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

I have tried multiple times, with no success, to get validation of a debt being reported on my XXXX  and TransUnion reports. I have contacted XXXX, TransUnion and XXXX XXXX XXXX for validation, however, the only thing I continue to receive are updates to my disputes that the account has been verified and updated. I have yet to receive documentation, as requested from either party. I 'vebeen trying for two months now with no success. I 've sent US Certified Mail to all three parties on  multiple occasions. In addition to me trying to get these two accounts being reported by XXXX XXXX XXXX deleted from my credit report, there has been a third account added to my report, with an open date of XX/XX/XXXX that was not on my report prior to XX/XX/XXXX. I am not sure why this account was added to my report. The account numbers are # XXXX in the amount of {$1900.00}, # XXXX in the amount of {$500.00} and the third account # XXXX in the amount of {$2400.00}, which is the total amount of the two previous accounts added together. XXXX XXXX XXXX added a third account to my credit report combining the two totals from the previous accounts and now, it is showing that I have three outstanding accounts with this company. Not only has XX/XX/XXXX, TransUnion and XXXX XXXX XXXX failed to provide me with written documentation as to the validity of this debt, they have also not provided me with documentation as to how they went about verifying the debt. I do not believe that the debt can be validated and am asking that all three negative entries be deleted from my credit reports immediately. Finally, I checked the North Carolina Department of Insurance website to see if XXXX XXXX XXXX had the permits to collect on this debt and they do not.
Product: Mortgage

In regards to newrez/ShellPoint Mortgage -We applied for PMI cancelation XX/XX/XXXX. Our monthly PMI is {$210.00} which seems astronomical. We submitted a list of improvements and paid {$190.00} for an appraisal. 
XXXXWe finally received written confirmation from the company, NewRez, that PMI would be cancelled XX/XX/XXXX. 
-I reached out in XXXX and was told PMI would be removed and our mortgage payment adjusted XX/XX/XXXX. This did not occur. 
-I reached back out XX/XX/XXXX and was told the payment would be adjusted for XXXX and I should check back XX/XX/XXXX to confirm. 
-I reached out XX/XX/XXXX and was told the PMI removal request is still under process. I was told, " As checked the PMI task cancelled as your loan is less than 2 years old. you must submit a list of improvements. These are not our guidelines, these are XXXX XXXX. Loans that are less than 2 years old must have had substantial improvements to the property. Meaning updated bathroom, kitchen etc. '' -As previously noted I had already done this and was approved for PMI cancellation.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION AND XXXX XXXX TO FOLLOW SUIT AND DELETE UNAUTHORIZED HARD INQUIRIES FROM MY CREDIT REPORT.. I 'M FED UP WITH THE RED TAPE AND EXCUSES, XXXX DELETED WITH NO ISSUE, AND I SENT CERTIFIED LETTERS TO THE CREDIT AGENCIES WITH NO RELIEF
Product: Credit card or prepaid card

I have one Wells Fargo credit card account and had four different card statements all from the same account with a closing statement dated XX/XX/2020 On XX/XX/2020, not one of those closed cards had a balance of over {$100.00} The new card had been generated XX/XX/20 and has been turned off since XX/XX/20 and remained off ever since. There have been numerous mistakes and payment reversals and misapplied payments
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX credit monitoring emailed me on XX/XX/XXXX XXXX XXXX XXXX  inquirers my credit report. I did not ask this company to check my credit report. Did not ask for credit card or loan. XXXX XXXX  as put a free on my credit report as of XX/XX/2023 at appo. XXXXXXXX XXXX XXXX
Product: Debt collection

I have sent Portfolio Recovery Associates, LLC a letter on XX/XX/2018 asking them to VALIDATE this debt they claim I owe them or XXXX XXXX. PRA, LLC only keeps sending me billing statements which is not sufficient VALIDATION that I owe them anything and they know that. These billing statements themselves could be fraudulent. If they are a collection company that works with XXXX XXXX or BUYS DEBT from XXXX XXXX  then they should have the proper documentation from XXXX XXXX with my signature agreeing to pay XXXX XXXX  and VALIDATING this is in fact my account and that I agreed to pay them this amount. There is also a letter XXXX, XXXX sent me but it says its from XXXX XXXX  saying that PRA, LLC owns the account and that it is not an attempt of XXXX XXXX  trying to collect a debt. I am going to need VALIDATION THAT I OWE PRA, LLC {$260.00} if they can not produce these documents I demand them to remove it immediately.
Product: Credit reporting or other personal consumer reports

I am writing to formally report an instance of identity theft that has affected me from the XXXX data breach. Unfortunately, I discovered that my personal information has been compromised and used without my authorization. This unauthorized activity has caused significant distress and financial harm, and I am seeking assistance in resolving this issue.
Product: Mortgage

Mortgage transferred from XXXX XXXX to Select Portfolio servicing, XXXX ( SPS ) on XX/XX/XXXX. I received a letter stating SPS needs to update information. 
XX/XX/XXXX - SPS sent An incorrect Escrow analysis to me. 
XX/XX/XXXX - Sent request to SPS to include hazard insurance in escrow. 
XX/XX/XXXX - Acknowledge letter sent to me from SPS. 
XX/XX/XXXX - Escalation Letter sent to me from SPS regarding the escrow account inaccuracies, issue would be resolved in 30 days. 
XX/XX/XXXX - Second acknowledgement letter sent to me from SPS for escrow account? 
XX/XX/XXXX - Extension letter from SPS sent to me, stating they are extending the request for a corrected escrow out 30 days. 
XX/XX/XXXX - Letter of apology for not including the hazard insurance on the escrow. No corrected escrow statement has been provided. 
XX/XX/XXXX - No escrow statement to this date of writing. 

I have made numerous phone calls, been transferred back and forth, to no avail.
Product: Credit reporting

I placed a credit freeze on my credit bureau. When I did it, they should have given me a pin number to unfreeze the account when needed. They did not do so. I have attempted to obtain the number from Experian, but they have failed to give it to me. I have included a screen print for your records showing that no pin number was given.
Product: Debt collection

Harass excessive phone calls Debt incorrect amounts No proof or signature contract
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/18 I sent a dispute to the XXXX at XXXX  XXXX XXXX Tx XXXX and Transunion at XXXX. XXXX XXXX. XXXX, PA XXXX. They received them XX/XX/18 and XX/XX/18 respectively via certified mail. I sent the letter in regards to the inaccurate reporting on my consumer report. Today 's date is XX/XX/18 and it has been over 60 days since they have received my dispute about the collection accounts on my report and according to FCRA they only have 30 days to respond to disputes and both have yet to do so. This is against the law to report inaccurate accounts on my credit report and not respond to my dispute in a timely manner. The account is XXXX XXXX XXXX   in the amount of {$4400.00} needs to be deleted immediately for not following FCRA rules and regulations in a timely manner. This debt has never been verified, I have not received in the mail and XXXX and TRANSUNION aren't responding to my correspondence and this has already jeopardized me getting on my home loan and now is not allowing me to obtain my XXXX and continue my education.
Product: Money transfer, virtual currency, or money service

I have had repeat problems with KeyBank related to wire transfers, specifically regarding the XXXX XXXX XXXX. Going back to XX/XX/XXXX, I was purchasing a vehicle out of state. I spoke with the branch manager XXXX and asked her how I would go about initiating a wire transfer for down payment. XXXX told me that there are absolutely no wire transfers within the branch and that they are almost always a scam. So, instead I had to do a bank certified check which was a huge pain. I also do XXXX investments which requires a domestic wire transfer, so on multiple occasions I had to send personal or certified checks because I was under the impression that KeyBank did not offer any wire services. Fast forward to XX/XX/XXXX and I am purchasing a 2nd home in Florida. I called KeyBank to see what the process would be for closing and they said I could do a wire transfer over the phone. Two days before my closing, I called to initiate the transfer and they told me I had to do a transfer in the branch only. I called the XXXX XXXX KeyBank branch and they once again told me they do not offer wire transfers period. I asked him to look into it and he said he would to " appease me. '' His name is XXXX at XXXX XXXX KeyBank. He ended up being 100 % wrong. This entire time, they could have done wire transfers for me in the branch. On top of that, my mom had to wire {$25000.00} for me as a gift towards the home. When she went into the branch, XXXX told her it was again a scam and that wire transfers were dangerous. My mom called me crying from the parking lot not knowing what to do. In order to transfer the money for my closing, I ended up having to do a round trip flight from XXXX to XXXX to visit a branch to sign a piece of paper. This ended up costing me over {$1000.00}. The wire transfer misinformation is just the beginning when it comes to the issues I've had with this XXXX XXXX KeyBank branch. Just today, my contractor told me he was being questioned by someone in the branch about what I was doing and why I was writing him so many large checks. This branch has repeatedly been nosey. Last year, I had someone fraudulently take around {$3000.00} from my business account with XXXX I told them at the branch it was 100 % not me. They told me that because I receive wire transfers into my business bank account, it was my fault and that if I went through with the report that they would most likely rule against me. I moved forward, filed a police report and the bank ultimately ruled in my favor. The XXXX XXXX branch needs an overhaul, specifically XXXX and XXXX. Please follow up with me.
Product: Student loan

Student loan company is Nelnet. I was placed under forebearance XXXX because I had lost my job and the loan company reported to my credit that I missed XXXX payments and it have severely affected my credit score. I have disputed it several times, but they never respond. My payment history is perfect other than what this loan is saying. I 'm trying to buy a home and they are unlawfully reporting misinformation about me.
Product: Debt collection

In XXXX this company illegally reported me late for a payment I had no idea existed at that point. This company then proceeded to report another fraudulent late payment to my report 3 consecutive months in XXXX. Because of this false reporting, and illegal invasion of my consumer report this company violated my consumer rights and broke federal law. I will be pursuing legal action. This reporting has caused me to miss out on credit being extended to me. I have been denied personal and business loans and it has caused me emotional distress. Interfering with my marriage and caused me extended health problems. I want this entire account REMOVED IMMEDIATELY!
Product: Credit reporting or other personal consumer reports

I have never been late in making my payments. I previously contacted the company, but they did not respond to my request. I am now requesting that the late payment reported for XX/XX/XXXX be removed, as it did not occur. Thank you for your assistance in these matters. XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX BALANCE {$11000.00}
Product: Credit reporting or other personal consumer reports

On or about XX/XX/year>, I sent Transunion and XXXX certified disputes that I attached to this complaint. Both agencies failed to thoroughly investigate the errors on my account : XXXX XXXX {$710.00} and XXXX XXXX {$7900.00}. So, on or about XX/XX/year>, I sent both agencies certified letters requesting a copy of their procedures used to investigate my disputes on XX/XX/year>, including the name, title, and contact information of the person at the creditor with whom you did the investigation. Both companies ignored my requests and did not send me a copy of their investigation procedures within 30 days. They left the two errors on my credit reports which has effected me financially and emotionally.
Product: Credit reporting or other personal consumer reports

I've tried numerous times to including hiring a company to remove and/or update information on my credit reports with XXXX, Equifax, and XXXX with no results, no reasons why no results and not answers to results after more than 30 days. Its been time consuming and costly. I want these items removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Discover card sent me a emails saying they were monitoring my credit, oh I thought that was great no the case it was a bait and switch, I went to discover card web site discover card check to see if Im prequalified for a secured credit card, and I was approved, I quickly exited from discover card website. Then received letter in the mail demanding the I send my federal taxes records to discover card and if I didnt discover card would contact the internal Revenue Service XXXX discover card sent me a credit card in the mail which I dispose of a new trashcan, I never wanted or requested a card from discover card.called 3 times discover card said if you dont send your federal taxes records in they would contact the IRS and place on my credit report which discover card did I want it removed from my credit report.
Product: Credit card or prepaid card

I was recently incarcerated from XX/XX/2021 to XX/XX/2021 and upon release I found out that my US Direct Express Card that I had previously lost was used fraudently during the time of my incarceration, immeadiately after release I contacted US Direct Express and notified them. I filed a complaint with a representative and had a form sent to me, it took several attempts because I could not access my account in which I had to do two verification. However on XX/XX/2021 I was able to submit the Dispute Form, my discharge Paperwork proving that I was discharged from the facility and it was successfully faxed to the dispute team on XX/XX/2021 A set of transactions were accepted and a set were declined. The set that were declined exceeded 120 days of being reported. However I was incarcerated and unable to report these. I am very sure there are protections for individuals who are incarcercerated and vicitims of fraud while in jail. I called US direct express early XX/XX/XXXX in the AM. The first representative transffered me to a supervisor, and after waiting 30 minutes I hung up, the wait the second time I called back was 20 mins. The third time I called back I was immeadiately transferred. The supervisor XXXX almost did not want to deal with this issue she said the claim once closed would not be reopened at all. However based on the dates of the transactions it is clear that the transactions were denied based on the 120 reporting dates of the terms and conditions with US Direct Express. Are there any protections for individuals who are incarcerated? Thank you
Product: Mortgage

I have a home loan with Wells Fargo which is currently in the arrears. I have owned my home for 42 years and have been trying to work with Wells Fargo agents on negotiating a reasonable payment plan, restructure, either a restructure or loan modification. However I can not seem to get through the red tape. No real help has been offered nor have I been accurately reviewed for any other options that would lower my monthly payments. I have done everything I can think of to resolve matters with Wells Fargo, again to be ignored. They never designated a single point of contact. With Wells Fargo receiving XXXX dollars in incentive relief for assisting struggling home owner like myself for a loan modification from the Department of Treasury, as part of programs such as Making Homes Affordable. I am now facing foreclosure and in desperate need of assistance as my husband and I are in our eighties and have nowhere to live. XX/XX/XXXX I refinanced my home by signing a purchase money loan. I tendered my payments on time as agreed. However my husband had a XXXX on XX/XX/XXXX continuing through XX/XX/XXXX. Due to his length in XXXX we begin struggling to tender our mortgage payments. I did the best we could to keep up with our mortgage payment going so far to deplete our savings reserve we eventually defaulted with Wells Fargo. XX/XX/XXXX I contacted Wells Fargo advising of our struggles to tender my mortgage payments on time. Wells Fargo agents offered me the opportunity to apply for a loan modification ; I returned the required loan modification application, along with all requested documents. After receiving what seemed like a paper-chase along with all the run-around after all that, a decision rendered was a denial due to low income. I have attempted to work things out with Wells Fargo, but all of my efforts have yielded negative results. Wells Fargo Agents have been unwilling to work with me. No review of my current financial circumstances has been opened or discussed and no home retention options have been offered. Desired resolution : I want Wells Fargo to immediately stop this foreclosure activity and take a long, hard look at my CURRENT financial situation in an effort to assess my ability to pay a lower monthly mortgage payment. I also believe I qualify for other programs and thus would like to be considered for any and all government programs and home-retention options that are available to me. I do not want Wells Fargo to foreclose on me. I disparately want Wells Fargo to give me a second chance to save my family home. Why ca n't Wells Fargo restructure my loan to give me some relief in accordance with government guidelines? PLEASE help me convey to Wells Fargo to stop all foreclosure activity and review my file. I am so scared my husband and I will be homeless at our age. 

XXXX XXXX XXXX
Product: Checking or savings account

I am writing to formally file a complaint regarding multiple over draft fees applied to my account. These fees were assessed despite having sufficient funds available at the time the transaction were authorized. However, due to delayed posting of charges and credits. i was unfairly charged over draft fees. 
The issue appears consistent with recent findings by the CFPB, which identified similar practices by Navy Federal Credit Union, where transactions settled with insufficient balances despite initially having adequate funds. i believe these practices are deceptive and unfair.
Product: Debt collection

I recently pulled my credit reports and noticed 3 XXXX accounts in collections. I have not had a XXXX account in over 10 years. The addresses that are linked to these accounts are addresses I have never resided. These accounts are causing constant denials for credit and are hindering my homebuying process.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$24000.00}, {$11000.00}, {$8600.00}, {$10000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- COLLECTION ACCOUNTS 1. XXXX XXXX A with ACCT # XXXX opened on XX/XX/2020 with a balance of {$24000.00} -This is not my account. 

XXXX. XXXX XXXX A with ACCT # XXXX opened on XX/XX/2020 with a balance of {$11000.00} -This is not my account. 

3. XXXX XXXX  A with ACCT # XXXX opened on XX/XX/2020 with a balance of {$8600.00} -This is not my account. 

4. XXXX XXXX A with ACCT # XXXX opened on XX/XX/2020 with a balance of {$10000.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

I tried to buy a house n notice I had damages on my report shouldnt be any damages on my account destination to my character
Product: Credit reporting or other personal consumer reports

Some one has taken out car loans in my name as well as auto insurance under my information but says the drivers name is someone totally different and has XXXX cars XXXX payed for and XXXX not with my name involved on my equafax credit report when I don't even know the individual also I have never received my covid money that was applied for and never received n e tax money when applied for it it tells me I need to contact someone else. I am also not being able to get on credit karma to check credit scores it denied me saying the information did not match. I am refused by IRS and they won't let me speak with them over the phone saying my information don't match and then they hang up their phones on me. Some one also had a car wreck and has used my name at the jail house saying they were me using my information now I been having trouble with the law in XXXX XXXX for breaking and entering and want me to go to court over these things ... im so confused I need someone's help badly to clear this XXXX up. I don't want to be doing time in jail for things I've never done. I have not been in XXXX XXXX but the information on the male driver who has auto insurance in my name as well as all my information lives in XXXX XXXX  because I looked the name up and this male lives in XXXX XXXX where XXXX resides.in. please help me connect the dots. I don't like what's happening with my money my information nor the foul things this person is doing to ruin my life. I need help please I'm begging u.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX XXXXXXXX