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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX  XXXX : XXXX, XXXX : XXXX, XXXX : XXXX, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I disputed this account that reports on my 3 major credit reports multiple times. I ask for validation of this debt and was specific. In what services or etc. Dates, payment history anything but only recieve something recently that only has the amount reporting to credit reports. I contacted XX/XX/XXXX. XXXXat XXXX this time with the original creditor *XXXX* in which I have a active positive account with. 
I spoke with a nice rep named XXXX, she lookup the past account and see I did owe {$190.00} with them that I can settle with them but have to handle bill with their outsource company which she made clear is XXXX XXXX XXXX  she didn't have any knowledge or see anything of the amount of {$1100.00} from ( Caine & Weiner ) and that can't be verified. So my question is How XXXX, XXXX, and XXXX  has verified this info? and I spoke with the original creditor and have a active business with them in good standing. I hope this account can be validated and verified as it is my right to have. This 3rd party 's has the burden of truth not pull numbers and accounts from anywhere. If the original creditor couldn't verify this false info on my credit report how is this Collection Company can? If its not legit IT MUST BE DELETED from reporting on my credit report or I need to put a fraud case in.
Product: Mortgage

My name is XXXX XXXX and my loan is serviced by United Wholesale Mortgage. 
My loan number is XXXX. 

I have previously made a complaint regarding United Wholesale Mortgage, different than this one. 

Because I made the complaint on CFPB website and also closed a loan modification agreement with the investors ( XXXX XXXX ) for a lower interest rate than the one offered by United Wholesale Mortgage, the mortgage servicer provider ( UWM ) RETALIATES against me. 

They have OVERCHARGED my ESCROW account by applying {$9100.00} that represents a full amount for the entire billing cycle for a year starting XX/XX/XXXX. I repeat starting XX/XX/XXXX, a full year ESCROW shortage for a SHORTAGE that doesn't exist but " will eventually exist starting XX/XX/XXXX " ( according to their absolute misleading escrow analysis ). 
My payments have been established through the loan modification contract and already includes the payments for the ESCROW. 
Before we closed the contract, UWM have sent me a letter ( same letter they sent to the investors- please see attached ) in which is clearly specified the monthly payment of {$1800.00}. 
This payment includes : Principal & Interest {$1100.00} + ESCROW : {$710.00} + Monthly escrow shortage : {$46.00}. 
I have agreed to pay this. 
After we close the contract for the loan modification and made my first payment of {$1800.00}, United Wholesale Mortgage made another " ESCROW ANALYSIS " by which reflects that starting XX/XX/XXXX my ESCROW ACCOUNT will have a SHORTAGE of {$9100.00}. 
Reason why they have divided this amount to 12 months and they add to my monthly billing starting XX/XX/XXXX another {$760.00} for the " XXXX XXXX ". 
The TOTAL now for a month is {$2600.00}.

Can you just imagine this? : They charge 2 years AHEAD for the ESCROW SHORTAGE that didn't even occurred. 
Why do we still have a loan modification agreement if they can do whatever they want and charge years ahead whenever they want? 
Who stops this company from abusive practices against me? 
If they did an ESCROW analysis in the beginning, why did they do another one AFTER we CLOSED the contract? 
Is this legal? Is this abusive practice industry standard? 

My understanding is that I can be required to pay a part of the estimated annual total in advance, but no more than a maximum of XXXX of the total. 

Moreover, UWM is hiding this particular bill dated XX/XX/XXXX by which they have OVERCHARGED THE ESCROW ACCOUNT. 

THIS PARTICULAR BILL WAS SENT TO ME BUT IS MISSING FROM THE ONLINE DOCUMENT CENTER. - please see attached. 

WHAT WOULD YOU DO BELIEVE IF YOU WERE IN MY SHOES?! 

Please STOP retaliating against me! Please STOP the constant abuse to OVERCHARGE me! 

Please understand that I am a human being and you are INJURING ME IMMENSELY BY YOUR ACTIONS!
Product: Credit reporting or other personal consumer reports

I am in disagreement with the account listed below which still appears on my credit report, even after your investigation. 

I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

ACCOUNT NAME : XXXX  ACCOUNT XXXX : XXXX
Product: Credit reporting or other personal consumer reports

I had my account freezing or over XXXX XXXX  and Transunion let companys run my credit report with a soft pull. On past and current times. They are report collection on my report that I shown different XXXX  on my XXXX XXXX ( XXXX XXXX XXXX ), and ( XXXX XXXX XXXX ) this account should be on my account. Showing late payments to account that I was not playing.
Product: Credit reporting or other personal consumer reports

By the Fair Credit Reporting Act, the unauthorized inquiry has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The inquiry below has violated my rights. 15 U.S.C 1681 section 602A. 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 an inquiry 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 ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Delete the unauthorized inquiry below : Creditor Name : XXXX XXXX I, Date of inquiry : XX/XX/year>, XXXX : Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the XXXX XXXX XXXX account was still found in my report which I believe has been taken care of due to the written appeals I sent. The last letter sent to TransUnion was on XX/XX/2020, but no response was ever received from them to date. This account, in my report, is late payment for the months during the pandemic. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, XXXX : I submitted the enclosed disputes regarding my federal student loans through XXXX. The dispute was sent to XXXX, XXXX, and Equifax. I have been in the process of purchasing a new home and my loans went through the Fresh Start program. As per the two conversations that I had directly with the Department of Education, I was told that all negative information that was previously reported would be removed. The disputes were specific to each bureau. XXXX decided not to pursue the disputes. Instead, I received a letter dated XX/XX/2023, with contradictory wording. It starts off by stating that after a careful review of my account, a determination was made that no adjustments are needed. The reason provided was because of an incomplete or invalid dispute. This was followed by claiming that under the FCRA a data provider doesnt need to investigate disputes received directly from consumers. For starters, the dispute came directly from the bureaus. Furthermore, the results should have also come back from the three bureaus. That never happened. Just a form letter from someone who didnt take the time to review the disputes. 
XXXX, XXXX, & EQUIFAX The attached response from XXXX indicates that you didn't provide the information listed in my individualized dispute sent to all three bureaus. You too share a part in the blame for my credit reporting incorrectly.
Product: Credit reporting, credit repair services, or other personal consumer reports

after fully going over my costumer report I find that I still have accounts that's been actually deleted still reporting. some accounts have been put back on report after being deleted. I would like for y'all to fully ivestigate to have these accounts removed as soon as possible. most of these accounts are reporting inaccurate information also. dates balances. accounts are showing deleted off one credit bureau and not the others 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
Product: Checking or savings account

Fifth third bank kept my funds and allowed fraudulent activity to go on into in my account. My credit card payment was negatively impacted due to fifth thirds negligence which impacted my credit score dramatically. Fifth third bank agreed to release my funds several times via telephone. Then refused at the last minute. Causing financial burden fifth third bank did not close my savings and checking accounts when I demanded due to fraudulent activity.
Product: Debt collection

I contacted XXXX  with documentation stating I didn't have any knowledge of a debt owed and I provided supporting documentation regarding these collection. The other bureau 's removed the incorrect information, but XXXX  refused to have this collection removed. I believe they are discriminating, I constantly monitor my credit and know what is happening all the time.
Product: Credit card or prepaid card

I have been unable to get a replacement debit MasterCard from the GoProgram customer service at XXXX or online at www.GoProgram.com. Their customer service is completely unreachable. Online it says my card number is not valid and says to call the phone number above. ( My card has expired and that is why I need a new one ). The phone prompts take me in a path that says my information is not valid and hangs up on me, or it says to go back online and use their website. There is no way to get to a human and ask a question or get my problem resolved. Their information says their support line is open 24/7. I  have called that number at all times of the day and night for the last 3 weeks ( at least 15 times ) and have not been able to reach anyone. The authorization to have this card is from my employer, XXXX XXXX XXXX. It is a " XXXX  XXXX  '' " Way2Go '' Debit MasterCard. 

I have contacted the payroll department at my employer and they said I have to go through the Way2GO GoProgram customer service to get a new card and/or fix the problem with my existing card. Three times my payroll department has attempted a phone transfer for me to the GoProgram customer service, but the results are the same and no contact or resolution possibility is available ... and the line goes dead or hangs up. 

This is a complete failure by this company to provided provide service. I even called MasterCard and they said they just make the cards for the GoProgram Way2Go XXXX  XXXX  and could not offer any advice other than to try the same phone number I have been dialing for weeks. 

All I want to do is order a new card that works ... but there is no way to do that within their current system. 
Please assist.
Product: Credit card or prepaid card

MY NAME IS XXXX XXXX XXXX, XXXX XXXX, ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX. THE ACCOUNT WITH THE ACCOUNT NUMBER XXXX IS A FRAUDULANT ACCOUNT REPORTING ON MY CREDIT REPORT
Product: Mortgage

MY ADDITIONAL PRINICPAL PAYMENT REVERSED AND APPLIED TOWARDS INTEREST??? 

I ALREADY HAVE AUTO PAY ON AND THE MONTHLY PAYMENT DUE FOR XXXX WAS ALREADY MADE ON THE XXXX OF XXXX OF THE XXXX CALENDAR. 

I WILL SUE YOU IF YOU DONT APPLY THE ENTIRETY OF MY ADDITIONAL PRINCIPAL PAYMENT TOWARDS THE PRINCIPAL OF MY LOAN AND IF THIS HAPPENS AGAIN. 

THERE IS NO PENALTY FOR ADDITIONAL PRINCIPAL PAYMENTS AS WRITTEN IN MY ORIGINAL LOAN. 

THIS IS MY ONE AND ONLY NOTICE BEFORE LEGAL ACTION. YOU HAVE ONE BUSINESS DAY TO RESOLVE THIS MATTER. 

OTHERWISE I WILL CHARGE YOU AT AN INTEREST RATE OF 125 % PER DAY ON THE MONEY NOT APPLIED TO MY PRINCIPAL IF IT IS NOT RESOLVED. 

I AM ABSOLUTELY ON MY LAST NERVE HERE. RIDICULOUS.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX at XXXX XXXX, we went in to open a new checking account. We had {$2700.00} cash to deposit into the new account. The woman opening our account asked us how much money we had, we told her a little over {$2700.00}. She took the money from her desk back to the teller station to deposit it. She did not count in front of us before she took it. She came back with a deposit slip of {$1300.00}. We told her that was wrong and her reply was " Well the machine is n't wrong. You can call back in the morning to see if the drawer was off. '' By this time it was XXXX XXXX and they were closing the lobby. We left to make sure no money was left at home. 

XX/XX/XXXX, we went back to the bank when the lobby opened and asked to speak with the branch manager. The branch manager had n't made it in yet so we talked with the assistant branch manager. We told her the situation and she advised us to file a dispute. She pulled the screenshot of the deposit that was made on the bill counter and we immediately told her it was wrong because there was no {$50.00} bill counted and we know for fact there was one {$50.00} bill on the bottom of the stack of money. While she was filing the dispute, the computer had messed up to where she could n't answer all of the questions. She told us she had to add them in the comments. She said we should hear something soon on the dispute. 

XX/XX/XXXX, we went back to the bank to check on the dispute to learn from another bank employee that the dispute was never finished. She tried to complete the questions but was n't able to due to not being the one to file it. She called the branch manager and was told the branch manager had to do it and would finish it that afternoon. We were then told that the dispute would take ten business days and we would be notified by mail. 

XX/XX/XXXX, I called and talked with the branch manager to verify that the questions were answered and the dispute was filed and she assured me it was taken care of the day before. 

XX/XX/XXXX, I called to talk with the assistant branch manager to check on the dispute. she was on the phone. I left a message to return my call and never got a call back. 

XX/XX/XXXX, I called customer service to check the status on the dispute the person I talked to could not find it on our account. She then called the local branch employee who filed it to figure out what was going on. She then told me that employee would give me a call tomorrow due to the dispute office being closed for the day. Never got a call back. 

XX/XX/XXXX, I called customer service to check the status of the dispute and possibly talk to someone higher up since the branch manager had failed to return calls. Customer service found the dispute and attached another file to it and told me they would review it again. I also filed a complaint.
Product: Debt collection

I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case. This ONLINE INFORMATION SERVICE account with a balance of {$290.00} has just popped up on my credit report without ever communicating to me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number. I do not owe this company and I Right now I am getting an alert on my XXXX XXXX and credit monitoring service saying my credit score has dropped tremendously. I can furnish the images of this alert showing the collections company. They are hurting me financially and this is a really big issue. To my understanding they must be compliant with laws and regulations that say they must write the consumer within days of the first communication. They are using my credit to communicate with me yet they NEVER wrote me before. If they don't write me then how could send me a right to dispute or explain my rights? Please review the original paperwork for this account. I request they send me a copy of this information to my address. I also request the original contract signed showing my signature long with all other pages of the original agreement. I am suffering damages because of this error. I have been a victim of ID theft before and I monitor my financial affairs very closely. To me this seems like an instance of debt parking that I read about on the FTC website. The Federal Trade Commission has taken action against debt collection companies that allegedly placed bogus or highly questionable debts onto consumers credit reports to coerce them to pay the debts. They label this as DEBT PARKING. The Federal Trade Commission recently took action against a Missouri XXXX XXXX and its owners, alleging that they collected more than {$24.00} XXXX from consumers, largely by placing bogus or highly questionable debts on their credit reports. The defendants used this illegal debt parking to coerce people to pay debts they didnt owe or didnt recognize, XXXX XXXX XXXX director of the F.T.C.s bureau of consumer protection , said in prepared remarks about the agencys settlement with the company, XXXX XXXX XXXX XXXX I DO NOT HAVE ANY BUSINESS RELATIONSHIP WITH THIS COMPANY and I am concerned they have unethicality acquired my information and they are acting unethically with their debt collections. There is a process in law that protects consumers from these illegal actions. This account is lowering my credit score and if I am declined for anything, I will seek financial remedy by talking to an fdcpa lawyer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
Original Creditor : 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 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 reporting or other personal consumer reports

I did an online application with XXXX XXXX and they said i was pre-approved for a loan for {$8000.00}. After they tried to obtain a copy of my Experian Credit Report they said that it came back as if I had a fraud alert or an issue with Experian ( personal information ).
Product: Checking or savings account

I used my debit card on a website roughly XX/XX/XXXX. It was a scam and on the XXXX or so they started charging my debit card for over {$4000.00} on things like XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX reoccurring payments, etc over XXXX charges in a matter of hours. I called and had the card cancelled immediately. The phone attendant cancelled the card but failed to close the case. I spent XXXX hours in-person at a local bank location and they basically just called the same number I could call from my cell phone. Bank of America did stop many of the purchases before they could process, but there is still significant amount of charges that the bank has been investigating for two weeks. I received a email message yesterday that the bank reached a conclusion. The outcome of the investigation was that they would not pay for the more than {$3000.00} in remaining charges that were fraudulent. I called and spent over an hour today asking them to please reopen the investigation and to call me if there are any issues or questions. They were supposed to call me tonight to report on the outcome but did not. I have zero faith they are going to err in my favor given the terrible customer service Ive received thus far.