23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XXXX mortgage payment was to be withdrawn via autopayment but was instead reversed despite more than sufficient funds available in bank account. Contact with bank revealed no activity present on the account. A {$30.00} XXXX  fee for supposed nsf reversal was charged. On XXXX I received a confirmation that payment was posted by the lender. After multiple chats and phone calls a lender-rep phoned XXXX at which time the rep was sent the bank 's record, and on XX/XX/XXXX she refunded the fee and successfully withdrew the payment. 
However, the same issue occurred on XXXX, no withdrawl, payment reversal, no evidence of bank activity. After revieving no help from their customer service, on XXXX I cancelled the autopay option and made a manual payment via their website. My bank account showed that payment as pending, but soon after payment request was withdrawn. Again there were funds available to process the loan. A phone call eventally led them to create a report to their review team. I was to recieve a call with their solution within 3 days. I have recieved nothing as of today, XX/XX/XXXX, the final day of grace for a late payment. They have still bot attempted to withdraw the XXXX payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts appearing on my credit report are fraudulent : COMENITYCB/XXXX XX/XX/XXXX {$0.00}, COMENITYCBXXXX  XX/XX/XXXX {$890.00}, XXXX XXXX XX/XX/XXXX {$0.00}, COMENITY CAPITAL BANK {$670.00}, XXXX XXXX I reached out to the XXXX XXXX, and XXXX  credit bureaus several times. The last correspondence was XX/XX/XXXX. I have received no valid response.
Product: Credit reporting or other personal consumer reports

The accout with JPMCB that is reporting on my credit report negativitly is not my debt in any way. The account is associated with a aka name on my credit report which has been disputed.This is a violation of accurate credit reporting per US Code 1692 and my righrs since the account isn'teven mine. I urge your agency to re-investigate this account and ensure that correct, fair, and complete reporting is given as per FDCPA regulations and remove this account from all three credit reporting agencies immediately cease and desist all collections and I trust that you will take this matter seriously and handle it in a timely and professional matter. I look forward to receiving a satisfactory resolution to all these matters.
Product: Mortgage

I have contacted Shellpoint on numerous occasions to enter into a forbearance plan for the outstanding amount to bring the loan current with some type of trial payment. They have refused to respond, provided zero assistance, and blocked me from using their website for mortgage modification. I have tried on numerous browsers/different networks to submit for loan assistance and continue being blocked out of the system when hitting submit.

Currently have me listed as owing {$XXXX}, accelerating the loan to {$XXXX}. The mortgage less than XXXX  years ago was under {$XXXX}. 

They are effectively blocking me from seeking assistance they are legally obligated to provide to consumers. 


Loan Information : XXXX Address : XXXX XXXX XXXX, XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This Capital Oneaccounts have been settled through my program with XXXX XXXX XXXX. the accounts show negative remarks. However The accounts is SETTLED AND being paid off every month.
Product: Debt collection

I made a payment directly to the company XXXX XXXX XXXX XXXX in XX/XX/2019. The collection agency is SCA COLL and theyve resubmitted to the credit bureaus as if the payment was not satisfied. I contacted the original debtor and they said they would contact SCA. Im pretty sure its an error not sure why would they resubmit my info.
Product: Credit card

XX/XX/2024 - Received a call from Citicard fraud warning regarding change in contact information. I did not make the change. Card was cancelled and reissued. 

XX/XX/2024 - Received a call from Citicard fraud warning regarding a change in contact information. I did not make the change. Card was cancelled and reissued. 

XX/XX/2024 - Observed a change in my address, new phone number and new e-mail ( all not mine ) on the Citi Mobile app. Called Citicards and requested that the account be permanently closed. Agent confirmed that the account had been closed. No card issued. 

XX/XX/2024 - Called to confirm closure. Agent confirmed closure. 

XX/XX/2024 - Called to confirm closure. Agent confirmed closure. 

XX/XX/2024 - Observed a change in my address, new phone number and new e-mail ( all not mine ) on the Citi Mobile app. Called Citicards. The agent said that the account was never " permanently closed ''. He processed " permanent closure ''. Agent specifically said that there was no way anyone could reopen the account. Agent sent a text stating that the account had been " CLOSED '' and to " destroy all existing cards ''. 

XX/XX/2024 - Received e-mail from Citicards stating that account had been reopened at my request ( I had not ). Called Citibank Fraud. Agent ( XXXX ) saw that account had been reopened and processed " Security closure '' of account. Confirmed that account was closed. Confirmed that there was no way anyone could reopen the account. 

XX/XX/2024 - Called back and spoke to a different agent who also confirmed that account was closed. 

XX/XX/2024 - Citi Mobile shows that a new card has been issued using an address that is not mine. Citicard agent says the account was not closed. Agent on XX/XX/2024 made an error. There's nothing she can do because the card is being " processed ''. I'm supposed to call back in 4 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, ENHANCED RECOVERY CO L add a derogatory marks on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA ENHANCED RECOVERY CO L has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get these accounts thats showing on my credit that are mine. I have reached out the all I know to try and get this fixed. My coworker told me I need to speak with an attorney and he told me to reach out here. Even as of recently another Bankruptcy came on my credit. At first it only showed on Experian and a couple of days ago credit XXXX told me that a bankruptcy came on XXXX  now in addition to Experian. It is not on XXXX. The other accounts that are not mine are XXXX, XXXX XXXX XXXX, XXXX, US DEPT OF ED, XXXX. There were also some inquiries that are not mine XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX. I'm doing this on my own.
Product: Student loan

My wife holds a conditional XXXX. She applied for a loan with Sun Trust for part of her educational costs, and I agreed to co-sign the loan. Sun Trust indicated in its eligibility requirements that permanent residents were eligible to apply for a loan. We received initial acceptance of our application and began the process of supplying all required documents. At the end of the process, Sun Trust rejected our application saying that they would not provide a loan to a conditional XXXX holder. This requirement is not stated in their eligibility requirements. If it had been, we would n't have applied to them. As a result, we wasted a good deal of time and effort in fulfilling their documentation requirements, and I may have suffered adverse consequences to my credit report because of their credit inquiry and ultimate rejection of our loan application.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE ATTEMPTED TO CALL SAGESTREAM CREDIT REPORTING COMPANY FOR 2 DAYS, AND IT GOES DIRECTY TO VOICE MAIL WHEN YOU ENTER OPTION 1. I XXXX THE COMPANY AND ITS ON " RIP OFF '' WEBSITE, THEREFORE I AM NOT SENDING REQUIRED INFORMATION TO THE COMPANY AND NEED TO SPEAK WITH SOMEONE ABOUT AN ERROR ON THE REPORT THEY HAVE. I ALSO XXXX  THAT THEY HAVE LESS THAN 25 EMPLOYEES?? HOW COULD THAT BE WHEN THEY PROVIDE REPORTS FOR DIFFERENT COMPANIES ALL OVER THE COUNTRY. THEY HAVE 89 COMPLAINTS SENT TO THE XXXX  IN CALIFORNIA. WHEN YOU CALL THERE IS NO OPTION TO WAIT FOR THE NEXT REPRESENTATIVE. I HAVE A VERY BUSY SCHEDULE AND DONT WANT TO BE CALLED BACK AT THEIR CONVIENCE, I NEED TO CALL THEM AT MY CONVIENCE DURING THEIR BUSINESS HOURS. I WANT THE CFPB TO CALL THE NUMBER OF THE BUSINESS AND THE ATTORNEY GENERAL OF CALIFORNIA AND SEE IF THEY CAN TALK TO A REPRESENTATIVE. IF THE COMPANY CAN NOT STAFF THE PHONES PROPERLY, THEY SHOULD NOT BE LICENSED TO BE A CREDIT REPORTING AGENCY THAT CUSTOMERS NEED TO CONTACT. OR ATLEAST ADD THE OPTION FOR THE CUSTOMER TO WAIT ON NEXT REPRESENTATIVE. IM SURE NUMEROUS CUSTOMER CALL AND WOULD LIKE THE PROBLEM RESOLVED ON FIRST CONTACT.
Product: Credit reporting, credit repair services, or other personal consumer reports

The companies listed below are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given them permission to access my credit profile. I have not initiated any transaction with the companies listed below. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with the companies listed below for review or collection. XXXX XXXX  / XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, OK XXXX. Dispute letters were sent to the companies to dispute the matter, no correspondence yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone opened up a XXXX  XXXXXXXX XXXX XXXX and credit card in my name. This is Identity Theft. The Car Loan account was opened on XX/XX/XXXX, Account number beginning with XXXX. The Credit Card account was opened on XX/XX/XXXX, account number beginning with XXXX. I tried to dispute these fraudulent accounts over 8 months ago but the accounts are still illegally reporting to my account.
Product: Credit reporting or other personal consumer reports

My credit score dropped XXXX points in 3 days with Equifax. I called them for a reason why and the said I needed to call XXXX XXXX as I charged {$93.00} on my account that has a {$8000.00} limit. I called XXXX XXXX and they said they have XXXX issues with my account and thanked me for always paying on time. I called back Equifax and told them what XXXX said and they had no answer, just to wait a month and it should rebound. {$93.00} dollars drops a credit report XXXX points with no answer as to why. I take my credit score very seriously and am proud of mine. This is way too much power to give an agency that basically can ruin you without justification
Product: Credit card or prepaid card

I had some cash and I went to Bank of America XXXX XXXX, CA ATM machine. I thought using my unemployment card I could deposit some cash into the card. I put the card into the ATM and it wasnt successful and froze my unemployment card. The card is an Unemployment card associated with the state of Arizona. I called the number on the back of the card and they only did a form. Ive called my unemployment office and they say they cant do anything about it, its on Bank of Americas term. I have called and talked with Bank of America Fraud department and they couldnt do anything about it. Which is why I am complaining. I believe they can do something about it to unfreeze the card. Its the card I depend on and it has {$820.00}. I need that money cause I have bills to pay and food to feed my family with. On XX/XX/XXXX, I called the number on the back of my card and talked with an agent and he wasnt helping with me so I asked for a supervisor. He transferred me and I waited for about 20 minutes. Soon it starting ringing and said, Thank you for contacting Child Protective Services. The guy hung up on me! Like I said I depend on this money. Bank of America is taking my money away from me!
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized.. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX-Date of inquiry XX/XX/2020 XXXX/XXXX-Date of inquiry XX/XX/2020 XXXX-Date of inquiry XX/XX/2020 XXXX/XXXX-Date of inquiry XX/XX/2020 XXXX-Date of inquiry XX/XX/2020 XXXX/XXXX-Date of inquiry XX/XX/2020 XXXX-Date of inquiry XX/XX/2020
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected from erroneous reporting in my file are listed on my credit report XXXX XXXX Balance Owed : {$6400.00} XXXX XXXX Balance Owed : {$9100.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$8400.00} XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX Balance Owed XXXX {$9100.00} XXXXXXXX XXXX Original Creditor : XXXX XXXX XXXX A XXXX Balance XXXX : {$2900.00} XXXX Original Creditor XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$2400.00} XXXX XX/XX/2022.
Product: Debt collection

Debt collector is trying to collect {$4800.00} in fees for an apartment I had rented. The apartment ended up being roach infested in covered in XXXX. I gave management several chances to correct the issues and gave them chances to let me out of my lease and refund my money. They insisted all they would do was take 60 days of rent paid and no fees. So I paid 2 months rent and broke the lease. After they went back on what they said and charged {$4800.00} in fees. Now the credit collector has attached this to mine and my XXXX XXXX XXXX daughters credit reports, ruining our credit. I legally broke the lease due to health hazards and even paid what the property was asking, even though legally I didn't have to. I should not be lied to and charged fees, I've already lost thousands because of the property.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request a security freeze be on my Consumer Disclosure report. I choice to opt out of your disclosing future information until further notice including the XXXX XXXX report and other furnished Lexis Nexis regrading all personal information of mine. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act youre required to comply.
Product: Credit card

Had a   XXXX   XXXX   credit card. Lost job and it went to collections. I have been getting contacted by  CACH LLC on acc ount  XXXX . I am not familiar who they are. Within my rights, I asked them to provide validation of the debt, proof of how the balance went from what the balance was at   XXXX   XXXX   when the account was open to how the balance got to where it is now. I also asked to provide proof that they are authorized to work on my account on behalf of   XXXX   XXXX  . They refused to provide this. I contacted  XXXX  and they advised that the new creditor does not have to provide this and has closed the dispute several times.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX these accounts have violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Money transfer, virtual currency, or money service

On XX/XX/22 I was contacted about missing a federal court appearance in a state I use to live in ( Hawaii ). I was told that I could not get off the phone do to an order to not break contact because I had not responded to letters which I never received. I was told I needed to post a bail hold and to make an appointment to see the district judge that day. I was told I had large fines and needed to make payments or else be submitted as no compliant and that I could be arrested. The payments were in the amount of XXXX, XXXX, and XXXX. I was told I was speaking with gov officials given badge numbers and names and told I needed to take care of this immediately or else be subject to arrest.
Product: Credit reporting, credit repair services, or other personal consumer reports

On these dates below the following inquiries were unauthorized : ( XX/XX/XXXX ) XXXX XXXX, ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX ) XXXX XXXX XXXX  XXXX XXXX XXXX
Product: Credit card or prepaid card

I called XX/XX/XXXX to combine my secured line with my unsecured line. I was told intially that it needed to be reviewed after I was willing to close the account. To stop me from closing my account the young lady stated to call back between the following Tuesday-Friday. In hopes of a solution as promised I called today Tuesday XX/XX/XXXX. The account was not noted and I was not met with solution. I was told the option to combine my accounts were removed at this time and no one could further assist me. I was never notified that I even had the option to do so. My account was open XX/XX/XXXX, I never missed a payment. Where in the contract does it say they can make such changes without notifying me or extending me opportunity. I also requested a limit increase in the secured line and I was responded with they dont do increases for secured Lines but today Im being informed that every so often its reviewed and automatically increased. Yet that has not happened for two years. Customer service is horrible. They tried to make me feel like closing the account wasnt an option because it would hurt my age history as if I was incompetent. I asked to be directed to the proper department that handles such issues and they refused to assist. The accounts I was asking to be increased, combined and my deposit refunded end on # XXXX and # XXXX.
Product: Mortgage

I am writing this letter to document my formal complaint against Flagstar Mortgage Company. I am deeply disappointed with Flagstar as a mortgage provider. I have owned a home and dealt with mortgage companies for over 16 years and the four months at Flagstar have been the worst experience Ive ever had. On two occasions my payments have been lost in the Flagstar system. This has led to harassing phone calls to me about missing my payment.

In my most recent payment issue, my XX/XX/XXXX payment was sent through my Bank Bill Pay. The payment was mailed on XX/XX/XXXX. Flagstar began harassing Robo calls to my phone around XX/XX/XXXX. On XX/XX/XXXX my check was processed and deducted from my account balance. Flagstar continued to send automatic Robo calls to my phone. I returned the harassing phone call on XX/XX/2019. I was met with a condescending phone representative who insisted that my bank had withdrawn the assets before sending the check. She did not attempt to research my request. The representative then put me on hold with no warning or explanation. I disconnected the call and called back. My call was immediately disconnected. When I called back for the third time, I spoke to a reasonable representative. She was polite in hearing my issue. However, the missing payment was still my issue to solve. I had in hand check images that showed a time stamp of the check being received on XX/XX/2019. I was instructed to email Flagstar with my check images. I followed the direction.

It further disappointed me that Flagstar did not reply to my email to even acknowledge they had received my request to investigate the location of my mortgage payment. There was no follow up communication or explanation to why my funds were cashed on XX/XX/XXXX but unaccounted for eight days more until I contacted Flagstar.

I have the corresponding images I sent to Flagstar to prove my payment was in their possession. I believe to cut costs they use a lock box, and this led to the mismanagement of my payment transaction. This is not the first incident. I had a similar experience with my first payment in XX/XX/XXXX. It was not lost in the system as my XX/XX/XXXX payment was misplaced.

How can I request to be transferred to a competent mortgage company that does not use short cuts like lock box and then automated Robo calls to harass its customers when their system caused the issue?
Product: Debt collection

On XX/XX/2019 at XXXX, my young daughter received a voicemail from a XXXX XXXX with XXXX XXXX XXXX , & XXXX XXXX XXXX XXXX XXXX telephone number XXXX. The voicemail stated I had listed my young daughter as a " point of contact '' for a GE Capital Bank/JC Penney account ( false claim ). The gentlemen referenced an account number of XXXX. I have never given my child 's number to any such company as a point of contact for me. I received the first letter concerning this in the mail on XX/XX/2019 ( dated for XX/XX/2019 ) demanding Final payment by XX/XX/2019 in the amount of {$2500.00} in order to " avoid suit ''. I have not received any other calls or correspondence from this company. 
Furthermore, I have written a letter to this company and will it mail certified letter disputing any such debt. I do not currently hold a JC Penney account nor have I ever charged this outstanding amount on a credit card with them. I utilized a Consumer Protection lawyer in XXXX TN several years back ( XXXX XXXX ) who assisted me with some 3rd party debt collection unfair practices. This appears to be the same thing again.
Product: Checking or savings account

On XXXX I deposited a check in the amount XXXX into my bank and was told there was no hold on the check woke up on XXXX and the money was deposited and then removed from my account called bank of america as to why the hold and they couldnt give me the reason as to why which by federal regulations they need to let me know and they have not the supervisor would not tell me why the hold is on the check except that it protects me it is an on going issue that is happening on my account they told me the hold will be released on XXXX 12 days to clear a check in the electronic world these days is crazy im tired of going through this with bank of america there are federal guidelines that need to be followed
Product: Credit reporting, credit repair services, or other personal consumer reports

I had my credit pulled recently and I was looking through it and it came back showing I have late payments for the dates : XX/XX/16, XX/XX/16, XX/XX/16 & XX/XX/16. 

I have tried to reach the department various times and I have no luck. 
I am in the process of trying to buy a house and need these removed from my credit report please. I had an account with Kay Jewelers and always paid on time, until there was fraud and identity theft with my bank and they were unable to process payments that I made to you all. I made my payment in full and decided to close the account but am looking to in the future reopen my account once I have bought my house I hope the late payments can be removed from my credit report. 

Thank you