23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XX/XX/2022 XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, NJ XXXX Story on XX/XX/2022 where the pipe broke in the basement located on XXXX XXXX XXXX, XXXX, NJ XXXX. XXXX, owner XXXX XXXX called XXXX XXXX XXXX XXXX, which XXXX XXXX called back and I describe the situation asking for quote, and I did not asked XXXX as emergency for this job. I also called other similar company, yet XXXX decided himself to do immediate work and XXXX told me will submit the invoice to my insurance company without giving me Estimate/Quote. Today, I received the XXXX page XXXX, stated EMERGENCY DRYING SERVICES PER ESTIMATE, the invoice description is absolutely INCORRECT, as I stated above, XXXX failed to provide me the quote and XXXX called himself this project as EMERGENCY also false. 

Since XXXX XXXX threaten to sent to collection agent, which is XXXX did I agreed to pay {$4000.00} XXXX XXXX XXXX, is VOIDED I will filed criminal against XXXX XXXX and XXXX XXXX power dry by attempted SCAM against XXXX XXXX failed to provide the estimate and called XXXX himself as project XXXX EMERGENCY for this work
Product: Mortgage

I bought a manufactured home from XXXX XXXX and AmCap is the lender. XXXX XXXX XXXX who did the foundation did not do the foundation per the HUD code. XXXX XXXX had the company XXXX come out and inspect the house and foundation and passed the inspection. Now the foundation does not follow HUD code for drainage, grading, skirting not bolted to the foundation. Water can not drain from under the house. Skirting is sitting on blocks not the foundation due to the foundation was not made big enough. After discussing this with XXXX XXXX with AmCap, AmCap decided to send the company XXXX out to do an inspection and the company XXXX failed the inspection due to drainage issues. ( See attachment below ). AmCap then told XXXX XXXX and XXXX  XXXX had their contractor come out and add sand to around the house and then they had it reinspected my XXXX  which again passed the inspection. The lender, AmCap, wants me to sign off on the loan accepting it how it is which does not follow hud code. I will attach pictures and emails.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am filing this complaint against TransUnion due to their handling of a disputed account on my credit report, which they have inaccurately re-aged, suggesting a recent late payment. This action is misleading, incorrect, and has significantly harmed my creditworthiness, directly impacting my financial stability and ability to secure essential financial services. 

Furthermore, I wish to highlight my previous attempt to resolve an issue with XXXX XXXX XXXX XXXX. On XX/XX/2023, I sent a certified mail requesting validation of a disputed account, as per the Fair Credit Reporting Act ( FCRA ) requirements. Despite the legal obligation to respond within 30 days, I have not received any form of acknowledgment or response, further compounding the inaccuracies on my credit report. 

This complaint underlines the failure of TransUnion and XXXX XXXX XXXX XXXX to adhere to FCRA guidelines, resulting in severe personal and financial repercussions for me. As a diligent consumer who has not missed a single payment in over XXXX years, and as a single father striving to provide for my family, I urgently request the CFPB 's assistance in investigating these matters and ensuring the correction of my credit report. 

Enclosed are all relevant documents, including copies of the certified mail sent to XXXX XXXX XXXX XXXX, and evidence of the disputed account with TransUnion. 

Thank you for your attention to this matter. I look forward to your prompt assistance in resolving these distressing issues.
Product: Mortgage

My loan was transferred to Shellpoint as of XX/XX/XXXX. My auto-payment was not drafted out of my account so I manually paid the loan on XX/XX/XXXX. On XX/XX/XXXX, the auto-payment was drafted and so I effectively double-paid. I called Shellpoint and asked for the second payment to be returned to me given the double payment and this request was submitted for approval. The Shellpoint representative confirmed that they saw the XXXX payments and that the refund request for the second payment was legitimate. 

After not hearing back, I called back later in XXXX - XXXX this point, I was told the refund request was still being processed. I was led to believe I could allocate the second payment to XXXX if the refund did not get processed. 

Shellpoint attempted to draft my XXXX payment, which I asked my bank to put a stop payment on as I had already paid for XXXX. 

Beginning on XX/XX/XXXX, I began to receive emails that I was now 2 months behind on my mortgage - XXXX and XXXX - despite having spoken to Shellpoint who confirmed receipt of XXXX payments in XXXX. 

On XX/XX/XXXX, I called again to inquire about my loan status. I was told that the second payment I had sent was still not-allocated due to my refund request. I was requested to provide a bank statement showing the double payment in XXXX and that showed I did not receive a refund for the second payment. I provided this information as requested. 

I followed up on XX/XX/XXXX. I was told the issue was actually an allocation between principal and interest and that once the allocation issue was resolved, that my account would reflect properly. The representative I spoke to confirmed that there were XXXX payments received in XXXX and that they were not allocated, and upon the processing team updating the account my account would reflect accurately. 

I followed up on XX/XX/XXXX - This time, I received new information. I was told that my initial payment from XXXX was not reflecting for the XXXX payment due to an error in the principal and interest calculation from the prior servicer. I confirmed that my loan was current as of XX/XX/XXXX and that after an audit of my loan, I was NOT going to get credit for my XXXX payment that I made. This is an XXXX only loan for which I made my monthly payment as contractually obligated. Shellpoint is not giving me credit for the payment that I made. This is the first conversation I had with a Shellpoint representative where I was told I was not getting credit for my XXXX payment either. 

Secondly, they indicated that I was not being credited for the second payment that I made in XXXX as they indicated the funds did not settle correctly. I referenced the bank statement that I previously provided showing that XXXX payments were taken out of my account in XXXX and the representative indicated they would forward my information to the payment processing team. 

It has now been nearly XXXX  months and I am not getting credit for the XXXX  monthly payments that have been made on my account and Shellpoint is misrepresenting my account as being past-due as a result.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXDEPT OF ED XXXX XXXX XXXX XXXX, MO XXXX XXXX XX/XX/2017 an 90 day late was reported on my credit report I was never late on the paid off account listed above, please show me documentation showing proof of transaction showing i was late to support your inaccurate reporting on my account, if you can not supply this, please delete this alleged late payment from my credit report for reasons that it is not a invalid late payment the FCRA allows 30 days for this to be rectified
Product: Credit reporting or other personal consumer reports

Bank of America credit card XXXX XXXX XXXX XXXX. Statement was not received for XXXX because mail was vandalized at subdivision mailbox. No coourtesy call was made like Bank of America said they do. I have had this card for several years and never been late. The balance was {$120.00}. When we realized we had not received statement we immediately paid balance in full. I immediately called Bank of America and spoke to customer service, they informed me they would reverse the late pay and restore my original credit limit. They told me I have been customer for 20 years and never had late pay. There have been a lot of vandalism in our area and mail being stolen. Please update my credit report asap as I work very hard to keep my credit above XXXX, thanks XXXX XXXX
Product: Money transfer, virtual currency, or money service

I went to Bank of America located on XXXX XXXX XXXX XXXX ca, to cash a bank of america settlement check. I was denied because the check was {$5000.00}. I was told they only cash up to {$4000.00} for non-members. This was a Bank of america check. I was not asked to open up an account either. My sister who works for the FDIC formerly worked for the federal reserve said they were obligated to cash their own check.
Product: Credit card

On XX/XX/XXXX, I applied for BBVA Compass XXXX XXXX XXXX ( XXXX ) Card and to my dismay received a message that said " Your application for a BBVA Compass XXXX XXXX XXXX XXXX XXXX XXXX Card has been received and is currently under review. A BBVA Compass Customer Service representative will contact you soon to complete your application. If you have any questions, please call our Customer Service team at XXXX ( XXXX ). Please reference Application ID XXXX. '' I promptly contacted BBVA Compass by phone on XX/XX/XXXX and XX/XX/XXXX about my request for a new credit card product from the bank and was told it is pending review. I have been a banking customer with BBVA Compass since XX/XX/XXXX, I have a checking, savings, line of credit and an existing credit card account still active with the bank. The reason for this complaint is that, I have been lied to by BBVA Compass on my recent request, they are participating in a deceptive practice with their banking products. They have provided me an erroneous excuse as to why I could not be approved for the XXXX XXXX XXXX ( XXXX ) Card. They indicate on the denial letter that they were unable to verify my identity, however they have not done their due diligence to verify it was I that was making this request rather I have been proactive in contacting them and proving to them my identity. I have recently reviewed my credit file and found that BBVA Compass requested my credit report from XXXX on XX/XX/XXXX and has placed a hard inquiry. Since BBVA Compass is claiming the reason they could not approve my credit request is because of their incompetence in verifying my identity, I would need this erroneous hard inquiry on my XXXX Credit Report removed within 30 calendar days.
Product: Debt collection

Discover call repeatedly to collect debt. Experiencing financial hardship and will not defer pmt. Making the situation unbareable.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN light of recent investigation brought upon XXXX, i find that my consumer file is being irresponsibly tampered with. Over the past 2 years I have made several attempts to remind you of your duty pursuant 15 usc 1681. it appears you're intentionally and willfully being neglectful in remedying my affairs. 15 usc 1681 e ( B ) assures that i am due, promised accuracy in my report based on federal law. I am making this complaint with the bureau consumer financial protection ( 15 U.S. Code 1693a ) as well as with the attorney general as another attempt to have these errors corrected on my consumer report. 15 USC 1681I ( A.5 ) SAYS THAT AFTER THE REINVESTIGATIONS ALL OF THE UNVERIFIED INFORMATION MUST PROMPTLY BE REMOVED. YOU CAN SEE IN YOUR SYSTEM THAT THESE ACCOUNTS WERE PREVIOUSLY DISPUTED WITHOUT BEING THOROUGHLY INVESTIGATED THUS I KNOW THAT IT CAN NOT BE VERIFIED OR VALIDATED. also, you are in violation : 15 usc 1681 ( a ) ( 4 ) - Infringed Upon a Consumers right to privacy Why is this a Violation? XXXX has no business going out and looking for negative information thats Infringed Upon a Consumers right to privacy. Second Violation 15 usc 1681b ( a ) ( 2 ) ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did XXXX XXXX have MY written instructions? Did XXXX XXXX have Permissible purpose? NO, they did not. 

YOU ARE IN VIOLATION OF 15 usc 1681a- ( e ) MAY I REMIND YOU The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

both stated accounts were removed from XXXX so please tell me how you verified this information to be accurate?
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX I contacted XXXX, XXXX XXXX TRANSUNION asking them what their procedure is for obtaining bankruptcy information on consumer reports. I let them know that I was not disputing the information, but I wanted to know the process. I also reach out to XXXX requesting the same. XXXX responded with a notice of deletion and attempted to contact all three reporting agencies. TRANSUNION replied to XXXX with a notice of deletion as well, however it has not been deleted of my TRANSUNION consumer report. XXXX XXXX XXXX have refused to respond to XXXX and have not deleted the bankruptcy off my consumer profile. I am aware that the reporting agencies have and are continuing to violate my privacy per " The Privacy Act of XXXX ''. I did not give any authorization to place my private information on my consumer profile. The court system and PACER do not supply reporting agencies with bankruptcy information as I have written confirmation from them stating this. XXXX is responsible for obtaining and distributing these types of records to XXXX, TRANSUNION XXXX XXXX. This is a complete violation of my consumer rights and I demand for this to be removed from my credit report as XXXX has deleted it from their records.
Product: Vehicle loan or lease

On XX/XX/XXXX, I turned in my XXXX lease and purchased a new vehicle. The lease was due to end in XXXX so it was an early termination. I had automatic payments set-up for the lease on the Ford Credit site. When I was signing my paperwork I asked if the payments would stop and they said yes so I did not do anything. Come about XX/XX/XXXX or XXXX I noticed the amount was still sitting in the auto payment for the lease and I tried to stop it but could not ( all done on line ). I guess I should have called but I didn't. At that time I thought well I will get a refund since it was an overpayment and I had this happen before and got all my money back. 
Well I did get a refund on XX/XX/XXXX ( check dated XX/XX/XXXX ) but it was short. So I called. A gal by the name of XXXX could not answer why it was short and said that the " End of Terms Dept ''  would call me the next day ( the XXXX ). No one ever called. Therefore I thought I will get the $ 47+ in the mail ( but no ). On XX/XX/XXXX I called again, XXXX helped me and I finally found out ( after being on hold ) that they withheld the taxes, because they were paid to the state. I laughed and said that was a foolish answer and I wanted to speak to someone else. So XXXX XXXX got on the phone and she matter of fact told me to go to the State of Florida to get my refund of the taxes. I told her that is totally ridiculous since I did not pay the taxes they did. And, I also told her that I know for a fact that they get a number of other payments in and that when they give a refund they can certainly deduct my portion from the others. She continued to state the fact they immediately send the taxes to the appropriate states and I would have to go to the state to get the refund. I again know this would never happen. I also told her that I am a business owner and know that if they would have refunded my taxes when I called it would have been in XXXX and no foul. It would have all been in the same month. I asked to speak to the leasing department and she said she would send them a message to call me ( I doubt they will call since I do not get calls back ). As of today the XXXX, I have not heard from anyone else about this matter. I personally think this baloney and Ford Credit is either lazy or keeping the money because technically the taxes to pay my state are not due till the XXXX of the following month ( XXXX ). Where is the customer service from this large organization?
Product: Credit reporting, credit repair services, or other personal consumer reports

These ppl are XXXX of the earth I faxed over mailed copies of my SSN card driver license number card and utility bill iny name they still can't verify me let alone obtain annual credit report
Product: Student loan

XXXX XXXX XXXX XXXX/ XXXX contacted me about doing the rehabilitation for my loan- the amount due was {$22000.00}. I was contacted on XX/XX/XXXX for nothing less than {$220.00} per month. Which I financially couldn't afford as a single parent.They eventually set up a wage garnishment against my wages- receiving anywhere from $ XXXX- $ XXXX+ per week. I was paid weekly. I was garnished for 3 consecutive years. Then in XX/XX/XXXX I received 2 letters from 2 different collection agencies/debt collectors. One was dated the XX/XX/XXXX from XXXX XXXX XXXX XXXX- from previous company Navient. The amount they were seeking was {$12000.00}. After receiving a notice from XXXX XXXX XXXX dated XX/XX/XXXX from previous company Navient. They were seeking $ XXXX- but were willing to settle for {$510.00} within 40 days of the letter. Each letter stated that I had 30 days to contact them. I have enough common sense to know they were trying to collect times 2 on my account. I contacted both debt collectors and infomed them that any further contact would result in a lawsuit.
Product: Checking or savings account

On XX/XX/XXXX, I opened an online savings account with Citizens Access Bank. Approximately XXXX hours later, the account was closed without my knowledge or consent. I have contacted the bank on numerous occasions ; to be provided with an explanation as to why my account was closed. Each time, I have been told I will never be given any form of explanation whatsoever. I am unable to log in to my account. I am unable to open a new account. I feel as though I am being actively discriminated against without cause. Therefore, since I am not allowed to open a new account and I have never been given a satisfactory explanation as to why my account was closed shortly after it was created ; I have opted to submit a formal complaint with the Consumer Financial Protection Bureau. I am willing to provide the CFPB the opportunity to act as an intermediary on my behalf ; to properly resolve this matter. However, to be clear, if this last ditch effort fails to properly rectify the situation to my satisfaction ; I will be forced to take matters into my own hands. I look forward to my government actively enforcing the Civil Rights Act of 1964 upon Citizens Access Bank and putting an end to their discriminatory actions towards me.
Product: Debt collection

I visited the emergency room sometime in XXXX at XXXX   emergency and filed paperwork that I was unemployed at the time. They sold my debt to commonwealth financial systems and They have since put 3 deragatory remarks on my credit report indicating that I owe them money with a XX/XX/XXXX date, insinuating that this is a new account when in reality it is about 6 years old. The amounts are for {$870.00}, {$620.00} and {$590.00}.
Product: Credit reporting

I have contacted XXXX multiple times to address this credit reporting error of a car loan I had with them. I had originally purchased the vehicle through a dealership called XXXX XXXX of XXXX who financed it through XXXX. The financing through XXXX should have been through my company XXXX XXXX XXXX XXXX XXXX XXXX, but instead the finance manager inadvertently put down the Federal ID number belonging to XXXX XXXX XXXX which was a company I had sold previously to buying and financing the vehicle. The new owners of XXXX XXXX had filed BK and it automatically showed up on this vehicle as being in a BK status. I spent countless hours to clear this up and you guys accepted all the payments in full for the vehicle but still continue to report a charged off vehicle on my credit report instead of always having on time payments. The only time I did not have on time payments, was when you guys would not accept payments because it was in BK status. I have contacted the credit bureaus to clear this up with you guys. I have contacted you guys personally. And I have contacted you guys through the CFPB with no response. I have attached the letter from the dealership admitting the mistake, and you guys still continue to report this incorrectly on my credit report. 

I am demanding a response and removal of this negative trade line on my credit report. It should state paid in full and on time, with no late payments. If this is not fixed in a timely manner, I have no other option but to pursue financial distress for all the damages you have caused. This credit issue has prevented me from financing new business loans and home ownership, costing me hundreds of thousands of dollars in earned income and interest. My interest rates are all high because of this negligent mistake. Please respond as soon as possible to prevent further legal action.
Product: Credit card

I am having a problem with Chase Card. They are reporting an inquiry to XXXX that was not authorized by me. Someone accessed my Amazon account and applied for an Amazon Credit Card. I have contacted XXXX and Chase card and neither company will remove this fraudulent inquiry from my report.
Product: Credit reporting

XXXX lied and told me they offer internet services at my apartment in order to obtain permission to view my credit information. They do not offer internet, only telephone services, and no cable in my area and yet they still tell consumers they can receive their services before they request all your personal information. I tried to remove the fraudulently obtained permission from my credit report, which includes XXXX fraudulently obtained permissions to which XXXX hard credit inquiries are on my credit and affecting my score. XXXX refuses to correct the issue even though XXXX representatives lie in order to obtain sensitive personal information. XXXX will lie to you to obtain personal information and use it for their benefit because they will not correct their mistakes.