23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Our original home loan was through XXXX  and then it was sold to newrz LLC. We were told by both companies that this would be a seamless process and that they are just picking up were XXXX  left off. That is far from the truth. We have been with him for one month they have paid my homeowners insurance late causing a cancellation and then this morning I'm receiving another cancellation notice from the insurance company because changes need to be made. I In the original garbage that we received that all documentation insurance policies and everything will automatically be transferred and updated. I'm finding this out not to be true. I even called and had everything updated with my homeowners insurance. Had to call them a second time to ensure that it was updated. The lack of communication and transparency is very concerning. 

I am not receiving any documentation letters and or instructions from the new company on why changes need to be made or even being informed of them. I'm seeing hundreds of complaints in regards to this company and their actions. I'm wanting to reach out to find ways to protect myself from them doing any more damage to my home to my finances or even my XXXX XXXX How should I proceed and how can I get someone to actually talk to at this company that actually knows what they're doing? I should not be in fear of losing my home or getting charged late fees for the ineptitudes of a company that has done this to so many people. I'm sure you can see from your reviews and people who have submitted as well as the XXXX XXXX XXXX That this is an ongoing trend I am very scared and nervous for what is the yet to come in the new year. Please help.
Product: Debt collection

I received a letter from Winn Law Group on XX/XX/XXXX regarding a debt and account from XXXX??? I never received a summons, later found the paperwork submitted to the court was false!!! I was never served and after not receiving the needed paperwork from Winn, I obtained paperwork from the court myself, where I discovered false paperwork had been submitted by Plaintiff to the court, and I also found the Plaintiff has a court lean against my property too since I failed to appear for the hearing???

I have sent a total of three letters to Winn and in my last letter dated XX/XX/XXXX in which I offered to pay in-full a cash settlement of {$1800.00} and I also requested if the settlement was accepted by Plaintiff they remove the leans against my home. 

As of today I have NOT received a reply from Winn Law Group, as is why I have filed the cfpb complaint.
Product: Credit reporting or other personal consumer reports

I have no connection to the mentioned creditors, and these inquiries are not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently applied for an apartment and I got denied. I don't understand why I would be denied because my income, rental history, and credit are up to standard. Today I checked my credit report. While doing so I see items that aren't mine. I don't understand what's going on but these items are not mine and they all need to be deleted from my credit report : XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX INQUIRIES : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, 1 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

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. 

Account Name : XXXX  Account Number : XXXX and list of Inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

I made a purchase with my credit card on XX/XX/XXXX. I was billed on XX/XX/XXXX. The items were not shipped so I canceled the order on XX/XX/XXXX. After complaints to XXXX, FTC the company shipped on XX/XX/XXXX after a complaint to the FBI Internet Crime. My bank is charging me for this unordered merchandise. This is a Visa credit card issued by Chase Bank.
Product: Debt collection

XX/XX/2021 I received a letter from Allied International Credit Corp stating they are attempting to collect a debt from XXXX for {$910.00}. This debt does not exist. After looking into this, I saw others have received the same notice. I am not contacting XXXX or XXXX because this is fraud and a scam.
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate items in my report : 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 XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

I am Lisiting 2 inquiries fraudulent from my Transunion Credit Report. Listed inquiries do not belong to me and must be removed from my Transunion Credit Report. I had a call with the company and the credit reporting agency advised me to fi le an identity theft report for deletion. I am requesting Transunion to mark these inquiries fraudulent and remove from my Credit Report.
Product: Checking or savings account

They keep closing my accounts without talking to me via phone or in a local branch. I had a women that is a under cover agent I used to date and didnt know giving enlisted XXXX individuals my info and bank account where they were logging in online and XXXX  my money to herself and others my XXXX XXXXXXXX payments from XXXX XXXX XXXX XXXX  the trying to close my XXXX account down. I need a investigation and compensation over XXXXXXXX XXXX
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. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers XXXXThis 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 Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XXXX   XXXX ,    2017   XXXX   XXXX  made a hard inquiry on my credit report. Now, they deny it ; the Experian CREDIT beurau denies it as well. Neither company is willing to help. I am applying for a loan for a house and need to get this removed asap.
Product: Vehicle loan or lease

Dear XXXX XXXX XXXX : I am responding to your contact about a debt you are trying to collect. You contacted me by phone, on XX/XX/year> and identified this alleged debt. 

Please supply the information below so that I have all information : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. 

If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from. 

XXXX Provide verification and documentation that there is a valid basis for claiming that I must pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? 

If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I must pay. 

The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. 
State the amount of the debt when you obtained it, and when that was. 

Best Regards, ( XXXX XXXX
Product: Credit reporting or other personal consumer reports

I believe that under FCRA 605B, we need to delete any erroneous accounts from my credit report. Can you review the documents? Some accounts listed are incorrect concerning the reporting, with wrong amounts and dates being mentioned.
Product: Credit reporting or other personal consumer reports

I have alerted TransUnion repeatedly ( starting months ago ) about this fraudulent account with XXXX XXXX XXXX  XXXX, Account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX, Phone # ( XXXX ) XXXX. I have NEVER heard of this bank, lived in XXXX, nor opened an account with this bank. I have requested TransUnion and the XXXX XXXX XXXX  to submit me proof of their findings -- person ( s ) who provided confirmation of investigation with direct telephone number ( s ), original application with a wet signature, and other pertinent information provided. 
Today, I received a letter from TransUnion stating that they previously completed this investigation ( untrue ), while requesting documents ( letter from courthouse, billing statement, letter from IRS, and other items listed on their letter ) that I do not and would not have because this is NOT my account.
Product: Credit card

My US Bank XX/XX/2023 statement balance was {$620.00}. I paid {$620.00} ( XXXX cents short ) prior to closing. I was charged {$8.00} interest. I called Customer Service and they said it requires supervisor approval b/c I paid XXXX cents short. This is a predatory lending practice. Bear in mind, their app does not ever show the remaining statement balance if you pay partial payments each month, so you're left to figure out that balance on your own. Many creditors like XXXX and XXXX show me what I have left each month so I don't make a XXXX cent error. I'm left with no choice but to believe that US Bank deliberately hides the remaining statement balance so they can profit from additional interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was incarcerated at the time of 7 credit cards opened up in my name n my car insurance fax ford credit two days after my car was smashed ( stolen ) n told them they were paying off the loan which they did n the white bear XXXX have fauld. Papers n keep my extensions warranty n said it was bad credit I lost {$17000.00} n the credit.cards on top of that n the {$2500.00} warranty n my father just passed away if cancer n u guys have my birthdate wrong n some of the XXXX spelling. What else do u guys want I please help me with this cause I dont. Have nothing beside a nice union job but XXXXm afffraid Ill loss it if they do credit check n then I have nothiimg to lisss thank u
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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 an account without my written instructions.
Product: Credit card or prepaid card

I bought a product on XXXX and then returned it according to the sellers preferences. I waited several weeks for a refund and when I did not receive one I initiated a dispute with Discover, my credit card company. I opened the dispute on XX/XX/XXXXXXXX XXXX XXXX On XX/XX/XXXX, the credit for {$390.00} was applied to my account. This credit was kept on the account for months until XXXX came and Discover said the dispute was resolved in favor of the seller. I uploaded further documentation proving that i returned the product according to specifications on XXXX website and am entitled to a full refund. These documents included the receipt with the returned package tracking number, screen shots from XXXX website verifying that the package was received and signed for, and screen shots from XXXX chats and emails verifying that I was refunded to my discover card on XX/XX/XXXX for the full amount of {$390.00}. When I spoke to Discover over the phone ( on multiple occasions ) they said that XXXX had never refunded me and that the credit I saw posted to my account on XX/XX/XXXX was the temporary credit from Discover. When I spoke to XXXX however, they insisted that the XX/XX/XXXX credit was from them. Either way Discover took the credit, ( which was labeled as an XXXX refund ) away from my account on my XXXX statement as they reapplied the charge as the dispute was resolved in the sellers favor and not mine. This means that I have no product and no refund. Discover has refused to help me any further in this situation even though they wrongfully handled my dispute.
Product: Debt collection

XX/XX/2020 Wayfair order placed online order # XXXX for a crib in the amount of {$640.00} XX/XX/2020 I notified Wayfair canceling this order due to no response of order and still processing. 
XX/XX/2020 I was notified thru email that this now pending and could not cancel. 
XX/XX/2020 item was supposedly shipped. 
XX/XX/2020 a refund was applied in the amount of {$530.00} less shipping charges of {$150.00}. 
XX/XX/2020 after backwards and forth emails Wayfair creddit for full amount {$690.00}. 
Receiving numerous call from their financial instiution I thought it would self adjust with delays with COVID. 
Spoke with a representative from Comenity Bank finance charges keep occuring to date. Need to contact Wayfair to resolve. 
XX/XX/2020 XXXX XXXX  filed on Wayfair 's site disputing finance charges and please contact their Comenity Bank. 
XX/XX/2020 receive an email declining my credit card with Comenity Bank and a credit with Wayfair in the amount of {$51.00}. 
I wish this to resolved with Wayfair as I feel the order was never completed until I canceled and the communication with their credit card carrier as I trying to establish a very outstanding credit score.
Product: Debt collection

I XXXX XXXX received a summons from PORTFOLIO RECOVERY ASSOCIATES for an alleged debt on XX/XX/2021. According to the Fair Debt Collection Practices Act 15 USC 1681. ( a ) ( 4 ) I as a CONSUMER have the right to privacy. And I XXXX XXXX have been violated. 15 USC 1692c ( a ) PORTFOLIO RECOVERY ASSOCIATES did not have my written permission to furnish any information on any consumer report nor did I give them the address to my residence. To date PORTFOLIO RECOVERY ASSOCIATES has not VALIDATED any information I the consumer have requested. 15 USC 1692e ( 10 ) PORTFOLIO RECOVERY ASSOCIATES continues using deceptive means in their attempt to collect this alleged debt by sending paperwork to different address ' to delay my receiving and replying in a timely manner.
Product: Checking or savings account

Opened Current checking account on XXXX XXXX2024, deposited {$1600.00} into the account XX/XX/XXXX and transferred out to a linked account. Account was restricted on XX/XX/XXXX while a deposit was pending for another {$1600.00}, deposit posted on XX/XX/XXXX. Received email from Current Banks fraud team advising the account was temporarily restricted and they requested I submit a copy of my most recent bank statement from the bank I was making the deposits from along with a picture of my ID. I submitted this information XX/XX/XXXX along with an explanation of why I transferred my funds to a different bank than I deposited from. I have since received little to no communication from the bank. Whenever I request updates the only response i get states that the account is still under review.i have requested for assistance from a XXXX  only to be emailed saying I need to respond to the fraud team to move things along. I have requested more detailed updates as to what is taking so long as my account has been locked for over a month and for my funds to be released to me with no response or a way to obtain my funds. I attempted to transfer my funds to another bank which Current reversed my transfer. The company has a link on their website to their legal documents that advises if suspicion on an account is suspected they will reach out first, I was not notified before my account was restricted. I was also told by multiple people at Current that the review could take up to 10 business days, it has been past that time frame with no more information than I started with.
Product: Debt collection

all pro took money for bond then void it out McNeil & Meyers Asset Management Group , LLC all fraudulent
Product: Checking or savings account

We are trying to link our PNC account to XXXX in order to receive a COVID-19 grant however when doing so we get a message saying that there is a problem with PNC not allowing this to occur. We called PNC and they said the site may not be secure so they are not allowing the link. 

Its the only way we will receive the much needed funds. Please help
Product: Credit reporting or other personal consumer reports

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
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, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$28000.00}
Product: Debt collection

XXXX a debt collector attorney purchased a Charge off from XXXX XXXX and then Fraudulently filed a Judgement against me XXXX/XXXX/XXXX, using XXXX XXXX XXXX XXXX to be named as Plaintiff. I XXXX XXXX was never informed or served notice to attend Court. The account was reported delinquent in XXXX XXXX and The Vehicle was repossessed and returned in XXXX. Upon numerous attempts in contacting XXXX XXXX I am told that that XXXX has no Judgement filed against me. As of XXXX/XXXX/XXXX XXXX submitted a letter by mail to me stating that XXXX does not " report '' judgements and to contact the debt collector. How can XXXX be listed as a Plaintiff '' if XXXX does not report Judgements? As a Texas resident Statute of Limitations on Auto contracts is 4 years