23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$350.00} n ordnance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered on each of the 3 credit bureaus a credit card account that I never approved to be opened. Once I received it in the mail on XX/XX/XXXX I immediately called XXXX/XXXX  letting them know they had made a mistake & I didnt want the card. They said theyd take care of it but I had no idea they registered as an open account & then a closed account staying on my credit report. This is affecting my overall credit history from where it should be. 

I am in the process of closing on a new home & pulled my reports to find this error. I contacted all XXXX bureaus ( XXXX, XXXX, & Transunion ) on XX/XX/XXXX & they all put in disputes to have it removed but said it could take 30 days, but I could try to expedite the process by reaching out to XXXX/XXXX  so on the same day XX/XX/XXXX I contacted them but they said they could not expedite it for me & it would take up to 45 days. I told them I do not have up to 45 days as the contract on this home is pending & I'm trying to get the absolute best rates but they didnt seem to care about us losing out on this home. We have now lost out on that home & am looking at another house now. Please help get this expedited to be removed immediately, thank you.
Product: Mortgage

On XX/XX/XXXX I received a notice from B of A regarding an escrow refund of {$3000.00} for escrow funds in my account. I immediately felt it was an error on the banks ' part and contacted them on XX/XX/XXXX and the service rep created a ticket to start an investigation ( ticket # XXXX ) and said call back on XX/XX/XXXX to find out the response. 

XX/XX/XXXX I call XXXX they said they couldn't reach XXXX XXXX , OH Tax dept. to see if my taxes were paid and if this was my money or if I needed to send it back to them. The said call back XX/XX/XXXX for a resolution. 

XX/XX/XXXX I call XXXXXXXX XXXX was on hold until XXXX they said they made an error and needed to verify one more thing with XXXX  who handles their tax information gathering and for me to call back XX/XX/XXXX for final resolution. 

XX/XX/XXXX I call XXXX was told to deposit the check into my account and then call back on XX/XX/XXXX to make an escrow deposit and ask them to rerun my escrow analysis. 

XX/XX/XXXX I call back XXXX and as instructed paid over the phone the refund I was erroneously given to replenish my escrow account. After they ran my analysis I was disputing with the rep my payment info because the math wasn't right. She said she would send me a statement to review. 

XX/XX/XXXX I receive the statement and my house payment was increased {$300.00} per month!! I went thru the report sent and seen a few errors that need corrected. One B of A recalculated my annual property taxes wrong. Per the county ( see attached ) my taxes are {$3100.00} per half which equals {$6200.00} per yr. They have {$9600.00} which is why they raised my payment so much. So that needs fixed. Second error is they passed on to me a {$310.00} tax penalty from the county that I shouldn't be responsible for due to the bank 's error. They have always paid the 1st half taxes of the previous yr in XXXX and the second half taxes in XXXX as property taxes are always in arears. 

I have had my loan with B of A since XX/XX/XXXX and have not had any problems. I pay like clock work every month. During this whole process I was told on multiple occasions someone reach out to me and they never did. I had to do all the leg work. Further more if I didn't take time to investigate and actually spent this money based on their faulty information I would have some serious tax issues later in the year when the county billed them for the taxes due.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

My father passed away in XX/XX/XXXX. I inherited the residential property he owned but was not the debtor on the property. I paid the mortgage to Wells Fargo after my father 's death as I was living in the property and I, after his death, held title to the property. Then in XX/XX/XXXX, I tried to refinance the mortgage loan as I was paying the loan but could not take advantage of mortgage interest deductions as I was not the debtor on the property. The bank my parent was associated with, XXXX informed me of a new ruling through the XXXX that would allow me, the son and inheritor of the property, to become the obligor of the debt without going through the process of application necessary when assuming a loan, as while paying the loan, I was unsure as to my ability to qualify for the loan and an associated home equity loan I was also paying, through regular channels. However, when I contacted Wells Fargo, they were less than helpful and have remained less than helpful. On XX/XX/XXXX I wrote to Wells Fargo and referenced the ruling of XX/XX/XXXX namely Application of Regulation Z 's Ability-to-Repay Rule to Certain Situations Involving Successors-in-Interest ; I attached the complete ruling to my certified letter to Wells Fargo Home Mortgage. Wells Fargo requested and received by Fax on XX/XX/XXXX : XXXX XXXX for my father, XXXX transfer at date of death, Quit-claim deed, and associated papers describing the property. However, even after all of the evidence of my ownership of the property, Wells Fargo continued to address letters in reference to my claim to my deceased father. They refused to honor the XXXX 's ruling to allow me to become the obligor, instead, they have continually said they would only allow me to make an " assumption '' of the mortgage loan through regular channels. I have spoken to them numerous times on the phone, the last being when making my most recent mortgage payment, when they again offered this option of assumption. Recently I was informed that the property insurance on my home was being cancelled in XX/XX/XXXX as the property debt is still listed in my deceased father 's name ; this situation is causing me great distress. Wells Fargo is disregarding XXXX and violating a XXXX even though they were advised of the ruling and of my willingness to become the obligor.
Product: Payday loan, title loan, or personal loan

I am making a complaint about the amount of times they call to collect a this debt. I am a month behind currently and they call multiple times a day. In the last week, they have called me multiple times. XX/XX/XXXX : XXXX and twice at XXXX. XX/XX/XXXX : XXXX, XXXX, and XXXX. XX/XX/XXXX : XXXX, XXXX, and XXXX. XX/XX/XXXX : XXXX and twice at XXXX. XX/XX/XXXX : XXXX and XXXX and today, XX/XX/XXXX : So far at XXXX and XXXX. 
I have the right to not be harassed by a debt collector and at this point, they are harassing me. I understand being behind and they need to make calls but you do not need to call me multiple times a day.
Product: Credit reporting or other personal consumer reports

I send dispute to the bureaus and I reacieve email from them saying I'm hired credit repair company for my dispute letters. Plese review and check the accounts below : OPEN LATE XXXX XXXX XXXX {$19000.00} XXXX XXXX, XXXX CHARGED OFF XXXX  XXXX. XXXX, XXXX {$520.00} CHRAGED OFF XXXX XXXXXXXX XXXX. XXXX, XXXX {$190.00} CHRGED OFF XXXX XXXX XXXX  XXXX. XXXX, XXXX {$80.00} CHARGED OFF XXXX XXXX XX/XX/XXXX {$0.00} OEPN LATE XXXX XXXX XXXX XXXX XXXX, XXXX {$950.00} INQUIRY XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Progressive Management Systems is reporting a debt on my credit file that I do not owe. I recently took a look at my credit file and noticed this debt reporting. I have consulted with the attorney general of California and know that this debt is past the statute of limitations. Progressive Management may no longer come after or sue me for the debt. Per the FDCPA if you can not validate this debt to me, you can not report. Reporting invalidated debt on credit can constitute fraud under both federal and state laws.
Product: Debt collection

To whom it may concern, A debt collection agency by the name of Aldous & Associates has been contacting me via phone, email, mail, and text to collect a debt that has been dismissed as fraudulent for over a year. Disputes were filed with all of the credit agencies that were approved and the collection removed from my report once their reviews were completed. Despite my informing the collection agency that the debts were confirmed as fraud and removed from my reports they continue to contact me attempting to collect the debt that I do not owe. These continued contact attempts have lead to this formal complaint being filed. This agency is unprofessional and refuses to listen to any information provided to them and they continue to cross the line with attempting to collect the funds that they seem to think I owe.
Product: Money transfer, virtual currency, or money service

I had an account with Robinhood for many years and they all of a sudden closed my account and won't tell me where m

y money is.. Ive reached out several times and all I get in response is this. Hello, Thanks for reaching out. Based on our records, it looks like this case has already been closed. If you still dont have the answer to your question, please create a new case through the Contact Us page.

Sincerely, The Robinhood Team
Product: Credit reporting or other personal consumer reports

I contacted TransUnion on XXXX regarding an erroneous account and creditors reporting fraudulent unauthorized inquiries ( XXXX XXXX ) and ( XXXX  ) on my consumer report after a XXXX min long conversation I was told a dispute was filed to get this inquiry removed as a result to violation of the congress Law 15USC 1681a ) 1 & 2 DUTY OF DATA FURNISHER and that would be the resolution. Well on XXXX I call TransUnion again to request the status of the dispute to check and see have any progress been made and upon checking I spoke with a representative who said no dispute was filed to remove the Hard Inquiries from Consumer report and no initiative will be taking even after I have expressed my concern and the severity of the magnitude. I told them they have violated FCRA Section 623 with what they have allowed to be furnished knowingly after I told them it should not be on my consumer report there job as a Data Furnisher is to ensure 100 % accuracy on my consumer report and I have not been provided that not only have they violated my consumer rights, but they also violated FCRA Section 623 and 15USC 1681a ) 1 & 2 with what they have knowingly furnished even after I have made them aware that its unauthorized and fraudulent and should be held accountable and fined {$1000.00} plus compensation for violating my consumer rights.
Product: Payday loan, title loan, or personal loan

Signed up for title loan in XX/XX/2023. I have paid XXXX on a loan of XXXX. I still owe the original XXXX. I asked how much they were charging on this loan and she said around XXXX I asked twice XXXX XXXX XXXX XXXX my balance not going down now Im concerned. The website to pay my loan isnt working nor the app. Please help me. They use to call to offer me extra money all the time now I havent spoken to anyone in a few months.title max XXXX XXXX XXXX XXXX. 
This was with TitleMax
Product: Credit reporting or other personal consumer reports

It has been weeks since I am not able to log in to my Transunion account. Although I type correct username and password, the system says either of them is wrong. I contacted with the contact us or support page explaining the issue. They said to clear the cookies and other things, which I did, however it did not work. They they told me they have deactivated the account, now i can make new account. So I did, and it again said that my username password is not correct ( after i successfully created the account second time ). Now, they deactivated the account for the third time. Still it is not working. I tried several browser, it is the same thing. 

I believe their sever system has the worst technology. I saw numerous complain against this company. This type of company, which provide impactful information to banks and other lenders, should not allowed to continue this kind of atrocious service. This is just a disgrace to customer service. I have wasted so much time by contacting them and following their instructions. However, nothing worked at all. This type of poor service should not be allowed to torture the people.
Product: Credit reporting or other personal consumer reports

I would like to dispute the following inquiries i never authorized.

XXXX XXXX XXXX XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Past
Product: Vehicle loan or lease

Nissan paid to XXXX XXXX, VA the Virginia Property taxes on this vehicle for the period XX/XX/XXXX to XX/XX/XXXX in the amount of {$430.00}. This amount was paid on XX/XX/XXXX. 

I purchased the vehicle at the end of lease on XX/XX/XXXX. 

XXXX XXXX refunded Nissan {$130.00} representing the portion of property taxes from XX/XX/XXXX to XX/XX/XXXX. They send a check to Nissan on XX/XX/XXXX in the amount of {$130.00} representing the pro-rated taxes for the portion of the period for which Nissan no longer owned the vehicle. The check was mailed to XXXX XXXX on XXXX/XXXX/XXXX and cashed on XX/XX/XXXX. 

I have reviewed this with Nissan Finance on XX/XX/XXXX and XX/XX/XXXX. Nissan continues to bill me for the full amount of {$430.00}. I owe Nissan {$290.00}. ( {$430.00} they paid less the refund of {$130.00} they received ) Nissan refuses to look into this or send a correct bill to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit report and noticed some inaccurate information on my credit profile
Product: Debt collection

I was sent a collection notice from Monterey Financial Services representing XXXX XXXX XXXX for a debt of over {$10000.00}. I informed XXXX XXXX this was not my debt but that of my spouse XXXX XXXX and I had no financial responsibility for this debt. I asked them to please remove the derogatory mark on my credit reports and to cease all collections. They first responded this debt would stay in collection and go after me but it would be sent to a supervisor for review and I would be contacted in 7 days. This was in XXXX, it is now XXXX. I contacted them again telling them to remove this from my credit report as it is causing big problems with me trying to obtain a mortgage, but there is no response or anything done.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I HAVE CONTACTED LOCAL AND FEDERAL AGENCIES TO MAKE CRIMINAL COMPLAINTS I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRAs. On XX/XX/2020, I mailed Equifax, XXXX 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: Checking or savings account

I am still having an issue of opening a Chase Checking Account online at chase.com because of the fraudulent account that was opened in my name. Chase originally informed me that fraudulent Chase checking account that was opened in my name, the fraudulent account was closed, I wasnt responsible for the fraudulent checking account and that I could go online at chase.com to apply for a Chase Checking Account, but when I try to apply for the Chase Checking Account online. The online system on chase.com stated theres already a Chase Checking Account that exist on record. Thats the fraudulent Chase Checking Account that has not being deleted or removed from chase online checking account application process or Chase Electronic Records. Full Name : XXXX XXXX XXXX, DOB : XX/XX/1974, SSN : XXXX
Product: Money transfer, virtual currency, or money service

On the evening of XX/XX/23, from XXXX to XXXX XXXX, in the XXXX parking lot in XXXX, TN, I engaged in a transaction with an XXXX man. I attempted to purchase a product from him, but he, suspecting me to be a police officer, requested a {$300.00} deposit to be paid into their bank account. After making the payment, he compelled me to provide my passport and driver 's license information for verification to ensure safety. Subsequently, claiming that my information could not be found in their system, he demanded an additional {$2000.00} deposit. Under duress, I transferred the amount to their account. They then began to threaten me, citing possession of my personal information, and warned of harm to my family if I did not provide more money. In the end, I had to compromise and transferred {$1200.00} to their account. Immediately after the incident, I fled the parking lot and the next morning went directly to the police station to file a report. I also submitted an application to the anti-fraud department of the XXXXXXXX XXXX, detailing the incident. However, the bank did not actively assist in recovering my losses. Two weeks later, they informed me that my application materials were incomplete, and they were unable to recover my funds.
Product: Debt collection

Receive repeated calls from XXXX for some type of debt collection. Leaves very little information, seems to be a scam. Business is not licensed in the State of Maryland.
Product: Checking or savings account

I received a solicitation from Citibank to open a Checking Account with a special offer to receive XXXX American Airlines AAdvantage with 30 calendar days of completion of certain " Required Activities. '' I opened the account on XX/XX/2023 and it has been over 30 calendar days since I have completed the Required Activities ( as confirmed to by over the telephone by a Citibank customer service representative ) but have not yet received my XXXX points. I have called Citibank customer service line multiple times and they opened an investigation. However, they concluded their investigation and sent me a letter stating that I would receive the bonus within 90 calendar days. This is directly contradictory to their written offer - an excerpt I have copied and pasted below : " Your American Airlines AAdvantage Bonus Miles will be credited to your open, eligible AAdvantage account within 30 calendar days from the date you complete Required Activities. '' Here is a link to their offer : XXXX : XXXX? XXXX & XXXX & XXXX & XXXX I also have the emails they sent me with the same language which I have attached.
Product: Mortgage

Near the end of XXXX, I reached out to Shellpoint Mortgage Servicing to inquire about mortgage payment options on our personal home since we rely on income from our two rental properties. It was possible, in the near future, that our tenants may have difficulty paying rent and we wanted to know our options. I called the main phone number and reached a customer service representative. I was told that Shellpoint could not give me any options unless I filled out the online form. I filled out the form and waited for a response. Over the next few days I completed more research and realized that forbearance only put off the payments until the end of the forbearance period. This type of plan would not help me. I decided to not pursue any mortgage options through Shellpoint.

To my surprise, I received a letter from Shellpoint dated XX/XX/2020 stating that we were enrolled in the forbearance plan. I did not agree to that. On XX/XX/2020 I called my point of contact, but I could not get through and the mailbox was full. I called again on XX/XX/2020, XX/XX/2020 and XX/XX/2020 to get the forbearance cancelled and the automatic payments started again. 
This, in it itself, wouldn't have been such a problem except that I was going through a refinance of my personal home at the same time. The new lender saw the " affected by natural disaster '' on my credit report and required additional documentation, assurances and time to evaluate. This credit report verbiage is code for Covid-19-related issues and the new lender was concerned about our ability to repay the loan. That verbiage should never have been on our credit reports and has resulted in payments of {$5100.00} in loan lock extension fees. 
I'm including XXXX documents. The first XXXX is the original loan estimate for the new mortgage loan on our personal home. It shows the lender credits as {$10000.00}. The second document is the closing disclosure showing the lender credits as {$5300.00}. The difference in lender credits is due to loan lock extension fees. The third document is a letter I wrote to the new lender explaining why our XXXX loan was erroneously placed into forbearance.
Product: Credit reporting 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 USC 1681. 

Account Name : XXXX  Account XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or a list of inquiries : 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 a 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: Credit card or prepaid card

enterprise pushed through XXXX dollars onto my XXXX  XXXX credit card without authorization and fraudulently. a year later pushed through XXXX on my adult daughter 's XXXX  XXXX card, fraudulently.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX, XXXX and TransUnion have violated my rights. 

15 U.S. Code 1681a.2 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

11.4K 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.