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

On XX/XX/2015 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.
Product: Credit reporting or other personal consumer reports

Back on XX/XX/2024 I look at my report and noticed somethings are incomplete or inaccurate and according to the credit reporting act when ever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates to this account of XXXX XXXX XXXX and XXXX XXXX XXXX XXXX credit union all three are not complete is not complete or accurate
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I went into XXXX XXXX Car dealer in XXXX XXXX, Alabama to inquire about leasing a Jeep, after lengthy conversation With salesman ... decided to try for one and was told it would only require 1 credit pull ... as I waited to see I started getting multiple alerts that my credit was being pulled, went into sales office and asked what was going on and was informed they turned down the lease and they were running my credit with lenders for purchase ... I was furious as I did not ask nor want that ... I never signed or filled out an app for purchase nor did unauthorized any type of credit pulls for this, sales said they just thought I would want this and admitted fault ... said they would reverse the inquiries but have not done it yet... They had no buisness playing with my social this way and asked me to leave there buisness when I busted them on it... there is nothing in the form of paper work as I signed nothing
Product: Mortgage

My mortgage was purchased from another mortgage company by round point mortgage servicing in XX/XX/year>. In XXXX they reviewed the escrow and determined that my taxes were only {$85.00} a year which meant that I had too much money in escrow. For some reason, I have two separate tax bills, and they only saw the smaller one. They sent me a check for {$800.00} and lowered my payment by roughly {$180.00} a month. After about a month, I realized that they had missed one of my tax bills which happened to be for over {$2000.00}. For XXXX months, I paid the lower amount which were for the month of XXXX and XXXX. And in XXXX the payment will reflect the {$800.00} plus the {$200.00} that I was short for XXXX months plus the increased in escrow due to higher Insurance and taxes which raises my bill to quite a lot. I talked to them several times and were told that they would correct the Monthly amount for the month of XXXX but they did not. I called to speak speak to someone in the escrow department and they said that was impossible, but I could file a complaint Which the person help me do over the phone.. Also, either that day or the next day I filed a complaint with the XXXX XXXX XXXX XXXX XXXX, North Carolina XXXX Several days later someone from XXXX customer service did call me, but not based on my complaint to them, but my complaint to the Better Business Bureau. I asked him if he could please figure out what my escrow and mortgage payment would be if they had not messed up. After about a week, I called again and he said he was unable to do that for some reason. Instead, after my complaint was filed with the XXXX XXXX XXXX XXXX XXXX  said that I had XXXX days to hear from XXXX and when I didnt hear from them on the fifth day, I called and their answer to satisfy me was telling me to take my taxes out of my mortgage payment or try to apply for a senior discount on taxes, which I do not qualify for. I feel like I should be compensated for all my time and effort And ruining my budget. I am a senior XXXX XXXX XXXX. Also, no one from the company ever apologized and all of it was just done through the mail until I filed a complaint with the XXXX XXXX XXXX. The strange thing is this happened with a previous property that I owned. The mortgage was bought by someone and they missed the current tax bill and lowered my payment although that time I did not catch it and I ended up paying thousands of dollars on closing To make up for the missing funds.
Product: Credit reporting

I closed all my accounts and credit cards with Bank of America and they send me a letter that " They closed my accounts because of insufficient founds ''
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering the lost funds was impossible and tracking these transactionsu unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed reoffenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Mortgage

Loan Process/Getting Approved/Documents & Understated Costs : I want to make note that I am self employed. My husband and I were initially declined with our first lender due to that. We had to use XXXX because the listing agent saw an opportunity to send business to a friend as a negotiating tactic to give us time to find a new lender and complete underwriting our loan. 

During the process with XXXX, initial docs understated the PMI by 250 %. His assistant, XXXX, was very inexperienced and caused multiple delays ( i.e. not submitting documents according to standard procedures supplied by the bank, not submitting documents on time ). 

Neither he nor his assistant would answer our questions along the way ( i.e. updates on the status of the loan, why numbers didn't match in multiple documents, were documents submitted, questions concerning the type of conventional loan we were underwritten for, etc. ). Frequently we were told " we don't have an answer for you yet '' or " Unfortunately all I can say is that we are still working on the loan. '' XXXX understated deadlines for completion ( i.e. mortgage insurance underwriting being able to be completed in a couple hours ) to our Realtor. The morning of closing was when he and/or his assistant submitted insurance documents for approval ( avg turnaround for approval is 24-48 hours ). Our closing was delayed multiple times due to this. 

Early on in the process his assistant would give false information, my guess is due to lack of experience and knowledge in the industry or with our loan type which caused additional delays and frustrations. He expressed frustration with our asking questions throughout the process including legal jargon within his contracts. He stated we were taking time away from him working on our loan. I sent him a message stating until he answered a question about why the loan amount was changed I was not submitting a signed form. He called and yelled at me. During that phone conversation he threatened to not finish my loan intentionally ; I had a witness who was on 3-way that he was not aware of until later in the conversation. 

He was incredibly unprofessional and made sure that I felt uncomfortable and in the dark throughout the majority of the process. We had to call Movement to speak with a colleague in his office to get answers to what the agent said " were reasonable and normal questions '' and he apologized profusely on behalf of Movement Mortgage for our experience. 

XXXX had the VP of Movement Mortgage, XXXX, call me to try to intimidate me over the phone 3 times ( prior to me blocking his contact number XXXX to remove my review from XXXX versus asking about my experience. He stated " XXXX is a good guy and your review would hurt his business '', which was more important than customer relations and the liability to the company he was in his actions towards me.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

XXXX XXXX XXXX XXXX XXXX  Account number XXXX XXXX XXXX XXXX XXXX Account number XXXX TransUnion : XXXX XXXX, Account number XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611. Please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation
Product: Checking or savings account

2 times this year someone has opened up a checking account of Bank of America. They do nothing to help me. I can never get an account number until a random statement gets mailed to my Dads address. Then I have to call and get them to close. The third time it happened this year bank of America blocked for too many times
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

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 Balance Owed : {$150.00} ; XXXX XXXX XXXX Balance Owed : {$470.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian refuses to change the date that a old charge off is to be deleted from my credit report. They will not even look into it. XXXX  and XXXX  have fixed it. Nys law requires paid charge offs to be deleted after 5 years not 7. Experian refuses to do this with a paid XXXX charge off I have. Attached you will see the information I see.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX and Equifax was XXXX XXXX, 2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX
Product: Checking or savings account

Ally bank froze our account. This is our only account. After 2 weeks of calling and talking and waiting they still don't answer questions. I want my money back. 

We gave them all the necessary documents. They simply don't answer questions. My health has deteriorated because of all this and my psyche is weakening. 

I just want my money back. They don't give them back and don't answer questions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In a accordance with the fair credit reporting act XXXX account # listed below has violated my rights 15 U.S.A 1681 section 602 A states I have the right privacy.

15 U.S.A 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692 section 805 A section 3 states as the consumers place of employment if the dept collection knows or has reason to know that the consumers employer prohibited the consumer from receiving such communication 15 U.S.C 1692 section 805 A states dept collector may not communicate with a consumer in connection with the collection in any dept at any unusual time or place known to be inconvenient to the consumer 15 U.S.C 1692 section 806 section 5 causing a telephone to ring or engage any person in telephone conversation repeatedly or continually with intent to annoy, abuse or harass any person at the called number 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
Product: Debt collection

There were fraudulent charges on the BestBuy account made XX/XX/XXXX in the amount of {$79.00}. Dispute was filed with original creditor ( BestBuy ). They continued reporting and responded XX/XX/XXXX with a resolution. BestBuy concluded the debt was mine because it was " delivered ''. They provided shipment details with names and addresses that have NO connection to me. I DID NOT order these items. So I disputed again, discontinued payments until fraud was resolved. During time, collection attempts were made by BestBuy, XXXX XXXX, and finally XXXX XXXX XXXX. I received a letter from Citi on XX/XX/XXXX for a refund of {$44.00} for fees and finance charges. This was received after my account had been sold to XXXX XXXX XXXX on XX/XX/XXXX. The refund did not even begin to cover the fraud charges or the fees and interest incurred during this fraud dispute. So now I am in collections for $ 300+ in fees, interest and charges that I should not be responsible for. Once I learned that the debt had been charged off and I did not agree with the balance owed, totaling {$540.00}. BestBuy informed that I had to contact the new company XXXX XXXX XXXX to validate debt. Then I made a dispute with the credit bureaus. They concluded that the balance was correct which is inaccurate because the charges on the account were a result of fraud.
Product: Credit reporting or other personal consumer reports

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVEDXXXX XXXX XXXXXXXX and XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXXXXXX XXXX XXXX XXXXXXXX BALANCE {$5300.00} -DATE OPENED XX/XX/XXXX Account Name XXXX XXXX XXXX XXXXXXXX BALANCE {$3700.00} -DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX BALANCE {$2400.00} -DATE OPENED XX/XX/XXXX Unauthorized Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

As part of a litigation settlement XXXX vs XXXX my student debt was discharged. In addition all credit reporting translates were supposed to be deleted from my credit report. I send the proper paperwork to XXXX and Mohela and they refuse to delete it from my credit report. XXXX follows there same routine when investigating and do not take any paperwork provided into consideration. They are reaching out to Mohela only to verify the late payments that indeed took place. They are not investigating the actual settlement and action that was supposed to be taken to delete the entire loan history from the credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX, and XXXX  has violated my HIPAA rights. I asked XXXX XXXX XXXX to send me evidence to validate my debts with the original Creditor and they sent me copies of personal medical info about my visit at the hospital. They never sent me proof of my signature from the original Creditor to release mine or my daughter 's medical information to a third party!!! 

I want Equifax, XXXX, and XXXX  to delete these erroneous accounts off of my credit reports immediately. I have already contacted XXXX XXXX XXXX and informed them they are in violation of my medical privacy under the HIPAA Act! I am filing a complaint with all three credit bureaus again!! My next step is litigation!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am reaching out to you to complain about the credit reporting agencies and companies that have ignored request for removal. The following accounts are not mine and must be removed immediately XXXX, NC Financial, XXXX FCU, XXXX Card. I am a victim of Identity Theft. I have contacted XXXX, XXXX, XXXX on 5 different times with no removal. This is a direct violation of 15 USC 1692 ( g ) Validation of Debts. Not only have I not given the credit reporting agencies written consent to furnish my consumer report at no time per 15 USC 1681b. I am prepared to file with the federal courts about the continuous back and forth with the credit reporting agencies who clearly know that they are in violation of the law. It clearly states that once I notify each credit report agency of my identity theft a removal of the account or information is to be removed while under investigation. I as the the consumer is also the person to identify this information for validation but not one person has called me to verify anything.
Product: Mortgage

I have provide documents and links explaining the Wells Fargo Foreclosure Fraud Scam along with their latest criminal scam in which they robbed, stole, and created XXXX accounts. If you would like copies of the entire packet of paperwork from the 2010 closing, I will send them via XXXX mail. Otherwise, you can just continue to believe every " TADA '' document sent via Wells Fraudo
Product: Debt or credit management

I signed with XXXX XXXX XXXX and paid this far {$5100.00}. I just received an account balance along with a letter stating they are in litigation. I only have in my account XXXX. This is a Total SCAM!!!!! My XXXX XXXX dropped from XXXX to XXXX. I have been trying to call the company and had no response other than a standard response email. 
This is a SCAM
Product: Money transfer, virtual currency, or money service

On XX/XX/2020 an ACH from Discover Co was placed against my XXXX XXXX account. The charge was in the amount of {$6300.00} and caused my account to be overdrawn by more than {$4000.00}. 

I contacted XXXX, but because the amount was too large, they could not credit my account while the fraud investigation was initiated ... which could take many days. 

I contacted Discover Co with the transaction number, amount and my account, but they refused to help me because I do not hold an account with them.

I'd like to file a complaint against Discover as they are literally stealing money out of my account with a fraudulent charge and will not reverse the charge. 

I will suffer extensive financial harm as this fraudulent charge took place the day before XXXX and any resolution will take many days to resolve with XXXX. 

This means that my car payment, rent, insurance and other charges will be declined and I will be liable for late fees and credit issues. 

In a sophisticated digital banking environment, there should be no way that this type of damage can inflicted on a checking customer without recourse. 

I am completely helpless against this theft that Discover has facilitated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Experian after I purchased a credit report from XXXX on XX/XX/2022. After receiving a copy of my report, I saw these UNVERIFIABLE accounts on my personal profile, I noticed that there were Accounts : XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX on my credit report which are UNKNOWN to me. This is disappointing because I have been paying XXXX XXXX  to get a report every month and I have been disputing fraud accounts on my credit report all this time. One of the staff told me to visit https : XXXX and Report the Fraudulent accounts and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

A copy of my Bank statement, Passport ID and Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by Experian not blocking these accounts is inadvertently resulting in me being extorted.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Act. number XXXX Open XX/XX/XXXX amount {$580.00}, LVNV Funding ( XXXXXXXX XXXX XXXX XXXX ) account number XXXX XX/XX/XXXX {$380.00}, LVNV Funding ( XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Act. Number XXXX XX/XX/XXXX {$810.00}, and XXXX ( XXXX XXXX XXXX XXXX XXXX ) Act. number XXXX XX/XX/XXXX $ XXXXThey could not provide me with the original contract. I asked them for the purchase agreement of the debt and XXXX with the original creditor, verification of the last payment missed. They could not provide me with any information, and nothing had my signature on it, they could not validate the debt. Codes 15 USC 1692g and 15 USC 1681c-2. I
Product: Debt collection

Contacted my childs father whos been an X for over 10 years. Weve never shared a phone line. Left a voicemail on his phone from come out  capital bank insisting that I call them today.
Product: Debt collection

REPOSSESSION DEFICIENCY DISPUTE This account XXXX XXXX XXXX XXXX acct # XXXX has violated my rights. 
Under the laws of the state of TEXAS UCC 9.506 and State XXXX and XXXX statues a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhere to. 
Please provide copies of the legal notices and proof of the commercially reasonable3 manner of the resale of the subject vehicle. 
If no such proof is provided within 14 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void, and any continued activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. 
In addition, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statues and UCC 9 REMEDIES.
Product: Credit reporting, credit repair services, or other personal consumer reports

CKS financial Investment account was paid and they are refusing to update my credit report.
Product: Debt collection

I need these inquiries deleted because i did not authorize these companies to run my credit.