23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Loan office has some sort of issue with questions about my loan. Every time I ask details I get unclear answers and push to another time. If I email him my questions about the extra payment plan agreed to, I receive vague answers in red & no contact info for said XXXX party servicer ( XXXX ). XXXX who services my mortgage knows nothing about extra payment plan agreed to. My original mortgage is with Resmac, my servicer is XXXX, the third party whom they have the agreement with is XXXX. It 's a whirlwind of confusion. XXXX XXXX XXXX a XXXX Resmac
Product: Credit reporting or other personal consumer reports

Iam a victim of identity theft i found a few accounts that i don't recognize and my credit is harmed and they violated my privacy and my consumer rights and never contacted me and ruined my credit and this is illegal i contacted my lawyer and he said to call the creditors and ask for contracts and signatues to at least know who did this to sue them and no response and they never sent me contracts and signatures this is illegal and as of 15 U.S Code 1692g validation of debts and improper use of my credit report. in accordance with with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602, states i have the right to privacy, 15 USC 1681 section 604A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. under 15 USC 1666B, a creditor man not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose here is the accounts : 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I ask to see verify information of the inaccurate thats showing the wrong information on these accounts. They validated so many of my rights and its a lot inaccurates. They done skip months and also one of the account XXXX show nd no data how is that possible. XXXX account shows 30 30 90 days inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was made aware of some accounts that do not belong on my credit report today XX/XX/19 because I was denied from opening a XXXX XXXX credit card. I did not open any of these accounts and I have never given anyone permission to open an account in my name with my personal information. I have no idea who could have stolen my information top open these accounts and I have already reported this to the police. I did not benefit anything from these accounts that were opened without my permission such as money, goods, services or any other benefit. I also do not have any written/verbal contracts with these companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted the consumer reporting agencies through multiple platforms via mail or telephone. Pursuant 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) in general subject to section ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I did not give any written consent to report anything on my consumer report, No consent is Identity Theft. A copy of the law is attached. In regards to the accounts listed below, as a consumer Im demanding a deletion of these accounts. 

1. XXXX XXXX XXXX 2. XXXX XXXX XXXX  Original creditor : XXXX XXXX 3. XXXX XXXX XXXX Original creditor : XXXX XXXX These accounts are individual actions, they must be delete immediately.
Product: Checking or savings account

I deposited a check of {$280000.00} in my account at U.S bank on Friday XX/XX/year>. I got a letter in the mail stating that the funds would be available on the XXXX of XX/XX/year>. On Saturday the XXXX of XXXX, i called the maker to make a few inquires and i was told that the check is a dupicate check and it's currently under investigation. I told the customer care rep that the check is 100 % legitimate and that it can be verified. I asked if i can get the original check back so i can go to a different bank if they don't want to cash the check and i was told that a substitute check will be issued to me and my account would be closed. 

I contacted the sender of the check and i was told that my bank is free to contact them any time to verify the check and it's easy to know if it's a duplicate check or not. 

I would like the U.S bank to do their job and verify the check, they can take the physical copy to XXXX XXXX bank and do their due diligence. They can contact the originating bank to further contact the maker of the check to verify if it's legitimate, it's not rocket science. Unless they have another reason why they've refused to release my funds other than verification. 

It is unfair to not honor the check when it's 100 % legitimate. I think the reason is because it's a new account, this should have been communicated to me before " seizing '' my check and funds. 

Kindly assist in resolving this in a timely manner. All I ask is for the U.S bank to take their time in verifying the check properly, they'll definitely realize that it's 100 % legitimate, release my funds and allow me to continue banking with them. 

Thank you!
Product: Checking or savings account

XXXX XXXX has the most apathetic customer service I have come across. They have 1+ hour hold times, and then when you finally get through to someone, they are rude and boorish and lacking any customer service skills or knowledge about their own bank systems. Their secure messaging team never responds even after sending multiple messages for the same request. These super sub-standard online banks are forming like mushrooms and harassing unsuspecting customers. 

I came to know that they had put a restriction on my account when an outbound transfer from an external bank was declined. They did not bother to notify me in any way. So, I called Bread and they told me to send certain documents which I did. I messaged them multiple times after it. No one responded. Today, when I call back 4 days after sending the document, an extremely rude female called Virginia was asking me whether I had sent the documents. I was surprised that no one had even looked at them. When I started questioning her, she hung up. 

This bank / service or what ever this is, should be closed down.
Product: Credit reporting, credit repair services, or other personal consumer reports

I receive a second letter from Equifax stating they can not find me in there system. However I pulled my report today doesn't allow me to dispute anything .It want my personal identity which I refuse to send
Product: Credit reporting, credit repair services, or other personal consumer reports

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation
Product: Vehicle loan or lease

I have reported Bridgecrest as stolen I identified opened a account without my knowledge they too the original acct off but Bridgecrest sold that account and XXXX  put it back on wont remove it after it the the same account they removed before. Same issue with the sprint account on XXXX  they rude and dont listen to your statement or the FTC report sent I want those 2 accounts removed
Product: Credit card

I filed the dispute with Barclays Bank concerning the charge made by XXXX to my account XXXX XXXX, 2015 for {$14000.00}. The dispute was filled out over the phone by one of their representatives as I was not given the option nor was it available to fill out the form over the Internet. Of everything I said, the company chose to use non-receipt of merchandise is the reason for the dispute. They have completely ignored all the evidence that the merchant presented himself as XXXX XXXX XXXX former XXXX XXXX -- which are both false, plus he lacks any certification by the state of Arizona to treat people with XXXX much less sell them. 
Barclays continues to side with merchant now says that the laser is available for pickup once I paid {$28000.00} - part of the reason that I filed a dispute in the first place was the merchant failed to deliver the merchandise on time twice and made up excuses that were out of his hands to justify failure. Barclays refuses to explain or justify why they have chosen to ignor the majority of my evidence nor why they are not allowing me to go to arbitration as per MasterCard agreement.
Product: Credit reporting or other personal consumer reports

I got an alert from my bank that a hard credit inquiry was done on XX/XX/XXXX by a company SANTANDER CONSUMER USA. I did not give anyone written consent to do this hard credit inquiry. We were going to purchase a XXXX from the XXXX XXXX dealer and were approved for a loan after a hard inquiry was done on XX/XX/XXXX by XXXX XXXX XXXX XXXX XXXX However, after XXXX told us we can not purchase the car in California since we live in Illinois, we canceled our order. As soon as the order was canceled we saw in our bank statements that we had another hard credit inquiry on XX/XX/XXXX that we did not approve.
Product: Credit reporting, credit repair services, or other personal consumer reports

These account are not mine which are listed in my attachments. I've been reaching out to the following companies. These things are completely affecting my scores.
Product: Mortgage

Fay Servicing continues to increase my mortgage every year by using the excuse that my taxes and insurance are causing an escrow shortage. I in turn have purposely paid extra mortgage payments which means extra escrow payments so that my escrow account is not short this year. I was told that I STILL had a shortage this year of {$1200.00} which I paid on XX/XX/23 and now the NEW ESCROW ANALYSIS shows I have a SURPLUS of approximately {$64.00} but my mortgage payment has INCREASED by the AMOUNT OF THE SHORTAGE. This makes absolutely no sense at all. 

I have paid extra during the year AND the shortage amount and now they have increased my payment by the SURPLUS AMOUNT. 

I want this corrected immediately and I want this company to stop scamming me so that I have to make increased mortgage payments. My mortgage was {$1000.00}
Product: Mortgage

We applied for a loan modification through Shellpoint Mortgage Servicing on XXXX/XXXX/15. We received a letter dated XXXX/XXXX/15 advising that they received the complete modification packet and it could take 30 days for a response. The letter also said that " your property would not be sent to foreclosure or if it had been started, we will not initiate a foreclosure sale. '' We received a letter dated XXXX/XXXX/15 from an attorney 's office stating we were in pre-foreclosure status. I called Shellpoint on XXXX/XXXX/15 at which time I was advised that we were denied for the modification and our only options were a repayment plan, short sale or foreclosure. We wanted to try a repayment plan however, he said there would be legal fees added in. I did n't think they should be because his letter said that it would n't be sent for foreclosure until a decision was made. He said I could send in an appeal letter disputing the legal fees being added to a repayment plan so I sent an appeal letter on XXXX/XXXX/15. I called on XXXX/XXXX/15 & XXXX/XXXX/15 and was advised it was still pending a decision in the escalation dept. We received a letter dated XXXX/XXXX/15 on XXXX/XXXX/15 from the escalation dept advising that our request for a modification would remain denied. I called on XXXX/XXXX/15 and stated that we were appealing the legal fees ; the customer service rep said he recognized that and was sending it back to the escalation dept for review. I called on XXXX/XXXX/15 checking status and to try to make a payment ; I was advised that it was still pending and that we were not " allowed '' to make a payment. I also confirmed again that foreclosure proceedings were on hold. We received a letter on XXXX/XXXX/15 from the attorney 's office advising that there is now a sheriff 's sale date for our property. I called Shellpoint on XXXX/XXXX/15 and he said the decision was still pending. He also said that the " sheriff 's sale was n't until XXXX/XXXX/15 so we should have a response from the escalation dept by then. '' I asked why there was n't a hold on it and he could n't say. I called the attorney 's office right after and she said there was no hold on our file.
Product: Checking or savings account

I have a checking account XXXX and an equity line at synovus. In XXXX they started auto drafting the equity loan payment from my checking account. I do not want this. Did not authorize it and was unaware this was happening until I received my XXXX statement. This was done without my knowledge or authorization.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX, I AM SUBMITTING THIS COMPLAINT ON THE BEHALF OF MYSELF. THERE IS NO OTHER COMPANY DISPUTING ON MY BEHALF. PLEASE DO NOT SNED ME AN AUTOMATED RESPONSE! ALL DOCUMENTS WILL BE INCLUDED FOR THIS DISPUTE! 

I did not give expressed written consent to or authorize any third party consumer reporting agency to furnish data on the following accounts and I have a right to privacy, please be reminded no consent is identity theft : I did not give expressed written consent to or authorize any third party consumer reporting agency to furnish data on the following accounts and I have a right to privacy, please be reminded no consent is identity theft : XXXX. XXXX ACCOUNT NUMBER : XXXX XXXX ACCOUNT NUMBER : XXXX XXXX. XXXX ACCOUNT NUMBER : XXXX XXXX. XXXXXXXX XXXX ACCOUNT NUMBER : XXXX XXXX. XXXX  ACCOUNT NUMBER : XXXX XXXX. XXXX XXXX ACCOUNT NUMBER : XXXX XXXX. XXXX XXXX ACCOUNT NUMBER : XXXX XXXX. XXXX ACCOUNT NUMBER : XXXX Please pronmtly remove this data within 4 bbusiness days pursuant to 15 USC 1681-c-2 to aviod any furthur legal proceedings. Thank you for your timely compliance!
Product: Debt collection

ALLIED XXXX XXXX is a result of identity theft. I recently discovered through my monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$4300.00} does not belong to me. This account was fraudulently opened through this company in XXXX of XXXX an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( block , inc . ) due to inadequate customer service and unfair practices, which violate customer financial protection act ( cfpa ). Specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with errors resolution requirements under the electronic fund transfer act ( efta ) and Regulations E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

in accordance with the Fair Credit Reporting and XXXX XXXX XXXX XXXXXXXX Account XXXX XXXXXXXX, 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 or prepaid card

I was charged for balance transfer fee that was rejected by the discover credit card company. 
The charge appears on my statement of XX/XX/2018 and the balance transfer was rejected after they find out there was a suspicious transactions with my credit card. 
I tried to contact the company several times, i was played around, being transferred by every customer service rep ever since the transaction took place. 
I was promised adjustment to the account but the issue was never resolved. 
I never used the money and the money has been credited back to my account but i was charged for a balance transfer fee of {$81.00}. I would like my money back. 
Not to mention the lack o respect and disregard for customers, XXXX representatives, being transferred around like a kid. My account has been closed and i need the money to be refunded in a form of check asap. 
Hopefully i can get help with your assistance. 
Sincerely yours, XXXX XXXX XXXX
Product: Debt collection

Ally financial has been calling me in an attempt to collect my aunts debt. The first time I told them that was illegal and they continued to call me. When I called them to put an end to the harassing calls they said well maybe you can just talk to your aunt to get her to pay her bill. This is the exact thing I was calling them to tell them I wouldnt do.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent off certified mail letters requesting the credit bureaus to " investigate every piece of information '' on the accounts that I have listed below. I have also attached the actual letters sent out along with the tracking numbers : Actual letter sent : To whom this may concern, Your company said, I allegedly owe you money. I am willing to " Pay '' under the conditions that you are able to provide the following three pieces of information to legally verify this +debt as being % accurate : 1. Validation of the debt- that is, the actual accounting.

2. Verification of a signed invoice.

3. A copy of the signed contract binding both parties ( you and I ), and a letter by " certified mail '' so that there is an independent witness as to it being delivered. 

Kind regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX List of Accounts : 1- To XXXX bureau re : creditor- XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX # XXXX 2. To Transunion XXXX XXXX Credit Bureaus : Noted errors-Transunion date opened showing : XX/XX/XXXX/ XXXX date opened being reported as : XX/XX/XXXX. 
Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( both parties representing the same debt ) Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Tracking # XXXX 3. To Transunion XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX or ( XXXX ) XXXX Acct # XXXX Tracking # XXXX 4. To Transunion Credit Bureau Creditor- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX Acct # XXXX Original Creditor- 11 XXXX XXXX XXXX XXXX 5. To Transunion XXXX XXXX Credit Bureaus Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to the FRCA The term " investigation of consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted, or wo may have knowledge concerning any such items of information. 

They stated that my accounts were verified but how is that possible if they did not do a proper investigation according to the law. Also, every piece of information on these accounts are still not reporting 100 % accurate. According to the FRCA 15 USC 1681 everything has to be 100 % accurate.
Product: Checking or savings account

Ive had a nightmare scenario since XX/XX/XXXX in trying to become a RobinHood customer. Ive spend many, many hours chasing my tail. Ive had partial acct transfer-ins rejected due to mistakes on both XXXX and RobinHood end ( had to retype all 20 positions manually 3 times ) and I just had my acct restricted for reasons they cant or wont explain. This restriction has been for 6 days now and I cant trade or access my own funds! And the transfers-in Ive been attempting got rejected AGAIN because of the restriction.

Nobody at customer service appears to be empowered to actually explain whats going on or fix problems. I have chatted, called, and emailed with them without responsiveness or any real help. 
Im at my wits end and beyond frustrated. I want to pull all my money out but Im even blocked from doing that! AS OF TODAY ( XX/XX/XXXX XXXX XXXX  ) I CAN NOT ACCESS MY OWN FUNDS BECAUSE OF THE UNEXPLAINED RESTRICTION PLACED ON MY ACCOUNT.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719 transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit card

On XXXX XXXX, I bought airline tickets using my Bank of America credit card, on XXXX XXXX website ( XXXX ). There were a total of XXXX transactions on my statement for this purchase : XXXX tickets ( {$1000.00} each ), plus XXXX seat upgrades ( ranging from {$29.00} to {$100.00} each, for a total of {$530.00} ). 
Despite the fact that these tickets were purchased on a US website, from a US merchant, in US dollars, Bank of America charged a foreign transaction fee of 3 % for each of those XXXX transactions, totaling {$80.00} in fees. 
I contacted Bank of America and requested that they cancel and refund these fees. Bank of America representatives maintained that the fees were correctly charged and legitimate as the transactions were processed in XXXX, and refused to refund them. 
This is a deceptive and abusive practice as there was no way for me at the time of the purchase to know that there would be such a fee ( as, again, I was making a transaction with a XXXX merchant on a XXXX website in XXXX dollars ), and therefore I could not avoid those fees ( by, for example, choosing a different method of payment ).