23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX SSN : XXXX DOB : XX/XX/XXXX Dear CFPB, I hope this letter finds you in good health and high spirits. I am writing to formally dispute several entries on my credit report and kindly request your assistance in enforcing my legal rights as a consumer. The following accounts, listed with their respective creditors, have had a profound and detrimental impact on my life : XXXX : Account number : XXXX XXXX XXXXXXXX : Account number : XXXX XXXX XXXXXXXX : Account number : XXXX XXXX  : Account number : XXXX XXXX XXXX XXXX  | XX/XX/XXXX XXXXXXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX : Account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These entries on my credit report have had a devastating impact on my life. I'd like to share with you a personal story that illustrates the emotional toll this situation has taken : Several years ago, my family and I experienced unexpected financial difficulties due to a medical emergency. As a result, we struggled to make ends meet and fell behind on some of our financial obligations, including those listed above. While we worked tirelessly to resolve these issues and eventually succeeded in getting our finances back on track, the lingering effects of these accounts on my credit report continue to haunt us. 

Despite our efforts to rectify our financial situation, these accounts remain unverified, inaccurate, and unfairly represent our financial history. This has made it nearly impossible for us to secure affordable housing, obtain loans, or pursue opportunities that require a favorable credit standing. The weight of these unjustly reported accounts has caused immense stress, anxiety, and feelings of helplessness for my family and me. 

In light of the violations I believe have occurred, I kindly request your assistance in enforcing my legal rights under the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws. Specifically, I request that the respective creditors remove these unverified accounts from my credit report, as they have failed to provide accurate and verifiable information. 

I understand the importance of accurate credit reporting and its impact on the financial well-being of consumers. I am committed to resolving this matter in a fair and equitable manner and am grateful for the Consumer Financial Protection Bureau 's support in ensuring that my rights as a consumer are upheld. 

Please feel free to contact me at [ Your Phone Number ] or [ Your Email Address ] if you require any additional information or documentation related to this dispute. I appreciate your attention to this matter and look forward to a swift resolution. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX XXXX
Product: Mortgage

Hello, Reference complaint XXXX which has been responded to but the company ( NewRez LLC - XXXX XXXX XXXX XXXX ) has not done what it said it did. 

I am owed a refund of {$420.00} for an appraisal fee. The company ( NewRez LLC - XXXX XXXX XXXX XXXX ) states that a refund of {$420.00} was sent to my original charged credit card on XX/XX/2023. 

I contacted my bank ( XXXX XXXX XXXX XXXX XXXX XXXX ) which has no record of the transaction. ( NewRez LLC XXXX XXXX XXXX XXXX XXXX ) claims. While they provided a copy of a credit voucher receipt which I provided to my bank. As stated XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  can find no record of that transaction. 
This leads to the possibility of one of two conclusions : 1. ) NewRez LLC is claiming a transaction and has provided a receipt either in error or on purpose to support the claim of a refund that did not occur.

2. ) The refund in question was sent to another account by mistake.

I contacted NewRez LLC after having provided the receipt to my bank and my bank stating they could not find that transaction.

I asked via email that NewRez LL ( Customer Advocacy ) to verify the supposed credit voucher was sent to the correct account.

I have received no reply from NewRez LLC over that request. I can only conclude that NewRez LLC believes they don't have to respond. 

That is why i am filing this updated complaint to the original one ( XXXX ). 

As before I can not count on NewRez LLC to respond in good faith unless a complaint is filed with CFPB.
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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. Or 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.
Product: Checking or savings account

I had a disputed item on my checking account. It had been in dispute for some time. I thought it had been resolved. I closed my checking acct due to many issues with 5/3 bank. I received a letter dated XX/XX/year> on XXXX stating that they had denied the dispute and had removed the temp credit on my acct. The issue is the they didn't take the amount out my my acct XXXX in which I would have gone in and straighten it out. They took the money out of my daughters acct putting her in over draft. It was like they just picked one of my XXXX XXXX acct and just pulled the money out. 
I would think that this is illegal. The dispute wasn't on that acct. How can they just pick a different acct that isn't mine to pull the disputed amount out of. The dispute is with me and mine acct not my daughter. Can you please help me? 
This bank has done so many things wrong and this is just the straw that has broken this camels back!! I talked to XXXX at the XXXX XXXX, XXXX at the XXXX branch and XXXX at the XXXX branch on the XXXX of XXXX. When I called the XXXXXXXX XXXX on the letter. The dispute number is XXXX she told me she was unable to fix it to call a branch. 
When I called the branches they told me only the XXXXXXXX XXXX dispute number could fix it. So one area pushes off on the other and no one wanted to help me.
Product: Credit reporting

I did not pay my tax on time to the New York State, then I received a letter from the county clerk and paid it the same day to State by phone. I just found out on my credit report as negative against on two occasions. Why should these be on my record?
Product: Debt collection

Saturday XX/XX/XXXX, I vacated my former apartment at XXXX XXXX XXXX XXXX XXXX. After vacating and dropping the keys, I verified the status of the apartment was correct and asked to be a part of the apartment survey tour, all was mentioned to be in order. 

On XX/XX/XXXX I received a notice from Genesis Debt Recovery  for {$210.00} USD outstanding debts to XXXX XXXX, a XXXX XXXX. I attempted to contact XXXX but was provided no explanation of the charges I was being held accountable for. The collection agency did not provide an explanation either. 

On XX/XX/XXXX I reached out to XXXX XXXX for a clarification of the charges and a statement was sent, but no explanation of the charges was offered. 

I have not paid the collection for I was never given an explanation of what I was being charged for, I was never contacted by XXXX XXXX by either mail, email of phone about this charged. When I went physically to XXXX XXXX to ask for an explanation in XX/XX/XXXX I was shown out of office and referred to their accounts payable department, I reached out without succes in speaking to a representative. I have never been provided an explanation of the debt. In my view this is a violation of the fair credit reporting act that is damaging my financial credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/2018 I was reviewing my Wells Fargo credit card account to make an additional payment besides the one that is automatically withdrawn from my checking account and noticed that my limit had been changed from {$11000.00} to {$7000.00} without notification. I finally received the notification 7 days later in the mail. I telephoned them to inquire why this had happened. I was told that Wells Fargo reviews their customers credit worthiness periodically. What I did not know was that they were all over my credit report not just their account my whole entire credit history. I feel that this is not fair. Wells Fargo should only be looking at the way I pay my Wells Fargo accounts. I have never been late, I have paid off my line of credit and credit card several times however, at this time I can only pay the minimum payments due to financial hardship although I am never late. The main reason for my frustration is that their decision has a negative affect on my credit score. I believe that it is unfair to review my credit history from other lenders Wells Fargo should only be concerned about how I repay them. Additionally, I never had a problem with Wells Fargo correctly regarding my payments to the credit reporting agencies I have a problem with them reducing my limit based on my overall history.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of dispute information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issue such as failing to forward consumer-provided evidences to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Mortgage

In XX/XX/XXXXof last year I was offered a FHA HAMP 3 month trial starting XX/XX/XXXX. I signed the trail agreement and paid every month. I was told over the phone XX/XX/XXXX that I was approved for the permanent modification and that the paperwork was backlogged and to continue making payments, which I have every month. 

The only written communication I've received from them until today, besides monthly statements, was just two days ago, a notice that I did not qualify for the repayment plan. Today I received a notice of trustee sale with an auction date. I called the company immediately and was told there was nothing they could do as the file had already been given to the lawyer. 

They contend that they attempted to contact me via phone. Though I've given them the correct phone number several times this year they apparently called my wife 's phone number, which was no longer in service after XX/XX/XXXX due to changing providers. They never requested additional information from me in writing, either by mail or via email, which they had always done in the past. They did not notify me in writing that I did not qualify for the the permeant HAMP modification. 

Further, they close at XXXX in my time zone, with hold times over 45 minutes. They do not call back when I'm disconnected. I've been trying to get through to them for the past three days and it's very difficult since they're only open on my work days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just reviewed a copy of my credit report and there are some hard inquiries that I dont recognize. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I submitted a claim that a fraudulent Best Buy Citi Bank credit card was opened up in my name and used to make {$1800.00} in purchases at the Best Buy location in XXXX XXXXXXXX XXXX. The card was opened in-person on XX/XX/XXXX and purchase were made at XXXXXXXX XXXX and XXXXXXXX XXXX that day. The account was reported as fraudulent as soon as I noticed the activity on XX/XX/XXXX. I immediately called the security operations department at Citi Bank and spoke with XXXX. She conducted an interview and started an investigation and opened a case. Also on XX/XX/XXXX I filed a police report with the police and their investigation is still ongoing. I informed the Security Operations team of the Police Report Number immediately. I called again on XX/XX/XXXX and spoke to XXXX in regards to a notice I received in the mail stating the investigation had concluded and I was still liable for the charges. The investigation was still ongoing and I was instructed to mail in a scanned copy of my license, which I sent in and was received on XX/XX/XXXX. I called again on XX/XX/XXXX around XXXXXXXX XXXX and spoke with XXXX who informed me this was not enough information to overturn the investigation. This time I mailed in a signed letter from my boss stating that I was at work until XXXX XXXX on XXXX, XX/XX/XXXX ( proving I was at work during the time the purchases were made ). The receipts of the in-store purchases were provided to the police when the police report was filed. I stopped into BestBuy today on XX/XX/XXXX since the police have yet to act on my case, and the in-store security footage is gone, and I was about 2 weeks too late. When I filed the police report I was reassured the police would check the cameras, but nothing was done while the footage was still available. I am frustrated and do not want to be held liable for almost {$2000.00} of purchase that I did not make.
Product: Student loan

I have a subsidized student loan account with XXXX XXXX from my XXXX degree at XXXX University. I have been continuously enrolled in graduate school at XXXX University since XXXX  meaning that this loan account is supposed to stay in deferment. However, this past XXXX, XXXX  XXXX claimed that I could not be found on the XXXX XXXX XXXX and removed my account from deferment and started charging interest. I have submitted enrollment verification to them and called them multiple times to resolve this issue. They tell me every time that my enrollment has been verified, but that it will take 2 weeks to process, for my loan to be placed back into deferment and for the interest charges to be removed. This has been going on now for 3 months, and no action has been taken. My loans are still listed as out of deferment and interest keeps accruing, and now they are reporting it as an open account on my credit report.
Product: Payday loan, title loan, or personal loan

On XXXX XXXX I paid off my previous pay day loan and immediately set up a new payday loan with her for me to pay this new loan on XXXX XXXX. I convinced her the timing was ok ( she says I can not do it for longer then 30 days ) which is fine with me. 

But this is 1 of 6 pay day loans I have ( 3 locally & 3 online ). I have been messed up since XX/XX/XXXX ( maybe it was XXXX? ) Last week I had learned previously that if you do these loans too often there is a way to get out of it. So I asked 2 of my 3 local loaners how I could do that. XXXX, the manager at XXXX XXXX XXXX in XXXX XXXX in XXXX XXXX Calif.. XXXX now will set me up to pay {$75.00} for months in a row when I go in next week on XX/XX/XXXX th to pay. XXXX told me be sure I to come in that day when my loan is due and tell the employee I want to do the $ XXXX month for 5 months. 

XXXX has always been a pleasure to work with. 

Then I called the 2 nd one of the 3 local companys. Same process I will do there. 

Then I called the manager ( only one employee ) at the 3rd local company Check Cashing & Loans at XXXX XXXX XXXX in XXXX XXXX. I have been dealing with her for probably 20 years of pay day loans. I am sure she knew what I was asking for ( the same deal - 4 payments of XXXX for 4 months in a row. She said something like We dont do that. Then I hung up. She is wrong & I know that. 

Respectfully submitted, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX Cell phone : XXXX-XXXX-XXXX Ps : Somewhere in all my papers I have my copy of the documents. 
But she knows me.
Product: Checking or savings account

I received an email on XX/XX/2023 that an account was opened under my name with my social security with XXXX XXXX XXXXXXXX. I called them the same day ask received the email and they closed the account for me, they informed that the account was closed and they I should call up to the 3 credit bureaus to let them know. I did receive another email that they tried again the next day ( XXXX XXXX XXXX ) but it didn't go further than that. 

THEN, I received an email on XX/XX/2023, that someone had opened an account under Capital One. I called them, I informed them about an account that was opened using my security information, including legal name XXXX street address, email, and social security number. They verbally told me the account was closed, that it would take up to 3 months to fully close the account.
Product: Bank account or service

On XX/XX/2016, I began receiving email correspondence that my chase account email had changed. Shortly, after I received text messages of improper transactions on my account as I have my alerts set if amounts over {$120.00} are deducted. I immediately contacted Chase Bank to report the fraud while I was at work. I spoke to a representative who informed me that the account would be blocked, but also stated " Chase is severing their relationship with me and I would receive the balance of the account in the mail in 10 business days. '' I informed the rep that I was the victim of fraud and now the bank is re-victimizing me and I can no longer bank with Chase. As I was at work I concluded the call and contacted Chase again that evening in disbelief. A second rep took my fraud information and reiterated the same. Perplexed, I visited my local bank branch on XX/XX/2016 to speak to a representative, showed him the email and text. The bank rep assured me and showed me on his scree that the fraudulent charges did not go through. When I told him of my conversation over the phone, he thought that was incorrect and contact the customer service phone number. He was told the same thing that the relationship has been severed and I would receive the balance of {$640.00} from the account in 10 days. He had not rationale and was unable to provide any additional options. Although I was upset that I was essentially being kicked out of the bank because I was victimized, I accepted that I would receive balance and would bank with another entity. On XX/XX/XXXX, I received a check for {$71.00} ( of which I have not cashed ) which is the balance after the fraudulent charges of {$570.00} were processed. I contact Chase bank who informed me that I never contacted them or filed a claim. The rep stated I needed to prove that I do n't have affiliation with the entities for which the fraudulent charges were processed. I explained this is my household account of which only mortgage, utilities, etc are all processed via ach only come out of this account and has for years. Upon review of the account, the rep can see the same XXXX-XXXX repetitive charges ( water, electricity, etc ) each month. The fraudulent charges should stick out as an anomaly. After much discord, the rep finally stated he would fax the claim forms. I received them by mail twos week ago. I attempted to go back to the local branch to submit the forms. It has since been temporarily closed. I faxed the claim forms on XX/XX/2016. As of XX/XX/2016, I am stuck with a XXXX checked after being mistreated and having to find a new bank. This is not the way a bank should treat its customers.
Product: Debt collection

TILA rescission has occurred on XX/XX/2017 and the encumbrance was eliminated and the debt was converted from one arising from a promissory note to one arising from a statute 15 use 1635. The debt then became subject to the statute of limitations for claims under TILA because the debt now arises under TILA. 
Since XXXX has acknowledged in court and acquiesced to the TILA Rescission and the statute has run the debt is barred. Ignoring the TILA Rescission is warping the value of the bankruptcy estate as well as allowing secured status to unsecured creditors.

The effect on the XXXX  estate by virtue of 15 USC 1635 is that the original loan contract has been replaced by operation of law with a statutorily imposed new agreement, the terms of which are spelled out in the statute.

This means that per the statute and REG Z, which must be read along with the statute, the note has been replaced by a new obligation and the mortgage has been eliminated by the express wording o f the statute " by operation o f law. '' The obligation to repay continues as an enforceable liability provided that the claimant satisfies the conditions precedent set forth in the statute, but that obligation is no longer secured for the express purposes o f allowing the borrower to seek new financing from which the obligation could be repaid. 

The parties claiming to be owners of the debt or claiming to be representatives o f the owner o f the debt failed to comply with their obligations under the new agreement. Hence any right to enforce the obligation became inchoate. That failure by the claimant was not in any way caused by the borrower. 
The obligation arises not from the original loan agreement anymore but from the statutorily imposed obligation that replaced the original loan agreement. The statute is part of the Federal Truth in Lending Act ( TILA ). Claims under TILA are barred by the statute of limitations contained within that act. 
Hence the obligation is wrongfully treated as secured when it had been converted to unsecured obligation by the statute, and the obligation itself is now barred by the statute of limitations. 
The effect on the bankruptcy estate is obvious any claimants under the original loan agreement are moved from secured to unsecured and, since they no longer have the benefit o f the written instruments ( the void note and mortgage ) they must establish their claim by filing a proof of claim in which they establish ownership of the obligation and thereby establish that the they hold the risk of pecuniary loss, without whic
Product: Mortgage

when pendemic hit us, i ask for forbearence, they gave me forbearance fro 12 months, now they are asking for all money at once, i ask them for repayment plan, they dont want to do that, they say you only can stay behind three months to get repayment plan.otherwise they will seek for forclosure, in fact they are asking all there moneyback by XX/XX/2021.
Product: Credit reporting, credit repair services, or other personal consumer reports

Purchased 2 vehicles over time from same company. XX/XX/XXXX was the first, monthly payments made until XX/XX/XXXX when I traded to another vehicle with same company. Continued with new loan thru XXXX with same financial company ( XXXX ). When I was at my bank for loan they told me I had no history of any loans in the past. I called car dealership and they referred me to their financial company who handles their loans. I contacted them and I get the run around and no answers.