23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/2018 at approximately XXXX MST, I received a call from US Bank Card Member services. Agent calling asked if I was XXXX XXXX..I answered by saying Who is this ... The agent the proceeded to tell me who she was and the amount of the debt owed and asked me for payment. When I asked her why she told me all this without verifying its me she got hostile so I asked for her supervisor but she hung up. I called XXXX XXXX member services back and spoke with a supervisor who said she will follow up with me in 72 hrs. Later I get a call back apologizing for the issue and promised it wont happen again. ( also kind enough to waive the late fees ). Today XX/XX/XXXX at XXXX MST I get a call from US Bank Card membeXXXX services Again agent asks for XXXX XXXX again I answered Who is this? The agent went on about who she is amount of the debt days late and asked for payment ... Like the previous agent I asked her why she released all the information without verifying. Again agent got hostile and hung up before i had a chance to ask for supervisor. I called back to talk with a sup whom didn't sound all to helpful but still gave me the information i needed to get this report done.
Product: Mortgage

In XXXX of 2015, I refinanced my home loan. This summer, I received a notice from the XXXX government, that my property taxes had n't been paid in the prior six months. Nationstar, my loan servicer, collects an escrow for this purpose. I thought they were paid at closing but even so, Nationstar should manage these payments. I contacted Nationstar to inquire as to the status of property tax payments. They said that they conducted an investigation and then made a payment. I asked them to share what they learned during their investigation, specifically I sent them the following : '' The update only seems to note that a payment was made. Please provide the results of your investigation into this matter. For instance, please clarify whether an amount was also paid at closing as noted by the loan underwriter. How much was the late fee and how was it paid? " Nationstar did not respond to these questions. I ask that they offer a full accounting of what happened, who was at fault, and whether they charged me for the late fee. If they did charge me for late fee, why they did so.
Product: Credit card

There is a charge on my Apple Goldman Sachs card, and I have disputed it twice now, they are failing to provide me with the information they have to determine their decision, as I have sent an email from XXXX  stating that it was in error. the amount is {$130.00}.
Product: Credit reporting or other personal consumer reports

On XXXX of XXXX  I received a from the Bankruptcy Court stating it does not communicate with credit reporting agencies on behalf of a party or debtor. With that being the case how could they possibly verify my Bankruptcy as 100 % Accurate? They failed to meet their obligation to do a fair investigation according to 15 USC 1681.

15 USC 1681 Section 603 ( 3 ) ( E ) States : The term investigative consumer report means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times According to 15 USC 1681 Section 602 A which states : I have the right to Privacy According to 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written permission.

According to 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 has reasonable cause to believe the information is inaccurate.

** any implied consent is hereby REVOKED **
Product: Credit reporting, credit repair services, or other personal consumer reports

The account information XXXX XXXX XXXX of {$1200.00} ( XXXX at XXXX XXXX ) on my credit report is completely wrong and needs to be removed. I do not owe any money to this company. Please see attached documents for more details.
Product: Credit reporting or other personal consumer reports

Ive called an disputed this an I keep coming back the same
Product: Mortgage

We submitted a Qualified Written Request to Wells Fargo on the First and HELOC to provide a copy of the promissory note in its current form with all allonges and the name of the true lien holders, and they have twice refused to comply. More then 3 months have passed since the last request and they keep delaying although the law requires them to comply within 10 business days. 
Compel them to comply, or reconvey the note. 
XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

We had fire in the house and we were safe but we are in the process to get the house rebuilt with the insurance company 's fund. The insurance company had issued fund to the mortgage company which is BANK OF AMERICA. Now, Bank of America is delaying in releasing the fund to pay off contractors invoice. I want to seek help with CFPB. 
This is just to initiate the complaint and I can give more information later. 
Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was under the impression i was on a relief program with US Bank ... my business was impacted by the pandemic as well as my mom passing away ( as I told US Bank ) ... now credit report says I am delinquent ... i have been 100 % on time up until past 2 months ... i was qualified for relief loan until they reported negative ... this relief program would have secured my company and any bills my company created
Product: Credit card or prepaid card

capitol one refuses to tell me why my information can not be verified. if i dont know why i can not be verified i can not fix it and reapply for another card. i need to know what they can not verify, that is not a reason to decline my good credit that i have. they still refuse to call me on my phone or by my email.
Product: Checking or savings account

On XX/XX/2022 at XXXX pm. Someone was able to access my account with a fraudulent card and was able to withdraw funds from my account at an atm machine. My card was not lost/stolen. When I relayed this information with my bank Chime Bank XXXX XXXX ) a dispute was filed and dismissed reporting that according to their investigation no error occurred. I explained to Chime bank that I filed a police report with the local authorities ( XXXX XXXX  XXXX. XXXX California ) that a fraudulent transaction was made. Chime Bank proceeded to double down with their position and still refuse to complete a thorough investigation and still say that no error occurred. Meanwhile Im still out {$280.00} from my checking account that is FDIC INSURED. I have also read reviews on XXXX website and realized that this exact issue has occurred on numerous occasions to many other bank customers. If there is anything that can be done. Please Help. Thank you
Product: Mortgage

Wells Fargo has again withdrawn money from our checking account even though their authority to do so was discontinued on XXXX XXXX, 2016. We realized that the company can not be trusted to have the authority to auto debit our bank account after they repeatedly withdrew more money than they were entitled to. Yesterday, XXXX XXXX, Wells Fargo drained our checking account of {$1200.00}. We did not owe them this money and they did not have the authority to take it. Since we have other bills we need to pay, we called Wells Fargo customer service immediately, who verified that Wells Fargo told us they would eliminate auto-debiting our account on XXXX XXXX. We then explained that we need the money to pay our other bills, the customer service rep explained that, although he was very sorry we were put into this position, there was nothing he could do except request that the money be returned, which would be in XXXX 10 business days. In many past incidents with Wells Fargo, we know that they do not get things done in XXXX to 10 business days. Meanwhile, how do we pay our other bills? 
Is this in retaliation to our XXXX former complaints to CFPB about Wells Fargo, which still have not been responded too? When does a bank 's mismanagement of customer 's money become criminal? Wells Fargo is clearly profiting by taking money they are not owed and holding on to it while the customer suffers.
Product: Debt collection

Dear PENN CREDIT CORPORATION, You are in violation of my consumer rights and willfully listed a debt I have never incurred. Furthermore, there was never a notice given to alert me to this supposed debt. I received no letter from your company about the alleged debt. My account with XXXX has never been late nor have I ever left a bill unpaid in the 4 years I received electric service. I moved across the country on XX/XX/2018. At which point my account was closed and completely paid. My attempts to dispute this matter directly with you have been unsuccessful. Shame on you. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Several attempts have been made to remove non-mailable addresses off my credit report with Experian. Last spoke with an representative XX/XX/XXXX. The only address to remain is my current address. The representative again stated that we can not remove due to an account connected to that address. I no longer live at that address, can not receive mail ; also the account referred to is an old account from XXXX but reappeared in XXXX. 

According to 15 USC 1681e 607 ( b ) Accuracy of Report ; and FCRA You have the right to dispute incomplete or inaccurate information. Inaccurate information must be removed asap ; these are non-mailable addresses.
Product: Student loan

Around XX/XX/2017 I started receiving calls from a third party company about loan forgiveness and loan consolidation. At the time I was not informed they were a third party company that works with XXXX   XXXX XXXX. After many calls from them ( to this day I do not know the companies name because they said they were The Department of Education ) I decided to complete an application to find out if I could get loan forgiveness. I was under the impression that I would only be paying the company IF they were able to help me. They billed my credit card and I never heard from them again. So I stopped payment on my credit card and assumed all would go away. I was wrong! In XX/XX/2017 I started receiving my new bills from XXXX XXXX XXXX which prior I never even had heard of this company. So I start trying to get ahold of them. Every time I called them I was transferred to the military line and I have made multiple complaints about that. So they would have me retry the call. Working an XXXX to XXXX Monday - Friday job and them not being open after hours. I would have to call back again and again. Finally after a few months of getting a hold of them I realized they had made bad remarks on my credit report. Which prior to them having my loan I was on a Forbearance so that was another huge shocker. So I called again and again until I could get ahold of someone. Finally a lady heard me out and said I needed to write a letter to their credit department. So I did and I was denied and never called as I asked for. So I called again and was told, too bad for them sending me to the Credit Breuer. So I asked who the third party company was working with them and they denied me the information. In the last 6 years of me being with XXXX I have never had even one bad experience. So I called them for advice XX/XX/17. The lady explained my consolidation was already finalized and they couldn't help. So she gave me this information so I could possibly get help from the real Department of Education and Consumers Affairs would know how Federal Loan Forgiveness is being handled through these third party companies. Its already horrible enough to have debt over your head but to be pushed into bad credit because its handled incorrectly is unfair and un-American.
Product: Credit card

I have a CareCredit card. They charge me 32.99 % interest and also charging me {$1.00} a month because I don't have a computer at home for auto pay and they refuse to send me a return envelope with my statements. I pay by check always have. Have been for years. 
I am almost XXXX XXXX XXXX and don't have the ability for auto pay, I have asked them to please send me a return envelope with my statement, but they refuse. they said I'm going to be charged because I pay by check. This isn't right. 32.99 % interest is bad enough.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2020 -there was a fraudulent inquiry made at XXXX XXXX to get credit & it appeared on my XXXX  credit report. i never made this inquiry & contacted XXXX  XXXX immediately & then XXXX. however, it still appeared on my credit report as an inquiry & lowered my credit score for no apparent reason other than fraud. therefore, i would like this inquiry removed! asap!! 

on XXXX XXXX -another inquiry was made again at XXXX XXXX  & this appeared on my experian credit report. 

both fraudulent inquiries appears as one inquiry on my credit report, regardless, i would like the fraudulent inquiry removed. ASAP!!! 

I DID NOT REQUEST THE INQUIRY & SHOULD NOT SUFFER A LOWER CREDIT SCORE AS A RESULT OF FRAUD! PLEASE REMOVE ASAP!!
Product: Checking or savings account

I am filing a complaint with the CFPB regarding capital ones failure to deposit my direct deposit from my employer who has confirmed the money was sent to them and any other deposits that were due to me. Capital One has cited technical issues which violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds immediately. This situation raises concerns about consumer protection laws, and I request your immediate assistance in investigating this matter to ensure my rights are upheld. 

Thank you
Product: Debt collection

The collection agency representative could not get me on the phone so he/she proceeded to speak with my wife about my debt/account. My wife is not an authorized user on my account or authorized to speak to anyone on my behalf. This has happened twice. They tried to get her to authorize a payment arrangement on the account. She told them they should not be speaking to her and asked that they call me instead. They insisted that the laws allow them to speak to her in my absence. 

The most recent call was XX/XX/2018 and the one prior was about 2-3 weeks ago.
Product: Credit reporting or other personal consumer reports

Hello, I had a loan with XXXX XXXX XXXX that was sold to a company called SST. I've been using autopay and have made at least three installments to them as I did with XXXX XXXX. I noticed today that my old XXXX XXXX loan was still on my line of credit and this SST loan is not there. There's no reflection on my credit report that I've been making payments and now I'm wondering if this company is even allowed to demand money from me? I would like to pay everything off but I feel like are not reputable and do not want to send my money somewhere wrong.
Product: Debt collection

This company has called repeatedly and I have on recording me asking them to stop calling, mail everything and put me on their do not call list. They still call. The last woman I spoke to said " you're going to keep receiving calls '' after I blatantly asked her to stop calling.
Product: Credit reporting, credit repair services, or other personal consumer reports

Name : XXXX XXXX OF XXXX Opened : XXXX XXXX ACCT : XXXX XXXX PLEASE DELETE IMMEDIATELY Name : XXXX XXXX XXXX Opened : XXXX XXXX XXXX XXXX PLEASE DELETE IMMEDIATELY Name : XXXX XXXX XXXX Opened : XXXX XXXX XXXX XXXX PLEASE DELETE IMMEDIATELY I have tried contacting these companies and explaining that these accounts are not mine. They have not responded or given me a call back.
Product: Credit reporting or other personal consumer reports

I came to find out after checking my credit report that there have been fraudulent accounts opened under my name without my authorization! I had no idea that my personal information was being used and I am in shock. 

There are accounts which are UNAUTHORIZED and were not opened by me! 

The following accounts MUST be removed from my credit report as they are fraudulent and incorrect : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian has failed to correct my disputes after multiple disputes made. Experian violates my consumer rights as well as federal law. I sent several dispute through Experian and never received results. This information on my credit is inaccurate yet Experian has yet to correct this.
Product: Mortgage

I had a mortgage with Roundpoint Mortgage and it was paid off in XX/XX/2023. They did not post XXXX tax form online like other mortgage servicer does. 

This morning I gave them two phone calls to request the XXXX form. However I have not received it as of now. 

Email Address : XXXX XXXX
Product: Mortgage

I had a loan with CitiMortgage dating back to XXXX. My family experienced some financial difficulty and had to file chapter XXXX bankruptcy, this dates to XXXX. Part of the agreement with the court was that XXXX would agree to modify the loan. After some trouble they were able to modify the loan and reduce the pricnipal balance by approx. XXXX. The stipulation was that they would agree to the principal reduction as long as I made my payments on time and each year on the anniversary they would take off XXXX of the balance off of my principal. The first yer went fine and they reduced my amount owed XXXX and change. The next year my loan was transfered to a different servicing agent. And then later in XXXX the loan was transfered again. So somewhere the information about this modifcation agreement got lost. I have the original agreement and I 'm sure if was filed with XXXX XXXX based upon the fact that my loan amount, term and rate all changed. My current loan servicer is not be very helpful. I sent an email to their depoartment with no response. My account manger says there is not direct number for the department that would handle this issue. I also wrote a letter to the compnay with a copy of the modication without any response. Now I am getting very frustrated as my principal reduction period is over and I may be looking toi sell the home within ghe next XXXX24 months. This would be a major issue when the pay off comes in XXXX higher than it should.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX ... XXXX ( Original Creditor : XXXX XXXX ) XXXX ... XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX ... that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was paid in full a few months ago. It should not be reflecting bad on my credit reports.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am in total disagreement with your investigation response. The incorrect items listed below still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating.

Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation.

Please provide the names and business addresses of everyone you checked the information with so I may follow up.

The date on which you contacted each information source.

the method of communication used to verify the information.

I also want to know if the furnisher provided you with my SSN, address, or date of birth.

Once you have completed your investigation and made the necessary corrections, kindly provide me an updated credit report.
Product: Debt collection

A company keeps billing me for a medical bill that is 100 % covered by my Medical insurance. They keep billing the wrong insurance, then sending me collection bills. 

I have called and written to them several times telling them to send it back to the hospital with the correct insurance and they keep billing me. 

I give them the correct insurance information and they tell me I won't have to pay and then they bill me again. 

This is becoming a form of harassments.
Product: Debt collection

Ally Financial Inc is failing to provide and disclose the documents required pursuant to the Truth In lending act. 

Ally Financial Inc has failed to validate the debt and cease collections during the dispute.