23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I had a mortgage with a bank where I was experiences mistakes in handling of my escroe things. I have filed a complaint here about that and the bank just continued it until it was closed with no resolution. I found a bank that would refi, did so and did much better however again with escroe- the old bank after being paid in full, notated account paid in full, XXXX balance for almost 2 weeks responded to my inquiry about returning to me my escroe balance which was XXXX, sent me a confirmation message that the XXXX would be sent in 15 days. So I waited and when not receiving it I contacted them again. This time they balance had changed and they show a lesser amount being sent to me while maintaining XXXX dollars on the account which is still open. I inquired about why they kept the XXXX and they say for the PMI which was paid in arrears. I have batted this back and forth with messages to them which is no different than I had to do when they made mistakes in my escroe before. They tell me I owe XXXX for a PMI payment although the last PMI payment was posted XXXX the pay off XXXX showing all was paid the account shows paid in full in capital letter and XXXX balance. Yet with nothing showing to be owed on the account they kept XXXX and by the way XXXX was the PMI payment not XXXX. The PMI does not renew until XXXX and is paid yearly not monthly so I do not understand how they can charge me anything when the account clearly shows paid in full, XXXX balance and that my PMI posted in XXXX was paid in the settlement. Even today this morning of XXXX/XXXX/2016 there is a credit escroe balance of what they kept, the account does not appear closed yet shows paid in full with this credit. You can tell me I owe something until the cows come home but if the account shows paid in full XXXX balance how can you keep any of my funds? This is just one of many problems I have had with Wells Fargo Mortgage. Its just not right and they should not be allowed to just do things with peoples money especially when their own records indicate no evidence for their actions. I have refinanced with another company and was treated much better but its not fair to take someones money without being able to show you owe it.
Product: Money transfer, virtual currency, or money service

I had a client authorize and send a wire transfer on XX/XX/25 to my found banking app that is a XXXX, that was cleared and made available on XX/XX/25, it was cleared on my account and then for some reason my account was frozen and the found company is claiming at first it was due to fraudulent alert, then they said it was a return request. They have no given me documentation I asked for. My client willingly authorized the wire transfer and is for a job we are doing for the client. The XXXX XXXX XXXX XXXX is the main company that handles and found is the XXXX  XXXX  that my account is with. I have reached out to both companies to find out whats going on and no one gave me answers. I have all supporting client contracts and emails to prove it was authorized and even if the client wanted to request a return then that would be illegal as that is money that is due on a signed contract. I want my account and my funds unfrozen it was a wire transfer that is legally my property after being cleared on my account.
Product: Prepaid card

I received a notification through email XXXX XXXX, 2016, stating XXXX charges had been applied to my account {$23.00} at XXXX in XXXX Oh and {$51.00} at XXXX ' in Delaware as I 'm at home with my card in hand. I immediately contacted the merchants to advise them of the charges while I 'm sitting at home with my card, I was advised to contact my financial institution to dispute the unauthorized transactions. After speaking with the merchants I immediately contacted my financial institution Rushcard to advise them of the charges and were not made by myself, that I have never been to XXXX anywhere let alone in XXXX when I reside in XXXX nor have been to XXXX Oh, I requested to cancel my card and issue another and requested a refund. I was advised that they would conduct an investigation and would be about 90 days before I would receive and answer. In the meantime, I was no longer receiving emails nor text alerts until I made a complaint with the XXXX I then began to receive emails and text alerts again. On today XXXX XXXX, 2016, I received a final determination letter from Rushcard stating no error had occurred and they will not refund the unauthorized charges and that I could request a COPY OF THE DOCUMENTS THAT THEY USED IN THEIR INVESTIGATION TO MAKE THEIR DETERMINATION. I contacted Rushcard immediately to request the documents, I was advised by a representative that there was no such document, I read the letter to the representative and asked to speak with a Supervisor or Manger of the dispute department, I was placed on hold, someone picked up then hung up. I called back and spoke with another representative named XXXX, I explained the nature of my call and again requested to speak with a Supervisor or manger, instead of getting Supervisor/manger the representative said she had someone from the help desk with her and will request the document they used to make their decision sent to my email in an hour. I 've received nothing.
Product: Debt collection

I have a collection for a medical debt from TRANSWORLD SYSTEMS INC on my credit report that originally appeared in XX/XX/XXXX. They have never attempted to contact me in regards to this debt, yet it continues to accrue interest. I have attempted to call them a few times over the last year or so, but never was able to reach anyone. 

I filed a dispute with the various credit agencies last year ( XXXX ), and it was removed from two of the agencies. However, XXXX  sent a validation request to TRANSWORLD SYSTEMS INC to confirm the debt. I received something in the mail, but it did not contain any account information or any other information about how to resolve the debt, only that the debt existed. 

To this day I still have not received any communication from TRANSWORLD SYSTEMS INC. I have not received anything in the mail, and I have not received any phone calls or voicemails from TRANSWORLD SYSTEMS INC. 

It seems very shady to place a collection on someone's credit file, but then not contact them so that the debt continues to accrue interest.
Product: Credit card

Barclays Bank had me on a payment plan that ended, and when it did I had a significant increase in medical bills that made it even more difficult to meet monthly payments. I missed one month and they dropped the payment plan and refused to work with me on creating a new one, and increased my minimum payment from {$220.00} to nearly {$1000.00}, which is impossible for me to pay with thousands of dollars of medical costs. I called every month to try to work with them and was told " there is nothing we can do until you pay ''. I was now sent to collections for a XXXX XXXX  that I can not pay. I also have a {$220.00} scheduled payment through Barclays that I can not cancel online and the call representative told me to talk to XXXXXXXX XXXX XXXX XXXX XXXX even though the payment is scheduled through Barclays. It is very upsetting to be sent to collections despite being in constant contact with them and telling them that I am struggling financially. Also, they called constantly and I answered every time but the line dropped. I want to be able to pay my debt, I just need patience getting there and they were not willing to work with me at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX : {$1200.00} ; CHILD SUPPORT XXXX XXXX XXXXXXXX XXXX XXXX {$50.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$790.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This company keeps checking my credit with a hard inquiry when I have not authorized them or gave them any kind of consent to check my credit. The hard inquiries drop my credit score every time they check it. The company is : Love Beal & Nixon XXXX XXXX XXXX. 
XXXX XXXX, OK XXXX XXXX XXXX XXXX XXXX They checked my credit on XX/XX/XXXX and again on XX/XX/XXXX. This is illegal and as a consumer, I have rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've been trying to submit complaint about some accounts are my credit report. For some reason it 's like the credit bureaus are not taking my disputes serious at this point. I 've spoken to a consumer right 's attorney and he 's telling me i have a case against the credit bureaus. I 've decided to submit complaints before taking that step. 

The following accounts are incorrect XXXX XXXX # XXXX This account is inaccurate. Please verify this account to make sure that EVERYTHING is reporting correctly. 

Office Of The XXXX XXXX # XXXX This account is reporting inaccurate. The balance is incorrect. If you do VERIFY this account please provide me with the steps you used to verify it. Who did you speak with, time and date or Please remove this account. 

XXXX # XXXX I have NEVER been late. Clearly this company has made a mistake. Please remove. 

XXXX Credit Card Clearly this company has made a mistake. I never asked to be an authorized user on this account. 

I know that mistakes happen but it should not happen at my credit 's expense.
Product: Mortgage

I submitted for a loan modification. My income is almost XXXX per month. Rushmore loan management which is now called XXXX XXXX decided to change my income to under XXXX per month and denied my modification stating my income was not enough. I sent 3 months bank statements and a profit and loss which proved my income. They gave me no reason for the reason of the income change. I have equity in my home and I never had a modification before. There is no reason they should be denying this when I have the ability to pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Inquiry : XXXX XXXX, 2020 Unauthrized Inquiry on my Credit report
Product: Credit reporting or other personal consumer reports

XXXX XXXXAmerican Financial Network ( AFN ) is notorious and has serially falsely reported hundreds of thousands of mortgages as having late payments and refuses to fix falsely reported late payments related to covid and loan modifications with deferments in particular. This company is arrogant and plays with the financial well-being of others and should be shut down by XXXX because they receive government insurance and their incompetence in falsely reporting late payments has an adverse effect on the economy as well. 

XXXX is also a semi government agency that needs to be chopped or massively overhauled by XXXX which I work with as they are arrogant, inefficient, and incompetent. They can fix the falsely reporting lates or I will unleash a maniacal war against them they won't believe. XXXX XXXX XXXX!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an email from Experian saying I was a match for one credit card, 98 % match for another card, and 85 % match for another card. Had I not received baiting emails I would not have applied. I was declined for both, resulting in two inquiries that reduced my almost XXXX score ( XXXX according to Experian. I would like Experian to contact both companies and have the inquiries removed and remove me from there email list. I spoke with a Will at Experian who doesn't know who the CEO is and does not believe I would not have applied without being enticed by their bogus emails. the CEO is XXXX XXXX i am a reasonably intelligent individual. I am well aware that you " do not grant or deny credit. '' What you and Will fail to hear and or understand is your email ENTICE, TEMPT, LURE, INVITE, XXXX, AND COAX people who are have a great ordinary day before receiving your email that they somehow qualify for something that before your email they had no plans to apply.
Product: Credit reporting or other personal consumer reports

i have an account from XXXX ending in # XXXX that is not shown up on my consumer report ive sent in all theto the said credit reporting agency. 


THE FAIR CREDIT REPORTING ACT 623. 
responsibilities of furnisher of information to consumer reporting agencies 68 Duty of furnishers of information to provide accurate information ( 2 ) duty to correct and update information. A person who regularly and in the ordinary course of business furnishes information to one or more consumer reporting agencies about the persons transactions or experiences with any consumer and ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and Experian Information Solutions INC. because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. 
They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. 
My credit report is still reporting an account for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
This has caused me tremendous anxiety, stress, and financial hardship.
Product: Credit reporting or other personal consumer reports

I have provided the company with proof that I paid the loan off. It was a {$35000.00} loan. I paid it on time every month. I have provided the bank with proof I made the last payment. It is saying I missed the last payment. Why would I pay the entire loan down and then mess it all up by not making the last payment? It was with XXXX that then turned to XXXX and now it is XXXX. It has changed two times and no one will respond to me XXXX. They told me there is nothing they can do about it. I received this response from XXXX when I tried to have them fix it. 

The amounts that are provided by XXXX as money owed and money paid do not match the emails I provided that are from XXXX, proving that the information no matter what is in error yet they have refused to change it. 

" We are unable to assist you directly here at XXXX as we do not have the loan any longer. The loan is now with XXXX Bank XXXX Department. '' When I tried to speak with XXXX they refused to speak with me any other way than on the phone. It is my understanding that they violated the ADA by demanding that I only be permitted to communicate with them by phone to have my credit report fixed.
Product: Credit card or prepaid card

Cabela 's club ( Capital one ) sent me an email to pay on a card I don't have and never open in my name. 
Its a fradulent card ending in XXXX ... NEVER ... .applied or used. Stating I am two months behind {$100.00}. I have no idea who opened this account.
Product: Debt collection

I am unaware of this debt from XXXX in the amount of {$9700.00} on XX/XX/XXXX. I was not given the opportunity to dispute this information prior to placing it on my credit report. If you believe I was given proper notification, please provide the certified mail receipt with my signature on it. If you aren't able to provide that please remove this from my credit report immediately. I sent a letter to XXXX via certified mail. It was delivered on XX/XX/XXXX and I received no response. You have violated my rights by not responding to my request to give me the option to dispute this.
Product: Credit card or prepaid card

On XX/XX/2023, Social Security deposited a check in the amount of {$16000.00} in my XXXX ( XXXX XXXX  XXXX  ) account. The bank that handles this is US Bank in XXXX XXXX, MN. I set up a checking and savings account independently with XXXX  XXXX XXXX  this institution, who, at my direction, initiated a bank-to-bank transfer of {$10000.00} from my XXXXXXXX XXXX XXXX to my newly established XXXX  XXXX checking and savings account. XXXX XXXX was instructed to deposit a certain amount in checking and the balance in savings. On or about XX/XX/2023 this transaction occurred and was executed. XXXX XXXX XXXX card and US Bank reversed the transfer and failed to complete the transfer as directed by me. 

I have called XXXX XXXX XXXX at XXXX and am told that there is no mechanism for me to move my money from their institution to my new bank. When I call US Bank, they have no record of my account with XXXX XXXX  even though I have been receiving statements for the past XXXX  years with their bank name in the heading. I have been told my attempt to transfer these funds are the subject of a fraud investigation. No CSR at this number or their supervisors can assist me in giving me the XXXX money I worked decades for. I have talked to first-level CSRs, their immediate supervisors, and a resolution specialist and none of them appear to have the ability to release my funds. As a result, my new XXXX  XXXX account now has a restriction on it jeopardizing access to deposits of future Social Security payments and any other funds deposited to my new XXXX  XXXX Account. 

There is no publicly posted method to execute any bank-to-bank transfer, the phone number listed on their website at https : XXXX  listed as the phone number of U.S. Bank really was to XXXX XXXX XXXX There is no process to file a complaint about poor or non-existing service on that website, and no method of moving money except to another XXXX XXXX. None of the people you talk to are able to solve this problem I am seeking to have my money removed from XXXX XXXX and put into the account of my choice immediately at XXXX XXXX XXXX. Please let me know what documents you require of me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to apply for some furniture for my new son and I was denied. I then went to another furniture store that offered secondary leasing and was denied again. My mom advised me to pull my credit and come to see there are items are there that are not mine. Please remove these items from my credit. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX.
Product: Debt collection

I have told comenity bank to quit calling me numerous times the last being XX/XX/XXXX at XXXX XXXX. They have called numberous times from several different numbers and have left messages that if I do not call back they will seek legal action. they have also tracked down my ex wifes number ( never on the loan or account ) and supplied her with financial information. this bank never sent me an account number, credit card, or even statements to pay. I have attempted to contact them back multiple times to reach a settlement and I am always transferred to a " automated voice messaging system ''
Product: Debt collection

Called to ask me to take care of my debt. I told them I could do it in 4 payments over 4 months. They refused to work with me even though my debt was XXXX  related
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint against TransUnion for their failure to properly address my dispute regarding inaccurate items on my credit report. 
On XX/XX/year>, I mailed a dispute letter to TransUnion via USPS certified mail ( tracking # XXXX XXXX XXXX XXXX XXXX XXXX ), requesting an investigation into inaccurate items on my report. In addition to disputing incorrect personal information listed on my credit report, I included a copy of my photo ID, social security card, and a recent bill with my current address to help TransUnion verify my identity and address. 
However, I received a response from TransUnion dated XX/XX/year>, stating the following : We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. 
According to the Fair Credit Reporting Act ( FCRA ), if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. 
It appears that TransUnion has violated my consumer rights by not conducting a reasonable investigation upon receipt of my dispute, which they are required to do in accordance with the FCRA. 
I am including a copy of my dispute letter sent to TransUnion, USPS-certified mail proof of delivery, along with TransUnions response as proof.
Product: Vehicle loan or lease

I refinanced my car on XX/XX/22 with capital one and the date is now XX/XX/22 and they still have not received the lien release from XXXX  the last bank i had the loan with. When i called XXXX  they said they sent everything to capital one on XX/XX/22 and capital one said they never received it and never tried to get it again till the end of XXXX which is way too long and i have asked to be compensated and capital one told me they wouldnt do anything cause its the other banks problem