23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Was on forbearance but continued to make payments, when forbearance ended, XXXXtheir portal kept showing different amount owed. I ended up paying over {$18000.00} which since my payment is {$850.00} a month, that is over 2 years of payments. I never received the letter on XX/XX/XXXX, at that point Id already paid over {$18000.00} and today as I was reviewing my account I noted that Cooper took {$5000.00} in XXXX of XXXX out of the {$18000.00} + I paid after forbearance ended and placed it in escrow. I was on forbearance for a year, and made payments throughout,, yet my new statements state Im short on escrow, where did that {$5000.00} go? My taxes are only {$1500.00} due XX/XX/XXXX, it was paid, where is {$5000.00}? In XXXX they refunded {$2400.00} for the forced place flood theyve been taking since XXXX, and they still charged {$610.00} in XXXX of XXXX and {$660.00} in XXXX of XXXX, it is quite clear they are adding in charges hoping to foreclose on borrowers homes. The following is what theyve taken for forced placed flood since XXXX XXXX {$660.00} XX/XX/XXXX {$660.00}, XX/XX/XXXX {$610.00}, XX/XX/XXXX {$550.00}, XX/XX/XXXX XXXX ( customer service rep said they paid my insurance with the funds, I asked who my insurance company was, she said XXXX XXXX no its through my HOA yet they were still paying XXXX for XXXX policies that they were just fined {$91.00} XXXX for ) also just this year, XXXX, after a supervisor, XXXX XXXX said shed monitor and make sure they would stop with the forced place flood insurance as they received the proof that it was through my HOA, from me, from a XXXX XXXX and even our Management company First Service ) they took two payments immediately ) XX/XX/XXXX {$610.00} and XX/XX/XXXX {$660.00}. Thats $ XXXXsubtract {$2400.00}, that was finally refunded in XX/XX/XXXX and there is still {$3100.00} that they owe me. To make matters worse, then they took {$5000.00} in XX/XX/XXXX, where the XXXX is this money? Im going to report to every other agency as this is criminal and with the economy it is reprehensible. I only owe $ XXXX on my home, I have friends and family that will pay it off if needed, so they dont have a chance of stealing this home, but the XXXX needs to stop. I have spent countless hours of my valuable time reviewing their XXXX. It. They are scamming borrowers and CFPB is just accepting their XXXX excuses? Why?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted over the years experion, XXXX, XXXX. I was also included in the data breach of XXXX and they have done nothing. Items that are very old has not been removed on my report. Also they have 60-70 inquiries on my report that never go away. That I did not submitted. And they have no evidence to backup false inquiries on my report. I have made many many disputes and they all do nothing. I feel I have been profiled and I can not do anything. Also there is XXXX XXXX  that has put a freeze on my report, like some kind of red flag. Also there are false accounts that on the report and debts that I never had. Also when I request my credit reports from all agencies it is not full disclosure. Only bits of information. When I ask them to backup what is on the reports they ignore me. Also I have been breached on my credit and nothing has been done for me in years since the breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX reported to the Credit Bureau incorrect information. They reported 2 late payments - XXXX and XX/XX/2018 creating a " 90 day past due '' when in fact both payments were electronically made. I have reported to both XXXX and the Credit Bureau several times and still remains unresolved. This affected my credit score significantly, bringing it from high XXXX 's score to low XXXX 's ( from Very Good to Fair credit ). Totally unfair to say the least.
Product: Mortgage

Fay Servicing added {$7100.00} to my mortgage balance on XX/XX/XXXX. " Misapplication reversal ''. I was not aware of this previously because Fay refused to send me any statements, balances or communication of any kind. I only got this following breakdown after the sale of my house and a separate complaint to CFPB on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are accounts on my consumer report that are a result of identity theft. I did not provide written permission with a wet signature for these accounts to be reported on my consumer report. I recently contacted you to address this issue, and I am requesting that this information be blocked and deleted as soon as possible. Your actions have caused me significant mental and financial XXXX  by including items on my credit report that do not belong to me and for which I am not responsible. I am prepared to take legal action if this complaint is not handled appropriately. These fake, inaccurate, and fraudulent items appearing on my credit record have prevented me from purchasing my dream house and providing for my family 's needs. I have attached a copy of the letter I previously sent for your reference.
Product: Credit reporting or other personal consumer reports

Based on Fair Credit Reporting Act I have unknown inquires on my credit report that are 100 % inaccurate and the agencies have not removed them : Here are my steps : I called the Fraud department for the below Credit Agencies : XXXX XXXX XXXX XXXX XXXX Experian After speaking to someone at each of the agencies about what I consider possible fraud since I don't recognize any of the extra inquiries on my credit report I was informed that the ones I have listed would be removed immediately. It has been 42 days that I have been waiting patiently and I decided to check today only to my surprise they are still there!!! 

I have been beyond patient yet my rights continue to be violated. I am about to lock all of my credit reports but The following listed below are the inquiries that are fraudulent : 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
Product: Credit reporting or other personal consumer reports

XXXX XXXX, Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXXXXXX XXXX XXXX XXXX XXXX ACCOUNT OPEN XX/XX/year>, XXXX XXXX XXXX # XXXX ACCOUNT OPEN XX/XX/year>. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

Concern about it taking over EIGHT weeks to establish Power of Attorney for individual savings account that is part of a revocable trust at Capitol One Bank. 

Background : On XX/XX/XXXX, XXXX XXXX XXXX signed her Revocable Trust. A part of that trust was the Durable Power of Attorney assigning XXXX XXXX XXXX ( XXXX ) as the lawful attorney-in-fact. 
XXXX XXXX is now XXXX and in XXXX, living in a memory care facility. 
XXXX of the items in XXXX XXXX revocable trust is a savings account with Capital One. 

The problem : It seems that Capitol One requires a Fiduciary Agent form on file to put a name in addition to XXXX XXXX onto the account. XXXX XXXX submitted the necessary paperwork to have her name placed on the account on XX/XX/XXXX, and as of XX/XX/XXXX, Capitol One has still not completed the process for XXXX to have access to the account. 

XXXX  : XX/XX/XXXX : XXXX went to XXXX, MD, branch ( XXXX ) and worked with branch manager. Submitted banks XXXX XXXX form, copy of the Power of Attorney, and letters from XXXX doctors attesting to XXXX XXXX incapacity. 
Three weeks later : XXXX went to a DC-based branch ( XXXX ) only to find that XXXX  name had not been added to the account and rather than deal with it at this branch, XXXX was told to check with the person in the XXXX again XXXX The next day, XXXX went back to the XXXX to talk with the branch manager and asked to find out what was happening. 
XX/XX/XXXX : XXXX received a phone call from the XXXX manager who was following up on XXXX  request to find out what was going on. The XXXX manager was informed that she had to tell XXXX that she had to call the bank herself and was given a phone number to call. XXXX called and was told that the Power of Attorney materials were missing from her file. ( In checking with the XXXX manager, she said that she had submitted all of the materials at the same time. I believe her. ) XX/XX/XXXX : XXXX again submits the power of attorney. 
XX/XX/XXXX : XXXX receives an email from the Power of Attorney office saying that the XXXX XXXX form that they received was incorrectly filled out. The email contained a new copy of the form to fill out. ( The bank had redone the XXXX XXXX form in the last month or so and the paragraph with the erroneous information was not even included on this new form. ) XX/XX/XXXX : XXXX resubmitted ALL of the material ( XXXX XXXX for and another copy of the power of attorney ) to the Capitol One Power of Attorney Office via email and received a generic email response that they would be looking at it in the next 5-7 business days. 
XX/XX/XXXX : XXXX sent an email to the Power of Attorney Office to challenge the further wait since it was now seven weeks since the original submission and shouldn't that office make things right. XXXX received an email that stated We have a high number of cases, so please allow us 5 to 7 business days to respond. 

XXXX checked with the lawyer for the revocable trust in mid XXXX and XXXX was informed that as successor trustee you have that power no need for your name to be put on account.
Product: Student loan

I submitted a saves application in XXXX and was told 7-15 business days to process it. Never got any updates and asked for them. 
Went to log in on their sight and was met with I needed to create another account with them as my old one was closed. This lead to me having to re apply for the saves plan again. I have also tried to get in contact by phone to have to be on hold for XXXX hrs and then never get anyone.
Product: Debt collection

Conns XXXX XXXX frequently calls my husband at XXXX, however, the phone line belongs to me. I have repeatedly told them that XXXX is in XXXX  and to stop calling. They call everyday 5-6 times. They could do an online search and verify hes an XXXX at XXXX XXXX XXXX. Im getting harassed by their constant daily calls. They have called from XXXX, XXXX, XXXX, XXXX and XXXX. Every time I block a number they call from a new one. Im already stressed with the fact he was arrested and being held on {$50000.00} XXXX. I dont need frequent collection calls for a debt I am not responsible for. We divorced in XX/XX/2020. They need to stop harassing me.
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. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I went to XXXX to see a doctor for a XXXX issue. When I arrived at the reception desk, I provided my insurance information and asked whether there would be any out-of-pocket charges. I was assured there would not be any. As such, I saw the doctor and they ran several exams. A few weeks later, I received an invoice in the mail and immediately called XXXX to dispute the charge. After all, I'd been told there would be no charge. I spoke to two different people at XXXX and both rejected my dispute outright with no research and were openly confrontational. I later received a notice from Sequoia Financial Services notifying me they would send a notice to the major credit reporting agencies that I neglected to pay. I called them and told them the situation and they were uninterested and insisted I pay. I never would have seen the doctor had I been told there was an out-of-pocket fee. And especially not if I had known just how expensive that out-of-pocket fee would be ( now {$610.00} ). Fast forwarding to today, I now have reports with all 3 major credit reporting agencies that have lowered my score from the high 700s and low 800s and brought it down to the 600s. This is patently deceptive and amounts to extortion ; threatening my finances to get paid for a service they assured was covered.
Product: Checking or savings account

On XX/XX/XXXX my Wells Fargo checking account had a {$200.00} withdrawal made from a non Wells Fargo atm. It was made from a XXXX store in XXXX Colorado I have never been too before. I called Wells Fargo and explained my card ( which had never left my possession ) had been compromised either by an ATM or Gas Station Skimmer. I cancelled that card and they sent me a new one. 

Wells Fargo initially credited me back the {$200.00} while they investigate. Then, on XX/XX/XXXX they took the {$200.00} back out of my account without telling me in advance. I didnt find out they had done this until I received an insufficiant funds email. I called them and they said their investigation led them to believe I had made the withdraw myself. I then asked for details of how they came to this conclusion and they refused to reveal that information. 

I didnt withdrawal that money. I replaced the card it happened on the minute I found out it was compromised and worked the proper channels through Wells Fargo to remedy this. They refuse to disclose why or how they came to the conclusion I am somehow trying to lie to them about this when I am not.
Product: Debt collection

I was sent by my doctors to receive an XXXX after my XXXX. I was covered my medicaid and XXXX at this time. However, my plan had changed from " XXXX woman '' to " XXXX mother. '' This did not affect my coverage. Simply the number of my policy. The hospital tried billing my old policy number and was informed that i was not covered in that plan anymore and billed me. I provided the new information, and was told IN XXXX, that this debt had been paid for and cleared. However, the calls have not stopped.
Product: Credit card

In XXXX of 2015 I had a large charge of {$2400.00}. from a vendor who I contacted to get a refund in XXXX. Since the charge was on my XXXX Barclaycard statement, I contacted their dispute department regarding this charge which they said do not pay until dispute is resolved.XXXX statement reflected no credit. Then XXXX received a letter from Barclaycard 's dispute dept that {$2400.00}. credit was issued twice therefore I owe them this money. My previous bill was {$520.00}. now amount due by XXXX of XXXX is {$4600.00}. My complaint is I think Barclays mishandled the funds in order to make a very large amount due so they could collect 25 % interest which I believe is grossly unfair when charges should have just cancelled out. Now they make it impossible for me to pay this huge amount in full and they gouge me for XXXX & interest on the balance.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$220.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

On XX/XX/XXXX I contacted Bank of America by phone in an attempt to open an online bank account. The bank stated that I owed {$230.00} in charges from a previous account with them.
Product: Mortgage

Purchasing a property the lender provided an approval and loan commitment with no restrictions. On the closing date, the lender did not fund the loan. They requested preliminary information from the XX/XX/XXXX, even after the condo questionnaire was provided. The lender asked for information post closing date. The lender refused to provide an explanation. The deal was eventually lost as was my deposit, since the loan contingency period lapsed. Lender refused to provide an explanation, rejection letter or loan terms/documents that were signed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXX/XX/XXXXthere was a a hard inquiry made by someone who was not me. This was not authorized by me and I have no idea who authorized it. From talking to XXXX XXXX they said someone tried to apply for a new card. This was not me as I already have XXXX XXXX and am content with my current card. No need for me to get an additional one. Whomever applied under my name apparently had inaccurate information which is what led for them to be denied from my understanding. Again this was 100 % fraud and not authorized by me and I hope the creditor XXXX XXXX will remove this from my file being since it was never obtained by me. Thank You, XXXX XXXX.
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 Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX : Account Number : XXXX  Account Name : XXXX XXXX XXXXXXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 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 card or prepaid card

I have a CapitalOne Quicksilver credit card, it was perfectly maintained never get late payment. The card expired in XX/XX/XXXX, I waited for couple month but didn't not receive any replacement card ( which other companies always do month leading to expiration ), I then requested replacement card on their website, another month passed and I never receive my new cards to this day. XX/XX/XXXX, CapitalOne closed my account due to inactivity.

I can not use the card because CapitalOne never send me my renewed card after the one I have expired 20 month ago, and this should not be the reason my account is closed without notifying me 30 days before they made the decision.

I would like to reinstate my account considering the impact to my credit score due to its impact on my average age of account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Take note that I did not sign up for an account with XXXX. I am extremely upset about this situation because I find it absolutely ridiculous that this information is being reported without contacting me first XXXX XXXX. I requested bureaus to validate this information and provide me with copies of any documents associated with this account bearing my signature but they were unable to supply it. CFPB step up and remove XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX   ( Original Creditor : 11 XXXX  ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX {$590.00} ; XXXX XXXX XXXX {$240.00} ; XXXX XXXX {$880.00} Accounts are not mine and were illegally put on my credit report