23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

My daughter leased a new car with XXXX XXXX XXXX and I co-signed as it was her first new car when she graduated from college in XX/XX/XXXX. Her lease expired and she leased a new XXXX on XX/XX/XXXX. XXXX XXXX in XXXX XXXX MA never closed out the first lease until XX/XX/XXXX after I threatened to file a complaint with the Attorney General 's Office an MA. Delinquent payments reported on the lease turned in were removed. When we did the original lease I asked about the excise tax we pay in MA and was told that XXXX pays that. The manager of XXXX told me the lease was closed and all set. XXXX XXXX told my daughter the lease was closed when in fact it wasn't. She owed a property tax which is actually the excise tax that we were told in the beginning that XXXX pays. Neither my daughter or myself knew what this Property Tax was and again were told the lease was closed out. While on vacation my daughter got a notification from XXXX XXXX staying her credit score had dropped. I also got notification from my bank that my credit score had dropped over 100 points. When my daughter called after vacation she was told she owed the property tax so she paid it over the phone 2 months after the lease was closed. I talked to XXXX and XXXX at XXXX XXXX and they will not remove the 60 day late on the credit report that is impacting our credit. 
The credit bureau told me it stays on the report for 7 years. My daughter never missed a payment on this lease and I was not asked to co-sign the second lease because she had a perfect payment history. We need help getting the 60 day late removed. I don't think we should penalized for a mistake. So many phone calls with no help.
Product: Mortgage

My brother has a loan through Freedom Mortgage on a VA type loan- he has recently passed away and when I took over as executor of his estate, and tried to work with Freedom Mortgage to resolve his loan, and be able to receive mailings and correspondence, I was ignored, and no mailing ever went to me, or phone calls to me regarding his loan with Freedom Mortgage. When I found out about the home being foreclosed on, and was never once mailed a letter or had a phone call, I was in total shock. I called Freedom Mortgage immediately, and was told they sent his mail to a PO Box that he was using prior to his death. When I asked why NONE of his mail was being sent to me as requested, I was told, the address they sent it to was the one on file. Despite my requests to have all mail and correspondence sent to me. 
The hose is now in process of being sold, as we have lost hope in keeping the property. Now the mortgage company will not give the title company a payout amount to resolve the title. The mortgage company has done everything they can to foreclose on this home, and has made no effort, or action to work with me in any manner to resolve the loan, or allow the title company to resolve the payout amount. 
The mortgage company has- Death Certificate of my brother, my ID, court documents with me as executor, and the my address to where to send mailing, and still never once contacted me regarding his account. Who were they working with on this foreclosure?
Product: Credit reporting, credit repair services, or other personal consumer reports

The following credit inquiries listed on my Experian and XXXX credit report are fraudulent, unauthorized, not mine and do not belong to me : XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX   XXXX, XX/XX/XXXX, XXXX XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX   XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX  XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, and XXXX XXXX XXXX, XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several incorrect accounts. I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. It is my understanding that Credit Bureaus will investigate these items for me to ensure accuracy. here is the account I am asking you to verify as accurate. account name XXXX XXXX XXXX account number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  did send me any information on how they verified the information i disputed. XXXX is not accepted as vitrifaction who did you speak with. the name and email of the person you talk to for the investigation ... .. THERE WAS NOT AN INVESTIGATION MADE ON MY DISPUTE ... XXXX I WANT TO SEE PROOF I WROTE A LETTER TO THE ACTUAL COURT THEY DO NOT REPORT TO THE CREDIT BUREAU ... Iam GOING TO FILE LEGAL ACTION AGAINST THIS CASE IF MATTER IS NOT RESOLVED
Product: Credit card

I called and paid out my account in XXXX. I asked customer service the amount to pay and paid what was stated. I am now receiving late fees on account I paid out
Product: Mortgage

I filed for bankruptcy XX/XX/XXXX, which my home was in foreclosure from XX/XX/XXXX to SeptXX/XX/XXXX. From the time that I filed bankruptcy until it was discharged the XXXX for the home continued to try and collect funds from me. Bank of America refused to provide documentations showing that they submitted a claim through their FHL process to recover and pay all XXXX fees from the time that the home entered into foreclosure until it sold. It miraculously sold right after I sent them a 2nd notice that my bankruptcy was finalized. They continued to keep the home in my name through the bankruptcy process and after. Instead of selling it at auction.
Product: Credit reporting or other personal consumer reports

XXXX XXXX has reported 3 months of late payments when account was on an auto debit and funds were debited from my account every month on time. 

XX/XX/XXXX {$170.00} Direct Debit XX/XX/XXXX {$170.00} Direct Debit XX/XX/XXXX {$170.00} Direct Debit
Product: Mortgage

I used XXXXXXXX XXXX XXXXXXXX to refinance my home. The process began in XXXX of 2020 and the final payment to Dovenmuehle mortgage was made on XX/XX/2020. On or around the time of payoff to Dovenmuehle, Dovenmuehle attempted to sell my loan to XXXX. XXXX realized I had just payed it off so the loan transfer was never completed. XXXX XXXX XXXX  and the Title company used informed me I would be receiving a check for just under {$11000.00} ( representing the escrow money from the sale ). XXXX came and went, and beginning of XXXX I called Dovenmuehle " Where is my escrow money '' - they told me " XXXX has it ''. I call XXXX " We never went through with purchasing your loan, why would we have your escrow money? '' I call Dovenmuehle - ( bear in mind now a total of 22 times ), getting different answers, dodge and minimize, let me transfer you to a supervisor - the transfer you to a supervisor routine sent my call into a call completion survey asking how the service was about 8 of these 22 calls ). I was told around XX/XX/XXXX " Oh look, we've found your escrow money '' - you'll get in a few business days. Nothing. I called a week later " where is my money ''. They say " we see it in the account, hmmmm, let me transfer you to a supervisor '' ( only to get cut off once again ). The next time I finally get through I'm told " we cut the check on the XXXX of XXXX but it hasn't been mailed '' - I ask " Can you send it overnight, I'm unable to pay bills and need that money '' - they said yes. It is now XX/XX/XXXX. Yesterday I made 3 calls, the first two got dropped in transfer to a supervisor, the final call asked the front line called " please please ask a supervisor to call me, you are unable to effectively transfer me and I need this money ''. She took down my name, number and old loan number. NO CALL. I call today, they tell me " it looks like the check was mailed yesterday, I can't tell if it was overnight or snail mail maam, I'm sorry you will just need to be patient ''. Dovenmuehle has such a  scarcity of customer service it's astonishing.
Product: Debt collection

There is a charge of {$69.00} placed on my credit report by a collection agency from XXXX from XXXX XXXX XXXX. At that time I worked for the hospital and was covered through the hospitals insurance XXXX. I had a copay which I paid each apt prior to receiving any services. I have contacted this collection agency because this is truly an error and it is affecting my credit at a critical time. The credit agency refuses to remove the from my credit file I contacted both XXXX of XXXX which has been taken over by XXXX XXXX and was told I have no balance nor were any debts sent to a collection agency. XXXX XXXX directed me to their physicians billing at XXXX that also told me I owe no money and there was no collection activity against me. Something similar happened a few months ago were XXXX XXXX sent a bill to my old address for payment of over {$700.00} which was not due. At that time I contacted XXXX XXXX who looked into the matter and it was corrected. Please help me resolve this I am attempting to apply for student loans for my daughter and this is hindering the process.
Product: Checking or savings account

My mother passed away in XX/XX/XXXX. Prior to her death, she had an IRA CD account in which the CD had matured XX/XX/XXXX. She was ill and together we attempted to close the account and move it to another institution. I received a letter in the mail dated XX/XX/XXXX saying the request had been returned unprocessed. I contacted PNC and spoke with XXXX XXXX and she said that she could not let me know why it was not processed without the power of attorney document ( my mother was too frail to speak on the phone ) It was not touched, nor were we given appropriate people to solve the problem. The money was put in an auto-renewal earning .03 % ( you know that isn't close to market ). I sent the power of attorney document to them on XX/XX/XXXX where it sat and they would not speak to me. Finally, I sent in the DSPOA for Ira accounts ( after consulting with my attorney ) on XX/XX/XXXX and then my mother passed away on XX/XX/XXXX. Part 2 : After death, this account was supposed to roll to myself and my 2 siblings under the 10 year rule after death, but PNC refused to do that ( my attorney contacted them several times and they refused and would not allow him to speak with their legal team ). I am responsible for the estate so I agreed to distribute their way, which was the trust as the beneficiary. I filled the paperwork out with one of their representatives on the phone, I submitted it on XX/XX/XXXX with everything that they instructed for me to include and I was supposed to have the funds in 7-10 business days. I contacted them today, XX/XX/XXXX and the papers haven't been touched. I asked to speak to a supervisor and they said that they don't do it that way, but they transferred me to a voicemail to a level up and the call should be returned by end of business on XX/XX/XXXX. I would like someone to help me get this money ( mailed with tracking ) so I can finish my fiduciary responsibility to the estate. I know it can't be done, but I would also like to be reimbursed for the loss of interest ( approximately {$2300.00} ) and legal fees ( $ XXXX ).
Product: Debt collection

Over the past 6 months i have sent in 4 letter to this company to ask for proper validation of the debt they are attempting to collect from me. I have not record of this debt. No hospital visit nor a doctors visit during the time. Last letter was sent in on XXXX XXXX. Still with no response. There are a couple of people down in my area with the same exact name with one being less than 15 miles from me. I wanted to get the proper information that this is me. Now its affecting my credit and this company wont respond.
Product: Debt collection

I am receiving dozens upon dozens of calls from a collection agency which I discovered is Nationwide Credit Collection from XXXX for a debt I do not owe. I am not delinquent on any of my bills. These calls are arriving of late after XXXX and XXXX prior call came in at XXXX. I do not answer any of these calls. I am also receiving calls at my place of employment on a daily basis. I recognized the number from my home number and do not answer these calls but they continue to call. This has been ongoing for quite some time.
Product: Debt collection

a negative credit debt was placed on my personal credit report for {$1000.00} for date of service XX/XX/XXXX at XXXX XXXX - XXXXXXXX XXXX. On the evening of XX/XX/XXXX, I gave the registrar my insurance card and a copy was made for my acct. Ohio Medicaid should have been billed at this time and this debt would have been paid at 100 %. I have never been given the opportunity to explain or provide the insurance info as was provided to the hospital. This negative credit report has caused my personal credit score to decrease and has caused undue stress and XXXX. This credit collection company has violated the requirements of FDCPA and improperly placed this negative report on my credit report. They also responded to my letter where I advised them of this and provided the insurance policy number, with a balance due bill that they expected me to pay. The debt validation letter that was mailed requested their information regarding this debt and I was sent a bill for the debt. No account information was provided to me, current creditor XXXX XXXX XXXX, XXXX purchased this debt from XXXX XXXX XXXX XXXX XXXX and failed to research this or notify me ( my phone number is the same as XX/XX/XXXX ) prior to placing a negative mark on my credit report. This is an absolute direct violation of FDCPA 15 U.S.C. 1692 and 12 C.F.R. 1006.30 ( a ) ( 1 ) and Official Interpretation 30 ( a ) ( 1 ). Thank you!
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, 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 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 reporting or other personal consumer reports

The inaccuracies on my report has been weighing on me heavily that I no longer find the purpose to XXXX XXXX XXXX. My family suggests that I rely on XXXX to ease my overthinking, but I can not afford anything due to my downgrading credit scores- and its because of these accounts. It would mean a lot for you to remove these.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card accounts opened at ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX under the account number ( XXXX ), and the collections accounts opened at ; XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX with a balance of {$1000.00}, XXXX XXXX on XX/XX/XXXX XXXX appears related to the aforementioned personal credit card account opened at XXXX XXXX  and XXXX XXXX  on XX/XX/XXXX that appears coo the aforementioned personal credit card account opened at XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. Ido not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX, # XXXX and # XXXX, as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

My card was used fraudulently. I had called Vystar informed them I think my card may have been compromised I told them I moving everything to my savings so nothing in my checking. Instead of letting payments not go through Vystar decides to take the money from my checking account to cover the transaction that is not being made my me. I paid there {$5.00} for a new card disputed the payment of {$120.00} for chips sports which is a company I never bought from a day in my life. Just for them to recharge the payment to my account. I will be moving all my money out of Vystar account and no longer using there services.
Product: Mortgage

I am a XXXX year old woman trying to take care of myself with my properties and Shellpoint has taken advantage of me and is trying to steal my source of income from me! I am very concerned with the actions of this company, Shellpoint Mortgage ... I have a sale date in 2 days, XX/XX/XXXX, and my new documents have all been received but the underwriters continue to ask for silly things, like the date over each column on my Profit and Loss Statement isn't enough, it needs to be at the top of the page also and must read " XX/XX/XXXX to XX/XX/XXXX '' .... each column had the date written in this order but this bothered them. Many, many questions of clarifications like this yet the last review Shellpoint added 3 properties I didn't own, added mortgage amount that weren't correct etc. Dual tracking is alive and well with Shellpoint and their " new '' ( old really ) Trustee XXXX XXXX   who are really XXXX XXXX XXXX XXXX XXXX XXXX/ same crooked company that has been under many different names as they've been shut down!!! I've seen them all, XXXX, XXXX, etc ... .I know that my property qualifies for a modification as I have had 4 other modified yet Shellpoint  is XXXX bent on stealing my property in 2 days! As per their own calculations provided to me for qualification for their modification, I should be given a modification yet so far they tell me they are going through with the sale. This leads me to believe that they possibly don't own the loan or they would be interested in modification. I have many disputes unanswered including a qualified written request unanswered, yet they walk over these state and federal laws as well. I am asking that these Federal Agencies paid by taxpayers dollars hold these companies accountable to the law of the land and stop robbing the american homeowners ... .enough is enough! I am demanding that this sale date be cancelled and a rightful, qualified modification be issued along with the requested documents for review by my legal team. I have asked for an appointment to view the wet ink signed Note and Deed that they are claiming they have in their possession as legal standing to modify my loan and service it, i.e. the Assignments and Substitution of Trustee recorded documents, yet no valid documents nor appointments have been offered to date ....
Product: Credit reporting, credit repair services, or other personal consumer reports

Along with a copy of the Identity Theft Report, I have also enclosed copies of my Drivers License, Social Security Card, and Utility Bill for your reference. 
The law clearly states your Civil Liability under FCRA Section 616 & Section 617 in case you fail to comply with the Federal Law. Moreover, I intend to enforce my rights under the FCRA and to pursue rightful litigation in this matter should you fail to comply.
Product: Credit reporting or other personal consumer reports

The company XXXX refuses to provide proper documentation to validate the said debt. They have now appeared to have sold the debt to another company They continue to report inaccurate information to all XXXX credit agencies. The company refuses to send me original doumentation.
Product: Credit reporting or other personal consumer reports

My credit reports with XXXX XXXX, Experian and XXXX are showing names, addresses, and phone numbers that do not relate to me. I have one phone number, one address, and one name.

All of the inaccurate information is damaging the consistency of my credit report and causing issues. 

My only name is XXXX XXXX My only address is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX My only phone number is XXXX
Product: Mortgage

Amerimortgage sent out an agreement for a loan modification. The agreement was signed, notarized and returned in a XXXX  envelope they provided. First they denied receiving the agreement. When we located the tracking number and confirmed that it was received by someone from their office, we dialed again. we spoke to another representative she stated at first they didnt receive it but when we disclosed that we have the tracking number she changed her response and said it was received but denied because the signatures looked like they were stamped. A notary came to our home and logged the notarized documents. We believe theyre trying to charge us more fees and keep giving us the run around so that we pay more fees and default on our home.
Product: Checking or savings account

On XX/XX/2023. Errors by Chase Bank resulted in duplicated XXXX  Transactions to overdraw my account. A transaction was wrongly processed for {$2300.00}. As a result my account went negative. The bank confirmed this error was on their part. Because my account was overdrawn, I had no access to any of my funds in the account. It took 24 hours for the bank to reverse the transaction and return funds to my account. I communicated my dissatisfaction to the bank both while on the phone the day of the issue and via direct message on XXXX. No compensation for this improper removal of my funds was provided. There was little concern about the issue in the responses I got back from Chase. I don't understand how the bank can take my funds from my account without permission and not be held accountable or not have to provide compensation for this mistake.
Product: Debt collection

TRANSUNION Report # XXXX XXXX XXXX, is listing an Account with negative and derogatory information on my credit report, I am requesting the below listed account be deleted immediately! And removed from my credit report. And opt-out all together from reporting. 
Account number listed as XXXX ACCORDING TO 15 USC 1666 and its entirety IT IS UNLAWFUL TO REPORT LATE PAYMENTS The Fair Credit Reporting Act or 15 USC 1681 section 602 states There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Finally, 12 CFR 1016.7 A consumer may exercise the right to opt out at any time. I am opting out of your reporting services.