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

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX RE : XXXX XXXX XXXX XXXX, XXXX. XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$120000.00} MTG {$0.00} - - XXXX XXXX XXXX XXXX PD WAS 30  XXXX/TU Late Dates : XXXX, XXXX, XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$290000.00} MTG {$0.00} UNK {$0.00} {$0.00} XXXX XXXX XXXX XXXX  PD WAS 30  XXXX/TU Late Dates : XXXX-30, XXXX-30 XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$4900.00} XXXX {$0.00} {$0.00} {$0.00} XXXX XXXX XXXX XXXX SETTLED XXXX/TU Late Dates : XXXX-60 (  See status ), XXXX-30 XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$290000.00} MTG {$0.00} XXXX {$0.00} {$0.00} XXXX XXXX XXXX XXXX PD WAS 30 XXXX/TU Late Dates : XXXX-30 XXXX  XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$300000.00} MTG {$0.00} XXXX {$0.00} {$0.00} XXXX XXXX XXXX XXXX PD WAS 30 XXXX/TU WFHM XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$260000.00} MTG {$0.00} XXXX {$0.00} {$0.00} XXXX XXXX XXXX XXXX PD WAS 30 XXXX/TU Late Dates : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$11000.00} EDU - XXXX - - XXXX XXXX XXXX XXXX CHARGE OFF XXXX/TU To Whom it May Concern, Your firm has failed to send the legally required validation of this debt. You have been notified that your actions are detrimental to me and that your firm has violated ( including but not limited to ) the Consumer Credit Protection Act, the Fair Credit Reporting Act, and the Fair Debt Collection Practices Act. 
Your firm knew or should have known that the actions taken against me and the information collected about me was inappropriate and damaging to me. 
Failed to use reasonable care in the course of business and failed to use even minimal procedures to ensure that I was not harmed. 
Communicated and are continuing to communicate incorrect and defamatory information to third parties including but not limited to : XXXX, XXXX, and Trans Union. 
As a result of these blatantly reckless, wanton, and intentional acts, I have suffered and continue to suffer general and specific damages. I am also very upset at your firm 's intentional infliction of emotional distress and at the other diminishments of the quality of my life. 
I am now demanding the immediate and complete removal of this tradeline from my credit reports ( XXXX, XXXX, and Trans Union ). 
As I am currently attempting to apply for credit, time is of the essence. Please understand that I am extremely concerned about the consequences of the actions your firm is having on my life. Please be advised that, if this matter is not resolved by xxx, I will take any and all necessary steps to protect my rights. 
Thank you in advance for your attention to this matter. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Product: Debt collection

Kohl 's corporate office has called repeatedly ( up to 5 times a day, daily ), and as late as XXXX after I have asked them not to call after XXXX due to the fact that I have XXXX young children, at least XXXX is XXXX XXXX.
Product: Mortgage

I was on a Covid-19 forbearance plan with Roundpoint Mortgage. At the time we started our mortgage balance was under {$290000.00}. I was advised I would not be accruing interest during the Covid-19 hardship. When my husband got a job and we were off the plan they modified my loan and without my knowledge added to our mortgage and brought the balance up to {$320000.00}. I have been paying on the mortgage for 9 months and the principal balance keeps rising as well. I was never told that my balance would go up and I was told that there would be no interest added. I was informed that the mortgage would be extended so the payments were lower and that the escrow shortage would be split into 5 years of payments. This is not what happened and Im trying to get my money back on all of the interest they added. I also want to know why my balance increased despite making over {$16000.00} in payments. I tried to solve this with Roundpoint but they said they cant help because my mortgage was transferred to XXXX XXXX. XXXX XXXX  is saying they cant help me because this was something Roundpoint did.
Product: Mortgage

Hello, I was looking to refinance, and I went with Wells Fargo as my refinance bank. I paid {$500.00} for the upfront cost to get my application started. 

They called me back a few weeks later saying my refinance application was denied, offering no other alternatives or options for me. I requested additional information as to why I was rejected but they were not as helpful.
Product: Credit reporting or other personal consumer reports

After previously reporting XXXX as at FCRA stand Experian correct there incorrect mark and deleted the account. They failed to investigate and remove XXXX XXXX  which is from the same location and was created the same. Even when receiving a CFPB statement for its removal Experian has still refused to investigate and remove the account. Experian has failed on countless occasions to review the account on time and resolve the issues stated. They are past there time to investigate the account
Product: Mortgage

Cornerstone home lending is predatory and the mortgage broker XXXX XXXX repeatedly lied to me about estimates. All estimates were several XXXX dollars off ( always in XXXX favor ). Cornerstone had my original mortgage and the refinance but charged a late fee when XXXX was slow processing the loan. We were supposed to get a refund of impound but cornerstone itself paid our real estate taxes twice ( {$4000.00} ). XXXX XXXX says he will try to help figure out what went wrong and see if you can get your money back. He is not performing his fiduciary duty to us - and has behaved in a predatory manner.
Product: Debt collection

Because I changed from XXXX XXXX XXXX to XXXX, XXXX claim I own them a disconnect fee which I never knew anything about until I changed to XXXX. However, XXXX kept billing me after the disconnect and I paid the first bill. I feel that XXXX should have return the money for bill me after they had disconnected me. 

The people that is calling is IC System XXXX. They use to call XXXX a day, however, the called XXXX times today. 

Thanks for any help.
Product: Credit card or prepaid card

I lost my job and my home in XXXX after Hurricane Harvey. I used this card minimally before this all happened. I had to move and I didn't have a permanent mailing address until I rented a home in XXXX. I am trying to get a VA Loan to get back on my feet and this my lender said this information which shows as " revolving credit '', derogatory, but closed is keeping me from qualifying.
Product: Credit reporting, credit repair services, or other personal consumer reports

AN ENORMOUS AMOUNT OF PROBLEMS seems - to have started when something went wrong with XXXX account at Wells Fargo! 

It was a Checking Accnt. I was using that account to make automatic payments to a lot of Credit Card Companies. 


When something went wrong with that checking account at Wells Fargo- it caused things to go wrong with payments to Credit Card Companies! 


Then - that caused Credit Card Companies to start sending false info to my files at Credit Bureaus! 

Then - that caused those Credit Bureaus to send false info about me to a lot more Companies! 

Maybe all over XXXX XXXX? 

How many Companies??? 

Strange thing- if something goes wrong with XXXX account - if it is a checking account- it can spread a lot of problems to a lot of companies! 

I will file a more detailed complaint when I have more time & more energy! 

When I have better health!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have XXXX XXXX XXXX XXXX XXXX on my report I do not recognize these accounts yet Equifax continues to report them Ive sent in numerous Identity Thef reports and validation letters they have failed to comply its been over XXXX days
Product: Credit reporting, credit repair services, or other personal consumer reports

Thank you for taking the time to read this letter, and I hope your day is going well. Im writing because I noticed that my most recent credit report contains a late payment reported by XXXX XXXX XXXX account # XXXX. 

I want you to know that I understand my financial obligations, and if it werent for XXXX XXXX XXXX, Id have an excellent repayment record. I have been a satisfied customer of XXXX since XX/XX/2016. Their outstanding customer service is the reason Ive remained a loyal customer, and Ive always considered it a priority to make all payments on time by setting automatic payments. Unfortunately, I was not aware that XXXX had been bought out by XXXX XXXX XXXX, due to being on military travel orders. I had no access to information about this transition as military members had no contact privileges while on training mission.Upon return from my training, I was notified of the transition and the late payment.I made it certain to pay my dues immediately upon notification. I am concerned about the repercussions of this occurrence as it has an impact on my credit score and hope that my consistency with all my previous payments is enough to prove my reliability. Your records will show that I had never been late with a payment until this unfortunate oversight, and I have been prompt with my payment since the situation was brought to my attention. 

I am planning to apply for XXXX XXXX XXXX and it has come to my attention that the missed payment on my record could impact my ability to qualify. I respectfully request that you apply a goodwill adjustment to remove the late payment from my file. 

Thank you very much for your consideration,
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to XXXX XXXX and Experian several times regarding unauthorized credit accounts, incorrect information, and unauthorized Credit Inquiries in all my 3 Credit Reports. I 've been given the run around with all 3 XXXX XXXX, and Experian, and their workers/Supervisors. I reached out also directly to the companies who 's information is listed in my Credit Report. They have me on hold for hours at a time trying to get this resolved. Then im being forwarded again back to the Credit Bureau to resolve the issue. They have a total of 3-6 fraudulent accounts in my report and 15 unauthorized & fraudulent inquiries in my report. I had place a credit fraud alert on my credit reports. And it was apparently useless. Because I was never notified by the Bureaus of these unauthorized accounts and/or inquiries being initiated and opened up in my Reports. XXXX also had a computer glitch. Which they inserted and reinserted these inquiries in my report. Again, I was never notified about this.
Product: Checking or savings account

I am a trustee/executor of my Dad 's estate XXXX opened a Pacific XXXX bank account in XXXX it changed to XXXX bank in XXXX. In XXXX XXXX took me to the branch in XXXX XXXXXXXX and put me on Pay upon death beneficiary. In XXXX the bank changed to XXXX bank. Somehow there are no documents or signature card for XXXX at either the XXXX branch or XXXX. The only signature card is from Pacific XXXX bank in XXXX the next one is from a conservator of XXXX when he became demented XXXX XXXX. I have exhausted my resources trying to find this document. I can not see how it could have gotten lost. I did subpoena the records of all 3 banks and nothing. Do you have any suggestions on how to find this document? Or just forget it.
Product: Debt collection

Through numerous requests, I've followed the guidelines of the FCRA in requesting that Equifax fulfill their mission statement and report accounts with integrity. Equifax have failed to provide me with ANY documentation or physical proof of their methods of verification, even though I've requested them with numerous certified dispute letters. All of these letters were FCRA 609 ( a ) ( 1 ) ( A ) based, which means they were obligated to provide me with a tangible original signed consumer contract with my signature on it, showing that they've effectively investigated every account I've disputed. 

In addition, neither Equfax, the collection agency " XXXX XXXX '', or the original creditor " XXXX XXXX XXXX XXXX XXXX '' have responded since XX/XX/2015 with ANY documentation. When creditors and collection agencies don't respond to a FCRA 623 letter, I have no choice but to direct my dispute with the bureau. I'm NOT claiming identity theft, instead, I am demanding that this account be removed as it does not belong to me and I have no knowledge of it's origin! 

I have sent my non-response letters, therefore how are you verifying something that I absolutely can not get verified? The original creditor is not XXXX  accredited, they do not answer their phone, they have no website or email address, and XXXX says it's an entity of two employers, their company isn't even registered with the CFPB. Who are these people?! Nobody knows! And ultimately, I no longer care. What I do know is that Equifax have NOT verified this information and they need to be removed from my credit report.
Product: Credit card or prepaid card

Contacted representatives of the company via telephone and emails several times in XXXX and XXXX XXXX because of the financial hardship I am experiencing from Hurricane Irma. However, they continue to plague me with calls, jeopardizing my employment for an overdue payment and would not provide with an answer to my request for a payment deferment on my minimum payment due to XXXX XXXX on my credit card accounts. Received a letter from Amex indicating that XXXX XXXX is responsible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Lundquist Consulting , Inc. ( LCI )  is reporting a bankruptcy on my credit report from the US Bankruptcy Court XXXX XXXX of New York. 
I have a letter from the court stating they do not report to credit bureaus. Or to any third party credit monitoring companies. Nor do they verify or validate any information pertaining to any bankruptcies. 
Lundquist Consulting , Inc. ( LCI ) is falsely reporting this information on my report and to all the credit bureaus. 

I've attached the letter from the court stating as such.
Product: Money transfer, virtual currency, or money service

If i remember correctly the first time it happen I was scammed. Someone stole my phone and took about XXXX from my bank account i reported this to my bank I reached out to cash app they told me talk to my bank. Another time I paid over XXXX  for services that were never received I reached out to the person directly they stopped responding, i reached out to cashapp and I dont remember what exactly was said but nothing was done or resolved and if Im not mistaken I can still access proof. There was no direct person to speak with ever. Im not sure that there was even a phone number to call for customer support which I thought was odd however it worked everyone was using it cool. Initially they didnt ask for SSN then one day that information was required to order a card which wasnt the case upon initially signing up. There were a couple times i looked up it was negative i was never aware that could happen. I cant load cash money to my account like other users can at your local stores. I feel at my regular bank if i reach out seething that services were never rendered and my money was stolen that it would be returned to my account especially with the proof that I have. I eventually had no choice but to give up especially with the lack of customer support and live agents to speak with regarding these matters. The money was on my cashapp account so i cant expect my main bank account to replace something that cashapp should with supporting documentation. 


When you report services not given nothing happens its a run around. I reported this but It wasnt through chat due to previous issues resulting in no help
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. This account has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. 15 U.SC 1681 section 602 A. States I have the right to privacy. 15. U.S.C 16881 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. In accordance with the Fair Debt Collection Practices Act. Debt collectors are not allowed to communicate with me under the 15 USC 1692. 


XXXX Account XXXX XXXX {$520.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) Account # : XXXX {$680.00} NAT CRED AUD ( Original Creditor : XXXX XXXX XXXX ) Account # : XXXX {$1900.00} my remedy to this is for these accounts to be removed from all credit reporting agencies.
Product: Money transfer, virtual currency, or money service

Over the course of a couple of years, varied amounts of money were removed from our Bank of America checking account without our authorization. These amounts were transferred to entities who were unknown to us. For the year prior to discovering and reporting these fraudulent withdrawals, XX/XX/XXXX to XX/XX/XXXX, {$38000.00} was stolen. This account has been closed. 
{$27000.00} was returned to our new account by Bank of America. Of the total amount, stolen during the year prior to reporting, {$11000.00} has yet to be returned to us for this one year period. Bank of America informs us that most of these were transferred to XXXX bank, and that they will not compensate us for this loss. 
In addition, beginning XX/XX/XXXX and prior to XX/XX/XXXX, approximately {$17000.00} in additional funds were stolen from our account and transferred to multiple entities unknown to us. 
The total amount Bank of America has not returned to us is roughly {$28000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 
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
Product: Debt collection

I received an email SUBJECT - UCC Violations, Solvency, XXXX XXXX and XXXX XXXX XXXX XXXX XXXX, Case No : XXXX, Balance {$16000.00} - dated XX/XX/2016 In this email there were 11-12 different emails Most, I have no association with, in the email, there are 5 attachments containing my personal information and address. There threatened me with the following : File a Notice of Default against your Brokers License with XXXX as well as with the California Attorney General according to Uniform Commercial Code 9-607b ( 2 ) a, which could result in a fine or loss of license. 
* Contact Title Companies and Title Attorneys to serve UCC1 & intercept any current and/or future commission due to you and/or your brokerage until the balance is cured. 
* File a complaint with the California Attorney General for Fraudulent Receipt according to Uniform Commercial Code 5-502 to 5-511, which could result in a fine. 
* Add additional collection and recovery fees according to Uniform Commercial Code 9-607 ( d ). 
* Contact XXXX  as well as with the California Attorney General to advise of possible FRAUD AND FALSE STATEMENTS by Concealment of assets from conservator, receiver, or liquidating agent according to Title 18 Part 1 Ch.47 1032 ( 3 ), which could result in a fine and/or up to 5 years imprisonment. 
* File a complaint against your Brokers License based on Realtors Code of Ethics & Standards of Practices.
Product: Credit reporting or other personal consumer reports

I asked for legitimate documents to prove the appearance of these items in the credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of IDENTITY FRAUD due to my PERSONAL INFORMATION being compromised in the XXXX DATA BREACH. Please remove these accounts from my credit report. 


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
Product: Mortgage

Fifth Third Mortgage Acct Number : XXXX for property sold at XXXX XXXX XXXX XXXX, XXXX, GA XXXX. 

I have contacted 53rd bank several times in an attempt to have my {$800.00} overpayment of escrow refunded to me, but the bank has refused. I sold my property in XX/XX/2022 and the amount in escrow for tax was to be refunded to me. It states this in my closing documents. The company tells me they issued ( and reissued ) the check, but I have not received it. This has been going on now for 3 months. Each call to their office takes hours to complete because their hold queue/customer service is not properly staffed. The escrow overpayment amount was on the website in my account history, but the company has revoked my access to my account history since the mortgage has been paid off. I no longer have access to my statements or anything. I want a copy of my escrow statement which they have not provided and I want a refund of the escrow overpayment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted this complaint to update this suspicious information. 3 Credit Bureau must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX Balance : {$30000.00} ; XXXX Balance : {$16000.00} ; XXXX XXXX Balance : {$2800.00} ; XXXX XXXX Balance : {$17000.00} ; XXXX Balance : {$12000.00} ; XXXX XXXXBalance : {$17000.00} ; XXXX  XXXX Balance : {$11000.00} ; XXXX XXXX XXXX Balance : {$620.00}.