23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Received my credit card bill yesterday and there was a {$19.00} charge from Transunion. 
We called last night to find out what this is and we were told it was for credit monitoring services " which we NEVER ordered ''. 

2 issues here : 1. Transunion fraudulently engaged the service and began charging us.

2. Their contract call center is nothing but a group people who lie.

As they speak with a foreign accept, they are no doubt outside of the US. The names they gave in sequence of call transfers were : XXXX XXXX XXXX XXXX XXXX  and XXXX. We did speak to one American. When we asked for real names and what country they were in they said they are not allowed to tell. This is ridiculous - we are giving our credit card numbers and SS numbers to heaven only knows where!

Second, we asked for information about who signed up for the service that they put on this account. We were transferred to various departments and finally the monitoring dept. XXXX stated she can not provide the information.

We have no doubt in our mind that Transunion is misusing their access to credit card information and fraudulently charging people for credit monitoring services. We did not sign up for this and certainly not a " subscription '' that would go on forever.

I am certainly this has happened to others and wanted to alert your agency.
Product: Credit reporting or other personal consumer reports

Misleading redirection about a change to your credit which is actually an offer for a free trial that then gets billed at {$XXXX} per month after the first week. Clearly deceptive marketing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Negative accounts reporting on my credit reports that are negatively impacting my credit scores : XXXX  XXXX XXXX  XXXX XXXX  XXXX   XXXX  XXXX XXXX  XXXX XXXX  XXXX
Product: Mortgage

No one from NACA has responded to my emails or provided a written response stating that is was discussed in the last meeting in XXXX. I have an email dating back to XX/XX/XXXX with no response and I several other emails with no response. I have emails requesting support, help and how to move forward. All emails are also being sent to my NACA client portal file. My pervious CFPB complaint was answered by XXXX XXXX XXXX XXXX. NACA XXXX XXXX XXXX, XXXX XXXX XXXX, MA XXXX but this person has never spoken with me or emailed me and I am unsure of her role with the NACA company.
Product: Credit reporting or other personal consumer reports

I asked for legitimate documents to prove the appearance of these items in the credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX I paid off the credit card and the company gave my three credit bureaus all negative remark. When the card had no balance, and it was paid off. I called the company and manager couldn't believe that happened to me. She was at a lost to why, but couldn't find out why that had happened. The manager agreed that there was no balance that the card was paid off, so there shouldn't have been a negative remark. XXXX XXXX failed to address the remarks on credit bureau. They cost me money to do this for their negligence, so they should pay me with written apology to all credit bureaus. I have been with bank since XXXX.
Product: Checking or savings account

I deposited a cashiers check for {$21000.00} on XX/XX/2022 into my XXXX XXXX XXXXXXXX checking account that I have had for over 25 years. On XX/XX/XXXX Wells Fargo attempted to take that money out of my checking account without my authorization or notification because they said that cashiers check was somehow invalid causing my account to go negative- even though I obtained a bank statement showing the {$21000.00} in question was taken out of a Wells Fargo checking account. XXXX froze my checking account while they did an investigation for the whole month of XX/XX/2022 and said it may take an additional 60 days which I was fine with. However, they then froze my savings account which had nothing to do with the cashiers check or checking account transaction/investigation. I went into the branch and told them I understood I couldnt use my checking account since its frozen and would like to take money out of my savings which had approximately {$20000.00}. They refused and only gave me {$100.00}. From another account I had w a balance of about $ XXXX. How can a 3rd party bank like Wells Fargo go into my checking account with no authorization and attempt to take {$21000.00} leaving me overdrawn without any notification. And how can XXXX XXXX XXXX freeze all of my money and all of my accounts during XXXX when I only gave them authorization to freeze one of my accounts for investigation. This seems like abuse of power. It seems the banks are drawing this investigation out to keep my money. I myself, reached out to the person who gave me the cashiers check and collected his bank statement that shows the {$21000.00} taken out of his bank account and purchased a cashiers check that was deposited into my account. Why cant the banks follow the money trail and end the investigation. There is nothing fraudulent about this cashiers check, but the banks have not provided a reason for why they can not complete or even what theyre doing during this investigation. Other than holding my money from all of my accounts.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Experian and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently disputed a bankruptcy with LexisNexis and they were not able to verify this information so they deleted this Bankruptcy from their records. I took the letter they sent me and I opened a dispute with XXXX and XXXX by mail. They both came back stating that the bankruptcy was verified by LexisNexis. Both companies also told me that LexisNexis needs to send them a letter stating they have removed the Bankruptcy from their records. I called LexisNexis and they told me they don't do that. When I called both XXXX and XXXX to tell them what LexisNexis said, they BOTH said that this is the only way they can verify that this Bankruptcy has been removed. I'm asking that LexisNexis report the bankruptcy removal to XXXX and XXXX and send me a letter confirming they did that. Their false reporting is in direct violation of my FCRA rights and has caused me years of stress and my mental health has declined and has caused me to pay extremely high interest rates and has prevented me from buying a home. I'm currently in communication with an FCRA Consumer Lawyer to go over my options with all three companies. 

In my last CFPB complaint for LexisNexis, they stated they could not verify me so they could not proceed so this new complaint includes a copy of the requested information.
Product: Mortgage

Dear CFPB, On XX/XX/2019 we had a FIRE in the lower level of our home. The fire has cause $ XXXX {$85000.00} in damages. We immediately called Wells Fargo to inform them of the situation and asked what help they could offer. They offered a forbearance on the loan. They failed to inform us they were gon na report negative information on our credit report, we have been paying the payments every since and have paid them on time. The person we were dealing with said they would have our credit fixed do to the matter. They continue to report us negatively on our credit making our scores go below 500 from above 700 's. 
They keep saying they are gon na fix it and don't. We are still trying to fix our house and deal with the insurance company. During this time they eve threatened foreclosure when we have done what they have asked us to do and kept our side of the deal. 
All of this happened during a snow storm in the whole month of XXXX. 

They have done nothing but making this process horrible, and embarrassing, exhuasting etc.
Product: Mortgage

I along with my Realtor have been working with Green Tree Sercicing LLC ( " Green Tree '' ). now Ditech Financial LLC effective XXXX XXXX 2015. My house located at XXXX XXXX XXXX has been on the market several months, we requested and was granted permission to conduct a short sale. My Realtor presented seveal offers to Green Tree but they refused each saying they did not provide the level of funds they desired. My Realtor discussed options with me and I decided to pursue the Deed in lui of Sale if the final offer was refused by Green Tree. My Realtor conveyed this to the Green Tree representative, who did her best to support us. We then received word that Green Tree would pursue foreclousure procedings on XXXX XXXX and a decision was needed atleast 30 days prior to allow for the deed in lui of sale to be processed. My Realtor attempted several times to contact Green Tree to advise them of the decision to pursue the dead in lieu of sale but could not contact anyone ; she final got through on XXXX XXXX, XXXX day after XXXX ) and was told it was now to late to request a deed in lieu since it was inside the 30 day window. I spoke with the Green Tree representative and requested they reconsider since attempts were made to contact them prior to XXXX XXXX and they were closed on XXXX XXXX for the holiday. 
It is unreasonable that Green Tree would refuse to accept my request for a Deed in Lui with the rational that it was XXXX date late given the prevailing circumstance. I have made every effort to resolve this mortgage issue, I informed Green Tree that my hands have been tied and mitigation processes were not an option since I have a court order mandating the house been put on the market and any proceeds shared with my former spouse. I continued making payments on the house and maintaned the insurance even though I would not recoup any profits from its sale. I explained to Green Tree it did not make sense to foreclose on the property and they reap pennies on the dollar versus accepting the offers submitted or now the deed in lieu of sale. The Green Tree representative told me her hands were tied and the final decision rest with her leadership. I am sending a letter/email to her leadership asking them to reconsider but also need the foreclousure process to be pushed back to allow time for us to reconsider the options and come to some common level of understanding and agreement on the way forward. 
I am currently vigorously involved in yearend closeout with the United States XXXX XXXX XXXX XXXX XXXX XXXX, North Carolina and have scarce amounts of available time to make personal phone calls regarding this matter. I need the foreclosure proceeding pushed back to allow me and my Realtor to work out reasonable options with the Green Tree/Ditech representatives. 

I can be contacted at XXXX from XXXX to XXXX daily and XXXX in the envenings. 

XXXX XXXX XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

I have made several complaints written letters and via emails each time I reported to the CFPB and nothing was done.the first complaint was XXXX. 
My rights are being violated, I opt out of any and all authorization written or unwritten verbal or non verbal 15 USC 6802 15 USC 6805 Privacy Act of 1974. A charge off is a certificate of indebtedness which means it is income and must be removed.The law says it's illegal to report transaction history. 16 CFR 313, 16 CFR 4331.2 16 CFR 433.2 15 USC 1681. Please adjust affected IMMEDIATELY
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2021 XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX ( XXXX ) XXXX Dear Sir or Madam : I am writing to dispute the following information in my credit report file. I have circled The items I dispute on the attached copy of the report I received.The information on THE SECOND COLLECTION ACCOUNT OPENED FRAUDULENTLY WITH XXXX XXXX XXXX FOR THE SECOND TIME. 
Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXX account number XXXX with a balance of ANOTHER {$1400.00} which is inaccurate because I've been contacted by your company about a debt you allege I owe several times. I am instructing you not to contact me any further in connection with this debt. Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. I am requesting that the item be removed immediately.

Please reinvestigate this matter to have them delete the disputed item [ s ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on identifying disputed items, creditors name and whether it is a credit account, court judgment, etc. it is inaccurate.

This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), to prescribe Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection.

The Bureau of Consumer Financial Protection ( Bureau ) is issuing this final rule to revise Regulation F, which implements the Fair Debt Collection Practices Act ( FDCPA ) and currently contains the procedures for State application for exemption from the provisions of the FDCPA. The Bureau is finalizing Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 
This rule is effective XX/XX/2021. Please reinvestigate this matter and delete the disputed item as soon as possible. 
Sincerely, XXXX XXXX XXXX, Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

The following credit inquiry currently listed on my XXXX credit report is a fraudulent and unauthorized credit inquiry : XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 


XXXX XXXX, XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : IXXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Carrington Mortgage is currently reporting that my loan is 180 days past due and that I owe {$260000.00}. None of this information is correct. My loan is not past due as I just complete a loan modification and made my XXXX payment. On my statement dated XX/XX/2022, it is showing a balance of {$220000.00}. I made a payment XX/XX/XXXX, so the current statement is not reflecting that. I have called Carrington Mortgage several times but can not get through to anyone due to their lines being down. The erroneous information has caused my credit score to drastically drop, I am in the process of refinancing my home due to all the issues I have had with Carrington Mortgage and their reporting has halted my chances of that of happening, I need this information corrected immediately.
Product: Checking or savings account

On XX/XX/XXXX, I was scammed by someone trying to impersonate a worker from XXXX. On Sunday, XX/XX/XXXX, my XXXX account was hacked and I had no access to my XXXX account. I took it upon myself to contact XXXX customer service and called a number provided by XXXX. I clicked on the XXXX website and called the number provided XXXX ( XXXX ) XXXX. Someone by the name of XXXX XXXX stated that my XXXX account was hacked and someone was impersonating me by trying to sell XXXX through my XXXX market place. I was provided with a text message stating the XXXX transaction details, along with a message impersonating my Bank. I contacted my bank on XX/XX/XXXX stating there were unauthorized transactions from my XXXX account which came to a total of {$7000.00}. I filled a dispute for 2 XXXX  payments made to a " XXXX XXXX '' of a total of {$2500.00} and 2 Wire transactions made to coinbase of a total of {$4500.00}. My bank sent me a letter stating they were not refunding me for the 2 XXXX  payments while the wire transactions are still under investigation.
Product: Debt collection

I have carefully reviewed my latest credit report and identified a number of unauthorized accounts that were added without my approval.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to 15 U.SC 1681 and I recently obtained a copy of my credit report and it shows I was overcharged I paid XXXX but my balance was only XXXX XXXX XXXX bank account number XXXX over charged me {$1.00}. Also when I pay my final bill it did not state or charged off as it's showing on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Account number XXXX ... keeps reporting a balance of {$27000.00} as of XX/XX/2018 on the auto loan that was paid in full to them years ago. At the time of the sale of the vehicle I was told that a total of {$24000.00} was recovered and no money was due from me ... Now I come to find out they reported a balance on my credit report.. I attempted to contact Exeter who sent me 2 letters back to back ( computer generated response very simply ) stating they validated this debt and contract was sent to me which was a lie. Now all of a sudden I started to receive calls from them at XXXX and XXXX on daily basis as an " attempt to collect debt '' and threatening to arrest me for an unpaid balance or send a sheriff to my employment ... This is ridiculous and should not be a legal practice for collection of the amount that is not owned in first place ...
Product: Mortgage

On XX/XX/XXXX  my husband proceeded to a local Santander Bank to pay the mortgage on our house. The mortgage is in my name and I have had it for over 20 years. The local brank advised my husband that he could not make a payment because he was not on the account. When I call the branch, the branch manager verified that this was a recently change due to fraud and advised that I could make the payment online therefore I would not need to come in at all. He took my information and I am awaiting a call. I proceeded to call the Corporate Customer Support Number and the young lady there confirmed this change and advised that I too am no longer able to make a payment because I do not have a checking or saving account with the bank. I never had any other accounts with this bank and this was not a stipulation when I opened the account. She advised I can make my payments by phone but there is an added fee or {$9.00} - {$11.00} depending on the method. I can setup direct deposits or mail in my payment. Now if I proceed to mail in my payment it would be no different then a local branch accepting my payment same payment form with no way to tell if it is fraudulent. 

I find it terrible that a bank would make such a change and not communicate that to there customers. I also find it ridiculous that any business would not accept a payment from a customer. I now have no idea how to proceed with making my payments as mailing checks is not very secure and I do not feel comfortable allowing them pull the money from my account. I so know that I will never again open an account with this bank of any type.
Product: Credit card

Goldman Sachs is refusing to honor my SCRA ( Servicemembers Civil Relief Act ) benefits in accordance with XXXX  SCRA laws on my Apple Card. I am an XXXX XXXX XXXX currently stationed in Louisiana. I requested SCRA benefits on XX/XX/. I was denied benefits on XX/XX/XXXX XXXX XXXX I requested reasoning for denial and was told that It was because I got the card after joining XXXX XXXX. I then appealed the denial decision that same day stating that I was requesting benefits under XXXX  SCRA laws. I received an email today, XX/XX/, stating that the appeal was denied.
Product: Credit reporting or other personal consumer reports

My credit report is showing late payments to XXXX XXXX XXXXXXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX 's customer service representative.
Product: Checking or savings account

Ally bank says that only primary account holders get monthly statements for accounts. I am a co-holder on a joint account and they will not send me the monthly statements.