23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I was mischarged {$890.00} by Shell Point Mortgage Service company for Lender Placed Hazard Disbursement ( insurance coverage ) even though I have already promptly provided my insurance cover page. 

I received empty promises that the company is going to " remove the charges '' and the insurance department is going to contact me. 

Nothing happened. This company held me ( a loan borrower ) as a hostage. It ignored my consumer right and imposed mischarges over my account
Product: Credit card or prepaid card

Sometime in XX/XX/XXXX a Wells Fargo Credit card was sent to me in the mail. I don't remember applying for the credit card. Wells Fargo opened the card under my name without my consent. But I decided to keep the card open because of the cash back points. I mentioned this to a Wells Fargo Rep a few days ago, and they closed my credit card. Erasing a 3 year tradeline on my credit bureau & running down my credit. I called the Wells Fargo fraud department on Friday XX/XX/XXXX. And the Wells Fargo rep said they would rush a new card & that I would receive it Monday. Monday come around & I receive NO card. So I called the Fraud department back and they said that I would have to go into a Wells Fargo branch to show my ID. So I went into the Wells Fargo Branch on Monday XX/XX/XXXX with my ID 's. The Wells Fargo banker called the credit card support help. And after one hour inside the branch they said the card is closed. Wells Fargo has wasted my time, ruined my credit, and committed FRAUD. Wells Fargo is an unethical company. With unethically employees. They told be if I want the card back that I would have to apply for it. So I applied for it officially. And Wells Fargo declined me because the inquiries on my credit bureau. My credit is good, but they said the inquires is why the declined me. Wells Fargo will only approve me for a card when they fraudulently open one under my name. I have consulted with an attorney from my wife 's law firm who said if there is a case she will take it pro bono for the experience. If Wells Fargo does not resolve this Legal action is coming.
Product: Debt collection

I am writing to formally request the removal of an account that is inaccurately reported as being in collections on my credit report. The account in question, was paid in full on [ XX/XX/year> ]. Despite this, the account continues to be listed under the collections section of my credit report, which is a violation of the Fair Credit Reporting Act ( FCRA ). 

Under the FCRA, credit reporting agencies are required to ensure that all information reported on a consumer 's credit report is accurate and up-to-date. Since this account has been paid in full, it should no longer be reported as a collection account. I have attached proof of payment for your review. 

I request that you immediately update my credit report to accurately reflect the paid status of this account and remove any mention of collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

I instantly called Experian the moment I received the copy of my report that I purchased with XXXX XX/XX/2022 and from the time when I saw some UNVERIFIABLE items on my personal profile, I discovered that there were CHARGE OFF and COLLECTION accounts XXXX XXXX XXXX XXXX  XXXX , XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX on my credit report and address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX which are UNKNOWN to me. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent accounts and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act XXXX XXXX ( a ) the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

A copy of my Utility Bill, drivers license, and Social Security NumbeXXXX are all included in this complaint. I want you to know that I am telling the truth and by Experian not blocking these items are inadvertently resulting in me being extorted.
Product: Mortgage

XXXX XXXX bought my VA mortgage, they removed the valid tax ID. by not escrowing the taxes properly, This recognized by state and county Maine tax office. This was cleared up at XXXX XXXX, I was charged supplementary taxes, they were paid. This was apparently cleared up, I refinanced through loan depot and they did not recognize the correction. My municipal tax office has never corrected the tax obligation, since the start, they have hidden covered up the fraud, They reduced the value of my property, ruined my credit, They have ignored state and county findings.

XXXX XXXX town manager has been there for 40 years, He is the tax collector, treasurer, ombudsman, he has charge of the archives and access to {$5.00}, XXXX. daily.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 XX/XX/2019 XX/XX/2019 Each time I was told something different. I have 18 hard inquires on my credit that I did not authorize. I have sent in verification along with copies of my report requesting the inquires be verified as valid accounts or removed as I didnt authorize them. 

Thank you XXXX XXXX
Product: Credit reporting or other personal consumer reports

RE : XXXX BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that. XXXX. INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, XXXX Please remove this inaccurate information from my credit report. ACCOUNTS : XXXXXXXX XXXX  XXXX XXXX XXXX. MY ONLY ADDRESS IS XXXX XXXX XXXX XXXX XXXX, GA XXXX REMOVE ANYTHING ELSE THAT ISNT THAT.PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN 4 BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX XXXX XXXX XXXX XXXXXXXX XXXX. IF THE CONSUMER HAS PROVIDED XXXX  DOCUMENTATION TO THE CONSUMER BILLING CODE : XXXX BUREAU OF CONSUMER FINANCIAL PROTECTION XXXX XXXX XXXX XXXX [ DOCKET NO. XXXX ] XXXX  XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!
Product: Credit reporting or other personal consumer reports

I have made several attempts to get a remedy from Experian about WV Bureau of Child Support being past the statue of limitation and they did not receive written permission from me to place item on my consumer report. Experian concluded that the item was correct after alleged investigation even though item is from XX/XX/year>. After I called Experian and brought this to the agents attention, they continued to blame the company & I was hung up on. I have made several attempts to remedy this situation within Experian for several years.
Product: Credit reporting or other personal consumer reports

EQUIFAX INFORMATION SERVICES LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Inaccurate Debt Amount on Credit Report To whom it may concern, I am formally disputing the account listed under account number XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX reported on my credit file with the amount of {$180.00}. Collection agency name : XXXX XXXX XXXX XXXX XXXX, the original creditor name : progressive.This is a INACCURATE debt amount listed on my credit report. Upon reviewing my report, I noticed that XXXX XXXX has reported a balance of {$180.00} which does not match the amount they are attempting to collect, which is {$180.00} According to the Fair Credit Reporting Act ( FCRA ), all information on my credit report must be ACCURATE Since the amount being reported is INCONSISTENT with what the collection agency claims I owe, I am requesting that this account be DELETED IMMEDIATELY. 
The reporting of this INACCURATE account violates my rights under federal law specifically under 15 U.S. Code 1601. 

For your review, I have attached : A copy of any communication from the collection agency showing the different balance.
Product: Credit card or prepaid card

First National Bank of Omaha dropped the credit limit of a 36 year relationship VISA credit card from $ XXXX to $ XXXX with no advance notice, which caused issues when getting ready to travel. Contacted the VISA department and was given a poor response that due to " concerns of fraud and lack of use '' they felt the previous limit could be better used with another customer.
Product: Debt collection

On XXXX XXXX, 2016, I received mail from Midland Funding LLC about an alleged debt owned. I checked my credit report through XXXX and the debt has been reported as an adverse account. [ Account # XXXX ( Please note : XXXX omitted account 's last XXXX digits for security reasons ]. Pursuant to the Fair Debt Collection Practices Act, Section 809 ( b ), I sent via certified mail [ Mailed XXXX/XXXX/2016 ; received XXXX/XXXX/2016 ] a request to Midland Funding LLC to provide me with the following : 1. the amount of the debt ; 2. the name of the creditor to whom the debt is owed ; 3. proof that you are licensed to collect debts in Maine ; and 4. proof of the last payment made on the account. 

Midland Funding LLC has contravened its 809 ( b ) statutory requirement to sufficiently validate the debt.
Product: Debt collection

I reported it fraud to XXXX and XXXX and dispute it with them they did not give me legally investigation on the debt to be mine. They came by saying it was accurate in 24hour not right by Law. It is a a charge off. and written off.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing directly with the credit bureaus, as well as with the original creditor on the way a charge off is being reported on my credit profile.The charge off is from a voluntary repossession. The account reported has multiple inaccuracies and inconsistencies that Violate my rights as a consumer. The way this has been reported improperly on my credit profile for the past 2 years, has hurt my ability to obtain new credit. I requested removal of this account after I noticed that the balance was factually incorrect. I asked the credit bureaus to complete a full investigation of the true balance of this account, everything came back as Verified, and my dispute was closed. I asked the original creditor to send me documents that support the balance that they are reporting, because I had gap coverage for this vehicle in my contract, furthermore the vehicle was sold at Auction in 2019 and I asked them to furnish me the receipt of sale. The creditor responded saying ( In Writing ) They had no way to alternate the way they report, and any discrepancies should be filed with the Credit Bureaus to dispute. I then went back to the Credit Bureaus and disputed the account ( this time with proof attached ) due to inaccurate monthly payment. The account has been closed for 2 years, but still shows a monthly payment due of XXXX XXXX The results came back as Verified, no changes were made, My dispute was closed. I even disputed online and attached proof to the dispute that my Term Length and being reported inconsistently between the 3 Bureaus, Transunion shows Monthly, XXXX months, and XXXX-bi-weekly. 
Still no changes were made. In fact, a credit dispute specialist Modified my dispute 's reason, so they would not have to reopen the investigation in light of the new information given. ( I have proof of this ). 
The credit Bureaus have failed to do a thorough and reasonable investigation, and simply parrot information from the Original Creditor. Even though, the Original Credit has been reporting inconsistently between them, and Inaccurate Information.
Product: Credit card

BACK IN XXXX  XXXX  CREDIT CARD WAS STOLEN AND THE THIEF HAS MADE CHARGES ON THE ACCOUNT, AS SOON AS I FOUND OUT I IMMEDIATELY CONTACTED CITI BANK AND REPORTED AS FRAUD. I REQUESTED A NEW CARD. THEN CITI BANK DECIDED THAT THE CHARGES ARE NOT FRAUD, I A MNOT REALLY REALLY SURE HOW THEY CAME TO THAT DECISION, BASICALLY SOMEONE SITTING BEHIND A DESK DECIDED THAT THE CHARGES ARE NOT FRAUD, THE CHARGES ARE FRAUD SINCE MUCH OF THE CHARGES WERE MADE OVERSEES IN OTHER COUNTRY 'S AND ALSO HERE IN THE UNITED STATES, IT COULD NOT HAVE BEEN MINE SINCE AT THE TIME MY MOTHER WAS XXXX XXXX IN THE HOSPITAL XXXX XXXX XXXX XXXX AND I HAVE PROOF OF THAT. I HAVE MANY TIMES CONFIRMED WITH CITI BANK REPRESENTATIVE WHICH CHARGES ARE NOT MINE, AND THEY HAVE ASKED ME TO SEND THEM A WRITTEN STATEMENT WHICH OF COURSE I HAVE DONE. THERE IS OVER {$10000.00} CHARGES THAT ARE FRAUDULENT. THIS IS DISCRIMINATION AGAINST MYSELF AND AGAINST MY CREDIT PROFILE. I HAVE GONE TO SMALL CLAIMS COURT AND THEY ARE DENYING MY CASE WITHOUT ANY NORMAL REASON, IT ALL BASED ON ASSUMPTION. I NEED TO KNOW WHO IN THEIR RIGHT MIND WOULD PAY FOR ITEMS OR SERVICES THAT WERE DONE FRAUDULENTLY.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account was listed by Experian to be closed this month XXXX. Account is not closed but date was changed from XXXX to XXXX. Account has incorrect data and should be removed from my credit report.
Product: Credit reporting or other personal consumer reports

I have requested a 1099c From XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXXXXXX XXXX so that I can file it on my taxes since they have written of the alleged debt and reported it on my credit report, however they wont send me the 1099c Document. XXXX is reporting my account to the consumer reporting agency but they sold my account to third party debt collector, this account is indisputable it must be deleted. Also I requested XXXX XXXX to validate the alleged debt and all they sent was statements. Theyre required by law to send me the validation procedure according to 12cfr 1006.34c section format and XXXX XXXX failed to do that. I am demanding these accounts to be deleted. Thank you.
Product: Credit reporting

I had a lein placed against me by the state of California for unpaid state taxes in XXXX. The lien was registered in XXXX XXXX XXXX in XXXX XXXX and paid off in full in XXXX XXXX. I have asked Equifax to remove the notice of the lien but I am told it is their " policy '' to keep liens for seven years FROM THE DATE OF PAYMENT. So, if you pay off the lien, you 're penalized for seven years after the fact. This is n't a good policy. It 's harmful and it punishes the very people it should be rewarding. 
I 'd like you to speak to them about this and, hopefully, have them revise this punitive policy. Thank you.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Venmo because they have frozen my account on their platform due to " security concern '' about 14 days ago. I confirmed with Venmo via email, and phone multiple times that the transactions were ones that I was attempting to make and they confirmed the transactions that caused the freeze. The transactions that triggered my account to be frozen were one transaction that happens monthly ( same amount, same time, same person ) and the second was payment to a Venmo approved business. When speaking with a representative on the phone they agreed that these transactions should not have resulted in my account being frozen. 
I have no ability to remedy this situation and continue to be told that some one will reach out to help me solve this issue, still waiting for that to happen. 
Venmo offers no other solutions for this issue other than to wait, initially I was told this would happen with in a few days, then on the next call I was told 7 days, it was not until the 3rd call that I was told it can take up to 3 weeks. 
This wait time does not make sense if I, the account holder, can verify the transactions as my own and verify my identity. My bank is able to handle similar issues with in 24 hours. A company that has been operating for 13 years and grossed over {$850.00} XXXX last year alone should maybe invest more in the actual customers ability to utilize the platform.
Product: Vehicle loan or lease

Hello my name is XXXX XXXX, I opened a new auto loan account with 5/3 Bank end of XX/XX/XXXX. Things were fine. I had it on auto pay and all was well. Until XXXX of XXXX. 2 payments were taken out of my bank account that month. I had reached out a few times. The documented conversation I have is from XX/XX/XXXX. I was told I would receive my refund back to me in 5 days. They would request a direct refund into the bank account it came from. After 5 business days, I called in and was told they had no record of the request for the refund. This was XX/XX/XXXX. I went down to my local bank to refinance as I was frustrated. We had called in and got the pay off quote. The quote was {$9400.00} with a per diem of {$1.00} per day. I have confirmed this with multiple reps and am including two instances of the confirmation. A check was sent out for {$9400.00}. I confirmed with two different reps that the check was cashed on XX/XX/XXXX. Six days of per diem would be {$8.00} and then the total amount I was set to owe was {$9400.00}. The check was more than that. They sent the overage back to the bank, along with the title. From what I have come to find out. The payment I asked to be revered on XX/XX/XXXX. That I was then told they had no record of, was then revered on XX/XX/XXXX. Almost a month after it was requested when I was told bank policy was to release the funds after 5 days. 17 days after the buyout agreement, and 12 days after cashing the check. I had no way of knowing of this issue, mostly due to personal circumstances, such as graduating college and moving. I also havent received proof that the refund was actually sent, but at this point thats is a tiny detail. I wasnt informed of any additional payment they believe I owe until XX/XX/XXXX. I asked when they sent to title to the new bank ( XXXX XXXX XXXX  ) and one representative refused to tell me. I traded in the vehicle on XX/XX/XXXX when I purchased a new vehicle. Neither the dealership or the new owner/ new owners lien holder had any issues with the title. I was told by many representatives if I have the title then the loan was paid off since the title isnt sent until the system recognizes the loan is closed and finalized. The rep that refused to tell me when I was sent the title, said if I had the title then u no longer have an obligation to 5/3 Bank.
Product: Mortgage

We have been unable to obtain a copy of an appraisal from XX/XX/XXXX. We were charged {$600.00} for an appraisal to remove the PMI from our loan. My wife and I have made numerous requests for a copy of that appraisal. Instead we have been sent the appraisal from when we first purchased our home in XX/XX/XXXX. I would like to be faxed or emailed a copy of the appraisal we purchased from XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following accounts have violated my rights. Listed are the accounts that have negatively affected my credit with improper reporting. 
XXXX XXXXXXXX XXXX  XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXXXXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

! 5 U.S.C 1681 section 604 A Section 2. Also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

My accounts with XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXere never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX, XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit card

XX/XX/year>XXXX  - I received a piece of mail from XXXX XXXX XXXX  and went to the bank and filed a report for a fraudulent account then filed a report to XXXX XXXX police department XX/XX/year>- I got an alert from XXXX saying that a credit card was open and my Best Buy credit card was maxed out when I have not used this card in over a year XX/XX/year> - I froze all three credit bureaus, gave the XXXX police report to XXXX XXXX, met with XXXX, deputy, received multiple credit card applications in the mail, called Best Buy to close account, but they were unable to and froze it for now and are investigating the disputed charges, I called XXXXXXXX XXXX XXXXXXXX XXXX and closed the fraudulent open account, I filed XXXX XXXX police report because over the phone. They said that the charges were in person at the XXXX XXXX store in Ohio. I also received a phone call from XXXX XXXX Police Department saying that they caught the criminal. 

XX/XX/year> - I filed a police report with XXXX police department regarding the multiple credit card applications with some active fraudulent accounts in my name XX/XX/year> - Filed report through identitytheft.gov and have PDF copy of report
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, XXXX XXXX furnished on my credit reports with Equifax, XXXX, and XXXX that my account with the number XXXX XXXXXXXX was charged off. According to the IRS, when a debt or an account is charged off the account needs to be reported as income by the lender and borrower. If this account is supposed to be recorded as income for tax purposes then by default it is inaccurate to be furnished on my credit reports as these reports do not furnish income. I sent letters to the credit reporting agencies Equifax, XXXX, and XXXX to have these inaccuracies corrected but have not gotten this resolved.