23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

The credit reporting agencies are in complete control of our personal business lives, yet they have no accountability, no customer service, etc. Esperian is the worst of XXXX. I try to get them to update my report and I talk to someone in XXXX. This economy is based upon consumerism. It should be easier to update credit reports! 

Thank you, XXXX XXXX
Product: Debt collection

XXXX XXXX XXXXVelocity Investments violated my privacy rights with aggravated identity theft. I have made multiple attempts with disputes and certified mail to have these violations resolved including a cease to desist to CKS Prime Investments after Ive stated the alleged debt is not mine. They were not allowed to sell an alleged debt on a cease to desist! This is considered harassment from XXXX XXXX XXXXVelocity Investments and CKS Prime Investments . Per 15 USC 1692d ( 3 ), can not advertise debts to coerce me into paying them. {$20000.00} ( {$10000.00} from each collection agency ) is due for the damages of each violation applied. VIOLATIONS : - 15 USC 1692g - 15 USC 1681a ( 2 ) ( A ) ( i ) - 15 USC 1681b ( a ) ( 2 ) - 15 USC 1681n - 15 USC 1681o - 15 USC 6802 - 18 USC 894 - 15 USC 1692d ( 3 ) - 15 USC 1692d ( 4 ) - 15 USC 1693I I am seeking {$16000.00} in damages due to the MULTIPLE violations that CKS Prime Investments and XXXX XXXX XXXXVelocity Investments has acted on. This has triggered pain and suffering by emotional distress, risking my livelihood, mental health, and physical health. As stated above, CKS Prime Investments and XXXX XXXX XXXXVelocity Investments has violated me with aggravated identity theft. I can not be forced to waive my rights as a condition of 15 USC 1693I. I have the right to opt out of non-affiliated third-party reporting. CKS Prime Investments and XXXX XXXX XXXXVelocity Investments must disclose my right to opt-out and has committed fraud, which has no statute of limitations.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$350.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I sent this company a letter on XX/XX/2021 opted out of sharing any negative reporting on my account I XXXX XXXX XXXX XXXX per FCRA as a federal protected Consumer social security number ending in XXXX out of any and all authorization I have given you sharing any negative personal consumer informationgiven in any previous agreements written, verbally or otherwise : for perpetuity it is illegal to report transaction history 16 CFR 313.7 - Form of opt out notice to consumers ; opt out methods.
Product: Credit reporting or other personal consumer reports

I am filing this formal complaint to request immediate enforcement action against Equifax, Experian, and TransUnion for their ongoing violations of federal and state laws concerning fraudulent accounts, unauthorized inquiries, and incorrect addresses on my credit reports. Despite multiple formal disputes exceeding the legally mandated 30-day investigation period under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, these issues remain unresolved. 

The following violations have been committed by Equifax, Experian, and TransUnion : Failure to Notify : Creditors did not provide written notification within five days as required under 15 U.S.C. 1692g, rendering the reported accounts illegitimate.

Failure to Ensure Accuracy : Credit bureaus violated FCRA 607 ( b ) by reporting discrepancies in balances, credit limits, opening dates, and payment histories across bureaus.

Failure to Investigate : Violation of FCRA 611 ( a ) ( 1 ) ( A ) by failing to complete investigations within the mandated 30-day timeframe.

Failure to Reinvestigate : Noncompliance with FCRA 611 ( a ) ( 6 ) for not adequately reinvestigating disputed resolutions.

Failure to Protect Personal Information : Breach of the Gramm-Leach-Bliley Act ( 15 U.S.C. 6801-6809 ) concerning safeguarding personal data.

Ignoring Identity Theft Protections : Breach of the Identity Theft and Assumption Deterrence Act ( 18 U.S.C. 1028 ), criminalizing identity theft and unauthorized account creation.

Failure to Provide Identity Theft Resources : Neglecting FTC guidelines ( 15 U.S.C. 1681g ( e ) ) mandating support and fraud alerts for identity theft victims.

Violation of Nevada State Law : Violations of Nevada Revised Statutes ( NRS ) XXXX, making identity theft a criminal offense. 

The following fraudulent accounts and inquiries must be immediately removed and blocked from my credit reports : Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Others as applicable Incorrect Address XXXX XXXX XXXX XXXX, ( This address is fraudulent and not associated with me. ) Immediate Actions Demanded : Enforce Equifax, Experian, and TransUnion to immediately remove and permanently block the fraudulent accounts, unauthorized inquiries, and incorrect addresses. 

Provide written confirmation of the removal and blockage of these inaccuracies. 

Mandate a thorough investigation by the bureaus into how these inaccuracies and fraudulent entries occurred, providing me detailed written findings. 

Ensure bureaus implement stringent measures to prevent future occurrences and comply strictly with federal and state regulations. 

Supporting documentation, including government-issued identification, Social Security card , police reports, and proof of address, have been provided to each bureau.

Thank you for your immediate attention and enforcement action on this critical matter. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 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 I looked at my Equifax credit report and noticed some things are incomplete and not accurate . And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

Our mortgage with Land Home Financial Services has been in forbearance/loss mitigation since XX/XX/XXXX due to hardships caused by the COVID-19 pandemic. On XX/XX/XXXX we applied for the XXXX XXXX program and were approved for the government assistance funding on XX/XX/XXXX. Since that date the XXXX program has tried reaching out to Land Home Financial Services by sending them requests for information on three separate dates. From what I was told from XXXX  those dates are XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. They also tried sending out an email on XX/XX/XXXX in hopes of getting in contact with someone. XXXX has not heard back from XXXX XXXX XXXX  from any of these attempts. XXXX is simply requesting the information and documentation they need in order to be able to transfer the funds we were approved for in order for us to get out of loss mitigation and back to current with our account. We have made XXXX XXXX aware on multiple occasions that we will not be signing any modification paperwork because if we do we are not longer eligible for this assistance that we are already approved for and very much need. We have been in constant contact with the XXXX program as well as call the Loss Mitigation department at XXXX XXXX. However, every time I reach out to find out why they have not yet responded to the requests I am given a different answer. The most recent two times I've spoke with them they have told me that they have no record of us being approved for XXXX or that XXXX has tried reaching out to them. However, all phone calls previous to this I was told something different. At one point I was told they were just short staffed and will get to it when they can. I spoke to XXXX XXXX on Friday, XX/XX/XXXX and asked them to speak with a supervisor. They informed me they were unable to transfer me to a supervisor and the only way to speak with one was to have them call me back within 3 business days. I told them that my next step was to submit a complaint to the Consumer Financial Protection Bureau if I did not hear back as I have not many times before. It has now been 4 business days since being told I would hear back from a supervisor and have yet again not heard anything. I feel as though we are being lied to and that Land Home Financial Services is trying to have some sort of financial gain from our hardship or choosing not to respond to these attempts at funds being offered to them in hopes that we will give up and they can either foreclose OUR home or make money off of interest in a modification. These are all unacceptable.
Product: Credit reporting or other personal consumer reports

My Rights have been violated. XXXX refused to correct the issue after multiple attempts. INPROPER USE OF MY CREDIT REPORT. This Creditor has violated my rights per 15 U.S.C. 1681 section 602, 15 U.S.C 1681 section 604 and Under 15 U.S.C 1666B.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a lease with XXXX from XXXX XXXX XX/XX/2021 and completed the terms of the lease full ( attached you will find a paid in full email sent to me from XXXX XXXX XXXX XXXX. XXXX then disabled my autopay and ability to make payments as the terms of the lease were met in full. I then signed a contract for a lease extension from XXXX XXXX XX/XX/2021 ( attached you will find the lease extension contract effective XX/XX/2021 ). XXXX XXXX XXXX claims that they sent me various letters on XX/XX/2021, XX/XX/2021, and XX/XX/2021 asking me to return my lease vehicle ( these are all letters that I never received and I would like PROOF that these letters were actually mailed or emailed and not sitting in their database ). It makes no sense that XXXX would send me letters to return a lease vehicle after having a signed lease extension on XXXX this means that XXXX broke their contractual agreement and incorrectly documented that they sent me notices to return my vehicle based on the old contact and not the new one. 

XXXX also reported that they spoke to me on the phone on XX/XX/2021 asking me to return the vehicle which is untrue ( I would like a transcript of the call ). I actually called XXXX ( they did not call me when we spoke ) asking why my payments are being blocked for my new lease extension agreement through XX/XX/2021. On that phone call XXXX indicated that they had a delay in processing my lease extension contract and it was THEIR fault that my payment is not going through for the lease extension. XXXX informed me that they would escalate in order to process the lease extension paperwork since it was their mistake. 

XXXX then wrongly repossessed the vehicle that I was contractually entitled to have until XX/XX/2021 and additionally unfairly reported this information on all 3 credit bureaus even though the paperwork processing mistake was THEIRS and not mine. XXXX has since reported it as a charge off for {$190.00} which is the cost of the wrongful repossession and not the cost of any car payment I missed. 

I have disputed this several times for over a year over the phone and in writing. This unfair credit reporting has cost me {>= $1,000,000} in lost mortgage loans, car loans and business loans due to the impact this has caused my credit score. If my credit report is not made clean by XXXX I will be pursuing legal action and enforcing my rights under consumer law.
Product: Credit reporting or other personal consumer reports

Filed a FTC complaint for unauthorized Hard inquiries on my report. Experian allowed inquiries that were not initiated by myself, the consumer. Please see Attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, there is several incorrect information seen written in my Credit Report and is clearly a violation of the Fair Credit Reporting Act, 15 USC Sections 1681i, which state that reporting unverified information without any proof provided within the time allowed by law is not authorized. The inquiries listed are inaccurate and needs to get deleted immediately : XXXX XXXXE XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXX MOR XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX BANK XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. Date : XX/XX/XXXX Furnisher : XXXX XXXX XXXX  Date : XX/XX/XXXX Furnisher : XXXX XXXX XXXX Date : XX/XX/XXXX Furnisher : XXXX Date : XX/XX/XXXX Furnisher : XXXX XXXX Date : XX/XX/XXXX Furnisher : An XXXX XXXX XXXX # XXXX Date : XX/XX/XXXX Furnisher : XXXX XXXX Date : XX/XX/XXXX Furnisher : XXXX XXXX XXXX Date : XX/XX/XXXX Furnisher : XXXX XXXX XXXX Date : XX/XX/XXXX Furnisher : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Furnisher : XXXX XXXX Date : XX/XX/XXXX Furnisher : XXXX XXXX Date : XX/XX/XXXX Furnisher : XXXX XXXX XXXX XXXX XXXX. Date : XX/XX/XXXX XXXX : XXXX XXXX XXXX. Date : XX/XX/XXXX Furnisher : XXXX XXXX XXXX Date : XX/XX/XXXX Furnisher : XXXX XXXX XXXX Date : XX/XX/XXXX Furnisher : XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Furnisher : XXXX XXXX XXXX Date : XX/XX/XXXX Furnisher : XXXX  XXXX XXXX XXXX : XX/XX/XXXX Furnisher : XXXX XXXX XXXX
Product: Debt or credit management

XXXX XXXX XXXX. Uniform borrower assistant form and 2. IRS 4506 -T request of tax return filed XX/XX/XXXX for amount of XXXX XXXX XXXX and occupancy certification second lien modification program. 
On XX/XX/XXXX filed loan transfer to XXXX XXXX XXXX XXXX authorization form for the XXXX. 
The company didnt prepare lien release letter in title or name of authorize payor or municipal clerk filing. 
False claims Issues of the prepared release lien letter to an unauthorized person or party for municipal clerk filing on XX/XX/XXXX.
Product: Credit card

Today I called Citibank customer service regarding Best Buy credit card statement with a balance of {$13000.00}. and a fee of {$670.00} and required minimum payment of {$810.00}. I paid {$13000.00}. for heating/cooling system with a check that was mailed to me with 0 % transfer fee on the side of the check. Before I paid for this unit, I called the bank and asked for a credit increase, I was given the right to increase the balance. The person on the phone did not explain what kind of fees would be associated, as it was 0 %. I was surprised to see a fee associated with the check that I paid with and called the customer service line XXXX. I spoke with multiple people. The following are the representatives who provided me their names XXXX XXXX. I explained to her that I requested a fee waiver as no one explained to me that there would be a fee associated with this check, or if there was a fee what it would be if I paid {$13000.00}. The person said she was unable to assist me, she would provide feedback to someone. Also, she told me I did not have to pay {$810.00}. a month, that I could pay {$140.00}. a month. I asked her for something in writing about that as this was not in the statement. She explained that as I went over {$13000.00} I had to pay {$810.00}, but as I talked to her about it I did not have to pay that amount, I could just pay {$140.00}. a month. I explained to her that no one informed me that if I go over {$13000.00}. I had to pay more than minimum amount monthly. I asked to speak with a manager, she transferred me to XXXX ID XXXX. She was already aware of the issue with the fee, my request for fee waiver and the monthly payment issue. I explained that I was not informed of the fees and that I expected to have the fee reversed. I explained that this if fraud and that I needed to speak with a manager. She transferred me to a person who said he is XXXX, he is probably the same person I spoke to the same evening who disconnected the call. XXXX said his Team ID is XXXX. I asked him again why the fee was not being waived. He said " That is a great question. '' I asked him to explain why he was unable to resolve the issue and why he was being condescending. He said that I was being unprofessional then he disconnected the call. I have a picture of the check, on the front there is absolutely nothing written about a percentage that has to be paid. The portion that was torn off the check has a XXXX percent on the front of the check. The company should not mislead customers to believe that there is no balance transfer fee or 0 % when on my bill there is a fee.
Product: Mortgage

I am paying additional principal each month on my mortgage w/ Wells Fargo Home Mortgage and have been for years. Now that COVID is happening they are not applying my additional principal towards my mortgage as I have requested each month, paying over XXXX additional, and they are just putting it in an unapplied funds limbo. They will not fix it and will not call me back. They removed the option online as well to pay additional principal so each month you have to call in the payment. They have hung up on me when I have called and have been no help or the phone goes dead and no one calls me back. I have been treated very rudely also and I need help. I pay my bills on time and this is terrible business. Something sketchy seems to be going on and I'm frustrated trying to get my principal down and the company is doing this to me. Please help!
Product: Mortgage

Due to a COVID hardship, I requested a deferment on my mortgage. This began XXXX of XXXX. I was notified by XXXX XXXX XXXX Dovenmuele Mortgage XXXX XXXX of XXXX that my deferment had expired and I needed to begin making payments. Which I did at the end of XX/XX/XXXX. They stated that once I made three payments in a row, they would send me a partial claim packet that I would need to fill out, have notarized, and once they received my packet, they would reinstatement my loan. They stated that HUD would pay half of my arrears and the remainder would be added to the end of my loan. 
I expected this packet in XXXX of XXXX but it has yet to come. Since then, Ive been in constant contact with XXXX XXXX XXXXDovenmuehle XXXX asking for the status of my reinstatement/ partial claim packet and I can not seem to get a straight answer. I keep getting different responses such as, I do see you are approved for a partial claim, you should be getting a packet anytime. And I dont see anything in my system. I will escalate your case to management and someone will get back to you. I am now calling everyday and no one is helping me. Ive been in touch with FHA for help and they mentioned they are going to investigate the matter but they were told that the packet has been sent to me, so FHA closed my complaint. Still no packet has arrived and its been a month and a half now since my contact with FHA. 

I am getting certified letters from The Wolf Firm notifying me that I am now in foreclosure even though I have been making my payments since XXXX of XXXX. I can not even get a straight answer as to where my XXXX payments are being applied and where the money actually is. Some XXXX XXXX agents have told me that I am 26 months behind but its been 28 months currently since my deferment started but it has not been 26 months that I have not made a payment. 

Recently, an agent finally provided me with an email for Loss Mitigation so Ive been emailing my requests to them to no avail. I have never received a response. 

Im getting letters, occasionally from Right start ( duplicates ) on the same exact day or letters that are dated months ago and Im just now getting them.

I am getting harassed by tele-marketers wanting to capitalize on my foreclosure. They are even contacting my kids and family using scare tactics. I am not sleeping, I am stressed and sick. 
I cant even focus on my work. 

I need someone to help me please. I am doing everything I can to remedy this situation and I have been making payments. I will be homeless soon if this doesnt get situated. I am not running away or hiding. Ive been facing this and have been taking days off from work to be on the phone for days at a time and it shouldnt have to be this way. I would greatly appreciate your help. 
Thank you,
Product: Money transfer, virtual currency, or money service

Paypal Transaction XXXX I made a purchase and tried to use a balance that has been sitting in my Paypal account for almost a year. Instead Paypal billed my credit card for the purchase amount and continued to hold the money in my Paypal account hostage, The purchase was for about XXXX dollars and the paypal account is {$39.00}. Threy have had a multitude of excuses why they need to hold my money hostage. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Attempted to obtain SECURED credit card to establish credit. 
Applied for card which requires {$300.00} deposit to obtain card. 

I was declined the card because : " Your debt to income ratio exceeds established maximum guidelines ''. 

With a SECURED card my income to my understanding should not come into this at all. 

I have student loans which are in deferment and HAD an outstanding cable bill of {$110.00} which I resolved XXXX 2020. 

I called the company ELAN FINANCIAL SERVS. asking for reconsideration and was refused. The individual I spoke with would not clarify why I was refused. 

The letter I received from them dated, XXXX/XXXX/2020 has a reference # XXXX.