23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/19 NewRez, my mortgage company, took {$910.00} from my escrow account to pay an insurance premium for another customer of theirs ( not my own ). Around that time, my insurance agent and I communicated with the NewRez insurance department about this error and we were told that it was being corrected. However, it is over 5 months since then and this issue still has not been corrected. The " escalation agent '' assigned to my account has shown no sense of urgency in getting this resolved and does not return her voicemails. Additionally, the hold time when calling the NewRez insurance department has been as long as 5 hours. These factors have made it virtually impossible to communicate with the company regarding this issue. On top of this, I have been told the reason that my account has not been credited yet is that NewRez is waiting for a refund from the insurance company that was paid with my money, a matter which has no bearing on when and how my account should be made whole.
Product: Credit reporting, credit repair services, or other personal consumer reports

Citi Cards state that they have a Identify Theft Solutions Department on their website of https : //www.cardbenefits.citi.com/Products/Citi-Identity-Theft-Solutions I understand the pandemic situation right now, however, when I have contacted the general customer service team in the past week, I was then contacted days later by XXXX, in the Executive Response Unit. After being on the phone with her she only wanted me to hear what she had to say and would not listen to me thoroughly. She refused to let me speak to anyone else, and no matter our discussion, she would not correct the situation, nor would she transfer me to or let me speak with the credit review team or fraud area that I was requesting. The call continued in the same manner and she still refused and then disconnected the call. When I attempted to contact her back, she would not answer, I also sent another email, and she did not reply to it either. As discussed with her, I advised her I would be sending a complaint to the XXXX  and the Consumer Financial Protection Bureau. She said that those complaints go to her office as well. This is a identity theft and fraud concern,. I want someone in that particular area of fraud or identity theft to contact me. Also, there is a phone number listed to contact the Fraud area at XXXX. After being on hold, someone not in the US answered and stated I had reached a checking/savings area. I explained I needed Retail Card Division. I then was transferred again and was on hold until someone else answered that was not in the US and I had reached the Commercial Bank Card area, I was then transferred again, and I reached Personal Bank Cards, then I was transferred again and I reached Commercial Retail Division, and was then transferred again to the Personal Retail Card division in which I am still on hold now and the call is now 3 hours and 8 minutes. I understand again the pandemic, however the representatives need to listen to the customer instead of being transferred all over the place and stress the first call resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed an Item XXXX XXXX account ) on my credit report three times XXXX XX/XX/2020, XX/XX/2020, and XX/XX/2020 ) with no acknowledgment or confirmation from the credit bureau as to why this item is on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Well due course of law and ''due process of law " expressed a Desire, in order prevent in order to prevent. Misconstruction or abuse .I am in a EMERGENCY BANKING ACT, MARCH 9, 1933, 48 STAT. 1, PUBLIC LAW 89-719 ; BEING BANKRUPT AND INSOLVENT.PLEASE LOOK OVER MY ACCOUNT AND ADDRESS ANY CHANGES NEED TO BE MADE. PLEASE APPLY THESE LAWS TO MY REPORT. 


Title 18 US Code Sec.241 & Sec . 242 Title 42 US Code Sec. 1983, Sec. 1985, & sec. 1986 : clearly established the right to sue any one violates my constitutional rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, all three credit bureau and XXXX XXXX, I have received a notice from the collection firm XXXX XXXX ( original creditor is XXXX XXXX XXXX ) suggesting I owe {$260.00}. This account was previously under Diversified consultants and it was remove between XXXX and XXXX because this item as well as the original creditor were disputed, now this same collection agency that was REMOVED on all 3 credit files has re sold my account to a new collection agenct, who have threaten me and sent a notice that if I don't pay this debt ( which is not mine ) within 30 days from notice that " ... ..report this account on your credit history ... ''. So now I will yet take another hit to my score which is wrong, I humbly request since this account was already remove from the same original creditor XXXX XXXX XXXX. That it be remove OR not allowed to report false erroneous collection on my credit file, this debt does NOT belong to me. Also as all bureau are aware that I'am an identity theft victim, I would like to advice that I have received my results from XXXX  that my Social Security number has in fact been found associated with another individuals account information, I have taken a picture of XXXX notice with the results I ask you also take into consideration this document for all other items in dispute. I also have attach more documents associated with notice receive and also more proof. 
Also please if possible CFPB I'm unable to send this complaint to all 3 credit bureaus can this also along with my attachments be forward to XXXX and XXXX, I was only able to add 2 additional companies so I also sent this complaint to Diversefied consult and XXXX.thankyou in advance CFPB for your help with this matter!
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear to whom it may concern, My name is " XXXX XXXX " ''. I have been trying to report inaccurate items in my credit report over years but it never worked. I am repeating my complaint to request investigation on these following items below within 30 days according to Fair Credit Reporting act. 
**Address** XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX NY XXXX These addresses are not belong to me. I have attached proofs of my recent and only address. Please remove the incorrect addresses as they are preventing me from obtaining my credit score. 
XXXXCredit cards*XXXX _XXXX XXXX XXXXXXXX Reported XXXX XXXX. XXXX, XXXX How can there be XXXX XXXX  monthly payment on a closed account. Delete immediately. 
_XXXX XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX How can there be XXXX XXXX   monthly payment on a closed account. Delete immediately!!! 
**Credit card** XXXX XXXX XXXX XXXX Reported : XXXX XXXX XXXX This charge off account does not belong to me and the creditor or collection agency does not have any signed contract with me or my information. I demand this to be removed. 
**Other loans** XXXX XXXX Reported : XXXX XXXX, XXXX This charge off account is not belong to me. The collection agency doesn't have any signed contract with me or my information. 
*** According to FDCPA Section 809. Validation of debts [ 15 USC 1692g ] ( b ), the collector must then respond back to me in writing, showing that the debt is your responsibility and that it is entitled to collect the monies either on behalf of the creditor or as the new owner of the account and until the collector provides me with this evidence, this charge off account has to cease all collection activity. If the collector can not validate the debt with at least some cursory evidence, it must permanently cease all attempts to collect the debt and remove all indications of the collection account from your credit report. 
**Hard Inquiries** _XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX All Banks Contact the inquirer : MAIL ONLY UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION
Product: Money transfer, virtual currency, or money service

On XX/XX/2020 I had {$80000.00} USD wired per instructions given by XXXX XXXX XXXX XXXX to a business account that I have at XXXX. XXXX   The funds came out of my account at XXXX XXXX XXXX XXXX Iowa thru XXXX to XXXX XXXX Bank of America account. The money was never received in my account. My bank here in XXXX Iowa, XXXX XXXX   has made numerous attempts to get information from Bank of America and cant get them to reply to secure messages, phone calls, or emails from both XXXX and XXXX XXXX. I have also been in contact with XXXX XXXX which says the funds are not in their Bank of America account. My Bank XXXX charter has also tried to pull the funds back from Bank of America which we have gotten no response from. 

This is a related complaint on different Bank. Complaint # XXXX
Product: Credit reporting or other personal consumer reports

I XXXX XXXX am a natural person submitting this complaint... I am not using a third-party agency. I have sent in disputes to Equifax asking them to delete a charge off and a repossession off my consumer report. I have asked them to please provide me with the method of validation, I would like to know the steps that was used to validate this debt I need all correspondents of who you spoke with their phone numbers and email address, etc. Equifax does not have 30 days to respond they have 15 days to respond. simply matching a name and date of birth is not enough to say that they have validated the debt that they perceive to be min ; that is merely a verification process. I need to know the method of validation. I also wanted to make note that my last date of activity is inaccurate. my last date of activity is being updated continuously with a repossession and a collection/charge off account which is inaccurate because that falsifying date of payment information.
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 confidentially 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 XXXXXXXX ; I looked at my Transunion credit report On XX/XX/year> and noticed some things are incomplete and not accurate . And according to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

According to 15 USC 1681 ( i ) ( 5 ) they are suppose to do this ( 5 ) treatment of inaccurate or unverifiable information : ( A ) in general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( I ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promply notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

According to 15 USC 1681 ( s ) -2 they are suppose to 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, credit repair services, or other personal consumer reports

There are unauthorized inquiries on my credit report from the following institutions : XXXX XXXX  ( Bank ) XX/XX/2023 XXXX XXXX ( Bank ) XX/XX/2023 XXXX  XXXX ( Bank ) XX/XX/2023 XXXX  XXXX XXXX ( Bank ) XX/XX/2023 XXXX XXXX  ( Bank ) XX/XX/2023 XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX, 2023
Product: Debt collection

Continue to call and leave messages to call back not stating who they are or what they want. When answering they ask for personal information before stating who they are or anything
Product: Credit reporting or other personal consumer reports

REMOVE BANKRUPSTY IT SHOULD NOT BE ON MY CREDIT REPORT THERE IS SEVERAL ERRORS AND NO DEBT WAS EVER PAID NEVER DID THIS XXXX HAS REMOVED AND XXXX
Product: Credit card or prepaid card

I was shopping at XXXX  on XX/XX/21 and left my purse in the cart or at the register. After putting away my things after noticing I didnt have my phone I ran back into the store to try to find my purse which had my phone, cash, ID, house keys, etc. 
I immediately went to security and let them know that my items had been stolen and we went to look on the camera. We could see me at the register and putting my phone and purse on top of the shelf nearby to ring up my items and than I walked off in that same instance someone else walked behind me and grabbed my purse immediately and walked off. 
Soon after I seen this I logged into my chime from my friends phone to disabled my card and noticed this person sent someone money one for {$1000.00} than a XXXX XXXX to someone else for {$150.00}. 
I wasnt able to cut off my phone till I got to a store but once I was able to do that and finally get a hold of chime i cancelled the debit card connected to my XXXX XXXX 

I contacted my back right away they acknowledged that it was fraudulent and issued me a new card. Right after getting off the phone with them not even sending in the documents they requested they denied my claim automatically. I sent in a lot of proof including the police report I filed. This is not the first time chime has done this to me and Im not very happy about this because this was a lot of money
Product: Mortgage

Servicing rights to my mortgage were transferred before my first payment. There was no notice of transfer of servicing rights given to me by the original company ( XXXX XXXX ) or the new company ( CMC Funding Inc ). Neither company will give me further instructions in regards to making my first payment. The only reason I found out that CMC now has the servicing rights over my loan is that they were listed as the servicer on a transfer of ownership of my loan
Product: Checking or savings account

On XX/XX/XXXXor XX/XX/2018, I requested my bank Wells Fargo to place a stop payment to XXXX XXXX in the amount of {$220.00}. On XX/XX/2018, I was charged {$31.00} for the stop payment fee. To my surprise, on XX/XX/2018, when I checked my checking account, XXXX XXXX successfully withdrew {$220.00}. I immediately contacted Wells Fargo to ask why was XXXX XXXX paid {$220.00}, XXXX XXXX of Wells Fargo gave me a ton of excuses even though she saw that I had a stop payment to XXXX XXXX for {$220.00}. I was asked to get transferred to a supervisor and that's when I was talking to XXXX XXXX who did the same as XXXX. She gave me a lot of hot air was not able to explain to me why the bank made the error. Instead, both XXXX and XXXX said I need to fill out a dispute form and that once it gets investigated ( 10 days later ),  that I would either receive the funds back into my account or not. This bank is the absolute worst!
Product: Credit card

I am requesting an investigation into accounts from companies that are wrongly marking late payments on my credit report. Upon review, I found inaccuracies in these accounts, and there should be no late payment remarks on them
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the account : XXXX XXXX - XXXX XXXX. Please remove.
Product: Debt collection

I called California Business Bureau , Inc. on XX/XX/2020 at XXXX. I spoke to XXXX XXXX ( ext XXXX ). XXXX took the time to admonish me for not paying my bill. I explained I had never been sent to collections before, but due to a family tragedy, I had lost sight of one small medical bill. I settled my debt quickly and asked for a deletion letter. XXXX informed me that she would send out the deletion letter as a one time courtesy and again admonished me for the oversight. I thanked her and explained I don't expect to ever get sent to collections again. XXXX informed me the letter will be in the mail and to wait 7-10 business days. When I didn't receive the deletion letter, I called XXXX back on XX/XX/2020, to check on the status of the letter. XXXX then informed me the letter was never sent but that it will go out in the mail the next day and that I needed to wait another 7-10 business days. I told XXXX that since I was going through a refinancing of my home, the lender required the letter immediately and I asked if she could either email it or send it via expedited mail ( like XXXX ). She informed me that she couldn't but that I could go in person to pick it up. I informed her that due to COVID-19 and me being in a high risk category, I didn't think that was a risk I should take and again asked her to reconsider my request. When she refused, I asked to speak to her supervisor. XXXX didn't want to pass me to her supervisor but eventually put me on hold. I spoke to XXXX, who said she was the " Vice President '' of California Business Bureau and reiterated she couldn't send me the deletion letter via expedited mail. She interrupted me and took the time to admonish me for not paying my bill, again explained the deletion letter was a courtesy and became rude, hostile and aggressive when I tried to speak and ask why she couldn't send me the deletion letter via expedited mail when I had already settled my debt. She was more interested in speaking over me and giving me a life lesson, than holding up her part of the agreement and providing me with the letter. She then hung up on me. I'm concerned XXXX will now not send the deletion letter out of spite and that that I won't be able to refinance my home. I'm also concerned this settled debt will affect my credit score, which I've worked hard to keep in the XXXX. These people shouldn't have this much power. It goes to their heads and they can cause further financial hardships. They are part of the problem and not the solution. I'm requesting help to procure this deletion letter and would like to lodge a formal complaint against this debt collector for not acting in good faith.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unable to access my dispute results with Equifax. I received an email saying I could log into see well I tried to log input the dispute case number. I got the following message below It looks like we need more information to securely match you to your dispute file. Our consumer care team is ready to assist you with that. Please call us at XXXX between XXXX XXXX   until XXXX XXXX  EST, seven days a week so that we can help. 

I even tried to call today XXXX XXXX went through the prompts waited for a rep only to be deconnected several times .today
Product: Student loan

Navient raised my payment to $ 300+ a month because I got a pay raise. I asked if they could recalculate it and they told me that I would have to submit additional pay stubs. Which would only result in the same payment or even higher. Then when I asked what my other options were they said I could put it in forbearance and that was my only other option. Which means Im going to end up owing a lot more due to the interest.
Product: Credit reporting or other personal consumer reports

Navy Fcu was deleted and came back after months but the information was not verifiable and needs to be removed
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2019 contract callers has placed four derogatory accounts on my credit report. Im not aware of this company and how they got my credit information and they continue to impact my credit with their multiple reports. They say I owe {$540.00}.
Product: Student loan

I called Navient on XXXX XXXX, 2015 around XXXX in order to discuss a possible payment plan for my private loans. A woman whose name was XXXX ( Employee # : XXXX ) agreed to assist me. During my call, I endured some of the worst customer service ever. XXXX was extremely rude to me, and she said if I was unhappy with her customer service skills, then " what I can do ... is pay these x amount of dollars so that I would n't even have to speak to her. '' Her tone was incredibly unprofessional, and while we were on the phone, I could hear her coworkers laughing in the background after every response. I know calls are typically monitored and recorded for quality assurance, but with her very nasty attitude, I fear she may have turned off the recorder before all of her rude comments/remarks ensued. When I addressed her unprofessionalism, she snidely asks " have you even worked in customer service? '' and I say " No, I have n't ; however, I have dealt with several customer service representatives, and I can assure you I was treated a lot better than you are treating me right now. '' Her response was that " if I did n't like the way I was speaking to her, then I could just give her a XXXX score in her customer service survey '' and that next time I call someone who is trying to " help me, '' then I need to make sure that I am " in a better mood. '' She spoke over me for much of the phone call and ultimately hung up on me after she spoke her peace. Never in my life have I been treated this way on a professional phone call.
Product: Credit reporting, credit repair services, or other personal consumer reports

Payments were posted in XXXX and XX/XX/2018 for my XXXX  account. Still there is 30 d late reported to XXXX/Equifax and XXXX. I asked XXXX/Equifax and XXXX  to investigate. They still keep show 30 day late.
Product: Mortgage

On XX/XX/XXXX, we closed on a HELOC with Citizens Bank for XXXX dollars. Shortly after, I received XXXX bank checks from Citizens to payoff outstanding credit cards and a personal loan. 
On XX/XX/XXXX, I went to the Citizens Bank branch in XXXX XXXX XXXX, in Florida to make a wire transfer for XXXX dollars. The wire transfer was an investment opportunity in my friends and former co-worker 's company. A person I have known for XXXX years. 

A few days later I received a telephone call from Citizens Bank fraud Department, the person on the phone requested that I explain the purpose of the XXXX, wire transfer. She also told me, that the HELOC funds had been frozen due to suspected fraud. 
I explained to the bank employee the nature of the wire transfer. After my explanation the Fraud Department employee was satisfied and informed me that she will report to the Bank our conversation and will proceed to request the reopening of my HELOC. 

On XX/XX/XXXX I contacted Citizens Bank regarding my HELOC funds that are still frozen. I received the same answer that the account was frozen due to fraud. As of XX/XX/XXXX my HELOC funds are still frozen. I currently making payment towards my HELOC loan.