23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I refinanced my mortgage in XX/XX/XXXX. A new lendee, Mr. Cooper purchased my loan almost immediately. I provided all information requested by Mr. Cooper, including a copy of my condo homeowners policy. Mr. Cooper notified me that my insurance policy was inadequate because it did not have hazard insurance. My insurance policy has always had hazard insurance, so I provided additional documentation. For the next five months, I would receive weekly letters saying that I needed to provide documentation that I had already provided. I continued to provide copies of the policy as requested. Mr. Cooper notified me that they would withdraw up to {$850.00} to ensure that hazard insurance was purchased. I objected to any withdrawal because the documentation clearly stated that hazard insurance was part of my policy. Mr. Cooper withdrew the funds from my escrow account anyway. Finally, I was able to get a three-way call with a Mr. Cooper representative and my insurer and we discovered that the reason Mr. Cooper wasn't able to see that hazard insurance was part of my policy was that they expected to see it on page 1, but it was on the first line of page 2, which they had never turned the page to see. Since XXXX of XXXX, Mr. Cooper has acknowledged their error, but has not refunded the full amount withdrawn from my escrow account. They have replaced {$400.00} dollars, but can not explain why the remainder has not been refunded. I contacted my insurer and their records show the check for {$620.00} was cashed in XX/XX/XXXX. Because the funding was withdrawn from my escrow over my objections, my escrow account now is short ~ {$400.00}. Mr Cooper has now raised my mortgage rate to pay for the delta that they caused by the improper withdrawal of funds. They are refusing to refund the remainder of the funding. They say they will not do so until the total amount of the insurance payment is refunded to them. This makes no sense as they have already refunded {$400.00}. This issue has now been ongoing for a year and despite regular calls to Mr. Cooper customer service and escrow departments, is not resolved.
Product: Credit reporting or other personal consumer reports

I am a survivor of debt bondage, a form of XXXX XXXX  where I was forced into accumulating debts under coercive circumstances. This situation has resulted in several derogatory marks on my credit report. I am currently being assisted by a representative from the XXXX XXXX, an organization dedicated to supporting XXXX XXXX  survivors. We are invoking Section 605C of the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to remove adverse information linked to trafficking once an official claim has been filed.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My daughter and I went to 5th 3rd bank to open a saving and checking account and while opening the account she told both of us that we were approve for a no interest credit card, she gave us papers to sign and said the card would be to us in a few days, we told hard that we did not want a hard inquire on our record and she told us that the bank only pull soft inquire. We wrote the bank with a complain and they said we have your signature on the forms so that is our problems. We were trying to fix our credit and they just hurt us by there person that lie to us. We just would like them to remove the hard inquire
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX i never signed for any of these charges and I never provided my credit card as none of these charges show that my credit card was swiped or used. 

I contacted WF when I saw the charge on XX/XX/XXXX that this was not my charge and that I had heard from XXXX that they had issues with charges being placed on credit cards from information they had obtained. XXXX directed me to contact WF to remove the fraudulent charges. I asked WF to block this merchant so it would not occur again and they stated they blocked them. I contacted WF and asked them to block this merchant every time another charge appeared the next month. WF told me they blocked them but failed to do so. Finally, the last month a charge appeared WF informed me that it showed that I requested to block the merchant but the prior reps had not properly blocked the merchant so this rep blocked them. Then no more charges appeared. 

I have filed this Complaint and Reconsiderations with Wells Fargo multiple times and they just ignore it, fail to remedy, and state that I am responsible because I continued to pay on the account as several letters from WF state. They claimed it was sent to fraud and nonfraud. 

I was told immediately that the person handling this matter was new and failed to properly file the claim. WF may then have been out of time to file the claim so failed to resolve it. 

i will never pay for these charges as they are not my responsibility. WF mishandled the claims all along and are responsible to correct them. This has taken up huge amounts of my credit, caused huge interest charges, and lowered my credit as a result.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have TD CREDIT CARD ENDING XXXX since 2008 almost 13 years of credit history recently they reduced my credit limit from {$11000.00} to {$7700.00} in last one year because they said you are HIGH RISK customer I am keep making more than minimum payment and if they provide credit limit that I should use up to credit limit but they go credit scores and if scores fluctuate they. Also fluctuate my credit limit. I told them to reduce as much as up to {$500.00} credit limit and they warn me that it is going to over limit on your credit report. Why they threaten customer like me and keep doing this kind of practice! Everyone try to improve their credit score and this type of credit card bank keep hammer on our credit score and make worst look on financial world.
Product: Credit reporting, credit repair services, or other personal consumer reports

Medical debt under {$500.00} reporting to all three credit bureaus. Reporting medical debt that has already been paid to original creditor. 

XXXX XXXX : XXXX XXXX XXXX  {$51.00} {$120.00} {$120.00} {$120.00} {$700.00} XXXX XXXX {$150.00}
Product: Student loan

Loan amount taken out was {$22000.00} in XXXX. Balance still owed is {$22000.00}. Been paying every month for years at 5.5 % interest rate. Payment is {$130.00} a month now and {$99.00} is applied to interest and fees assessed. It has been 11 years without anything coming off the principal.
Product: Credit reporting or other personal consumer reports

All three Credit Bureaus ( XXXX, Equifax, and XXXX ) had put a restriction on my abilities to submit a Dispute Online and enjoy their free services on my free accounts. I will need for all three of them to remove the restriction on my accounts so I can submit my online Disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Experian about the following negative accounts XXXX XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$15000.00} ), XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX, Balance : {$120.00} ), XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$2400.00} ), XXXX  XXXX XXXX ( Account Number : XXXX, Date XXXX, High Credit : {$5000.00} ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Debt collection

I assume this is regarding an instrument rental through XXXX XXXX XXXX. When my credit card number changed, they sent me notice the rental had not been paid for the month. Immediately upon receipt, I went in-person to the store and paid. The following day, I got a call from " RTR Financial Services '' about debts I owe. I don't know if these are related, but is the only thing I can think of. The caller asked me if this is __ ( stated my name ) and then asked me for my address. When I said I would not provide my address unless they identified themselves and told me what this was regarding, they responded, " Then I'll need to respectfully end this call '' and then hung up.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting Act, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX have 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: Debt collection

I submitted a dispute for LOCKHART, MORRIS & MONTGO located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I haven't personally spoken to anyone and I have Medical Insurance That Would Cover Any Medical Bills I May Have Had. Upon checking deeper into my credit report I noticed this company LOCKHART MORRIS & MONTGO is there saying I Owe a collectuom and I have NO Knowledge of this account. I have had to dispute this XXXX XXXXXXXX company before and now it has popped up as the above company. I have disputed it again and it was removed and now it has popped back up again. Judging I am getting no where with this I am now trying once again. I have never visited a hospital by the name of XXXX XXXX XXXX. I even called my local hospital to ask them on XXXX and they knew nothing about this. I am asking that this company provide the proper documentation to provide validity of this alleged debt. I am asking that they provide original documentation that supports I owe debt to Lockhart , Morris & mont located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I would also like to see the bill of sale and documentation where I have given consent for this company and any family companies to access any information on my person. This is a direct violation of HIPPA in regards to protecting my medical and personal health information. This also violates my consumer rights to privacy. Also I Have Noticed That This Company LOCKHART MORRIS AND MONTGO has been reported on multiple occasions for trying to illegally charge people for accounts that aren't the IRS. Seems like a scam going on
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not given you written permission to put anything on my credit profile 15 USC 1681b Permissible purpose of consumer reports Subject to subsection ( c ) any consumer reporting agency may furnish consumer report Under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. You have no permissible purpose by law to contact third parties with my private or personal information. XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$31000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$52000.00}, and XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00}. Please remove ASAP.
Product: Credit card or prepaid card

Hello. I have an American Express credit card. I receive the upgrade credit card from the company and will be rewarded with XXXX points if I complete the consumption within the specified time. I have upgraded and completed all requirements. But the company said it wouldn't give me XXXX points.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi there, My name is XXXX XXXX, I am a XXXX XXXX  and have three properties in XXXX XXXX. One primary residence and two rental properties.

One of the rentals was under renovation and another is being rented.

My tenant got laid off during covid-19 lock down and was unable to pay the rent. 
I was mislead by many news in XXXX that missed payments would not be reported for 3 months not to damage credit. So I did not have enough funds in XXXX to pay the rental property since I did not get the rent from Tenant, so I pay balance for 2 months in XXXX thinking it won't damage my credit during pandemic. Next day I receive credit report of a 30 day late payment from united wholesale mortgage that dropped my score by 100 points. 
I called UWM very next day on XX/XX/XXXX of XXXX to ask for forgiveness and help me solve the problem. I explained the situation with misleading news. I explained them that I did not receive a payment for rental property and had to ask for payment assistance ( file attached ). Customer rep from UWM submitted a request and told me I would receive a letter from UWM next 20 days. She also advised to file a dispute with credit  bureaus witch I did same day. 
I just received XXXX  dispute results and it still shows 30 day late payment. 
I received assistance check 1st days of XXXX but the payment was already late and due for 2 months now, so I paid for both months on XX/XX/XXXX. 
I have 2 accounts with UWM and I paid my personal property on time but I did not have funds to cover the rental property. 
I also applied for Economic Injury Disaster Loan on XX/XX/XXXX because my business has hit very hard, I just received application pre approval on XX/XX/XXXX but still don't have funds. ( file also attached ) I believe businesses need to be more supportive during this pandemic, I am building a brand new building and we are finalizing the construction right now, we started construction in XXXX of XXXX, now I have to close on my SBA 504 loan next 30 days and my credit is in 600s. We are talking about XXXX loan and this is a massive impact for me right now. I did not let anyone in my team down and did not furlough any worker in my company to help them, now after paying their weekly income I am suffering the consequences. 
CFPB please help me remove 30 day late payment, I know I was late but not because I was careless. If I have to I could find XXXX news that mentioned that credit would not be affected during pandemic. 
Loan number with united wholesale mortgage XXXX ( account was just refinanced ) Property address : XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX   report number : XXXX
Product: Credit card or prepaid card

Indigo Credit Card closed my account for not using it - I was fine and happy its the lowest card I have I dont even use - All of a sudden I see a bill, fees for there horrible annual rate {$100.00} and a late fee???? How why did they feel to reopen this account to charge me money! I refuse to keep them and pay they lied and abused credit terms after cancelling me
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I see items on my report that is not mine. Items are listed below. 

XXXX XXXX XXXX XXXXXXXX collections XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXX XXXX. XXXX XXXX  - XXXX XXXX & XXXX - XXXX XXXX XXXX XXXXXXXX - XXXX XXXX - XXXX ( Inquiry ) XXXXXXXX XXXX XXXX XXXX ( Inquiry XXXX XXXX XXXX XXXXXXXX ( Inquiry ) XXXX XXXX XXXX XXXX ( Inquiry ) XXXX - XXXX ( Inquiry ) XXXXXXXX XXXX - XXXX ( Inquiry XXXX XXXX - XXXX ( Inquiry ) XXXX XXXX XXXX XXXXXXXX ( Inquiry XXXX XXXX XXXX XXXX XXXX ( Inquiry ) XXXXXXXX XXXX XXXX XXXX - XXXX ( Inquiry ) XXXXXXXX XXXX - XXXX ( Inquiry ) XXXX - XXXX ( Inquiry )
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. My request for the correction or removal of the erroneous information about my account has been diligently neglected by TransUnion. Despite sending them the last letter, dated XXXX XXXX, 2022, for the said request, I have not received any response up to this date, XXXX 2022. Besides, the inaccurate information about my accounts is still on my reports. Therefore, TransUnion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting unverified information. Below are the items that are still reporting on my account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX
Product: Checking or savings account

On XX/XX/2020 i recieved a large deposit from XXXX for my backdated unemployment funds. It was an {$11000.00} deposit into My Current Online Checking account app, XXXX XXXX, and I, XXXX XXXX, withdrew {$2000.00} of My money and my account was frozen and under review the next time I tried to use my Current Debit card. I provided Current bank with all necessary items needed to verify my identity because it was a pretty large deposit and i understand looking into it but they never gave me access to my funds again even after i provided correct documents. They, Current Bank App then stated only in the email that they returned my remaining funds, {$9400.00} to XXXX but will not, even after numerous attempts over the last 7 months, will not give me a confirmation number or any details at all of how, when, where or what they really sent My, XXXX XXXX XXXX 's money. They will not answer any of my questions and this cabnot be legal. XXXX says they can not locate my money thatCurrent supposedly sent back to them. I've contacted anyone and everyone that i could think of in these last 7 months that could possibly help me and they just tell me to contact this place or that place and haven't been able to get anywhere. Please help me get my money from those crooks.
Product: Debt collection

I was served a summons ( judgement ) from Smith Debnam Narron Drake Saintsing & Myers, LLP on XX/XX/XXXX. Notice of rights was served to me on XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX. I sent paperwork to them that was needed. I contacted a law firm and they stated that my amount was different on my " File No '' than what the Judgment Creditor was stating in XXXX of XXXX. The creditor stated I owed over {$28000.00} to XXXX XXXX XXXX. My case as of XX/XX/XXXX stated I owed with interest, since XXXX, in the amount of {$19000.00}. This creditor is in a violation of FDCPA, they are harassing me with the threat to get me to pay and they don't follow through with the execution. They keep harassing me with notice of rights which was served 3 times in one year ( noted above ). Second violation is they want me to pay a higher quote balance than what shows on the court system. I want them to stop contacting me..
Product: Checking or savings account

I felt like more money was being taken out of my account than it shouldve been from WELLS FARGO BANK and I just found out about the lawsuit is it to late get what I am owed. My money was leaving my account way to fast.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America carried out a hard inquiry on my credit report without my authorized consent ( Fraud ) on XXXX, XXXX, XXXX. I submitted more than 3 times my request for Bank of America to immediately to remove the hard inquiry as they didn't have my authorization or written consent to make the hard inquiry but to NO joy!! Their response by letter on XX/XX/XXXX " We've verified the inquiry and we won't be adjusting our reporting like you requested and consider your dispute resolved '' As my request ( My right by law ) Is ignored repetitively and no satisfactory resolution is reached which caused my credit harm I would demand from Bank of America to send me documentations with proof of signature showing I in fact applied with this creditor otherwise delete this unverifiable inquiry from my credit report. This deletion was due almost a year ago knowingly its lacking certifiable evidence unless physically certified verified proof is demonstrated per U.S CODE 15 U.S.C1681 ET SEQ. Section 604 of Fair Credit Reporting Act. 
Once Bank of America and XXXX XXXX fulfilled my request please mail me an updated credit report reflecting these changes. 
* Previous complaints case numbers : XXXX * In the event Bank of America keeps violating my rights I will seek financial compensation of {$1000.00} ( 15 USC 1681n )
Product: Checking or savings account

XX/XX/year>, both my personal and business accounts were closed without warning after making a cash deposit at their atm. I called the bank and was told that it was a buisness decision to close my accounts. I have payroll and vendor accounts that will be affected by this random decision. All of my money and pending deposits will be held up until whenever they feel comfortable sending me my own funds. Its the first of the month and XXXX going to be in a bad situation
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX {$4500.00} XXXX XXXX XXXX Account details Account Number XXXX Date Opened XX/XX/XXXX Last Activity XX/XX/XXXX Original Creditor XXXX XXXX Monthly Payment {$0.00} Term Source Type Provided Current Rating Collection/Charge-off Status Closed Type Individual High Balance {$4500.00} Unpaid Balance {$4500.00} Highest Adverse Rating Collection/Chargeoff Most Recent Adverse Rating Collection/Chargeoff Comments Account Seriously Past Due Date/account Assigned To Attorney, Collection Agency, Or Credit XXXX 's XXXX XXXX XXXX XXXX Account Previously In Dispute - Now Resolved - Reported By Subscriber Account details Youve Made 0 % Of Payments For This Account On Time. 
Collection agency XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX Paid on time 30 days past due 60 days past due 90 days past due 120 days past due 150 days past due Bankruptcy Repossession or foreclosure Collection or charge off Voluntary surrender No data available XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX N/A Account ID : XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Funding I have no knowledge of these accounts. Never opened these accounts