23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

LoanCare admittedly forgot to pay my homeowners insurance and after we straightened it out, they still deducted another premium ( double what my premium is ) on top my my insurance premium for them to get their own insurance, even though I had insurance. Repeatedly told it was their mistake and would be fixes, still deducted the additional {$2200.00} premium for their insurance so my escrow is negative and my monthly payments will be {$200.00} higher. Of course, if I do t pay, Ill be penalized. The WORST customer service I e ever experienced and I keep getting lied to and nothing is getting resolved ... for their mistake. I have 20 phone calls and 15 hrs trying to straighten this out. Theyre impossible!
Product: Credit reporting or other personal consumer reports

XX/XX/2023 I received notice from my credit report monitoring service that there was a hard inquiry on my XXXX account, pulled by XXXX XXXX/TD-PRVTE LABL. I did not make this inquiry, nor request a credit account to be opened with this entity ( XXXX ). I froze my XXXX and XXXX reports immediately ( XXXX already frozen ) to prevent further fraudulent activity. As my XXXX credit score was negatively impacted by the inquiry, I attempted to contact XXXX to get the fraudulent hard inquiry removed from my report. XXXX XXXX customer service was unaware of how to go about that process, and unable to direct me further. Target customer service was able to confirm, looking up by SSN, that I do not have a credit account open with them at this time.
Product: Debt collection

This is a copay deductable that was owed from a motor vehicle accident in XXXX. Since XXXX I moved two times, however, my telephone number remained the same and i never received any attempts to collect a debt. Back in XXXX this was brought to my attention as i am in the process of buying a home and credit is the biggest factor. I contacted GSI, spoke with a XXXX XXXX, asked for this to be deleted from the credit bureau as I was never aware of this and he did forward me the forms he submitted for deletion. This has been paid, and not deleted yet which is affecting my credit score!!
Product: Credit reporting or other personal consumer reports

am writing to seek urgent assistance regarding a severe case of identity theft that I have been experiencing. Despite my repeated efforts to resolve this issue directly with the involved companies, the situation remains unresolved, and I am now turning to the CFPB for help. 

Fraudulent Accounts and Inquiries I have identified several fraudulent accounts and inquiries on my credit report that I did not open or authorize. These accounts and inquiries include : NEGATIVE ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts and inquiries deleted or updated. These are the items I demanding to be deleted immediately : 1. Under 15 U.S Code 1605 ( a ) If a Finance Charge was included which is the sum of all payments There Should be no late payments on this account XXXX XXXX Account Number : XXXX I didn't provide permission for this account to be reporting to my credit report please remove or i will seek legal compensation 3. I did not authorize these inquiries please remove this from my credit report XXXX Date of inquiry : XX/XX/XXXX This inquiry was not authorized please remove this from my credit report XXXX. I did not authorize these inquiries please remove this from my credit report XXXX Date of inquiry : XX/XX/XXXX This inquiry was not authorized please remove this from my credit report XXXX. I did not authorize these inquiries please remove this from my credit report XXXX Date of inquiry : XX/XX/XXXX This inquiry was not authorized please remove this from my credit report XXXX. I did not authorize these inquiries please remove this from my credit report XXXX XXXX Date of inquiry : XX/XX/XXXX This inquiry was not authorized please remove this from my credit report XXXX. I did not authorize these inquiries please remove this from my credit report XXXX  Date of inquiry : XX/XX/XXXX This inquiry was not authorized please remove this from my credit report XXXX. I did not authorize these inquiries please remove this from my credit report XXXX  Date of inquiry : XX/XX/XXXX This inquiry was not authorized please remove this from my credit report XXXX. I did not authorize these inquiries please remove this from my credit report XXXX Date of inquiry : XX/XX/XXXX This inquiry was not authorized please remove this from my credit report XXXX. I did not authorize these inquiries please remove this from my credit report XXXX Date of inquiry : XX/XX/XXXX This inquiry was not authorized please remove this from my credit report XXXX. I did not authorize these inquiries please remove this from my credit report XXXX  Date of inquiry : XX/XX/XXXX This inquiry was not authorized please remove this from my credit report XXXX. I did not authorize these inquiries please remove this from my credit report XXXX Date of inquiry : XX/XX/XXXX This inquiry was not authorized please remove this from my credit report
Product: Debt collection

XXXX XXXX XXXX XXXX IS ATTEMPTING TO COLLECT A DEBT THAT IS NOT MINE, INACCURATE AND THAT I DO NOT OWE.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified account listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. BK OF AMER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

This is a previous complaint that- Has Not Been Resolved - See complaint filed on XX/XX/XXXX with CFPB. In my records it shows the CFPB has closed the case saying it was resolved - This Has Not Been Resolved- I was literally just charged for the {$490.00} again this morning XX/XX/XXXX. 

I received a letter stating once again that I needed to provide proof that the payment was made - which I did in an email on XX/XX/XXXX, I emailed ALL of the information requested to XXXX - This has been going on since XX/XX/XXXX back and forth and this is the 3rd time Citizens has withdrawn the money from my checking account. 

I have provided all of the information proving this withdraw is erroneous and Citizens is refusing to refund me account and close the case. 

I will escalate this as far as I need to to be returned the almost {$500.00} that they continue to take from my account. 

I have spoke to XXXX XXXX Citizens Banks Sr Advocate with no avail - XXXX - she asked that I email the information requested which I did as well as numerous emails to XXXX See below the original email below ... .as well as attachments from the email I sent on XX/XX/XXXX The amount of {$490.00} was charged to my checking account on error - I contacted Citizens at the end of XX/XX/XXXX stating this and they refunded the amount. I received a letter from Citizens saying no further action was required then a month later the amount was withdrawn again. - This was for a car payment, when the amount was withdrawn a second time, the lease agreement had been satisfied and the car had been turned back in to the dealership. Citizens withdrew the funds after the car payment had been 100 % satisfied and turned back in to the dealer- so where did my {$490.00} go??? After multiple attempt via phone to resolve this issue I was told on each separate time someone from the claims department would be contacting me in 2-3 business days - this Never Once Happened- I never received a call from a representative. I have received 3 letters since asking for proof that the payment was made by other means - I have emailed XXXX 4 Times now will all the requested information - I HAVE NOT ONCE RECEIVED A RESPONSE. They are Fraudulently holding {$490.00} from my checking account. Were did the money go??? Again- the vehicle has been paid in full and returned to the dealership and the amount of {$490.00} was withdrawn again after this fact. The fact that not one representative from Citizens has responded to my complaint VIA phone and email is HIGHLY SUSPICIOUS!!!
Product: Money transfer, virtual currency, or money service

I requested an international wire transfer with Wells Fargo, on XX/XX/XXXX for XXXX. On XXXX XXXX, Sunday, the day I found out I was scammed, I called Wells Fargo, explained to the representative A that I was scammed XXXX. The representative XXXX  told me there is nothing she could do over the phone that I would need to go to a local branch to stop the transaction. Then, I tried to make an appointment over the phone for that Monday ; however, they were all full that day and the earliest appointment was XX/XX/XXXX. I went to the local bank on XX/XX/XXXX, where I did the wire transfer with representative XXXX on XX/XX/XXXX, explained to him that I had been scammed and want to do a reverse transaction or do a charge back. The representative XXXX wrote down my phone number and said he will call me back for an appointment. I am upset because the representative XXXX didnt take the matter urgently. He didnt seem to care or concern that XXXX may be withdrawn by the recipient. He said he will call me back to schedule an appointment and we will handle it. When doing a swift recall it is time of the essence. The representative XXXX should have reach out to his coworker to help me with the circumstances despite his appointment with another client. Instead, he reach out to representative XXXX on XX/XX/XXXX to help me with the matter since I have an appointment. Although international wire transfer takes up to 3 business days to complete, I believe there was still a chance to stop the swift recall. Instead, the recall was initiated on the day I made an appointment on XXXX, XXXX. The swift recall could have initiated 24 hours sooner. Because such a large amount of money was wired out, XXXX, the representative XXXX should have take the matter seriously especially knowingly that was a scam wired transfer. Since it hasnt been more than 3 business days since the wire transfer, the swift recall could have been initiated that Tuesday and potentially that XXXX would not have been withdrawal by the recipient. Thank you.
Product: Credit reporting or other personal consumer reports

The company lead me to believe that I would not have any additional payments on my loan since they were going to settle for a less amount, yet after they made a settlement, they continued to charge my account and report me to the credit bureaus for being late. They did not clearly explain that I had to still make payments. And all attempts to notify me of additional late payments were understood to be systematic given the nature of my communications with their team prior. I've tried to dispute this with the credit bureaus many times and have had many conversations with them but they refuse to share audio recordings of the phone conversations I had with their team to substantiate my claims otherwise.
Product: Debt collection

XXXX XXXX XXXX XXXX  Ive been disputing this account for over 10years
Product: Payday loan, title loan, or personal loan

This company is not legal in Nevada, I have attempted to notify them numerous times to stop collecting on an invalid loan, however they have not gotten back to me. Today I received an email making me aware that my account was sold to a third party agency. This is an illegal loan they should not have the right to sell my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax, and XXXX have all been notified of my identity theft report to the Federal Trade Commission. I have specifically notified them that accounts being reported on my credit report by : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX For fraudulently obtained credit cards need to be removed under the FCRA. They have wrongly claimed that they have " researched '' the issues. Their research has been negligent and they are causing me harm by continuing to report this false information.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I have discovered that certain information is inaccurate. The following item ( s ) require rectification : XXXX. Opened XX/XX/XXXX balance of {$480.00}. XXXX XXXX Opened XX/XX/XXXX balance of {$480.00}. XXXX XXXX XX/XX/XXXX balance of {$780.00}. XXXX XXXX XXXX XXXX XXXX open XX/XX/XXXX balance of XXXX Please remove this from my report. In accordance with the Fair Credit Reporting Act, I hereby request that you investigate these items and remove them from my report. I understand that you are required to verify these items with the corresponding creditor. Should the creditor fail to provide verification, please eliminate the disputed information. Pursuant to 15 U.S.C. Sec. 1681i ( a ), I expect this reinvestigation to be completed within 30 days from the date of this letter. Please send an updated copy of my credit report to the aforementioned address. As per the act, there should be no charge for this updated report. Additionally, I kindly request that you notify any party who has received my credit report within the past six months of any corrections made. Thank you for your attention and assistance in resolving this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts are still inaccurate on my report which needs immediate action. I have sent letters to the Credit Bureau but still no response was ever received from them. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law. Below are the accounts that are still reporting on my report : Late Open XXXX  Account Number : XXXX Late Closed XXXX XXXXXXXX Account Number : XXXX Charge Off XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX
Product: Debt collection

MIDWEST VIOLATED MANY CONSUMER PROTECTION LAWS INCLUDING SOL.EXPIRED AND FAIL TO ADDRESS LAWSUIT.
Product: Credit reporting or other personal consumer reports

I tried calling the companies and I get the runaround. I even try fighting on XXXX and all of the barrels. One of them did take them off but still have I have one left, but XXXX has all of mine and they keep on denying me what I give me a fair trial when I asked for the proof signatures if they can give me signatures, or what kind of proof that they want to see my signature cause I never sign for none of this. I never received a credit card which they implied that I had I want to see the products I bought. Let me know because they cant prove this because its not its not mines so I need this released and taken off because its ruining my credit my life and if you look into my credit, everything is deducted automatically every month on time and I never been late but why am I late with such pettiness and small amounts of money that doesnt make sense they need to remove this ASAP or Im gon na have to take a legal action and both of all of the companies I need your help please
Product: Checking or savings account

OnXX/XX/2024, Freedom Mortgage cut an escrow reimbursement check to myself and my ex-husband. Our mortgage account was noted that the deed holders were in the process of divorce. The check came in both of our names-XX/XX/XXXX XXXX XXXX XXXX ( No AND or OR ). On XX/XX/XXXX XXXX cashed the check without my permission or endorsement. The bank cashed the check without my signature on it. It was for XXXX. Per a court filed fiduciary agreement I should have received half. I gave XXXX the opportunity to give me half no harm no foul. He refused. I want the check cancelled and re issued 1/2 to XXXX and 1/2 to me which should have been done in the first place by the mortgage company. The bank should also have not cashed a check in that amount without both people signing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted all 3 credit bureaus and provided my identity theft packet and police report detailing fraud on my credit. Both XXXX and XXXX blocked the fraudulent account ( XXXX XXXX Credit Card ) within 4 days. Equifax, however, filed a 30 day dispute upon which the data furnisher ( XXXX XXXX ) " verified '' the fraudulent account as mine. During the process of the dispute I spoke to a manager in the fraud department with a heavy accent in XXXX that indicated the fraudulent account would be removed because a police report had detailed the fraudulent account after the 30 day dispute was complete despite the data furnisher verifying the account or not. However, upon calling back I was told by several representatives that only another 30 day dispute could be filed since the data furnisher " verified '' the account and that it would be up to the data furnisher to decide to remove the account from my credit profile. This is a direct violation of Section 605 B of the Fair Credit Reporting Act that states that any fraudulent information resulting from identity theft shall be blocked within 4 days by the credit bureaus upon receiving from the consumer a police report detailing the identity theft. Equifax filed another dispute ( Confirmation # XXXX ) and refuses to comply with federal law, specifically the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account with XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Texas XXXX was included in Chapter XXXX bankruptcy filed on XX/XX/2018. Bank responded and filed a claim with the bankruptcy trustee on XX/XX/2018. XXXX XXXX XXXX  has continued to attempt to collect the debt by sending notices to my home and by reporting that we are 30, 60, 90, and 120 days late in payment to the credit reporting agencies. Bank was contacted, situation was explained, Experian was contacted to file a dispute, and still XXXX XXXX XXXX  attempts to collect a debt that is in bankruptcy and that they have filed a claim with the bankruptcy trustee to be part of the bankruptcy payout. XXXX XXXX XXXX is breaking Texas unfair trade practice laws, the federal Fair Debt Collection Practices Act, Texas fair debt collection practices laws, and the Fair Credit Reporting Act. XXXX XXXX XXXX was contacted, given the bankruptcy information ( even though they had filed a claim with the court ) and told to remove the negative information from credit report and to stop sending payment requests to me. They have not corrected my credit report. 

NOTE : I have copies of the statements where they tried to collect I can send at a later date. bank reported 120 days late AFTER I contacted them to STOP.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN VIOLATION 15 USC 1681(c)-2. EXPERIAN IS CONTINUING TO REPORT AND POST FRAUDULENT ACCOUNTS ON THE CONSUMERS PROFILE DESPITE REPEAT REQUESTS AND COOPERATION.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : 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 XX/XX/2022 XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquires aren't correct, and I would like for them to be deleted off my credit report.
Product: Student loan

This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. This is very stressful for me because I always pay on time. Under 15 USC 1666b this billing error must be corrected because I always pay on time this is clearly a discrepancy on this account which clearly violates the 15 USC 1666 ( b ). Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated in the law. 

XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX I, therefore submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time. Hoping that I could get some favorable news after this investigation.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app due to inadequate customer service And under unfair practice which violates the core summer, financial protection act specifically, cash app failed to take timely and effective measures to prevent an address for on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute solution process was unfair and deceptive. They did not comply with error resolution requirements under the electronic fund transfer act And regulations E, these actions have caused significant inconveniences in financial loss, and I seek appropriate redressed for these violations.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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 an account without my written instructions.