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

As submitted to the CFPB on XX/XX/22 complaint number XXXX, Equifax confirmation XXXX XXXX Equifax reinserted previously deleted accounts # XXXX XXXX  Acct # XXXX XXXX XXXX XXXX were reinserted into my credit file without notice. As a result of the complaint, EQUIFAX DELETED XXXX XXXX XXXX, XXXX DELETED, I pulled my credit report confirmation number XXXX and EQUIFAX has reinserted previously DELETED accounts and once again did not provide notice per the FCRA. XXXX XXXX XXXX Reinserted violation XXXX reinserted previously DELETED violation Reinserted XXXX XXXX XXXX previously DELETED violation
Product: Debt collection

I do not understand why this is till on my credit and where its coming from I previously tried to contact the company regarding this {$1000.00} debt that has been negatively affecting my credit since XX/XX/2017.
Product: Mortgage

My application was mishandled from the very beginning by the Mortgage Loan Originator. Specific documentation was misrepresented or not requested. My application was submitted for underwriting several times and kept being returned because my file was not completed correctly. I was told my tax returns needed to be amended to close though loan although I had already submitted an amendment. My first amendment was accepted by the IRS and the mortgage company refused to process because the second amendment was not matching the transcript for the first amendment. The mortgage underwriters then went back and accepted the first amendment after I rescinded the second amendment the mortgage company said was necessary to process. 
The delays in the request for information took me past my original credit report. The originator had told me via email that my credit report did not expire until XX/XX/year>. Then the Director in Mortgage told me that it expired on XX/XX/year> which was two days before my delayed closing was due to be scheduled. I was told my second credit report was within DTI limits to schedule closing then I was told the next day that my student loans were never counted from the beginning and had to be counted at XXXX XXXX. This was an additional failure on the front end which cost me my loan approval since counting the loans put me over my DTI ratio. I was told that I had to obtain a payment amount from my loan servicer so that they would not have to count the entire XXXX XXXX. Department of Education has placed a hold on all IDR payment plans and put these loans on executive forbearance. Therefore, I could not obtain a loan payment even if I wanted to. 
All throughout the process I returned requested forms and information immediately. I was told I was brought up on a " random audit '' which put my application and documentation under higher scrutiny. 
The delays and flagrant mishandling of my file caused the process to extend and additional month. I went with this bank alone and now have no alternative for funding that I can obtain rapidly enough to close on my home. 
I received no apologies and the life of my family will forever be affected by the errors made by this bank. They did not offer me any alternative loan products, they only told me that they could not approve the loan.
Product: Mortgage

Hello, In Mid XXXX I switched from a XXXX Insurnace policy with one Insurance Company XXXX to another XXXX XXXX XXXX. I did notify the XXXX  XXXX Mr Cooper of the insurance switch and did provide the number of the new policy with XXXX and the XXXX contact information. In a couple of days I checked whether XXXX did update the insurance in their system and was unpleasantly surprised to discover that they did NOT. 

I provided all of the above information to them again, called my new insurance company XXXX and asked them to send the insurnace policy information to XXXX for the second time. 

Today I on XX/XX/XXXX opened a letter from XXXX mailed on XX/XX/XXXX which says that since my previous XXXX insurance expired and I did not provide them with the insurance information they will buy the insurance for me. This is a clear cut false statement and in my opinion an attempt to sell me an inferior insurnace product at inflated prices. 

I did feel very upset and cheated when I received this letter from XXXX, on the first glance they seem to be a respectible Mortgage Company but I have my serious doubts. 
If other consumers with XXXX have a similar experience as I did then I feel that a serious investigation by a Governmen Agency is in Order.
Product: Mortgage

1 This communication has several dates.

I started a claim on XX/XX/XXXX. 
I have been trying to obtain legal tender to REPLACE the DAMAGED roof.

This XX/XX/XXXX will be a TWO YEAR anniversary.

The more it rains the more internal damage the water causes.

There seems no response.

2 The other issue is they claim a shortage or a deficiency within the escrow account.

They have not provided any type of justification for such, under the 12 CFR Part 1024 - Real Estate Settlement Procedures Act ( Regulation X ) 1024.17 Escrow accounts.
Product: Debt collection

In XXXX, I checked my credit report. It was not in there on XXXX. I got a not saying something hit my credit. I reached out to the company to get information because I never heard of it. Verify my information they told me some information didnt match so they couldnt give me any more information and somebody will reach out to me higher up. Ive called once a week and seems like Im just getting the run. The bill is {$2200.00} from snap and the company that took over his DRC.
Product: Checking or savings account

I have a checking and a saving account with Chase Bank.I have those account for a very long time over 30 years. 

Suddenly chase is charging my saving account a fee of 5.00 every month. 
I don't understand why. I use my account to pay all my bills and I try to maintain some fund in my account but chase keep charging me the XXXX fee. I can not afford to be charged unnecessary charges. 

On XX/XX/XXXX, XXXX was debited from my saving. 
On XX/XX/XXXX, XXXX was debited from my savings. 
I would like chasse to credit my account back for all the necessary charges.
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. 
I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX Balance Owed : {$620.00} XXXX  XXXX XXXX Balance Owed : {$190.00} XXXX XXXX XXXX Balance Owed : {$230.00} XXXX  XXXX Balance Owed : {$26000.00} XXXX XXXXXXXX Balance Owed : {$25000.00} XXXX XXXXXXXX Balance Owed : {$27000.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} However, they stated that everything was completed and accurate . But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify that isnt reporting correctly.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section604 A section 2 : It also states a consumer reporting agency can not furnish an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I called TH PROF MEDICAL COLLECTN OF XXXX to pay {$79.00} debt. Then they tried to say I had over {$2500.00} in debt. I asked them to prove my debt by telling me what it is and mail it to me. Then they said they forgave my debt, removed it and only charged me {$79.00}. This XXXX said my debt has been erased and they gave me back all of the {$250.00}. Well, I called my bank and they said they took all XXXX! I asked XXXX again from this so called debt agency to mail me a copy of all my debt I owed. She asked why did I need it, if they dropped all of it? She put me on hold and never came back. I recorded the WHOLE. Conversations! I let her know that, she started freaking out my doctors office, XXXX, the XXXX that this bill Supposedly came from, they said is not real. They said I do not owe any money because of the fact I have Medicaid and they dont charge anything. The XXXX want to see copies of what I/ supposedly came from, they said it is not real. They said I do not owe any money because of the fact I have Medicaid and they dont charge anything. The XXXX went to see copies of what I owe. I told her this. She would not comply. I have proof they put a false {$79.00} charge on my credit! They tried to get me to call this fake number - XXXX, this is NOT XXXX XXXX XXXX XXXX its a XXXX number. I called the real number and they saw I am a patient, but I owe NOTHING! They said I need to report this fraud! Why offer to drop my debt and give my money back, if I really owed money?!? They put this on my credit report, making it drop over 45 points on purpose. By making it XXXX hoping I would pay it, but can not provide my bill because there is no bill. This needs to be taken on my credit report. Its a scam! 
This happened today. They put it on my credit report XXXX XXXX. Saying its from 4years 10 months ago. ( Not possible to have XXXX in charges, Illinois Medicaid does not charge a deductible ) XXXX said they gave back the money, but XXXX said the stole it. 
I have her recorded on video, it shows her number, me calling and her saying shes taking this debt off my credit report and giving the XXXX all back. I can play it to anyone that wants to hear it.
Product: Credit reporting, credit repair services, or other personal consumer reports

sent the police report of the ftc violations please remove the ftc violations XXXX  XXXX capital one 4 late payments were b/c of the ftc violations If a bill collector violates the Fair Debt Collection Practices Act, you might be able to sue and recover money and other damages. The Fair Debt Collection Practices Act ( FDCPA ) protects debtors from harassment by debt collectors. If a collector has violated the FDCPA, you can sue the collector in court. 

which they all did and in violations
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX ... XXXX XXXX ... XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Debt collection

TO WHOM IT MAY CONCERN : This is the 4th time that I am contacting the Consumer Finance Protection Bureau regarding my credit issues ; I am extremely grateful to the CFPB to right the wrongs committed by the crooked, militant debt collectors and the lazy, corrupt credit reporting agencies. I hope congress would increase funding for the CFPB and not reduce it as the Trump 's administration has recently done. 

This letter is in reference to a collection account placed by Portfolio Recovery Associates, of XXXX, VA, on my XXXX  credit report. On XX/XX/2018, I sent a letter, via certified mail with return receipt, to the debt collector with no response from the firm at all. The firm chose to ignore my request for specific answers regarding the derogatory account placed by them. 

In light of the above I humbly and kindly request the CFPB to order the above debt collector to eliminate the derogatory from my XXXX credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Requested reports by clicking on annualcreditreport.com on Washington State Attorney General 's credit site. Requested report on annualcreditreport.com. Requested XXXX report. Made possible error. Did not select XXXX XXXX XXXX as my bank because as far as I know my bank is XXXX XXXX XXXX without the " XXXX ''. Then informed I could not get my report online and I had request a hard copy to be mailed to me. Called XXXX to get a copy. Only options are automated. Ca n't get operator by pressing " 0 ''. At the end of slogging through the data entry and/or voice entry ( half of which apparently could not be understood ), I pressed the wrong number when asked if I was the blind. When asked if I needed a report for the blind I pressed the key for " No ''. No confirmation from them so I am not sure what I will get from them. Next I went back to the annualcreditreport.com website and went to the " Contact Us '' page. No option for a phone call to a human so I requested the " Comment Form ''. Filled out the form saying I was not blind and want the report for people who can see. When the comment was submitted I got a reply saying " thank you for your comment '' so who knows if any action will be taken. I know I am not the only lousy typist out there. Others could easily be caught up in the unhelpful loop. It seems to me that this whole process was set up in a very unhelpful way. It is almost as if they set it up for requests to fail easily. I have seen much better process flows and options for error correction. Thank you. P.S. This was all online or by telephone so I have no documents.
Product: Money transfer, virtual currency, or money service

It was XXXX XXXX n he scammed me on PayPal he told me to pay fam n friends so he did n't have to pay fee n I did n he was selling a XXXX n he scammed me XXXX $
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

[ XXXX XXXX ] [ XXXX XXXX XXXX XXXX XXXX ] [ XXXX XXXX FL XXXX ] [ XX/XX/XXXX ] Re : Request for Information Regarding Charge-Off Account Account Number : XXXX Dear [ Sir/Madam ], I am writing to request additional information about the charge-off account listed on my credit report with the account number XXXX. I am not disputing the account ; however, I would like to request the following specific details : The date of first delinquency associated with this account. 
The date of the last payment made on this account. 
The date of the charge-off designation for this account. 
This information is critical for my records and to ensure the accuracy of my credit file. I kindly request that you provide this information as soon as possible, in compliance with the Fair Credit Reporting Act ( FCRA ). 
If this information can not be provided or if inaccuracies are found in the reporting of this account, I respectfully request that the appropriate corrections be made to my credit report. 
Thank you for your assistance. Please send your response to the address listed above. I look forward to receiving the requested details at your earliest convenience. 
Sincerely, [ XXXX XXXX ] [ XX/XX/XXXX ] [ XXXX ] [ XXXX ]
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard form the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX {$2500.00} XXXX  XXXX XXXX {$270.00} XXXX XXXX {$640.00} XXXX XXXX  XXXX {$110.00}
Product: Checking or savings account

I have no access to my personal account or my business banking account ( that I just opened up with BMO ). Apparently, there was a check that was attempted to be deposited into my account in the amount of {$5100.00} that was addressed to me but not signed by me... I am really trying to keep it together here, but this has happened to me at XXXX XXXXXXXX XXXX XXXX as well. I feel as though I am starting to become a victim of identity theft, and I fear that this is going to start affecting all of my accounts from here on out. I need URGENT help in this situation, as I do not know what move to make yet and I fear for my finances and future endeavors because of this. I am currently at a stand still financially and physically. Aside from these feelings of defeat and anguish, this check in question clearly shows a signature that is NOT mine on the reverse of it... I received a letter in the mail from BMO in regard to an overdraft reminder stating that my checking account has an overdraft balance of XXXX. I also have a copy of the check in question from BMO stating the following : RETURN REASON-N ALTERED/FICTICIOUS and the reverse shows the signature that is NOT mine. This is still being investigated per the Fraud Department at BMO as of today XX/XX/2024 at approximately XXXX XXXX which is when I spoke with the team over at BMO. I need help with this, as I have nothing to do with this check and I feel as though I have fallen victim of a scam and potentially future financial issues due to this. I am paranoid to even open a new bank account now anywhere for that matter and need assurance.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I signed up for TransUnion 's 3 Bureau Credit Reporting. I  have no recollection of the site plainly stating that signing up would be a recurring/subscription. What I was intending to purchase was one-time access to reports, i.e. a single charge for a single service. That was {$19.00}, and a transaction of that amount is fairly regular, so I did not notice the next 12 months of charges from TransUnion. I received no emails, no reminders, or notices of any kind that the charges were renewing each month on the tenth. From XX/XX/XXXX to XX/XX/XXXX, I have been charged a total of {$230.00}, only {$19.00} of which was intentional. 

I noticed these charges for the month of XX/XX/XXXX, on the night of XX/XX/XXXX, and then looked back to each previous month and saw charges from TransUnion. Navigating on the site, the option to " Get the full picture '' on a Credit Report and Score is one of the most prominently featured links. Clicking on that link directs the user to a page that requests {$29.00} for these services. At this point I don't know what it is that the recurring XXXX charges are for, since the original charge was supposed to be for access to a Credit Report and Score. 

I was unable to find a link to cancel the subscription while navigating within the site. A XXXX search found the page, but there were no links that I could find from internal site navigation. I submitted a cancellation for the subscription on XX/XX/XXXX, and received a confirmation of the request shortly thereafter.
Product: Money transfer, virtual currency, or money service

I am filling out a complaint against Cash App ( Block , Inc ) due to in adequate customer service and unfair practices which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulations E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

Hello, A message was passed to me regarding a phone call to phone number XXXX. They called on XX/XX/2022. 

From phone number XXXX EXT XXXX Female debt collector who would not leave her name, left a message on a voicemail with a 3rd party and then spoke to unauthorized and unverified XXXX party, verbally threatened " if XXXX does not call me back by XXXX tonight, I'm turning this over to my lawyer. This is regarding her XXXX Credit Card account ''. 

When 3rd party asked her name, she said " M '' sound but could not understand what her name was, as though she purposely muffled the phone. 3rd party asked again, debt collector gave the same " M '' sound then muffled the phone. 

Please investigate this debt collector as I feel she is using unfair and bully tactics that violate the CFPB and FTC. 

I can be reached at XXXX, my name is XXXX XXXX. Email preferred, XXXX Thanks, XXXX
Product: Debt collection

On XX/XX/XXXX XXXX, I received a legal settlement of approximately {$56000.00} that was deposited into my Bank of America checking account. It was from a XXXXage discrimination case due to me having XXXX XXXX. Bank of America immediately debited approximately {$23000.00} from that account to pay the entire balance on my XXXX Visa card that was on a payment plan. No communication happened from Bank of America prior. 

Bank of America claims I personally secured the corporate Visa Platinum card, and accessed my Social Security number from my personal account. I would NOT personally secure it to the extent such would be like a personal loan, secured by my checking account. My corp. had a FEIN number that is most likely what I used. Otherwise, why have a corporation. And why would Bank of America give me a platinum card with a $ XXXX limit had my credit score not justified it. 

My neighbor is a XXXX XXXX bank auditor, and stated what B of A did to me was illegal.