23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I refinanced thru Nationstar Mortgage Co . I closed last week and to start It off I had XXXX notaries call me to close and sign the papers. This means XXXX people got a hold of my personal information. Second I was never told I needed a certified check for the closing. I had to go to the bank the next day to wire money to the mortgage Co which my bank charged a fee of XXXX Third and the final straw was my next payment was not due till XXXX XXXX. And today I had my XXXX payment taken out of my old account that was closed out on Monday. I called Nationstar this am and they told me that it would take 30 days to refund my money because the old account was a FHA loan. I had nothing but headaches and lies from this mortgage co. Being a customer with them for the past 3 years and paying my mortgage on time this should not happen.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Experian about the following negative accounts ; 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 : {$14000.00} ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Debt collection

To whom it may concern, I XXXX XXXX are writing to you in reference to an account with XXXX XXXX whose collection agency is AFNI Inc is reporting a collection amount of a {$140.00} balance. This is not my bill and the name on the bill is not my name in which this agency is performing unfair practices, in which is reflecting a negative impact on my credit report. This debt also exceeds the statutory limit for the state of South Carolina, which is stated in section 15-3-530 of title 15/Civil Remedies and Procedures. This is also deemed unfair in conjunction with the Fair Credit Reporting Act ; 15 U.S.C.-1681 et seq that states : U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. I am asking that this matter be resolved and that this account be removed from XXXX, XXXX, and XXXX respectfully. Thank you in advance for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I DO NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THESE ALLEGED FRAUDULENT ACCOUNT. BLOCK AND REMOVE THEM 15 usc 1681c-2 Pursuant to the fair credit reporting act. I DID NOT MAKE THIS IN ERROR I AM THE CONSUMER AND I DID NOT RECEIVE AND GOODS AND SERVICES FROM THESE CONSUMER CREDIT TRANSACTIONS I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. Bankruptcy account has been removed from XXXX. which means it should be remove from transunion and experian now. I demand that you remove these public record from my credit file. It is a violation of my right to privacy Pursuant to 15 USC 1681a ( 4 ) and 15 USC 1681b of the Fair Credit Reporting Act. Ive attached the updated credit report which shows the public record removed from XXXX.
Product: Credit reporting or other personal consumer reports

Please remove these accounts as to they are hurting my report in my process of purchasing a home
Product: Mortgage

Lender is not honoring the amortization schedule I signed at settlement that shows PMI ending with my XXXX 2017 payment. Stating that I need to continue paying until XXXX 2017 at an additional cost of {$6900.00} ( $ XXXX/mo ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Technologies Did a hard credit pull on my account on XX/XX/XXXX. I have asked them several times to provide verified authorization of the hard inquiry. They have yet to produce the verification and they told me they will not remove it from my credit report i am a victim of inquiry issues. I call all 3 CRA  and they are not removing them after I have spoken to the cooperate office who stated it would be resolved on XX/XX/XXXX instead the hard inquiry is still there. Pls have these removed it is affecting my credit report and all the CRA do not care because it is better business for them if I have poor credit
Product: Credit reporting, credit repair services, or other personal consumer reports

Loan with XXXX XXXX XXXX XXXX is continuously being reported as a charge off account with an inaccurate fluctuating balance each month which has caused my credit score to fluctuate on average XXXX points up and then XXXX points back down for nearly five months. This account has resulted in two mortgage loan denials despite my otherwise excellent credit. 

I have previously disputed this account which was removed from one credit bureau but remained on my report with Transunion and XXXX. I have contacted XXXX XXXX XXXX XXXX directly to discuss this account to which they were very unprofessional, rude and questioned as to why I was requesting payment history on a loan I " clearly had no intentions to pay '' when all I was trying to do was validate the debt. 

I had contacted the company to request payment history as the balances being reported each month as a charge off are not accurate. The company has told me during two phone conversations that the account was charged off with a balance over {$2000.00} but then my credit report continues to show a balance of {$200.00} then increases to over {$2000.00} and then back to less than {$200.00}. Even after my two requests for payment history, I have yet to receive the information I requested. 

Still at this time, after multiple disputes and contacting the company directly, I have yet to receive appropriate resolution or even acknowledgement of their error and how their errors are impacting my life and well-being and I have yet to receive the requested information to validate the debt.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, XX/XX/XXXX and XX/XX/2024 I saw XXXX hard inquiries on my credit I didnt authorize. I was scammed by XXXX XXXX also known as XXXX XXXXXXXX XXXX on XXXX XXXX XXXX XXXX, Ohio XXXX. I met a man name XXXX XXXX XXXX that said he worked for the XXXX XXXXXXXX XXXX dealership. I told him I was going through XXXXXXXX XXXX my bank and he told me he wanted to just see what amount I would get pre approved for without running my credit. He said I would get a call from someone to verify I took my fraud alert off. He said it would just be a soft inquiry, so I remove the fraud alert temporarily to find out he misused and took advantage of me and ran my name with multiple people I didnt agree to. The car place XXXX XXXX XXXX said its not they problem take it up with XXXX but they appear on my credit illegally as well and I told them I never spoke to them to authorize this.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX XXXX regarding the deceptive practices related to their XXXX " high yield interest '' savings accounts. XXXX XXXX misrepresented the XXXX Savings account as having one of the nation 's highest interest rates, yet failed to notify accountholders about the superior rates offered by the XXXX XXXX XXXX account. This deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and the Truth in Savings Act. I seek redress for the misleading practices and failure to fulfill their advertised promises.
Product: Debt collection

the company at XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX Have attached themselves to my credit report stating i opened a account on XX/XX/2021 in XXXX, Texas, I never received a notice of approval, account number, nor merchandise from this company at the time in question there was and had been a freeze on my credit report for serveral years. i contact the company about this and upon contact they told me the acount was opened in XXXX, texas... I then immedialte informed the representative that ive never lived in texas i own my home and have lived in ti for over 20 years as well as there was and still is a freeze on my credit report. so the account couldn't be mine. and that i had never received any of there merchandise nor service at the time i found out they were on my credit report was second week of XXXX XXXX showing i was past due by {$400.00} and the all of a sudden out of the blue around the second week of XXXX XXXX i get a billing statement from swiss colony at my real present address. i contact the company again as well as XXXX about the matter, the agent at swiss colony told me they used public records to get my address, so again i asked them for the shipping address to where they sent merchandise in XXXX, texas or the address to where they had been sending statements before searching public records to obtain my address and i was told i could not have that information cause it was irrelevant. XXXX the account had been written off as bad and charge off on my credit. i filed a dispute with the credit agency and XXXX did nothing knowing very well i had a freeze on my account at the date of said account. i havent been able to get nothing resolved on neither end from the company nor XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX sending a complaint to you today to inform you that I was the victim of identity theft. I read up on how to eliminate the fraudulent items from my file and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to ELIMINATE these items listed on an id theft report. Please find the ATTACHED documents to assist in the withdrawing of the inaccurate pieces of information which were being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXX Balance : {$410.00} ; XXXX  XXXX Bankruptcy XXXX Liability : {$0.00} ; XXXX XXXX Date of inquiry : XX/XX/2020 XXXX XXXX XXXX Balance : {$430.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$130.00} XXXX XXXX Bankruptcy XXXX Liability : {$0.00} ; DEPT OF ED Date of inquiry XX/XX/2020 ; XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX  XXXX Balance : {$430.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$130.00} ; XXXXXXXX Date of inquiry XX/XX/2020 ; XXXX Date of inquiry XX/XX/2020 According to FCRA XXXXection 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Money transfer, virtual currency, or money service

XX/XX/22 Wire Transfer from Wells Fargo to XXXX XXXX  XXXX XXXX XXXX Beneficiary account number XXXX from Wells account XXXX for {$190000.00}. Wells is in the process of trying to recover the money but they did not try to verify the validity of the receiving entity. The person who did the transfer was XXXX years old and they did not take his age into consideration. They should not have approved the transaction. They have done a due diligence to at least call the wife who is co-owner who did not have knowledge of the transaction.Being a neighboring bank I used them for investments
Product: Mortgage

BSI Financial Services purchased our loan from XXXX XXXX XXXX. We were and are in an active Bankruptcy. For over a year, BSI Financial did not apply payments made to the loan, they put them in the escrow account. Since they did not apply payment correctly, they are charging interest and penalties on the loan that was paid. For 6 months we have been trying to work with the bank to get an accurate balance. We have had a lender that was willing to pay off the loan but BSI has been unable to get the payoff amount or balance due in 6 months. They are also continually reporting the loan incorrectly to the credit bureaus since they have not applied payments correctly. we have had a few discussions with our representatives and they always say they are working on it. Recently we have had update calls scheduled but they do not call. The person at BSI who says he is going to resolve the issues is XXXX XXXX. I believe the loan is now paid off, but they have fraudulently added more than is owed to the loan and are fraudulently collecting on a mortgage debt we no longer owe.
Product: Debt collection

ON XXXX XXXX MY EX HUSBAND AND I WENT TO XXXX AND JOINED A MEMBERSHIP WEBSITE WITH A COMPANY BY THE NAME OF XXXX. WE WERE TOLD THAT THIS MEMBERSHIP AT THE TIME COSTED {$2400.00} AND THE DOWN PAYMENT WOULD BE {$240.00}. ON OUR WAY HOME WE DECIDED TO WAIT BEFORE WE START DOING HOME IMPROVEMENTS ON OUR HOME. SO I CALLED THEM THE SAME DAY OR THE DAY AFTER AND TOLD THEM THAT WE WERE CANCELLING THE MEMBERSHIP AND TOLD THEM WHY. I'VE NEVER HEARD ANYTHING ELSE ABOUT THIS UNTIL XX/XX/2018 WHEN I RECEIVE A MESSAGE FROM XXXX XXXX  STATING THAT MY CREDIT SCORE HAS DROPPED DO TO A COLLECTIONS THAT HAS BEEN ADDED TO MY CREDIT. IT IS UNFAIR TO US TO HAVE TO PAY FOR SOMETHING WE NEVER USED. WE NEVER VISITED THEIR WEBSITE OR USED THEIR SERVICES FOR ANYTHING. I CONTACTED THE COLLECTION AGENCY OMEGA RMS THAT SAID WE OWE {$4100.00}. AND TOLD ME THAT THEY WERE HIRED TO COLLECT A DEBT AND TOLD ME TO CONTACT XXXX. I CONTACTED XXXX   AND STILL NOTHING HAPPENED THEY TOLD ME THAT BECAUSE WE SIGNED THE CONTRACT THIS IS OUR DEBT. I ASKED THEM TO PLEASE SEND ME A COPY OF THE CONTRACT AND HIGHLIGHT THE LINE THAT STATES WE CAN'T CHANGE OUR MIND. I COULD UNDERSTAND IF WE HAD WAITED 6 MONTHS OR EVEN A YEAR TO CALL AND CHANGE OUR MINDS BUT WE DIDN'T. I THINK WE CALLED EARLY ENOUGH TO NOT BE CHARGED.
Product: Debt collection

I have received several phone calls from Sunrise Credit Services Inc., located XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I received a call from a Customer Service Representative not sure of her name, but she was abrupt and rude. This representative stated that I owed over {$1400.00} for an XXXX XXXX XXXX XXXX and wanted to know if I had made any payments within the last few days. 
I said no and that I wants to dispute the bill and required validation of the alleged debt. 
The Representative then stated that she needed a reason for the dispute, and I replied that I do not have to provide her with a reason just that I dispute the debt and validation of the debt is requested/required. She then responded by saying " that is not how this works '' and terminated the call. 
I called back and asked to speak to a supervisor due to unprofessionalism. I spoke to a XXXX  or XXXX again the communication was not clear., I informed her of the previous call and asked for proper validation and while I was awaiting proper validation that all communication must cease and desist.

The Supervisor then mixed words and stated that if you are requesting a cease and desist, we can no longer send you or contact you with any information regarding this debt that you owe.

I said are you refusing to provide proper validation of this alleged debt, again the Supervisor stated that they can not communicate with me going forward since I requested a cease and desist, but I would have to contact them regarding this debt.

I again reinforced that I am asking for them to provide validation in the form of an itemized bill containing all information. I was told by Sunrise that I would have to request that information from XXXX XXXX XXXX that they can not provide that to me. 

It is my belief that Sunrise has violated my consumer rights to proper validation of an alleged debt, they are attempting to collecct.
Product: Debt collection

portfolio sued me and when we went to court i asked him and the judge to send me how i owed them they said they would send me and never did and then i got anther lawsuit from them for a def. amount ... about a week later i tried to contact them with no resalt i was confused on what was going on and was waiting for the paperwork from them and i never received anything until a day ago .... i missed my court date for the XXXX  XXXX and i thought it was the other date and i was wrong .so they put a lean on my house and i took XXXX mortgage on my house to pay them off just to clean up my credit they got payment on the XXXX of XXXX closed XXXX and not the other one and i got a garnishment of my paycheck so i called them and they said i owe them {$60.00}. more and i am done with the calls early in the XXXX before XXXX and XXXX and them trashing my credit after i tried saying the amount was wrong and it is and has never been right i have prof from the bank and what they wanted was way off that's been from the first day. Its not fair and now I'm still dealing with this.
Product: Credit card or prepaid card

After we got an email that we thought was a scammer/fraud. We reported it to capitol XXXX email as scam/fraud. Mailed a letter right away in XXXX. We have sent at least ten letters stating our position. What we did and why. They closed our credit card account we have had over twenty years. Stating in general generic letters different reasons. One is that we stopped communicating. What the heck. Over ten letters we send the scam/fraud email to address they have listed not to mention the letters. We stated we wont send info over email since it is not secure. We included in several letters info on generic letter stated they needed. So obviously it is sending letters since it is a repeat of our info. However they still wont reinstate our cards. Had no problems treating long time paying on time customers as if we did something wrong. So as you can see we wont trust them on generic letters sent or emails since that is what caused original issue. Now we are questioning our account in full and all charges. Since they are being very secretive and want info over non secure email and phone. So we need entire account checked from the being. Since they seem to be hiding something on an email sent to there fraud department.
Product: Checking or savings account

I open an account with Chase Bank on XX/XX/XXXX online. Ive been proceeded to transfer money out of my XXXX XXXX bank account because I am currently doing a credit consolidation program and I needed to change bank so that XXXX XXXX wouldnt pull money out of my savings account. Everything was fine until my account was locked and I had to appear in a branch and give them two forms of ID to verify that it was me who opened the account which I did with no problem I even made two cash deposits as well as two ACH transfers one through XXXX and one through XXXX XXXX itself. On XX/XX/XXXX. My online banking was locked and I had to call to verify my identity which I did in. My account was unlocked that Saturday my account was locked again, and I had to go to the branch and provide my identification which I did, and I was on the phone with The fraud department for almost an hour at the Chase banking account in XXXX Maryland when I got home later that night to try to check my online banking. I was once again locked out of my account so I called Chase XXXX XXXX customer service number to get a reason why they told me my account would be closed and I would be issued a letter with the reason stating, why within 10 days. I recently received that letter, and they said that it was a fraud suspicion. Since then I have been told by two separate Chase employees that the fraud investigation has concluded in that a check with all of my funds would be issued to me. Since then, I have been given the runaround by multiple Chase employees about how this investigation is going to go as well as updates on this investigation. Once again, I called them, and I was told 10 days ago, by representative that the investigation had concluded, and that they had placed the check in the mail. Today is now XX/XX/XXXX and I called Chase to get an update on Where that check is and I was told by the rep Im sorry I miss spoke because Im in training and it is still an active investigation going on no other information was given to me and because of this, I am now left in a financial bind. I just want to know all of my options to get my finances back so I can get my life in order. This has completely uprooted my life and has placed me further behind with my bills, including my Card note, rent car insurance, medical payments, as well as other life expenses. Upon doing research I found out that I can take this to a small claims court to get this process done faster but before I jump the bridge on that decision, I want to file a complaint to see if we can get this process done faster, and I can move on with my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

Called Equifax toDAY TO TRY TO RESOLVE A PROBLEM ON MY CREDIT REPORT ABOUT THEM REINSERTING A ( XXXX-charge off ) THAT THEY REMOVED AFTER A INVESTIGATION THEY DID TO REMOVE THE ITEM. 
RECENTLY I FOUND AN ITEM ON MY CREDIT REPORT THAT WAS RE-INSERTED INTO MY CREDIT FILE. YOU ARE REQUIRED TO NOTIFY ME WITHIN ( 5 ) FIVXXXX DAYS OF RE-INSERTING A PREVIOUSLY DELETED ITEM. I DID NOT RECIEVE ANY SUCH NOTIFICATION.. PLEASE DELETE THIS ITEM IMMEDIATELY ( XXXX-ChargeOff ). 
That account is associated with the fraudulent address they removed. I tried to explain that to the rep and he was very very rude and really did not care about what i had to say. I spoke to him XX/XX/2018 around XXXX Eastern time. Nobody needs to be rude to anyone when it is not called for. I think Equifax noted my account that allows them to be rude to me personaly
Product: Debt collection

Danco Financial is reporting the debt as an open account on my credit report but this account has been charged off and is reporting to my credit report inaccurately. Please investigate this matter. Thank you
Product: Credit card

I applied for a credit card through Chase. They said that I needed to send proof of my date of birth which I did 3 times ( they only had it on file 2 times ). They claimed that my drivers license was " illegible '' but when I called them they said that they were able to read it but were unable to reopen my application because it had been over 30 days since I contacted them even though I had sent my driver license for the third time which they claim they never received within the 30 day time frame. I ca n't reapply for the same bonus miles because the offer expired.
Product: Credit reporting, credit repair services, or other personal consumer reports

In previous months, I requested to CREDIT BUREAUS to update the inaccurate accounts which another credit reporting agency found to be inaccurate and had corrected. Due to lack of response which I classify as frivolous, CREDIT BUREAUS have dishonored FCRA regulations and my request for verification. If they wish to correct this dishonor, I will give them one more chance to correct their errors and FIX my records. Please update the following accounts, DEPTEDXXXX XXXX Balance {$2000.00} and DEPTEDXXXX XXXXXXXX Balance {$4500.00} which Experian, XXXX and XXXX have XXXX to provide proper verification and another bureau has found to be inaccurate. CREDIT BUREAUS have 30 days to FIX the accounts listed.
Product: Debt collection

Company refuses to comply with the FCRA laws. Company is harassing and continullay sending communications over and over again.