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

In accordance with the fair credit reporting act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX has violated my rights. 


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 an account without my written instructions 15 U.S.C 1681c ( a ) ( 5 ) sections state : no consumer reporting agency make any consumer report contenting any of the following items of information any other adverse item of information, other than records of convections 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 related to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit card or prepaid card

I have a Bank of America credit card on my credit report. I was never approved for a credit card. I filled a dispute with XXXX  and Bank of America responded that the charges are valid because the application was filled with my information. 
I was never approved for a Bank of America credit. I only find out about the existence of the card when I received a report from the credit bureau.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed XXXX {$340.00} XXXX XXXX Balance Owed : {$850.00} XXXX XXXX XXXX Balance Owed : {$440.00} XXXX XXXX XXXX Balance Owed : {$630.00} XXXX XXXX XXXX XXXX Balance Owed : {$1900.00} FXXXX XXXX XXXX  Balance Owed : {$850.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information including social security number, address, and other personal information has been exposed in multiple data breaches and has resulted in identity fraud. Someone has gotten a hold of my information and is using it to fraudulently open accounts in my name. I reviewed my credit report and examined numerous fraudulent accounts on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have sent over a police report and ftc afidavit and statement to transunion on  XXXX  occasions they have refused to remove these fraudelent inquiries. I have reported the incident to the police and then went back and updated the report. Transunion refuses to remove these inquiries. I did not give these people that are listed the permission to run my credit. Transunion refuses to remove them or verify the validity of them.
Product: Mortgage

I have reached out to PennyMac on several occasions concerning their misapplication of my mortgage payments. Each time I speak with a representative, I am given the run around, given a different answer or I have been spoken to flat out rudely and unprofessional ( most recently by XXXX, XXXX and XXXX ). I asked to speak to a manager and I was transferred to XXXX who I later found out is not a manager. When I asked her to let me speak to a salaried official, she did not know what that was. I advised her I would be filing a complaint with the Consumer Finance Protection Bureau and she said she did not care. 

I need some assistance in getting these payments applied correctly. I am the customer and I do not deserve to be disrespected.
Product: Checking or savings account

I called Bank of America  on two s eparate occasions to discuss  (  4  ) overdraft charges totalling {$140.00}. Both representatives refused to refund any of the fees and basically said that the bank has an automated system that decided who gets fees back and who does not. I was treated very poorly and kept on the phone  for 30 minut es only to be told they could not help me. I have since cancelled all direct deposits to the account and am in process of closing it. That bank is disgusting.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 5TH endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : - XXXX XXXX Balance : - XXXX XXXXXXXX XXXX Balance : {$300.00} XXXX XXXX XXXX XXXXXXXX Balance : {$17000.00} XXXX XXXX XXXX XXXX Balance : {$700.00} XXXX XXXX XXXX XXXX Balance : {$770.00} XXXX XXXX XXXX Balance : - XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX XXXX Balance : - Bankruptcy XXXX XXXX Filed on XXXX XXXX, XXXX Reference number : XXXXXXXX XXXX : XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX Filed on XX/XX/XXXX Reference number : XXXX XXXX : XXXX XXXX XXXX XXXX XXXXXXXX Bankruptcy XXXX XXXXFiled on XX/XX/XXXX Reference number : XXXX XXXX : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$460.00} XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} Bankruptcy : XXXX XXXX Filed on XX/XX/XXXX Reference number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Dismissed XXXX Filed on XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$700.00} TXXXX XXXXXXXX Balance : {$84.00} XXXX XXXXXXXX Balance : {$57.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1700.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Filed on XX/XX/XXXX, XXXX number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Filed on XXXX XXXX, XXXX Reference XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXXXXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX
Product: Debt collection

Hello, I constantly get random annoying harassing phone calls daily always from different looking phone numbers. 
When I XXXX search the numbers they always relate to a debt collecting company called : Midland Debt Management. 
Here is their website : https : //www.midlandcredit.com/ I dont owe any debt - I never had a debt so im not sure why they keep calling and its very annoying specially that they NEVER leave any voicemail. 
I did a search about that company and I found out that it has a very bad reputation regarding calling random people and making them believe that they have a past debt and collecting money. 
I never answer their call and will not answer their phone call. 
I just want to report them because at this point its a harassment daily calls and even on weekends non stop. 
Im not sure what the deal is with this company but for me they are not legit and should be investigated by the FBI or other gov. agency. 

Thank you for your assistance.
Product: Checking or savings account

I am the durable power of attorney for my elderly mother. Legal doc has been on file with Wells Fargo for nearly a year and has been approved by their legal department. My mother had a large 6 month CD in an IRA paying very low interest. I emailed the contact person at my local branch to find current rates and alternatives. This individual has helped me straighten out a previous mess caused by Wells Fargo. I received an out of office reply with a referral to t he manager ( name and phone number were provided in the email ) for handling issues during contact person A 's absence. I have left three voice mails with this manager over a period of two w eeks and have had no response. The third voice mail was after calling the branch directly and stating lack of response. Still no reply from anyone at Wells Fargo after a total o f 4 messages regarding this matter. Now the CD has automatically renewed for another 6 months by default and I still have not been contacted. Extremely poor customer service and this for a Crown Banking Premier Account with " personal bank er ''. In addition, after finally going in person to another branch I was told they could not help because they did not have the  POA on file when it is clearly stated in the titles for all  XXXX  accounts. And that an original of the POA would have to be provided. Only later to be told " oops '' we found it. Just total incompetence by Wells Far go. I am currently dealing with  three other financ ial institutions and have had no problems with any of them. Only Wells Fargo ... ridiculous.
Product: Student loan

XXXX has tried XXXX times to take me to court. 
XXXXThe XXXX time was in XXXX where the attorney for them was XXXX XXXX. XXXX XXXX hounded me and violated the FDCPA, and I sent him a cease and desist letter through an attorney. The attorney later left the case citing there was n't enough information to follow through on FDCPA claims ( I later found out I have a phone recording that verifies my statements and shows that the FDCPA was violated ). I went to the courthouse on XXXX/XXXX/XXXX at XXXX XXXX to no other parties and was told that the case was dismissed. 
XXXXThe XXXX time was in XXXX and the case number is XXXX. This was in XXXX after not following through with the lawsuit in XXXX, where I have stayed since XXXX. I was told by my father that a sherrif attempted to serve me papers at my parents house in XXXX of XXXX, my father told him that I do n't live in XXXX and the sherrif truned around and left. This time I recieved no notice in the mail about this lawsuit, aside from letters offering me representation from XXXX. When I called the letters back, I was told that since I live in XXXX, I ca n't be represented by them because they are in XXXX. 
XXXX XXXX of XXXX I recieve another letter in the mail from a lawyer offering me representation concerning a case against me. I was told a lawsuit was filed yet again by XXXX, but I had n't recieved anything in the mail. I look the case up ( again only off of information from mail that could be considered an ad ), and see the the hearing is scheduled for XXXX of XXXX. I start seeking representation to surmount a defense against this predatory lender, and while in the middle of this I recieve a letter on XXXX XXXX, XXXX saying that a judgement has been entered against me. 
1. I was n't properly served papers at my house for the most recent case, despite recieving the notice for the other case at my house from the same lender two years ago. 
2. This lender has used collectors that violate the FDCPA and have harrased me for years. 
3. The co-borrower is my mother, who passed away in XXXX. While my mother 's estate was being settled, my father and I recieved an offer from XXXX to settle the loan for {$7000.00}. When we were willing to take the offer, XXXX pulled the offer back after having adknowledged the fact that they initiated the settlement talks. This led to my father saying he will not help me with my student loans and XXXX starting these predatory tactics. 
I do not have the money to settle this matter, nor do I make enough the satisy the minimum payment. Everytime I speak to them and tell them my finances, I am told that I am lying about my finances and that I am living in poverty. If I am in poverty and I am telling you this, how am I lying? 
I do plan on paying these loans back, however I am not able to at the time. The job market is rough and dealing with these lenders are preventing me from devoting my energies on finding a job.
Product: Credit card or prepaid card

I have applied a gift card to my XXXX XXXX account. The only allow 1 payment card per transaction. So if you end up with a gift card that is under {$1.00} it's not able to be used. This is forced breakage. 

You used to be able to combine gift cards or use a credit card with a gift card.
Product: Vehicle loan or lease

XXXX XXXX says Capital One Auto Finance did an investigation on an car loan inquiry on my XXXX XXXX Credit Report.that resulted that there was fraud involved. I am being told by XXXX XXXX that I have the right to the investigation documents that show the details and names on the documents. I have attached letter form XXXX XXXX.
Product: Credit card or prepaid card

When asked of the credit card issuer to provide the debtor a fully executed copy of the terms and conditions or credit agreement indicating the debtor oh, rather the Creditor can arbitrarily cut the debtor 's line of credit limit. Doing so allows them to quickly report the debt as over-limit and immediately throw it into collection. A fast-track collection allows them to bundle hundreds of thousands of these accounts to sell them off to get them off their books. This is exactly what Citibank has done and each time I request a copy of an agreement that I signed with the section highlighted that allows them to do that, they refused to cooperate. this Behavior is known as FRAUD.
Product: Mortgage

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX NY XXXX TIAA bank XXXX XXXX XXXX XXXX  XXXX VA XXXX THE REFERENCED DEBT COLLECTORS HAVE ENGAGED IN DECEPTIVE PRACTICES, AND BROKEN CONSUMER LAWS. 
UNDER THE CONSUMER FINANCIAL PROTECTION BUREAU ( CFPB ). 

SUBJECT : This is a formal complaint and request for an immediate investigation, intervention and your protection on this egregious matter against the above referenced Debt Collectors for doing dual tracking under XXXX XXXX XXXX XXXX " Dual tracking '' occurs when a mortgage servicer continues to foreclose on a borrower 's home while simultaneously considering the borrower 's application for a loan modification or other foreclosure avoidance option. 

I have been trying to obtain a modification from the above debt collectors, for my under water property. I submitted my application on XX/XX/2022 within a 10 weeks the debt collectors have put a sale date on my property for XX/XX/2022. I have been advised that my application is been reviewed by the underwriter and nothing else is needed as per a Phone call made to TIAA Bank Servicing XXXX ( XXXX ) XXXX on XX/XX/2022, spoke to XXXX, a TIAA representative. 

The above debt collectors also failed to provide verification and validate the alleged debt from the original creditor with true and certify signed original contracts to validate the debt. and verification through audit certification of debt entry in accordance with XXXX, and XXXX. 

Please by the intervention of an investigation of THE CFPB IT WILL HELP TO PROTECT MY CONSUMER RIGHTS, AND HELP ME KEEP MY HOME. 

Thanking you in advance,
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 around XXXX, I was contacted via email by XXXX XXXX from John Adams Mortgage Company regarding refinancing my existing mortgage. The email from XXXX XXXX was unsolicited, as I had not previously contacted XXXX XXXX nor any other representatives at John Adams about refinancing. 

I replied once to XXXX XXXX 's email on XX/XX/2022 that I would be interested in exploring refinance options and asked what my options would look like. By XXXX, I received a refinance quote from XXXX XXXX XXXX Within minutes afterwards, I was notified that a hard inquiry was done on XX/XX/2022 by mortgage lender XXXX XXXX. 

This occurred within an hour of XXXX XXXX 's unsolicited email about a refinance opportunity. I was never informed that this would involve a hard credit pull, nor did I ever consent to XXXX XXXX or anyone at John Adams doing a hard inquiry into my credit. If asked, I would not have consented to a hard inquiry. 

My conversations with XXXX XXXX on XX/XX/2022 were exclusively over email, which I have uploaded with my personal information removed.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX my phone was stolen and my information was compromised. In the midst of my information being compromised my cards were taken and my money was stolen from my account as well. I retrieved my phone back but never got my cards back. Between XX/XX/XXXX and XX/XX/XXXX {$5200.00} was taken from me between chime pay anyone, XXXX XXXX and my cards being added to XXXX XXXX and sent through XXXX XXXX. Ive made XXXX police reports and contacted the person who stole my money and basically was told that the only way Id be receiving my money back was through chime disputes and Ive literally gotten no help just a denial and a no error occurred I do not know these people who had my stuff. I dont know the people that my money was sent to & I DID NOT authorize those charges. That was all my money I had to my name and I need to be refunded so that I can take care of my bills and my children thank you. Ive tried XXXX different times to get to my dispute approved with all the evidence I had or needed to provide including police reports. Just to still get denied. Ive had to call to get chime to fix my dispute from incorrect categories on multiple times
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Account nameXXXX XXXX # XXXX, Account name XXXX XXXX XXXX  # XXXX, Account name XXXX # XXXX, has violated my rights. 

I looked at my XXXX credit report on XX/XX/2024 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 generally, 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

Good afternoon, This is where i currently am. I have an issue with my dealings with XXXX XXXX. First, a little background information. 
Sometime in mid XXXX, I contacted Rocket Mortgage for an FHA cash out refinance. During this process paperwork was submitted, credit was pulled, income was verified, appraisal was scheduled and, according to XXXX, the underwriter was actively reviewing my information. During one of the earlier phone conversations, I was told, by XXXX, " You don't have a mortgage payment due until XXXX. ". I understood this to mean that XXXX 's payment was unnecessary, as Rocket Mortgage was handling things. Some time later, I was asked for verification that XXXX 's payment was made. When notified that it was not, XXXX told me that I was disqualified due to there being a XXXX day late on my current mortgage. I was acting on information provided to me via a phone conversation, so as you can XXXX, I was a bit upset. 
I have contacted my current mortgage company, and they have agreed to review the case to have the late payment removed, but I have no proof that the phone conversation happened. I reached out to XXXX to verify. He refused to cooperate. I contacted XXXX, who also refused to cooperate. I asked for transcripts to the phone calls to submit to my current mortgage company, and was told that they would not be released, as they are proprietary. As you can see, I have very limited options. 
I am again asking for transcripts to the phone calls between XXXX and myself regarding my application. I have reached out to Rocket 's XXXX XXXX regarding this matter as well. It's quite simple. Please release the transcripts, so I can submit them to my current mortgage company. They'll amend my payment history due to extenuating circumstances, and I can refinance with another lender. It's really no more complicated than that. 
As of this writing, I am being stonewalled. 
Thank you for your consideration. 

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

Hello there are a lot of unauthorized inquiries on my Equifax and XXXX credit report I tried contacting them and they decline my inquiry they didnt try to help me these unauthorized inquiries are affecting me for Im XXXX! I need them to be removed this is beyond me Thank you
Product: Debt collection

On XX/XX/2022, starting at XXXX, I received multiple calls on my cellphone in CT from XXXX XXXX XXXX XXXX office in Georgia XXXX They are threatening to sue me on behalf of XXXX XXXX XXXX. First they called me from XXXX and then multiple calls back to back from an unknown number. They were very aggressive and rude, stating they are going to keep on calling. During this same time within half an hour they even called my mother 's home phone in Maryland. 
I have disputed this debt and it was taken off of my credit report on a few of the credit reporting agencies, yet I'm still being harassed. The most upsetting part is that my mother is over XXXX XXXX XXXX and should have never been harassed being that she has never been used as a reference. They claim not to have my mailing address, which I instructed that I only do business in writing, yet they can track down my mother 's home phone number in another state that I don't even know by heart.