23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

AMEX XXXX These people are complete slime. They knowingly provide a vehicle for organized crime, XXXX traffickers, and money launderers to run their scams and get paid through credit card swipes instead of cash. Some of the front businesses laundering money that AMEX cards are used in employ victims who don't speak XXXX and are solely being used as slaves in the XXXX XXXX XXXX  industry. 

We paid them off anyway just to get rid of AMEX. AMEX makes millions from this activity and interest payments on obscene charges and they hide behind the law and their terms and conditions. They are also liars who have a legal department who puts things in writing and then ignores it because they assume they can push anybody around. They are bankers for criminals. 

This is solely filed for any federal law enforcement agency who cares to bust this scam to contact me at any point in the future. 

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

Do have dates but I know well and that bill was not incurred by me, would glad be would come off my credit report in order to use my credit again for business and other things.
Product: Credit reporting, credit repair services, or other personal consumer reports

I made a credit report by tranunion my name is XXXX XXXX XXXX, there another name that its not me. The name that appears is XXXX XXXX. my social security number is not the one that appears in the name of the person that have the credit cards in my report. Theres a lot of payment and creditcard order in texas. Im from XXXX XXXX i never live or travel to Texas.
Product: Credit reporting, credit repair services, or other personal consumer reports

Two accounts are still on my credit history after contacting the credit bureau. They have the incorrect status and account balances. 

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

I purchased and financed a vehicle last XXXX ( 2019 ). Everything was fine at first, and then I started having problems with the finance company in the summer of 2019. I continued to make my regular, on-time payment every month ; but I discovered that the finance company had applied my payments to another customer with a similar name. The result was that my account started to report as delinquent in XXXX of 2019. When I spoke to the dealership about the mistake, they said they saw the problem, and would fix it. Despite their promise to correct the problem, they have continued to report me late each month. I have paid my loan on time every month, since I financed this vehicle. But despite that, this company continues to report my account as late, and is destroying my credit rating.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Consumer Opt Out ( XXXX XXXX XXXX, XXXX TX XXXX ) - to opt out of an unsolicited credit offer from XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX, OH XXXX, XXXX ), one is to call Experian Opt Out at XXXX or write. 
First - XXXX XXXX XXXX regularly sends unsolicited request to take out a mortgage from them ; pre-approved. Credit report shows then did a credit check on Experian, which was NOT requested or applied for. Totally inappropriate. 
Second - trying to opt via Experian is difficult to talk with a live person. Calling their XXXX recorded message system, I am immediately asked to say/enter my social security number, enter my birth date, home phone number, name, address, etc. 
This is very inappropriate in this day of trying to secure personal information - leaving requested info like this, not knowing who or how it will be captured/received appears lacking in security. AND, there is no way to call to talk with a live person. I did not leave the requested info to Opt-Out. Experian 's process is totally inappropriate, and to me, shows a lack of concern and business protection for key consumer financial data ; THIS SHOULD NOT BE ALLOWED, and I do not want Experian collecting, or reporting any of my financial history.
Product: Credit reporting or other personal consumer reports

XXXX XXXX sent my account to a collection agency who refused to work with me even though I referred the account to a settlement agency. They garnished my wages. I received a letter from the collection agency that the account was paid in full/judgement paid and satisfied. They even sent me an overpayment check. XXXX XXXX XXXX also sent me correspondence of the garnishment being paid in full through their office and also sent me a check for overpayment. My credit shows I still owe a balance of {$670.00} although I have documentation it was paid in full. I have disputed this with XXXX, and XXXX XXXX XXXX XXXX  and XXXX. My credit still shows charged off with a balance of {$670.00}.
Product: Debt collection

I have no recollection of this collection. ARS. Never signed a contract with this company. I have written them directly and received no response. Someone either from a data breach or theft of my purse has use my information to obtain all kinds of weird things. I 'm tired of trying to call when they just tell me I owe the debt and do n't care to help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

I was currently in a chapter XXXX bankruptcy which I later converted it to a chapter XXXX which included my mortgage. I later applied for a loan modification with Ocwen loan service. I was approved so I dismissed my chapter XXXX because I no longer could afford to pay my bills mortgage and bankruptcy payments. I am current on my mortgage but Ocwen keeps reporting it as late on me and my wife credit reports.
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. 
XXXX XXXX XXXX  # XXXX, XXXX XXXX, XXXX # XXXX, XXXX # XXXX, XXXX 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, XXXX  XXXX XXXX, XXXX # XXXX, XXXX XXXX # XXXX, XXXX  XXXX XXXX, XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX  # XXXX The above accounts have violated my rights according to 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 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. This means that the credit bureau is willing and knowingly reporting inaccurate information to my report. The attached shows the inaccuracies. This needs to be removed immediately.
Product: Credit reporting or other personal consumer reports

Hi my name is XXXX XXXX I am a victim of identity theft due to a data breach with XXXX my information was compromised on the dark web and used to apply for credit cards and loans fraudulently
Product: Student loan

e tried to call to get help as my son make XXXX $ an hour and is only part time due to covid. we tried to call to get extra help but kept getting hung up on. I found out a number calling me was them but every time i answered for 3 weeks they hung up. So i stopped answering now they blow up my phone leaving messages everyday but will not answer employee XXXX. if I answer this is harassment. My son has XXXX XXXX and XXXX  and has a hard time understanding the loan so I help him ans Sallie Mae  acts like they can not hear you after you ask for a manager. I said since you can hear me people need to talk when they call my phone that is how help is not of we called they didn't answer oh well that Sallie Mae trying to play games. This is not fair for a young man who is having a hard time. There customer service XXXX.
Product: Student loan

On XX/XX/2020 I submitted a request to change my payment due date from XX/XX/2020 to XX/XX/2020. I received an automated message that my claim would be process within 10 business days. I received correspondence that my new due date would be the XXXX of each month. However, in the Fedloan Servicing System, I noticed that I still was receiving a message that my monthly payment was still due on XX/XX/XXXX. I called on or around, XX/XX/XXXX to confirm that my new due date was the XXXX. The representative I spoke to assured me that my new due date was the XXXX and advised me to ignore the late message. After I received a two days past due message, I called Fedloan Servicing on XX/XX/XXXX to confirm, and was told by a different representative that the information that I was given by the former employee was incorrect. As such, I was forced to make the payment to avoid have negative information reported on my credit, despite requesting a timely due date change and despite being given incorrect information by the first representative.
Product: Checking or savings account

Hello On Monday XX/XX/2022 around XXXX I deposit {$1600.00} on ATM outside my Bank of America, the ATM was taking more than 5 min without depositing or closing my transaction, so I call the number on the ATM and told them what was happening the operator put me on hold and 2,3 minutes later ATM give me my debit card back but didn't deposit my money into the account, I called the fraud department right away and they didn't help, the follow day I go to the bank explain the situation and called again customer support to file a claim, they refuse to credit my money back to my account. I told them I deposit ( XXXX bills of {$100.00} ) ( XXXX {$20.00} ) ( XXXX bill {$10.00} ) Still My bank refuse to give me the credit till investigation finish and that's my moneys not fair.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX acct XXXX XXXX XXXX XXXX XXXX acct : XXXX and XXXX XXXX XXXX : XXXX has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat c payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit card

I purchased clothes from a store called XXXX on XX/XX/XXXX. The order showed delivered but I never received it. The merchant did not have a signature required delivery and the package was never delivered to my home. After an unsuccessful attempt to resolve the issue with the merchant, I filed a non receipt dispute with PayPal/Synchrony Bank in XX/XX/XXXX for {$310.00}, the total of my missing order. Sychrony bank ended up siding with the merchant because they said the package was delivered, though it was not received by me and part of the address on the shipment was incorrect. I have been going back and forth with the bank as I believe they are in violation of reg Z as I am now out of the product and the funds.
Product: Credit card or prepaid card

I received a paper notice that a new card was issued in my name by Bank of America, that I never ordered. Then I received another letter about a second card issued in my name by BOA and then when I spoke with their fraud team, they found a third card issued in my name from BOA! all three cards were issued within a month period to my knowledge. Their department should have realized this was fraud if not from one card then especiallly after XXXX cards were issued!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, acct number XXXX shows that I owe them {$840.00}. I dont know who this company is and have never done business with them please remove
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to contact Transunion to regarding this issue : I would like to contest and challenge an item on my credit report. My bankruptcy entry through the credit bureaus has caused much damage to my credit and failed to cover items that were listed in it, including XXXX, XXXX  XXXX / XXXX XXXX XXXX and XXXX XXXX XXXX  XXXX XXXX, as marks against my credit. 
I hired XXXX XXXX to have these items challenged on XX/XX/XXXX. I had to challenge XXXX XXXX twice and it has finally been removed using XXXX XXXX to dispute it. The bankruptcy was not and has not been reported correctly and there were flaws in the process of creating it to protect me from said creditors. Please remove the bankruptcy from my credit report as it has adversely affected my credit by not reporting items it should have contained. 
Please reference Part A. Secured Debts ( Section 3 - Debts ) for entries For XXXX XXXX XXXX XXXX, ( Part B. Credit Cards ) for XXXX XXXX XXXX, and XXXX XXXX. XXXX  XXXX reference # for the Bankruptcy is XXXX, Reported on XXXX, XXXX, XXXX. 
If you have any questions, please do not hesitate to contact me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Results from the investigation were neither logged, rendered, nor provided to XXXX, in 30 days and or til date, despite XXXX repeated requests. Second, XXXX requested Equifax to provide the method of accuracy & verification used by Equifax pursuant to FCRA 611et.seq. and or 611 ( 5 ) ( A ) ; and Equifax remains non-compliance till date. Third, XXXX requested Equifax to provide a court order judgment showing that named Creditors listed was the injured party and or an order of this allege debts with a judicial signature with circuit/district 's stamped seal regarding account # s listed for Creditors. Thus proving its legal accuracy & verification of this allege debt belonging to XXXX. Hence, Equifax again went silent.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this item for me to ensure accuracy. Here is the item I am asking you to verify as accurate : Experian XXXX XXXX XXXX XXXX  ; Account # XXXX
Product: Money transfer, virtual currency, or money service

I disputed with my bank navy federal. they denied all claims. I contact XXXX disputed and they denied. I sent the contract and all proff that I was scammed and the didnt nothing and held me fully respond
Product: Credit reporting, credit repair services, or other personal consumer reports

It is fact that I, the affiant, have tried to resolve this matter on numerous occasions with Wells Fargo. They have continued to violate my consumer rights using my consumer credit to harass me for a total of {$3200.00} as well as blackmailing me stating they would harm my reputation if I did not comply which is illegal under 15 USC 1691 ( A ) ( 2 ) ( B ), 15 USC 1692J, 15 USC 1602 ( P ), 15 USC 1692B ( 2 ), 18 USC 873, and 15 USC 1692d. I have also asked them to produce the original instrument in which I have signed for this alleged debt and they could not provide it. They then closed and sold my account to another debt collector, XXXX XXXX, being in violation of 18 USC 798, 15 USC 1692c, 15 USC 1692D ( 4 ). I have tried to handle this with XXXX XXXX on the dates of XX/XX/21 and XX/XX/21 and have notified the credit bureaus. They continue to violate me with their negligent and willful behavior which has not only damaged my reputation with loan balances and late payments, causing not only my credit to be denied, but also made me lose income, caused mental anguish, and XXXX inhibiting my ability to properly take care on my baby.
Product: Credit reporting

I 've tried entering a dispute with both FactorTrust Inc ( the credit agency ) as well as XXXX XXXX XXXX ( the company that had received a fraudulent credit request, but neither was able to take my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I initiated a dispute to the 3 main credit reporting bureaus, XXXX, XXXX, and Experian for a bankruptcy reporting inaccurately. The FCRA requires that all information reporting on a consumer report to be 100 % accurate. It is now XX/XX/XXXX, and I have disputed this issue 3 times since and they have not provided the information to determine how they verified the negative reporting.
Product: Mortgage

On XX/XX/XXXX, a Newrez employee misappropriated funds from my escrow account to purchase lender 's insurance for a policy that I had in place since purchasing the property in XXXX. I was unaware of this misappropriation until I received a late fee notice on XX/XX/XXXX. Since then, I have made over six phone calls, each lasting over an hour, speaking to numerous employees in escrow, insurance, customer service, and two supervisors. Each department blamed someone else for the problem. 

All of these employees fully understood the sequence of events. On Friday, XX/XX/XXXX, I called to complain that while they finally obtained proof of insurance and refunded the misappropriated funds on XX/XX/XXXX, they have failed to recalculate my payment or refund the erroneous late fees. 

My XXXX XXXX account is set at {$1000.00}, while the bogus charges by Newrez amount to {$1000.00}. The supervisor I spoke to informed me that as a supervisor, they can ONLY refund one late fee per account. She then said I would have to file a written complaint to escalate the issue. I requested that she escalate my complaint immediately, and she assured me that she would and that I would receive a call. I never received a response. 

In addition to requesting my complaint be escalated, I requested a copy of all my complaints be sent to me. Last Friday, it occurred to me that all these employees were aware of the sequence of events starting with the misappropriation of my escrow account. The name and number of the insurance company should have been in the file from previous years. There was no reason for me to provide the number three times before they obtained proof of insurance. Even after obtaining proof, they failed to correct the problems they created. 

On Wednesday, XX/XX/XXXX, the Newrez employee I spoke to said I have not paid the full amount in three months and if I wanted to avoid late fees, I should pay the full amount. 

The facts of my case clearly show that the employees understood the problem but failed to resolve it. If upper management did not orchestrate this behavior, they must evaluate and terminate those incapables of resolving the issue despite over XXXX hours of phone calls. The fact that a customer does not have access to a supervisor with the authority to refund three bogus late fees indicates upper management collusion. 

The challenge is not if Newrez attempted to rip me off, but how many others they have attempted to do this to as well. 

on XX/XX/XXXX I recieved a call from NEWREZ debt collection for over {$200.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means XXXXhas NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I bought my house XX/XX/XXXX from a guy in foreclosure and brought him current. Have been paying on the mortgage as agreed ever since. Recently US Bank acquired my loan from XXXX XXXX. US Bank is n't communicating with me as set out in the CFPD mortgage rules. 

This spring my insurance agent and I contacted US Bank about modifying my insurance policy to a home owner 's policy. XX/XX/XXXX I wrote to make sure they were using that policy rather than a forced-place insurance policy. And I also instructed them that, CFPD mortgage rules, they were required to remove any forced placed insurance fees and refund any charges to my escrow account. 

I sent them a certified letter with another copy of my insurance document for my house covered by the mortgage, which showed ample coverage for their Loan # XXXX. 

It 's well past the time they should have responded back that they received my letter and that the issue has been resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 XXXX XXXX Dealer Service placed an illegal inquire on my Equifax credit report that was not authorized by me in any way, they did not have any permission to do a hard inquire and have NO documentation of the same. When I contacted them they hung up over and over. They said they did not do an inquire and have no records of the same. Equifax as told me to tell XXXX XXXX to call them and that they could immediately remedy the fraud the XXXX employees have committed. XXXX XXXX has not called Equifax as they requested. Now there has been a additional act of fraud as there is now ANOTHER ILLEGAL INQUIRY that was not authorized this time on XX/XX/XXXX. XXXX XXXX has been e-mail about this new act of fraud and they continue not to take prompt action to remedy their illegal behavior.
Product: Checking or savings account

The bank apparently offered FREE ADD insurance. Somehow my name is attached to a policy which I know nothing about, nor do I believe in ADD insurance. {$50000.00} insurance was added to this policy and money is being removed from my account. This account is a special one and has not been touched in two years. {$16.00} was removed XX/XX/XXXX ... XX/XX/XXXX ... XX/XX/XXXX ...XX/XX/XXXX and XX/XX/XXXX for a total of {$82.00}. I spoke to the bank manager and nothing he can do about it ... he gave me the number to ADD and they will only return a small portion of what was stolen from my account ... I could fight for the remainder amount. They said I have to cancel this insurance ... HOW do you cancel something you NEVER AUTHORIZED to begin with. I want ALL my money returned into my account and interest returned. This is a pretty good scam they have going and senior citizens, like myself, have no rights or say in this. When does practice like this stop? I was told this originated in the branch office ... I have not been in that area for over 2 years due to my health and hospital stays which can be documented. This account has had no activity on it in 2 years ... .I guess it was easy prey.