23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On Friday, XX/XX/2021, I contacted my current mortgage company, Caliber Home Loans, to notify them of my closing date with a new lender, XXXX, on Tuesday, XX/XX/2021. I requested they update the Payoff ( through XX/XX/XXXX ) to reflect the correct Escrow Balance of - {$35.00}, not {$1900.00} which reflects the XX/XX/XXXX Real Estate Tax Bill that is due. They bounced me back and forth between Customer Service & Tax Department for over 2 hours. I probably spoke with about 6 different people and can not remember all names. XXXX from Caliber 's Tax Department admitted the tax date they had in the system was wrong ( incorrectly listed it as XX/XX/XXXX, not XX/XX/XXXX ) and that they do not even have a tax bill for which a Stop Payment could be issued. She is correct, because I can not even get an updated statement from the City of XXXX as they have not issued them for the XX/XX/XXXX billing yet. The City of XXXX issued me an abatement in XXXX and I do not even know exactly what the amended XX/XX/XXXX bill will be yet, because the City has not issued those new XXXX bills and will very likely see them until XX/XX/XXXX, which is long after I close and pay my Caliber loan in full. 

I was then transferred to her Supervisor XXXX who then passed me back to Customer Service again and then transferred me to another Customer Service Supervisor, XXXX. XXXX along with the new Tax Department contact flat out refused to update the information and basically said they would not change anything and gleefully told me that they won't even discharge my loan if I did not pay the {$1900.00} escrow balance ( which is incorrect, because my escrow balance is - {$35.00} XXXX and the bill is not even owed to the City of XXXX until XX/XX/XXXX. So, now both banks are charging me escrow for the same tax bill. This is a highly unacceptable practice that puts an unfair financial burden on the borrower. I was also told by the new bank representative at XXXX that it is illegal for them to collect this additional money. I want them to be punished for triple the amount ( {$1900.00} x 3 ) they are unfairly trying to collect from me interest free, so they will be incentivized to fix their processes and not put such an unfair burden on any borrower again, especially in the middle of a pandemic where so many people are hurting financially.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX Balance : {$190.00} ; XXXX  XXXX  XXXX Balance : {$1800.00} ; XXXX XXXX XXXX XXXX XXXX : {$22000.00} ; XXXX XXXX XXXXXXXX Balance : {$5400.00}.
Product: Debt collection

In the beginning of XX/XX/year>. I noticed that the Trans Union agency listed a collection against my credit report by the XXXX XXXX XXXX agency based in XXXX XXXX MN. I promptly disputed the collection through TransUnion and after 3 weeks I received a report that determined that this was a legitimate debt. When I asked about any details about this debt or how TransUnion determined that it was a " legitimate debt '' the representative explained that they are only a reporting bureau and not the agency itself. Realizing that representative probably knew nothing besides what was on the computer screen I asked the representative for the contact information which she gave me. 

I then called the XXXX XXXX XXXX agency and I explained the situation. First, the representative explained that the account name ( listed as my nickname ) was the wrong name. I explained that I have gone through this farce over 4 times with collections agencies and credit bureaus. I politely suggested that she speak to her supervisor on this matter as to how to proceed because if I could not get the information needed to clear my credit report then I will be forced to pursue legal action. 

After a few moments, the XXXX XXXX representative gave me the account number of the collection, the original creditor XXXX XXXX XXXX cable and the address that the cable was receiving the cable service ( an apartment in Mississippi and I have a house in NJ ). 

After this she explained how I could go to XXXX XXXX XXXX directly and explain that I was victim of fraud. XXXX XXXX XXXX 's process requires me to provide a police report of fraud and documentation that I was residing in. It almost seems to me that XXXX XXXX XXXX is attempting to make it so difficult that a person will just settle and they or the collections agency can make a few bucks in the process. Needless to say, they chose the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

Found a collection account from child support when I dont owe any money or even have a active case they fraudulently put it on my XXXX   credit report and its wrong
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

FRAUDULENT ACCOUNTS : Account Name : XXXXXXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX Account Name : Bankruptcy # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX  15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Checking or savings account

Bank froze my bank account and my {$800.00} in savings I was using towards a down payment of an apartment. They claimed their back office flagged my account for sending XXXX money transfers to my family members in the amount of {$4.00}! 

I went to the branch and spoke to management they refused to give me my money without a code that they claim is coming in the mail. Which I never received and I lost my apartment move in date. I'm out of gas and groceries and this compant refuses to let me access my funds with a CA ID and two forms of identification after the person I spoke with was the same one that opened my account two weeks ago the worst part is my direct deposit is scheduled there in a week or less and I can't stop it.
Product: Debt collection

My wife has been receiving phone calls from Everest Receivables Services. We have looked up the company and it states it is a debt collection agency. We do not have any outstanding debt that would require services of a collection agency. 
We have attempted to block their number ; however, they would call from a different number. My wife has deleted most of their phone numbers. Here are two of the numbers that they have used to call us : XXXX and XXXX. 

We want this company to stop calling us.
Product: Student loan

I'm reaching out for help with a concerning situation. I submitted a School Misconduct Discharge application to Navient for the loans acquired to attend the XXXX XXXXXXXX XXXX XXXX XXXX My application was confirmed and received on XX/XX/2024 for both outstanding loans. 

On XX/XX/2024, both applications were denied with no specific answer or option to appeal. I have attached the application filed and requested supporting documents. I have also attached a screenshot of their response to the application. If anyone has advice or has experienced a similar situation, I would greatly appreciate your guidance.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX XXXX : XX/XX/year> Consumer SSN : XXXX Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a loans, credit cards, and any other accounts from XXXX XXXXXXXX with a balance of {$1300.00}, XXXX XXXXXXXX with a balance of {$0.00}, XXXXXXXX XXXX XXXX XXXX  with a balance of {$200.00}, XXXX XXXX XXXX XXXXXXXX with a balance of {$860.00}, XXXX XXXX XXXX with a balance of {$9500.00}, XXXX XXXX XXXX XXXX with a balance of {$900.00}, XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX 

These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # [ Enter Complaint # from FTC report ] as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

I am responding to a collection listed on my credit reports. I do not recognize this claim. Please provide me with written documentation to validate this purported debt, an itemized statement showing the amount you claim I owe, copy of the written agreement or promissory note I signed relating to this purported debt, agreement with the creditor that authorizes you to collect on this alleged debt, agreement bearing my signature stating that I have agreed to assume the debt, valid copies of the debt agreement stating the amount of the debt and interest charges, complete payment history on this account along with an accounting of all additional charges being assessed, show me that you are licensed to collect in my state ; and your license numbers and Registered Agent. 

If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. 

Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 

Thank you. I will await your reply.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX o had transferred an amount of {$2100.00} to an account in XXXX through REMITLY transfer no. XXXX XXXX XXXX XXXX. After deducting the amount from my card they started asking for ID proof.. .I had send them their passport.. But still they want an ID that had my US address.. I work on a ship and don't have a permanent address in the United States... Then they asked me for my cruise ship ID.. .I sent them a letter on the company letterhead stating that I work with XXXX XXXX lines and also MY landing Permit that is the XXXX... .I wrote them that these are the only IDs I can provide them with so either cancel the transaction and return my amount or transfer instantly... Now REMITLY is not replying to my mails and not even transferring my money.. My money is stuck with them since a day.. I had to pay someone that amount and now because my money is stuck I had to pay the person 10 % interest per day untill I payback the amount. 
Kindly look into the matter and get it resolved asap. And also get REMITLY to pay the interest which I am bearing because of them. 
Thankyou.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went online to unfreeze my credit report temporarily. 

1 ) Their website misdirects you to purchase their product to unfreeze. You have to find the unfreeze website through a separate search. 

2 ) After finding the hidden website, I filled out all the information correctly and supplied the pin they provided me. 

3 ) The website failed twice on its own, then on the third time, they locked my account saying my pin was incorrect. 

4 ) I called their number and provided the PIN ( which they now said was correct ). They said they unlocked my request. However, immediately after saying my freeze has been removed, I was told to send information in. 

5 ) I am at an unclear state of my credit report. Is it frozen? Is it temporarily lifted? I am unable to go back to their website to request what information needs to be sent or to check the status of my freeze.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past two years since XXXX 2015 I have been written to the three credit  union 's XXXX XXXX and Experian, in regards to XXXX XXXX XXXX, XXXX and XXXX having an account in my report. These are not my account, the debt collector 's has not been able to validate the account 's neither has the credit union. these account should be removed from my records since it was clear that I did not create this account. Nor can they provide me proof that I sign any legal document with my signature binding me to a contract with XXXX or XXXX XXXX XXXX. 

The credit union have been informing me I have to speak to the debt collector 's the debt collector 's tells me I have to request the deletion of my account from the credit union.
Product: Credit reporting or other personal consumer reports

On XX/XX/ XXXX  as a federally protected consumer I requested to opt out of any and all authorization I the consumer may have given written, unwritten, or non-verbal per 15 usc 6802.
Product: Checking or savings account

Truist client is incapacitated and has named our bank as Trustee. We spoke with local Truist rep XXXX XX/XX/XXXX to see what documents were required to allow XXXX  access to accounts. All requested paperwork was submitted on XX/XX/XXXX. We followed up the following week with no response. Finally tracked down branch personnel and were told they didn't have access to secure email so documents were hand delivered to the Truist XXXX XXXX, WV branch on XX/XX/XXXX. We were told via email they were forwarded to Truist legal team. We were told on XX/XX/XXXX that a legal opinion was required since Truist, " didn't have a trust certification on file. '' I requested to speak with Truist legal counsel to clarify what was needed but were told that was " impossible. '' The rep and branch manager only have an email address and clients can't speak directly with legal. We paid an attorney {$3200.00} to prepare the requested legal opinion and hand delivered all requested documents to the representative at Truist XXXX XXXX branch on XX/XX/XXXX. We followed up with the rep on XX/XX/XXXX and were told he would follow up. We have yet to receive a response from Truist. Truist clearly does not have processes in place.
Product: Money transfer, virtual currency, or money service

I obtained a loan I thought was lendingusa. It turned out to be a scam company and the stole XXXX out of my checking account. They just now tried to take XXXX out of my XXXX XXXX. I have a signed contract says lendingusa, but it wasn't them.
Product: Credit reporting or other personal consumer reports

Previously submit complaint number XXXX regarding consumer violations and past dispute with credit bureau , Equifax. The bureau responded by stating that an investigation was done and the information was verified as my account, but did not address any of the violations or concerns that was listed in the complaint. The complaint was closed without being able to appeal the response. It appears the company responded, so they can say they responded without taking the time to address my concerns which is even more frustrating. I shouldn't have to beg and pled with a company to fix inaccurate information on my credit report, and should be able to trust that companies as such would not intentionally violate my rights and will hold my information confidential, but that does not seem to be the case. I've been going back and forth for over 5 years now for the SAME issues. Not one time has this company provided me any documentation to show how they " verified '' the information. Yet again, this is way over the 60 days and my credit report is STILL not correct. According to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. credit bureaus have an obligation to report Accurate, Complete and Timely information, but Equifax failed to do so. According to Section 611 of the FCRA, I have a right to get the method of how said accounts were verified, but Equifax failed to provide the requested information.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I sent a letter regarding inaccurate accounts, inquiries and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within XXXX XXXX gives a reason to immediately remove those items from my credit report. It has been over XXXX XXXX so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX XXXX breach and may have got into the hands of the wrong person. I am submitting this CFPB complaint to request to the Credit Reporting Agencies to once again, investigate and this time remove the disputed accounts completely from my Credit File. If the Credit Bureaus do not comply with the requests under the provisions of the Fair Credit Reporting Act, I will be left with no choice but to file the lawsuit we have been preparing for a long time. The Credit Bureaus only have XXXX XXXX left to remove the following accounts completely from my XXXX XXXX
Product: Credit card or prepaid card

I need to keep my contact information private with CFPB. 



I have relocated to NY but was informed since the store is a nationwide chain store it can be accepted any state. 

This is only a few of the documents IN ALL OUR MILITARY MOVES, WE NEVER EXPERIENCED BEHAVIOR LIKE THIS AT ANY STORE MUCH LESS A NATIONAL CHAIN THAT IS SUPPOSED TO BE UNIFORM NO MATTER WHERE YOU ARE & TRANSPARENT. THIS IS WHY WE CHOSE THEM. THEY ALSO PROFESS TO BE BIG SUPPORTERS OF OUR US ARMED FORCES AND VETERANS ALIKE. WE DID NOT EXPERIENCE THIS. 

HOW WOULD YOU FEEL IF BELOW HAPPENED TO YOU? 


Heres how Home Depot violated their own mission statement : They sent the wrong products to me repeatedly with little to no remorse Refused to honor what they originally promised Their unwillingness to resolve the problem Their credit card took my dispute and found in my favor THEN when I closed the account, THE CREDIT CARD REOPENED MY CARD & put the charges back on. 
Their attempt at a bait and switch by trying to give me a lesser quality/priced product They would move me from employee to employee, passing the buck Person charged to fix their admitted mistake ignores me that why were here Their measurements after going to the house were still wrong They sent damaged products repeatedly Finalized dispute in XX/XX/XXXX in my favor with XXXX balance ( see statements ) HOWEVER, my XXXX statement shows that the disputed amount of $ XXXX was credited back to my card without me knowing and without my permission and without any explanation as to why they apparently had reversed the FINALIZED disputed decision. Once a dispute is finalized the credit card said repeatedly it final? 
To date I am still missing corrected products about $ XXXX worth ( store wouldnt honor or wont go through with me exact amount ) Management telling me that if I asked for ONLY the items I bought but were given incorrectly in one room then they said they refused to take care of the other rooms They picked up products I didnt order and products that came wrong/broken and promised to refund but never did This has been such a long, arduous ordeal so please excuse any repeats in journaling of most of the events. 

HD mission statement : When customers shop with The XXXX XXXX, theyinviteus into their homes and businesses. We are grateful for theirtrustand understand the responsibility that comes with it. That's whywe are committed to doing things better every day- building a great place to work for our more than XXXX associates, constantly improving the sustainability of our products and operations, and giving back to the communities we're proud to call our own. The Home Depot has been empowering doers since XXXX. It is our hope that we will continue to empower our customers, business and planet for many years to come
Product: Money transfer, virtual currency, or money service

I refer to your last statement, dated XX/XX/2021, in which you declined my complaint and duplicated Coinbase 's position. On XX/XX/2021 from XXXX to XXXX XXXX I was the victim of a hacker attack whose software somehow infiltrated my device ( laptop ) while using Coinbase services and when I logged into my Coinbase account, my cryptocurrency funds first tried to transfer in full amount ( equivalent to about XXXX USD ) in the form of BTC, Dogecoin and Cardano cryptocurrencies. After Coinbase withdrew this transfer ( apparently because of the transfer limit ), the funds started transferring XXXX USD each for half an hour until I had no funds left in my account. In addition, hackers transferred about XXXX USD of credit funds that Coinbase provides to customers, and Coinbase demanded I return them, after that Coinbase simply blocked my account. I find this situation egregious especially in terms of Coinbase 's response to my claims. Back on XX/XX/XXXX, Coinbase itself admitted that someone logged into my account from a third-party IP address on XX/XX/XXXX, thus essentially admitting its guilt. However, Coinbase obviously refuses to take responsibility for it. I demand the recovery of funds stolen from me. The two-factor verification was not requested during the transfers to verify them because the funds were transferred from my device or for some other reason. I did not provide a password or access to the hackers. I still have evidence on my device.