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

The following inquiries are unauthorized.
 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a concerning issue I encountered with my EQUIFAX credit report. On or about XX/XX/2024, upon reviewing my credit report, I discovered several unauthorized hard inquiries that have been made without my consent. These inquiries have raised serious concerns regarding the security of my personal information and its unauthorized use by third parties. 

The unauthorized hard inquiries were found on my XXXX credit report, and they are as follows : SEE ATTACHED DOCUMENTS
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, I asked Freedom for financial guidance to reach agreements with creditors. I was paying for 7 months and I guarantee agreements with creditors. Make an agreement only with a creditor. After the agreement I made 5 payments and they charged the fees in advance and the account was at XXXX and they tell me that I have to continue depositing money if I want to reach agreements with another creditor. They created a new problem for me because they told me not to pay any amount to any creditor. Currently they complicated the situation for me, since after 5 months 2 creditors threw the account into a loss, and the economic situation and no emotional condition emerged more, since I am a person XXXX by emotional condition. At the beginning of the plan, the score was over XXXX. I asked for help in the wrong place, since they deceived me into indicating that they were financial advisors. I did not receive the requested service and he kept my money and I could not reach agreements.
Product: Mortgage

Wells Fargo is the original mortgage provider for the property, purchased in XX/XX/XXXX. We refinanced with Wells Fargo in XX/XX/XXXX. In XX/XX/XXXX, we contacted Wells Fargo to refinance again, to use the accumulated equity as well as make changes to the title. We were provided erroneous information by Wells Fargo lending officer in XXXX XXXX, FL area ; per this person, quit claim deed was required prior to submitting mortgage refinance application. I contacted Wells Fargo national office, was told that previous information was wrong, and began the application process. 

I submitted all requested documents very quickly and there were no delays until the appraisal was ordered. It has taken several weeks for Wells Fargo to even schedule an appraisal. Then they sent an appraiser who was completely incompetent and so appraisal could not be used. Wells Fargo scheduled another appraisal, which again took weeks to be scheduled. Two delays, both caused by Wells Fargo, caused me to miss the deadline for submitting final documents required for closing. I was told that the deadline was on Monday, XX/XX/XXXX, but XXXX XXXX, FL area was affected by Hurricane XXXX and declared federal disaster area a few days prior to the deadline. There was widespread damage and no power at the house. I had to charge the phone in my car to even make a phone call to Wells Fargo, asking for an extension. They refused to grant an extension. 

In addition to misinformation, appraisal process delay, and failure to grant an extension due to the area being declared federal emergency zone, Wells Fargo also increased the interest rate, which was locked and guaranteed. Wells Fargo decided to classify the property as investment and raise the interest rate, even though the property is owner-occupied and, therefore, classified as second-home property. 

Even after the appraisal was completed, Wells Fargo failed to comply with federal requirement that appraisal report is released to the applicant within three days. It has taken almost two months and numerous requests to finally obtain an original copy of appraisal. 

Given the violations described above, the owner decided to apply for mortgage refinance with another lender. Wells Fargo is retaliating by refusing to completely release the appraisal. After numerous phone calls and email requests, Wells Fargo finally provided a letter stating that the other lender can use the appraisal. However, Wells Fargo is refusing to provide a statement that appraisal process was in compliance with AIR standards or send the appraisal report in XML format.
Product: Payday loan, title loan, or personal loan

I am on a biweekly contract for {$85.00}. They have started taking $ XXXX for {$1800.00} and did not go off of the payment contract ending XX/XX/23. This is very illegal and they refuse to help me. They are blaming me saying its in default when they never contacted me. There was no schedule change and my original payment schedule still stands on their website!
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently obtained a copy of my credit report and you are currently reporting debt to my credit report and as allowed under the Fair Debt Collection Practices Act, I am requesting that you allow me to validate the alleged debt. Please provide me with a breakdown of all charges, dates of service and procedures given including fees associated. 

Additionally, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ), to protect my privacy and medical records from third parties. I do not recall giving permission for XXXX XXXX XXXX to release my medical information to a third party I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization, therefore my request is twofold and as follows ; Validation of Debt and HIPPA Authorization - Please provide a breakdown of fees including any collection costs and medical charges - Provide a copy of my signature with the provider of service to release my medical information to you - Cease any credit bureau reporting until debt has been validated by me Please send this information to my mailing address listed above and accept this letter as my formal debt validation request, which I am allowed under the FDCPA. 
Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 

Additionally, and reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from your collection agency. I will await your reply with the above requested proof. Per the standard, you have 30 days in which to respond to this request, or this debt will be considered invalid, and removal from the credit bureaus expected or damages will be sought after. I have already sent XXXX validation letters via mail. I have not received a response or update in regards to this matter. 

All accounts in dispute listed below : XXXX XXXX XXXX Account Number : XXXX Best Regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I called to make a payment and do a modification and the rep had an issue which resulted in him having to create a ticket which resulted in my account being marked 30 days past due on the credit report.
Product: Debt collection

Since XX/XX/2018 I've been disputing a Unverified account that do not belong to me which is XXXX XXXX  on my Credit Report with Experian, XXXX, and XXXX. I demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) the Credit Bureaus have on file of the account. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof,. Despite more than three written requests, the unverified account ( XXXX XXXX ) still remain on my credit report in violation of Federal Law.  Experian, XXXX, and XXXX and XXXX XXXX XXXX XXXX are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct.In the results of there investigations, they stated in writing that they verified that these items are being reported correctly? But Who verified these accounts? Experian, XXXX, and XXXX  and XXXX XXXX XXXX ) have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore Experian, Equifax, and Transunion and XXXX XXXX XXXX XXXX have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Under Section 611 ( 5 ) ( A ) of the FCRA youare required to. Experian, Equifax, and Transunion failure to positively verify these accountshas hurt my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

Duplicate Account numbers, delinquent payments, account shows closed and discharged in XXXX XXXX incorrect open and close dates. I have 5 accounts with XXXX  XXXX and all of which are in good standing.
Product: Credit reporting or other personal consumer reports

I filed a report with Experian, XXXX, and XXXX of in accurate information being reported. I reached out to the companies I furnished all documentation needed. Third parties companies are still putting in accurate information back on my credit report.
Product: Mortgage

My mortgage company is OWCEN Financial and recently my wife passed away from XXXX. Like many households my wife took care of all the bills and finances. My wife passed away on XXXX XXXX, 2015 she was quickly laid to rest and I begun the process of figuring out our bills. I contacted OWCEN around XXXX XXXX to informed them my wife had passed and our household account that was in wife name was frozen. I also informed OCWEN that I would be able to make the mortgage payment in the morning as I had to have funds transferred from another source. I paid the bill on XXXX XXXX 2015 as promised. I was informed that I would have to pay a late fee I was respectfully incensed but agreed. I was also informed that this late payment would be reported to the credit bureaus. I asked again given the nature of the situation would they reconsider not doing that and they told me there was absolutely nothing they could do. My credit at the time was XXXX. With their reporting of late payments my credit score took a dive to XXXX. Now keep in mind our other residence is finance by XXXX XXXX. Like OCWEN I went to XXXX XXXX mortgage gave them all the same documentation they made a call to their servicing center and everything was corrected and no late fee was accessed. Reliable and industry respected resources have told me that OCWEN like XXXX XXXX could have done something given the hardship. I asked XXXX to request OCWEN to reconsider and OCWEN up held their decision. It felt like a predatory type of feeling and experience when communicating with OCWEN. So I started to dig more and I now realize their deal. We had mortgage the house years back when rates where higher and before our loan was sold to OCWEN. I believe OCWEN is quick to ignore legitimate and verifiable hardship and compassion request and quick to use credit reporting practices to lock loans so they ca n't be refinanced. I 'm trying to refinance my house now and after explaining what was my situation I may be able to leave OCWEN. While sitting at my desk I XXXX " what people are saying about OCWEN '' WOW!! Not surprising what I was feeling was further confirmed. XXXX I 'm not the only person having challenges with OCWEN. I mean recent accounts as recent as this year and this month people are having serious and unfortunate experiences with OCWEN. Not to mention that CFPB has had to investigate them in the past. The way they do business is more than borderline sleeze. Not sure what but there needs to something done with OCWEN as people are losing their homes, incurring increase expenses and the customer services experience is for sure predatory.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Act XXXX XXXX XXXX XXXX Last reported XX/XX/2023 {$3000.00} Reported balance Credit limit {$2500.00} XXXX  XXXX Last reported XX/XX/2023 $ XXXXReported balanceCredit limit {$3000.00} XXXX XXXX XXXX Last reported XX/XX/2023 {$570.00} Open balance XXXXXXXX XXXX XXXX XXXX XXXXXXXX Last reported XX/XX/2023 {$710.00} Open balance {$750.00} 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 a account without my written instructions
Product: Checking or savings account

I received blank checks in my name from TD BANK on XX/XX/2022. I do not have an account with TD bank. TD bank closed the account and reported it as fraud.
Product: Credit reporting or other personal consumer reports

For months, TJMaxx has yet update balance and utilization info for months on both credit reports for myself and my wife XXXX XXXX XXXX, ( birthdate XX/XX/year> social XXXX ) who is listed as my authorized user.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, Trans Union reported that I had a hard inquiry from XXXX XXXXXXXX, a company based in XXXX, Kentucky. I did not apply for any loan or credit card from this company. This is fraudulent activity and I need this to be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear XXXX XXXX, Please provide me the Consumer of America with the Original Contract with wet ink signatures that granted you my permission to hoard my personal information. Failure to provide this contractual agreement to Consumer ( me ) constitutes a privacy right violation according to the Privacy Act of 1974. 
The Privacy Act of 1974 also serves as a Public notice on the behalf of all Consumers in each State including the XXXX XXXX XXXX due to XXXX being a publicly traded company! 
Consumers have grown tired of the false and misleading practices you have portrayed, damaging my reputation and wellbeing!! Portraying False and Misleading Practices are also violations of FEDERAL LAW! 15 USC 1692 ( e ).
Product: Debt collection

On XXXX XXXX Vance and Huffman LLC reported a debt to my credit report without any communication. I called the office and left a message requesting a return call on XX/XX/XXXX with no response. I called again on XX/XX/XXXX and spoke with XXXX XXXX XXXX. I gave XXXX XXXX permission to speak with my fianc on the line because she has credit reporting background. XXXX XXXX would not allow her to speak when she attempted to address the communication issue, and stated a call was made but it is illegal for a collection agency to leave a message on a voicemail. We attempted to address the timeline of communication because this organization is a third party agency that purchased the debt from a previous agency between XX/XX/XXXX and XX/XX/XXXX. According to FDCPA they are to give the debtor at least 14 days from notification to acknowledge or dispute the debt, and again there was no notification sent. We attempted to verify the debt stating the previous agency found the debt was not valid and this was never reported to the credit reporting agency until they purchased it. XXXX XXXX then stated that he knew nothing of the previous agency and that he received the information directly from the creditor, when all 2 credit reporting agencies are reporting his company as a 3rd party.
Product: Credit reporting or other personal consumer reports

Equifax is currently reporting inaccuracies on my credit report again. XXXX XXXX XXXX XXXX XXXX, ACCOUNT NUMBER XXXX is reporting as 4 years, 6 months and 26 days. 
How is this possible when this account is over ten years old and over the statue of limitations ; paid in full years ago ; and has been removed from XXXX and XXXX. Why is it so hard for equifax to abide by consumer laws and report the right information on people 's credit report. I'm stating now, that XXXX XXXX does not have the permission or right to sell my personal information to anymore collection agencies. This account should not be reporting, it's too old and violating my rights AGAIN.
Product: Debt collection

Someone used my identity to purchase vehicle rims. I only found out about the occurrence after it hit my credit report. I called the company and they informed me that a black male was the one who did the transaction. I did not even own a vehicle at the time of the transaction. Please help me get this removed from my report because it WAS NOT me.
Product: Credit card or prepaid card

In XXXX of 2019, someone solicited my credit card information that was only allowed for emergency use. Within a very short period of time, he maxed out all credit lines, opened a new one, and attempted to open more. In total, the amount was around {$38000.00}. He gave me money a few times to pay down the balance assuring me that it was temporary and he was going to pay it all off. In hindsight, he was likely pulling out cash advances from mine or even other people 's and giving me that instead! Now the Credit companies think this was fully approved since it looks like I was paying the cards down. In reality, I was frantic and desperately trying to save my credit score that was around XXXX prior to all of this since I had never experienced this level of betrayal before. He soon became extremely difficult to contact, so I spoke to his family and close friends. I learned he has done this to at least two other people who were close friends or relatives. In total, the amount stolen is around {$220000.00}. That's only what we know of! Please be very careful on who you trust, check your statements every month, and cancel your cards as soon as you think something is wrong.
Product: Credit reporting or other personal consumer reports

This complaint has been filed because i check my credit score again and XXXX still with the same problem, so I request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block and delete information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of *a personal credit card account opened at XXXX XXXXXXXX XXXX # XXXX, XXXX Personal credit card at XXXX XXXX # XXXX, *and another personal credit card at XXXX XXXX # XXXX. 

These accounts have resulted in several fraudulent hard inquiries and fraudulent, negative, closed and collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections are the result of identity theft and fraud.
Product: Credit card or prepaid card

I have two Citibank credit cards linked to Costco but usable at other businesses as well. I use one of the cards all of the time and typically do not use the other. I also opened a Costco member credit account for the installation of a new furnace in XX/XX/XXXX. After installing the furnace I started to get monthly robotic calls telling me to go online and check my account. When I went online the only account showing was the card I used. I thought the calls were generated to remind me of the upcoming payment date for the furnace installation. On XX/XX/XXXX I received a personal phone call from a female person who said she was with Citibank. She was asking for personal information which I told her I would not provide until I knew what this call was about. She wouldnt tell me so I told her I did not know why she was calling as I do not want or need more credit, I do not have any past due bills and so I can not think of why she is calling. I told her if she wouldnt tell me what the call was about I was going to hang up and I did.Later I received another call and was able to determine that they were calling due to a 6 month past due bill on the card that I dont use. Through the course of 6 phone calls and over two hours of conversation I found out there were two charges made as follows ; XX/XX/XXXX for gas at Costco {$31.00} and XX/XX/XXXX for a Costco in store purchase of {$100.00}. 
I keep receipts and statements and was able to find a receipt for {$1000.00} but not for the gas purchase although I probably made the purchase. The only bill I had from Citibank for this account was from XX/XX/XXXX where I paid off the existing balance. I was advised that I owed {$360.00} due to finance charges and fees. I told them I would not pay the fees or finance charges as I had no way of even knowing a payment was due. I did not receive a bill, this account did not show up on line and I did not receive any email notification. So how would I know a payment was due. I told the representatives ( I had to tell multiple people the same thing over and over ) that I never got a bill so I didnt know a payment was due. I asked over and over for the call to be escalated to higher level and was told I could get a call back in two days. I resisted having to wait two days but told them to proceed. In the last call I made a telephone payment for the charge amount of {$100.00}. At this time I am concerned that they will continue to add fees while I try to get these unfair fees removed. 
They did not let me know I owed anything as I never got a bill. They directed me to a site where this account didnt show. They refused to rectify the problem when I pointed out the facts over and over again to multiple people. I believe this is an unfair practice to steal money from customers under the threat of damaging your credit. My record for payment is excellent I had paid thousands of dollars to them on my other two accounts where I receive bills.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX DOB XXXX SSN XXXX Submitted request to remove incorrect data from my credit report as of XX/XX/2021 and got no update from credit reporting company. 

XXXX  XXXX Act # XXXX This account is inaccurate. Please remove. 
XXXX XXXX This account is incorrect. Please remove. 
XXXX XXXX XXXX This account is inaccurate and needs to be removed.
Product: Debt collection

I received a bill from a debt collector who's not true because I was using my line 4 years from now. This company XXXX sent a bill for me after I switched back to my company that I left before ( XXXX XXXX  ). This bill of {$390.00} in not correct, because customer don't have to pay to switch it's not law. 
They continue to billing me after I switched, when they call me I explained them that I already switched with XXXX XXXX why they keep charging and send bill at my address. They take all the note and told me that they not gon na send me any bill no more because everything was clear and dispute with their customer service line. 
Now they sent me in collaboration with that bill who are not true. Maury Cobb Attorney at law LLC is the debt collector for that case.