23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My name is XXXX XXXX and I am reaching out today with frustration over my servicer Portfolio Servicing for my property address XXXX XXXX XXXX XXXX XXXX FL XXXX. I was modified almost 5 years ago and now my payment is going to double. I have requested the copy of my loan modification more than once and never received it. The servicer has given me the answer that they are waiting on the previous servicer Bank XXXX XXXX to provide it. I sought assistance with a HUD Housing Counselor and she looked up via the MERS and the servicer still shows Bank XXXX XXXX, I looked up as my address and social and still shows XXXX. I do not know who is responsible to provide to me the requested documents, I can not seem to get the correct information. I would like to refinance and I am currently working on that but I need the servicer to respond with the document request.
Product: Credit reporting, credit repair services, or other personal consumer reports

Auto loan paid in full since XX/XX/XXXX XXXX.credit acceptance Corp still had not updated any credit reporting bureau.when I disputed the information, they still failed to report accurate updated status.prevented me from obtaining a new vehicle at a low rate
Product: Debt collection

I had complained about false charges on my US Bank account and at the same time they shut down my accounts, would not help me with the bank fraud on my accounts, and then proceeded to make collection calls on my credit card accounts and would not help me with my business and personal accounts that were effected and they effectively drove my credit score down. It was a systematic form of retaliation for filing a complant against one of their larger customers and they choose to protect those customers and that is illegal you can not do that. You must treat every customer the same with the same standards and the must abide by the same laws rules and regulations for all customers. I had reported a major fraud and this is a clear cut case of retaliation against me.
Product: Debt collection

Midland credit- is charging me for a gym membership during Covid. 
XXXXXXXX XXXX Someone made purchases with my information. I called the credit company about it. Now im paying XXXX for a total of XXXX to avoid a judgement on a account I never signed up.
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 XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 1

5 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/XXXX I tried to cash a {$12000.00} settlement check at 3 Regions Bank in XXXX Florida. The first bank, located at XXXX XXXX XXXX XXXX XXXX, said they didn't have enough of moneyto cash the large check. The second bank, located at XXXX XXXX XXXX XXXX, discriminated against me by telling a lie about their check cashing policies. The teller told me he could not cash my check because I wasn't a member and so the bank could not put a hold on the check. I told him that I had just spoken with a someone before traveling all the way out there and that I believed he was discriminating against me because I was XXXX and had a large check. He said no the bank policy says they can't cash checks for non-members. I walked outside and called the Regions bank located at XXXX XXXX XXXX XXXX and was speaking with the same person while I was still at the XXXX location. He ( a manager I believe ) told me the bank called him and said they didn't have enough money to cash the check, but I told him the tellers just refused to cash it and that he may have spoken to the first bank I went to located at XXXX XXXX XXXX XXXX. I walked up to the teller again to get a clear understanding while I was on the phone with the manager, but this time two tellers said no it was against the banks policies. The manager I was speaking to on the phone heard them and told me he did not know why they said that and to come to his location and he would be able to cash the check if they could verify it. I started walking away from the tellers and told them that I will be filling a complaint. I ended up going to the Regions bank located at XXXX XXXX XXXX XXXX XXXX because that was the location I had spoken to the manager originally. That location said they wouldn't cash the check unless they could make a copy of my settlement letter which they had no business asking for because it was private. In the end I agreed and they copied my letter. Within 1 minute after copying my letter the teller said they couldn't cash my check because they couldn't verify it. I was confused at why they wanted a copy of my settlement letter first if they couldn't verify the check. This while ordeal was XXXX  and I know the second bank discriminated against me so I'm filling this complaint.
Product: Checking or savings account

I was charged an enormous amount of fees from Wells Fargo bank to the point where I closed my account when I attempted to speak to them no one ever returned my calls or refunded the fees taken
Product: Credit reporting or other personal consumer reports

I was setup for auto-pay with Wells Fargo . I received a credit alert from XXXX of a 30 days late payment. I contacted Wells Fargo to inquire of the credit report and ask how I could be late if I have auto-pay. Wells Fargo telephone rep stated my autopay was removed and confirmed that they would not notify me. So the due payment was not taken. The rep stated I could just check my bank account to confirm payments are posted. I stated thats why I setup autopay so I wouldnt have to track payment due dates. I filed a dispute for inaccurate reporting. XXXX stated Wells Fargo certified their info was accurate. THEY LIED! They did not report the auto-pay drop off info. The dispute process with XXXX is worthless if they just accept whatever a creditor says, even when lying. Wells Fargo did drop my autopay status without informing me. The rep told me as much. At the time of the phone call, I paid the amount due and reset my autopay status. Their inaccurate report has hurt my XXXX score significantly. Ive dropped from an XXXX XXXX score to currently XXXX. I need intervention to make Wells Fargo fix this matter!
Product: Debt collection

XX/XX/2014 my XXXX was stolen at totaled. I have the police and incident report confirming. I had the car for 6 months, never late on a payment, but i knew nothing about gap insurance so i was stuck with the balance. I made arrangements and paid as agreed. I was promised and asked repeatidly about the collection being completely deleted from my report and was promised it would. I asked EVERY month i called in to make the payment so it would be recorded and on record. I stuck to my agreeement and paid a XXXX  balance only for them to not delete. still showing as negative with a XXXX balance. our convos are recorded and ive tried to reach out to fix. i want the records pulled and XXXX XXXX  deleted as agreed or atleast shown as positive. it is killing my credit. THE LETTER THEY EMAILED DOES NOT MATCH OUR VERBAL AGREEMENT. I WANT RECORDS PLAYED. I SPOKE WITH XXXX XXXX, HES RUDE, WONT RETURN CALLS. IVE SENT 10 EMAILS- NOTHING IN RETURN.
Product: Debt collection

I sent a validation of debt letter to Portfolio Recovery Associates LLC a XXXX XXXX credit card that is reporting to my credit report. I asked them to validate my debt and they sent me a copy of an old bill. The debt was not validated like I asked. I have never had a XXXX XXXX credit card. I have attached a copy of the letter I sent to Portfolio Recovery Associates and the response they sent back.
Product: Credit reporting or other personal consumer reports

I been disputing these accounts as fraudulent and no one has helped me. 

I am a XXXX XXXXXXXX XXXX who is in desperate need of the guidance from FTC and the credit agencies in order to begin getting my mind, life, credit, education, finances back on track. I just want a fair chance like everyone else. Thank you so much for helping victims like me. I really do appreciate it and I have faith everything will fall into place soon. As per the guidance from the CFPB, the documents needed to block these accounts are attached. I kindly request that you block this information from my credit report pursuant to section 605c of The Fair Credit Reporting Act as a result of XXXX XXXX XXXX XXXX  XXXX  Debt Final Rule. Please block all the fraudulent accounts stated in this FTC Report along with these accounts because I couldn't add more than 5 accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Around XX/XX/XXXX, I requested an security freeze for my child from Equifax using this form : https : //assets.equifax.com/assets/personal/Minor_Freeze_Request_Form.pdf I mailed the completed form and the required documentation to this address : Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX, GA XXXX That address is listed on the form itself and on this page on Equifax 's website : https : //www.equifax.com/personal/education/identity-theft/freezing-your-childs-credit-report-faq/ On XX/XX/XXXX, I had not received any response from Equifax. I called Equifax to ask whether they had received the request. I was worried because the request contained sensitive documents for both my child and me. I was told that the address listed on the form and the website does not accept requests for child security freezes. I was told that requests for child security freezes that are sent to that address are destroyed without being processed. This seemed difficult to believe, but Equifax 's phone support team confirmed it several times : if you send Equifax 's form to the address that the form says to use, an Equifax employee will open it up, shred it without processing it, and send no reply. 

The XXXX. XXXX XXXX address is still listed on the Equifax website as of XX/XX/XXXX. I was unable to find any other mailing address for requesting a child security freeze on the Equifax website. This effectively makes it impossible for parents to freeze their child 's credit report through Equifax.
Product: Debt collection

I sent a letter regarding inaccurate and unknown things on my credit report. I feel like I'm being taken advantage of and being ignored of my disputes. Section 15 USC 1681 A3, The FCRA permits health service providers and their agents to furnish information relating to medical debt to consumer reporting agencies ( CRA ). However, the Act requires furnishers to encrypt certain details to protect the consumer 's privacy. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  these accounts are fraudulent and do not belong to me. please remove off my credit reports
Product: Debt collection

I had two previous complaints XXXX and XXXX regarding this matter. In both complaints they sent letters stating the accounts would be removed from credit file. I then went and proceeded to collect the total of XXXX usd in the form of a check. I stated in my affidavit the laws that were violated and what law stated for every violation there is a set fee for it. A few days after me sending this packet of documents I received another letter stating that I owe which is also attached. I then sent out an additional affidavit in response to that letter. Also sent with the affidavit is an inovice which can be found down below as well. They sent a letter with their logo on it, stated that I owe a debt and many more violations under the U.S. code 15 subchapter 1692.
Product: Credit reporting

Not my address indicated on this credit report, never lived at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

PROVIDING 609 DISPUTE LETTER TO CREDIT BUREAU AND THE FAILED TO PROVIDE ANY INFORMATION ON FILE FOR THE ITEM THE WAS WAS DISPUTED
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX 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 name : # XXXX, Account name : # XXXX, Account name : # 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

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have unknown inquiries on my credit file that I did not approve to run my credit nor do I have an active/open credit account with from these companies. I am ver concerned regarding the serious possibility that the credit reporting agencies have not followed the permissible purpose provisions of the Federal FCRA. The inquiries in question are listed below alongside the date they were reported : 1. XXXX - XX/XX/XXXX 2. XXXX XXXX XXXX XXXX. - XX/XX/XXXX 3. XXXX XXXX XXXX XXXX - XX/XX/XXXX 4. XXXX XXXX. - XX/XX/XXXX 5. XXXX XXXX. - XX/XX/XXXX 6. XXXX XXXX XXXX - XX/XX/XXXX 7. XXXX XXXXXXXX XXXX - XX/XX/XXXX 8. XXXX XXXX XXXXXX/XX/XXXX 9. XXXX XXXX - XXXX XXXX  10. XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX
Product: Credit card

I was charged for a return check fee of {$30.00} by Citi on XX/XX/XXXX with no pre notification. There was no email/letter/app notification about a check issue and I was directly charged for a fee all of a sudden. I didnt even know this return check fee until logged in the Citi app several days after. I thought maybe the money didnt go through successfully, however, the payment was already deducted from my bank account. I reached out to a Citi representative, they told me they cant see if the money was received or not before the XXXX statement closed out and asked me to come back in late XXXX and can refund the fee if the payment was received. I reached out again around XX/XX/XXXX but was sent back again with the reason that the statement didnt close so they cant verify if the payment was received. Today, on XX/XX/XXXX, I reached out to an agent again via the Citi mobile app. The XXXX statement finally close out and they can confirm the payment was received, however, they 1.denied what they said that the fee can be refunded if they received the payment. 2.ask me to ask my bank to write Citi a letter to explain that my bank had an error ( unbelievable, how should I ask my bank to say they had an error while I saw the money was successfully deducted at the first place??? ) Im complaining about 3 things : 1. Being charged for a fee without being notified. If there was an error then I should be notified, I would have been able to call my bank and figure out what was going on. Now I feel I was charged purely based on Citis unfair terms. 
2. I dont understand the intent behind the return check fee. What is Citis definition of a return check fee? Is it a late fee? How late of a payment would be charged for such a fee? My payment was received on the due date with my an auto pay set up. Even the check was somehow returned for the first time, Citi was able to receive the payment on the same day. I need an explanation of why this fee exists. Ive never been charged for such a fee from my other cards. 
3. I was kicked around several times and was told different answers. Two Citi agents told me to come back when the XXXX statement closed and finally when it closed there is another agent told me that it doesnt matter if your statement closed or not, you need to have your bank write to Citi XXXX 

As customer, I dont feel the terms are transparent and myself being notified and respected. Citi didnt lose anything, they received the whole payment on time. I was charged for {$30.00} all of a sudden without being notified, spending a lot of time with different agents, and I wasnt late on payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I received a notice of cancellation from the insurance company providing my Homeowners policy. The reason stated was that they reviewed my claim history from the Comprehensive Loss Underwriting Exchange ( CLUE ) database provided by LexisNexis. The cancellation notice contained a record of a claim for water damage that I did not recognize. On XX/XX/XXXX, I contacted LexisNexis and was told that a new claim for a loss that happened on XX/XX/XXXX was added to the database under my name. After further review, it was clear to the LexisNexis clerk and myself that this was an error since this claim belonged to a person with a similar name but lives in a different state and was insured by XXXX XXXX XXXX XXXX  XXXX which I have never done business with. I filed a dispute to have this record removed and a request for a report of all my records. On XX/XX/XXXX, LexisNexis sent me a letter stating they had verified that their claim information was correct for this dispute. I immediately called and initiated a new dispute but i have to believe that little to no effort by LexisNexis was dedicated to adjudicating this dispute since it is obviously a different person with a different SSN. 

Relative to the report request I made, LexisNexis sent me a letter which I received on XX/XX/XXXX with a URL to access my CLUE information. The number of records in this report and the amount of inaccuracies was stunning. The report has these sections : Identification Records, Address Characteristic Record, Phone Records, Business Association Records, Online Marketing Records, Property Deed Records, Property Assessor Records, Insurance Policy Records, Automobile Insurance Claim Records, Property Insurance Claim Records, and Inquiry Records. Within these sections there were over 65 areas where the information was incorrect and obviously related to other people with a similar name. On XX/XX/XXXX, I called LexisNexis and disputed all approximately 65 inaccuracies. The other cause for grave concern was the amount of Personally Identifiable Information ( PII ) that LexisNexis is exposing when they provide reports intermixed with different individuals information. This report has SSNs, email addresses, cell numbers, addresses ( both past and present ), spouse names, policy numbers, mortgagee, etc. This is extremely sensitive information that should be addressed by CFPB to ensure that LexisNexis implements better protective measures with this information in the future.
Product: Mortgage

My mortgage with home point financial was closed in XX/XX/XXXX and paid in full. An overpayment was made and I received notice from the company XX/XX/XXXX that I never cashed a check they sent to me. I have contacted them several times since then and the check has allegedly been sent three different times and I have never received it. I have also filed a complaint with the post office cause I either the check is being stolen or they literally are not sending it.
Product: Credit card

I was issued a credit card XX/XX/XXXX through Target Financial services. On my credit report, target is reporting that the date of last payment is XX/XX/XXXX. They are also reporting that my date of XXXX delinquency is XX/XX/XXXX to XXXX and XXXX to XXXX. XXXX merely reports that the account was charged off XX/XX/XXXX. My contention is that if the date of my last payment was XX/XX/XXXX, then my 1st date of delinquency should be XX/XX/XXXX, not XX/XX/XXXX with XXXX and XX/XX/XXXX with XXXX. I have disputed this account multiple times and Target Financial has validated the information several times with each credit reporting agency. This account is being reported directly to the XXXX credit reporting agencies, and not through a factoring company. Contact directly with the creditor is difficult as the account is closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus XXXX  and Equifax have failed to remove items that have been disputed as being past the 7 year statutory time limit for reporting negative items according to the FCRA. These items have been disputed multiple times and the bureaus never address the actual issue that I stipulate as not meeting the FCRA Requirements and that the accounts are too old to be listed. Upon completion of their dispute they only verify that the account information is correct and simply call it resolved, which is in violation of the law. 

The two accounts in question are the following : XXXX  XXXX Partial Account Number : XXXX Date Opened : XX/XX/2010 Contains negative information and should only be listed for 7 years. 

XXXX XXXX XXXX XXXX Credit Card Account with no Account Number Listed Date Opened : XX/XX/2010 Contains negative information and should only be listed for 7 years.