23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft. XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

misleaded my minimum payment amount from the very beginning! The company has audio recordings of my conversations where I asked to changed the minimum payment balance and they did say it has reduced. BUT now they are acting as if that conversation never happened. 

now they refuse to speak to me when I confronted them about this. They even admitted that it was their mistake and profusely apologized. I asked to speak to their senior manager and they told me to wait and apparently hung my line. 

Now they don't pick up. they put my number on a XXXX list. I have not seen this level of scamming and arrogance in any lending company that operates in the USA.
Product: Mortgage

I am writing to formally lodge a complaint against Shellpoint Mortgage Servicing regarding my Home Equity Line of Credit ( HELOC ) account. Despite fully paying off the loan and multiple requests to close the account, Shellpoint Mortgage Servicing has failed to do so and has withdrawn unauthorized funds from my account. I am seeking your assistance in resolving this matter promptly. 

Here are the key details of the situation : On XX/XX/year>, my escrow company faxed Shellpoint Mortgage Servicing a letter requesting a payoff letter, asking for my HELOC account to be frozen, and requesting the account to be closed upon payment. I was in the process of selling my home and needed to payoff the HELOC. 

On XX/XX/year>, my escrow company wired the full payoff amount of {$140000.00} to Shellpoint Mortgage Servicing, which settled the outstanding balance of my HELOC account in full. 

On XX/XX/year>, I contacted Shellpoint 's customer service to address an issue, as my account still reflected a balance of {$0.00}. The customer service representative assured me that my account would be closed and my auto-pay settings would be canceled. 

On XX/XX/year>, despite my account being fully paid off, my checking account was debited {$1400.00} from my HELOC account in error. This was an unauthorized transaction. 

On XX/XX/year>, I sent a second fax and email, requesting again that my account be closed and that the incorrect payment of {$1400.00} be refunded. I was told that my request would be escalated and that the account would be closed, and the funds returned by XX/XX/year>. 

I followed up on XX/XX/year>, and was assured that my account would be closed, with priority handling. I was informed that this could take XXXX hours. 

On XX/XX/year> and XX/XX/year> I contacted Shellpoint again, but as of today, my HELOC account remains open, and no refund of the overpaid funds has been processed. 

Given the repeated assurances from Shellpoint Mortgage Servicing and the lack of action to close my account and refund the overpaid amount, I am deeply concerned about their handling of my case.
Product: Mortgage

I need assistance to verify why my escrow account has XXXX balance. I was sent notification XXXX to send in funds for escrow since balance was XXXX. I sent in {$670.00} to cover this. After reviewing my statements there is no explanation for why my escrow balance is XXXX. I start with balance of {$1400.00} XXXX this year. I do understand taxes and insurance increased. However the amounts increased from insurance and property tax does not match what they are charging. Also all the funds in escrow have disappeared. I have never been late on any payments. My mortgage was brought out from them years ago and I have been having issues ever since. Need a real analysis as I feel my escrow account has been drained for years from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found a error on my credit report months back from a company I've never heard of or never done any business with I've never had a loan anywhere with anybody and I don't have any credit so use Experian to check my credit report and this is where I saw the era I disputed this with them as many times as they would let me I'm not certain how many times that was but they won't let me dispute it anymore I've done it so many times they refuse to listen to me at all and are listening to this fraudulent company named XXXX  that has somehow stole my information and created a bogus account in my name saying I owe them {$20.00} it's literally ridiculous and been the worst nightmare I've ever had to deal with considering Experian would not assist me in any way I contacted directly the company after finding them I had no idea who they even were to look up and took me a minute to find them and they are very fraudulent they are they gave me the runaround basically and they have asked for all of my personal information again like I would give it to them considering they stole it to begin with and wanted me to file a fake police report that I did not need to file it's just been an absolute disaster but I hold Experian responsible for going along with a fraudulent company and backing them up and letting them mess up my credit report for something that they know nothing about these people can not give me any confirmation or information of me signing anything with them reason being they don't have it Experian does not care they are still backing this company and I think that it's the most horrible thing I've ever witnessed that this is allowed and they need to be stopped
Product: Checking or savings account

Wells Fargo would charge NSF fees every 2-3 days days and would cause my acct to be negative. I would call and try to discuss the situation and they wouldnt remove the charges. This led to my overdraft and negative account. The end result was that I couldnt pay fees and they closed my checking and savings account. Now Im I. Collection
Product: Debt collection

XX/XX/XXXX I attempted to start working on and fixing my credit. Upon receiving my credit report I see that I have XXXX Collections. One for XXXX XXXX Said amount owed is {$620.00}. I have disputed this, because dates are incorrect, I have contacted them numerous times within the last month and I have not recieved one single response from them. I attempted to tell them I would like to settle my debt in payments only request was that they update my report. No response. The other is RMP LLC Collections. Said amount owed is {$1300.00}. I have also disputed this because dates are incorrect. No luck. I have contacted them numerous times through email attempting to settle thus debt in payments as well. No response. XX/XX/XXXX I attempted to reach out by phone call. Upon getting a person on the line to speak to ( who was extremely rude! ) I find the name is incorrect and the amount is incorrect. They said the amount was {$4000.00} and something. Not exactly sure but I know I heard {$4000.00}. Upon asking to recieve a debt verification letter she replied " I have no idea what that is ''. I have been reaching out to both of these companies for over 3 months now and not a single person has attempted to contact or work with me. And upon finding out that there is A LOT of misinformation on these debts I felt disputing would be the right call. Both of my disputes where denied. I just don't understand how they get away with this XXXX on people. And how they can just ignore you and be beyond rude. Also not contact you when you reach out not 1, not 2 but at least 5 times..! I've been looking up what I can do about this and came across your site. I really hope you can help with this. I've been trying to work with this guys for at least 6 months and not only did I not get any help or even a response, I have not gotten a single thing accomplished with them. I am beyond upset. I'm infuriated to no end. It has caused problems in my home with my family and spouse. Please please help me! Thank you!!
Product: Credit card or prepaid card

I had a American Express Corporate credit card with my past employer XXXX. I had the card for 3 months and always paid the bill in time Just before leaving XXXX - I had booked a business trip which finally I did NOT end up taking, the Airline had a non-refundable ticket which even after being cancelled showed up as a charge on my statement I was contacted by American express and was asked to contact XXXX XXXX at XXXX who will help me file a expense report. I contacted this person 4 times and left detailed voicemail -- I did NOT get any response back American express is now harassing me by calling my cell number, sending updated bill with penalty charges every week I had explained to American express customer service agents multiple-times that this is NOT a bill am willing to pay - since i did NOT avail the flight services for which the charge is shown on the credit card The attached statements show the frequency & threats of the collection mails and harassment by American express
Product: Credit reporting, credit repair services, or other personal consumer reports

the information from XXXX XXXX XXXX XXXX  XXXX  does not belong to me someone used my social security number and photo id to open this fraudulent lease in my name i am victim of identity theft I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA & # XXXX ; XXXX On XX/XX/2020, I mailed XXXX, XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit card or prepaid card

My wife and I opened a capital one Venture card about 6 months ago and capital one abruptly and unexpectedly locked our account because they said they needed verification of my ownership of the account I pay the credit card from. I reached out to my local bank ( XXXX ) and was advised that I should not send them an account statement due to capital one 's recent data breeches as well as it just being a generally stupid idea to send sensitive account information over the internet. Capital one then suggested that they speak with XXXX directly which they did twice on two different occasions with 2 independent employees. Capital one said this should be all they needed, however I was informed 2 weeks later that this was not sufficient and that I still needed to send a statement to verify my account. Then I sent a document prepared by my bank that confirmed ownership of the account which included transaction numbers dates of payments ect. Capital one stated that this too should be sufficient but To date, I can not close my account or make any changes to it because my account remains blocked. Capital one is completely resistant to helping get this issue resolved as it seems they are intent on keeping me hostage with an account I can not use or close.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX account doesn't belong to me.. Transunion report it multiple times on my credit report which makes it worse ... I disputed the accounts with Transunion for several attempts to no resolution..They did not give me evidence or verification as to why they will not remove the account. All government funded student loans should not be reported on a credit report, this is a clear violation of the FCRA..IThe error is preventing me from obtaining credit. CFPB please step up and delete this ASAP
Product: Vehicle loan or lease

I was having a hard time making my payments on my car after COVID-19 started. I worked at XXXX XXXX  at the time. My hours at work got reduced from 40 hours a week to 15-20 hours a week depending on the amount of work that was needing to be done. I contacted Credit Acceptance Corp. and asked if I could defer my payments until my work hours picked back up. I was informed that I should not have bought a vehicle that I could not pay the loan on. I am aware that no one could have predicted that COVID-19 was going to happen or that my hours at work would be cut in half. I tried to explain to the guy I talked to on the phone that my hours were only going to be like this for a few weeks, maybe a month. The guy informed me that I could pay the payment late, but that there would be a late charge and he would not be responsible if my car got repossessed. I got behind in my payments, because my hours at work were cut in half for over a month and a half. I once again contacted Credit Acceptance Corp. I asked if there was a way to refinance my loan and see if my payments would go down so I could afford to keep my vehicle. I was told that they would not refinance my loan and that that was something that their company did not do. I tried refinancing my loan through several different loan companies as well to see if maybe I could switch companies and have someone easier to work with. No lender that I contacted would touch my loan or refinance me, because my loan was through Credit Acceptance Corp. In XXXX of XXXX my grandmother passed away. I was her POA and had to take time off of work to deal with legal things for her and plan her funeral. I then got even further behind on my loan since I had to take time off work for her funeral and planning and legal things pertaining to her passing. I tried in XXXX of XXXX  to trade my vehicle in on a different vehicle. I was informed by the dealership that I could not trade my vehicle in, because of it having a loan through Credit Acceptance Corp. I then gave up on trying to pay for the vehicle and called Credit Acceptance Corp. I asked again if they would work with me on my late payments. I was told no and that they were going to repossess my car. I informed them the address and time the car would be parked at my house for them to come and take it. I voluntarily chose to surrender my car for repossession. I was given no other choice at that time. I am now being sued by XXXX XXXX XXXX for not paying off my loan. They sold the vehicle at auction and did not get close to the loan pay off price of the vehicle. They are now telling me that I have to pay the remaining balance on the loan, which I feel is wrong. It was never my intention to default on my loan and have to give my car up for repossession. I was not in control of my hours being cut at work and COVID-19 happening and changing my financial situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Timeline ( 1 ) I leased XXXX XXXX XXXX for two years starting on XX/XX/XXXX and enrolled auto payment since then. 
( 2 ) I extended the lease for another 3 months before the first lease expired ( 3 ) I called XXXX  on  XX/XX/XXXX to check if my bank account has been setup to pay the extended lease. And I got confirmation from the XXXX  agent, telling me everything was setup. Note that I had granted XXXX  to get money from my checking account and it had sufficient information from my side to do that.

( 4 ) But later I found there was a past-due posted on my account and I contacted XXXX  to resolve the problem. And again I got confirmation from the corresponding agent, telling me my account was setup but still they didnt draw money from my checking account due to their mistake until XX/XX/XXXX. 
( 5 ) Before XXXX reported the past-due record on my credit report, I didnt receive any message in either email or call about this issue. 
( 6 ) In XX/XX/XXXX, I found my credit score has been ruined by XXXX  mistake. I contacted XXXX  on XX/XX/XXXX to resolve the issue. The agent promised me to send out the result which I havent received ( 6 ) In XX/XX/XXXX, I contacted XXXX  again for the update of the result. The agent told me XXXX  decided not to remove that past-due record. To prepare evidence for future usage, I told that agent I also recorded our bilateral phone call as XXXX   did. The agent demanded me to stop and brutally shutdown the call when I asked why. 
( 7 ) Since XXXX  refused to resolve the issue, I filed a complaint in XXXX  and received XXXX  response on XX/XX/XXXX, which still refused to correct their mistake. In addition, they cited the Fair Credit Reporting Act to justify their misbehaviour, which is against the spirit of this Act since it does NOT grant the credit agent like XXXX  to ruin a persons credit score and refused to correct their error. 

The XXXX  misbehaviours ( 1 ) I got confirmations from XXXX  agents multiple times ( XX/XX/XXXX and XX/XX/XXXX )  about my account was setup to pay the lease. Note that the bank account is exactly the same as the original lease. 
( 2 ) XX/XX/XXXXgot sufficient permission to draw money from it for the payment but it didnt. Even though I called them multiple time to resolve the issue. If XX/XX/XXXXhad trouble in drawing money, how could they did it on XX/XX/XXXX. Note that I didnt provide any additional information to them during that period. 
( 3 ) XX/XX/XXXXreported the past-due item to my credit report without contacting me to solving the problem first.

( 4 ) XX/XX/XXXXrefused to correct their mistake on my report ( 5 ) XX/XX/XXXX refused my call brutally to resolve the problem.
Product: Credit reporting or other personal consumer reports

Request for Security Freeze on Credit Report Dear Sir/Maam : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 
My personal information is as follows : Full Name : XXXX XXXX XXXX Date of Birth : Date of Birth : XX/XX/1995 Social Security Number : SS # : XXXX Current Address : XXXX XXXX XXXX XXXX XXXX, California XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 
Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

I received a " Collection Notice '' from IC Systems ( who I'm sure you are familiar with by now ) trying to collect a balance of {$6600.00}, listing XXXX XXXX as the creditor. 

I have never been a XXXX XXXX customer ( I have always been an XXXX XXXX XXXX customer ) and never had an account, therefore I immediately knew this was a fraudulent notice. 

It is likely that IC System obtained my mailing address due to a recent online loan application I filed in order to refinance my home. ( I received other false pieces of communication from multiple companies requesting information following this online application. ) As a XXXX  of XXXX and XXXX at the XXXX  XXXX XXXX XXXX, I am well aware of these types of predatory practices. Yet, after a few XXXX searches on IC System it appears this company has been wreaking havoc on people for years. I was absolutely appalled to read through the discussion forums and posts from individuals who have shared their personal experiences trying to work with this company. I'm sure many of them, in reality, had no debt and were victims of vague language, and fear-based, predatory practices to coerce them to divulge personal information and payment. Many noted they paid their debts directly, assuming their debt was legitimate. When IC Systems lists creditors as companies like XXXX or XXXX, I'm sure the percentage of people who actually had those accounts in the past is very high ( and therefore they would be inclined to pay to protect their credit ). The companies uses scare tactics and preys on uneducated consumers who don't understand their rights or these scam marketing tactics. 

This is a clear violation of consumer rights under the Fair Debt Collection Practices Act ( FDCPA ), which prohibits debt collectors from using unfair or deceptive practices to collect from consumers.
Product: Debt collection

I have been fighting identity theft since XX/XX/2016. My credit score is all messed up. Accounts are being opened under me fraudulently. And I have a lot of medical bills ... been sick for many years. I am not able to work right now and I have no money to pay the hospital bills .... and bc of all the collections, I am suffering sooooo bad STILL and Im only XXXX. 

I have never lived in the apartments your company is collecting for. So please work this me! Yall are trying to collect {$8000.00}. I dont have a single dollar to my name right now and I cant even get a small loan to pay a bill because your company is trying to COLLECT {$8000.00} FOR SOMETHING I AM NOT RESPONSIBLE FOR
Product: Checking or savings account

On XX/XX/2021, Wells Fargo sent 5 emails with confirmation codes to set up and confirm a new account under MY NAME and EMAIL ADDRESS. A 6th email followed with a notification that the email address had been changed. Made a report to both Wells Fargo concerning the fraudulent creation of an account under my name. They required my SSN to preclude any creation of further accounts and provide a report 6 weeks later on their investigation.

I was able to prove that my email account had not been accessed from any other devices. Also, the first 5 emails all had the identical timestamp. None of the emails required verification codes to be entered at the website. It seemed like the initial steps were automated and then moved to a new email address about 10 minutes later. 

On XX/XX/2021, my credit reports were alerting the creation of new accounts at Wells Fargo. 

An online search indicates others are experiencing the same problem- see XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past two years, I have been denied credit due to what was reported to the companies for which I applied too, and the information on my credit report ( once I received it ) wasn't what the companies reported was given to them by the credit agencies. The Credit reports came from XXXX and Experian, but there was not form to resubmit to the credit reporting agencies to inform them of what was occurring with the incorrect information. However, since that time I've been recently denied credit again, althought ; since the denial I've had unpaid hospital bills due to being put into a unpaid status unjustly at my place of employment, which probably has lead to negative issues on my report after XX/XX/2019! However, my credit score took a 100 point dive for some unknown reason prior to my unpaid medical issues recently! Nevertheless, I did receive a settlement notice from one of the credit reporting agencies that my credit information may have been compromised, which I suspect that it has been compromised with both of the agencies by the issues that I've been having over the years with my credit, after having Excellent credit for many years!!!
Product: Consumer Loan

On XX/XX/XXXX I my boyfriend at the time was put into XXXX on a XXXX. the next day I took all the actions to calling all of my credit cards and bank accounts to take him off of the accounts. I removed his name from my Discover Card and the following day he used the Discover Card to XXXX himself out of XXXX for {$10000.00}. Only to go back to XXXX the next day and is still in there. When he charged the card I called Discover and disputed the charge since he was no longer an authorized user. On XX/XX/XXXX I received an email from Discover saying that the charge was a valid charge and that there is nothing else I can do but to pay it. I 'm still trying to dispute it since he was not authorized to use the card.