23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

My fathers neighbor house burned dow n ( thei r fault ) on fathers day   XXXX  . The fire destroyed my dads sunroom and burned down the fence and power poles between the  XXXX  houses. Shortly after, my dads  XXXX   XXXX   XXXX  d and he   XXXX   XXXX   in   XXXX   XXXX    . I finally got around to getting a contractor to estimate rebuilding the fence and all the yard damage at the end of  XXXX . I am the trustee of his trust, and the executor of his will. When I finally received the fire insurance check, the bank said they could not deposit it because it was made out to my  XXXX  and Rabobank since they hold a  XXXX  dollar note on it. I took the check to b ank, they said it had to be written to " The estate of ( my dad ). So I  returned the check to  XXXX  insurance and told them the issue. They reissued and check to " The estate of my dad '', and I took this check to the bank and they still would not deposit the check. They said I was only the trustee of his trust and not the executor of a will, or estate. They said I would have to have go through the courts to establish whether I was the executor. I found the paperwork that states I am the executor and took this to the bank and they still would not deposit the check. The branch manager told me that that I needed to have the insurance company reissue the check again, to " The trust of my dad ''. I had already spoken to the insurance co. and they can not change the entity to which they write the check, it must be the name on the policy at time of loss. I just had another conversation with the manager of branch, she says she would like to contact the insurance co and see if they can change the name, I told her I aready spoke to them, but be my guest, I also told her that I was currently sending a complaint to you. The check is for a meesly  XXXX  dollars, I am baffled and so distraught over not only the  XXXX  of my dad, but the issue of this check. This has been going on since  XXXX  now. Please help.
Product: Debt collection

they keep calling and identify themselves as genisis credit and their a debt collector, but they never say what its regarding and who the creditor is, i never received a written noticed from them in the mail. please investigate them and end this abuse
Product: Credit reporting or other personal consumer reports

Dear Equifax After reviewing my credit report I must inform you that I am NOT responsible for these fraudulent accounts and inquiries. Someone stole my identity and generated fraudulent accounts and inquiries in my name. These accounts and inquiries are fraudulent, damaging my credit score, and should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the unauthorized accounts and inquiries listed IMMEDIATELY! 

I request your company to provide verifiable documentary proof ( original consumer contract or similar proof bearing my wet ink signature on it ) that you have on file of accounts/inquiries/information listed below. Under the FCRA, if you do not provide documented and verifiable proof, you must remove all unverified, invalid, derogatory accounts/inquiries/information from my consumer report. 

The consumer report that was prepared under my social security number by Equifax is reporting inaccurate information which is a violation under The Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

XX/XX/year> I was in a XXXX XXXXXXXX situation and was threatened with my life and the life of my children to open a car loan, my abuser took advantage of my mental health and the mental health of my children and forced me to use my XXXX XXXX XXXXXXXX payments to put a down payment on the truck, i was scared and unaware of what i was doing as i went into the dealership ( XXXX XXXX XXXX in XXXX Ohio ) by myself and my abuser in the car holding my children XXXX, i had been secretly working on my credit to flee from my abuser and didnt want to finance a loan to begin with. The car salesman also spoke to my abuser and allowed him to make decisions on what truck he wanted and i went inside unaware of what i was doing out of fear and signed paperwork to finance with GM financial, they gave me extremely high payments XXXX per month which is more than XXXX percent of my son 's XXXX and the only incoming in the home because i am unable to work due to the XXXX XXXXXXXX inside the home. on XX/XX/year> I called back up to the dealership and let them know what was done and that i didnt really want the car, but the dealership was no help. I was told by the manager of the dealership to contact GM financial because it was their responsibility now and to explain the them what was going on, GM financial, transferred me to different people who were no help and said they could not get me out of the contract that was signed, i sent paperwork to prove that i was in a XXXX XXXX situation and was forced to sign into a contract with them. They never let me out of the contract, they dont care that they are making my situation worse and more unsafe. I've had a few late payments reported to the credit that has affected my score tremendously, i've disputed and asked for forgiveness on the late payments with no help or success. GM financial is now reporting false late payments and because of that my score has dropped over XXXX points, leaving me and my children stuck and in danger and unable to flee.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Trans Union, XXXX and XXXX are consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX the financial institution and the Consumer reporting agencies Trans Union, XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Trans Union, XXXX, XXXX or XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX  never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission, which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Trans Union, XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a auto loan with XXXX XXXX XXXX that was opened in XX/XX/XXXX. My account is current, my last payment made was XX/XX/XXXX of {$450.00}. On their website through the customer portal my account reads current/on time but on my credit report it shows the account, closed, in collection/ charge off as bad debt and is listed with a derogatory payment. I have disputed this through transunion and XXXX 5 times now. They did update the balance but that was all they were able to do My account is it closed or in a derogatory status or in collections I am making my payment monthly. The representative I spoke to even shared with me that yes the account is in good standing snd I make my payments on time This company is not accredited with the XXXX and is currently under investigation for signing people into loans they know they would default on. I believe my account was victim to this tortuous behavior. 

Please help
Product: Credit card or prepaid card

I called US BANK VISA on XX/XX/XXXX to inquire on getting a refund for airline tickets purchased on XX/XX/XXXX through a travel company for {$2700.00}. Due to Covid 19, I had to cancel our trip scheduled for XX/XX/XXXX. I called the travel company on XX/XX/XXXX to cancel the tickets and was told I had to call XXXX directly to cancel. I did and XXXX only gave me a partial credit. The travel company retained {$1200.00} of my purchase and said I had to use it for future travel. I called the travel company on XX/XX/XXXX and got a recording saying they are permanently closed due to Covid 19. I called US Bank the same day and reported that information. US Bank credited my account {$2700.00} and then charged it back on my card saying they didn't get my paper response. I did complete and mail in the paperwork requested and this was validated by other persons in cardmember services. I spoke with many people at US Bank cardmember services and I was given different information each time I called. I filed a complaint with the MN. Attorney General 's office. US Bank responded to their inquiry and much of US Banks response is not accurate. US Bank also said the 60 day TILA rule applies. I had asked US Bank how did I get a full refund on another purchase I had to cancel due to Covid and I did not file a claim on that purchase for 120 days after purchase. They could not give me an answer. My last call to US Bank on this matter was on XX/XX/XXXX and I was told that if I could determine when the travel company went out of business and if it was within 120 days of XX/XX/XXXX they may look at my claim again. I can't determine when the travel company went out of business. US bank has not been forthright with their explanations to me. I believe I'm due a credit on my account.
Product: Money transfer, virtual currency, or money service

PayPal locked my account because they said my credit card was reported stolen however I have proof that it wasn't and have offered to show them I own it And they simply refused to take it or unlock my account. The email is XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion did NOT give me my required by law FREE credit report without paying a XXXX fee. 

They have been sued for this by others and they still do this.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law. Details of the account involve are as follows : Personal Information Also Known As : XXXX, XXXX, XXXX Also Known As : XXXX XXXX XXXX Former : XXXX XXXX XXXX Former : XXXX XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX  XXXX, NC XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Employers : XXXX  XXXX : XXXX  Employers : XXXX XXXX XXXX Collection/Charge Off XXXX XXXX XX/XX/XXXX {$3100.00} XXXX XXXX XXXX XX/XX/XXXX {$5300.00} Late Payment XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with the accounts below. I have always made my payments on time. As you can see, I have always had a stellar payment record with these companies. I tried contacting the TRANSUNION with no successful resolution. There was definitely an error on their part. I've disputed it with TRANSUNION & they too are withholding any verifiable proof. I believe their records are wrong & I'd like this matter handled ASAP. Please update to OPEN/never late. This is a strict violation of Fair Credit Reporting Act sections 611,616 & 617. They have provided ZERO VERIFIABLE PROOF & I feel are willful noncomplying and being truly negligent. This is a strict violation of Fair Credit Reporting Act sections 611, 616 & 617.. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATIONXXXX XXXX
Product: Credit reporting

Hello - I have requested TransUnion to remove account number : XXXX off my credit report for over 60 days. I have a letter from XXXX XXXX XXXX request the removal and TransUnion has not honored the request. This is stopping me from buying a house and I request this account be removed ASAP! I have attached the letter from XXXX XXXX XXXX for support.
Product: Mortgage

I filed a lawsuit against XXXX Bank XXXX XXXX, AS Legal Title Trustee for XXXX 2016 XXXX XXXX XXXX. Their address is XXXX XXXX XXXX, XXXX XXXX, Minnesota XXXX I have attempted to settle dispute, have not heard anything about my offer. XXXX XXXX XXXX XXXX and Trustee of XXXX both have the same location to be reached by mail address is XXXX XXXX XXXX XXXX, XXXX, XXXX, California XXXX. 
XXXX. Need address and location to serve civil summon and complaint of court documents to XXXX Bank XXXX XXXX, AS Legal Title Trustee for XXXX 2016 XXXX XXXX XXXX, for civil case from me the plaintiff in this case. XXXX. Need their legal representation information of who to contact about my civil summons, name of person, name of law firm, and direct phone number to reach that person and them. XXXX. All communications should be address to me the homeowner of the property ( no one else ) I am representing myself in this civil case # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent out 609 letters to the 3 credit bureaus XXXX, Equifax, and XXXX. These letters detailed the incorrect and inaccurate information being reported to my credit profile. On XX/XX/2020 I sent out 30 day demand to comply letters to all 3 credit bureaus. These letters also detailed the incorrect and inaccurate information being reported to my credit profile. Letting them know it had been 30 days and that I would filing a complaint with the CFPB. Today is Monday XX/XX/XXXX well over 30 days and I still haven't received any results from their investigation.
Product: Money transfer, virtual currency, or money service

Hello, I was instructed by my case manager at My Charge Back to submit a complain here because I was scammed in XXXX and it has been difficult for them to get a solution from the scammer 's banks. 

I was scammed by a guy called XXXX XXXX. At that time, I didn't know him but he kept talking to me until he got my trust. After 4 months he asked me if I could store his belongings at my place for a period of time until he get out of the military which I accepted. After three days a company, named XXXX XXXX XXXX, contacted me to verify my information and out of a sudden they asked me to send money to pay for the belongings which I declined at first because I only had to receive the items. Then I was threatened several times and they said that if I don't make the payment I will get in trouble with the authorities ( FBI ) because there is " money '' in the box XXXX XXXX sent. I was so confused and I didn't know what to do and because I didn't want to get in trouble with the authorities I ended up paying the money. Since then, they came up with stories which I believed and I paid all the money they asked for until I put a stop on this in XX/XX/XXXX. I reported this to the local police and also I contacted and paid a private company to investigate them. Come to find out they don't exist and they are scammers from XXXX. I believe they work with other XXXX located here in the US because the bank account names are XXXX. The private company contacted My Charge Back and they are assisting me in my case too. My Charge Back contacted a lawyer they work with and the lawyer wrote some letters, in XXXX and XXXX, on my behalf to the banks. I attached those letter, a police report, and the private company 's report about their findings during their investigation. Also, I attached the wire transfers and other documents for more details. 

Summary of the money sent and to whom : 1. XX/XX/XXXX for {$5700.00} sent to XXXX XXXX 2. XX/XX/XXXX for {$6900.00} sent to XXXX XXXX XXXX 3. XX/XX/XXXX for {$18000.00} sent to XXXX XXXX 4. XX/XX/XXXX for {$12000.00} sent to XXXX XXXX XXXX If you need more information please contact me for further details.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following companies listed below have violated my rights as a consumer. 

15 USC 1681 Section 602 A states I have the right to privacy.

15 SC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 

There must be written instructions by me to have anything written on my credit report and I never gave that authorization. 

Accounts : 1. XXXX XXXX XX/XX/XXXX {XXXX} XXXX. XXXX XXXX XXXX XX/XX/XXXX {XXXX} XXXX. XXXX XXXX XXXX XX/XX/XXXX {XXXX} XXXX. XXXX XXXX XX/XX/XXXX {XXXX} XXXX. XXXX XXXX XXXX XX/XX/XXXX {XXXX} Inquiries : XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX  XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

XXXX XXXX XXXX on my behalf contacted Midland Credit Management, inc avised them that the bill they are trying to collect that the statute of limitations ran out. This bill also was previously disputed along time ago with the original creditor XXXX. Midland Credit informed my attornies that they do not have any records of the dispute with the original creditior. I have been disputing this since this is the XXXX collection agency to acquire this old bill. This collection has also have blocked me from acquiring a mortgage to purchase my new home. XXXX have advise Midland they are ready to take this to litigation. At this point Midland should know the laws when they can no longer collect and report. The Law firm has given them 10 days and its is well beyond the 10 days,
Product: Mortgage

In XXXX of XXXX I started making mortgage payments to my mortgage servicer/company Freedom Mortgage XXXX XXXX NMLS ID : XXXX. 

Per my loan documentation I have a 15 year fixed non-escrow loan with a monthly payment of XXXX. 

On or around XX/XX/XXXX the previous mortgage servicer ( XXXX XXXX XXXX ) made a property tax payment ( {$920.00} ) for me ( I have no idea why ). This was my property tax due XX/XX/XXXX. I had to reimburse them, as I had not paid my property tax yet at that point. I was assured all was good. they made the payment in error, and I was able to pay them instead of the town. 

Around XX/XX/XXXX my mortgage was sold to Freedom Mortgage. I made several payments but noticed there was an escrow balance on the account. I made several calls to them and supplied them with my bank statement showing that I had reimbursed Home Point Financial the {$920.00}, I was then told all would be fixed and the escrow would be removed. However, the escrow balance remained on the account. They said the {$920.00} was applied to my principal on the XXXX XXXX, when it should have been applied to the escrow balance. This apparently was done in error. 

On XX/XX/XXXX I called them again to remove the escrow and was told it would be fixed, and I made a payment over the phone of {$1200.00}. All was good I was assured. 

Freedom Mortgage ( for some reason ) then decided to not apply the {$1200.00} and then charged me a late fee. 

I made a payment on XXXX on XXXX on the website ( that is the only payment it would accept ). 

I called them today ( XX/XX/XXXX ) and spoke to an escalation team member named XXXX. 
She said they can't fix it because they already filed some documentation with the IRS for XXXX. I stated this was not my problem but they claim they didn't want to get in trouble with the IRS or redo any paper work. They claim I did not pay a portion of the escrow balance when I paid the {$1200.00} on XX/XX/XXXX and therefore it was not the full payment. I also just found out that they reported my XXXX payment as late to the credit bureaus. They waited until XXXX to apply my {$1200.00} phone payment from XXXX. 

I have made all my payments on this mortgage on time. This escrow mix-up is not my fault. Freedom Mortage is not fixing the issue and they are pushing it on me. This is bad business practice. 
.