23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We sold our home on XX/XX/XXXX. Flagstar Mortgage was by law supposed to refund our escrow balance of over {$5000.00} within 30 days. We contacted them on XX/XX/XXXX and found out that the check had been mailed to our former address, and was not forwardable. They agreed to re-issue the check. We contacted them again on XX/XX/XXXX when we still had not received the check, were again told they would re-issue the check, and that we would receive within 3-5 business days. We contacted them again on XXXX when we still had not received the check, and spoke to a Supervisor. We asked him to wire transfer the funds directly to our checking account ; he said he could put a stop payment on a check he said was issued on XX/XX/XXXX, but that we would then have to wait another 2 weeks for them to make sure that this check did not clear, before they could accommodate us. He suggested we wait another 24 hours to see if the check showed up. I told him I would do this, but that this would be my last phone call before taking action against his firm if the check did not show up. It did not show up again today.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ( Bank XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXXXXXX ( bank ) XX/XX/XXXX Div.of child support XX/XX/XXXX XXXX XXXX XXXX XXXX-does not show date ( was not me ) 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 that a consumer reporting agencie can not furnish an account without my written instructions.

15.U.S.C 1681 section c. ( a ) ( 5 ) no consumer reporting agency may make any consumer report containing any of the following items or information.Any other adverse item or information other that records of XXXX of crimes witch antedates the report by more than 7 years 15.U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer or any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I added my name to my wife 's first citizens Bank checking account. This account had some line of credit associated with the account. I did not sign up for this, nor was I notified that there was an associated balance. I received no bill or notice ( nor that I signed up for a line of credit ). I found out about a balance when I received a credit alert that my FICO score dropped 100 points. 

Since I did not sign up for this line of credit, I asked first citizens to remove it from my credit report. They have not complied.
Product: Payday loan, title loan, personal loan, or advance loan

Even though I told them Im struggling financially right now and I do plan to pay it off. They call me literally XXXX times a day harassing me. The lady even told me that I need to get my act together, and be an adult and threaten me with harsh words that was truly uncalled for.
Product: Mortgage

We were contacted by a Citizens Bank XXXXXXXX XXXX ( where we do our private banking ) in the Spring of 2023 about the benefits of rolling an open HELOC into a mortgage on a property that is held in an irrevocable trust. I am the Trustee and Beneficiary of this Trust. I was adamant that we did not want to pursue a mortgage, as the Trust needed to remain intact. The Loan officer badgered me repeatedly and then contacted my husband- who is listed on our personal joint bank accounts ( NOT on the Trust accounts ) and badgered him about the Mortgage benefits claiming repeatedly that processing a Mortgage on the Trust property would not impact the Trust. In XX/XX/2023, he wrote " Your second concern is that the HELOC is held in an irrevocable trust. There is no effect at all to the trust or the taxes by doing this transaction. HELOCS and mortgages are treated the exact same way. Your title will remain the same and your tax write off will remain the same. '' He repeatedly noted that " he does this all the time, '' and then convinced us to pursue a Mortgage. We spent time and money going through the Mortgage application process, only to discover in XX/XX/2023 that the house would have to be taken out of the Trust in order to open the Mortgage, thereby breaking the Trust. At this point, I contacted our Family lawyer who explained that there was no way to take out a mortgage on this property in the state of Massachusetts without removing the property from the Trust. The Loan Officer lied to us, repeatedly. We halted the mortgage process immediately. At that point, we had already paid for an appraisal ( which we cancelled but still had to foot the bill for ) and then the cost of consultation with our family lawyer, who bills $ XXXX. We made financial decisions to consolidate other debt into the HELOC to roll into the Mortgage. We made these decisions based on the consistent and repeated advice of this Loan Officer for XXXX XXXX, an institution that we trusted. Since this incident, no one has apologized from the bank for wasting our time or the c. {$1000.00} we have spent on this process. 

This was the Loan Officer : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX Citizens XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX Office XXXX Cell XXXX Fax XXXX citizensbank.com
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX  - BALANCE {$38000.00} Account Name : XXXX XXXX XXXX XXXX XXXX - BALANCE {$13000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$320.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- COLLECTION ACCOUNT -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2020 with a balance of {$320.00} -This is not my account.
Product: Checking or savings account

Bank of America fail to protect my social security benefits from garnishment on XX/XX/2018 by putting a hold on my benefits. Ref # XXXX. How can i prevent this from happening again?
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear agency : I am writing to formally dispute an incorrect entry on my credit report, which remains listed despite my previous request for removal. I have already received confirmation from the CFPB hat this information should be deleted, as I have successfully resolved the matter in question. 

Name : XXXX XXXXXXXX Account XXXX I kindly request that you update my credit report as soon as possible to reflect the accurate information and remove the incorrect entry. Please inform me of the steps taken to resolve this issue. 

Thank you for your prompt attention to this matter. I look forward to your confirmation that this issue has been resolved.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies in my credit report regarding the XX/XX/XXXXaccount ( XXXX ), as reflected in the attached screenshot. While the Payment Status is marked as Current across all bureaus, the 7-Year Payment History contains erroneous entries showing late payments of 30 and 60 days. These inaccuracies require immediate correction, as the payments were made on time. Given the discrepancies between the payment history and the payment status, it is evident that the reported late payments are incorrect and must be rectified to reflect a consistent Current status. This inconsistency raises significant concerns about the reliability of the data.
Product: Debt collection

I received a letter in the mail saying I owe amcol systems XXXX dollars I dont know who they are I never used their service who please can you you have them verify that I have used them XXXXXXXX XXXX account number XXXX XXXX my name is XXXX XXXX XXXX XXXX address XXXX XXXX XXXX mi XXXX
Product: Credit reporting or other personal consumer reports

My credit hard injury reported why I dont understand I didnt get any credit loan from this company u can clear my credit pls thanks
Product: Credit reporting or other personal consumer reports

XXXX XX/XX/XXXX, XX/XX/XXXX I don't know what this is. 
XXXX XX/XX/XXXX I have a XXXX XXXX credit card and never applied for hotel and travel card. 
XXXX I have a XXXX credit card and never applied for hotel and travel. 
XXXX XXXX I did apply and was approved but never acted on the loan. 
XXXX I never applied for a dual card
Product: Credit reporting or other personal consumer reports

There is no legally admissible evidence to verify the accuracy of what Specialized Collections are reporting {$870.00} medical collections on my credit files, and this debt collection agency have not validated pursuant to the requirements of the FCRA. I am complaining about the impermissible access of my credit report by Specialized Collections, in direct violation of the FCRA & HIPAA. Last month, I have discovered that the Specialized Collections fraudulent account. I need proof of a wet signature of an application w/ XXXX XXXX XXXX and proof this is a credit transaction w/ Specialized Collections ; the debt agency is in violation of federal laws, and I will go legal if this is not removed. Specialized Collections accessed my credit report without my authorization or a permissible purpose as outlined under 15 U.S.C. 1681b, which regulates the legal purposes for which consumer reports can be obtained. I have been in contact with agencies via writing and have evidence on hand, expressing this does not belong to me and I am being ignored.
Product: Credit reporting or other personal consumer reports

During the months of XXXX and XXXX of XXXX, XXXX illegally accessed my Lexis-Nexis XXXX report XXXX  times with a hard inquiry. The dates were the XXXX, XXXX ( on which XXXX requests occurred ), XXXX, and XXXX ( XXXX requests ) of XXXX, and the XXXX ( XXXX requests ), XXXX, XXXX, XXXX, and XXXX of XXXX. I did not apply for credit or insurance on those dates, and in any case, XXXX is not a lending agency or insurance company -- meaning that the ultimate recipient of my report information was never provided to me. I disputed the information with Lexis Nexis in XXXX of XXXX  which removed the inquiries. I called XXXX and the customer service agent had no knowledge of these inquiries. During the dispute with Lexis Nexis, they failed to provide me documentation of the results of the dispute on a claim I failed to authenticate my identification. I mailed the identifying documentation requested via certified mail on the XXXX of XXXX, XXXX. It was delivered on XX/XX/XXXX. I have not yet received a response.
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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX  XXXX Account Number : XXXX and list of Inquiries. 

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: Debt collection

On XXXX I I previously reached out to CREDIT COLLECTION SERVICES requesting comprehensive documentation of their legal or equitable right to a claim on my credit report. I see that CREDIT COLLECTION SERVICES has reported a collection account with a balance on behalf of another company. I am aware that the Fair Debt Collection Practices act defines a debt collector as only private people and not an agent on behalf of anyone. Due to this misrepresentation, CREDIT COLLECTION SERVICES must remove all reporting of the account on my credit profile..
Product: Vehicle loan or lease

In XXXX of 2015 I purchased a used XXXX XXXX. after making 3 payments I was asked by XXXX to start making my payments through XXXX XXXX. Now It has been 18 months later and they sent someone to repossess my car. I have made the payments and they don't have them and I contacted XXXX XXXX and they said that XXXX did receive them. Now I am to turn the vehicle in or contempt charges will be filed against. I have made my payments the payments but no one will listen to me. Please help me resolve this matter. I have contacted XXXX XXXX and they have sent me to XXXX Remissions. It is quite ironic that their post office box is in XXXX, KY and so is the mailing address of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting incorrectly to XXXX  and Transunion a collection of {$1600.00} on the XXXX XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The total balance of the loan was no more than {$600.00} in total. I lost my wedding ring and purchased another one. The jewelry store was offering a financing option through XXXX XXXX XXXX. The offer was ( 90 ) days same as cash. The terms of the agreement were that the loan had to be paid off within the ( 90 ) days in order to avoid being charged interest on the loan. Prior to the ( 90 ) day mark I called XXXX XXXX to make the full payment so I would not get charged any interest. XXXX XXXX scheduled a time for their billing department to call me so I could make this payment. I never received the telephone call. They purposely avoided calling me so that I would be delinquent in making the payment. I immediately began calling XXXX XXXX. When I finally was able to reach someone in the billing department, the man I spoke with told me I was going to have to pay additional fees and interest when making this payment. I explained to him that I was well within the ( 90 ) day time frame when I made arrangements to pay this off, but that no one ever called me back. I re-stated their terms of the loan as advertised and that I was making every effort to pay this loan off timely. We were able to agree upon my offer of making ( 2 ) consecutive payments. Upon doing so, they promised that I would not be charged with a late fee or any penalties. Again, I was told that someone in the billing department would call me that same day so I could make the first scheduled payment. I never received a call. This was over ( 4 ) years ago. Last year I was contacted by XXXX XXXX. I spoke to another representative and she told me that the previous arrangements made were unacceptable. She insisted I pay double what the loan amount originally was for. I told her I was willing to pay the agreed upon amount previously negotiated. She told me she would have to research the information and she would get back with me. I never heard from her again. I recently discovered there was a collection on my credit report from XXXX XXXX. I immediately contacted XXXX XXXX only to be informed that XXXX XXXX sold this debt off and it is now being reported as a collection. The balance amount being reported is incorrect and this account should never have gone to collections. This incorrect reporting of a collection is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this however, I have not been successful.
Product: Debt collection

I open the account in a XXXX  store that told me wrong information about the monthly bill I received the bill for the month that was coming up I had not been over my 14 days return policy so I return the phones so I took the phone back and close the account now they trying to charge me for the phone and service I return. I called and talk with the company and explain what was going on and they still didnt remove the report
Product: Credit card or prepaid card

Hi Sir, I am a retired citizen and live on social security and can barely pay my monthly bills. I worked par time XXXX XXXXXXXX but due to cover pandemic alert and my XXXX health I am unable to work at XXXX. Discover card debt collectors are harassing me daily 8 to 10 times daily. I want them to stop Harassing me. If you could help me. Thanks. My phone number is XXXX XXXX XXXX. Tell them to stop calling me immediately. Thanks XXXX XXXX
Product: Mortgage

I had a returned check payment. Due to this my mortgage company made me mail in a certified bank check for 6 months. On month 6 I sent my certified check in as i have the 5 months prior. On XX/XX/2021 I realized that my payment sent via check was not reflecting on my account. I immediately contacted my mortgage company to report this. The woman on the phone and her supervisor both stated to me over the phone that they could see my check processed. I was also informed that it takes " 1-3 business days to reflect in my account. '' I voiced my concerns about multiple reports in my credit file due to their mistakes such as late payment and unfair trade. I was assured that this would not happen. 
On XX/XX/XXXX i went online and paid my XXXX payment via their website without issue. 
The following days i noted that Dovemmuel, my mortgage company, attempted to take a 2nd payment for the month on XXXX causing insufficient fund fees x2 from my bank for a payment that was not authorized.

I again called Dovenmuel mortgage to discuss this. I was told i could not speak to anyone and had to fax my information including my bank statement via fax which i did even though i felt it was unsafe to send my personal info over fax. 
Beginning of XXXX i received notification from my bank that the check i sent for my mortgage payment was returned to the institution because they could " not find an account associated '' with the payment. 
I again called the mortgage company and they continue to be unhelpful and take zero responsibility for this.

My credit score has dropped 64 points due to their false reporting. I have occurred over {$500.00} in late fees, property inspection fees in which my property was never inspected, overdraft fees from my bank along with stress and anxiety. I did my due diligence and Dovenmule continues to be unresponsive and is destroying me as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX XXXX, XXXX XXXX XXXX and XX/XX/XXXX i sent disputes to the bureaus to remove the accounts listed below and they did not remove them or send me validation of the accounts.

Sec. 609 of fair credit reporting act.

Sec. 602 i have the right to privacy. 

XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Account XXXX XXXXXXXX Please remove immediately.
Product: Credit reporting or other personal consumer reports

Transunion has a phone number of XXXX on my personal information page of XXXX Transunion needs to provide information of a contract or proof from a phone carrier to this number being mines. 
Transunion has no right to put information on my credit file with out any proof contract sign or document as by transunion.
Product: Credit reporting, credit repair services, 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. 

Account name : XXXX, account # XXXX, XXXX XXXX, account # XXXXXXXX XXXX XXXX, account # XXXX, XXXX XXXX XXXX XXXX, account # XXXX, and XXXX, account # XXXX has violated my rights. 

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: Debt collection

Wells Fargo calls me from different spoof numbers and from their main number. They call back to back repeatedly throughout the day. They first started to call back in XX/XX/2018. I have screenshots of the harrasing phone calls. They harass me, won't speak when I answer, hangs up on me and won't stop calling my phone. It has gotten to a point where I had to block their number but it will still show me when they would call. They call from their spoof number XXXX & also from XXXX. They have called me so many times that I would literally be writing for hours.
Product: Credit reporting or other personal consumer reports

I am the victim of ID theft, and filed an FTC ( XXXX ) Report, XXXX Police ( XXXX ) report XXXX XXXX police report ( XXXX ) and AIG affidavits under oath XX/XX/XXXXXXXX XXXX XXXX. Several Accounts have been opened in my name and charges made not by me. I filed a claim for relief under the the fraud and Id restoration services offered by my memberships to my XXXX and Experian XXXX XXXX ( claim XXXX ). I have been supplied a diligent restoration support agent under XXXX XXXX XXXX XXXX whom is the silver lining of support. Unfortunately there are still 3 accounts being reportedly negatively due to ID theft. I've supplied all the necessary evidence in dispute of the specific information due to fraud/larceny. The information was changed only to add new unverified, inaccurate and incomplete recordings. The enclosed file provide accurate and detailed information on this complaint. Thanks for facilitating.