23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I fell behind on my mortgage some time ago but have been paying each month I submitted paperwork i received in XXXX regarding past due balance. on XX/XX/XXXX I paid {$1000.00} and was notified it was rejected by shellpoint I also had a full months payment which is already scheduled for XX/XX/XXXX for {$2100.00}. I filed a previous complaint here when payment was rejected and emailed shellpoint loss mitigation about the rejected payment and my upcoming payments i also informed them about the paperwork i mailed to them. I then received a summons served to my son in law today that was not filed until XX/XX/XXXX which was after they rejected my payment. that rejected payment put my account at 120 days which i have made sure to not do. the funds were sent to them on XX/XX/XXXX and another full month is to be paid XX/XX/XXXX
Product: Checking or savings account

PNC Bank has blocked me from connecting my accounts to other services when try to use XXXX the connection was blocked. Called PNC about it and they said they couldn't do anything.
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. I am appalled by the ability of the Credit Reporting Agencies to keep ignoring a consumer 's request for the correction of the disputed accounts on my Credit Report. Under the FCRA section 609 and 611, the Credit Bureaus are required to verify the information and status of the account being reported on my Credit Report. But in my case, Transunion has kept reporting the disputed accounts claiming that the information they present is accurate, in which I greatly disagree. I am submitting this complaint to you today to request that Transunion provide me copies of documents bearing my signature to verify the status of the disputed account. If the Credit Bureaus failed to comply with the condition and continuer the reporting of the disputed accounts, please understand I will seek legal action. I need the accounts corrected as soon possible : XXXX  XXXX Date OpenedXXXX Balance : $ XXXX Late XXXX, XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : $ XXXX Late Dates XXXX, XXXX XXXXXXXX XXXX XXXX Open Date XX/XX/XXXX Balance : $ XXXX Late Date XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the account listed on my credit report, as it was opened without my authorization and is the result of fraudulent use of my identity. This is a serious issue, and I demand that you take immediate action to remove this fraudulent account from my credit report. I did not authorize this account, and it is vital that it is removed to prevent further harm to my credit and financial security.
Product: Credit reporting or other personal consumer reports

I am writing to formally report that I am a victim of a data breach, and the following fraudulent accounts and inquiries have been identified on my credit report. I request that these accounts and inquiries be immediately blocked and permanently removed from my credit file in accordance with 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). 
Fraudulent Accounts : XXXX  XXXX - XXXX - XX/XX/XXXX - {$380.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$11000.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} Fraudulent Inquiries : XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX
Product: Vehicle loan or lease

I paid off my car loan in XX/XX/2021 and it is still being reported as owing on the account and for an even higher amount than the pay off was. I received the title XX/XX/2021 and am being reported on my credit history as late for the month of XXXX. XXXX and XXXX show no data given by the company. I have verified via the online account with ally that I had that the money was put towards the remaining balance and it showed {$0.00} owed. I opened a dispute with XXXX  and XXXX  and received notice that the owed amount was correct and in excess of the actual final amount. I called ally twice in 2 months and they refuse to do anything to expedite this matter and reconcile my payment with the credit bureaus as being paid in full. My credit has dropped almost 75 points after having made the pay off ... the complete opposite of what it should have done. No one seems to care that my credit is tanking because of this. It is an easy matter to fix and they are dragging their heels while I am personally suffering with these negative marks on my credit history. 

I am submitting a screenshot of my account with ally-I can no longer access payments or statements ( which were online statements to cut down paper ) but it does show I no longer have an active vehicle loan with them. I have also submitted a picture of my title-which I would not have if I still owed any money to ally.
Product: Mortgage

XXXX XXXX was filed to delay the auction of our property on XX/XX/2021. 

XXXX XXXX XXXX XXXX XXXX A short sale was granted by Rushmore Loan Management Services for the amount of {$300000.00} lesser the amount of the balance. The property was sold on XX/XX/2021 and was no longer under the protection of bankruptcy. 

Rushmore Loan Management Services sent a letter dated on XX/XX/2021 to Release of the Mortgage/ Full Reconveyance document that has been filed in XXXX XXXX XXXX XXXX with the Countys Recorders Office . 

The Lien Release Office with Rushmore sent along with the Certificate of Satisfaction dated on XX/XX/2021. 

The information on my credit reports shows that the property was a foreclosure, and does not provide any details about a short sale with the agreed upon pay out of {$300000.00}
Product: Debt collection

I have been harassed on a daily bases by this person named XXXX XXXX. I have told him on 4 different phone calls that I was working with a Debt Settlement Program and to stop calling me. He informed me that his company does not work with Debt Settlement company 's and that he can continue to call me. He has threatened me saying that there is going to be a problem if I don't pay. He continues to make this personal and I am feeling like I am being threatened.I have to add that I have only missed 1 payment.
Product: Mortgage

So after paying my mortgage and homeowners insurance for years. No major claims. fighting with the insurance company for over a year ( XX/XX/2017 ) for damages caused by hurricane Irma. Finally got a fair settlement after getting a lawyer and went through litigation process. Bank Of America wants to make the process even more difficult by implementing a process that makes no sense and only disrupts the homeowner negatively. Rather than simply endorsing the insurance payment check. BOA wants me to send it to them. So then can place the proceeds in a interest bearing account. I need to now send them all the insurance paperwork for the claim ( the insurance company has this information. why not contact them? ) The adjuster report and a contractor information before they endorse? Where was BOA a year ago when there were damages to the property? if i filed no claim and report no damage BOA would have no clue. so why do BOA want to take the insurance proceeds and place into an " interest bearing account '' while verifying repairs are done??? Mind you i would have to pay taxes on the interest. so why an interest bearing account?? How is this beneficial to the homeowner? this only Benefits BOA. Is this another way for financial institutions to rob hardworking honest people of their rightful claim and peace of mind? while fattening up their bottom line? this is money paid out by the insurance company and i find it very unfair if not mean spirited for after a whole year going through lawyers to get a fair payment, BOA   now wants to essentially slow up the repair process and possibly make money off a insurance claim payment??. Is BOA getting kickbacks from the insurance company?? I need the CFPB to really look into this process as it doesn't feel right and look right. And again, anything related to the claim that they want to verify, I am sure they can do that directly with the insurance company. Again this puzzles me because its not BOA paying out the funds, it's the insurance company who have after a lengthy litigation process made the payment!
Product: Debt collection

These inquiries does not belong to me, have no knowledge of these inquiries
Product: Credit card or prepaid card

I purchased an appliance from bestbuy in XXXX that was defected and in XXXX after weeks of being tossed around finally they agreed to replace it. the same unit had the same problem after handful of uses .Apparently, this model is defected. However, Bestbuy does not want to deal with it. XXXX washer should not breakdown after 4 washes. I refuse to repair XXXX unit that is brand new. That is unacceptable. However, Bestbuy is brushing me off I called Citibank to dispute the charge for the unit since I got this credit card from bestbuy when I was purchasing the unit. On the phone 3 days ago they informed me that since the charge is few months old I have to put it in writing. SO I did. 
They called me 3 days later from President 's office  that they can not help me and I have to go back to bestbuy. This is absolutely unacceptable since they have to protect the consumer. The woman named XXXX XXXX who kept telling me that she is from President 's  office and there is no one else to go to and she will not talk to me about this again just told me that " it is what it is ''. 
There have been couple of other occassions in past few yrs that a purchase was 3-4 months old and any other credit card company such as XXXX XXXX XXXX or XXXX XXXX reviewed the case and determined that the defected unit should have been addressed by the store and stepped in to protect the consumer. However, since Bestbuy and Citibank work together to sell products they refuse to step in. I asked her for their management and review of policies and the woman said she will send me in 2 weeks and there is no one above her for me to talk to. I have seen numerous reviews by other consumers complaining of the same issue with this credit card company. Unbelievable! 

This is clearly a defected unit and I am left with {$1000.00} charge and no help.
Product: Money transfer, virtual currency, or money service

Paypal. 

I have had a Paypal account for a good ten years plus now using my email : XXXX Today, I was REQUIRED to enter a mobile phone to access my account and I don't have one b/c I am XXXX  and find that using a mobile phone quite difficult. 

I telephoned Paypal customer service and spent 1/2 hour with them and they eventually hung up on me. 

If I can no longer access my account ; I would like to close it but I am FORBIDDEN from reaching to Paypal without logging onto their system and I CAN NOT b/c I do not have a mobile phone. 

Can you request that Paypal close my account or give me a telephone number for someone at Paypal who will not hang up on me? 

Thanks,
Product: Checking or savings account

I use the XXXX platform to work as a XXXX XXXX XXXX XXXX  as an independent XXXX. I started a brand new checking account with Square in order to have the funds of my paychecks to go directly into that account. As soon as I started getting paid by XXXX Square completely froze my account with a balance of {$1300.00} in there. That's money that I worked hard to earn. They shut down my account with nothing but a generic email saying that my account will be under review for 60 days. It's been well over 90 days and I have tried to contact Square on numerous occasions about my hard earned funds and they have told me that I can't speak to anyone and to defer back to the email. They're holding my hard earned money hostage. This is so sickening that a bank would steal money from people while the country is experiencing such high inflation and people need to pay their bills. Just sick.
Product: Credit reporting or other personal consumer reports

I filed a dispute on XXXX, XXXX, and Equifax for account number ( XXXX, XXXX XXXX XXXX ) which is a collection for a previously disputed ( XXXX, XXXX ), and ( XXXX, XX/XX/XXXXL XXXX ) due to having no knowledge of this accounts or collection accounts. All companies, especially XXXX, has denied to follow up with the investigation. I was recently notified that CFPB has a lawsuit against XXXX. They accuse the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation. XXXX has not attempted to remove nor correct any information or verify account to be mine. Im requesting this derogatory remarks be removed or correctly immediately as its affecting my ability to get a home and car. XXXX violates my rights as a consumer, as well as federal laws.
Product: Debt collection

Please REMOVE and DELTE ALL OF THE FOLLOWING UNAUTHORIZED FRAUDULENT ACCOUNTS FROM MY CONSUMER REPORT. ACCORDING TO THE FCRA IT IS A VIOLATION. HELVEY & ASSOCIATES IN I am unaware of this debt. I did not have the opportunity to dispute this debt. I did not receive proper notification. If in fact you believe I receive proper notification. Please provide the certified mail with the receipt with my wet signature on there stating I received it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently called in and requested a deletion of all inaccurate addresses that are listed on my credit report and it seems that all but two of them were deleted. As of XX/XX/2022 XXXX is the only bureau reporting these addresses that I have never lived at. 

On the call, I was told all inaccurate addresses, especially those that are not and have never been tied to any accounts of mine, would be deleted within XXXX XXXX and again, months later they still have not been deleted.
Product: Credit card or prepaid card

I called capital one on XX/XX/19 to get assistance in refunding the last 2 late payment fees. The clerk looked at the account and said a flat out no. I wasnt asked about circumstances or anything. At my place of employment they are doing layoffs. This has been going on since XXXX of last year and Ive been trying to keep up with payments on everything. I finally made a {$320.00} payment on this card to get it where is needed to be. This card is a union plus card and I would think they could help out a little bit. Ive been a capital one customer for some time. I have bank accounts here and Ive referred others here who now have capital one bank accounts. I dont believe it would hurt to get late fees back from such a large company.
Product: Mortgage

Truist Mortgage said I had a lapse in insurance so they made an escrow account. There was never a lapse in my coverage and they admitted it. They being the insurance department of Truist. The Escrow department also admitted they made a mistake. All my mortgage payments were going into this so called Escrow account. Being said that, they are saying ImXX/XX/XXXXXXXX  months late on mortgage payments because of this escrow account that should not be there to begin with. Ive asked for supervisor numerous times, caused loss of work because of phone calls on numerous days to rectify this XXXX hours a day caused extreme anxiety and emotional stress simply because nobody can figure out what is going on. It also is effecting my credit report. Nothing was my fault, yet Im the one one suffering with anxiety, emotional distress, numerous phone calls to get this rectified. Still nothing has been resolved and Truist told me to do all the work especially calling the credit bureaus because of their mistake.
Product: Credit reporting or other personal consumer reports

I am writing regarding my credit report, which contains inaccurate and incomplete information that requires your attention. The reason for my dispute is that your agency has not provided sufficient information to verify the debt in question. XXXX and XXXX, another credit bureau, has already corrected the inaccuracy these accounts from their records due to an identified error. I am perplexed as to how you have verified these accounts while the other bureaus have updated it. Therefore, I request that you correct these accounts from my credit file as it is inaccurate, erroneous, incomplete, or unverifiable. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I started a request to transfer all assets in my XXXX IRA account ending XXXX with Ally Invest to XXXX. 
On XX/XX/XXXX, most of assets were transferred except one mutual fund, XXXX, valued {$5600.00}, are still remaining with Ally Invest. Even more surprisingly, that XXXX IRA account has been marked as " CLOSED ''. 
Since then, I called Ally Invest twice on XX/XX/XXXX and XXXX. The representatives said they would file an inquiry but until now, nothing has happened. Those securities of mine are still kept in a " closed '' account in Ally Invest, and I do not have a way to access them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this notice to let it be known that i have reviewed my consumer report and realized that I have 6 fraudulent inquiries on my consumer report that's not attached to an open account, nor did I give Equifax written or oral consent to furnish anything on my consumer report. As a consumer reporting agency Equifax has to exercise their grave responsibilities with fairness, impartiality, and with the respect of my right to privacy as a consumer to have the inaccurate information removed when I was denied assistance and my consumer rights were violated. I do not recall that Equifax have sent out any type of communication in regard to an investigation consumer report. Since Equifax haven't verified the information stating how they came up with the conclusion that the information was accurate there's been numerous financial intuitions stating that I am not credit worthy as a consumer for an extension of credit due the fact that there is information on my consumer report that's negatively impacting my credit standing. Equifax unfair credit reporting methods undermine my confidence in its practices which is essential for me to extend my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

it has been more than 30 days since i have mailed in my disputes and ftc report to Experian and i have not heard anything from experian at all. they are playing with peoples lives, not doing there jobs acting like they have not received peoples disputes or ftc reports. the inquires listed on my FTC REPORT are fraudulent inquires and should be deleted immediately. i have filed a identity theft report to the ftc and included that report along with my disputes. there will also be a copy of my social security card and state id so Experian can identify me and not close this complaint out by saying i didnt send this complaint or this is not authorized by me XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This Inquiries is not mine and it's totally Fraud, I'm not aware with those Inquiries. Please take an action with this. 
See the documents attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't know if I ever took this loan out. I haven't been getting credit for my payments. XXXX XXXX sued me in Texas, i live in New York, and garnished my wages prior to the judge giving them permission to per the court paper work i have. Now XXXX XXXX is called XXXX. I am not getting credit for the payments I'm making them. NSLDS is not being updated with the payments I'm making them and they sent me proof they are reporting the payments to nslds. I want proof this loan was taken out by me, something with my signature saying that I took this loan out and it went towards my college education. Otherwise it could be an internet crime, fraud or identity theft, etc. I have police reports on file. On my credit report it states i have not been paying the loan & its in defeat and that's not true. I've submitted disputes with all 4 credit reporting agency 's.
Product: Credit reporting or other personal consumer reports

These inquiries were not initiated by me, and I firmly believe they are fraudulent. I implore you to conduct a comprehensive investigation and promptly eliminate them from my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XX/XX/XXXX {$5000.00} CAPITAL XXXX XX/XX/XXXX {$2100.00} REGIONALAC XX/XX/XXXX {$9800.00} COASTAL FCU XX/XX/XXXX {$160.00}
Product: Debt collection

Constantly getting phone calls from collectors demanding full balance an i i dont pay it its reported to the credit agency and they take legal actions
Product: Credit card

From XXXX through XX/XX/year>, I was charged late fees by Barclay 's Banana Republic store credit card that I did not know was due. This happened because Banana Republic changed banks, as it had done twice in the more than 10 years that I had that credit card, and Barclay 's did not assume my automatic payments in full that I have been enrolled in through the previous credits cards associated with this account, and Barclay 's did not inform me that that they cancelled my autopay, neither in email, phone, or writing. Therefore, I assumed that the small purchase I made in XXXX ( {$23.00} ) was automatically paid for in full at the time it was due when in fact it was not through no fault of my own. 

When it was brought to my attention three months later what Barclay 's had done ( still not even by Barclay 's but by another of my banking sources ), my excellent credit score, which had for many years been in the XXXX, tanked by nearly XXXX points as the direct and only result of being charged late fees by Barclay 's without my knowledge. 

I called Barclay 's immediately and explained their error ( or maybe it was intentional to generate more revenue that they did not earn ). I asked for the late fees to be reversed and was told that they couldn't. Severely alarmed by what they had done to my credit score, I paid the bill in full anyway and had the card closed. I asked if at the very least they could remove that the payments were late from their records so that my credit score could go back up, they said there was nothing they could do. I waited a few months thinking my credit score would return back to the XXXX and when it did not, in XXXX I contacted Barclay 's again to ask if they could recategorize the " late payments. '' They again said there was nothing I can do. I do not believe this is true and that if Barclay 's wanted to fix their mistake, they could. 

To me, Barclay 's actions at best represent complete negligence and at worst, consumer fraud. They should have communicated to me that they were cancelling my autopay when they took over administering the Banana Republic store credit card. And after being told about their negligence, Barclay 's should have reversed the late charges, particularly since they had access to my 10+ years of information while I had the Banana Republic credit card with not one single late payment. 

Attached you will find my Barclay 's credit card account information, including charges and late fees, as well as my credit score changes which provide evidence that 1 ) In XX/XX/year>, my credit score dropped by XXXX points which is the date that the Barclay 's charge was tagged as being 30 days late, and 2 ) I had an 'excellent ' ( i.e., in the XXXX ) credit score leading up to Barclay 's error.