23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Hello, I am a XXXX veteran and my wife and I originally had out home loan through XXXX XXXX. In less than 2 months we were notified out of the blue that NewRez would be taking over our home loan which we did not want because my wife and I never heard of them and they had REALLY bad reviews on XXXX but we did not have a choice. I now see why!! I am a XXXX & XXXX veteran so I receive a discounted rate on property taxes through the state of MN due to me being XXXX. I went though my county assessors when buying the house and they reviewed my XXXX paperwork and changed the amount I should be paying to escrow each month. 

After they reviewed everything they sent all the required documentation over to NewRez to change the monthly property tax amount/escrow I should be paying since its built in. I noticed after almost a year nothing changed so I reached out to my assessors office and informed them nothing has changed and they then tall me they never got a response which has never happened before .... of course my luck! 

They instructed me to try and get a hold of NewRez and inquire on what's going on and why they haven't changed my rate or reimbursed me. This whole process took multiple months, I called multiple times but they have such long wait times through customer service and no callback which made it difficult a even get a hold of someone cause waiting over an hour on the phone is ridiculous. I could go on and on about that whole process in itself. 

But after a year I finally got the monthly rate/escrow changed even though it was an absolute headache but I was happy it got done and changed. I then told them that I have been over paying them by {$400.00} a month for now like 15 months and that needs to be reimbursed to me since I should never have been paying that in the first place. 

I showed all the proof and dates of receipts and they told me they would start a claim for the reimbursement part of it. Well we are now at another over XXXX months since then and XXXX claims later and not one response/call back or email. 

When I call I and actually get a hold of someone the service representative has no idea how the veteran/escrow process works and just state they are going to notate the account and that they can not put me in hold with someone from that dept. I tell them no I need to speak to someone but in the end they just start a claim with the escrow department. 

This has been an absolute nightmare and after talking to my other XXXX vet buddies I am completely alone and they have never had an issue with this before. They are the worst company I have ever dealt with and are so disorganized on so many different levels. I have now filed complaints with XXXX  and other sources and was informed to make a claim on this site. 

I really need a third party to help me out because I am unprepared on how to go about this since it is my first mortgage and this feels extremely illegal. I dont want to go the lawyer route since then I will just pay lawyer fees and loose money in the end. 

Thank you so much for reading this! I am so thankful for your time!
Product: Checking or savings account

XX/XX/2020 Bank of America has a security hold on my account and will not let me access anything. I have called three times today and have spent more than three hours on hold. Each time I have been hung up on. They have wasted my entire day and just disconnect me every time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. In XX/XX/XXXX I applied for a XXXX XXXX checking Account and was denied due to checking account fraud provided to XXXX XXXX from XXXX  XXXX XXXX. I contacted XXXX  and I was told that on XX/XX/XXXX a fraudulent transaction was received from XXXX XXXX XXXX XXXX  and credited to bank account # XXXX. XXXX records showed that the transaction was reported as unauthorized and deducted from the account. I have never used this account nor do I have access to it and I do not know anything about this transaction nor is it related to anything I have done or have been a part of. My account with XXXX is different from this one and I have had that account since XXXX. I filed a police report for this incident.
Product: Credit reporting

Mortgage Loan Number Loan # XXXX Gateway Mortgage Group , LLC, XXXX XXXX XXXX XXXX, XXXX, OK XXXX Gateway mortgage has erroneously reported my credit 30 days late for nine months beginning XXXX, XXXX through XXXX, XXXX ( sold house XXXX, XXXX ). I disputed this directly with Gateway Mortgage numerous times over the past two years, and I also contacted Transunion to dispute this information. Transunion 's response was " Verified, No Change ''. Report attached.
Product: Debt collection

Received email notification on XX/XX/XXXX from XXXX XXXX that there was a change to my credit report. I checked the details and found a collection had been added to my credit report. The company is XXXX XXXX XXXX, out of XXXX. XXXX, MN. I called several times, the hours are limited to contact someone at their business. I wrote a letter and requested details because all the details I had on my credit report was " XXXX XXXX XXXX ''. I called XXXX received XXXX help ( see attachments, letter from XXXX ). I visited my local XXXX to try and investigate this issue, no records. They said they sent my debt to XXXX XXXX. I wrote a letter to the Attorney General of Minnesota with the details ( XXXX is a MN business ). I have attached all letters with the details. I called XXXX XXXX early this morning ( XX/XX/XXXX ) and finally got ahold of someone who could explain. I don't even have an account number ( XXXX ) I can refer to so this could be researched. Apparently Attorney General of Minnesota had reached out to XXXX XXXX XXXX to get details and got this moving along. According to the two individuals I spoke with at XXXX XXXX ( XXXX and XXXX ) today ( XX/XX/XXXX )  they are sending a manual request to the three bureaus to remove this from my credit report. That's great but in the meantime qualifying for a home equity loan has been denied because of this. Received no notification, no letter, no phone call, nothing to give me advance notice of this collection, XXXX just attached it to my credit report! My issue is now with XXXX because they either sold this alleged debt to XXXX XXXX or XXXX XXXX purchased " old '' debt from XXXX and attempted to collect their share. This was for {$85.00}!!! I have attached a letter from XXXX which is the most unhelpful piece of correspondence. XXXX needs to investigate this and remove me from their database. This alleged debt is for a debit card and the date was XX/XX/XXXX. I still do not have the details. Any help you can provide would be most helpful. In the meantime I am closing all of my XXXX credit card accounts ( zero balances by the way, have been excellent customer of XXXX ). The debit card was never used and don't understand why it would have a {$85.00} balance from XX/XX/XXXX.
Product: Checking or savings account

After receiving a direct deposit and on or about XX/XX/24 my account showed a {$0.00} balance after a ach withdrawal of {$690.00} was withdrawn from the account either through transfer or withdrawal, sometime after the missing funds was placed back into the account and the bank failed to list the transaction under the transaction history and have no record as to how the withdrawal was initiated. There are other funds possibly missing and the bank has failed to analyze the account for unauthorized activity as this is an ongoing issue.
Product: Checking or savings account

I contacted Fifth Third customer service on Monday and finally was able to reach a representative on Tuesday. I described my dispute situation and she said that she was going to go on hold to file that dispute. On hold, after listening to horrible and glitchy hold sounds, the call ends with no resolution after being on hold XXXX minutes. Ever since I have been trying to reach the company through multiple numbers with XXXX minute wait times until I realize I dont think anyone will answer. Not sure what is happening in the Fifth Third Customer Service section, I just know it isnt much. Honestly considering moving banks, a specially if this issue is never resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX account. Fraudulent.
Product: Credit reporting or other personal consumer reports

This letter is a request of the steps that your company took when investigating the disputed item. Please send me a detailed explanation of how you obtained theses results. Did you receive written notification from the company or was it a verbal confirmation? Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received this specific response. 

I am also requesting the date that the supposed delinquency incurred, which should have been given to you by XXXX XXXX. I know that it typically takes XXXX years for a trade line to be removed, but I would like to know the specific month and year that this trade line will be removed. 
XXXX XXXX XXXX
Product: Credit card or prepaid card

I fell behind on my XXXX account with Comenity Bank at the end of 2017. I called to setup arrangements to bring the account current. They were taking payments every two weeks out of my checking account, still charging me monthly late fees and reporting my account as missing payments. I even made additional payments on top of the ones that they had scheduled, only to see no positive results in lowering the balance, for it was all eaten up by continuing late fees and increased interest rates. So basically I was paying them to charge me fees for the next three months, while adversely effecting my credit score. I was fighting a losing battle, while losing lots of money in the process. This never brought my bill down, or current. It was just their way of penalizing me for falling behind on my payments for a period of time, before allowing me to pick up where I left off ( which is what I initially asked them to allow me to do. So, I went from owing approximately {$800.00} to nearly {$2100.00} to date. They currently have my minimum payment due at {$530.00}. I send them {$50.00} a month which basically cover the monthly {$35.00} late fee and very little of the interest charged on this account. The balance gets higher every month & they are constantly reporting my XXXX account negatively and as unpaid each month. Theyve also gone in and closed other store accounts that I had through Comenity Bank, that were in good standing and paid as agreed, thus causing my credit scores to lower even more. I need to get out of this bottomless pit situation. At this rate, I will never pay them down and I will continue to see my credit scores drop. I need an arrangement that will result in closing out this debt.
Product: Credit reporting or other personal consumer reports

This information does not belong to me. Please assist me in blocking this information from my consumer reports.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to address a matter of utmost importance regarding my credit report. Upon reviewing my credit report, I have identified several unauthorized account that have negatively impacted my creditworthiness. I strongly believe that this account is the result of identity theft and require immediate attention and resolution. I want to clarify that I have not initiated or authorized This account in any way. This account has been fraudulently opened without my consent or knowledge. To address this issue, I have taken the necessary steps to report the suspected identity theft to the relevant authorities, including filing a report with the Federal Trade Commission ( FTC ). I have also attached a copy of the Identity Theft Report filed with the FTC for your reference. The following are the specific account in question : XXXX XXXX XXXX XXXXXXXX and U.S. SMALL BUSINESS XXXX  Balance : {$100000.00}. Please remove these accounts immediately.
Product: Credit card or prepaid card

I purchased 3 items on XXXX, using XXXX XXXX XXXX on XX/XX/2017. Within the return period I came back to the store and wanted to return the items and get a refund. The associate took all three items from me. However only two items were refunded back to my XXXX XXXX XXXX. The third item was not refunded as I found out later checking my account. Moreover the item appeared as " no receipt '' item and thus was supposed to be refunded by XXXX 's gift card. But the associate did not tell me anything and did not give me any gift card. They basically took those money ( {$43.00} ) from me. I tried to resolved that with the store manager and wrote a clam to XXXX 's headquarters office but received no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had late payments on some accounts 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 accounts : XXXX  XXXX XXXX Balance : {$4800.00} XXXX  XXXX XXXX Balance : {$4100.00}
Product: Checking or savings account

On XXXX/XXXX/22 I did a mobile deposit with Truist Bank into my savings account for a check totaling {$4500.00}. The check was deposited into my personal account even though it was made out to a business. Truist ended up rejecting the deposit because it was made out to a business and not me, which is fine. Over a month later, I reached out to the maker of the check to have them stop the payment and reissue the check in my name. They said they are unable to put a stop payment on the check because the bank has the funds on hold - even though they are indicating the funds will not be released, which is fine. However, they are refusing to release any funds to the maker. I need this resolved and no one is willing or able to assist.
Product: Vehicle loan or lease

On XX/XX/year> I went to mainland Investment located at XXXX XXXX XXXX XXXX TX XXXX phone number XXXX I was refused a test drive after asking several times. The sales person kept making excuses on why the vehicle was at the location for a test drive.

The manager by the name of XXXX went over the contract which we both wet signed. 

The very next day, I had to set an appointment to enter the vehicle into the dealership service center. The car started to jerk at stop lights or turn off at the lights. 

After getting the vehicle from the shop, the next morning the car started smoking under the hood. I reached out to the dealership who instructed me to bring the vehicle back. 

I reached out the lender Credit Acceptance XXXX to get assistance. I was advised to request the dealership to exchange the vehicle or go to another shop. The vehicle supposedly had a warranty. 

After a few days at the new repair shop XXXX XXXX also located on XXXX XXXX. XXXX reached out to inform me the engine was faulty and the cost to break down the engine to locate the issue would cost me {$4400.00}. 

I then reached back out to the lender credit acceptance to request the contract. 

After reviewing the contract the dealership submitted. I noticed it was electronically signed, verse the wet sign between XXXX and I, the creditor/seller name was XXXX XXXX XXXX and not XXXX and the finance amounts were different. 

I requested an investigation on the forged documents and the lender declined. They are allowing forged documents because they want money just like the dealership just money hungry at the cost of the consumer. I never used a key pad to electronically sign or did I have knowledge of the difference until I received the email from credit acceptance. The forged document and scammed me out of my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). I found that under section 605b ( a ) TransUnion 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 and it requires the following documents and statement to remove the disputed accounts on my file : ( 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. 

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) Please block/remove these files. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$75000.00}, XXXX XXXX  XXXX. XXXX Date Opened : XX/XX/XXXX Balance : {$24000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$28000.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5100.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to bring to your attention several violations of my rights under the Fair Credit Reporting Act ( FCRA ) by the following entities : 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  In accordance with the FCRA, specifically 15 U.S.C. 1681, I believe my rights have been infringed upon as follows : 1. Right to Privacy ( 15 U.S.C. 1681a ) : I am entitled to privacy regarding my credit information. However, I have reason to believe that the aforementioned entities have mishandled my personal information in violation of this provision. Despite my expectation of privacy, my credit information has been improperly handled or disclosed.

2. Failure to Obtain Written Instructions ( 15 U.S.C. 1681b, Section 604 ( a ) ( 2 ) ) : According to this section, a consumer reporting agency is prohibited from furnishing credit information without my written instructions. It has come to my attention that the aforementioned entities have reported information about my accounts without obtaining such instructions from me, thereby violating this section of the FCRA.

I am deeply concerned about these violations and the potential impact they may have on my financial standing and reputation. I request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action against the aforementioned entities to ensure compliance with the FCRA.

Enclosed with this letter, please find copies of relevant documentation supporting my claim, including credit reports, correspondence with the listed entities, and any other pertinent information.

I appreciate your attention to this matter and look forward to a prompt resolution. Should you require any further information or clarification, please do not hesitate to contact me at the above-listed contact information. 

Additionally, I request that the CFPB publish this complaint or the details of this case, ensuring that my sensitive information is redacted. 

Thank you for your assistance in protecting consumer rights under the FCRA. 

Sincerely, XXXX XXXX