23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote a letter to all 3 credit bureaus ( XXXX, TransUnion, and XXXX ) on XXXX about a Judgement ( Bankruptcy ) that is currently on my report. In a previous letter from them all they revealed that they verified my bankruptcy using XXXX. In the recent letter I sent to them, I attached a letter from XXXX stating that they have completley removed the Bankruptcy from my report, and even went further attaching the section of my XXXX report where they could see that it has been removed. In this letter I requested that they remove this from my report as well, being that the company they verified my infomation through removed it. I recently recieved a letter back from them stating that this account will remain on my report due to the information being verified as accurate. They did not give details of how they recently verified this accuracy of my infomation. Unless they can provide another souce of verification, I can only assume they used XXXX in which this account no longer exist. I would like to make a complaint against TransUnion, XXXX, and XXXX and proceed in the removal of this account on my credit report.
Product: Checking or savings account

I have been struggling to close my account with goldmansachs XXXX account. I have been lied to transfered to departments that state they have not received documents and informed to resend documents even though the document department confirms receiving them. I have multiple tracking numbers confirming they have documents and they are properly filled out. I have been told I will get call backs and have a tracking number sent to me. I'm XXXX and my wife died last year I my home. This is not helping me to heal. I have been lied to and told that they can not send a XXXX and I can print XXXX from online. I did so and was told it was the wrong document. Upon calling back another representative said they can send me a XXXX as they have sent me a XXXX when I first called them. This has been a disgusting back and forth of deception and refusal to close the account. Reps have been rude with no empathy and placing me on hold just to be told something that does not help to close the account. I have spoke to managers or people claiming to be. This is an online only account and the fact that they refuse to properly close the account is aggravating. It has been almost a year since my wife 's passing and still no resolution. This company does not deserve to have an online only banking if this is how the treat customers. I was also told they would expedite send me a check. When I call back they change verification methods to further frustrate me. I have never been treated so horrible in my life. I believe this is mentally and emotionally unacceptable. I'm am still waiting for a resolution and a call from goldmansachs even after calling constantly or giving them a week between interactions.
Product: Mortgage

Truist bank is refusing to close my escrow account. 

I have a home mortgage with Truist bank. My loan number is XXXX. I made a down payment of 60 % on my new home which is lot more than the 20 % needed to remove escrow account. My loan balance currently is XXXX Further I have a credit score of XXXX and never missed any payments ever in my life. 

But still when I called truist, they are refusing to close my escrow and refund the XXXX in it. 
I told them I will make the propert taxes / home insurance on my own and have sufficient funds, but still they are refusing to close my escrow as they want to make money out of it. 

Truist is paying 0 % interest on the escrow account
Product: Credit reporting, credit repair services, or other personal consumer reports

I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of unauthorized inquiries which do not belong to me or were opened without my permission. 

XXXX INQUIRIES : 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  EXPERIAN COLLECTION : XXXX XXXX-REPORTED Balance {$240.00} XXXX XXXX-REPORTED Balance {$110.00} INQUIRIES : 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 XX/XX/XXXX XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I was not aware I had outstanding medical bills since My daughter had state insurance at the time. Since the accident, XXXX months passed and I never received a medical bill, or collection debt. I found out thru my credit report since it change dramatically due to collection that I was never aware of. They ruined my credit without my knowledge or notification of a debt. How can they ruin people 's credit without the opportunity for payment arrengments?
Product: Mortgage

The current loan with Freedom Mortgage corporation was acquired from another mortgage company a couple of months ago. My mortgage payment is due by the first of each month, grace period until XXXX. I use the Autopay of my bank on XXXX of each month. I checked with my bank and was told that my bank usually mail out checks a few days ahead. Freedom Mortgage deposited the checks on XX/XX/XXXX and XX/XX/XXXX. I received the late payment charge for XXXX and again on XXXX. I called Freedom Mortgage several occasions for the problem. They always blamed the USPS not very reliable, which may not be true. Finally one person from Freedom Mortgage admitted that their system was down so that they could not process payments on time. They reluctantly waived my late charges and warned me that they would not waive any more. The mortgage company put unnecessary burdens and blame on a borrower for a problem of their own.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX account ( Account Number : XXXX ) - I am disputing all information being reported to credit reporting agencies regarding the New American Funding account ( Account Number : XXXX ). The report lists a balance of {$160000.00}, balance updated on XX/XX/XXXX, original balance of {$160000.00}, paid off 4 %, {$1200.00} monthly payment, account was opened on XX/XX/XXXX, with the last payment date of XX/XX/XXXX, status updated XX/XX/XXXX, account type XXXX XXXX, status open, and responsibility individual. The payment history shows XXXX late payments which are incorrect. Under the Fair Credit Reporting Act ( FCRA ), only accurate and verifiable information should be reported. Please investigate this account and remove the incorrect details, including the late payments. If the information can not be verified, it must be deleted per FCRA Section 611. Please investigate and review all and any recent statements and payment records, including the most recent credit report. Thank you for your prompt attention.
Product: Credit card

I have been disputing a charge of {$510.00} to my Capital One credit card account for purchase on XX/XX/year> and also filed complaint with FTC report # XXXX in regards to seller of which i am disputing charge - also attached. The charge is an error because the items received were not what was advertised and ordered. The items received were not brand name as advertised, I was charged for brand name XXXX products and received XXXX XXXX replicas ( they even admit to sending me replicas in the email conversation I had with them, which I provided a copy of to Capital One. The scam company ( XXXX XXXX XXXX XXXX has been using another company 's name and address in their advertisements, but they spell their name XXXX, not XXXX XXXX XXXX XXXX I have provided Capital One with all information possible, invoice, statement from seller stating they sell brand names, page showing false US Address. I have contacted the seller for return label so I can ship items back overseas but they keep trying to bargain for me to keep product and refund 50 % or i pay the very expensive cost to ship them to XXXX. Please note that their page says they're based in XXXX. Nevertheless Capital One regardless of all proof and evidence keeps closing my case and giving me the run around asking for more and more things each time. last request was for a second opinion that items are not brand XXXX from an authorized seller. I reached out to XXXX Counterfeit department and they advised they would not do such an inspection w/o a police report which I can not get because this seller is not even a legit XXXX company XXXX it is absurd that Capital One is allowing this fraudulent seller to get away with this and putting me through all of this being a platinum member - i've had this credit card in good standing for 25 years Capital One XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX. 
XXXX. 
XXXX XXXX : XXXX
Product: Mortgage

In XX/XX/XXXX, I changed homeowner 's insurance companies. I paid for the policy upfront in full on the date of issue, XXXX XXXX, for {$820.00}. I then contacted Wells Fargo to notify them that I changed companies and paid the insurance. In XXXX, I contacted them again concerning my insurance because it did not appear that they updated my records. They increased my escrow, based on the insurance payments that they alleged they paid, and increased my mortgage payments almost {$200.00}, based on an alleged shortage that did not exist. They then failed to apply my mortgage payments that my bank sent automatically each month, claiming they were only partial payments, putting my mortgage payments that were being sent like clockwork directly from my bank each month to be behind three months. They then threatened foreclosure action. I called the insurance company that verified that I, and not WF as WF claimed, paid my insurance. My loan is nearly paid off and suddenly, Wells Fargo has ruined my credit, based on an escrow shortage that does n't exist. In fact, on XX/XX/XXXX when I finally spoke to a supervisor, after being on the phone for over two hours with Wells Fargo, she admitted I had an escrow overage, not a shortage. If so, why did my mortgage payments increase based on an alleged escrow shortage? City taxes increased, but she said my escrow still had an overage after taxes were paid. WF created a shortage that did n't exist to extract additional money from me and to drive my home into foreclosure in order to extract additional fees and expenses.
Product: Credit reporting or other personal consumer reports

I applied for a loan to buy ticket some time ago. I had 2 loans with this company and then it came to a time that I had to leave and visit my family back home in another country. Before leaving i made sure everything was paid. Unfortunately, I didn't know that the balance of XXXX XXXX left on this account was not paid before leaving. Whiles away, I never got an email or text message about any balance reminder or such. I got back only to find out that I owe XXXX XXXX on my credit file and so I went ahead and paid the balance. I have tried several times to contact XXXX to make the necessary correction on my credit file since I have made that payment but failed in contacting them. The number on their website is ( XXXX ) but it just a voice prompt and never transfer you to an actual agent to talk to. I also went ahead to file a dispute with Equifax but up till now no change or any information has gotten back to me.
Product: Credit card or prepaid card

I got a XXXX XXXX XXXX card to use at the XXXX XXXX XXXX XXXX in XXXX XXXX, however they closed without any notice to members are even to workers. I use to pay in the store and had great use for the card at that store, however I ended up losing my job on last year and unable to make payment. I tried making payments online and my account has been sent to a collection agency by XXXX 's XXXX named XXXX XXXX. XXXX XXXX XXXX never notified me of this information. I received a letter today from XXXX XXXX. I think that it is unfair to me that I never had the opportunity to work any type of payment plan and was not notified by XXXX XXXX XXXX. I only got the card because of one location that I used in XXXX however it is closed. XXXX XXXX XXXX did not hold its end to my credit card agreement with notification of services and limited services in my city.
Product: Checking or savings account

USAA XXXX XXXX XXXX- I submitted claims with the USAA Fraud Dispute Department between XX/XX/XXXX - XX/XX/XXXX regarding a XXXX XXXX XXXX XXXX to my XXXX XXXX account. I provided all of the supporting documentation to ensure that USAA Bank would process the fraudulent amounts off of my account. However, they did not process the claims, nor did they attempt to process the claim as I was in contact with XXXX XXXX XXXX  and they provided in writing that the mistake was made and my card should have not been charged, but they had not refunded the money and due to my telling them that I would be submitting a dispute/fraud claim with my bank. USAA simply denied the dispute/fraud claim without due process or review. Multiple attempts to contact USAA went unanswered with no recourse. They have place my account in a negative status despite the attempts to contact and provide the supporting documents.
Product: Credit reporting or other personal consumer reports

Equifax, XXXX and XXXX are reporting FALSE INFORMATION on credit reports in which they are adding XXXX to my personal credit report allowing all 4 corporations to commit FRAUD reporting FALSE information. REMOVE XXXX from ALL REPORTS PERMANENTLY, YOU ARE IN VIOLATION OF MY CONSUMER AND CIVIL RIGHTS
Product: Credit reporting or other personal consumer reports

I do not consent to electronic communications. I request all responses be in writing through the USPS. Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below : LOANDEPOT.COM LLC XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am seeking a debt collection letter. I do not owe the XXXX XXXX XXXX any money for service.
Product: Debt collection

On or around XXXX XXXX, 2015 I cancelled my cable/internet/telephone service with XXXX. I returned my equipment later in the week and received my final bill dated XXXX XXXX, 2015. According to the bill my final balance of {$40.00} was due on XXXX XXXX, 2015. On XXXX, XXXX 2015 at XXXX XXXX, while at my place of business, I received a phonecall from a third party collections service saying that XXXX had sent my bill to collections and that this was an attempt to collect a debt. When asked why a debt that had been billed a mere 17 days before had been sent to collections the employee explained that XXXX preemptively XXXX and routinely ) sends all final bills directly to collections. When asked if he thought that was legal the employee agreed that he guessed it was not and that this is XXXX 's regular practice. I gave my contact information to the employee and informed him that I would deal with XXXX directly. 

After speaking with the third party collections agency I received a second bill dated XXXX XXXX, 2015 that classified the {$40.00} as an " unpaid balance '' that was " due now ''. That bill was received on Friday, XXXX XXXX, 2015. 

Also, when I signed into my account to pay my bill, I noticed that the online bill noted a due date of XXXX XXXX, 2015. 

After leaving work I also ran a google search which revealed that many others have experienced similar issues with their final bill being immediately sent to collections and that the " uncollected debt '' appeared on their credit report. 

The bill has now been paid to ensure that I remain in good standing and I am filing this complaint to ensure that XXXX ceases preemptively sending consumers final bills to third party collection agencies.
Product: Mortgage

I XXXX XXXX am the legal heir and only child of XXXX XXXX XXXX, during the care of my mom, I discovered that my mom was being victimized by her mortgage companies. The house that she and my step father originally purchased was compromised by an existing second mortgage or personal loan. The amount that they stated she owed on the mortgage was XXXX that Wells Fargo assess to the house at the time. I contacted several companies for my mother trying to get that corrected for during the time of conservatorship. I hired several attorneys to deal with matter, none seem to be able to help us efficiently. 
My mother paid and struggled all of her life for her to have a home that is now in foreclosure and about to be sold, and the way that Wells Fargo went about it is less than humane. The courts that is involved in the matter created a domino effect and confusing avenue of failure in order for me to fail and mislead me to believe that everything that I was doing to help my family would be okay. They force us out of my mother 's house, took all our possession and gave me no monies that was due to me. I have been paying the taxes on the property. I followed proper protocol with the courts and the adversaries never once appeared in court and never met with me and my attorney. The agencies that I contacted provided no assistance in the matter. Wells Fargo did not provide my mother with the proper insurance in case something did happen to my mother that her house would be covered under the insurance knowing my mother 's illness. My attorney issued me the deed to the house so how has the house been foreclosed on. You may call me at XXXX. 
i
Product: Checking or savings account

I had an 2 unauthorized charge thru chime and I had file a dispute for it 4 time and all being denied and I requested the documents on why being denied believing the dont even bother to investigate it sand they never send me the documents. And when I ask to speak to supervisor of the dispute team they kept on hanging up on me.
Product: Checking or savings account

This account was advertised to receive a {$500.00} bonus if direct deposits were made into the account. I have called 4 times regarding this issue, every time the bank has aknowledged that I met the terms of the promotion. Twice they opened a " investigation '' and each time they keep telling me to wait for the bonus to post to my account. Its been 5 months and nothing has happened, and they keep closing the case. Bonus was supposed to post within 60 days according to the terms of the agreement.
Product: Credit reporting or other personal consumer reports

I pulled a recent copy of my consumer reports and realized inaccurate information was furnished. This information is causing a negative impact and should be removed immediately according to the Fair Credit Reporting Act ( " FCRA '' ). The following accounts should be removed and blocked from my reports : 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 XXXXXX/XX/XXXX According to The Supremacy Clause, federal laws precede state laws and corporate policies. Your agency is legally obligated to comply with federal credit reporting and consumer privacy regulations, rendering any conflicting state law or internal policy secondary and non-applicable. Your company has violated the following federal laws : 1. 15 USC 1681 ( a ) ( 4 ) - as a consumer, I have the right to privacy, the information furnished by your company infringes upon that right.

2. 5 U.S.C 552a ( b ) - your agency is not permitted to disclose my personal information without my written consent or authorization, you did not receive that consent or authorization.

3. 15 U.S.C 1681b ( a ) ( 2 ) - permissible purpose is required for furnishing a report, I did not provide your agency any permissible purpose.

In light of the clear violations of the law, your agency is required to take the following action : 1. Remove the inaccurate information from my consumer report.

2. Provide documents proving an investigation was conducted.

3. Provide a confirmation letter stating the information has been removed.

4. Rectify my credit report to ensure it no longer includes inaccurate information.

Failure to adhere to these legal requirements will compel me to seek legal recourse to enforce my rights under the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

The identity theft inquiries still on my credit report. Equifax has 2 XXXX XXXX XXXX XXXX. XXXX. XXXX XXXX take off XXXX XXXX. Equifax told me it would take 90 days or less its passed that. Still on my report. XXXX for no reason removed good standing auto loan. It is less than 7 years. No reason it went off. Why? Its not identity theft or fraud. Put it back.Take off inquiry from XXXX XXXX I never made this inquiry ether. I called XXXX   about this auto loan taking off.

Bank told me its XXXX XXXX.

We report to all credit reports.

If it goes off its tXXXX XXXX fault!
Product: Mortgage

Name on Mortgage : XXXX XXXX ( XXXX XXXX XXXX ) Name on deed : XXXX XXXX  XXXX Mortgage Holder : PHH Mortgage, XXXX XXXX XXXX, XXXX XXXX, NJ XXXX Loan Number : XXXX First Payment Date : XX/XX/XXXX Last Payment Date : XX/XX/XXXX Unpaid Late Charges : {$0.00} On XX/XX/XXXX I received a monthly mortgage statement demanding payment by XX/XX/XXXX for my monthly mortgage amount. This statement was the first statement that I have received in 7 years. I have paid my mortgage electronically from the same bank since the inception of the loan in XX/XX/XXXX. Ergo, there have been no late payments during the life of the loan. When I called the number on the statement I spoke to XXXX, XXXX  Agent in the XXXX. He kept on saying many times that he had no record of any of my payments and that I would have to go to my bank and make arrangements to set up automatic payments if that is what I wanted to do. He could not offer any other solution to the discrepancy. I have computer documentation from my bank and PHH mortgage showing that I have fully complied with the payment provision of my loan through the XX/XX/XXXX. This morning I have a print out of my latest bank statement showing my XX/XX/XXXX payment cleared and was collected by PHH Mortgage. When I checked my account with PHH, when I log in it says : You do not have any account associated with your profile. This incident is the most current of a whole litany of unpleasant experiences with PHH Mortgage over the past 7 years. 
I am in the process of refinancing my loan with XXXX XXXX and I view the latest actions by PHH mortgage as nothing but harassment to help them retain a good paying customer. I am concerned the PHH Mortgage will jeopardize my refinance application and may also start charging me late fees and ruin my sterling credit rating. Anything that you could do to mitigate the impending situation would be greatly appreciated. 
XXXX XXXX
Product: Debt collection

I took out a loan for {$3100.00} in XXXX XX/XX//2017. 

I have been taken to court for {$280.00} late fee. 

Threaten to take to court for {$70.00} partial payment. 

Lendmark Financial Services is threatening court and taking folks money not even 30 days late. This company uses employees to go to court as attorney, an abuse of the law. 

This company needs a audit of their practice and tactics to strong arm. 

I have had my account t number changed two times and concerned that this company just wants to take folks to court. 

My debt is monthly {$140.00} and this debt should have been marked paid in full The interest rates over usury laws in Va and so forth. The number of complaints and threats of court and the account is not over 30 days late is abusive practices in lending to consumers. 

Finance charges are high and this company is a threat to consumers. Please send in testers. Lendmark Office that is abusive XXXX XXXX XXXX XXXX, XXXX, VA XXXX.