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

I am having a re-occurring problem with my Belk Rewards Mastercard account closing out completely.My husband and I go online each month and pay our monthly bills and this one bill in particular keeps mailing me more hogus-bogus $ XXXX- {$500.00} each time I get it all paid in full the first time.I have called and got it all explained about how my husband and I have already paid it and then how the account on my bill had changed completely, so I told them that I was not responsible for the fraudualant changed account number.This company never stop harrassing me with fraudulant bills still being sent to my residence and has me still oweing something more and more, under a : XXXX # : XXXX. Noy my account number at all.The address is:XXXX XXXX XXXX XXXX XXXX. Send payment to : XXXX XXXX, XXXX. I want a law suite if this is still on my credit card credentuals that will show neglagence on ever getting resolved and changes being made every so often for more money being owed and not my responsiblity to pay any longer.S.B.
Product: Checking or savings account

My XXXX XXXX XXXX and used to open a checking, savings, and personal loan accounts in XX/XX/XXXX with XXXX XXXX XXXX XXXX. I filled out their identity theft kit and had a XXXX XXXX XXXX XXXX XXXX employee notarize it. I submitted it to that employee the same day on XX/XX/XXXX. I've called in 3 times since then. I was even asked to email the identity theft kit notarized by their own employee to them because they couldn't find it. 

I emailed a digital copy on XX/XX/XXXX to " XXXX ''. I still have not received a response.
Product: Credit reporting or other personal consumer reports

Transunion has failed to fulfill it legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Transunion, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Transunion has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend disputed accounts, as Transunion 's inaction violates federal law and my rights as a consumer.
Product: Credit card

On XX/XX/XXXX a card was requested from Chase in my name and I was made aware by my XXXX service of a hard inquiry to that end. On XX/XX/XXXX a second account process was started and the first was accepted. On both the XXXX and the XXXX I called Chase to request these accounts cancelled and all further such requests denied and reported as fraudulent. I have placed fraud alerts and freezes on my credit, but on XX/XX/XXXX my parents received mail from Chase regarding a card application and on today XX/XX/XXXX, I received an email stating the same. I have not yet contacted Chase today, but the continuing barrage of applications specifically with Chase and the labyrinth of their outsourced customer service makes this continued game of whack a mile both frustrating and disconcerting.
Product: Mortgage

My name is XXXX XXXX. My property address is XXXX XXXX XXXX XXXX NY XXXX Before Pandamic, Everything was going fine until the Tenants stop paying rent from XX/XX/2020, I have to go towards Forbearance plane which my mortgage company ( Shellpoint MTG ) was offering.I was in continuous negotiations with them and they left my house without paying me anything. I started making payments to mortgage from my pocket {$2500.00} where actual payment was {$3300.00} a month I have not able to work more hours yet and when i tried to talk to them about Loan Modification, The Representative named XXXX is telling me that they cant do anything about it And i have to pay {$3500.00} now and i am not qualified for ( Loan Modification ) company https : //www.shellpointmortgageservicing.com/ # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I monitor both my FICO credit score and Vantage credit score for all three credit reporting agencies, XXXX, XXXX, and Transunion. On XX/XX/2023, my Transunion credit score using the VantageScore 3.0 scoring model decreased XXXX  points from XXXX to XXXX without any significant change in my credit report data and without any explanation provided as to what would cause such as significant drop. On XX/XX/2023, my XXXX credit score using the VantageScore 3.0  scoring model decreased XXXX  points from XXXX to XXXX without any significant change in my credit report data and without any explanation provided as to what would cause such as significant drop. These are very large score drops, and as result I am questioning the validity of this scoring model and it's use by organizations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I RECENTLY CHECK MY CREDIR REPORT AND NOTICED THESE FRADULENT ACCTS. 

XXXX XXXX XXXX/ ACCT : XXXX/ ACCT OPENED XX/XX/XXXX {$300.00} XXXX XXXX/XXXX XXXX XXXX / ACCT OPENED XX/XX/XXXX {$85.00} XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX ACCT OPENED XX/XX/XXXX {$640.00} XXXX XXXX XXXX/ XXXX XXXX / ACCT OPENED XX/XX/XXXX {$830.00} XXXX XXXX XXXX/ XXXX XXXX/ ACCT XX/XX/XXXX {$570.00} XXXX XXXX XXXX XXXX /ACCT OPENED XX/XX/XXXX XXXX {$150.00} INQUIRIES : XXXX XXXX XXXX / XXXX XXXX/ XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX XXXX/ XXXX/ XXXX/ XXXX XXXX/ XXXX XXXX
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following items which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
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 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: Credit card

Upon reviewing my XXXX consumer credit profile, I noticed a pre approved credit card offer. I took advantage and submitted an application only to be denied. That is false and misleading practices as well as denying a consumer access to their own credit. My application was submitted in good faith and under the impression that I was pre approved. It is my right to be extended credit and not to be discriminated against in any way in accordance with the Equal Credit Opportunity Act and the Consumer Credit Protection Act. 

My SOCIAL SECURITY NUMBER was provided which means there is a consumer credit transaction because there is a consumer involved. Denying me access to my securities is securities fraud.
Product: Money transfers

i am closing on a house in 2 days and capital one 360 has {$100000.00} of my money and refuses to wire transfer the money to the title company or the account where funds originated. i have been trying to get this money wired out of this account for 2 day. i have spent over 10 hours on the phone, mostly on hold, with the only result being " we can not guarantee that the funds will be transferred because your account has not been open for 60 days. '' they will not even wire the money back to my personal checking account because it has not been open for 60 days. this is not in their disclosures available online. in my calculation it has been 59 days that the account has been open and they still refuse to make a work around. the only answer that i get is " those are our rules '' when pressed as to the severity of the situation and asked for a supervisor the response was send XXXX. they are the only way to escalate the problem. well i sent that address an email and it was refused. 
basically i may have lost not only {$25000.00} in earnest money but the hose that has been being built since XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

accordance with the Fair Credit Reporting act 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 XXXXXXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Mortgage

The company intentionally and systemically creates barriers to payment processing causing delayed payments and negative credit reporting. The payment processing website used by this mortgage servicer was constantly offline on  XXXX   XXXX ,  2017 , which was the last day to make a payment before my account reported  as a 30-day l ate. The hold times with the customer service department were extensive and I was not able to get an agent on the phone to pay over the phone. On the following day  XXXX   XXXX ,  2017  I was able to log into my account but the payment portal stated that payments can only be dated until the prior day  XXXX   XXXX ,  2017 . When I finally reached a call center agent, they advised me that it was a known glitch on the  XXXX  and  XXXX  of every month their system stops accepting payments online. The only way to process a payment was with that agent but they would charge an additional {$20.00} convinience fee. This is not a convinience when all other methods of expedited payment are turned off because of their glitch. I believe this organization intentionally and systemically causes customers to accrue additional finance charges, and turns off payment options when customers are pressed to make a payment in ord er to drive them into a payment option with a {$20.00} charge to make more money off their customers.
Product: Mortgage

After resolving case # XXXX, Seterus has started sending statements that do not reflect the current balance, but a future balance, which include late fees if not paid by a date that is more than XXXX ahead. I have lost confidence in this loan servicing company and do not feel I should have to refinance to get away for them. I am requesting your assistance is getting away from this loan servicer due to their failure to provide fair and courteous service to someone who has an excellent payment history. This company is a collection agency and is acting as if our account is in collections. We should not have to feel that we are under a microscope by the way this company does business. They should not be allowed to act as if you are late, before you are late. The payment was made on XXXX/XXXX/2016, prior to the statement date.
Product: Mortgage

In XX/XX/2023, I received a letter from my new mortgage company ( Specialized Loan Servicing ) stating that I needed to drop my current fire insurance company ( XXXX XXXXXXXX ) because XXXX XXXX was no longer an " A '' rated company. Supposedly they dropped to a " B '' rated company. I called Specialized Loan Servicing and spoke to a respresentative. I explained that my rental house in XXXX had received damage due to the heavy snow fall last winter and that I had a current claim out with XXXX XXXXXXXX to repair the damage. I explained it would be stupid to drop my insurance company now when I am in the middle of a claim. I also mentioned that I have been with XXXX XXXX for about 45 years and that this " B '' rated company must be fairly good because they have been paying the construction bills along the way from the snow damage. 

On XX/XX/2023, I received a letter in the mail from Specialized Loan Servicing stating, " to prevent the placement of forced insurance, your reponse is required. '' I immediately called the mortgage company. ( After XXXX minutes and XXXX seconds of pushing buttons to go through their voice messaging system, I finally got a live body on the phone to talk to. ) In talking to the rep, I find out that insurance had already been purchased. I said I just got my letter today. The rep said their letter was dated XXXX and that they purchased the insurance on XXXX. One day earlier than when I received my letter. 

I explained that I don't need double fire insurance coverage. The rep said that I should read the XXXX XXXX of the new fire insurance company, or call them, to see if they will honor the current claim that is outstanding from XXXX XXXX. I said this is called a pre-existing condition and that no insurance company is going to pay someone else 's bills. The rep said it is my problem and that I will just have to take that up with the new fire insurance company because Specialized Loan Servicing only deals with " A '' rated companies. 

This is called XXXX XXXX XXXX. I believe it is unfair in my situation. I have been with XXXX  XXXX for about 45 years. I am in the middle of a claim from the snow damages. Dropping them in the middle of a claim would be foolish. 

On a side note that you should be aware of. I decided to check the ratings of Specialized Loan Servicing. From the report that I read, there were XXXX reviews with a total score of XXXX out of a XXXX scale. That is pretty low. In my opinion that is about a C/D rating. I used to have XXXX XXXX as my mortgage company. For some reason they sold my account to XXXX XXXX XXXX. I think it is only right that a consumer should have some say on when one mortgage company sells their loan to another company. I sure wouldn't have said yes for my loan to be sold to Specialized Loan Servicing, a C/D rated company.
Product: Credit card or prepaid card

On or around XX/XX/2020, via XXXX, I received a debit card in my name from US Bank. I do not have an account with US Bank, nor have I ever inquired about opening an account with them. I tried calling an 800 number for US Bank that was provided in the accompanying paperwork but no one ever answered the phone call. I did some research online and apparently these cards are being sent out to people who may have had their identity stolen in the past and the fraudsters may be trying to collect unemployment insurance using these stolen identities and use the cards to obtain their ill-gotten gains.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently applied for a credit card and notice that my XXXX  XXXX Credit Card Acct # XXXX XXXX XXXX XXXX that was opened in 2016 was not reported on my credit report for any of the bureaus. Please report my XXXX  XXXX Credit Card Acct # XXXX XXXX XXXX XXXX payment history and current account information to all three bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were 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 relating to any transaction by the consumer. 
XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$690.00} ; XXXX XXXX ( OriginalCreditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$960.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$1000.00} ; XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) XXXX BalanceOwed : {$1000.00} ; XXXX XXXX Balance Owed : {$680.00} ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX ; XXXX XXXX XXXXXX/XX/XXXX.
Product: Mortgage

My husband purchased a 3 bedroom townhouse in XXXX XXXX on XX/XX/XXXX. The loan was with XXXX XXXX XXXX. My husband XXXX on XX/XX/XXXX and willed the house to me. I always paid the mortgage payment online. On XX/XX/XXXX XXXX XXXX XXXX started communicating with that I was in areas. They alleged that my last payment was XX/XX/XXXX. They accelerated the loan one month later on XX/XX/XXXX. I continued to make my payments online and they accepted the payments XX/XX/XXXX; when they sent my account to Carrington Mortgage Services. When Carrington received my account they would not accept any payments ; however not before XXXX XXXX XXXX filed foreclosure on XX/XX/XXXX while my account was current. XXXX XXXX XXXX would n't accept my bank records or my continued calls asking them to research the situation. They just would n't entertain my attempts to show and prove that my payments were current. Recently I spoke to a person at Carrington research department and she wanted to know why I had n't made payments to them. I told her that every time I sent a payment would n't accept it until I pay the past amount due which is in the thousands now. For at least a year now I have sent Carrington all the documents they have ask for. My husbands XXXX certificate, succession papers, complete bank statements, also my bank has sent official document showing electronic payments to and accepted by XXXX XXXX XXXX, a long with amounts paid- last four of  the accounts and electronic tracking numbers. After all the documents that I have sent now they are asking for copies of front and back cancelled check ; which of course I do n't have because the payments were paid electronically. I am XXXX years old and XXXX, I rely on my daughter to help me with actives of daily living. I do n't want to lose my home. I do n't know what lese to do PLEASE HEPL! I 'm on a fixed income and can not afford an attorney.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX in Oklahoma, has multiple times reported incorrect information to our credit reports. I have reported to the BBB and it was fixed for a short period of time then it was all removed. My score has dropped to the XXXX from XXXX because of it. I looked at the reviews online for this company and there is over XXXX consumers complaining about the same problem. Our mortgage was sold to them during Covid. Since they have destroyed our credit it has cost us tons of money! The hit to our credit is now preventing us from refinancing with a different company. I am contacting a lawyer! They have already been sued!
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items deleted from my credit report immediately. I am attaching proof that Equifax had admitted that I was in fact a victim of this breach, and have done nothing to rectify the situation. Please help me remove the illegal account reportings from my credit report. 

XXXX XXXX Acct # XXXX XXXX  XXXX Acct # XXXX XXXX  Acct # XXXX XXXX XXXX Acct # XXXX XXXX  XXXX Acct # XXXX XXXX  XXXX XXXX XXXX Acct XXXX XXXX XXXX  Acct # XXXX XXXX Acct # XXXX XXXX  Acct # XXXX XXXX  Acct # XXXX XXXX Acct # XXXX  XXXX  Acct # XXXX XXXX  Acct # XXXX XXXX acct # XXXX XXXX XXXX XXXX Acct # XXXX I am requesting that these late payments and accounts be deleted from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I'm reaching out to request that you investigate a credit file that continues to linger on my credit report with XXXX and XXXX report. I have filed numerous disputes directly with credit reporting companies to remove Procollect , INC from my credit report/file. Procollect continually fails to provide sufficient documentation that I owe them the amount they claim. In addition, Procollect can't furnish proof that this is my account and continuously report on my credit report. Under the Fair Debt Collection Practices Act ( FDCPA ), the action taken by Procollect INC, XXXX, and XXXX violates my consumer rights because the companies fail to provide proof or documentation that this is my account. I have provided sufficient evidence that this is not my account and filed multiple disputes directly with XXXX and XXXX. I am also in the process of filing a complaint with the XXXX Attorney General 's Office. I have supplied proof of final payment and emails stating that I paid my last month 's rent on XX/XX/2021. I've attached proof of payment. 

Please advise because I am tired of being hassled by XXXX XXXX at Procollect, who has restricted anyone within the company from taking my calls and addressing my concern or filing disputes with the company. I have good credit, and this shouldn't be on my credit. 

Thanks in advance for your consideration and understanding.
Product: Debt collection

I received calls and letters from General Revenue Corporation about a debt they claimed i owed. They threatened me that if i dont pay they will mess up my credit and sue me. They messed up my credit score. I was very afraid and started making some payments. After paying over {$1000.00} to the collection agency even without them providing verification, they claimed that all the money i have paid were just applied towards their collection fee and not the so-called debt. I sent out a request for debt validation and verification ( Original contract signed with creditor with my signature ). They refused and failed to provide the required verification that meets the Fair Debt Collection Practices Act. They started shout and yelling at me over the phone and told me that they will not provide any more verification of the debt ( Original contract signed with creditor with my signature ). Instead they sent me a statement list all the previous payments I had made on the debt. I am requesting that they delete this unverified account off of my credit report or provide me the Original contract signed with creditor with my signature that shows that their claim that I am the person who owes the debt. They have been violating my Rights and Defamed my Character for over 3 years. My credit score has suffered terribly as a result. I have been denied apartments and credit as a result of their bullying and fear tactics and refusal to do what is lawful and to stop this illegal act against me. I am filing this complaint as another opportunity for them to do what is right and I am also filing this request as proof that i will use when i sue them according to the FDCPA.