23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Sovereign lending group kept running my credit report vi inquiry multiple times even after I told them I no longer wanted to move forward with them. Hey did this in XXXX ( when I told them Id not move forward ) XXXX and XXXX. They also keep calling me despite me telling them multiple times that I never want to deal with them again.
Product: Checking or savings account

On XX/XX/2018 between XXXX I deposited XXXX in the bank, filed a case with the bank twice and they are telling me that only found XXXX which makes me furious because I told them to review their cameras and look again the bank stated that they are not going to give me back my money .Also the bank charged me XXXX for calling with out my permission they took it out of my account.They need to shut down BB & T bank it is very awful and too much issues .My goal is to get my money back because I am XXXX and I am very independent and I take care of myself and I pay over XXXX in bills every month and when money is missing its a problem.So please look into this because I need my money back.
Product: Credit card or prepaid card

I filed a complaint with Bank of America telling them that there was money stolen from me from my ex. I told them that I had known out of the car being activated and I didn't. I didn't receive the card. They deny my claim saying that the card was sent to my address and activated with my information. I don't deny this but I deny that it was me who did it. I think the police reports in the statement explaining to them that I was going through a XXXX XXXXXXXX relationship from the person I was with for 5 years and found out that he had been stealing from me the whole time and that he is the one who intercepted the card and activated it with my information and spend it. They denied it. I had a reconsidered this time I send policy supports and it's everyone mistake man telling them that here 's my proof of what I'm saying. They denied it again with the same reason because of his activated and came to my address that it had to be me or I had to have gave someone permission to do it and both of those are not true. So I'm trying to get help with it because that I had to reconsider for the third time but it let me to believe that when I sent the information in for the reconsideration that it was overlooked or not looked at because you denied it for the same exact reason. I sent you proof and telling you why it seems that what I did it but I don't think that might statement was red or my police reports were considered because how could you get that if I'm telling you that the guy iXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and here cost to proof I had to messed up all this issues and may police reports about loss of property fraud things that he were stealing from me when I found out about that the stuff. So how could you not take that into consideration when I'm showing you a black and white? Here 's the proof of it. I also have two different protective orders from two different cities from two different judges for the same person I sent copies. One is from XXXX XXXX. The other is from XXXX XXXX XXXX. They were giving on the XX/XX/XXXX and XX/XX/XXXX of this year. Stating that they feel I need protection from him. Same person. Two different cities. Two different judges. Same outcome.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a delinquent inquiry flagged on credit report on XX/XX/XXXX in the amount of {$780.00}. It was from a presumed XXXX account from Transworld. I contacted Transworld because I had no knowledge of the account. Transworld informed me it was from a XXXX  XXXX  account. I contacted XXXX  XXXX  and they informed me that the account was from XXXX XXXX and was under another name ( not mine ) but it was my social security number attached to the account. I informed them that I had no knowledge of this account from XXXX and never received any notifications during the time frame up until now with it hitting my credit in delinquent status. I was told by a representative I would have to report as fraud though my local police department before and if anything could be done and I was also advised that I could file a complaint on the XXXX  XXXX  cite through the email portal. I have reached out twice via that portal and have not received and feedback or call back regarding this issue.
Product: Debt collection

Wakefield & Associates at XXXX XXXX XXXX XXXX XXXX XXXXXXXX has been sending me collection notices in the amount of {$490.00} the collection has been reported as past due. I do not know this company. I have never done business with this company. This company does not have a contract bearing my signature.
Product: Credit reporting or other personal consumer reports

The Consumer Financial Protection Bureau ( CFPB ) has documented Equifaxs repeated failures to conduct proper investigations into consumer disputes, even facing legal action for violating the Fair Credit Reporting Act ( FCRA ). This track record of non-compliance is unacceptable, and I will not allow my credit profile to be affected due to negligence or misconduct. 

Federal law ( 15 U.S.C. 1681i ) is clearEquifax is required to conduct a thorough reinvestigation of any disputed information within XXXX days. Any data that can not be verified as XXXX % accurate must be deleted from my report immediately. I am demanding that these errors be addressed without delay, as their presence is directly harming my financial standing. Non-compliance will not be overlooked.
Product: Credit reporting, credit repair services, or other personal consumer reports

please please please can yall make these bureaus obey the law. when XXXX had a breech last year all of a sudden I had collections accounts,3 different ss numbers, different addresses, and new opened accounts that didn't belong to me..some information was removed like the addresses, ss numbers but they refused to removed 4 collection accounts they continue to send back verified when I asked them for the method of verification I am constantly ignored by law this is against my rights and against the law .The law states that the bureaus must report 100 % accurate and true information.they refused to verified the accounts below These accounts in question are 1 ) XXXX XXXX XXXX 2 ) XXXX XXXX XXXX 3 ) XXXX XXXX 4 ) XXXX XXXX MANAGE SOME OF THESE COMPANIES ARENT EVEN LEGALLY ALLOWED TO COLLECT IN THE STATE OF LOUISIANA.

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g, I was expressing my right to demand that the bureaus disclose there compliance with Metro 2 and disclose to me all of the documents that they have recorded and retained in there files at the time of this request concerning the accounts that you are reporting in my credit report.

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA because they refused to provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA They are required to promptly DELETE all information which can not be verified.
Product: Checking or savings account

First I had my money transferred last month and I locked my card due to suspicious activity. They were putting every reoccurring transaction regardless of my account. They hung up every time I called and asked why so I then told them to close out my debit card because I was going to end introuble with the way they do business. Then I made two transactions to transfer money over to my new account. Also its a XXXX  account. They shut my whole account down and refuse to let me have any access to over XXXX. I have the documents and every time I try to get any information it tells me close the account to0. Why am I giving them XXXX XXXX In the situation my money would have been here my dog ate something and I. Can not take to the XXXX or leave her and if she dies its going to be their fault for hanging up every time and not having any reason to do what they are doing. The money was already in complete mode at XXXX. I spoke to XXXX  where I tried to find out because the number it told me to call about the denial of transfer of my funds that they are hanging up with no explanation. I finally got XXXX of them and they told me that I used my savings account. That is clearly not true. In three middle of this my dog needs XXXX  XXXX in which the money would have posted and said it did complete then decided to reject and lie about it and said XXXX  was trying to take it out of my savings account. Thats not true and I will. Give you the documents in the complaint and if they dinot not send my money. They locked both me and my husband s card I cann ot go to a branch while my dog is in the situation to begin with for my own money in which I guaranteed they will not return that money. They wont even speak to me. They are the most unethical I compassionate and they are incorrect I believe they are mad because all my accounts were locked and they continued to pay things I didnt even authorized and had no reason to give me on why they are doing. If I dont have the money that shouldve have been posted. The money said the transfer was complete yesterday day because Im sitting here now with not enough money to take my XXXX dog to a vet its the fault of theirs and I want to press charges to. The fullest stent of the law
Product: Mortgage

We have had our home mortgage through PHH mortgage since XX/XX/XXXX, and purchased for {$410000.00}. We put a minimum amount down due to the interest rate being so low. We new that once our loan amount was lower, or value increased, we would be able to drop our PMI. 

As of today, XX/XX/XXXX, our payoff is roughly {$370000.00}. The housing industry has vastly increased since we purchased our home. In XX/XX/XXXX, we payed PHH the requested amount to obtain a Broker Price Opinion. Multiple houses on our neighborhood with similar square footage have sold for over {$500000.00}. We were confident that based on this information our Broker Price Opinion would adequately reflect the market increase. Upon contacting PHH and requesting an update multiple times, we were advised that the BPO came in at {$420000.00}. Perplexed by this, we had them send us a copy of the appraisal. We were rather surprised to see that the appraiser forgot to include any of our fully finished walk out basement in the basement square footage portion of the BPO. The bedroom, bathroom, and number of rooms on the BPO repflected the rooms in the basement. Pictures of these rooms were also included in the BPO. We contacted PHH, who also has the original appraisal from XXXX, which reflects the basement square footage. The original appraisal was a fully in-depth appraisal performed by a state certified appraiser, not a real estate agent performing a broker price opinion. PHH said they were aware of this, and would take it into consideration, but also requested the legal description of our house. We submitted all information requested, even though they should have it. The most recent email from PHH is requesting additional legal documents that reflect the propertys square footage. PHH gave us the original mortgage based off our original appraisal showing a total square footage of XXXX. This appraisal was considered an acceptable documentation of our homes square footage when obtaining a loan from PHH.

We have gone back and forth, and PHH refuses to use our square footage from the original appraisal, and refuses to allow another BPO to include all of the homes square footage.

PHH is expressing predatory lending habits and is taking advantage of a XXXX veteran
Product: Credit reporting or other personal consumer reports

To my frustration, I found an unauthorized inquiry on my credit report this morning, and I have no clue how it got there. I always monitor my report, and this time, something was seriously wrong. I even attempted to refresh my browser, but the inquiry remained. This situation is unacceptable, and I expect an urgent resolution. Please go through my documents carefully and fix this issue once and for all.
Product: Credit reporting, credit repair services, or other personal consumer reports

If, after my 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 ( 1 ) 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 Accounts being disputed : Account Name- XXXX XXXX XXXX XXXX XXXX -This account does not belong to me.
Product: Mortgage

During my mortgage loan application for my house, the Loan Officer at XXXX, XXXX XXXX, promised me to get rid of a loan origination fee in the amount of {$2400.00}. I was rushed to sign all the loan documents and was told that she was going to go over all the details with me later. When I confronted her about the removal of the fee ( which she did not remove ) she said : " Oh shoot, I forgot.. do you want me to redo the whole loan? ". I was really XXXX at her and really mad because I was in a rush to move in to the house since I had already gave the 30 day notice to my previous landlord. I will never ever recommend XXXX to anyone, especially with this women.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sued Ally Financial for harassing me with phone calls about payment. I won over 3k from them with a settlement. They blocked me from using the online payment portal and wouldn't speak to me over the phone which caused late payments. They are still harassing me by reporting to the 3 major credit bureaus, XXXX, XXXX   and XXXX  by showing late payments which they caused by blocking my online access. My account is paid off and I don't want them reporting to these bureaus. ( Improper use of account ) they can't report this account due to harassment. I see that they like giving away money so I will sue them again! If they don't contact the 3 bureaus and have this remove their reportings and send me back a letter stating that they closed and removed my account from these bureaus. I will file a complaint with the CFPB, BBB, FTC and any other company that accepts complaints along with sueing them again! I am sending letters out to the locations in XXXX and the location in XXXX, MN. and will wait to here back from them. If they don't they will have to deal with my lawyers again! Please removed this from reporting or send a letter stating that you will agree to XXXX, XXXX  and XXXX  to have this removed. I will remove the complaints and Reviews once this is done, Thank you!
Product: Mortgage

Selene Finance XXXX XXXX XXXX XXXX, PA XXXX has taken money from my checking account two times in one month, in XXXX, XXXX two payments of {$1100.00} were taken from my checking account ( total of {$2300.00} ). Right after those payments were taken I was sent a printed mortgage statement for {$2300.00} due the very next month XX/XX/2022 ( that number doesn't make sense because there is not even a late fee included in this number, which also indicates that I am on time and current ). At the same time, online my log-in account with Selene Finance shows that no payment to come out until XXXX which would allow me an extra month to catch up due to me having two recorded payments, instead of this inaccurate promise {$1100.00} was taken very recently XX/XX/2022, from Selene Finance L Selene Fin XXXX XXXX My escrow account shows ( {$3400.00} ) needs to be audited/evaluated and the difference sent back to me immediately. There is no reason to have that much in the account for escrow. 
I am currently seeking {$2300.00} from Selene Finance because they have taken extra payments, not in agreement with my loan documents and verbiage. This is along the lines of predatory lending and my bank account is always at risk of overdraft or bouncing with these types of mismanagement. Any mistakes will start a foreclosure process.
Product: Credit card or prepaid card

I had a credit card with Khols/Capital One in  XXXX   XXXX . I noticed fraudulent charges on my card. Khols said they were working on it. They closed the card. Then they charged it off in  XXXX . They reported it as a charge off. They never investigated the fraudulent charges. Now here we are in  XXXX  and all of a sudden Khol 's is reporting a 150 day late payment as if the card is still open. They just started doing this each month since two months ago.
Product: Debt collection

Transworld Systems has a collections account for XXXX XXXX XXXX. The debt I owe is partially valid. However, they called me today at XXXX Mountain Standard Time. The address on file is my address located in XXXX, CO. My phone number and prior account with ADT was in Eastern Standard Time. They have sent collections notices to my XXXX, CO address -- thus they should know what time zone I am located. Simple SSN skip tracing will also show my moving in XX/XX/2016. 

I called the phone number back and they read the debt statement to me per law. When I advised the agent their company had broken the law calling me the agent did not have a response. She stated they are in eastern standard time. And then continued to collect the debt from me. This call is a violation of the Fair Debt Collection Act.
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding the inaccurate and misleading reporting of my XXXX XXXX account ( Account # XXXX ). The account is listed as charged off with a balance of {$5600.00} and a past-due amount of {$5600.00}. This reporting is inconsistent and violates the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2, which requires accurate and complete reporting by furnishers.

A charge-off indicates that the creditor has written off the debt as uncollectible. Reporting both a charge-off and a past-due balance is contradictory and unfairly impacts my credit profile. This discrepancy creates confusion regarding the status of the debt and is detrimental to my financial reputation.

Thank you for your attention and assistance in resolving this issue.
Product: Credit reporting or other personal consumer reports

I received my credit reports from all three bureaus. I noticed that the company Navient is continuing to report outdated information that should have been off my credit report years ago.
Product: Mortgage

Wells Fargo Home Mortgage systematically aided in the foreclosure of my home ( XX/XX/2016 ). Over the course of my illness ( XX/XX/XXXX-XX/XX/XXXX ), I repeatedly attempted to get either a modification and or payment reduction on my home mortgage. The assistance that I did receive from Wells Fargo was anything but fair and judicial aid and support. Instead of a reduction of any type, my monthly mortgage note was increased. Additionally, I inquired with Wells Fargo to see if I was one of the 625 individuals affected by the so called " glitch '' which lead to so many of our homes being foreclosed on, I was sent correspondence informing me that my home foreclosure was not affected. Over the course of seven years, I suffered XXXX/XXXX  and other debilitating illness. My income as an XXXX was affected, and I aggressively pursued help from Wells Fargo in the form of written request for mortgage modification, and the lowering of my monthly payment. Wells Fargo 's modification approval resulted in the demand for higher provisional payments that would systematically result in my inability to make such high monthly payments. My complaint against Wells Fargo is for their egregious mortgage practices which ultimately lead to the foreclosure of my home. Additionally, to add insult to injury ; to state that my home foreclosure was not affected by their so called " glitch '' which inevitably took homes from hard working individuals like myself. I have been the victim of a mortgage company that clearly steals not only money from Americans, but rob individuals of their hopes and dreams of becoming home owners.
Product: Checking or savings account

Dear FCC, I am writing to file a formal complaint against Square Inc., a payment processing company, regarding the unjustified deactivation of our business account and the withholding of our funds. Our company, XXXX, is a legitimate hemp business that has been unfairly subjected to discriminatory practices by Square Inc. Here are the details of our complaint : 1. **Account Deactivation : ** On XX/XX/XXXX, without any prior warning or specific reason provided, Square Inc. deactivated our business account. This sudden deactivation has severely disrupted our operations, preventing us from processing payments for our products and services. 2. **120-Day Fund Hold Policy : ** Square Inc. has a stated policy of holding funds for 120 days following account deactivation. However, as of today, XX/XX/XXXX, we have not received our funds or any resolution to this matter. 3. **Lack of Communication : ** Despite numerous attempts to contact Square Inc. and request an explanation for the account deactivation, we have been met with silence. Furthermore, Square Inc. has not allowed us to speak with an account specialist or provided a specific reason for the deactivation, leaving us in the dark regarding the circumstances. 4. **Discriminatory Practices : ** We strongly believe that our account deactivation and the withholding of our funds are a result of discriminatory practices. As a hemp company, we feel that we are being unfairly targeted and subjected to financial harm without just cause. We request the FCC to investigate this matter thoroughly and take appropriate actions against Square Inc. for their unjust treatment of our business. We seek the following outcomes : 1. The immediate release of our withheld funds in accordance with Square Inc. 's own policy. 2. A transparent and detailed explanation from Square Inc. regarding the specific reasons for our account deactivation. 3. An investigation into whether our business was discriminated against due to its affiliation with the hemp industry. 4. Appropriate penalties and corrective actions to ensure that Square Inc. adheres to fair and ethical business practices in the future. We appreciate your prompt attention to this matter, as the unjust withholding of our funds has had a significant impact on our ability to operate and serve our customers. We look forward to a resolution that upholds fairness and justice.
Product: Debt collection

XX/XX/XXXX I have been receiving these calls for about 2 yrs., concerning a medical debt that should have been of no charge due to covid testing for the first time should have been free of service. I have explained to send information to the address listed on their account concerning the debt. No information has been supplied since that however the calls remain to come in all times of the night and morning into the working hour of the day and all seven days of the week including the weekends. I have communicated the need to stop the calls and the people tells me they can not hear me on the phone but can clearly respond to say you can not be heard and continue to over talk me on the phone so I can not be heard. I have not received the request info and have also requested the calls to stop all of which has not been accommodated. A total of calls today and it is not the end of it a call at XXXX, XXXX, XXXX, XXXX and I know there is more. Phone calls are log in my phone from dates of XX/XX/XXXX to XX/XX/XXXX. Someone and anybody help please. I have made another call to report that I do not wish to receive these calls in attempt of stopping the harassment. By the way these people are rude.