23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I made a payment on XX/XX/XXXX online for my mortgage. Their online payment form is simple. Select a bank account FROM, select a loan TO, indicate any OVERPAYMENT, and include a MEMO. I rounded my payment up to {$1400.00}. On XX/XX/XXXX I noticed that my checking account still had funds in it. This is typical of Wells Fargo ( they take their time pulling payments - MUCH longer than others, so I have to carefully track them ). I called in to ask and spoke with XXXX - he informed me it was " user error '' and scoffed at me. I escalated it to XXXX # XXXX ( I read the entirety of this complaint to him over the phone for validity ). I filled out the form online again to submit the original MORTGAGE payment amount, and added a MEMO. The form would not allow me to add anything in the MEMO INPUT FIELD - useless and broken. The form was also broken when submitting this on XX/XX/XXXX. I want to document this issue since at this point in time. I already paid this again on XX/XX/XXXX. I've not had any financial loss from my checking account nor did my account go below the amount needed to cover anything - however I've had to carefully watch Wells Fargo and make sure they do their job correctly - and sometimes ( like today ) call them due to inexcusable errors on their end.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working on repairing my credit after I found out I was involved in the Equifax security breach, so I started from the bottom and worked my way up. Well, I requested all my credit reports and I got examining them and I noticed that on all 3 reports there are several inquiries I did not authorize. So, I began the steps I sent in countless letters for removal they never removed them, now this costs money because stamps and overnight mail is not cheap, I emailed and nothing, I called and nothing, send more letters and nothing they keep saying they are not authorized to remove the inquiries. So, I called in and got the same answer. Now, my brother sat at my house and used my phone and called all 3 bureaus and asked them the exact same thing I did about having only certain inquiries removed that he had no knowledge of and withing 5 minutes he had 33 inquiries removed from all 3 bureaus with no questions ask! Well, I followed suite of him and called and said the exact same things he did and I got the same answer that they are not allowed to removed inquiries from the report, but they removed all his withing 5 minutes! And my brother is not the only person I know that has had inquiries removed from their report just from a phone call! My question is why do they do it for everyone else but refuse to acknowledge mine and remove them. I am not requesting everything removed just the ones I have questioned that I know for a fact I did not do! I believe this is showing favorite to certain people and also discrimination as to pick and chose who you want to remove items for. I have spent over {$200.00} in postage the past few months to no prevail at all and my brother and others make one simple phone call and boom things are removed! Absolutely not fair business at all! Also, all 3 bureaus do not follow suite with each other like I have ask ... I have also sent in letters, emails and phone calls about that too and each bureau is reporting different information when they should be all reporting the same like I ask. This is ridiculous and is negatively hurting my score because of their wrong doings!
Product: Credit reporting or other personal consumer reports

I have disputed the information and it came back verified without showing the reasons. Also, the car I purchased was for {$13000.00} and it is showing {$20000.00} on my credit report.
Product: Debt collection

Disputed the inaccuracies of XXXX XXXX  on my credit report with Experian on XX/XX/XXXX. Company received my disputes on XX/XX/XXXX as it shows according to the certified mail. It is now XX/XX/XXXX and I've yet to hear back. The FCRA gives the company 30 days to respond. I have not gotten a response.
Product: Credit reporting or other personal consumer reports

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Employer XXXX XXXX XXXX Incorrect Name : - XXXX XXXX XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX, XXXX XXXX, NJ, XXXX Incorrect Previous Address : - XXXX XXXX XXXX, XXXX, NJ, XXXX Listed below are the Accounts that are being challenged XXXX - XXXX XXXX XXXX XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXXisted below are the Public Records that are being challenged Federal - XXXX Listed below are the XXXX that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : XXXX CFR PART XXXX [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!
Product: Debt collection

I had a XXXX XXXX credit card which I used frequently. I became XXXX during the pandemic and had to stop working. My XXXX XXXX payments were delinquent and XXXX XXXX sold my account to a third party collection agency who were extremely aggressive and disrespectful to me over the phone. I asked the representative to help me pay a lower amount to use whatever workout plan that Midland had for customers who were in hardship from the pandemic. He said they do not have any such thing but could offer a discount of only 10 percent if I paid XXXX XXXX monthly. I was unable to keep up and the 10 percent was placed back on my balance. They sent me a schedule to pay XXXX dollars per month for 18 years. I can not afford this either.
Product: Credit reporting or other personal consumer reports

I am writing to request the removal of certain items from my credit profile. These charges are the result of identity theft, and I did not authorize them. I kindly ask that these items are removed and deleted in order to correct my credit report and so i can move forward with housing. i reported the theft of my identity to the Federal Trade Commission and i have also enclosed copies of the Federal Trade Commissions Identity theft affidavit.
Product: Mortgage

Since XX/XX/XXXX, NewRez LLC/Shellpoint Mortgage Servicing has wrongfully withheld insurance settlement proceeds for a claim related to hurricane damage to my home. These funds, intended for repairs to NewRez 's collateral, were placed in a monitored escrow account after reaching NewRez 's {$40000.00} threshold, as confirmed by their Loss Draft procedures. 

I complied with all requirements, submitting endorsed settlement checks, contractor invoices, receipts, and inspection reports verifying XXXX  % repair completion ( XX/XX/XXXX ) and XXXX  % completion ( XX/XX/XXXX ). Despite this, NewRez has failed to release any progress draws, impeding my ability to complete repairs and fulfill my mortgage obligation to restore the property. 

Under XXXX Revised Statutes 6:337 ( A ) and ( C ), NewRez is required to hold these proceeds in a segregated, interest-bearing escrow account and credit all interest to me. Per 6:337 ( D ), I am entitled to a full accounting of the account, which I demanded in an email and letter to NewRez 's claim processor, NewRez 's Loss Draft Director and VP of Compliance in XXXX, XXXX on or before XX/XX/XXXX. NewRez has not responded, provided the audit, or released the funds by the XX/XX/XXXX deadline, violating state law. 

XXXX XXXX XXXX, NewRez 's agent, has exacerbated the issue by reassigning my claim to new associates at least XXXX times since XX/XX/XXXX without notice, leading to unresponsiveness and lack of transparency about the escrow account. This pattern of delay and mismanagement mirrors complaints reported to the CFPB and XXXX about XXXX XXXX XXXX handling. 

The withholding of these funds has caused financial strain, delayed repairs amidst post-hurricane challenges ( labor/material shortages, rising costs ), and prevented me from fully restoring my family 's sole residence. NewRez 's actions constitute unfair and deceptive practices, harming me as a consumer. 

What Happened : XX/XX/XXXX : Filed insurance claim for hurricane damage. 

XXXX XXXX : Submitted all required documents ( checks, invoices, receipts ) to NewRez/XXXX XXXX XXXX XXXX with delivery receipts. 

XXXX : Funds moved to escrow after reaching {$40000.00} ; repairs progressed with NewRez 's assurances of progress draws. 

XX/XX/XXXX, and XX/XX/XXXX : NewRez-contracted inspectors verified 65 % and 90 % repair completion. 

XX/XX/XXXX and XX/XX/XXXX : Sent demand letters to NewRez for escrow audit and fund release, per La. XXXX. XXXX XX/XX/XXXX : NewRez failed to respond or comply.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trying to communicate with Equifax to temporarily lift a credit freeze I have on account with them & I can not contact anyone either on-line or by phone since XXXX and its currently XXXX. I provided a call back number as they suggested, and they have not called back. I tried on-line and it states that they could not help me at this time. 
I had no issues with XXXX XXXX or XXXX temporarily un-freezing my accounts on-line but Equifax has not been available on-line or on customer service phone. 
Very poor service and client support. Highly inefficient in this day and digital age.
Product: Credit reporting or other personal consumer reports

A hard inquiry was done on my credit report from XXXX XXXXXXXX on the XXXX of XX/XX/year> I contacted them on the XXXX, the XXXX, the XXXX they have failed to dispute this inquiry Someone has filed for a credit card on two occasions fraurantly with my information.
Product: Checking or savings account

I have opened a chime bank account and transferred my money from my old bank account to this new chime one, it was a XXXX XXXX transfer from XXXX to chime. At first they restricted the account and asked for documents to get it unrestricted, they did nothing. The other day they locked my account and I called numerous times and sent emails to get back into my account as all my money is in it. Now today I wake up and get emails saying all my accounts with this bank have been closed with all of my money still in them.
Product: Money transfer, virtual currency, or money service

I have a Coinbase account and when I deposit money into it, it takes seconds. Trying to withdraw can take hours or days lately. Still waiting on .XXXX ( {$1400.00} ) to arrive the account I transferred it to. Coinbase said it only takes minutes for transactions, sure, if you are putting money in.

I contacted Coinbase and was told there was just a backlog ... but its costing consumers like myself a lot of money. As soon as this transfer is complete I will be closing account.

Hopefully someone will investigate Coinbase.
Product: Debt collection

Transworld Systems reported inaccurate, negative information on my credit report to the big XXXX consumer reporting agencies ( XXXX, XXXX, and XXXX ) for a debt that does not belong to me. The collection ( opened on XX/XX/year> for {$490.00} ) purportedly involves a XXXX XXXX account. 

I called XXXX XXXX years ago when it first attempted to collect this debt. XXXX confirmed the account neither belonged to me nor did it have any record of an outstanding balance associated with my name. At the time, XXXX 's collector discontinued collection efforts and returned the account to XXXX. Additionally, XXXX confirmed that the account in question belongs to a consumer who has a XXXX  address. I've never lived in XXXX. 

This is an illegal parking of debt without written notice that violates the FDCPA. 

Please discontinue this collection attempt and remove the negative information to the the big XXXX consumer reporting agencies.
Product: Credit reporting or other personal consumer reports

Clarity Services XXXX XXXX. 
XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Subject : Request for Removal of Inaccurate Addresses, Update of Correct Information, and Security Freeze Dear Clarity Services, I hope this letter finds you well. I am writing to dispute certain addresses listed on my credit report that do not belong to me. I kindly request that you remove any incorrect addresses and update my credit profile with my actual correct address. 
My correct information is as follows : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX Please find attached copies of my driver 's license and a recent utility bill as proof of my accurate address. 
In addition to the removal of inaccurate addresses, I request that you place a security freeze on my credit report to protect my personal information from unauthorized access. 
Thank you for your prompt attention to this matter. Please confirm in writing that the necessary changes have been made and that the security freeze has been placed. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested multiple times for XXXX to reinvestigate a bankruptcy being reported on my credit report. I provided proof that XXXX has reinvestigated my claim and removed the inaccurate reporting of a bankruptcy on my credit report. Still XXXX refuses to reinvestigate after I have provided additional information that I don't have a bankruptcy on file. They asked for proof, I provide proof but they still refuse to reinvestigate.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. THE BUREAUS and XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

To whom it may concern at credit card disputes department, My name is XXXX XXXX My social security number is XXXX On XX/XX/XXXX I applied for a Citizens Bank credit card ONCE. 
On my XXXX Credit report it shows TWO hard inquiries on the same date of XX/XX/XXXX please have ONE removed because is a duplicate mistake! 
My number is XXXX if you have any further questions. 
With gratitude, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, someone attempted to get CBNA credit in my name. I immediately contacted CITI. The representative said, " If you had not contacted us, we were going to contact you. '' The CITI representative notified all three credit bureaus. XXXX XXXX and XXXX immediately removed the fraudulent inquiry. XXXX has refused despite numerous disputes.CITI provided a fraud alert on my file with all three credit bureaus. 

Today, I spoke with XXXX supervisor XXXX XXXX, who was patronizing, uninformed, and perfectly satisfied with leaving a fraudulent hard inquiry on my account. I asked XXXX XXXX to add a consumer statement regarding this situation. As of this writing, he has not. I have filed SIX disputes since XXXX. 

I respectively ask that the CITI and XXXX immediately remove the fraudulent CBNA hard inquiry on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good afternoon, I have summitted three complaints and disputes to Experian informing them of incorrect inaccurate credit reporting to them on the following dates : XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have forwarded them previous XXXX XXXX credit report highlighting the discrepancy of Date of Last Activity, ( DOLA ) with XXXX  is XX/XX/XXXX and Experian reported XX/XX/XXXX. XXXX  reported correct reporting in terms of Date of Last Payment on XX/XX/XXXX ( DOLP ), Date of Last Reporting and Date of Last Activity, ( DOLA ) as XX/XX/XXXX. However, Experian reported no last payment on record and their last Date of Activity was XX/XX/XXXX. I thought that the creditor reports the same information to Experian and XXXX. I even contacted XXXX / XXXX XXXX XXXX and obtained copies for the disparities of reporting between XXXX  and Experian. Experian did not carry out a proper investigation and provided copies for the same individual who carried out credit dispute. I am requesting this negative and inaccurate account to be removed from my Experian Credit Report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is for EQUIFAX, I sent them a letter regarding the inaccuracies in my report such as amounts reported like the balance, date opened, date reported, payment status, etc dated XXXX XXXX. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However, when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. 

My rights have been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 an account without my written instruction.
Product: Credit reporting or other personal consumer reports

In early XXXX, I took the initiative to order a copy of my XXXX XXXX XXXX, only to discover a substantial number of inquiries into my XXXX credit report. Puzzled by the frequency of these credit checks, which occurred almost daily, I promptly composed a letter on XX/XX/2023, addressing XXXX, Credit Karma, and XXXX XXXX. In accordance with the Fair Credit Reporting Act, I emphasized their obligation to inform me of the timing and purpose behind their attempts to access my report, asserting that I had not granted them consent for such actions. I explicitly requested the removal of any unauthorized inquiries from my credit report. Unfortunately, despite the passage of well over 30 days, I have yet to receive any response from these entities. 

On XX/XX/2023, recognizing similar unauthorized inquiries from XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXXXXXX and XXXX XXXX , I promptly dispatched letters to each of them. Citing the Fair Credit Reporting Act, I underscored the prohibition against consumer reporting agencies furnishing records of inquiries not initiated by the consumer in connection with a credit or insurance transaction. These unauthorized transactions, therefore, are deemed illegal, as I did not initiate any of them. 

I am adamant about rectifying this situation promptly and insist on the removal of all unauthorized inquiries from my credit report. It is imperative to stress that I have never granted permission for any entity to inquire into my credit, and I expect immediate compliance with the Fair Credit Reporting Act to rectify this matter.
Product: Mortgage

ditech sent me a Notice of Serving Transfer letter dated XX/XX/XXXX19. I received this letter on XX/XX/XXXX19 which is less than 15 days from the transfer effective date ( XX/XX/XXXX2019 ). I've received mortgage Serving Transfer notices from other banks usually 60 days before.transfer effective date. 

Ditech 's delay in sending out this notice gives me very little time to react to the impending transfer to XXXX XXXX XXXX XXXX, VA. For example, I may elect to payoff my mortage or refinance to avoid doing business with the new mortgage servicer. In this case, XXXX XXXX appears to have poor customer rating which concerns me. 

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

Basis for dispute : Account XXXX : XXXX XXXX, Account XXXX : XXXX **Inaccuracy of information. The Account information reported is incorrect. 
Account XXXX : Digit sequence show a discrepancy. Date of Last Activity : Different dates : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Equifax ). Date Reported : Equifax shows XX/XX/XXXX while XXXX and XXXX show XX/XX/XXXX, Date Opened : XXXX shows XX/XX/XXXX and XXXX and Equifax show XX/XX/XXXX, Closed date : Only reported for XXXX, Last Payment : Equifax shows XX/XX/XXXX while XXXX and Equifax show XX/XX/XXXX and Two-Year Payment History : Significant discrepancies in payment history. The inclusion of this erroneous information is causing significant and unjustified harm to my credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX  and Transunion should not be reporting a collection in the amount of {$11000.00} on the XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) Payments are automatically being deducted bi-monthly. I have attached ( 3 ) documents the first document is an accounting from the Florida  Department of Revenue from XXXX to XXXX showing every bi-monthly payment that has been made and continues to be made to date. The second document attached is from the US Department of Treasury showing a payment of {$4100.00} made on XXXX and a payment of {$420.00} on XXXX. These are additional payments that had been made as well. The third document is showing the additional payments that are being made in arrears. The current balance reporting is incorrect in addition, because payments are being made, the coding of this line item needs to be changed to a 01 and should not be reporting as a collection. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful. XXXX anymore.
Product: Mortgage

Ocwen ServicING are charging a lot of miscellaneous fees, high forced placed homeowner, flood, mortgage guaranty insurance.. Which causes escalate mortgage escrow payments .Therefore, we find it impossible to maintain payment. Also, Ocwen closed our mortgage in 2012 according to our credit report but kept mortgage in our name continued to bill us for the mortgage ..
Product: Credit card

I signed up for the XXXX dollar bonus from Bank of America. I got the credit card in XXXX. The deal is to spend aleast {$1000.00} in 90 days. I hit the limit offer in like 2 months which is less than the agreement so I qualified for it. I tried calling in XXXX to see when I was going to get the bonus. The said there was no sign of a bonus. I told them about the XXXX dollar bonus offer and they said the only thing that was on there was a 2.5 % cash back. No sign of my bonus. It is XXXX and i still have not recieved it.