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

I learned that my personal information was part of the security breach at Equifax and signed up for their complimentary credit monitoring service, XXXX XXXX, on XXXX XXXX, XXXX. At that time, a message stated an email will be sent within the next several days with a link to complete the sign-up process. I have called them several times and they just keep telling me to wait and they have a lot of people to respond to. As of today, XXXX XXXX, XXXX, I still have n't received the email with the link to complete the process. I have helped others with this same problem after I submitted my information and they have received their email link. I do n't understand what the problem is and tired of getting ignored by Equifax when they where negligent in protecting my information in the first place.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested for the credit bureau to do a thorough investigation and verification of my credit report. I have also reviewed and verified the information and have found these to be inaccurate. In accordance with the Fair Credit Reporting Act the following accounts have been reported in error. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX In accordance to the Fair credit reporting act account # has violated my rights 15 U.S.C 1681 section 602 A states that I have the right to privacy 15U.S.C 1681 section 602 A Section 2 states that a consumer reporting agency can not furnish an account without written instruction.
Product: Credit reporting or other personal consumer reports

Ive used experienced faithfully. Here recently it keeps saying use my credit card to view reports I never signed up for a different membership when I called to ask whats going on they said they had to cancel my membership now I cant see scores. At this point these credit companies work together Im convinced I just had this issue w XXXX now when I log in to experian its a blank page so I guess I have to pay to see scores now????
Product: Debt collection

I got a call I owed XXXX $ dollars to insurance for a hospital visit that I never knew, or had any involvement with. I havent been to the hospital since I was very young. Records show.
Product: Checking or savings account

Dear CFPB investigator I have opened this account for just about one month, and today I received my first statement with a {$25.00} service charge. I think it was because I didn't meet the {$7500.00} minimum balance to waive the fee, but I have added an external bank account ending XXXX from XXXX to fund my account, and I saw the account was disappeared after I scheduled an external transfer? So may I know why do People 's United Bank removed my external account and cancelled my external transfer? And could you please ask the bank to waive my {$25.00} fee, which was caused by the bank cancelled my external transfer and not meet the {$7500.00} minimum balance. 

Thank you, XXXX XXXX
Product: Mortgage

Dovenmuehle is overcharging me for insurance. 
The problem began when they were late in paying for my homeowners insurance policy because they were late the insurance I had secured canceled my policy now Dovenmuehle   expects me to pay for the months that didnt have insurance because they were late in making the payment. 
I started getting notices back in XX/XX/2020 stating they didnt have a policy for my home on file. I let them know that I had obtained Bankers after XXXX XXXX canceled my original policy. Bankers notified Dovenmuehle  in XXXX that they had a policy for my-home at XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX. 
Dovenmuehle  didnt pay for the policy until XX/XX/2020. Bankers canceled the police as of XX/XX/2020 do to non payment and wouldnt reinstate the policy because it was late. 
Dovenmuehle  made two payments to Bankers one for {$2200.00} and {$22000.00} for a policy that was {$2200.00} a year. 
On XX/XX/2020 I received a phone call from XXXX XXXX who said he works in the escalation department or Dovenmuehle and that they had finished their escrow analysis into the shortage and I would be getting a letter in the mail detailing the outcome but he did tell me that I would not have to pay for insurance for the laps of time XX/XX/2020 to XX/XX/2020 because of the mistake with the payment. 
Now Dovenmuehle has sent me a letter stating they are charging me over {$600.00} for the laps from XX/XX/2020 till XX/XX/2020 and telling me I have to pay this amount even though IT WAS THEIR MISTAKE THE INSURANCE WAS NOT PAID ON TIME. 

DOVENMUEHLE IS TELLING ME THAT I HAVE TO PAY FOR TWO MONTHS OF INSURANCE THEY DEEMED I HAD NO INSURANCE EVN THOUGH THEY DID NOT PAY IT ON TIME WHEN IN FACT THERE WAS ONLY ONE MONTH WITHOUT INSURANCE DO TO THEIR MISTAKE OF NOT PAYING FOR THE INSURANCE ON TIME. 

Allied trust did not cancel my insurance until XX/XX/2020 as the attached document will show. 

REVIEW Dovenmuehle did not pay Banker insurance on time so Banker canceled insurance policy. 
Dovenmuehle sent me a new letter telling me I had to pay for two months do to their non payment to Bankers. 
Dovenmuehle is OVERCHARGING two months for insurance do to their NON PAYMENT of the Bankers policy on time. 
XXXX XXXX from Dovenmuehle said they were waiving the two months that had no insurance policy do to DOVENMUEHLE LATE PAYMENT to Bankers. 

Attached you will find the documents supporting my claim against DOVENMUEHLE
Product: Debt collection

Without sending me any written notification, and after telling me that my account was paid in full, they sent my name to a collection agency. The collection agency ( I don't even know their name. ) never sent me anything in writing, nor did they contact me by email. Now due to this alleged unpaid account ( I think it's aroud {$96.00}. ) my XXXX Credit Score has decrease from XXXX to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Two XXXX XXXXXXXX credit cards were opened in my name. Both cards were maxed out and left unpaid now showing as collections on my credit report. I've already filed a dispute on these charges with both the originating company as well as the credit reporting company. The originating company was not helpful and claimed because I couldn't show proof they weren't opened by me ( how do you even do this ) that they would remain under my name.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX, I was in communication with XXXX XXXX XXXX XXXX, who is my custom clearance company from New Jersey, regarding my invoice regarding a shipment and its status of arriving. During that conversation, I received an email from a similar domain of XXXX XXXX 's representative, who was a scammer, asking for an outstanding amount of USD XXXX with new account details and used XXXX XXXX account name for deposit of the amount. 

The amount was due to XXXX XXXX and the maturity date of the payment had also arrived. We were tricked in such an obvious way that we could not even think for a second that we were getting scammed. 

The payment due date, the signature at the end of the email, the amount of invoice and the account details were all matching the actual vendor. 

The new account the scammer provided were : Bank Name : FNBO Account number - XXXX Swift Code : XXXX Bank address- XXXX XXXX XXXX XXXX XXXX , CO , XXXX Routing number - XXXX We unfortunately went ahead with the payment and sent the screenshot over XXXX to the actual guy from XXXX XXXX XXXX to which they were shocked and refused to provide any new account details but it was too late until then as it was an ACH transfer. 

Upon checking, we found with FNBO that the actual beneficiary name is : XXXX XXXX Other than this, they refused to cooperate or provide any information.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX My wife started the process to refinance the loan through another company and remove my name from the account. I informed XXXX XXXX XXXX of what I was doing, and they said it was fine there was nothing needed on their end. The new company sent out the final payment in XXXX and it was received the second week of XX/XX/XXXX. XXXX XXXXXXXX XXXX marked on my credit report the XXXX payment as late, even though they knew they were getting a paid in full, and with COVID around this time unfortunately the mail was late. My daughter was in the ICU, and XXXX XXXXXXXX XXXX marked it late having a negative impact on my credit score even though they received the paid in full amount.
Product: Student loan

In XXXX, my account with Mohela was placed into administrative forbearance due to Mohela incorrectly billing people. I received notification that this would still count towards my PSLF. Again, in XXXX, my account was placed into processing forbearance since mohela was delayed in processing my new IDR plan. Again, I received communication that this would count to my PSLF counts. On my account, both months are showing as ineligible for PSLF. I was informed my multiple Mohela employees ( XXXX, XXXX, and XXXX ) over XXXX separate calls that despite it showing up that way on the website, if I submit the employment recertification/verification, XXXX and XXXX would be counted as eligible. So, i submitted the requested paperwork and received my results today ( XX/XX/XXXX ). XXXX and XXXX were NOT counted towards my PSLF. Additionally, they also did not count XXXX for my unsubsidzed loans ( only towards subsidized ). This makes so sense, as my account is not in forbearance and I paid my XXXX bill in full.
Product: Checking or savings account

Wesbanco upgraded their online banking software in XXXX. Ever since then, I have had several issues accessing my account, and encountered several late fees because their upgrade caused ALL electronic payees to be re-entered. I lost access to my account for XXXX days straight, of which e-bills were " lost ''. Wesbanco claimed it was my responsibility to re-enter those, but how could I when the bill was already an e-bill, and was to be delivered to their XXXX XXXX system? Fast forward to yesterday ( XX/XX/XXXX ) and today ( XX/XX/XXXX ), where I can not access any current transactions, all activity is from XX/XX/XXXX. I can not see deposits and it showed my account with a negative balance although I had deposited money and transferred money in from another account. I have tried contacting them, and have saved messages between myself and Wesbanco. They use the same excuse over and over that it's a problem or " feature '' of the new system. Please advise. I will attach a message from today 's communication with them, but I do have others highlighting the issues from the initial system upgrade. Thank-you.
Product: Credit reporting 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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the rights 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 infromation : Any adverse items of infromation, 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, 2022 {$130.00} XXXX XXXX XXXX Reported : XXXX XXXX, 2022 {$950.00} XXXX XXXX XXXX Reported : XXXX XXXX, 2022 {$2000.00} I asked the credit bureaus to do an accurate investigation of the delinquencies on my account to ensure validity. The accounts are not accurate as they were not incurred by me. These are fraudulent accounts. I am requesting that they be removed immediately. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  violated my rights 1681c2. Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer.

( 2 ) a copy of an identity theft report.

( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

( b ) Notification A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) - ( 1 ) that the information may be a result of identity theft.

( 2 ) that an identity theft report has been filed.

( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block.

Also, 15 USC 1681 Section 602 A states I have the right to privacy.

15 USC 1684 Section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted this creditors and the credit reporting bureaus on various fraudulent accounts multiple times and requested an investigation to verify the debt and ask who opened and signed for these accounts. I also ask them to remove these fraudulent accounts reporting in my consumer file that do not belong to me. They have not mailed me any results and have yet to contact me regarding this matter. They are not cooperating with me at all. The account listed below were opened in result of identity theft. My information was exposed in 2018 XXXX data breach.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that XXXX 
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
Product: Credit reporting or other personal consumer reports

in accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2 Account name : XXXX XXXX XXXX XXXX  Account name : XXXX XXXX XXXXXXXX Account name XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name XXXX XXXX XXXX XXXX XXXX XXXX 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.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu 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: Mortgage

https : //www.loandepot.com NMLS # XXXX -NMLS Consumer Access XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX x XXXX XXXX ) XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, CA XXXX UNSOLICTATED JUNK MAIL USING MY PERSONAL INFORMATION This company its using my name and personal information for marketing and solicitation. I just don't understand why this company is harassing me with unsolicited and never requested mail and loan offers. A misleading mail with no address, except in small letters hard to find. 

How this company got my information, what gives the right to this company to use my name and address. 
This company needs to respect the fact that my name is at the XXXX XXXX Opp -out list and every credit bureau op-out list to included also the XXXX. Please ask this company why they don't respect that, and Im pretty sure they're excused will be that my name got obtained out public records. I would like to know where? 
Please stop remove my name out their data base, and ask every marketing company associated with this company, not to use my name. I'm a XXXX, I'm a XXXX  veteran and also I'm a senior citizen being target by this junk unsolicited mail. ) just because I, m a veteran who served our country ) I had never requested, and I will never do business with this company. STOP do not contact me, do not call me, do not mail me, do not email me please.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022. Transunion, XXXX, and XXXX failed to produce an investigative report on XXXX XXXX XXXX aka XXXXXXXX XXXX XXXX aka XXXXXXXX XXXX XXXX accounts posted to my consumer report. It is a violation of my consumer credit rights to report on a debt I never validated. It is identity theft to transfer or allegedly transfer a taxpayer identification number without the authorization of the taxpayer to aid and abet a form of payment. It is tax fraud to not sent copies of 1099c and 1099 OID to the taxpayer by XX/XX/XXXX of the following year. It is a violation to assign say any consumer owes a debt and that any debt is seriously past due date/ assigned to attorney, collection agency, or credit grantor 's internal collection department. That is a violation of 15 USC 1692e, no lawyer, no collection agency or allege credit grantor can act as a debt collector.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recieved a notice in the mail off a debt of {$7300.00} dollars with my name on it from this Company in XX/XX/XXXX which I have no Knowledge of. When I decided to look into it I noticed that the Companies name was on all three of my credit reports. I do remember disputing this matter earlier in XXXX with all 3 credit bureaus but the account still remains on my reports. XX/XX/XXXX I sent the company a letter asking them to validate this account they never responded to my request. XX/XX/XXXX I decided to dispute it again with the with XXXX, XXXX and XXXX   only to have this account remain on my report without changes. XX/XX/XXXX I emailed this company with the same request for validation of this account thinking I would get a response from them this time on the matter. With no response from the mailed letter and email, I decided to send a second email to them of the same request. This time they responded to me stating that they will contact me after they do a investagation which I think was just said to get me to stop sending my request for validation. I been trying do get answers for a year now by myself but to this day this account have not been validated to me with any documentation.
Product: Debt collection

I have requested Renton Collection XXXX to provide me with written statement of my debts via mail or email, they have refused to email it to me.
Product: Credit card or prepaid card

Theres a charge on my PayPal Credit card that I did not make. According to PayPal the transaction is consistent with my purchase history. An XXXX transaction in the amount of {$860.00} made in XXXX  I never made such transaction nor have made any previous transactions from XXXX for them to say it is consistent with my purchase history. Even though I told them that several of my accounts had been hacked and used fraudulently.
Product: Vehicle loan or lease

I obtained a car loan with Mechanics Bank in XXXX of XXXX. In XXXX of XXXX, I refinanced with XXXX  XXXX whom paid off Mechanics Bank in full and the account with Mechanics Bank was closed. Mechanics bank also released the lien and transferred title to XXXX XXXX. XXXX  XXXX obtained the payoff amount of {$22000.00} through their automated system which was good until XX/XX/XXXX. This payoff amount/good thru date is also on the XXXX statement I received from mechanics bank. The payoff was received by mechanics bank and processed on XX/XX/XXXX, XXXX payment for {$20000.00} and another on XX/XX/XXXX for {$2200.00} which totals {$22000.00}. As of XX/XX/XXXX it was reported to the credit bureau that the account was paid off and closed. On XX/XX/XXXX I checked my credit report and seen Mechanics Bank reported that the account was open again and there was a {$2600.00} balance. I called Mechanics and spoke with XXXX on XX/XX/XXXX. He said that the payoff made in XX/XX/XXXX was short by {$2600.00}. I asked how it could be short so much, especially when we have proof of the payoff amount they gave us. Not only that, if it was short, why am I finding out about this 5 months later. He said on XX/XX/XXXX there was a payment of {$2500.00} made to my account in error by Mechanics Bank themselves. They didnt realize this error until XXXX of XXXX. Now they have fraudently re-opened this account after already closing it and marking it as paid in full. Aside from this, they released the lien on my XXXX  XXXX and transferred title to XXXX  XXXX. This HUGE error is not my fault nor should I be responsible for it. No one notified me of this error either. They just re-opened the account and reported this balance to the credit bureau. XXXX  XXXX isnt able to absorb this {$2600.00} balance as that would require me to re-finance my loan with them which XXXX XXXX does NOT offer. Now Im expected to make two separate car payments. One to mechanics bank at a 9 % interest rate for {$450.00} until this {$2600.00} balance is paid off. Another with XXXX  XXXX at a 5 % interest rate for {$370.00} a month. This is not something I can do nor should I be liable for their mistake. This {$2600.00} wouldve been paid if it was included in the payoff amount we obtained, which it was not. Due to their mistake of applying this {$2500.00} payment to my account, they gave the wrong payoff amount and should be fully liable for this balance.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had eleven late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX XXXXXXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided. I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted multiple disputes including the original documentation provided by the creditor that showed that the original agreement with the creditor did not include my signature on any legal documents, just a generic signature that could have been typed by anyone as indicated in the attachment
Product: Credit card

I signed up for a Best Buy credit card many years ago. Since 2011 I 've been charged roughly {$410.00} for some Debt Protection that I never signed up for. It shows up on my statements as XXXX. I only recently noticed this. I got it cancelled but this is XXXX. That money could go to far better use than to line someone else 's pockets.