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

On XX/XX/XXXX my wife and I opened a Savings Account at the Wells Fargo XXXX XXXX XXXX in XXXX, NJ for an initial deposit of {$25000.00} based on a flyer we received from Wells Fargo thru the USPS mail The Pomotion flyer promised a Promotion Bonus of {$520.00} after 90 days of deposit. The banker opened the savings account for us with a PROMO Code of XXXX. My wife and I would not have opened the savings account had we been told that it is for new customers opening a savings account. We have not received the {$520.00} Promotion Bonus YET! We would not have parked {$25000.00} at the Wells Fargo Bank if we were told and informed that the PROMO is for new savings account opening. Besides, what we have at that branch is a Checking Account. Therefore, the opened savings account was valid and qualified. I talked with the XXXX XXXX branch manager and escalated my complaint to the escalation Dept. on XX/XX/XXXX with a Wells Fargo case number : XXXX, telephone No. XXXX, XXXX XXXX the Escalations Representative and XXXX his Supervisor. I was told resolution will be by followed up to us by XXXX XXXX, XXXX? PAYMENT DELAYING TACTICS? WE WANT OUR {$520.00} promotion bonus NOW and we would like to close the savings account and withdraw our withheld {$2100.00} in the savings account. We were not allowed to close the savings account as Wells Fargo contends that the {$520.00} promo bonus will be deposited to this account. Our existing checking account can receive the {$520.00}. 

WE DEMAND AN IMMEDIATE RESOLUTION, {$520.00} Promotion Bonus deposited to any of our two accounts. WE DEMAND AN END TO THIS NUISANCE CASE, NOW!!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested a refinance of my car with XXXX XXXX XXXX XXXX located in XXXX XXXX XXXX Florida, on XX/XX/2018, of which I was a member of at the time. They did two hard inquiries when it should have been one which is affecting my credit score. I have contacted them, but was unable to resolve the problem.
Product: Mortgage

I had forced placed insurance that has been cancelled as of XX/XX/20. I have been trying to have my regular insurance escrowed. Per representative XXXX ( assigned contact ) I should be calling the lender XXXX XXXX. Per XXXX I should be calling FCI lending. Per XXXX ( very rude person ) they do not know how to handle this and all should be handled by XXXX. Unable to reach additional members at FCI do to my call defaulting to XXXX as he is my assigned person. I have a payment on XX/XX/20 for forced place insurance and no one has been able to advise where this payment is. I am also making monthly payments to insurance and don't know how this is applied. I also tried going online to see my payment history, I had to change my password and an email had to be sent with a link. It has been 5 days and still no link. I call and XXXX  just said to wait for the link, did not even attempted to help. This is by far the worst servicing company. All I need is my insurance to be escrowed.
Product: Student loan

My XXXX  loans were discharged through my XXXX  XXXX Bankruptcy. I had to prove undue hardship at the onset of the XXXX process for these loans to be included in the XXXX. Nelnet will not acknowledge that these loans were discharged. Nelnet continues to bill me for these loans, adding interest each month. 
I have written to Nelnet and the DOE twice regarding the discharge. Nelnet has responded with a letter telling me that my XXXX filing does not automatically discharge my obligation to repay these loans. 
I have filed two disputes with XXXX Credit Bureau over this.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION INACCURATE INFORMATION MUST REMOVE IT
Product: Credit reporting, credit repair services, or other personal consumer reports

equfax XXXX XXXX XXXX reporting a false collection it was XXXX not mines
Product: Credit card or prepaid card

I contacted MCM to have this debt validated. They were unable to locate an account and are wanting the full account number, they only account number I have is the one on my credit report.
Product: Debt collection

I have sent several dispute letters to both XXXX XXXX XXXX XXXX XXXX, and the 3 credit bureaus about 4 medical collection accounts contained on my reports. XXXX and XXXX  deleted the account after the first dispute. However, XXXX  continues to report the accounts. I have sent several letters to the address contained on the XXXX reports, and have received no response. I finally sent a certified letter and it was returned as undeliverable. I also tried calling the number listed on the report but to date it is disconnected. Despite having informed XXXX by letter and phone calls about the problem with the address and phone number, the accounts remain on my report and I have no way to have the information validated.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I submitted a dispute through XXXX, as a means for CREDIT COLLECTION SERV ( CCS ) to send me a letter, through mail, of a derogatory account on my credit report. I requested a copy of the legally binding contract that establishes my obligation to repay this debt. I have not received any documentation by CREDIT COLLECTION SERVIC ( CCS ) certifying that this debt is owed by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

aCCOUNT CHARGED-OFF more than 3 yrs ago all of a sudden a late payment hit the report never has this been reported ( DEMO VERSION! ) in the past
Product: Debt collection

I receiving letters from a collection company threatening that credit rating will be affected if equipment is not returned and service fee not paid.
Product: Checking or savings account

I have a checking account with Regions Bank ( Acct # XXXX ) and bank with their branch in XXXX, Mississippi. On XX/XX/year>, I discovered a fraudulent transaction from my account in the amount of {$2300.00}. I immediately contacted Regions and was given a provisional credit for the fraudulent transaction. Subsequently, Regions Bank reversed the credit with no explanation other than there was nothing that they could do about it. I had no knowledge of the transaction of the fraudulent transaction and I took appropriate action to immediately report the fraudulent transaction in accordance with Regulation E. Despite submitting the claim to Regions fraud department and elevating the complaint to Regions Financial Corporation 's CEO and General Counsel, I have been told that it is not their problem and that there is nothing that they can do.
Product: Mortgage

My mortgage loan was transferred to Shellpoint Mortgage Servicing ( " Shellpoint '' ) aka NewRez effective XX/XX/XXXX. The servicing of my mortgage loan ( collecting payments, paying taxes and insurance etc. ) transferred from Ditech to Shellpoint at that time. My previous house payment was {$300.00} which was debited from my bank account which kept my loan payments consistent and current. I had no previous concerns with my home loan that I'm aware of. According to the notification letter I received from Shellpoint dated XX/XX/XXXX, the change did not affect any terms of my mortgage contract other than those related directly to servicing my account. The coupon attached to the letter reflects a significant change in payment amount and was " back '' dated by several years which has left me extremely confused since a current payment of {$300.00} was sent back to my bank in the form of a cashiers check ( # XXXX ) with no explanation of why or how the loan amount has changed. I made numerous efforts to reach Shellpoint by phone but ... ... .to no avail. Since I haven't been able to reach Shellpoint by phone I made a " good faith '' effort to send another cashier 's check ( certified return mail ) in the amount of {$460.00} which to date has not been deposited or returned. I've received no explanation as to why the loan amount has changed or why I'm not receiving any written correspondence to the contrary. I am reaching out to the Consumer Financial Protection Bureau ( CFPB ) because I've read alarming reviews of Shellpoint Mortgage Servicing ( dba ) NewRez that is extremely concerning. I believe I am being denied " Due Process '' under law which leaves me in a vulnerable state of confusion and a possible foreclosure premise which I do not wish to be a victim of. I did not ask that my mortgage be put into the hands of what appears to be a " predatory '' mortgage company. There is documentation that show Shellpoint has be sued numerous times for unsavory business practices. The CFPB notes that on XX/XX/XXXX Shellpoint " again '' tops Monthly CFPB complaints!!!! Please assist me in finding out what's happening with my mortgage loan at the hands of this company and how my concerns and mortgage payments can be applied to my account and prevent any default of my home loan.
Product: Money transfer, virtual currency, or money service

I received Money Gram XX/XX/2022. XXXX {$2000.00}. 
I was given {$500.00} and the remaining {$1500.00} in a Money order and advised to deposit to my personal bank.My bank rejected the money order they said issue was the money order had a invalid payee listed. I contacted money gram and I was told that on their end they did not have any issues and XXXX  did not know why my bank had rejected it, the blamed me for the mistake and denied any possible solution to resolve my issue. My bank attempted to contact XXXX however did not resolve anything, my bank advised me that they would return item to me this caused my account to be over drafted. 
After numerous attempts to speak to a English speaking representative I gave up and filled a replacement form online for 3 day expedited processing fee {$45.00}, and next day overnight deliver fee {$22.00}. I was told my replacement amount would be {$1400.00}. It has now been 10 days I requested a replacement and I was told that my check was mailed and I should receive it XX/XX/2022, not in 3-7 expedited business days. They are liars and don't care this money is my husbands hard work earnings to pay for our rent. I want Money gram to know that as of yet I have not received my replacement, and my family and I are facing eviction from our home. This money was for my rent and Money gram has failed to properly process my transaction and their inadequacy to do their job correct in America has caused a tremendous amount of stress to myself, financial institution, and store where I transaction occurred. Money gram does not have any empathy for customers. Their code of conduct, and ethics compliance is worthless.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I recently reviewed my Experian credit report XXXX and identified multiple inaccuracies and incomplete information. As per the Fair Credit Reporting Act ( FCRA ), under 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy in the information they provide. The following accounts listed in my credit report have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violations of the Fair Credit Reporting Act : 1. Reasonable Accuracy Obligation ( 15 U.S.C. 1681e ( b ) ) : Consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information concerning individuals. These accounts listed above have violated this standard by reporting incomplete or inaccurate data. 
2. Treatment of Inaccurate or Unverifiable Information ( 15 U.S.C. 1681i ( 5 ) ) : Under this section : * If information disputed by a consumer is found to be inaccurate, incomplete, or unverifiable after reinvestigation, the agency is required to : ( i ) Promptly delete or modify the inaccurate item in the consumers file. ( ii ) Notify the furnisher of the modification or deletion of the inaccurate data. 
3. Furnisher Responsibilities ( 15 U.S.C. 1681s-2 ) : * Furnishers are prohibited from providing any information they know or reasonably believe to be inaccurate to consumer reporting agencies. 
4. Prohibition of Reporting Inaccurate Data ( 15 U.S.C. 1681b ( a ) ( 1 ) ) : * A person is not permitted to furnish inaccurate information regarding a consumer if they know or have reasonable cause to believe the information is inaccurate. 
I demand that the inaccuracies be corrected immediately, unverifiable information be removed, and prompt notification of actions taken be communicated to me. Failure to address these violations constitutes noncompliance with federal law and infringes upon my rights under the FCRA. 
Action Items : * Remove or modify all inaccurate, incomplete, or unverifiable information from my credit report as required by 15 U.S.C. 1681i ( 5 ). 
* Notify all furnishers of the corrections made to my file. 
* Provide me with written confirmation that these corrections have been completed. 
Thank you for your prompt attention to this matter. I expect a resolution and written confirmation within the statutory time limit outlined under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good day I am contacting you to report Capital One credit reporting I paid off this credit card at mid XXXX and they didn't report it till XXXX the XXXX when it was paid off I had a balance of {$14.00} now a company a merchant has wanted to my credit card account and over charge me for a purchase that I shouldn't be charged for so I'm disputing that with that merchant and with Capital One then credit report that I am over my limit which brought my score down XXXX points when they never brought my score up when I paid my credit card off and I think it's highly discriminatory and XXXX that they have not changed my score when I paid that card off their credit reporting is supposed to be over and done every XXXX of the month not on the XXXX of XXXX so now on the XXXX of XXXX they reported that I'm over my limit instead of raising my score when I paid the card off they never raised it they dropped my score even more XXXX points because of overcharge on my credit card which is not at my fault I am disputing all of this I want something done about this cuz I keep reporting I keep writing disputes with the credit bureaus and they never do nothing they say that the information is correct that they have it is not correct they never raise my score when I paid this card off when it's reported they waited until a negative charge hit my account and made my account negative again and I find that highly XXXX and discriminatory that they doing this to the poor community I have no reason to be in a negative light I'm trying to raise my score and they constantly keep knocking me down and I'm really freaking tired of it I want something done about it my score should be higher than what it is now I'm tied up the incorrect credit reporting so I want to know who is the highest power that I can get this taken care of with cuz I need to sue them and all of the credit bureaus for incorrect credit reporting that is my problem!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. XXXX and Equifax has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

According to the U.S.C 1681 602 A, States I have the right to privacy.

These addresses, birthdates and incorrect spelling of my name do not belong on my report. 
XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ND XXXX XX/XX/2022 I have already sent CERTIFIED MAIL with proper identification and proof of address to these credit bureaus on XX/XX/2022, stating to update my correct personal information on my reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for mortgage loan back in XX/XX/2020 with XXXX XXXX. There was a credit inquiry posted on my report from Credco. This is understandable. However I checked my report again later and I saw an additional inquiry from XXXX and 2 more credit inquiries in XXXX from the same company. There was no new application there was no authorization for these credit inquiries. I did not authorise anybody to check my credit in XX/XX/2020.
Product: Debt collection

Debt was paid in XX/XX/2018. Please find copy of check tho this complaint. The company has yet to report this information to the 3 credit reporting agencies.
Product: Mortgage

Began refinancing of house with XXXX XXXX  given a XXXX appraisal fee, already paid. Contacted by Imperium lending, convinced to switch for lower interest, couldn't give me XXXX appraisal but could " credit '' the fee XXXX off closing costs. Then cost were added in, so obviously I paid that, they claimed I misunderstood, not the case, was lied to. Then after appraisal I was told I needed one more thing, XXXX XXXX XXXX- which I ended up failing ( to a tune of costs totaling XXXX, to fail ), delaying processing, costs went up by lender. Had to escrow plumber, forced to replace pipes by municipality ( small root showing ), to a cost of XXXX. Felt stuck with needing to refinance. Told in beginning that I could refinance with them again when rates dropped for no cost, but then I asked how do I know they won't sell like my other mortgage did ( that I now can't get ahold of to even try with them ), they assured they wouldnt in beginning because they were a much " bigger '' bank. But when asked upon closing for that in writing, they said they could not. Researched to learn they are Whole Sale market, and selling mortgage is just what their business model is. On their site, it state the were paid by lenders, not by consumer, but there was close to XXXX fee to Imperium lending on closing cost, along with the Loan origination fee, which went up as it took time to close due to failed sewage test. Spoke to XXXX  and others about all the costs, which would have in end totaled XXXX for a XXXX loan refinance., with an excellent credit score, was crazy high, and foolish to pay that much, along with higher interest, and added back in PMI to refinance to be able to afford some home repairs. SO I backed out, still forced to replace sewer ( not their fault ) but they lied multiple times, XXXX about appraisal fee being " credited '' off costs, XXXX about they would sell mortgage like other company did and I could refi with them when rates dropped, lastly about the costs being paid by lender on their site. Not to mention how my rates kept raising as the process was stalled by their slow customer service, or to failing a test that I was not told about until after paying for appraisal. Very shaddy business practices. Just looking to help out a future trusting consumer like myself, who's not the best with math and a bit too impulsive with making decisions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Obtained a loan through XXXX XXXX Bank in XX/XX/XXXX for a XXXX XXXX XXXX. Contacted the company to arrange for late payment they claimed was never made and repossessed our vehicle a few days later without any legal notice. Because we were not made aware of the repossession, we thought our car was stolen. After finding out it was repossessed, we were not given the information as to where the vehicle would be sold or the option to pay the past due balance. I was not aware until this year that by Nebraska law you must give written notice before repossessing a vehicle. After selling the vehicle at auction, they showed a remaining balance that we would be responsible for. I understand that is how that situation works however, the bank has held on to the loan since the repossession in XXXX and has increased and decreased the balance without any payments coming from us. Since auctioning the vehicle, reporting of late payments after a repossession occurs is an error. I have disputed this many times and the bank had even agreed to remove it from my XXXX credit report but, have not for my other credit bureaus.
Product: Payday loan, title loan, or personal loan

MoneyLion has reported my account as past due by 30 days with a {$61.00} past due amount to credit bureau ( XXXX  ) and this is FAR from the truth! I have never missed a payment and my bank statements show this as does their OWN WEBSITE, payments are taken out automatically every other week and show all as paid on time and current yet they reported it as late, I have contacted MoneyLion and all they will say is sorry and that it is their mistake and they will have a supervisor contact me when I ask to speak with one. Furthermore they cant even supply me with dates bc their own system shows everything as current and paid in full yet they refuse to remove this black mark from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXXXXXX Balance Owed : {$750.00} XXXX XXXXXXXX Balance Owed : {$680.00} XXXX XXXXXXXX Balance Owed : {$680.00} XXXX XXXXXXXX Balance Owed : {$680.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Mortgage

30 Day late payment reporting was provided to the 3 credit bureaus ( XXXX XXXX and XXXX  ) in error, This error caused a drop of 82 to 95 points to my Credit Scores and reduced my 100 % on-time payment record to 99 %. Loan Depot approved my Budget/auto drafting of my account for my Mortgage Payments in XX/XX/XXXX, this action was to ensure no late payments and that my account would be paid bi-weekly. Loan Depot 's policy for auto drafting requires 2 months payments paid in advance ( performed on XX/XX/XXXX and XX/XX/XXXX ) which covered XXXX and XX/XX/XXXX. 3 additional payments, XXXX XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX were also made online using Load Depot 's website making the first payment to be paid from auto drafting on XX/XX/XXXX. On XX/XX/XXXX after logging into Loan Depot 's webpage I noticed they hadn't taken XXXX or XX/XX/XXXX drafts and no suitable explanation was provided as to why I was at fault for the missed payments. Funds were readily available an no attempt by Loan Depot was made to ensure timely payment. I took the following steps to correct the issue and get setup for budget drafting again by paying XXXX, XXXX and XX/XX/XXXX payments with the first auto-draft scheduled for XXXX XX/XX/XXXX on XX/XX/XXXX. I then filed a complaint with Loan Depot which they denied any wrong doing and that their records were correct and I filed disputes with each credit bureau.
Product: Debt collection

According to the collection agency, they assumed a debt that was less than THREE MONTHS OLD. That is vile. I also have no way of verifying if the total amount I owed is correct based on the information I was given by both doctor 's office and collection agency.