23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XX/XX/XXXX until present XXXX XXXX passed in XXXX required that all credit applications be considered on the basis of their actual qualifications for credit and not certain personal characteristics. I feel that I was provided inferior service because I filed bankruptcy in my past. I am aware that none of the statues or laws guarantees that I would be extended credit but they do exist to protect me from certain discriminatory practices that can cause me to be even denied an opportunity to even receive a proper consideration. I feel that I was discriminated not only because I have the bankruptcy but because I am also an XXXX XXXX ( the lender knew this because my picture is on my email profile when emails are being sent back and forth ) female. My application was dragged on an on for almost two months. I sent follow up emails to which many went unanswered. At one point I even requested to be transferred to a different loan officer that perhaps specialized in dealing with getting manual underwriting approval and was met with a ego. After being given the run around for over 45 days I was told I should try another lender. I also, called and spoke with her manager and never received a return call as promised. Now Interest rates have shot up and I will end up having to pay more that I expected to pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX after repeatedly speaking with XXXX XXXX and XXXX XXXX about an ER visist that was billed as an in office visit I was told the billing code would be corrected snd a new bill would be sent. I paid mhy last payment of XXXX and was told that was all I needed to do. On XX/XX/XXXX PARSON BISHOP SERVICES has flagged your account as Collections. 

XXXX XXXX XXXX, XXXX. Unbeknownst to me the corrected bill was sent too late to XXXX. Again I get both companies on a three way call and find out the billing code was correct however XXXX made a mistake after telling me it was fixed. 

PARSON BISHOP SERVICES never reached out to me as they used an address I haven't lived in since XXXX. Nor did the contact XXXX XXXX who had the correct address as we had been in touch. The amount owed was reported was incorrect as I had made 3 payments and was told I was good. The amount I paid yesterday due to XXXX error was {$140.00} dollars I was told that XXXX XXXX would have debt removed as the error was not my fault and no bothered to communicate with me that XXXX hadn't paif the remaining balance as they previously stated they would. No One not even XXXX XXXX who know my correct address bohered to reach out to me. 

After XXXX fix the bill I will be refunded but the bill is paid in full.
Product: Checking or savings account

On XX/XX/2022 I received a call from XXXX, which is wellsfargo 's number, an individual identified himself as a Wellsfargo 's employee from the Fraud Department and asked for my username and birthday for my online banking account in order to help me nullify some charges from Georgia but instead he locked me out and said I will need to make a new online banking thats why I can't log in. He said I have many payments at different stores and in order to verify my identity and stop these charges I needed to give him a 6 digit number I would receive through a texts from " XXXX '' which is also a wellsfargo automated number for alerts. I gave him 5 of the 6-digit numbers i received from the XXXX number and I told him " why does it say not to share this 6 digit number with anyone wellsfargo will never ask for it '' and he said " only the fraud department can ask for it because we need it to drop the charges. '' I asked for the his name and he said its " XXXX XXXX '' then I hung up. After the call I went to the bank in person and they said someone was added on the 3rd party app called " XXXX '' through my online mobile account with the name of " XXXX XXXX. '' On XX/XX/2022 I spoke to a real wellsfargo representative and had canceled my card, and a new bank account. I have filed a claim on XX/XX/2022 through wellsfargo customer service. He performed really proffesional throughout the call so I thought it must be real this has never happened to me.
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 XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$14000.00} XXXX  XXXX Balance : {$49000.00} XXXX  XXXX XXXX Balance : {$2900.00}
Product: Credit reporting or other personal consumer reports

My information has been exposed to XXXX data Breach because I didnt authorize this account neither did I open this account XXXX has failed to provide proof of this account is mines
Product: Credit reporting, credit repair services, or other personal consumer reports

Iam writing in reference too the XXXX XXXX Collection Acct on all 3 of my credit reports transunion, XXXX and XXXX under state statue 7rs or over they must be deleted of my credit reports not just showing closed please remove off my credit reports!!! Thanks
Product: Checking or savings account

TD Bank has once again took out XXXX dollars out of my account for overdraft while I still had transactions pending. This needs to stop! I need every penny!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit card account with XXXX was paid in full and closed XX/XX/2022. The company sent account to collections company JEFFERSON CAPITAL SYSTEMS. I have submitted documents showing proof of payment and still receiveing calls and letters attempting to collect on a paid and closed account.
Product: Debt collection

I didnt get notification of debt from I C System prior to it being placed on my credit which is a violation of my rights as a consumer. Did not validate the debt. 

IC Systems Amount Due {$950.00} Date XXXX/XXXX/2021
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint regarding an unauthorized inquiry made by [ XXXX and XXXX XXXX XXXX ] on my consumer credit report. I did not provide consent for [ XXXX and XXXX XXXX XXXX ] to access my credit information, nor do I believe there was any lawful or permissible reason for this inquiry to be made under applicable law.
Product: Debt collection

Disputing : Account : XXXX XXXX  On XX/XX/2018, I disputed the following account in writing due to me having no recollection of ever having an account with XXXX XXXX who is reporting negative information to my credit profile. In my first dispute, Transunion and XXXX XXXX failed to provide Verifiable Proof such as, an original Consumer Contract with my Signature on it for the account listed above. 

Their failure to positively verify these accounts prior to reporting them, has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if they are unable to provide me a copy of verifiable proof, they must remove these accounts. I believe that they have failed to follow the law ( s ) on this matter.

Also, according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to physically verify the original signed consumer  contract, and all accounts they they post on someones credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

Transunion and XXXX XXXX 's refusal to follow the law has left me with no other option, but to file this complaint.. 

I am submitting my dispute letter that I sent to Transunion on XX/XX/ 2018.
Product: Credit reporting or other personal consumer reports

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXXXXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$5800.00} XXXX XXXX XXXX XXXX # : XXXX XXXX XXXX {$7700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$9500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$200000.00}
Product: Mortgage

XXXX : Freedom Mortgage, at XXXX XXXX XXXX, XXXX, SC XXXX Freedom Mortgage is currently my loan servicer on my primary residence. All of my payments to Freedom Mortgage per my monthly agreement have been made on time since inception of the loan. In that agreement they collect monthly money from me in an escrow account to pay my insurance company directly for Hazard/Home insurance. Freedom Mortgage is failing to make payment to my insurance company to cover my primary residence with insurance, which was due on XX/XX/XXXX. In talking to Freedom Mortgage they stated that they could not pay my insurance to the insurance company, XXXX XXXX, because of non-response from XXXX XXXX. They stated to have contacted XXXX XXXX on XX/XX/XXXX and XXXX of XXXX. I have paid my insurance separately XXXX XX/XX/XXXX XXXX, on my own accord, to keep current with insurance. Freedom Mortgage continues to collect escrow money for insurance when I have informed them to not, since they are not paying the insurance company as agreed upon in our mortgage agreement. Their service representatives have given me multiple different explanations that do not match up. On the same day, XX/XX/XXXX, they stated that nothing was paid to XXXX XXXX in the form of insurance payment, and then 10 minutes later with another representative they reported to me that overnight payment was just sent. Freedom Mortgage has not been honest or keeping to the mortgage agreement in their payments or operations regarding insurance payment for my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had a problem with identity theft and the account 's being opened fraudulently unauthorized by myself I have disputed such inquiries with XXXX expressing my concern pf the amount of inquiries that has been made within the last 11 months the total increase is XXXX increase in 11 months and despite XXXX XXXX XXXX removing such unautherizrd inquires XXXX  refuses to remove inquiries lowering my credit score greatly and Making it extremely difficult for me to find employment employment because of my low credit score and amount of inquiries amount of inquiries that has been made in such a short period of time
Product: Credit reporting, credit repair services, or other personal consumer reports

I am attaching a copy of my ID theft report for a Bank of America account being reported on my credit reports. Bank of America is ignoring the fact that I did not open this account and as stated in my ID theft report a past roommate/Co-habitant used my personal information to open this account. Please see the attached theft report. Furthermore, In accordance with FCRA 605B ( 15 USC 1681c-2 ) I hereby give you 4 days to block the information I am reporting as it pertains to fraud.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Transunion for failing to address my dispute regarding unauthorized inquiries within the legally mandated timeframe. On XX/XX/XXXX, I sent a detailed and time-stamped dispute letter ( attached ), supported by an FTC Identity Theft Report, requesting the removal of specific unauthorized inquiries from my credit report. Despite providing clear evidence and following proper procedures, Transunion has failed to acknowledge or resolve the issue. Under 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), Transunion is required to investigate and correct disputed information within 30 days. It has now been over 90 days, and no corrective action has been taken, which constitutes a clear violation of the FCRA. The following inquiries were unauthorized and must be removed from my credit report : 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 XXXXXX/XX/XXXX
Product: Credit card or prepaid card

XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I missed payments because I lost my job and was going through financial hardship. I was late on a few other payments and the companies worked with me, but it seriously has affected my life because this is one of 2 cards that has not worked with me during this time. My payment history is perfect outside of this and it is really damaging my ability to move forward with my life. I have contacted them several times before and after these dates with no resolution.
Product: Credit card or prepaid card

Hi, good afternoon, I 'm putting this complaint against amazon store card, for not fair charges, every month when I pay the bill, they always increase the interest charge, the more they pay, the more interest they charge and I think it 's not fair because this assumption To lower the interest charge, I have proof of this and I will send them, to verify the information and take a letter on this subject, and can help me to solve this problem
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block ACCOUNTS : XXXX XXXX - Account number - XXXXXXXX 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  Original creditor : XXXX XXXX - Account number - XXXX 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states 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 in accurate.

15 USC 1681EB 15 USC 1681B 15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681i 15 USC 1681b - 15 USC 1681IS-2 15 USC 1692g 15 USC 1681 C-2 15 USC 1681 BA2 15 U.S. CODE 1681e- 15 USC 1681 ( 2 ) ( a ) ( i ) Delete the above late payments from my consumer reports, this agency is in violation 15 USC 1681.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting the trade line XXXX XXXX as a mortgage with a term of 3 months. This is a gross error and attached you will find proof of the error. The actual term was 36 months. Attached you will find proof of this.
Product: Mortgage

Both myself and my insurance company have sent the billing and proof of insurance to the loan servicer. They have confirmed receiving it. They have not paid it for 3 months. I have made several calls to them and no one has any answers on why it has not been paid ; yet they still do not pay it.
Product: Credit card

On XX/XX/2024, my Wells Fargo online banking account was hacked despite having XXXX. The perpetrator was able to request a {$1200.00} cash advance from my Wells Fargo credit card to my Wells Fargo checking account and have part of the monies XXXX  to unknown recipients. A police report has been made for this. Attached here. 

I promptly reported this to credit card services and have been told NOT to pay off the fraudulent {$1200.00} and {$60.00} cash advance fee. I am being charged an interest for this as Wells Fargo has not resolved my dispute. To date, {$12.00} has been charged and my credit score is being negatively impacted. 

Wells Fargo credit card representatives can not provide a resolution beyond transferring me to the online banking line whenever I call to inquire, and I am asked to revert back to credit card after explaining the issue. This leads me to go around in circles to no avail. 

Wells Fargo has also suggested that my checking account remain open to facilitate the resolution despite my strong desire to terminate my relationship.
Product: Debt collection

on the XX/XX/XXXX l pull my credit report and realized Midland Funding has report an amount of {$3900.00} in collection which l have not had any notice of, and also the credit report states original Creditor : Not Available. As result filed for dispute to all three credit Bureaus on the XX/XX/XXXX to investigate it and requested for validation, made pursuant to the Fair Debt Collection Practices Act and Fair Credit Reporting Act, along with the corresponding local state laws, also requested for " validation '' that is competent evidence bearing my signature, showing that l have ( or ever had ) some contractual obligation to pay them ( Midland Funding ) .l also wrote requesting Validation from Midland Fund which is dated XX/XX/XXXX since the tree Bureaus couldn't provide me with e validation with my original signature. Midland funding on the XX/XX/XXXX sent me Writ of Summons for trial dated XX/XX/XXXX. As at the time and date filing this complaint either the three bureaus or Midland Funding have provided the Validation with my signature or any contractual obligation to Pay Midland Funding and still have not deleted it from my credit report. The court has reschedule the trail date to XX/XX/XXXX at XXXX XXXX XXXX, XXXX, MD XXXX. l have received a letter from Midland Funding dated XX/XX/XXXX saying they now waiting for additional documents from the Original creditor to conclude their investigation and it may take up to 90 days from the day they received my dispute, meanwhile Midland Funding has issue me with WRIT OF SUMMONS and the trail is XX/XX/XXXX. THE CASE # XXXX Date filed:XX/XX/XXXX Issue Date:XX/XX/XXXXserved Date : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX SD XXXX ; XXXXXXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Unauthorized inquiries on my credit report from XXXX XX/XX/year> XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I had a credit card processing deposit money in my checking account and the bank refuse to release the money to me. They have given m e 5  different reasons as to why they are not releasing the money. I have gone to the bank on  3 d ifferent occasions and each time they tell me they require something different. The last requirement was they told me I needed a  XXXX  because I deposited a business check from my husband 's business. I brought the  XXXX  now they are telling me in order to get my money back I have to open a business account. They have been holding my money since XX/XX/XXXX refusing to return it to me. I expressed my concern that they are tying up my money and requested they return it to the processing company or give it to me THEY REFUSE. They are telling me when a  Branch  manager gets back from vacation he might be able to release it. They have caused me stress and are costing me money. They had no problem processing anything for 8 months. The problems started when I reported them to you for excessive fees. I feel they are looking for any and every excuse to tie up my money in retaliation for reporting them. They have a fraud department that you cant speak to anyone then they change the rules eve ry 5 mi nutes. If they suspect fraud on the deposits then just return them but they claim they cant
Product: Debt collection

I've been victim of ID theft. OnLine information services has tried to collect a utility debt on behalf of XXXX XXXX XXXX XXXX XXXX. 
This account was opened fraudulently using my name and SSN. I have informed OnLine Information Services about this as well as opened a report with XXXX XXXX XXXX XXXX and I have provided all the information requested. 
Even though all the requested items were delivered, OnLine Information Services continued collection efforts and affected my credit report and score by reporting the collection with all XXXX  credit bureaus while the investigation still on going. They did that even though they received from me the letter from FTC about the ID Theft and the letter called " Notice to Furnishers of Information : Obligations of Furnishers under the FCRA '' where clearly they are obligated to respond to consumer claim in a timely manner and stop all collection efforts during the investigation is in course, including reporting to credit bureaus.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting act Credit Acceptance Corp Account # XXXX, has violated my rights. 

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.

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

Experian is showing an inquiry from XXXX XXXX XXXX XXXX from XX/XX/2019 and I did not request my credit be pulled.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX XXXX XXXX XXXX XXXX for gross violations of my privacy rights and unauthorized debt collection activities. I never provided consent for XXXX XXXX to contact me, share my personal information, or report an alleged debt to the consumer reporting agencies. Their actions have caused significant harm to my credit profile and subjected me to undue stress and harassment.