23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

This is a follow-up to complaint XXXX which involves forced placed insurance. 
Shellpoint Mtg. promised to refund {$2600.00} for XXXX. I tried many times to send documents which prove I have XXXX insurance through XXXX XXXX XXXX XXXX, but Shellpoint doesn't receive them. I have attached these documents. 
I deeply appreciate you help.
Product: Credit reporting

Hello, When attempting to request my annual credit report from Experian, the website says the report is unavailable online. It says " A condition exists that prevents Experian from being able to accept your request at this time. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

There accounts on my credit report that I did not have anything to do with I just want to get them disputed of my credit report
Product: Checking or savings account

My checking account with Wells Fargo was charged 3 overdrafts fees of {$35.00} each on XX/XX/2019. My account was overdraft less than {$20.00} after doing a XXXX transfer for my rent. A check that was supposed to be deposited XX/XX/XXXX was not credited in time. I came to Wells Fargo branch XXXX XXXX and XXXX and had a long conversation with a banker about how unfair was to charge this and that I didn't know the account was as low. The charges were two {$6.00} transactions from XXXX that were pending from the app. 
Banker asked for authorization to credit the overdraft fees and the answer was negative. As I came back to the branch to discuss about it and explain how I don't even have enough resources now as to loose {$100.00}, XXXX XXXX, assistant manager still said no to credit this fees. I've already asked in the past to never allow any charge when my account is XXXX because I don't ever want to pay this fees. 
The bank explains that their system doesn't allow them to block debits that are from apps or direct debits. So I still get charged with this very expensive fee. I also felt poorly treated at the branch by this assistant manager, XXXX XXXX, feeling bullied and like she enjoyed to use the power of saying no to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im my credit report its showing its in collection .. after checking with company and company website it shows that account transferred to another collection agencies .. when trying to contact another collection agencies then they said no such account with us.

Now first collection agencies still updating in the report that this is collection account however the balance is zero
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax after my dispute was done lowered my score XXXX POINTS!!! There was no changes made after the dispute was finished at all. They had no right or reason to completely ruin my credit. My score was XXXX as of XX/XX/2023 and as of XX/XX/2023 it was XXXX with no changes on my credit report except one good one as i paid down on my account. This is really WRONG.
Product: Debt collection

I.C.System Inc is a debt collector. As was the last two companies, this already paid debt to XXXX XXXX. What these companies are doing is passing along this false debt to the next company to see if they can collect. In the mean while, they put a negative strike on your credit report and after you've contacted XXXX XXXX, the debt collector and CFPB to get this removed. They pass this false claim onto the next debt collection company and the process begins over again. This has to be stopped, because it's not debt collection... it's a scam!!
Product: Credit reporting or other personal consumer reports

This is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedure in your operations to assure maximum possible accuracy in the credit reports you publish. 
Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original sign consumer contact, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent accounts. XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXXXXXX
Product: Checking or savings account

I received an email a few weeks ago congratulating me for opening a new TD bank checking account. I reported the email to their claims department and heard nothing back. I kept receiving emails about my new account, and I finally called TD bank when I did not get responses to my concerned emails. I spoke with TD banks fraud department and they told me I am a victim of identity theft and need to file a complaint because my social security number has been compromised. They said they would be closing all accounts on their end but now I am very concerned about my information being stolen or used.
Product: Mortgage

Mortgage loan has been resold a number of times especially since the 2008 financial melt down. Request was made numerous times to remove the homeowners insurance from the escrow. After having no response, telephone contact was made at which time the bank refused claiming that they purchased the noted with the insurance in escrow and it must remain in escrow for the life of mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my complain to XXXX XXXX XXXX. 
In my complain # XXXX you have told me that hard inquiry placed in my credit report was by XXXX XXXX XXXX XXXX. I recived a response from that company " XX/XX/2021 Consumer Financial Protection Bureau RE : Complaint No. XXXX | XXXX XXXX To Whom It May Concern, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX  ) is responding to the complaint filed by XXXX XXXX ( Prospective Borrower ). We have completed an internal record search and found no record that Mr. XXXX credit had ever been pulled. If MrXXXX XXXX can provide further information or documentation supporting XXXX  XXXX  XXXX  having pulled his credit, we encourage him to contact our Corporate Customer Service Team directly at XXXX, ext. XXXX for further assistance. Respectfully, Customer Service Management XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I have a cashapp account and collected hundreds of dollars between a private transaction. I have not been able to access the account due to a change of personal contact information. When you attempt to call. They redirect you to app.support. when you attempt to seek help on the app, they redirect you to phone. It's a perpetual state of a runaround. I need access to my funds and can not due to a simple change in a phone number. I have attempted to contact them and only receive a voice mail and magically no call. And it appears these are deceptive practices with no way to reset passwords or account information. I have been unable to communicate with anyone at cashapp. And further I have not received any funds. This is theft, consumer negligence and poor practices that must be regulated further.
Product: Debt collection

CREDIT COLLECTION SEND ME A LETTER IN REGARD OF A DEBT IVE NEVER DONE BUSINESS WITH THERM
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reinvestigated my credit report, I realized that some of the information was erroneous. The TransUnion XXXX XXXX credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the following ng account : XXXX XXXXXXXX XXXX XXXX  XXXX Balance {$5300.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment on the dates below : NELNET LNS XXXX 2019
Product: Credit reporting or other personal consumer reports

I am victim of identity theft due to equifax data breach and these accounts were opened fraudulently. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2020, I received a phone call from American Express business gold card offering me a credit card for my business, I was not interested but the agent convinced me that will be very beneficial to my company as far of credit line with no preset limit and travelling etc. She was very persistent in collecting my company and my personal information. On XX/XX/2020, I received a phone call from their approval department stated that they just need to ask me a couple question to complete my application and after a few minute on the phone they said that I was approved and they transfer me to a different department to determine my credit limit and the agent that I was connecting with told me that I was approve for {$5000.00} with no preset limit, that's mean if I made a purchase for over {$5000.00} it will automatically approved but I have to pay the difference in full on my next billing cycle, I was not satisfy because I was expected more and the fact I have to pay a {$290.00} membership fee upfront, but after a lot of convincing I accept. 4 months after I try to make a purchase for only {$2000.00} and it was declined, when I call American express they told me they information that I was given was wrong that I was only approved for a {$1000.00}. I am very disappointed to see how they're cheating customer to collect a {$290.00} fees, I have good credit and personal credit card for over {$5000.00} limit, there's no way I would agree to take a {$1000.00} credit line and pay almost {$300.00} upfront membership fee.. I called them and they keep transferring me to different departments, no one ever really help my case, the last supervisor I spoke to told me in 24 hrs someone will contact me and help solve my problem, it's been days and no one calls me back. I need help to get my money back.
Product: Credit card or prepaid card

Kohl 's Department store calling me at all hours of day and night with robo calls. When blocked or reported, they use a new number. They don't stop even when I called them and told them of the situation. They are relentless.
Product: Mortgage

I initiated a refinance with a cash out with Caliber Home loans XX/XX/XXXX. Everything went fairly smoothly until the third party title company, XXXX  XXXX, who Caliber selected to handle the paperwork, became involved. 

First, the paperwork was a mess. As part of this process, we were removing my ex-husband from the deed. He wasn't listed on the prior loan, or on the refinance, but he was still on the deed. When the notary showed up with the paperwork, instead of removing him from the deed, they listed him as a borrower and they had the closing costs listed incorrectly. I get it ... mistakes happen ... so we scheduled another appointment to sign the new paperwork. Except, it was still messed up. In total, the notary had to come three times ... my ex and I had to take time out of our day and try and coordinate our schedules ... it took in total 3.5 hours of our time just to deal with the paperwork with the notary. I am glad my ex and I are on good terms ... can you imagine how difficult that might have been if we weren't?! 

I received notification that the loan had closed and funded on XX/XX/XXXX a little after XXXX, and that the funds from the payout would be wired within 72 hours. I conservatively set the deadline for when I should see funds in my account at end of day on the XXXX, which was 3.5 business days, well over the 72 hours. At end of day Monday, the funds had not been transferred. I reached out to Caliber, and was notified they were looking into it. On Tuesday, I reached out again and was informed it was escalated it to management. 

It's now the XXXX. I spent 3.5 hours this morning trying to figure out what is going on and where my money is. XXXX XXXX told me it was a COVID-19 related delay at my County Recorders office, but that they had received a notice yesterday that it was recorded and I should receive the funds today. To confirm, I called my County Recorders office, who informed me that was not the case, the paperwork HAD NOT been recorded but rather had been rejected, and it wasn't in line for recording. At this point, I then called and talked to XXXX XXXX at XXXX XXXX, and I did a three way call with my County Recorders office. The guy at the recorder 's office let her know what is going on, and she was going to get in touch with the recording team to resolve. 

I have no idea when it will be resolved, however, in the meantime, I am paying interest on two loans, and I still don't have the $ XXXX in my account that should have been there two days ago. It appears everyone involved from Caliber to XXXX  XXXX is satisfied with sending me emails that they have " escalated to management '' and apologizing for the delay. 

IN CASE THIS IS TLDR ... I STILL DON'T HAVE $ XXXX IN MY ACCOUNT THAT SHOULD HAVE BEEN THERE TWO DAYS AGO!!
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




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

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

This was a debt originally with XXXX XXXX Bank in the amount of just over {$500.00} ; however, I lost my job during COVID-19 and was not able to make payments. I eventually got a job but with fewer hours and reduced pay - could not afford payments. I contacted XXXX XXXX Bank to notify them of my hardship but they were not helpful. Now, I see this on my credit report for an amount of over {$900.00} - which is FALSE. The last payment made on this XXXX  XXXX account was in 2020... it should not be this high!
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has a total of 6 medical debts under {$500.00} still reporting on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) {$55.00} ( This has been paid in full ). 
XXXX ) XXXX  XXXX ( XXXX XXXX XXXX XXXX XXXX ) {$120.00}. 
XXXX ) XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) {$120.00}. 
XXXX ) XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) {$65.00}. 
XXXX ) XXXX XXXX ( XXXX  XXXX XXXX XXXX XXXX XXXX ) {$87.00}. 
XXXX ) XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX  ) {$34.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

This was the cause of my information being stolen and used without me consent.
Product: Checking or savings account

CUSTOMER OWED ME MONEY FOR SERVICES SENT ME A XXXX. AFTER I RENDERED SERVICES THEY CALL TRUIST  AND SAID THAT THEY DID NOT KNOW ME AND STATED I FRAUD THEIR ACCOUNT ONLY FOR TRUIST  TO RETURNED THEM THEIR MONEY AND CLOSED MY ACCOUNT AFTER 24 YEARS WITH THIS BANK. I SPOKE TO MANY DIFFERENT CUSTOMER SERVICE REP AND XXXX DEPARTMENT THEY CLOSED MY ACCOUNT WITHOUT AN EXPLANATION OR ALLOWING ME TO PROVE THIS PERSON SIGN A CONTRACT WITH ME AND SHE SENT THE XXXX AND I HACE DOCUMENTATION. I HAVE CHECKES OUT ON THAT ACCOUNT AND MISC ITEMS COME OUT OF MY ACCOUNT THIS IS DEVASTING HOW TRUIST CAN CLOSED A ACCOUNT OVER LIES MINE YOU THIS PERSON HAS MY PRODUCTS. PLEASE HELP ME .I DONT WANT THAT ALLEGELY FRAUD STATUS ON MY ACCOUT WHEN I DID NOTHING.
Product: Credit card

Synchrony Bank 's failure to respond to my original complaint XXXX, submitted over a month ago, is not just disappointing- it's a failure to comply with their obligations. My account ending in XXXX was inaccurately reported as a charge-off, even though insurance or federal relief were likely collected. This delay only amplifies the damage done to my financial reputation. 

Synchrony Bank has had plenty of time to investigate and respond, yet they remain silent. This delay raises questions about the accuracy of their reporting and their handling of consumer complaints.
Product: Debt collection

XXXX XXXX XXXX is continuing to report 8 accounts onto my credit file that does not belong to me. I am a victim of identity theft and the accounts are a direct result of identity theft. I have never had any obligation or any contract that binds me to owe XXXX XXXX XXXX or any company that it represents. I have never received any communication from XXXX that informs me of these accounts that would have given me my right to dispute the validity of each account. 
XXXX in the amount of {$1300.00} XXXX in the amount of {$1700.00} XXXX in the amount of {$1700.00} XXXX in the amount of {$1300.00} XXXX in the amount of {$2000.00} XXXX in the amount of {$2000.00} XXXX in the amount of {$1400.00} XXXX XXXX XXXX in the amount of {$1600.00}
Product: Checking or savings account

TD Bank blatantly lied in my XXXX most recent complaints. XXXX and XXXX. They claimed " Fraud '' when in fact they were disputes. I submitted substantial evidence proving services were not rendered. The company I disputed against provided zero evidence and didn't even reply to my claims. TD Bank found in favor of actual scammers and refused to even contact me. They had no problem locking my XXXX year old account though with zero information given to me. This is so disgusting and abhorrent. Easily the worst service I've ever received in my life and now they're continuing to threaten me with collections but refuse to return my calls related to my disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX  has a hard inquiry on my Equifax credit report that needs to be immediately moved. The dates ar  e  XX/XX/XXXX , XX/XX/XXXX  and  XX/XX/XXXX .       I also want to have  XXXX  's hard inquiry from    XX/XX/XXXX  removed.
Us Department of Education from  XX/XX/XXXX  needs to be removed   as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report.EQUIFAX XXXX {$4000.00} XXXX XXXX XXXX {$5900.00} XXXX XXXX XXXX {$460.00} XXXX XXXX XXXX {$260.00} XXXX XXXX XXXX {$6500.00} XXXX XXXX {$500.00} XXXX   XXXX {$13000.00}
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXXXXXX XXXX XXXX Bankruptcy Discharged Reference # : XXXX Date Filed/Reported XX/XX/XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$350.00} XXXX XXXX XXXX XXXX Balance Owed : {$390.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX  XXXX Balance Owed : {$12000.00} XXXXXXXX XXXX XXXX XXXX Balance Owed : {$0.00} 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: Credit reporting, credit repair services, or other personal consumer reports

This is my third time disputing fraudulent accounts on my credit report. There are several errors and fraudulent accounts that I have no contracts with these companies. I do not recall doing business or applying for accounts with the following : -XXXX XXXX XXXX XXXX # XXXX -CONVERGENT OUTSOURCING # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I sent a paper form request to all three credit bureaus for my annual free credit reports. On XX/XX/XXXX XXXX complied. I sent another paper form request on XX/XX/XXXX for my Equifax and XXXX XXXX credit reports. On XX/XX/XXXX XXXX XXXX complied. Note In XXXX I had the same issue with Equifax and had to file a complaint to get my free report. However, in XXXX all three credit reports came without no roadblocks after I sent in a paper form request for all three credit reports, go figure. Now I am stuck in the same rut with Equifax skullduggery tactics. 
During my constant dealings with Equifax, I received XXXX letters from them with the same subject matter requesting identification information. I complied with letters dated XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX respectfully. I sent them copy of my drivers license, current house bills with my name/address and a copy of my social security card. In addition, I have filed complaints with the XXXX XXXX XXXX to no avail and CFPB. 
I would like for Equifax to follow the federal law and provide me with my free credit report and quit stonewalling me for no reason except to harass. My opinion is that those responsible for this debacle should be brought up before the U.S. Senate Committee of the Judiciary to explain their actions.