23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

For the last 6month I have been trying to get 3 checks reissued to me due to remediation. I have spoken to more than 25 people, I have been hanged up on several time, to mail documentation end and go to the branch and fax the document. Still nothing has been resolved.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I attempted to login to TransUnion. I was unable to do so and attempted to reset my password. I waited and chatted with an agent online for approximately an hour in an attempt to reset my password, and the agent could not do it. I waited on hold for more than half an hour in attempt to contact an agent but was unable to do so. The hold music contained a very short and repeating hold song with a piercing flute that was unable to be turned off. Additionally, they would have you check in to see if you were still there every minute or so and asked for 1 to be pressed. These seemed designed to deter from having customers contact their support lines. It appears that their services may be down, but there is no conclusive statement by TransUnion to support this.
Product: Checking or savings account

I received this email from Ally Bank on XX/XX/2023 : We restricted your accounts because we detected suspicious activity on XX/XX/2023. 
You may not be able to log in or transfer money out of your accounts. 
Call our loss prevention line at XXXX for help with your accounts. Were available Monday through Friday from XXXX XXXX  XXXX XXXX  ET and on weekends from XXXX XXXX XXXX XXXX ET. 
-- -- -- -- -- -- -- -- -- -- -- -- -- - I called and a representative asked me questions about my recently opening a new account ( I am recently divorced ) and the " purpose '' of the account. I answered all their questions. The representative told me my account would continue to be locked and that my funds ( $ XXXX ) would be unavailable to me while they perform their investigation. They would not tell me why or how long the investigation would take. I have no access to my money now and I don't know when I will regain access to it. 

On top of denying access to my funds, I was also treated with disrespect. The representative I spoke to at Ally Bank treated my like some sort of criminal. He offered no explanation and no apology either.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are FRAUDULENT items ( XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ) and UNAUTHORIZED/FRAUDULENT inquiries ( XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ) on my credit report. I do not have any idea regarding these fraudulent accounts on my credit report. I am not the one who initiated these inquiries. I am submitting a complaint regarding them and for assistance to REMOVE them from my credit report immediately.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Collection : XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Personal Information : Former : XXXX XXXX XXXX Name XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX  Employers : XXXX XXXX XXXX XXXX Previous Address ( es ) : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Previous XXXX ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX Address XXXX es ) : XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX ( XXXX ) : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX Address XXXX es XXXX : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Previous XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Current Address ( es ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
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 XXXXXXXX ) has violated my rights. 

15 USC 1681 Section 602 A. States I have the rights to privacy.

15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

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

15 USC 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: Payday loan, title loan, or personal loan

I was receiving normal monthly statements/bills. My last paper statement/bill was received in XXXX. Around the end of XXXX I realized that I had not received a statement/bill for a little while. On XX/XX/XXXX, I called Yamaha Financial Services and eventually spoke withe a representative. I told the rep that I had not received a bill and asked why. I was told that they switched to electronic statements. I DID NOT receive notification about this nor did I sign a consent form to receive statements electronically. I told the rep that I never received any written or email communication about this. Turns out, Yamaha Financial Services DOES NOT have my email address on file. You can not send a bill electronically if you do not have an address to send it to. I then told the rep that I want paper statements mailed to me and that I also needed to make a payment. He provided my payment amount {$250.00} for  XXXX but failed to provide late fees that had accrued. I told him that i normally pay {$260.00} so I made my normal payment thinking everything was okay and then I received a past due notice in the mail. It was dated the XXXX and I called the XXXX so I disregarded the notice, but I kept it for my records because it had instructions to be able to access my account online. I normally shred my bills after I pay them so I did not have my account number to gain access to the online account, which is another reason I kept the letter. After I received notification from XXXX that I had a loan reporting past due, I logged into my online Yamaha account to find out that I was past due a late fee that the rep failed to mention that I owed. I called Yamaha Financial on XX/XX/XXXX and again asked about the paper statements, the rep verified again that they do not have my email address on file, and he also didn't ask for it. I told them that I wanted the late fees waived, and that I wanted paper statements. After him giving canned apologies and not being able to help me, I was eventually placed on hold for several minutes and then the call was disconnected. This was a 30 minute ordeal. I would like to know why I was given my normal payment amount and not the total amount including late fees of {$39.00}. Which turned out to be {$79.00}  because I made the payment after the XXXX due date. I have had the loan since 2013 and have never missed a payment. Now I have a past due payment on my credit report which I have to waste time to dispute and I am still not receiving paper statements after requesting them. I also really want to know why and how they decided to provide electronic statements without my permission and without having my email address.
Product: Credit reporting or other personal consumer reports

There is so many errors on my credit file starting with the soft and hard pulls. Almost all of these companies listed are there multiple times for the same day, over and over again. I did not request any the pulls listed on my current report. 

The only thing that should be on my credit file is my student loans and past paid accounts from prior to XXXX. I have been homeless since then and none of the accounts showing where mine before that. I have disputed these and absolutly nothing changes. It feels like they just wait a few days and say " NOPE! LOOKS GOOD HERE! '' without doing anything!
Product: Mortgage

Shellpoint/NewRez is engaging in deceptive practices around forbearance. 

Shellpoint/NewRez is my mortgage servicer. I inquired about a forbearance program on XX/XX/XXXX however I did not sign up for it, e-sign anything, or send in any paperwork or fill out forms. I read the paperwork and decided it was not for me. 

Shellpoint/NewRez called XX/XX/XXXX, noting that I didn't complete my application and asked if I was still interested in forbearance. I answered " no '' in clear and uncertain terms. The representative thanked me and hung up. 

They signed me up for forbearance anyway. I found out because I checked my payment on XX/XX/XXXX and my account had been flagged and my ( pending ) automatic payment canceled. I was unable to contact them until the XXXX after waiting hours on the phone, and multiple hang ups on their part. 

The customer service rep ( XXXX XXXX XXXX ) said that he removed the forbearance ( he apologized for the mistake ) and my automatic payment would be reinstated. 

When I checked on XXXX ( the date my payment was due ) the automatic payment was not reinstated. I was unable to contact NewRez ( phones busy ) on XXXX and most of XXXX. I finally got ahold of a rep ( XXXX XXXX XXXX ) who claimed the forbearance was removed but would not help with the automatic payment. I made the payment through ACH and was not late. 

I am still receiving correspondence from Shellpoint/NewRez saying that I am in their forbearance program. The latest notice arrived today, XX/XX/2020.
Product: Debt collection

On Tuesday, XXXX XXXX, 2015 a bill collector at the number XXXX called me XXXX times between the hours of XXXX and XXXX and would only identify himself as XXXX XXXX or XXXX XXXX. The voice mails stated they have a complaint in their office corresponding to my name, address, and SSN and I have to call them back within XXXX hours to address this complaint or else they will send a process server. When I called back, the agent did not immediately disclose that it was an effort to collect a debt, he was rude when I asked him to get to the point and tell me what they were calling me in reference to. I hung up on him. Then he called back and left my full SSN and DOB on my voicemail and said I have to call him back immediately or I will " be scheduled to appear, '' and failure to do so will result in " further consequences. '' He called again and I when I asked him to stop calling me he talked over me and said that he can send the process server to my job and I need to take care of my business and grow up, before hanging up on me.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S. Code 1681e { b ] Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i [ 5 ] Treatment of inaccurate or unverifiable information [ A ] In general if, after any reinvestigation under paragraph [ 1 ] of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- [ i ] promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and [ ii ] promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Capital One credit card has accepted my overpayments but could not do a reversal of the overage amount. Why, if a mistake? I sent them my handwritten mails something was wrong. They did nothing for 2 months now. I am still waiting for a correction and then they overbilled their segments sections, their calculators are torn up in billing or something. I understand they do no reversal paymrnts back to my debit card but did not credit my payment accurate from the minimum amount owed. What will happen more or did they steal from me in the months XXXX, XXXX, and XXXX currently if no special transactions or corrections of payments around each of its due date, which months segments were wrong. You have my permissions and consents to view all my billing statements with Capital one credit card, I shall await your remedying. I want $ XXXX- $ XXXXcash monetary settlement, to myself, owner of the credit card account for no right explanation given to the consumer to remedy. I want no retaliations. I should have been given a breach notice to me, once again someines wronged me by doing nothing. Look under items with Restrictive Words, Conditions, or Instructions to find their policy answers they did not apply they rejected my payments, proofs in their own words. Their address : Capital One XXXX XXXX XXXXXXXX XXXX, NC XXXX. I want your full legal services and settlements for myself, XXXX XXXX. I received nothing from no one as a settlement check, yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account showing on credit report doesn't belong to me.
Product: Credit reporting or other personal consumer reports

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

I am reporting identity theft by my ex-boyfriend, XXXX XXXX. He stole my personal information and opened a car loan in my name without my consent. This has resulted in missed payments being reported to credit agencies, negatively affecting my credit score. 

I have filed a police report and contacted the lender to dispute the loan, but the fraudulent account remains on my credit report. I request your assistance in having this debt removed, as it is not mine and was incurred without my knowledge or consent. Thank you for your help.
Product: Money transfer, virtual currency, or money service

I am filing a compliant against Cash App ( Block , Inc. ) Due to inadequate customer service and unfair practices, which violate the Consumer 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 error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint to delete the following fraudulent items in my file that are reporting on XXXX, XXXX and TransUnion Credit Bureaus. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged and also the inaccurate personal information showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Mortgage

Homeowner/Borrower requested loss mitigation assistance in XX/XX/XXXX and received a TPP. While homeowner was making the TPP payments, servicer moved forward with non-judicial foreclosure anyways. Homeowner was not aware that the property had been sold in foreclosure until someone knocked on his door and advised him that he and his family needed to move out since they no longer owned the property. At that point homeowner complained to servicer. In XX/XX/XXXX, servicer acknowledged the unlawful foreclosure by instituting a court action to rescind the Trustee 's Deed Upon Sale. Homeowner was not served with the court documents. In about XX/XX/XXXX the court action concluded, resulting in a court order rescinding the foreclosure sale. In the interim, however, the property was no longer insured and sustained water damage for which homeowner has not received any compensation/repair to date. Moreover, servicer continues to pursue homeowner for all charges accrued during the period of time that it illegally sold the property out from under homeowner. A new Notice of Default and Election to Sell was just filed in about XX/XX/XXXX. As of today, there is no sale date. Homeowner has submitted an RMA package but was denied.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light as a recent XXXX lawsuit high lighting significant issues with the platform. Despite using Zelle, numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claim adequately. They informed me that recovering loss fund was impossible, and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglect to protect consumers, but has also allows repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

Acima violated laws under sections 1036 ( a ) and 1054 of the Consumer Financial Protection Act of 2010 ( CFPA ), 12 U.S.C. 5536 ( a ) and 5564 ; section 108 ( a ) of TILA, 15 U.S.C. 1607 ( a ), and its implementing Regulation Z, 12 C.F.R. part 1026 ; section 918 ( a ) of the Electronic Fund Transfer Act ( EFTA ), 15 U.S.C. 16930 ( a ) ( 5 ), and its implementing Regulation E, 12 C.F.R. part 1005 ; and section 621 ( b ) ( 1 ) ( H ) of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C.

1681s ( b ) ( 1 ) ( H ), and its implementing Regulation V, 12 C.F.R. part 1022, to stop unlawful conduct, to rescind or reform the terms of Acima 's agreements with consumers, to obtain redress for affected consumers and an appropriate penalty, and to obtain all other appropriate relief. Shortly after signing agreement with Acima, I tried returning the leased item that I received broken and was told request was unable to process. Acima misled me and many consumers to believe they would be able to return items. They also continued to charge me an extreme amount of falsified penalties that eventually was submitted to my credit report and affected my credit. Account is now showing on my credit file as XXXX  balance of {$2500.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX, my FFEL student loan for the amount of {$55000.00} was marked as forgiven by XXXX and the US Department of Education due to the fact I am a 100 % XXXX veteran. 
XXXX the loan holder was contacted about this and in XX/XX/XXXX the loan was no longer on my credit and my account was shown as closed. 
In XXXX of XXXX I noticed I had a delinquent student loan for the amount of {$24000.00} showing on my credit report. When I contacted XXXX they told me that my loan that was forgiven was a consolidated loan with my Ex-wife of 11 years, so the {$24000.00} had to be paid by me since she was not paying. I received no information on this until it was delinquent and negatively affecting my credit. My credit score dropped from XXXX to XXXX because of this action. I paid all fees to bring the loan current and I have been paying this loan since then. 
In XXXX of XXXX I noticed on my credit report that XXXX was now reporting the {$24000.00} student loan of my wife 's and they had added back the original student loan, but increased the amount to {$66000.00}, which is an increase of {$10000.00}. So now showing on my credit report is a loan for {$66000.00} and a loan for {$24000.00}. 
I would like to be clear on this math, my original student loan amount that was forgiven was {$55000.00}, now my student loan debt showing on my credit report is {$90000.00}!!!! How can this be??? 
I have contacted all credit bureaus and disputed this reporting, all say the reporting is correct. I have contacted XXXX by telephone and their dispute process. They will remove the error on one reporting cycle, then in a couple of weeks I receive a letter saying the reporting can't be changed and the next credit cycle it is back on my credit and my score drops drastically. I have called every person at XXXX that will talk to me but no one will fix this continuing error. 
I am a XXXX veteran on a fixed income, needless to say this is very negatively affecting my quality of life and living situation. I have called and sent letters to every resource I can and I can't get any help on this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

UNKNOWN INQUIRE REPORTING ALL ALL MY CREDIT BUREAU SUCH XXXX, AND XXXX DATE XX/XX/2017 NAME OF COMPANY, CREDIT PLUS
Product: Credit reporting or other personal consumer reports

Before my identity was stolen because of the data breach because of XXXX, the credit reporting agency. My credit was XXXX. When my identity was stolen it went all the way down to XXXX. After working tirelessly on this by myself although I was supposed to be getting help from the identity restoration specialist I have a question. When does this end when am I going to be protected by the laws that govern the state of California? When I turn in police reports when I turn in all of the stuff I have been told to why isn't that good enough? Because of this nightmare I have been denied my social security XXXX claim and this is your fault because I could not do my taxes because someone else was turning in taxes in my name and now social Security is treating me poorly. And do you think that you can get anybody on the phone at your company nope. The most important grievance that I have and that I need to have rectified is, how come I get to work up to a measly XXXX points when I was at XXXX prior to the theft why can't I have my credit score back you are the ones who got it stolen and y whole life had been ruined because of you. I did my part to show you what happened and I made my charges against the person who stole it how come you're not helping me now ever you've never helped me I want my credit score back it's your fault that it's like this I think that you need to give it back to me and wipe all the stuff off the credit report that I have because I have proven that it is not mine.