23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

B.o .a is stating that I took my claims back which is a lie. they're telling me one thing you're telling you guys another they're still pretending to be a government officials and there's still a lot about my account, They also stated to Governor office that they have paid me all of my funds which is clearly another lie. I can't believe that you are believe to except l anything and all the lies they are telling you. This bank hasn't told you or anyone else the truth about my account or my claims .They continue to lie lie and lie to everyone including Congress Congress XXXX XXXX . This bank has no honest. Words to state.Who suppose to help the cin citizens of the United States of America with he lies and destruction and deceit of Bank of Americat of Bank of America. They continue to hold on to my claims after 2 and 1/2 years why.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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: Mortgage

I recently completed a VA partial claim loan modification with Caliber Home Loans after exiting COVID forbearance. During this process Caliber adamantly refused to allow me to make payments online, which led to the generation of several of my past complaints. Caliber retained an attorney, XXXX XXXX, after one of my complaints led to a Dept. of Justice facilitated mediation regarding ADA violations I had complained about previously. This mediation ended without either parties being able to come to an agreement. 
XXXX XXXX, Caliber 's attorney advised me to send any paperwork to her office, which I understood to mean payments as well. While my partial claim payment was being processed, I sent those payments to her office, this caused several delays in Caliber receiving those checks. As a term of the forbearance, Caliber did not report my account as delinquent, however now that the loan modification is done, they are now reporting my account as delinquent. 
The last check I sent, dated XX/XX/22, and delivered to XXXX 's office on XX/XX/22, was not processed in a timely manner by Caliber. I also asked XXXX XXXX via email if the check had been processed and never received a reply. Per my records, the check was deposited on XX/XX/22. Caliber reported my account as 30 days past due on XX/XX/22. This error is entirely the fault of Caliber Home Loans, I delivered the check to where I was told to deliver it to, it is outside of my control if it was not applied to my account in a timely manner. As of this writing Caliber states my account is only 11 days past due. I intend to make another payment as soon as I receive confirmation from Caliber and/or their attorney that I can resume making online payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX  XXXX Account Number XXXX XXXX   XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2024 my financial institution Netspend allowed someone to hack my account and withdraw {$1400.00} PLUS make XXXX transactions to XXXX totaling {$3200.00}. That evening when I got off work and realized my account had been wiped out of {$4600.00} I immediately jumped on the phone with them. I was on the phone with them for over 2hours. I filed disputes on those transactions and was told that there was nothing that could be done for 10 business days. As of today, the disputes have been closed and Netspend found in my favor. But it gets even better.. Netspend closed my bank accounts this morning stating at risk activity. By doing so : 1- the money I had in my account is no longer accessible.

2- The money they are refunding me will not be immediately. 3- my direct deposit next week from my employer has been impacted and my employer advised it is too late to stop the deposit into the closed account. Per Netspend I have to wait 10 business days to receive the money stol
en, PLUS the money that was already in my account via a check.

Netspend refuses to send me a copy of the documents of the investigation so that I can take it to the proper authorities. Netspend has advised me that I have to wait 10 business days to receive that to my email that they have on file.

Netspend refused to provide me with any information from those reports so that I could use that information when going to the proper authorities. 

Netspend was negligent with handling my account and permitted suspicious transactions to process, leaving me in this financial burden. Netspend has caused undue stress. 

I have filed a claim with the XXXX, and my claim was approved. I want to make sure Netspend does not allow this to happen to any other customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a collection tied to a fraudulent account on my credit report and it must be removed immediately! The collection is from XXXX XXXX  -- the collection agency is XXXX XXXX and the collection was opened XX/XX/2021. I have attached my Identity Theft Report and my identification. You must remove this or I will be suing all parties.
Product: Mortgage

I refinanced my loan and United Wholesale Mortgage was paid in full on XX/XX/XXXX aka date of closing. I have an excess escrow balance due me of {$3800.00}, 3 weeks have gone by and they still havent mailed my check to me. When I called them they wouldnt tell me when it would be mailed. What can I do?
Product: Debt collection

This Company has Unlawfully obtained my personal information and created an internal account and made me a debtor of said account. I have no relation with National Credit Systems. 18 U.S. Code 1028A- Aggravated identity Theft I did not give National Credit Systems Inc permission to report an acccount on my consumer file. They illegally used my social security number and other personal information against my will. 15 U.S. Code 1681b- Permissible purpose. If National Credit Systems believe they have permission or any contractual agreement to do so please provide proof immediately.
Product: Debt collection

Harris and Harris has contacted the home where I work. This is a private residence. Not my employer. They have been asked not to call my clients home, out of respect for their time and phone line, but Harris and Harris has not stopped. If they wish to speak with my employer, then they need to contact the main office. Most recent call was XX/XX/11, on a holiday, @ XXXX in the evening.
Product: Checking or savings account

Transaction date XXXX amount {$120.00} I purchased tickets that I never received I disputed with my bank Chase that gave ne provisional credit at the time of complaint XXXX and now XXXX I receive s letter stating my account is going to be charged back {$120.00} This is unfair to me as a customer of the bank which is my money that is being taken from me on fraudulent charges at this point now. I paid for a service that I never received.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reporting Company used my credit report improperly
Product: Mortgage

XX/XX/18 payment made on XX/XX/18 reversed on XX/XX/18 XX/XX/18 payment made on XX/XX/18 reversed on XX/XX/18 XX/XX/18 payment made on XX/XX/18 reversed on XX/XX/18 XX/XX/18 payment made on XX/XX/18 reversed on XX/XX/18 XX/XX/18 payment made on XX/XX/18 reversed on XX/XX/18 XX/XX/18 payment made on XX/XX/18 reversed on XX/XX/18 We have proof that all of these payments cleared our bank and were paid to Ditech. After our first call to Ditech, it appears that the XXXX payment reversal has been reapplied to the account but we are not convinced that any errors that might have caused with interest and fees was corrected. We do have documentation for all of this but it contains the personal information that you said not to include. 

The only explanation that we have received for this is that Ditech is performing maintenance on our account and we will receive a new statement when the payments have been reapplied. This does not sound correct to us.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX 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

On XX/XX/year>, I attempted to make contact with the credit bureau Equifax in regard to an account listed on my credit report. This account appears to be reporting inaccurate information that is negatively impacting my consumer report. The loan amount is not accurate nor is the reporting date.
Product: Debt collection

This is a direct response to a letter I received from Chase Bank 's fraud department. The letter was dated XX/XX/2021, but I received the letter in the mail yesterday. This letter says that they need my ID and the Identity theft report I completed online at IdentityTheft.gov I am filing a complaint, so I can keep a proper paper trail of my communication for Chase Bank 's fraud department as this has been ongoing for 4 months now, having sent my original letter XX/XX/2021 and today 's date - XX/XX/2021. I want to assure timely response from Chase Bank 's Fraud department while I continue to protect myself from future identity theft. Please see the documents you requested attached. 

" Subject : Action Needed : We need more information from you. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Corelogic Credco reported a erroneous account and much lower credit score than XXXX credit bureau is teporting when XXXX XXXX XXXX XXXX had Credco provide my XXXX credit they provided different information on behalf of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information that is on my report. I have contacted the companies XXXX, Transunion and XXXX to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX XXXX : XXXX, ID, Identity Theft report
Product: Credit reporting, credit repair services, or other personal consumer reports

TODAYS DATEXXXX XXXX, XXXX SOC SEC XXXX XXXX DOB XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA  XXXX XXXX Dispute Department XXXX XXXX XXXX XXXX Texas XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX Reported : XX/XX/2020+ {$6500.00} Closed XXXX XXXX Reported :XX/XX/2020 + {$5000.00} Closed XXXX XXXX Reported : XX/XX/2020+ {$1300.00} Closed XXXX XXXX Reported : XX/XX/2020+ {$8700.00} Closed Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX  et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS : XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

I have a few collections accounts on my reports which do not belong to me. I have disputed these accounts on numerous occasions with all the credit bureaus and they always respond with the information is correct, which its not. I have never had a credit card with credit XXXX bank and I personally called XXXX about the collections account they are reporting and XXXX  confirmed to me that I do not owe them any money and they have no record of such debt. I have sent letters requesting the original contracts with my signatures and it was never sent to me. These collections have been on my report for several years and They do not go away. This has affected my credit scores tremendously. My payment history is at 100 % and has been they way for many many years.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts XXXX  Account XXXX XXXX Account XXXX XXXX Account XXXX XXXX XXXX Account XXXX XXXX Account XXXX XXXX  XXXX Account XXXX XXXX  Account XXXX n accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

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

Experian has added an account from XXXX XXXX to my credit report. I have notified Experian that this account is not mine and that XXXX XXXX   had failed when requested to provide proof of the validity of this debt. Experian did not require them to provide proof and instead reinstated the item on my credit report.
Product: Debt or credit management

I reached out to a few agencies so I could consolidate my debt. I ALWAYS pay on time, I have never been late, but I wanted to do this before I did start paying late or had to keep from paying because I was drowning. Of course they come back and say they can't do that, but their partner Better Debt Solutions told me they could help me, they could work with my creditors and lower the interest rate. it would not show up on my credit that I was working with someone. It would only take a month, and it would not have a negative affect on my credit. I am paying them a much lower price, it has been almost two months now and my credit is tanking, the creditor who has reported late payment has not been contacted despite me giving them the information multiple times. I was told they work with these companies all the time and it would take no time to fix this, yet every time I mention to the people at Better Debt Solutions, they say they haven't talked to the account managers yet. Which is a contradiction, because they tell you they work with them all the time. 

I worked really hard to get my credit where it was. I did have high utilization, but I always paid on time. XXXX was lowering my limits on my cards almost monthly and that made my utilization go up and my score go down. It was always a battle with these frauds, and they are the first ones to report no payment, which should not have happened because Better Debt Solutions could easily get hold of them. 

The protection bureau should have a program to help people so it doesn't affect your credit scores so much OR make it where credit scores are not what makes a person worthy of things. 

It is absolutely atrocious that a score is what makes a person worthy. People have multiple bankruptcies and they are allowed credit immediately, but hard working Americans do what is right and get the shaft.
Product: Mortgage

On XX/XX/22 I received notice from Envoy Mortgage that my escrow account has a shortage of {$4400.00} and that my mortgage would increase to {$2500.00} for 12 months in order to pay for the shortage effective XX/XX/22. My mortgage payment previous to this shortage was {$1900.00}. 

The first time I called the company told me the shortage was due to the {$3200.00} payment of my flood insurance plus the cushion amount of {$1200.00} which is required anytime escrow has a shortage. I explained to the representative that my HXXXX ( XXXX XXXX ) pays for my flood insurance and that Envoy Mortgage made a mistake by making this payment. I was told that Envoy would work on getting the money refunded into my escrow account as soon as possible. I asked for an email regarding this dispute for my personal records and was told that this was not possible. I was instructed to call back on the XX/XX/22 to get an update. 

I called back XX/XX/22 for an update and was informed by Envoy Mortgage that a request for a refund was submitted to the insurance company and that they were awaiting a response. I asked to have my mortgage amount adjusted to the correct amount so I will not be held financially responsible for the mistakes Envoy Mortgage made. The representative explained that my mortgage could not be adjusted until Envoy receives the funds back from the insurance company and then be able to refund my escrow account. I requested documentation of this situation again and was denied again. I was told that my mortgage is not late until the 15th of the month and hopefully this issue would be fixed before that. If not, I would be required to pay the increased amount and everything can we adjusted once my escrow account is refunded. 

Today I logged in to my online mortgage payment account and saw that there is a new mortgage payment amount required in the amount of {$2100.00}. I called Envoy Mortgage to get an update on the status of this issue. I was informed that the insurance company agreed to refund the {$3200.00} by mail to my XXXX  company after the required hold of 7 days. Then my XXXX  company will pay Envoy Mortgage by phone into my escrow account. Then I could request to have my mortgage adjusted to the correct amount. I asked again to have my mortgage payment adjusted to the correct amount now since none of this was my fault. I was again told this is not possible until they get the funds back into my escrow account. 

I am very concerned that I will have to pay the increased amount to avoid doing any damage to my credit score. I usually pay over the required mortgage amount toward the principal. This hardship would not allow me to do this and would hamper my financial progress.
Product: Debt collection

I discovered that my home was broken into by XXXX XXXX on XXXX XX/XX/2022 and the locked to my private property where changed, the premises ransacked and all my personal property belonging destroyed and missing. I blame there sender WELL FARGO BANK they failed to " properly supervise and monitor '' the contractors and subcontractors. This all took place while I was away probation my father 's estate as he just passed as a grieving XXXX veteran this is unacceptable as I have no contracts with Wells Fargo nor XXXX I hold the XXXX and XXXXXXXX XXXX from IRS and XXXX Homes Loans whom I acquired my home from this is unlawfully and illegal barring, larceny, braking and entering, and alot more this needs to be addressed thank you. By : XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : {$0.00} XXXX XXXX XXXXXXXX Original creditor : XXXX XXXX XXXXXXXX XXXX Balance : {$2200.00} XXXX XXXX XXXXXXXX Original creditor : XXXX XXXX XXXXXXXX XXXX Balance : {$2000.00} XXXX XXXX Inquired on XX/XX/202XXXX XXXX XXXX  Inquired on XX/XX/2022 2022
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted a letter to XXXX XXXX XXXX regarding an account they are reporting on my credit report. It is still showing up as an open account, paid collection. 

This account should have never been reported as a collection. This balance was paid with the original creditor. They have not responded to me, they havent removed it from my credit profile.
Product: Checking or savings account

Key bank is claiming to have an account in my name owing money, Ive tried to explain this was not my account and gave the the police report number for ID theft and they still reported it to XXXX XXXX XXXX. Now I can not even open an account and this needs fixed ASAP.
Product: Debt collection

my XXXX, XXXX credit report is reporting a student loan that was paid off by the dept of education /neln and needs to be removed from my credit report this loan was taken out in 2007 and went into forbearance and then was paid off by the department of education and other respaces available to me. 

please remove from my credit file.
Product: Money transfer, virtual currency, or money service

I would like too be reimbursed for the reported transaction