23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Please add this too. 

XXXX XXXX XXXXXXXX XXXX cont. XXXX XXXX XXXX returned a call with an update from WF. Unfortunately, is not able to do S .... company policy. I asked for her supervisor 's contact information, and was declined. Please assist. XXXX Not exactly a customer concern bank. Sad and true Spoke with XXXX XXXX. Awaiting XXXX XXXX ... .. after XXXX XXXX from the WF Exec office, and as per my prior conversation XXXX XXXX and WF continue their trickery. I never agreed to the mediation resolution for the HELOC loan. There is no documentation and I never agreed. The sole purpose of the mediation was to discuss the HELOC loan and my request for XXXX, XXXX XXXX The trickery is that WF agreed to discuss a CHECKING ACCOUNT only and agreed to discuss the HELOC loan at a later date, after the mediation WF continues false assumptions to what was discussed in the mediation and is tricking CFPB and other customers in more fraudulent behavior. XXXX XXXX and XXXX XXXX do not tell the truth and are misleading CFPB. Please reach out to alternative POCs at WF. Per WFs request by mail to go through a mediation process on XX/XX/2023, may we please proceed. Please assure that WF does not apply trickery and delay tactics as they practice on a ongoing process. All the issues are real and they need to be held to account. WF has belayed and continues to say that they have reviewed the issues yet has done nothing. WF never looked into the fraudulent activities of XXXX XXXX XXXX. The Builder XXXX XXXX has passed, was sued by all the clients and filed for bankruptcy and eventually filled for title... I provided XXXX XXXX 's phone number and all other contact information, The bank is liable for his actions and all the other questionable banking activities. I asked not to close the loan, no other bank would provide banking services to XXXX XXXX and through out the loan WF behaved in an unprofessional matter befitting a bank. WF tricked me into going to mediation and only agreed to discuss the checking account and then turned around and stated that the mediation pertained to all the issues with WF which is untrue. They should be out of the banking business and the mediation lawyer assured me that I can pursue the issues but refused to provide a written statement. Please investigate WF for fraud and lying to customers and gaining financially. They were required by CFPBB to make good on their wrong doing yet they have yet to provide adequate compensation. The WF game continues. The gate keepers, XXXX XXXX and XXXX XXXX are following the WF line and should be in a different position or business. Please provide a more truth telling POC WF as in the past is playing the clock. Please hold them to account so we may truthfully mediate. WF is a fraudulent bank. Please hold them to account.
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing to express my frustration and disappointment with the numerous attempts made to remove fraudulent items from my account. 

Despite multiple attempts and assurances from your representatives, the fraudulent items have not been adequately addressed. Each attempt to rectify this issue has been met with delays, conflicting information, and ultimately, no resolution. This prolonged and ineffective process has not only caused significant inconvenience but has also eroded my trust in your company 's ability to safeguard its customers against fraudulent activity. 

As a loyal customer, I expected a more efficient and proactive response from your company in addressing this matter. The repeated failure to promptly remove the fraudulent items from my account has not only compromised my financial security but has also caused unnecessary stress and frustration. 

I urge you to take immediate action to rectify this situation. I request that you expedite the process of removing the fraudulent items from my account without further delay. Additionally, I expect transparent communication regarding the steps being taken to prevent similar occurrences in the future. 

Furthermore, I believe it is reasonable to request compensation for the inconvenience and distress caused by this oversight. I trust that you will handle this matter with the urgency and seriousness it deserves and provide me with a satisfactory resolution promptly. With this, I am asking for your assistance to remove these fraud items in my credit file : MO CHLD SPRT XXXX Balance Owed : {$2900.00} XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX MO CHLD SPRT XXXX Balance Owed : {$2100.00} XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX, MO XXXX MO CHLD SPRT XXXX Balance Owed : {$2900.00} XXXX XXXX Balance Owed : {$600.00} XXXX XX/XX/2023 XXXX XX/XX/2XXXX XXXX XXXX XXXXXX/XX/2023.
Product: Debt collection

Subject : Request for Correction of Inaccuracies in Credit Report I am reaching out to address discrepancies present in my credit report, which your company has published and has led to my recent credit denial. The information in question pertains to the following accounts : Under 15 U.S.C. 1681i ( 7 ) Method of Verification, this account is in violation, reported without valid evidence : XXXX Account XXXX : XXXX Please remove it from my credit report. XXXX Account XXXX : XXXX Please remove it from my credit report. XXXX  XXXX Account Number : XXXX Please remove it from my credit report. I want to stress that I did not provide written permission or instructions for these specific transactions to be included in my consumer report. I formally request the blocking and deletion of these accounts, and I emphasize that this request is not in error and is not based on any material misrepresentation of facts concerning the request for blocking these transactions. Your company seems to be in violation of the law, as outlined in 15 U.S.C 1681a 2 ( A ) ( i ), stating that a consumer report should not include : " ( A ) subject to section 1681s-3 of this title, any -- - ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report! '' The law explicitly states that XXXX making the report should not be included in my consumer report. Utilization, as an experience related to the line of credit extended between the consumer and the reporting entity, should not be included in the consumer report, as clearly stated by Congress. I insist that you update my utilization to 5 % or below within 10 calendar days or remove all utilization from the mentioned accounts. Additionally, I demand that you provide all documents on which you are relying for reporting accounts ( 1 ) and ( 2 ) mentioned earlier. This request aligns with your obligations under the Fair Credit Reporting Act ( 15 U.S.C. 1681g ), granting consumers access to these records. The information you are reporting is damaging my reputation and adversely affecting my creditworthiness. Therefore, I request and demand that you remove these accounts from my file within 30 days, as required by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or verify these accounts. Apart from the removal of erroneous and unverified information, kindly remove all non-account holding inquiries over 30 days old. According to XXXX XXXX XXXXXXXX XXXX, XXXX XXXXXXXX XXXX " verification '' is defined as " confirmation of correctness, truth, or authenticity by affidavit, oath, or deposition. An affidavit of the truth of a matter stated, and the purpose of verification is to ensure the good faith of a party 's averments or statements. '' Failure to respond satisfactorily with the deletion of the above utilization & inquiries will result in legal actions being taken against your company, and I will seek {$1000.00} per violation for : Defamation of Character Civil Liability Fair Credit Reporting Act 15 U.S.C 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2022 I sent letters to Experian, XXXX, and transunion to validate these innacurate accounts below or remove they are breaking the law. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. If you can not provide this proof for these accounts below in 30 days you must remove this inaccurate info from my report. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 

they did not provide verifiable proof to for any of these accounts 1. The following account is inaccurate and isnt mine XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report 2. The following account is inaccurate and isnt mine XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX ) Account Number : XXXX Please remove it from my credit report. 
3. The following account is inaccurate and isnt mine XXXX  XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has not provided any proof of XXXX contract or my signature regarding permission to pull hard credit. Transunion nor XXXX have not provided any soild paper or digital contract regarding permission to pull hard credit.one excuse after another by Transunion issues not providing proof from XXXX no contract by transunion or any documents to support by transunion hard credit on my file by XXXX.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I transferred {$350.00} to my paypal account, the money never showed up in my PayPal balance it said unclaimed. Well I selected the option to get it refunded back to cash app since it never showed in my balance.. on their end it says complete but i still havent received my cash. I have talk to 4 supervisors and 3 representatives and they all have been rude and basically telling me its nothing they could do. Although the money left their institution and i havent see. If since!! Im stressed out and have been through so much with this {$350.00}. Its been 25 business days, and 35 days in total with no refund. Their policy states after 30 days they will credit it back to my balance. I brought that up to them and she is still saying its nothing they could do contact XXXX  XXXX. Can you help me please? I just want my {$350.00} this is so unfair!! Ive been with paypal for over 4years i get my work check deposited every two weeks i have no reason to steal or lie i just need what is mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX has failed to send requested documents, such as a statement stating that they was aware of the car location. Once the statement is enclosed with the fraud affidavit I will sign it. Your company was aware that the XXXX XXXX Police Department found the car and it was available for pick up by XXXX XXXX immediately. XXXX XXXX failed to pick up the car from the XXXX XXXX Police inbound @ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX. Your company also release the title to the car to XXXX XXXX for Lien sale of the vehicle by the XXXX XXXX Police department tow yard. 

Please explain why your company was not interested in the vehicle and you allowed the lien sale and still trying to collect the debt from me. 

Once again I will sign another affidavit once I receive the statement above.
Product: Mortgage

My homeowners insurance payment of {$2000.00} was due on XX/XX/XXXX. I received a notice on XX/XX/XXXX dated XX/XX/XXXX from my insurance provider that a payment had not been received. I called the NewRez customer service department and was informed that the check was issued on XX/XX/XXXX, and probably wasnt mailed out until a few days later and probably just had not been processed yet. 
When I asked why it was issued so late I was informed that they did not have my insurance information on file. They purchased my loan back in XX/XX/XXXX and after checking with my insurance agent, I found out they did not change the policy holder information when they took over the loan. They waited until my payment was almost due to change the information on the policy, so it was due to their error that they did not have the insurance information needed to make the payment on time. 
I reached out to my agent and he said that he would keep an eye on my account and let me know when the payment was received. 

On XX/XX/XXXX I received an email from our agent that the payment still had not been received. I reached out to NewRez customer service again to see if the check had cleared so we could try and track the payment. I was informed that a stop payment had been put on the original check and that a second check was issued on XX/XX/XXXX. 

On XX/XX/XXXX I received another email from our agen that the payment still had not been received, so I reached out to NewRez once again. I was informed that the check had not cleared yet, but that they would keep watching it and if it hadnt cleared soon that they would put a stop payment on it and issue another check. I informed them that the payment is already 37 days late and I am at risk of having my insurance cancelled. I was told to just check back in a few days and see if the check had cleared. There didnt seem to be much concern that my insurance was at risk at the fault of NewRez. 

Shellpoint Mortgaging Servicing dba NewRez is the servicer of our mortgage loan, and it is their duty to make timely escrow disbursements under federal mortgage servicing law. This includes disbursing our homeowners insurance payment. They have failed to do this and now my insurance is at risk of being cancelled. If they are unable to get a check mailed then they need to wire the money directly, or make the payment in another manner to make sure that it is received by my insurance provider.
Product: Credit reporting

On XX/XX/2016 I was advised by XXXX in the XXXX with Equifax that my credit file was going to be locked and that they needed me to submit my Social Security Card as well as a XXXX form XXXX to them via fax to verify my identity after I have been dealing with them for going on a year now filing disputes on my credit report. I recently submitted a complaint with the CFPB on XX/XX/2016 against Equifax and when I asked them why they were responding to my complaint with information that they received from XXXX of the company 's on XX/XX/2016 which is prior to when I submitted my complaint with the CFPB they decided to transfer my file over to the Consumer Affairs Department who is now requiring these documents be submitted to them which I did comply and submit the documents on XX/XX/2016 and faxed them to Equifax. I called Equifax XXXX XX/XX/2016 and asked them to REMOVE the lock off my credit file and they told me no they were not going to remove the lock off my credit file until they are able to verify my identity which could take XXXX hours which I believe is in violation of my rights to lock my credit file. I have filed a complaint with the FTC as well as filing a complaint with my local senators office regarding this matter.
Product: Checking or savings account

As a consumer I had both a personal and a business checking account with Bank of America and due to identity theft these accounts were closed down without proper validation. These actions greatly affected me financially. Recently I put them on notice regarding this issue and Bank of America stop reporting negative information to third-party companies. As of today I contacted Bank of America trying to open up accounts with the institution and was denied in violation of my consumer rights. Bank of America is discriminating against me based off my false and in accurate information. The harm that is being done to me is defamation to my character and my financial stability. It is unconstitutional for Bank of America to deny my rights as a consumer without providing just compensation for their dishonor.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX Account # XXXX, 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.
Product: Credit reporting or other personal consumer reports

I am writing to request the blocking and deletion of certain accounts on my credit report as I am a victim of a data breach. As permitted under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that all accounts mentioned below, which were fraudulently opened or accessed, be immediately blocked and removed from my credit file. 
The specific accounts and inquiries that need to be blocked and deleted are as follows : Accounts : XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$1900.00} XXXX XXXX XXXX - XX/XX/XXXX - {$920.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$330.00} XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$1300.00} Inquiries : 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

On XXXX, Lexisnexis sent my insurance company a report with a negative code " Percent of accounts reported in the last XXXX  months to total accounts on file ''. After multiple calls to lexisnexis, they stated that this means that they were comparing XXXX years of accounts on file to XXXX months of active accounts. 
I have XXXX active accounts and XXXX accounts that were paid in full and closed more than XXXX months ago. This resulted in a negative score for my insurance company and increased my insurance rates. The information is correct. Lexis nexis is not compiling it properly. 
They are comparing XXXX years against XXXX  years and giving me a negative score. 
When I finally talked to a supervisor ( XXXX ) She told me that all the can do is file a complaint with XXXX. The XXXX  information is not the problem. The problem is HOW lexisnexis is interpreting that information. 
I asked how I could challenge or dispute this finding and she told me that there is NO WAY to dispute the lexisnexis code and they would not remove this unwarranted negative mark against my insurance score.

As a resolution, I would like to be able to dispute this score and have this negative mark removed and a new, accurate report generated for my insurance company.
Product: Debt collection

I received a call from Convergent in late XX/XX/XXXX stating that i owed debt to XXXX. I explained to the representative that i did have debt with XXXX, but i settled with them and paid back in XX/XX/XXXX. So then a couple of weeks later in XX/XX/XXXX i received a letter in the mail saying that they verified the information with the original creditor and that i owed {$490.00}. I immediately gave them a call and was told by the rep that i had an account with XXXX back in XX/XX/XXXX of XX/XX/XXXX-XX/XX/XXXX of XX/XX/XXXX and that i owed them. I explained to her that was impossible because during those years i was under my mother 's plan and when i had XXXX was in XX/XX/XXXX, which i settled and paid my debt in XX/XX/XXXX. Not to mention i have proof on my credit report that i settled my balance with XXXX back in XX/XX/XXXX and the dates that they claim i was with XXXX was never on my credit report. The rep then spoke with supervisor and came back on the phone saying they can settle with me for {$200.00}. I told her that i wasn't paying anything because i didn't owe any money. So then i spoke to the supervisor and he basically repeated the same thing that the rep said and couldn't explain to me why that if i had debt since XX/XX/XXXX then why did i never see it on my credit report. I'm reporting Convergent because i feel that they are trying to scam people out of money that they don't even owe. Once i did my research i saw plenty of reviews like mine where people said that they didn't even owe debt. This is ridiculous and they need to be stopped.
Product: Credit card

I am writing to dispute a false account that appears on my credit report, which is a result of identity theft. The account is listed under [ SYNCB/PPC ] and is reported on my credit file twice as closed due to inactive use. 

Upon reviewing my credit report, I have noticed this account, and I assert that I did not open or authorize this account which I communicated with the creditor and they didnt find my name or social under any account associated with them. I have tried numerous of times to resolve this issue and I suspect fraudulent activity. 

I request a thorough investigation into the origin and accuracy of this account. Please provide the following information : 1. Verification of the debt and documentation proving its legitimacy.

2. Any supporting documents or agreements related to the account.

3. Details of the individual ( s ) responsible for opening this account, if available.

I have taken immediate steps to protect my identity, including contacting the creditor and filing a police report. I demand that you correct this error promptly and remove this fraudulent account from my credit report.

I request a written response within 30 days from the receipt of this letter, confirming the removal of the disputed account and any related negative marks from my credit report.
Product: Student loan

My student loan servicer, Great Lakes, does not allow me the choice to pay off each student loan that was issued to me, which unfairly denies me the ability to pay off student loans that are a higher interest rate. I want to payoff several of my low balance student loans, and also strategically pay down my mid-larger balance student loan based on interest rate, but Great Lakes online does not allow me to choose which student loan to apply my payment towards. Great Lakes does not allow me to select each student loan to pay, or allow me to pay more on select student loan I choose based on interest rate. Even after my obligated monthly payments are made and satisfied for all student loans in a month, Great Lakes still does not allow me to calculate and pay off any of my student loans individually that are a low balance or higher interest rate. Great Lakes has a scheme in place that is perpetually keeping me in debt instead of allowing me the option to pay off each of my student loan debts in manageable and smart ways online. This Great Lakes scheme is exploiting me so they can get maximum interest and is making it extremely difficult to pay off each of my balances that can be manageable to payoff.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed inaccurate names, and addresses. According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. NAMES : 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  are all inaccurate. Also, according to 15 USC 1681s-2, 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.