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

The following describes a series of unlawful attempts to deny the consumer of his own XXXX funds. 
On XX/XX/year> XXXX plans was to move in extended stay due to indications of being stalked. The plan was to move in a affordable XXXX XXXX while I look for work. Understand the importance of withdrawing funds for suit, I would contact the USAA bank to find out a unsuspected charge to my checking account. When I called to speak with the rep, the rep told me she would not need to deactivate my card, I specifically told her not to change card status. upon calling back after the call disconnected, I soon learn that the rep not only canceled. The debit card became a hope for stability since now I was in desperation facing homeless. I pleaded with rep but she stated she was unable to help besides submitting request to send another debit card. 

I sent a dispute on the XXXX  involving XXXX XXXX XXXX ( account XXXX ) fraudulently refusing me access of my own savings account. There where asking an increasing amount of personal questions which then becomes data provided to third part agencies, after normal procedure of verification was answered. after multiple reps denying me of my own account access I suffered a major migrain followed by joint pains. 

XXXX XXXX - I checked my app and noticed XXXX of funds available. I then proceeded to make purchases for groceries via XXXX. ( credit paid by debit. ) Current date XX/XX/year> XXXX PM- I open my USAA account and notice a transfer of XXXX of funds from XXXX XXXX savings to USAA have been reversed and I am now charge for using the debit card for food charges after I was told by USAA bank XXXX that XXXX of the XXXX would instantly be available. this is not only a misrepresentation but a bold misleading advice from USAA representative. Because of this preauthorized electronic transfer of funds failed to initiated I am facing homelessness again. The direct lie was a direct hazard to my well being based on my living situation. I have already traveled due to being a stalked victim. Thank the the actions of both XXXX online savings and USAA bank my anxiety and veteran XXXX is thru the roof facing homelessness. 

On XX/XX/year> I spoke with a USAA rep who guided me thru updating password and transfer of funds. Once in my application login he guided me to provided signature which he stated will authorized funds from outside banking ( Online savings ) to USAA checking account As of XX/XX/year> XXXX pm there is a $ XXXX checking charge ( account XXXX ). check pic call for any other proof need of these fraudulent banking techniques and procedures towards proprietors of accounts. See pic attached. Reps refused to explain how there procedures were legally authorized.
Product: Mortgage

Hello, I refinanced with a new mortgage provider. On XX/XX/XXXX, I contacted Newrez to request a formal payoff good until XX/XX/XXXX. They provided me with this document. 

By XX/XX/XXXX, my NewRez LLC ( XXXX XXXX XXXX XXXX ) account was paid off in full and closed. On XX/XX/XXXX, NewRez sent me an escrow check excluding my taxes. I contacted them immediately letting them know there was an issues. They said there was not and to check my files again. On XX/XX/XXXX NewRez used XXXX to make a tax escrow payment. 

I called my city tax collector and they confirmed that my closing taxes were paid in full on XX/XX/XXXX. They also confirmed that they received a payment from XXXX that they were issuing a refund back to them and the check would be cut XX/XX/XXXX. 

I proceeded to consult with my lawyer and was advised to call NewRez back as this was indeed NewRez issue. I called NewRez back on XX/XX/XXXX and then again said this was not there issue. They would escalate the this ticket, but no further action was taken. 

I waited a few weeks and called NewRez back again on XX/XX/XXXX. I got the same response with another " escalation ''. They advised that at this point there is nothing they can do. 

By my records, it has been XXXX  months since I disclosed to NewRez I will be closing the account and XXXX weeks upon fully paying off the account and I am still owed thousands of dollars from them. There customer service is horrendous and I feel as though I may never see this money back as they continue to tell me this is not their fault or their issue to deal with.
Product: Mortgage

I called my mortgage company ( Caliber Home Loan ) XXXX XXXX and told them that I know my modification will end in a couple of years and I wanted to proactive and try to do something early. I told them the homes in my area are declining and that my neighbors are buying homes for XXXX XXXX, and my balance is XXXX XXXX XXXX XXXX plus. The agent asked me if they make me an offer to buy the house at the fair market price would I keep the home, ( I told them I was going to find another home less expensive )? 
I said yes .She said get a preapprove loan from another lender and send in a hardship letter. I did just that in XXXX and XXXX. The first one they denied because when they sent the appraiser out the value was XXXX XXXX XXXX and I offered XXXX XXXX XXXX. I told them okay, I will do it XXXX XXXX XXXX. They told me to resubmit it again along with hardship letter. I did as they told me. Never heard anything from them again on this matter. On XXXX XXXX XXXX I received a letter from them about modification they also sent one in early XXXX. I called them the earlier part of XXXX and told them I wanted to continue the modification or short sale but right now I am in the process of burying my husband he died expectantly XXXX XXXX. They expressed their condolences and said ok. I received a letter on XXXX XXXX from their lawyers 9 XXXX XXXX and XXXX XXXX saying they are foreclosing on XXXX XXXX XXXX. Right now I am so devastated the loss of my husband and now dealing with this. I kept asking them about the previous offer, no one can answer my question it 's like they are blaming each department. Spoke with XXXX ID # XXXX in XXXX XXXXSent her information that they should 've already had. Spoke with XXXX ID # XXXX on XXXX XXXX XXXX XXXX he could n't explain transferred me to his supervisor XXXX ID # XXXX. She looked in the system and said from what she see they gave me an offer back in XXXX for XXXX XXXX XXXX XXXX dollars. I told her that did not happen. She looked again and said yes I see. She then said I see your offer for XXXX XXXX XXXX I wonder why they did n't respond to that. She said I will forward this over to another XXXX name XXXX XXXX ID # XXXX property solution manager and see what she says. Have not heard anything yet and XXXX is approaching. What I would like to happen is, they give me the offer to buy at fair market, or give me time to find somewhere else to live. My XXXX XXXX XXXX dad is living with me also. Please help me I am so exhausted.
Product: Debt collection

This company will not answer their phone. They brought debt from a company that I already disputed named XXXX which was found to be fraud. The company name DNF Associates {$3300.00} opened XXXX XXXX XXXX XXXX
Product: Student loan

I completed graduated school in XX/XX/XXXX. I recently received a contact from a debt collector stating she was calling on behalf of PNC loan bank regarding an account I defaulted on in XX/XX/XXXX. I informed her that I had spoken with the company in XXXX and informed them I had been enrolled in graduate school and actively taking classes until at least XXXX. She reported that was not the records she had been given. I inquired that if she had been notified that I defaulted in XXXX why was it just being sent for collections. She reported she did not know. I also asked for the account to be reviewed and contacted the creditor but they refused to give me any information about the account and directed me to the debt collector. I have recently requested information regarding my account from the debt collector, but I have not received any correspondence from her in weeks. I am mostly concerned because when I contacted the creditor they reported they had no contact information from me, but the debt collector claimed she called me the first day she received the debt and she had my personal cell number and address, however I never received any information from PNC about my account being at risk or sent into collections and when I consolidated my student loans in XX/XX/XXXX, they did not agree to allow the account to be consolidated with my federal loans, but I never received anything from them after that either.
Product: Credit reporting or other personal consumer reports

I am writing to request the removal of certain addresses and phone numbers from my credit report, as provided under the Fair Credit Reporting Act ( FCRA ) and specifically referenced in 15 U.S.C 1681c. 
I contacted XXXX, Experian, and XXXX and has had no help with the removal of the following items that I have identified. Several addresses and phone numbers which are either outdated or no longer relevant to my current circumstances. The presence of these outdated addresses and phone numbers may potentially impact my privacy and confidentiality as protected under the FCRA. 

The following outdated addresses and phone numbers should be removed from my credit report : Addresses : 1. XXXX XXXX XXXX XXXX, XXXX, NJ XXXX ( Date Reported : XX/XX/XXXX ) 2. XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX ( Date Reported : XX/XX/XXXX ) 3. XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX ( Date Reported : XX/XX/XXXX ) 4. XXXX XXXX XXXX, XXXX XXXX, NJ XXXX ( Date Reported : XX/XX/XXXX ) 5. XXXX XXXX XXXX, XXXX, NJ XXXX ( Date Reported : XX/XX/XXXX and XX/XX/XXXX ) 6. XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX ( Date Reported : Current Address ) 7. XXXX XXXX XXXX, XXXX, NJ XXXX ( Date Reported : XX/XX/XXXX ) Phone Numbers : 1. ( XXXX ) XXXX 2. ( XXXX ) XXXX 3. ( XXXX ) XXXX 4. ( XXXX ) XXXX 5. ( XXXX ) XXXX 6. ( XXXX ) XXXX 7. ( XXXX ) XXXX 8. ( XXXX ) XXXX 9. ( XXXX ) XXXX I believe that the presence of these obsolete addresses and phone numbers does not serve any legitimate purpose and may lead to potential confusion or unauthorized use. 

I kindly request that these outdated addresses and phone numbers be promptly removed from my credit report, and that any future consumer reports issued by your agency do not include this information. 

I appreciate your attention to this matter and the timely handling of my request. Please provide written confirmation once the requested removal has been completed. 

Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

Asked for contract agreement also any and all documentation information pertaining to this auto loan, I began asking in XXXX of XXXX  I received a email stating that they received a dispute from a credit reporting agency, and that was it! that was in XX/XX/year>. This is not my account and I did not authorize any consent to it.
Product: Debt collection

My XXXX XXXX account was closed and paid off XX/XX/XXXX. This same bill recently appeared on my credit after it was paid. Upon cancelation of the XXXX account, I kept my internet services until the following summer XXXX when I changed my address. I have payment information from my bank account where I still paid monthly for internet in XXXX. The provider first said I did not make any payments towards the internet or XXXX service. Once I provided this bank statement showing the XXXX account was paid off, the provider then said I made the payment to the wrong department and that my XXXX services continued, & that my internet was canceled. How was the internet canceled if I still made payments & used the internet? Either I need a refund or these false charges need to be removed from my credit! The provider also stated there is suddenly no copy of my contract nor payments made as proof of these charges. But I'm still being charged ... How can you charge me if you said yourself there are no records of the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I contacted Exeter Finance, LLC ( Creditor ) to dispute a missed payment listed on my credit reports. The account in question has been closed for over a year, as it was paid it full prior to the account monthly due date. 

30 days had passed with no response from the creditor, so I called them to inquire about the dispute, one representative said the dispute was never filed by them, and another representative who handles disputes stated the dispute was still processing. I informed the representative that they must remove the account from my credit report because they are time bared according to FCRA. An additional 30 days had passed and the creditor continued to report the account being late. I then received a letter from creditor by mail that was unrelated to my dispute asking if the matter was handled. On XX/XX/2021, I sent a certified demand letter giving the creditor 15 days ( XX/XX/2021 ) to delete the account from my credit report or I will elevate the matter to include legal remedies. On XX/XX/2021, my demand letter has been ignored and the creditor continues to report the inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account that Equifax has Has violated my rights by law By not removing after the proof was given and it has been disputed 3 times with them and also coming CFPB for the 2nd time now. XXXX and XXXX have both deleted this immediately. And by law there's 3 reasons this needs be removed, not NOT considered CLOSED ( IT WASNT OPENED BY ME ) 1st of all a fraud alert And an investigation was apparently done by the government, 2nd of all the dates are completely wrong, And dollar amounts have changed multiple times, and my personal info has been fraudulently used, 3rd of all it should have been completely deleted in XXXX of 2022 like all the proof says, even if I was aware and it was my account ( which its NOT ), and this still hasn't happened. Now that I have everything cleared up on my report and you don't want to take care of it and protect me as an honest civilian, the next step will be getting an attorney and I will persecute at a federal level. Please do your jobs there at CFPB and Equifax, So I don't have to waste another minute and stress over something that is beyond my control, that I've tried to handle for the 5th time now! I am not allowed to sign a mortgage on our 1st home for my daughter 's and I at XXXX XXXX XXXX until this is removed and weve been patiently waiting for over 7 months now!!! Have a blessed week!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  has 2 fraudulent collections under on my credit reports.

Two charges : one for {$500.00} and a second for {$280.00}, both from the same facility and same date of service of XX/XX/XXXX.

I have never received medical treatment in the state of Pennsylvania.

I disputed these fraudulent collections on my credit reports with Equifax, XXXX  and XXXX  approximately one month ago and I received an email alerting me that my disputes had been resolved. However, when I went to check my credit reports, they showed the 2 above referenced collections are still on my reports. According to the reports, XXXX XXXX claim the collections are correct and the credit bureaus still have them on my record.

I have been on the XXXX XXXX plan since XX/XX/XXXX and once again, have never received medical treatment in the state of Pennsylvania.

Please help remove these 2 fraudulent collections on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX all have been grossly negligent in handling my accounts with XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. This situation is a big ball of confusion if you take a simple glance at the letters received from XXXX and XXXX. 
I have been damaged for years with this company on listed my consumer credit report, with the assistance of the consumer credit agencies. I have decided to take additional measures with this matter. I have asked for debt validation and most times XXXX XXXX XXXX would send me a copy of the negotiable instrument that I signed. In their reply they said they bought a defaulted loan. The credit agencies would continue to send their generic responses or nothing at all. UCC 3-603 is clear about the Tender of Payment and UCC 3-311 is clear about Accord and Satisfaction by use of instrument. I signed a negotiable instrument, if there is any problem, mail me the original note and application back. If not, I demand my account is updated, current, no missed payments and placed in a paid in full status. I have sent XXXX XXXX XXXX affidavits of fact that were not rebutted point for point, nor have they responded to any if my demands that they sign and swear that their statements are true under penalty of perjury. The most recent letter I received from XXXX XXXX dated XX/XX/2021, I was notifying me that they had sold, transferred or conveyed my account over to XXXX. In XX/XX/2021, I demanded that the CEO, Executive Director XXXX XXXX Validate the " alleged debt '' under penalty of perjury, instead his attorney, XXXX XXXX XXXX responded but still did not do as I demanded in my letter or affidavit. I also demanded in that letter that my information not be sold, transferred or conveyed to any other parties. 
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Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2019 I contacted XXXX XXXX XXXX XXXX to resolve a long outstanding debt. They informed me that the statue of limitations had expired and that they would be doing a write off / charge off of this debt. During XXXX of 2019 there were some changes reflected on my credit bureau reports but there remained some inaccuracies. I disputed those with the bureaus as they were showing incorrectly. On XX/XX/2019 I received alerts from all three bureau 's as to changes to my reports. Upon investigation now ALL THREE bureaus are reflecting incorrect information. I called XXXX XXXX XXXX XXXX today and they state that the accounts are closed and with XXXX balance. ALL THREE of my reports show one account as still open and both accounts with outstanding balances. 

I am currently under contract to build a home. If this inaccurate reporting is not corrected I will have to pay higher interest rates and suffer financial damages from this inaccurate reporting. I have filed multiple disputes with all three bureaus over the previous months and yet this incorrect information has not been corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. Experian is reporting Personal information name and address reported wrong.

2. Experian has another name that's not my name XXXX XXXX not me
Product: Mortgage

So today when signing on to my checking account, they alerted me to a duplicate payment/transfer for my monthly mortgage payment on XXXX XXXX they informed me it was Shellpoint mortgage that did it and to call them. After 45 minutes and transfers to two separate representatives I finally got my answer. Yes Shellpoint was aware they did take two payments from my checking account. No apologies, no notice that they realized the mistake & were going to reverse the extra charge. I asked if it could be applied to next months payment or extra principal, but was told no, the reversal was already in the works and would be back in my account in about a week! If I hadnt called were they going to keep my money? So ... basically they get to use my hard earned $ free of charge for over a week? The representative said its not free we are giving it back to you! So terrible customer service on top of shady practices seems to be the norm at Shellpoint. My bank has not received any notice from Shellpoint about reversing the double debit
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate, incomplete, and unverifiable information on my consumer report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., you are required to conduct a reasonable reinvestigation of any disputed information. However, your failure to comply with this obligation, as evidenced by recent legal action against your agency, constitutes a direct violation of federal law. 

The Consumer Financial Protection Bureau ( CFPB ) has sued both Experian and XXXX for conducting sham investigations, failing to properly verify disputed information, and misleading consumers regarding their rights. This lawsuit confirms what many consumers, including myself, have experienced firsthandan outright refusal to conduct a lawful, good-faith reinvestigation as required under the FCRA # # Violation of Federal Law Your failure to verify the accuracy of the disputed information violates the following FCRA provisions : - 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Mandates that a credit reporting agency conduct a reasonable reinvestigation when a consumer disputes the accuracy of any item. The CFPB lawsuit establishes that Experian and XXXX have routinely failed to comply with this obligation. 

- 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) Requires that any information that can not be verified must be deleted from the consumer 's file. The burden is on you and the furnisher to prove the legitimacy of the reported data, not on the consumer to disprove it.

- 15 U.S.C. 1681e ( b ) Requires that credit reporting agencies maintain maximum possible accuracy in consumer reports. Your failure to conduct a reasonable investigation and reliance on automated systems instead of substantive verification is a clear breach of this requirement.

- 15 U.S.C. 1681s-2 ( b ) Requires data furnishers to conduct a reasonable investigation once a dispute is received from a credit bureau . Your continued reporting of information without proper verification constitutes willful negligence.

# # # Demand for Immediate Deletion Since your agency has failed to meet the legal standard of a reasonable investigation, and in light of the CFPBs action against Experian and XXXX for fraudulent and deceptive dispute handling practices, I am demanding the immediate deletion of the following inaccurate, unverified, and disputed accounts from my consumer report : XXXX. Bankruptcy chapter XXXX # XXXX XXXX. Bankruptcy chapter XXXX # XXXX XXXX Address XXXX XXXX de blaay ct XXXX, XXXX, mi XXXX XXXX. XXXX XXXX XXXX # XXXX Date opened XX/XX/XXXX XXXX. XXXX  XXXX Act # XXXX XXXX. XXXX XXXX Act # XXXX Date opened XXXX, XXXX XXXX XXXX XXXX XXXX # XXXX XXXX credit first na Act # XXXX XXXX first na Act # XXXX XXXX XXXX bank NA # XXXX XXXX XXXX XXXX XXXXXXXX XXXX # XXXX XXXX. XXXX XXXX # XXXX XXXX. XXXX XXXX # XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

According to my credit report it is claimed that the original creditor is Credence Resource Management. I Never opened an account with this company. I have also disputed ownership of the debt SEVERAL times. They keep claiming that they have verified the debt, even though I have requested proof of the debt multiple times, they have not and will not provide me with any proof that I signed into any binding contract with them, or any proof that they are entitled to collect any amount of money from me.They have done nothing to satisfy my requests for verification, yet they continue to harass me and call me multiple times from different numbers as well as send me text messages. They are acting extremely unprofessional and unfair. I want this derogatory remark immediately removed from my credit