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

I did not authorize nor consent to the following inquiries being furnished on my consumer reports. 
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 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 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 XXXX EQUIFAX XXXX XXXX
Product: Checking or savings account

On XX/XX/2021. I received a debit card from BMO Harris Bank for a checking account that I did not open. It was clearly an ID theft issue. I filed a report with the Federal Trade Commission XXXX report # XXXX XXXX, the local police department. I contacted the BMO Harris bank multiple times via phone calls and email with the documents they requested since then. Till today I did not get any written communication from them. I was not even allowed to talk to an associate with their Fraud department ( assuming they have one ). Every time I call BMO Harris, they play ping pong for an hour and then they say we are working on it ... 

This is a bank that opened a checking account for someone out of state without any usual verifications that decent banks do. 

Any help is appreciated.
Product: Debt collection

Received phone call from Southern Management Systems on XX/XX/XXXX attempting to collect over {$600.00} based on a lease I guaranteed for my daughter which ended on XX/XX/XXXX. I requested they send me detailed information about the debt including copies of all invoices and charges. I disputed the debt with them, I have not received any further followup from them explaining the nature of the debt. 

If they amount owed is valid, they should have contacted me prior to 9 months. They have already reported it as a bad debt to credit reporting bureaus, yet I still have not received any further information about the debt. I contacted them to follow up on the dispute on XX/XX/XXXX, they could not tell me the status of the dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX, I was contacted by American Express by phone that my account was delinquent and that I needed to set up a payment plan later that month to avoid my account being charged off and sent to a collection agency. I called back after I was ready to set up a payment plan and after I had made sure I was speaking to someone with American Express who was authorized to set up a payment plan. Though I was told that they could not re-age the account, I was given two options : pay a lower amount to settle the debt, or pay in full in installments to be eligible for a new account. I chose the latter, and paid off the debt ahead of schedule in XX/XX/XXXX. In XX/XX/XXXX, I received the application for a new American Express XXXX card, completed it, and was approved for a line of credit of {$600.00}. That same month, I disputed the status of the old account as it had never been a charge-off. It was removed briefly with an improvement on all 3 credit bureaus of about XXXX points. A week later, the remark reappeared, and neither American Express nor the 3 credit bureaus have been cooperative in permanently removing the remark. My call to American Express was routed to 5 different people, only to be told I would have to speak to someone at American Express headquarters. AMEX HQ told me I'd have to talk to the person in XXXX with whom I set up the payment plan, and that they had no ability to check records as their departments aren't connected. AMEX will not provide me with transcripts of the phone calls. This runaround is ridiculous, with one half of the company not knowing what the other is doing. I obviously paid as agreed when I received the new American Express XXXX card from a XXXX XXXX XXXX XXXX XXXX XXXX, Utah. I was told AMEX doesn't issue new accounts to a former cardholder whose account was charged off, for several years, which is why I agreed to pay in full. This is causing a severe hardship in obtaining credit for personal and business purposes, which has deprived me of thousands of dollars in lost income. This company isn't " American Express '' anymore, and has outsourced jobs to third world countries to save a few bucks. They know you can't get the agreement in writing so they must think that most people will just let it go. I know I'm right, I know AMEX never wrote off my account as " bad debt '', I know that claiming to do so would be considered income tax fraud, and I'm not letting this go until I receive justice.
Product: Mortgage

Nationstar Mortgage refuses to supply proof of XXXX XXXX approval of a XXXX transfer of our loan from XXXX after we submitted a completed first lien loan modification packet. Nationstar states they have no modification documents from XXXX. The trustee ( XXXX XXXX XXXX ) stated that Nationstar had started the foreclosure process and we owed them money. We requested verification of the debt from XXXX and they replied back stating they could find no record of our account. Nationstar changed the locks on our home and took our personal property. We filed a complaint in California Superior Court Our investigation leads us to believe that Nationstar has XXXX and is not our loan servicer.
Product: Mortgage

I have been struggling to pay my mortgage. I tried to make a payment with the stimulus check I have received and they will not accept payments, they want the full amount that is behind? Why can't they work with me when I am trying to make a payment?
Product: Prepaid card

I have been having a major problem with XXXX XXXX Prepaid Card taking money from my account not wanting to replace it back nor show me no proof of wats going on. I had to link debit card to my bank account to get statements and transaction history they have caused me to loose lots of money after contacting them multiple calls recorded and all they still attempt to let whoever unauthorize my account with multiple cards stealing money I have asked for my money to be sent back check form and account closed. The representatives supervisors and all are very rude very bad language no help at all total disgrace.. ok I 'm filing this complaint bc I know if it does n't feel good to me it do n't to others and no one should have to worry about their money if loaded on a card it being stolen each month.. But the most serious thing that got my attention was they paid a insurance company like it was me XXXX so when speaking to the letting them know I did n't set up the account they cancelled account and willing to refund money XXXX XXXX still have n't no given me that!!! Actions need to be taking asap I have police reports and all u can contact me XXXX XXXX at XXXX email XXXXXXXXXXXX are at my address XXXX XXXX XXXX XXXX Texas XXXX Thanks
Product: Credit card or prepaid card

APPLE/Goldman Sachs is not sending billing statements except through the mobile wallet. 

If you close the card and remove it from the wallet, you can not get a bill. 

They did not notify me that i was late for over 30+ days. 

They can not find PDF statements from XXXX or XX/XX/2020, only XXXX and XXXX based on phone calls on XX/XX/2020 and XX/XX/2020. 

This is affecting my credit report. 

This is causing me to get fees and finance charges unbeknownst to me. 

None of this is disclosed up front. 

I closed the account months ago and paid the outstanding balance so I thought I was done. I closed the account because they would not waive a 1st time late fee for one day late because I didn't hit the final payment button on my phone the prior day. 

They can't tell me what day i closed the account. they do not keep good records.
Product: Money transfer, virtual currency, or money service

I sent {$150.00} to my son through XXXX. He never received the money even though it was taken out of my account. I called M and T. They said call XXXX. Called XXXX. They said talk to bank.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT # XXXX  XXXX XXXX XXXX  XXXX XXXX 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 card

On XX/XX/year> a charge was made on our credit card for {$800.00} by XXXX which was unauthorized. The vendor had sent us e-mails indicating that a prior purchase would expire and we had the option of renewing should we wish. We elected not to renew and the vendor charged us anyways. We provided Elan with the e-mails showing the relationship expired and indicated we did not renew. Despite showing this information they elected no to deem the purchase as fraud and put the charge back onto our account without having the vendor provide any proof we elected to renew the service.
Product: Debt collection

Received a phone call from an alleged ( Pro collect ) XXXX or XXXX credit debt collection agency regarding an apartment that was rented, which the operator ( XXXX XXXX and XXXX XXXX ) stated we still owed {$1000.00}, to which we have never received a bill or contact from the Latitude Apartments XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. On XX/XX/XXXX we turned a 60 day notification and asked if we would be able to move out by XX/XX/XXXX, we were told yes they were unable to find our lease, so we proceeded. We turned in the keys and left a clean apartment on XX/XX/XXXX, after that we proceeded to call the apartments on several occasions, to ask if we owed anything we were told no. We proceeded to leave our forward information for any future questions, still not receiving any bill. The collection agency has been a nightmare, very rude staff, and unable to help us resolve this mistake, continually threating to ruin our credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had a late payment on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payment for the account : XXXX XXXX XXXXXXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Product: Money transfer, virtual currency, or money service

On XXXX XX/XX/2022 I woke up to an email from PayPal stating that I can no longer do business with them and that they decided to permanently limit my account because my account was found to have a potential risk associated with it. The email I was sent has been given the following reference ID : Ref ID - XXXX and was sent on XXXX XX/XX/2022, XXXX. The email sender was XXXX. I have been an active user on PayPal for the last 8 months, having my account on permanent limit deeply cuts into every aspect of my life. The night before XXXX XX/XX/2022, I had attempted to withdraw an amount from my PayPal account I did not end up to complete the transaction. I am confused, would this be the reason why my account had to be put on permanent limit or what? I feel like I deserve a succinct clarification because I really do not understand this at all. I also realized that earlier on, PayPal had demanded that I was to confirm my identity, You've exceeded a regulatory limit on payments you can send in a year. To comply with regulations, we need to confirm your identity as the account owner. This will help you avoid account limitations. For some reason, I did not see the notification early enough ; just in case this was the reason I deserved a temporary limit until I confirmed my identity. I went ahead to confirm my identity and it was approved as of XXXX XXXX but still the account is on limitation. I've tried to contact PayPal about the same but the only response I got back was an automated message that didnt help to resolve my issue.
Product: Checking or savings account

A place that said they were a lender through XXXX XXXX has scammed me into thinking I was getting a loan for up to {$9000.00}. So while speaking with them on the phone the lender stated that they needed information as far as my account number and routing number, my wife was the person speaking with them and provided that information. The next step was they continued to ask for other information reguarding the bank as well.. They wanted passwords and username in order to mobile banking the money into the account. After all that, they deposited check # 1 into the account for {$2300.00} but it had PAY TO THE ORDER OF XXXX XXXX, that was also forged with a endorced signature that was not mine. I did not know anything about a fraudulent check. Check # 2 was deposited in my account for XXXX, about 3 hours later. I notified the bank and let them know about how I think its a scam. The USAA bank said it was my wife fault for being scammed, and that when my military check gets deposited every month the bank was going to take the money. The US treasury called the bank and told USAA to return my direct deposit back to treasury since the account had fraud going on, the bank did not do so.. Now I am left with nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted numerous complaints about my accounts being inaccurate but they tell me they received accurate information that I'm responsible for these accounts but didn't furnish me with any documentation I'm responsible. I'm requesting all three bureaus show me proof of ownership to these accounts. Disputed these accounts last year of XX/XX/2018. These accounts are, XXXX  XXXX account # XXXX XXXX  & Equifax # XXXX XXXX   XXXX XXXX account # XXXX Equifax & XXXX & XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law XXXX XXXXXXXX Balance : {$580.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX  XXXX  XXXX Balance : {$550.00XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX  ) XXXX Balance : {$350.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$610.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$660.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$840.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Opened XX/XX/XXXX Balance is {$470.00} Original creditor XXXX XXXX XXXX  Jefferson Capital System Opened XX/XX/XXXX Balance {$2600.00} Original creditor : XXXX  XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$1000.00} Original creditor : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$640.00} Original creditor : XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX  XXXX  Opened XX/XX/XXXX Balance {$300.00} Original creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  My information was stolen and sold on the black market. My credit has been ruined and I am having an extremely hard time getting these accounts that arent mine off my report. Ive been trying for ten years to take care of this and it seems to do no good. Ive filed reports/complaints about my identity being stolen and nothing has came from it. Ive put freezes, and flagged my credit but I have all these new things keep popping up that are not mine. Someone even filed for unemployment in my name with my info and has tried to file my taxes to get my return. I have quiet a few inquiries on my credit that arent my doing and these accounts that arent mine. Please help!!!
Product: Mortgage

Today 's date is XX/XX/2019. 

ISSUE - NEWREZ and acquired XXXX 's mortgage loan servicing business. 

NEWREZ says, and I quote Welcome, XXXX Homeowners! 
The servicing of your mortgage loan will soon transfer to NewRez. We look forward to working with you and were dedicated to providing you with exceptional service. We understand that a servicing transfer can lead to a lot of questions. 

To help you through the transfer process, here are several key dates and some answers to common questions : Dates Events XX/XX/2019 The servicing of your mortgage ( collecting your payments, paying your property taxes and homeowners insurance bills, etc. ) transfers from XXXX to NewRez. We can start accepting your payments, but we wont be able to process them for at least 7 days. You will still be credited for the day you make your payment. 

XX/XX/XXXX XXXX Well be loading your mortgage information into our computer systems and testing the data for accuracy and completeness. NOTE : During this time, well be able to access only a limited amount of information about your loan. 

XX/XX/XXXX Your loan will be fully active on our systems, and well be able to process your payments. Weve also created a set of helpful online tools that can make managing your mortgage simple and easyall you need to do is set up ( register ) your online account. 

SO - on XXXX the loan was supposed to be " fully active on our systems ''. 

Three days later NEWREZ has no record of my loan - it isn't active in their systems. NEWREZ lied when they claimed it would be on XXXX. 

On or about XXXX, XXXX I called NEWREZ only to be informed, by their agent, that, wait for it ... 

" THE LOAN IS NOT ACTIVE '' The consequence of which he stated that NO INFORMATION is available and NEWREZ can not process a payment The agent changed the web story above to says that it takes, " about 10 business days ''. 

Not what is on their web splash page Well that's not what NEWREZ 's website has published and what customers are counting on AND IN THE MEANTIME XXXX HAS RETURNED MY XXXX MORTGAGE PAYMENT, TRANSMITTED VIA XXXX ACH ON MY BEHALF. 

So I SMELL AT RAT NEWREZ has already started down the road to late fees, charges and derogatory credit information. 

All NEWREZ seems interested in is initiating a new loan to refi my existing loan.

And guess what? I called NEWREZ and they said they had a better new loan than my 4.25 % loan with 13 years remaining. Fees? Oh they said the fees would be made up with my savings on the new loan. Can you belief this pile of horse feathers? 

What a scam! 

FINALLY XXXX is the poster child of poor customer service and has numerous anti-consumer consent agreements which bolster this position. They are the other side of this transaction and may well be complicit in this problem. 

None the less it is NEWREZ who is the bad actor in this case.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. In previous months, I requested updating of inaccurate information which another credit reporting agency found to be inaccurate and had verified. Due to your lack of response, or responses which I classify as frivolous, you have dishonoured FCRA regulations and my request for verification. If you wish to correct this dishonour, I will give you one more chance to correct your errors and update my records. Please CORRECT the accounts, as they are already corrected from the other bureaus. You have 30 days to CORRECT these accounts listed below : XXXX XXXX XXXX XXXX .... Date Opened XX/XX/2019 Balance $ XXXX Late dates XXXX, XXXX XXXX XXXX XXXX .... Date Opened XX/XX/2019 Balance $ XXXX Late dates XXXX, XXXX XXXX XXXX XXXX .... Date Opened XX/XX/2019 Balance $ XXXX Late dates XXXX, XXXX XXXX XXXX XXXX .... Date Opened XX/XX/2019 Balance $ XXXXLate/Open Late dates XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX continues to violate the law claiming that the information they are furnishing is 100 % accurate and complete, when in fact it is not the case. Again, caught in a lie, I have uploaded the document where they show the balance that is owed. The amount owed on their invoice shows XXXX but on my credit report with Experian it shows {$9200.00}. Clearly, they are not reporting 100 % accurate information, and I demand that they remove the account immediately from my credit report. They continue to play around and justify their incorrect reporting, but it seems that recently XXXX got caught misreporting and tarnishing people 's credit report with incorrect information, straight from the cfpb website. 

https : //www.consumerfinance.gov/about-us/newsroom/cfpb-orders-toyota-motor-credit-to-pay-60-million-for-illegal-lending-and-credit-reporting-misconduct/ Specifically : Furnishing false data to consumer reporting companies : XXXX XXXX XXXX falsely reported customer accounts as delinquent for failure to make monthly account payments even though customers had already returned leased vehicles, and the company did not promptly correct the negative information it had sent to consumer reporting companies even though it knew it was wrong. XXXX XXXX XXXX also failed to maintain reasonable policies and procedures to ensure payment information it sent to consumer reporting companies was accurate.
Product: Credit card

In XX/XX/2023 I had a credit of {$2100.00}, but then in XXXX it was removed, need to know why and no one could tell me. sent me a lot of info but never told me what happened to my credit of {$2100.00}, then they sent me a refund check for XXXX which I will not cash as I still don't know what happened to the difference of {$2100.00} and XXXX. They made the check out to my husband but I am on the account too. As you can see they just took the credit off, I did not spend it, they just took it off, so Chase stole the {$2100.00}.
Product: Vehicle loan or lease

I'm not sure why my last complaint was closed. This is a continuance of that complaint. It seems when a company responds, that's enough to close the complaint on the consumer? 

The company, over a series of communications, as abjectly refused to address any of the issues I've raised directly. The phone conversations I've had bear no resemblance to the written communication and the company refuses to address these issues and the information I've provided directly. 

Most recently, they sent as some kind of evidence to me, a copy of what they identified as my loan account with them. Unfortunately, the documentation they sent does not have anything to do with me. It is not my name, not my car, not my loan, not my address or SSN. It is also for a loan amount significantly higher than my loan. If this is what they have on record for me, I have a few issues that need to be addressed, including : - Why do they think this is my loan? 
- Is this the loan documentation attached to my account? 
- If it is, how was this mistake made? 
- Is the owner of this loan aware they they sent their private financial information to someone else? 

I'm planning to reach out to the person named in this loan to advise them that Wells Fargo shared their loan information with someone not listed on the account as they may be having a similar problem with the company that I am.