23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I had more than enough money in my Ally bank account, and I made a purchase for about {$4300.00}. I believe it was on XX/XX/XXXX, or possibly XXXX, but can't know for sure because I have been completely blocked from signing in and accessing my account. 

Then a day later, Ally bank told me that I overdrafted my account by {$4300.00}, which I don't even understand how is possible, because normally, if I try to make a purchase that large and don't have the money in my checking account, the purchase would be declined. I also have a screenshot of the available amount of money that was in my account when I made the purchase. 

Now the bank has locked both my checking and savings account indefinitely, will not give me access to any of my money, and will not give me a time frame as to when it will be resolved. They just keep sending me emails telling me that I overdrafted and that I owe them the money and that they will file a report with various credit bureaus if I don't pay. I called to ask them about this and they just said to ignore it, as it was an automated email. 

I told the bank that the vendor must have charged me twice, and that I'd like to dispute it, which they agreed to, but they still have my account locked. It's now been 3 days, and I have no acces to my new deposits or my funds that were already in my account. My credit card payments have already started to be rejected because they can not take money from my frozen Ally bank account. 

In the past, when I have disputed a transaction with different banks, the transaction is immediately reversed and I am credited with the amount while the investigation is conducted. 

But this time, Ally just locked me out of all of my accounts, and I have no access to my money while I am currently overseas.
Product: Mortgage

New Bargain and Sale Deed was awarded on my home of eleven and a half years to my young son and myself. 

Oregon Divorce Court. XXXX County, XXXX XXXX. OREGON # XXXX - XXXX XX/XX/XXXX XXXX XXXX I would like to write one cheque and pay out loan. XXXX USD. 

Shellpoint Mortgage Service playing games. Requesting Court Docs. Emailed them 4x. 

XXXX XXXX did this for three years also. ( prior servicer on ex husbands loan ) Ex husband is a XXXX  XXXX  with XXXX XXXX XXXX. He also filed bankrupty on this loan in XXXX. 

My young son and I would like to move forward.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX- {$6900.00} XXXX XXXX XXXX XXXX- {$1100.00} I have notified and requested that this company these accounts that don't belong to me also was not authorized by me needed to be placed in fraud status and discontinue reporting to my personal file
Product: Credit reporting or other personal consumer reports

I had a car loan with Wells Fargo that ended in XXXX of XXXX due to me sending the car back due to financial situations they sold the car out in XXXX of XXXX which left me a remaining balance of XXXX. Then approximately XXXX XXXX of XXXX I noticed on my credit report that there was a balance increase which should not happen I called Wells Fargo they said they fixed it then approximately a week ago I received another notification that my balance was once again changed on Wells Fargo to a higher amount and then also they added five late payments to the account as well which there is no late payments on the account. So now my credit is being affected because of this and I want them to take responsibility and just zero out my loan because of their mistakes and fraud
Product: Credit reporting, credit repair services, 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. 

Account name : XXXX Account XXXX # XXXX, Account name : XXXX  # XXXX, Account name : XXXX 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested copy of permissible permission use to access my credit report in XX/XX/2017 by XXXX and Experian. XXXX ignores by labeling everything duplicate complaints and a consumer can not reply. XXXX attorney 's have learned a game in order to avoid liability. Experian repeatedly replies " At your request to conduct a reinvestigation, we contacted the data furnisher and asked them to verify the accuracy of the information with which you disagree. They responded and verified that the disputed information was accurate as reported. '' So XXXX & Experian 's childish attorneys deny deny deny and run from liability by smoke and mirrors. Experian & XXXX are cheat companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I have sent a letter to the XXXX credit bureausasking them to update this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX Balance : {$2000.00} XXXX XXXX Balance : {$7700.00}
Product: Mortgage

I have had nothing but major issues with Shellpoint mortgage servicing. They mis-lead me through a modification that never happened. They say they did not have the required paperwork, yet they did and let the time run out by not responding to my inquires. I have this all in writing. This next issue tops it all though! I received notice of an escrow overage of $ XXXX. This seemed off to me so I questioned Shellpoint. They assured me it was correct and perhaps rolled over from the previous loan servicer. I did not receive the check they sent so I called to inquire and again questioned the validity of the refund. I was not given a valid explanation. but told that they were re-issuing the check. While trying to dispute some reporting they made to my credit report I continued to question the extra escrow funds. I was told multiple times both on the phone and in writing that there had been no errors made on my account. Approximately 3 months later I received a call from Shellpoint saying that they did make an error and now I would have to return the funds. I re-allocated those funds to other debts since I was previously assured that there were no errors to my account. Now I have an approximate 5 % increase to my monthly payments that I can not afford on a tight budget. This is complete negligence and I am initiating legal action against them.
Product: Credit reporting or other personal consumer reports

I see that TransUnion, XXXX, and XXXX are reporting multiple XXXX  XXXX accounts somewhat negatively on my consumer report without my consent. I have attempted months ago prior to this complaint to call and send in a letter stating that Per the FCRA as a federal protected consumer I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal, and nonverbal per 15 USC 6802. I still see that it is on my reports even when it shouldn't have been to begin with considering I never gave permission or consent to report this on my credit reports. Under the Privacy Act of 1974 it clearly states, No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains. Also, 15 USC 1681b states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. According to the Fair Credit Reporting Act 15 USC 1681a-4, " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy ''. TransUnion, XXXX, and XXXX are all consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information ''. Also, I see a lot of transaction history being reported including the high utilization that's being reported but according to 15 USC 1681a-exclusions, report containing information solely as to transactions or experiences between the consumer and the person making the report. Then 16 CFR 313 - Privacy of Consumer Financial Information, helps back my point that all the transaction history is illegal to report and should not be reported on my credit reporting 's from what 15 USC 1681a section states. Every company in their agreements with consumers said they would follow the law and agreed to do so. They are aware that they are breaking the law and continue to do so daily with prior knowledge of the law they agreed to uphold for the benefit of the consumers and to not undermine the public confidence which is essential to the continued functioning of the banking system according to 15 USC 1681a-1.15 USC 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. TransUnion, XXXX, and XXXX are not maintaining reasonable procedures.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> an erroneous bankruptcy was filed. XXXX XXXX Case - The Fair Credit Reporting Act, 15 U.S.C. Section 1681 et seq., is the law that controls credit reporting agencies. The law states that credit reporting agencies may not report a bankruptcy case on a person 's credit report after ten ( 10 ) years from the date the bankruptcy case is filed. Generally, bad credit information is removed after seven ( 7 ) years. The larger credit reporting agencies belong to an organization called the XXXXXXXX XXXX XXXX We are informed that the policy of the XXXX XXXX XXXX  is to remove successfully completed XXXX XXXX cases from the credit report after seven ( 7 ) years to encourage debtors to file under this chapter.
Product: Credit card or prepaid card

I tried to use my XXXX 's XXXX Master Card issued by Synchrony Bank at the XXXX XXXX XXXX gas station in XXXX, NY on XX/XX/XXXX, and after waiting for 15 minutes in line and getting to the pump my card kept coming up as inactive. I called the customer service line to find out that the company had close the card on XX/XX/XXXX. I asked why it was closed and was told by the Supervisor that my card was inactive for 2 years and that it was in the terms when I signed up for the card and there was nothing they could to do to reopen my account because it was closed. I insisted that the it has not been 2 years and it was a mistake on their behalf. She couldn't look up the exact date when asked when the card was last used, just insisted it was in XX/XX/XXXX and it was 2 years. The last payment I had made on the card, according to my bank statement, was on XX/XX/XXXX, and I am never late on my payments. They refused to do anything about it. The only thing that could be done is file a dispute with the credit agency, and now I have to wait at least 30 days to hear anything. It is wrong what they do. They don't even send a notice that the card is going to be closed or is in jeopardy of being closed. Now my credit will be effected by this closure, and I have an Exceptional credit score in the XXXX. This company is not right in what they do to their clients.
Product: Credit reporting or other personal consumer reports

There is incorrect name spelling and other names listed. There is incorrect identification number with these names. There are incorrect addresses continuing to report. I have put multiple security freezes on my identity theft during Covid-19 and showing that accounts have been compromised by this. I have filed disputes and nothing has been resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information are being reported to my personal credit file. The XXXX, XXXX, and TransUnion Credit Reporting Agencies has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continued to report unverified information without providing any proof required by law. The 3 Credit Bureuas have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. I need the following inquires to be removed ; XXXX. XXXX XXXXXX/XX/2022 XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2022 XXXX. XXXX XX/XX/2022
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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX and list of Inquiries. 

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: Money transfer, virtual currency, or money service

On XX/XX/2020 I tried making a purchase of {$1.00} and was declined even though I had the money available. I checked my profile and it told me my account was closed. I emailed for an explanation why and Square Inc sent a generic email about violating the terms. This didnt start happening until I started using the app for stocks. I have done nothing wrong and barely use my cash app account. Only for XXXX or stock purchases and small store purchases for the XXXX.
Product: Credit card

XXXX fraudulently along with Barclay Bank declined my application but sent me a credit card and denied me any reward benefits on my purchase. In other words, I was denied any benefits and they declined the application in store but sent me a card anyway, pulling my credit and opened and sent me a card WITHOUT my permission!
Product: Mortgage

We were advised in writing by Ditech of the incentive payment ( via principal reduction ) of {$5000.00} via the HAMP program for keeping our mortgage payment current for XXXX or more years. This principal reduction was given to us in XXXX, 2015, and then added back to our account balance XX/XX/2015. We feel Ditech has not acted fairly with us or communicated with us in writing about why this was done. We made decisions based on this principal reduction and did n't notice the {$5000.00} was added back on to our mortgage balance again until XX/XX/XXXX. We have been contacting the company since then and have just been verbally told that when the loan was sold by XXXX to Ditech, XXXX gave Ditech the wrong account numbers for this credit. 
As we are now selling the home, we were told we would not ever receive this credit when this is sorted out if we no longer have an open account. But I contest this statement, as in fact we were already given the credit, and then it was retracted without explanation. Additionally, we met the terms of being current on the mortgage for the required time ( and more ).
Product: Mortgage

On XX/XX/XXXX, XXXX XXXX ( a loan officer at Amerisave ) suggested me to pay a rate lock fee of {$500.00}, suggesting that he was locking my rate at 3.99 % when in reality he locked me at 4.5 %, He used deceptive tactics and hid information from me. After that he sent me the details, upon reading which I realized what had happened. I contacted him next morning complaining that he had mislead me and I want a refund. He said he can do that. After several email exchanges he told me on XX/XX/XXXX that he has requested a refund for me and the refund should hit my account in few days. He didn't provide me any proof, neither I got any confirmation. I haven't received a refund yet as of XX/XX/XXXX and he has stopped taking my calls or replying emails. Reading some reviews I find that this is a standard tactic of the company and people eventually give up due to the company 's obfuscating and slippery tactics and don't get their money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX ACCT # XXXX, XXXX. XXXX XXXXXXXX ACCT # XXXX, XXXX XXXX XXXX ACCT # XXXX, XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT XXXX 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 WITHHOUT MY WRITTEN INSTRUCTIONS
Product: Mortgage

Our escrow account has been mismanaged : Escrow has been impounded since origination at our convenience. In 2019, we noted that escrow was being impounded at rates significantly in excess of the stated property bills due to supplemental property tax bills that Shellpoint does not handle. We contacted Shellpoint and asked for a refund of the excess in the escrow account so that we could make payment on the account.

Shellpoint was unable to indicate if/when this was possible. We received multiple conflicting statements of balances that would be refunded, none of which reconciled to any amounts.

Additionally, Shellpoint made payment on our earthquake insurance policy, which is not a bill that historically been escrowed/paid for by Shellpoint, as this amount has always been paid out of pocket. This was subsequently refunded by our insurance provider, but put the amount being placed into escrow out of balance. Conversation with customer service indicates that they dont know what bills are supposed to be paid. 
We have been unable to track what payments have been made on our behalf. We have spent significant time and effort on the phone, on hold, and with customer service agents who dont know whats happening. 
We received multiple sets of conflicting instructions on how to get the escrow requirement removed. Multiple requests were denied for not following proper instructions, despite following instructions exactly as provided each time. Final request to eliminate the escrow requirement were denied. 
In response, we are refinancing our loan. Payoff letter generated included the property tax payment due XX/XX/XXXX19 as part of the payoff balance in addition to principal, interest, and fees, despite having over {$20000.00} in the escrow account, and that they would not use the escrow funds to pay. Customer service for Shellpoint ( via conference call with both homeowners ) that if we paid the upcoming tax bill in full and sent them a receipt, they would remove the upcoming tax payment from the payoff amount. Email receipt was emailed to Shellpoint on XX/XX/XXXX19. On XX/XX/XXXX19,  Shellpoint sent a payment for the tax bill using funds in the escrow account ; however, that amount has already been paid. Customer service indicated that the tax assessor would refund the amount directly to the homeowner. Call to the tax assessor indicates that they have not received the check and that payment will be refunded to the originator ( Shellpoint. ) Call to Shellpoint is unwilling to put a stop payment on the check. 


At all steps along the way, customer service has been rude and unknowledgeable. Representatives have denied that conversations happened, despite the prior calls not being with that specific customer service representative. Requests to escalate to a supervisor or managers are uniformly denied. Representatives have said that they do not accept or acknowledge complaints.
Product: Credit reporting

Equifax incorrectly " verified '' an error in my credit report, and did not fix the error upon my dispute. This regards my home mortgage account. 
In XXXX 2016, XXXX of XXXX, XXXX purchased my loan from XXXX XXXX of XXXX, XXXX. XXXX was previously the administrator of the loan. 
The EQUIFAX credit report of about XXXX XXXX, 2016 listed this account as XXXX separate accounts, with XXXX different monthly payments. Upon my dispute of this situation, EQUIFAX says that their accounting is correct - that I have XXXX mortgage accounts outstanding that " belong to you ''. The address and phone number for XXXX XXXX provided by EQUIFAX is now defunct. 
It is my understanding that the original error may have been with XXXX, but EQUIFAX is responsible for not responding correctly to my dispute of the error. I am told by XXXX they fixed the problem internally on XXXX XXXX, but on XXXX XXXX EQUIFAX sent me an erroneous conclusion. 
On the attached document from EQUIFAX , please note the last payment of {$3100.00} is incorrect and listed as XX/XX/2016, while the " last activity '' is listed as XX/XX/2016. Since XX/XX/XXXX, I make a single monthly payment of {$3000.00}.