office was to call Insurance Company and Physicians Office to confirm charges, however they did not call the Insurance Office, Physicians Office or me. They will not accept calls from anyone concerning this bill. I do not dispute owing the medical bill, I do dispute the amount because they have accepted XXXX payments since turning it over to collections. I believe that a company should honor their agreement when given. I do not want to lose the physician I have now, but if I have to change I will go back to the old clinic ( never had a problem with billing ). I am not the only one that has had this problem, the ones I have spoken with are afraid of losing their physician. This company is to large to resort to these tactics. I have paid my bill down from around {$3400.00} to XXXX, why send it to collection now? I did not receive a statement this month, but I sent the payment I agreed to pay. The statements you receive are very confusing, its as if they do n't want you to know what you owe or what you have paid.
Product: Debt collection

I've tried to settle the dispute amicably and have the itesm with American Express deleted from my credit reports. 

I spoke with American Express representative XXXX XXXX who disclosed on XX/XX/21 at XXXX that the account can not be reported to a credit reporting agency and payment or non-payment of the account will not affect my credit score. I have a voice recording of the American Express official. 

The American Express acounts are being reported negatively and the data is from 7 yeara go and is improper. 

I agreed to settle, in good faith one acocunt, but the collector, XXXX XXXX refuses to delete the item s its collector denote and clesr the item.