23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I bought a product that I never received, the seller said he never received the money, my bank verified he actually received the payment. I tried to open a claim with my bank chase and literally they said nothing they can do!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received a notification of several new hard inquiries on my Experian, and XXXX credit reports. The inquiries were listed as follows : Experian reports inquiries from : XXXX XXXX  XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reports one inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX After checking my credit reports with both companies, speaking with their consumer service agents, as well as contacting the companies that performed the inquiries, I found that both agencies had incorrect SSN, Name, address, birthdate and other personal information listed on my report. From speaking with XXXX XXXX and XXXX XXXX I learned that the credit checks were performed for the individual whose name, address and SSN have all been erroneously listed on my report. 

I have disputed all of this information with both agencies. 

I have just received official notice from Experian in the mail today showing the revisions they made due to my dispute, yet the incorrect name is still listed, as are the inquiries. As of now, XXXX has also investigated my dispute and upheld the inquiry as factual, and will not remove it. 

This issue with Experian has been going on for over five years, as sometime around XXXX I had an extended dispute with them to remove outstanding debt records that belonged to this other person who Experian keeps reporting on my record. At the time I believed it all to be settled, and hadn't checked back in as there hadn't been any new issues until this month.
Product: Mortgage

Mr Cooper/ Nationstar Mortgage Repeated attempts to submit required flood insurance have been ignored Company claims to have purchased floor coverage for {$7100.00} per year for {$250000.00} of coverage even though we have repeatedly submitted proof of insurance It is very, very difficult to get through to any human representative to discuss the matter ( hold times over half an hour. ). In one instance, rep told us account was marked as having received info, but insurance was purchased in any case. 

As an aside, the property is a condo on the XXXX floor of a tower, making a flood exceedingly unlikely. 

Thank you for your help.
Product: Credit reporting or other personal consumer reports

Please actually read this message and understand something. I have made complaints and disputes and gotten nowhere. XXXX sided with the debt collection company. I had a debt for {$920.00} for rental arrears. I applied for New York State erap program. I was approved in the end of XXXX this year. The original debt was from XXXX The apartment complex where I was living was bought out by a different company. I called the apartment complex and they said the debt is not owed to them but to the previous company. I have called and called the prior property management company. I have left messages. Emails for months. They dont respond. There is absolutely no way for me to get in touch with them to have the debt eradicated. Yet this debt collector keeps bringing up old papers saying the debt is still valid. The stuff they are showing me is dated. They bought the debt from another debt collector who refuses to give me any information at all. Furthermore through this New York State erap program this debt is illegal. The landlord has 6 months to respond and if they dont then legally they must waive the debt. I will attach evidence.
Product: Mortgage

On XXXX XXXX, 2020, I requested a copy of the loan modification contract. Servicer 's are to comply with any servicing request, however Select portfolio Servicing has yet to comply. The request is quite simple, need copies to the loan modification contract i signed with previous lender. When a loan is sold or transfer to another servicing company, all contracts remain the same therefore Select Portfolio Servicing does have this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted numerous complaints to XXXX to no avail to advise I have been a victim of identity theft and the following accounts do not belong to me. they refuse to investigate further.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting two accounts that do not belong to me on my consumer report. I, XXXX XXXX XXXX do not have a loan with them in my name. They have failed to provide any information to me regarding these accounts.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX : Account Number : XXXX BALANCE {$1500.00} Unauthorized inquiries XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I received my credit report from XXXX and disputed a collections account from XXXX XXXX XXXX on XX/XX/XXXX. The reason for dispute is that I have no knowledge of this account and I am not responsible for it. The debt on my report is identified as a collection for {$230.00} past due as of XX/XX/XXXX for " XXXX XXXX ''. I got the results of the dispute and it was deleted from my report. I then checked my XXXX report and disputed the same collection account on XX/XX/XXXX. The dispute results came back XX/XX/XXXX and XXXX said they investigated and did not change anything, and rejected the dispute saying the existing information was verified. This company has never contacted me before regarding this debt, EVER. After digging through my files I found a letter from a company called receivables performance management LLC from XX/XX/XXXX for {$230.00} that identifies an Account with XXXX but has a different account number. My report states that this account was opened in XXXX on the XXXX of this year. This is completely inaccurate and I don't know how to get it removed from XXXX. I do not see is on My XXXX and it was deleted from XXXX, but it popped up again showing as a new collection account from the XXXX.
Product: Checking or savings account

So XXXX  XXXX 5 fraudulent charges were taken out of my account while I was at work I had left my phone home I return to find that I have r trans actions forr XXXX and one for XXXX I contacted chime while they were pending they said I had to wait till they post I said that was a bad idea they insisted I waited they posted and now they won't reimburse my money someone had my phone and made these charges to my account I've been robbed by somebody close to me and now my bank says I'm denied FDIC and zero liability I don't understand why
Product: Checking or savings account

I have been a customer of XXXX for a number of years. During that period Ally has consistently added cookies from outside organizations, trackers, and cross-trackers. I have refused to allow the use of these cookies and trackers to access my personal banking activities and they have consistently refused to bring this situation under control. 

Over this weekend Ally refused me access to my Bill Pay function and continues to do so putting me in the position of either allowing access to their cookies and trackers, or not being able to pay my legitimate bills from my available funds. 

Attached is both a copy of Ally 's statement of refusal of access, and a copy of search results from The XXXX 's XXXX search that indicates the number of cookies, trackers and other forms of intrusive spyware on Ally 's web site that are far in excess of the average number of such found on other websites.
Product: Credit card or prepaid card

check my credit and saw where i had 3XXXX XXXX XXXX cards on my credit report the cards were open XXXX XXXX 2007 XXXX another open same day for XXXX and the XXXX open the XXXX open same day for XXXX i had the XXXX card for XXXX nothing done by me did not know about the other XXXX these were wellsfargo cash on demand cards one card had a XXXX XXXX XXXX one had a address i had not been at for 10 years the 3rd one was mine at my home address
Product: Student loan

I co signed a student loan for my nephew. It 's a small loan and he now has a job and has been making payments. Even though payments have been made, I am called on my work cell phone repeatedly. And when I say repeatedly, it can be up to five times in one day. I 've also received letters threatening legal action. This is despite the fact that my nephew, although is late on occasion, has been fairly consistent in making payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am formally writing this letter of complaint to you in regard to Experian Credit Bureau. 

Experian has violated FCRA rules and consistently failed to delete several inaccurate, unverifiable, adverse and erroneous accounts that they posted on my credit report. These inaccurate accounts are as follows : XXXX ( account # XXXX  ) in the amount of {$570.00} and XXXX  ( account # XXXX  ) in the amount of {$570.00} Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. I also will enclose the lettered copies of my communication to XXXX. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) and & Section 611 ( a ) ( 1 ) ( A ), Experian is required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts they post on a consumer credit report. Ill enclose the copies of several letters ( with certified mailed receipts ) that I sent to Experian in request to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) for the adverse the accounts they continue to post on my credit report. I have suffered extensive grief and emotional distress due to Experians failure to accurately verify these accounts, resulting in my inability to obtain credit. I have also advised Experian that according to Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified. 

In the absence of such documentation ( an original Consumer Contract ) bearing my signature, I formally request Experian immediately delete the aforementioned derogatory accounts from my credit report associated under my Social Security number. I will litigate if this request is not honored.

Note : This CFPB complaint is solely directed to Experian Credit Bureau.

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, I received a response from LexisNexis about the reporting of information about a bankruptcy reporting on my LexisNexis report. I have included this response in this complaint. I would like to make a few bullet points to dispute their response as I believe this reporting is an example of defamation of my character, and is negligent enablement of identity fraud. 

1. The address reporting on XXXX  for this bankruptcy is XXXX XXXX XXXX XXXX XXXX, ND XXXX. This is an incomplete address and I have never lived there. 
2. XXXX  doesn't report my full SSN on any court docs related to this bankruptcy. 
3. I have a XXXX  account and have PHYSICALLY VERIFIED the address reported as mine is incomplete and inaccurate, and my SSN is NOT fully reported on any of the court documents in this case. 
4. XXXX XXXX XXXX XXXX XXXX. is a SEPERATE COMPANY with a SEPERATE ADDRESS and PHYSICAL LOCATION then LexisNexis and it has not verified to me how it obtained this erroneous reported account, and it is NOT the original creditor, which by law, any agency must obtain any information about a consumer from an ORIGINAL CREDITOR. 
5. " Documents are not required in Mr. XXXX 's matter. '' Just another example of a LexisNexis form letter being sent out with mistakes being overlooked without any PHYSICAL VERIFICATION being done! 
6. Although bankruptcies are indeed a matter of public record, it is the duty of the CRA by FCRA law that the CRA must PHYSICALLY VERIFY the accounts being reported are 100 PERCENT ACCURATE and all information is CORRECT before placing them on a consumers credit report. If this isn't done, one could sell bogus, erroneous information to the CRA without it being VERIFIED as FACT. 
7. I have received no description of PHYSICAL VERIFICATION used to determine the ACCURACY and CORRECTNESS of information being reported to my LexisNexis account file, including business name, address of said business, and telephone number and contact persons name that furnished this information to LexisNexis.
Product: Credit card or prepaid card

Wells Fargo credit card {$3500.00} XX/XX/2021 I file a police report and reported fraud with the company. Wells Fargo fraud department has done nothing
Product: Debt collection

Repeated calls to collect debt for person not associated with our phone number. When I call back they are abusive quickly stated have debtor update records and hang up. Have called at least two three times daily for past three weeks.
Product: Vehicle loan or lease

TitleMax gave me a loan on my vehicle and put the monies on the debit card debit card was stolen and I notified them and they never sent me the statements or even emailed them to me and then all of a sudden the company showed that has the monies shut down so now I can not do anything on top of that. They repossess my vehicle. I paid them owed and then they put the car under your name so I have not been able to register the car when my plates were expired because the car is not under their name. It does not have a lien. It is under their name so it basically says that they own the car free and clear I dont own it, no lien put in their name, and I have the car in my possession
Product: Credit reporting, credit repair services, or other personal consumer reports

I am completely appalled and disgusted that you guys cant seem to get right. i sent letters over 45 days ago ( XX/XX/2021 ) regarding the fact the you guys are reporting inaccurate information on my consumer report. it is up to you guys to uphold the law that was set to make sure my rights were protected as a consumer and you cant even respond to my LETTERS stating that you have received them or even update my credit report showing that a dispute has been open and its been 45 DAYS!!! what kind of company cant follow the rules stating a company must reply with their investigation results in 30 days. And according to the FCRA section 609 ( a ) ( 1 ) ( A ) you are required by federal law to verify, through the physical verification of the original signed consumer contract of any and all accounts you post on my credit report. you have not sent me any information not even a letter stating that you have verified through the physical verification of any original signed contract. You are in violation of the laws and I want you guys to immediately remove all inaccurate derogatory accounts there were listed in my letters since you guys cant follows the laws properly.
Product: Credit card

My account ( ending in XXXX ) continues to be inaccurately reported to all three credit reporting agencies as being 30 days late the month of XXXX this year and High Balance of {$1400.00}. by Citibank NA XXXX XXXX XXXX XXXX 
Please note that my account was fraudulently billed {$100.00} on XX/XX/year> which following a dispute and investigation by XXXX XXXX XXXX was finally credited on XX/XX/year> in full. The fraudulent charge of {$100.00} on XX/XX/year> was the only charge in that particular billing cycle and there was no existing balance prior. 
I've attempted unsuccessfully on several occasions contacting XXXXXXXX XXXX XXXX regarding this inaccurate negative reporting and I've also been unsuccessful in having XXXXXXXX XXXX XXXX refund my account the late fees and interest related to the XX/XX/year> fraudulent charge. 
This irresponsible credit reporting of my account by XXXXXXXX XXXX XXXXXXXX has and continues to cause a tremendous negative affect on me financially and harmful to me personally. 
The inaccurate negative reporting has solely caused my crest score to drop XXXX points or more, decreased my credit availability by over {$35000.00} overall due to the limits being lessened by several lending institutes that I regularly due to business with all because of XXXXXXXX XXXX XXXX irresponsible behavior. 
Citibank NA XXXX XXXXXXXX XXXX XXXX has and continues to violate the Fair Credit Report Act on account of : Reporting inaccurate information to all three credit reporting agencies Reported negative information during the dispute and investigation phase with all three credit reporting agencies Refuses to credit my account the fees and interest directly related to a fraudulent charge Thank you in advance for your assistance.
Product: Credit card

My credit cards were stolen out of my wallet on XXXX XXXX, 2016. I called all of the credit card companies the same day to report the theft. And I called the policy and filed a report. Unfortunately, my cards had already been used to make fraudulent purchases by the time I reported them stolen and I made that clear to the credit card companies as well. All of the other credit card companies have removed the fraudulent balances and any additional charges because of the fraudulent charges except for Macy 's. Macy 's removed the fraudulent charge, but not the interest and penalties accrued as a result of the fraudulent charge and they continue to charge interest and penalties on the account. I have called Macy 's fraud department numerous times as well as sent them a copy of the policy report and yet they continue to call me every day to try to collect the debt as well as continue to add late fees and interest charges to the late fees and interest charges that were not removed from the account.
Product: Credit reporting or other personal consumer reports

I am writing to request an investigation into potential fraudulent activity on my credit report. After reviewing my credit report, I noticed inquiries that I do not recognize and believe to be fraudulent. 

See below : XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX
Product: Mortgage

The monthly statements arrive during the first week of the month payment is due. Payments are due on the XXXX of every month. There have even been months when I have not received a monthly statement. 

I have yet to receive the XXXX XXXX  monthly statement. Today is XXXX XXXX. ( However, I have already paid XXXX 's statement on a piece of correspondence from NewRez. ) Months ago, I mailed an enclosed note with a monthly payment. I noted and stressed that not sending monthly statements before the due date, only encourages late payments. They responded in writing, and blamed the U.S. Postal Service. 

Today, I received a letter stating information on my payments is missing, or I'm using the wrong address, etc. I have always used copies of correspondence, with all necessary information on it. This letter may have gone out to all customers, as it stressed that there are other ways to make payments. Further, if the monthly statements arrived prior to due date, my payments would have the payment slip to mail with the payment. NewRez wants customers to default and/or make a late payment. 

I would never let a predatory debt collector direct access to my banking information. 

Since XX/XX/XXXXXXXX  ( mortgage began ), I have never missed nor been late with a payment. In the spring of XXXX, I received a letter that my loan will now be handled/processed by NewRez. All the same company, nothing would change, etc. Since then, this predatory debt collector, increased monthly payments for " projected tax and insurance hikes. Merely a way to increase their coffers. 

This company has had numerous class actions suits. Which they end up, settling, leaving town, reopening in another state, under another name, NewRez and/or Specialized Loan Servicing, or Shellpoint is all the same predatory company. 

Check XXXX XXXX XXXX for the hundreds, maybe thousands of customers complaints who have been abused by this company. 

I may very well be forced to refinance my mortgage with a true financial institution that handles mortgages. It would be worth a higher interest rate, to be free of a predatory debt collector.
Product: Bank account or service

I signed up for a Citibank gold checking promotion that offered XXXX miles XXXX miles after meeting specific spend and bill pay requirements. After completing the requirements, I called citigold service once and talked through online chat to Citi twice to confirm that I had successfully completed the Citigold checking promotion. And the citi representatives had confirmed that I 've got the offer and need to file further investigation in order to reply the details, but I never got the reply since the representatives said they had replied me, and they filed a investigation again. My account has fully completed the requirements for the XXXX XXXX miles from the promotion I signed up for the citigold checking account. With the XXXX bill pays and {$1000.00} debit transactions completed. The airline miles would be deposited into my account after 90 days from the date of completing the program 's requirements. More than 90 days past without having the promotional miles deposited into my account.
Product: Checking or savings account

On XX/XX/2023 I received a text from Wells Fargo asking me to verify a transaction. So when I went to log in my account, there were a lot of transactions that werent authorized. I filed a claim that same night and they said that they will be on it. I called this morning of XX/XX/2023 and now they arent giving me a clear indication of when I could expect any of my funds and the resolution besides the standard blank statements they tell everyone. It is now the 8th business day and I only received {$85.00} of the money that is owed to me since the claim has been opened. Their 10th business day policy and it looks like they trying their hardest for me not to have my money. Fast forward, it is now XX/XX/XXXX and they have closed the cased saying i reported the transactions out of the 60 day window when I have evidence that is was within the time period. On the contrary, they credited me the {$58.00} that was supposedly from last year that they said they werent going to credit. Now they are saying they are not giving me nothing that was within the 60 days. Thats backwards and I want them to know how terrible their bank is. I still want my money Im owed. If it isnt resolved by the end of this week, my next step is legal action.
Product: Debt collection

I have contacted Sofi asking them to send me information before they release my money to dispute the debt with the State of New Jersey and they never sent anything. New Jersey does not have jurisdiction over my income or money and they can't provide me any written documentation on how they have jurisdiction over my money in Nevada. 

My ex wife and kids live in Georgia. No one lives in New Jersey and I have documentation from page 10 of their handbook that states at least one person needs to live in that state and no one resides there.