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

Date : XXXX Dear Sir/Madam I am writing to formally request that a security freeze be placed on my credit file, effective immediately, pursuant to Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ).

1. Restriction on Disclosure of Information ( Section 604 of the FCRA, 15 U.S.C. 1681b ) Pursuant to Section 604 of the FCRA, I demand that no disclosure of my personal information, including consumer reports, be made to any person, organization, or entity that is not legally authorized to receive such information or that does not have my explicit consent.

2. Right to Privacy ( Section 609 of the FCRA, 15 U.S.C. 1681g ) In accordance with Section 609 of the FCRA, I request written confirmation that my personal information, including any medical or insurance information, will not be disclosed to third parties without my prior consent, except as strictly required by law. This confirmation should detail the measures taken to protect my information in accordance with legal requirements.

3. Prohibition of Unauthorized Disclosure under Consumer Privacy Protection Laws Additionally, in line with federal and state privacy laws, I demand that no information contained in my file be disclosed to insurance companies or any other third parties without my explicit, written approval, unless required by law. Any unauthorized disclosure will be considered a violation of my privacy rights and will result in appropriate legal action. 



I attempted to make this request through your agency 's online portal, but unfortunately was unable to complete the process. For this reason, I am submitting this request in writing to ensure that the credit freeze is implemented in a timely manner. 

Below is the information necessary to process this request : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Case # XXXX is the reference number for this. They want to resolve this by having me make a payment. This debt is around 2800.00. I can't afford that and could not go high for a settlement because I have only XXXX  which can not be garnished. It is my only income. They threatened to keep the judgment on me for 20 years. They are trying to ruin my life. And I have no money to give. I included what I own in last case and it's XXXX or less. This is harassment and scare tactics. I am going through the cfpb to keep everything on a record to protect myself. Please stop checking my credit and other finances which are none. I even received a letter that I wasn't allowed to have a block on my credit while I was going through ID theft. You can't do that. I want to be left alone
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are incorrect, and they are adversely affecting my livelihood. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

In XX/XX/XXXX, I purchased a condo with XXXX XXXX mortgage company. Within few months, XX/XX/XXXX, I refinanced the loan through Ladera Lending with a broker who offered a 2.5 % interest with a significanly lowered monthly mortgage payment. I was very pleased. According to the broker/agent, my loan was going to be a breeze due to my excellent credit and job security. Little did I know that there was an error in the escrow/impound account. The previous lender had calculated the escrow at {$750.00}. Ladera Lending 's escrow only reserved {$340.00} which they did not add the property tax bill for XXXX and also 1.25 % of the purchase price at the time of refinancing. I am filing this complaint after I received an Escrow Account Disclosure Statement on XX/XX/XXXX. After XXXX years, my current mortgage company XXXX XXXX XXXX ) caught shortage in my escrow account due to Ladera Lending 's error. As a result of this shortage, XXXX XXXX is adding an additional {$1000.00} a month to my mortgage. As a consumer, I am focused on making the monthly payments and I assumed that with an impounded account, my property tax was taken care of. 
Also, the broker/agent did not inform me about supplemental taxes which I recently learned was in a delinquent status until I paid off. 
I am currently facing financial hardship as a single woman and a mom of two teens and this new payment will definitely put a strain on me. I have lived within my budget but unexpected things arise and I have recently paid off the supplemental tax ( XXXX with a late fee ). I am appalled and shocked to learn that I was not informed sooner about this error by a current mortage company. But Ladera Lending should have been more careful with the loan documents before releasing the loan. Especially, if it is an impounded account. What the broker offered was an attactive bait for offering a much lower mortgage payment and now, after a year and half go by, I learn that there was a error .... Most consumers do not have knowledge about escrow. That is why I opted for an impound account. I do not have the means to pay a large property taxes every 6 months. I trusted my lender to prepare the documents before releasing the loan. I do understand that the taxes do go up and mortages and fees go up slightly especially, with during this economic inflation. However, adding an additonal $ XXXX on anyone will significantly affect their budget and livelihood and I am one of them ....
Product: Vehicle loan or lease

I paid off the loan on a new vehicle 12 months in advance. Ally Financial took one additional payment of {$530.00} out of my direct payment account and has NOT returned it to me in 30 days. I contacted customer service reps. at Ally seven times. I recorded four conversations ( I informed them that I was recording the conversation every time. ) I contacted Ally three additional times by " chat '', and I printed those communications as well. 

I was initially told by Ally that I would receive the refund of my money the week of XX/XX/XXXX. I was told the refund was mailed to me on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and finally on XX/XX/XXXX. It is now XX/XX/XXXX and I still have not received the money Ally took out of my account. 

The vehicle was paid in full on XX/XX/XXXX ... 12 months ahead of when the final payment was due. I have recordings and documented copies of the misleading information I have been given for the last three weeks. 

Why are they allowed to get away with this? Why couldn't they return my money electronically to the same account they took it out of? Why are seven different people confused and not sure of " exactly '' what is happening? 

Another complaint about the TITLE for the vehicle. I actually paid off, in full, two loans years ahead of time. I asked the question ; " ... when will I receive the titles for the two vehicles? '' I was told by three reps. that the titles would be send to the DMV. I asked " ... what DMV? '' No one could answer that question. However, as it turned out, one title WAS sent to the DMV in XXXX, IA. and second title was sent directly to ME! 

How about that? Who really knows what they are doing at Ally? Why would Ally release two vehicle tiles worth {$50000.00} and NOT return a payment amount of only {$530.00} ... what is worth more? It makes no sense that they would delay returning a small amount of money, but have NO problem releasing titles worth many thousands of dollars? The fact is, they DO NOT want to release MONEY. They hold on to the money as long as they want to, without reason or justifiable cause to do so.

This needs to be examined and corrected. Note : Ally should be regulated to " refund '' customer 's money within two weeks or less. They should be forced to " direct deposit '' refunds if they have been paid by " direct payments '', all of my payments were made on time with direct payment terms. Ally should be punished for making " false '' statements and unprofessional conduct and concern for outstanding customers like me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE SUBMITTED THE EXPLANATION OF BENEFITS TO XXXX XXXX XXXX SHOWING THAT THERE IS XXXX BALANCE ON XXXX XXXX BILLS. THE PART THAT THEY KEEP BILLING ME FOR IS A DISCOUNT WHICH ERASES OVER NEGOTIATED FEES OF THE HOSPITAL BILL. 
I HAVE DISPUTED THIS SERVAL TIMES AND THEY HAVE NOT MADE THE CORRECTIONS ON MY CREDIT REPORT. THE DEBT COLLECTIONS NEED TO BE REMOVED FROM ALL CREDIT REPORTS XXXX, EXPERIAN, XXXX 
I AM GOING TO ATTACH ALL EOB FROM XXXX WHEN I HAD XXXX XXXX XXXX AND I AM GONG TO ATTACH EOB FROM MY INSURANCE XXXX FOR XXXX FOR XXXX XXXX. 
I JUST RECEIVED A NEW CREDIT REPORT FROM XXXX XXXX AND EXPERIAN AND THIS IS THE FIRST NEGATIVE INFORMATION THAT APPEARS ON MY REPORTS THAT HAS DECREASED MY XXXX XXXX BY SEVERAL NUMBERS DOWN. I HAVE DISPUTED THIS MORE THAN 30 DAYS AGO AND THEY CONTINUE TO POST IT. THIS IS AGAINST THE LAW. 
I AM ATTEMPTING TO REFINANCE AND THIS IS HINDERING ME FROM MOVING FORWARD WITH XXXX CREDIT AFTER PAYING IN GOOD FAITH TO REPAIR MY CREDIT FOR THE PAST SEVERAL MONTHS. PLEASE ONCE AND FOR ALL REMOVE THE DEBT COLLECTIONS AS I DO NOT OWE XXXX XXXX XXXX ANY MONEY AND I NEVER HAD A CONTRACT WITH THEM TO PAY THEM MONEY THAT I DO NOT OWE.
Product: Credit card or prepaid card

I closed the subject credit card account with Citibank in XXXX. A charge made on the account in XX/XX/2019 for travel arrangements triggered a refund of {$420.00} in XXXX. On XX/XX/XXXX I contacted Citibank to ask how these funds would be returned to me. I was told that a check would be mailed to me shortly after the refund was issued by the merchant. The merchant issued the refund, and it was posted to the account within days of my XX/XX/XXXX contact with Citibank. I waited 2 months and did not receive the promised refund from Citibank. On XX/XX/XXXX I contacted Citibank again, went through a similar process, and was assured that a refund would be received within 14 days. I waited another 14 days and still did not receive the refund. On XX/XX/XXXX I contacted Citibank yet again and learned that no refund had been issued. The representative gave assurances that a check would be issued in 7-10 days, similar to the assurances given by his 2 colleagues in my prior contacts. But he added a further caveat that if there was a problem Citibank would send me a letter, not a check, in 7 to 10 days. He said he would provide a confirmation -- that turned out to be simply his typed reply with the date of our communication in the chat. This continuing run-around without accountability has become unacceptable. If the tables were reversed and I had not paid Citibank for 2 1/2 months they would charge me a late payment penalty, interest and ding my credit score.
Product: Payday loan

I did apply for a payday loan. When I asked for the repayment amount I was told it can only be determined after I accepted the loan. This occurred at rapid cash in XXXX XXXX Nevada. On XXXX XXXX and XXXX. The loan officer refused to give me proper information of the loan prior to me taking out the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am hear to notify the CFPB that several violations of the law towards me as a consumer has been done. I personally reached out to Experian, XXXX, XXXX, and related companies XXXX & XXXX XXXX  to attempt to resolve the issues. Not only have they ignored my correspondences they have also hung up on my when I called to resolve the issue. There are accounts paid off in perfect payment standing and payment history showing late payments. There is a account XXXX XXXX XXXX XXXX  # XXXX that is showing associated to me or my persons that is not mine and I do not take responsibility for it. I dug deep to find basis of these errors and find that per 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer it is required I give written signed consent to even allow them to show anything on my credit file. They do not have such consent and they doing whatever they want at this point.
Product: Debt collection

Collection Med West Fidelity Services XXXX XXXX XXXX XXXX. 
XXXX, Ks XXXX Account number : XXXX The original creditor is XXXX. I do have an account with XXXX but have never missed a payment. This is a mistake and I need documentation from this collations agency showing payment history and original documents bearing my signature.
Product: Credit reporting or other personal consumer reports

Experian Is furnishing Inaccurate information ( inquries ) ( latepayments ) ( collections ) on my report without validating any debts, and me being the natural person Only I can validate any alleged debt and I do not validate any of the alleged debts on my credit report. I demand that all any any negative derogatory accounts be removed off my consumer report. I demand them to send me names, address, phone numbers, for any individuals contacted during their investigation. I ask that they provide me with my written signed ink permission to furnish any information on my report. 

without a permissible purpose by law, they are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 
2003 ) I have not initiated any transaction with ANY OF THE 28 INQUIRIES ON MY REPORT Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with ANY OF THE INQUIRES for review or collection.

Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.
Product: Money transfer, virtual currency, or money service

XX/XX/year> to XXXX XXXX XXXX XXXX XXXX XXXX I used RIA to send this, however, I received a note from a XXXX XXXX that I had a red flag and I could not use ANY company to send money to XXXX XXXX She promised that she would clear my name so I COULD send money to XXXX XXXX. She gave the " duty '' to XXXX XXXX, who in turn used XXXX XXXX. They said they kept trying to send money to XXXX XXXX, and the people said we could even use a California bank account to receive the money, but the receiver never received his money after attempt after attempt.
Product: Checking or savings account

Last year because when I was going thru a rough time due to going thru a divorce my accounts where closed after years of being with Chase for overdraft fees.
Product: Mortgage

Since taking over the servicing of my home loan, Mr. Cooper 's online payment system appeared to be charging me a higher monthly payment. But upon further clicking on the options, I discovered that it was defaulting to a late fee payment automatically being paid. No matter what date or how early I attempt to make my payment, the default to a late fee being included is included, forcing me to click a drop down menu where zero is not even an option. It forces a consumer to actually enter " 0 '', and the APPLY, before the fee goes away. See attached photos, it's XXXX and they are showing a late fee due on XX/XX/XXXX. 

I can't imagine how many consumers, while paying 5-20 bills each month, just don't notice or skip that step each month, assuming the mortgage company is publishing only what is actually due. This feels like stealing, taking advantage of the public. I've been paying personal and investment mortgages for nearly XXXX years and have never seen something so predatory.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been applying for new homes and getting denied because of my consumer report. Im being denied, not because income or background. I make good money. My report is pretty clean. The only thing I can think of prohibiting me from being approved is the inaccurate information reporting on my consumer report. I have already sent letters to dispute this information. This info is not showing on my XXXX report. However, 3 Derogatory Remarks on Equifax and one on XXXX. While 0 on XXXX further proving this information inaccurate.
Product: Debt collection

I had found out I had a debt from XXXX XXXX that was then sent to Penn Debt Collection. Penn had thereby neglected to send any notification of the debt owed to them to my address or any additional information about said debt in their possession including debt amount. Additionally, Penn has neglected to return disclosure of full payment amount to XXXX  in what could be considered a timely manner. For example, Penn collections has a XXXX business day turn around time for processing of debt payments. Informing XXXX of successful debt payment takes XXXX business days. At the end of the month, processing of payments are batched and held until the end of business on the last day of the month at XXXX. This payment information is not issued for queue to send to XXXX  until the business day. This information was collected from Penn debt collection agents directly. In essence, in order to clear a debt from an individuals account with XXXX is can take over XXXX business days or two weeks in order to resolve a debt. Due the Penns deceptive practices of non-notifications of debts in their possession, refusal to provide proof of debt, in addition to unnecessarily lengthy processing times on their end, they should be investigated for violating the FDCPA.
Product: Credit card or prepaid card

I am currently being charged for a subscription with Wyndham XXXX. I have disputed this once on XXXX  and again on XX/XX/ with Barclays. On XX/XX/ I was told I have a subscription with them and they can't stop it even though I have closed and card and notified Wyndham that I wanted to cancel the subscription. Wyndham has said I can not cancel. This is a " Wyndham XXXX '' Barclays Credit Card and they say I must continue to be charged by Wyndham. 
I am currently going through the legal system to cancel this subscription and do not want to continue to be charged on this closed account. Doesn't the credit card do anything to protect my rights?
Product: Mortgage

There is a summary judgment against my property ; which was adjudicated in XXXX XXXX Supreme Court. Due to the emergency of this situation, I would like to explain the history of my dilemma. 

I purchased the said property above in XX/XX/XXXX. After 2 years, I requested a modification from the newly assigned company XXXX. Unfortunately, a representative of XXXX told me that the square footage of my studio ( 500 sq  feet ) was too small to receive a modification. 
Within the years of the constant reshuffling of mortgage assignments, only one servicer ( XXXX XXXX ) offered a modification ( XXXX ), which was 5x higher than what I was paying. In XXXX a Judge dismissed the case without prejudice requesting explanation of the lost note and allonge. 

In XX/XX/XXXX a second judge partially granted and partially denied the summary judgment. In XX/XX/XXXX, a third judge granted summary judgment and I filed a OSC. 

I am in receipt of a letter 3 denial letter for a modification by Planet Home Lending ( PHL ) dated XX/XX/XXXX, in reference to the denial of the requested modification. As a property owner, I am frustrated by the multiple servicers and investors that this " mortgage '' has changed hands. For the past decade, I have tried to secure a refinance when I was current only to be told that it could not be done. XXXX XXXX ( XXXX ) stated the condo was too small. XXXX couldn't modify-no reason given. Now Planet Home Lending has given no supportive argument as to the denial of the modification, other than the investor does not offer modifications. 

Their decision was based on a consumer credit report not my actual credit report. Additionally, PHL acknowledges that the reporting agencies played no part in their decision to deny the modification. However, PHL failed to mention the reason of the denial, but directed me to run my credit report. I provided all the supportive documents and income, yet I was denied. The investors lawyers also discontinued a pendency in XX/XX/XXXX because the investor because the Plaintiff could not prove compliance with the mortgage by a non-party to this foreclosure action. 

Here is a history of all the Lenders : MLN-Bankruptcy XXXX XXXX   XXXX XXXX XXXX XXXX I XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX Planet Home Lending I ran my credit score several times and the mortgage is not reporting at all. Please advise. 



Respectfully submitted, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Acct # XXXX I did not give permission for this to be reporting to my credit report. 

Please remove right away.
Product: Credit reporting, credit repair services, or other personal consumer reports

A personal loan, and credit card, and a XXXX XXXX  account were fraudulently opened on my behalf with in XXXX XXXX, Co. I have never resided or was stationed in XXXX XXXX, CO at the addresses list in the accounts. I have been trying to get these accounts closed since XX/XX/XXXX. When I was made aware that my personal identifiable information was included in a data breach with the US Office of Personnel Management. 

The following accounts were open : XXXX XXXX XXXX XXXX Personal Loan : - $ XXXX- currently charged off. 
Credit Card : - $ XXXX- currently charged off. 

XXXX XXXX ( XXXX XXXX XXXX ) : - {$120.00} - currently collections I have requested information regarding these accounts from XXXX, and to no avail. 

XXXX XXXX has sent me a fraud account letter which I have completed and returned back to XXXX XXXX XX/XX/XXXX. 

I have disputed these accounts 3 times with all three credit Bureaus, they have temporarily removed the accounts, and 30-60 day they would return.
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX, i received email notification from Wells Fargo Bank that an anticipated deposit was now available in my WFB checking account- '' Your deposit is available right now with Early Pay Day 1 ''. 
-On XX/XX/year>, received notification from Wells Fargo Bank that an anticipated deposit was not available in my WF checking account. A different platform, same information provided by WFB. 
-Using the online app-i saw visual confirmation that the funds from anticipated deposit, was indeed in my WF checking account. A third confirmation that the funds were available. 
-On XX/XX/year>, i paid several creditors as per my agreement with my creditors. 
-On XX/XX/year>, Wells Fargo Bank refused to pay the my creditor, though funds were available on XX/XX/year>. 
-Wells Fargo refusal had a negative affect on my reputation as a credible customer when paying my bill and promise is not honored by my bank. 
-Wells Fargo discontinued previous service of 24 Hour Overdraft Protection-its right to do so is unquestioned.

-In addition, Wells Fargo Bank is practicing unethical behavior as, though deposits are available on XXXX, it debits the accounts before crediting the account for funds that it communicated twice to the customer on two separate platform that funds area available. In my opinion, this manipulative action, is contrary to the building trust in our financial institutions-that Wells Fargo Bank has a history of tarnishing.