23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTICE REGARDING IDENTITY THEFT NONPUBLIC PERSONAL INFORMATION WAS COMPROMISED. BLOCK AND DELTE IMMEDIATELY SEE ALLEGED ACCOUNTS BELOW. 

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

I just check my credit through XXXX 's website and i noticed a fraudulent account on my credit report along with a bunch of unauthorized credit inquires. Before reaching out to XXXX, Equifax and XXXX, i took the time to reach out to each and every company that the fraudulent account and credit inquires was submitted. I did not do business with such company. I always get email from XXXX stating that my information was on the dark web. I was also affected by the Equifax breach. I have attached the identity theft report along with my social and drivers license.
Product: Mortgage

From the outset of the loan process, I encountered numerous issues with Vanderbilt Mortgage. Even before loan disbursement, discrepancies arose regarding my escrow account. The initial escrow estimate, which included inflated property tax and homeowner 's insurance figures, was significantly higher than anticipated. Despite raising these concerns from the beginning, I was consistently informed that these were merely estimates, yet they proved to be substantially inaccurate. 

Throughout the loan term, I experienced financial hardship and sought assistance. However, Vanderbilt Mortgage provided no proactive support or viable options until I contacted the Department of Housing and Urban Development ( HUD ). Only then did they inquire about my financial situation. Despite submitting documentation, including medical expenses, demonstrating my financial constraints, my requests for assistance were repeatedly denied. Vanderbilt Mortgage never formally requested supporting documentation prior to my HUD contact, instead relying on subjective assessments of my ability to repay the loan.

Furthermore, during the initial loan phase, Vanderbilt Mortgage mandated the payoff of all outstanding credit accounts, severely depleting my available cash reserves. While I attempted to prepay certain loan-related expenses, such as the land survey and a portion of my homeowner 's insurance ( which I secured for {$750.00} compared to their quoted {$1200.00} ), Vanderbilt Mortgage refused to allow prepayment of other costs. This restriction, coupled with the forced credit payoffs, left me in a precarious financial position. 

Adding to these difficulties, my loan payment amount was altered over six times during the lending process. This resulted in misinformation and required intervention from upper management, who acknowledged the errors and cited my case as a training example. In my experience, Vanderbilt Mortgage 's representatives have been consistently unhelpful and, at times, aggressive in their approach.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been submiting disputes to Equifax for over 8 months and i feel than I am being treated " UNFAIR '' which is a direct violation of multiple united states codes. I have submitted numerous documentation and made countless phone calls to seek help with inaccurate information on my consumer report. Every agent and or rep that I spoke with have been using obscene and profane language with me causing punitive damages to me as the consumer and in addition to the reps not attempting to help rectify inaccuracies. According to 15 usc 1682 ( a ) ( 1 ) a ) '' ( Accuracy and fairness ) of credit reporting. The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. In addition to that Equifax have violated federal united states code by assumed a vital role in assembling and evaluating consumer credit and other information on consumers and was never given written consent as needed as defined in 15 usc 1681b ( a ) ( 2 ) ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Product: Credit reporting or other personal consumer reports

I have repeatedly requested negative/incorrect information from XXXX XXXX from my credit report with Transunion and XXXX. on XX/XX/year>, XX/XX/year>, XX/XX/year>. Via dispute letter along with my XXXX XXXX Police report, and my Federal Trade Commission 's Identity Theft report. I have been told that THEY ARE NOT removing the item from my report because they " Transunion '' does not remove items from My report. I spoke to an agent who gave me their name as XXXX XXXX. This item has been reported on my credit profile for 7 years, in which i requested it to be removed in accordance with FCRA. This account has been sold to XXXX XXXX XXXX XXXX and is incorrect. However also the account shows late payments reflecting the dates of XXXX XXXX, when the federal government forgave consumers for late payments on credit profiles due to covid, and consumers not being allowed to work. I have tried rigorously to work with the credit bureau and have not received respect nor help.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX  which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. XXXX XXXX XXXX XXXX  bal. {$57000.00}, XXXX XXXX bal. {$8400.00} and XXXX XXXX XXXX bal. {$420.00}
Product: Credit reporting

My spouse and I have sent the credit bureaus multiple dispute letters certified with documentation supporting our claims and they have completely disregarded our concerns. There is a debt and some late payments reporting inaccurately and we are trying everything in our power to get it rectified. Hoping this process will make them take us seriously.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is  continuously reporting inaccuracies on my credit file. I have tried several times on their website to report these inaccuracies with supporting documentation but they will not look at or follow the law. Under FCRA 611 ( a ) ( 6 ) and ( 7 ) 15 USC 1681i they are supposed to provide me with " PHYSICAL, '' proof of their investigation, not speculating by just saying " verified, '' " remains, '' and " Meets requirement of the Fair Credit Reporting Act. '' That is n't a form of verification. No where in the FCRA does it state that is how you verify the items. I have asked to see contracts, contact information of who they spoke with from each inaccurate account and they still do not provide any of that information. None of these accounts have even been properly investigate d and they are breaking the law!   Attached is my dispute with all relevant information to each inaccurate account and inaccurate personal information.
Product: Mortgage

XXXX XXXX XXXX has tried to settle for {$1000.00}. I have the physical checks. 
There is no Modification that was offered. I pulled every document for SLS and nothing was offered. 
I am now employed Full Time and unable to pay the {$35000.00} owed. 
I can provide documentation that no Modification was every offered. 
My debts are exorbitant. 
I have XXXX  children in elementary school.

I have no retirement.

It is untrue that a Modification was offered. If it was offered, as I stated, it was never sent to me.

As of today, all Collection notes have not been provided. I request for this to be provided to CFPB in order for me to obtain.

I continue to be ill. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I needed this in order to get a job, be more marketable. 
Respond to CFPB where I can send a trial payment of the {$800.00} you had previously claimed to have offered
Product: Debt collection

Dear CFPB, I am writing to dispute the unlawful collection practices of Williams Rush and Associates LLC ( the " Collection Agency '' ) and request an investigation into their violations of federal law. 

Violations : 1. 12 CFR 1006.34 ( b ) ( 5 ) : The Collection Agency has not provided validation information, as required by law, yet has placed a collection on my consumer report.

2. 12 CFR 1006.34 ( c ) ( 4 ) ( I ) : I have not been given the opportunity to dispute the account, as required by law.

3. 15 USC 1681s-2 ( 7 ) ( A ) : The Collection Agency has furnished information to consumer reporting agencies without providing required disclosures.

4. 12 CFR 1006.34 ( d ) : The Collection Agency has used false, misleading, and deceptive means to collect the debt.

Revocation of Communication Rights : Pursuant to 15 USC 1692c ( c ), I hereby revoke all rights of Williams Rush and Associates LLC to communicate with me through : - Phone calls- Text messages- Email Request for Purchase Agreement : I request a copy of the purchase agreement between Williams Rush & Associates LLC and the original creditor, as required by 15 USC 1692g.
Product: Checking or savings account

My account was " temporarily restricted '' on XX/XX/2019. All I tried to do was transfer funds into the account from a linked external account. I've attached the email at the end of the complaint. 

It has not been more than two weeks and my funds are frozen. No transfers in or out are allowed. I have absolutely no access to my funds. 

Moreover, no explanation as to why my account has been frozen has been given. All I was ever told was " We are still reviewing your account because our system alerted us to some inconsistencies between activity on your account and the terms of our member agreement. We do not currently know what specifically those inconsistencies are and that is why we are taking the time to review everything before we reach out to you with an update. '' Even after I asked them about which sections or clauses of the member agreement were violated, they never got back to me. Customer Service has absolutely no information on this. They haven't made any progress on this " review '' after I've repeatedly made it clear that there has been no fraudulent activity on this account. 

-- -- -- -- -- - Original Email : " Hi X, We take the safety and security of our Members accounts very seriously. For your own protection, your SoFi Money account ending in XXXX has been temporarily restricted. 

While we review your account and determine next steps, you will not be able to perform : Deposits or withdrawals from your account Electronic or check transfers to or from your account including Bill Pay Debit card purchases P2P transactions In the event we need additional information for our review, we will contact you directly. We will also notify you once the review is complete within the next 7 to 10 business days. We appreciate your patience while this process is completed. 

Best, The SoFi Money Team SoFi Securities LLC ''
Product: Checking or savings account

XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX  Cell : ( XXXX ) XXXX Email : XXXX XXXX XXXX XXXX . XXXX . XXXX XXXX XXXX, XXXX. XXXX Dear Sir/Madam : I am writing to you in regards to my complaint of an unfair and unfounded investigation by Bank of America ( BOA ) with my account. There were approximately three ( 3 ) illegal activities/transaction ( s ) on my account ; that was brought to my attention by BOA and this was the result ( s ) of the issue that follows : On or about XXXX the XXXX, XXXX ; between the hours of XXXX XXXX  and XXXX XXXX, I had received a text from Bank of America ; asking if I had approved a transaction for XXXX XXXX XXXX XXXX Dollars ( XXXX )? I immediately called the bank and advised them that it was not me ; consequently, please do not approve that transaction. They then advised me that my card was being used in the state of Iowa. I advised the Customer Service Rep. that I only use my card in New York, and had never been in Iowa. The BOA representative advised the undersigned, that the card was used three times totalling {$4500.00} and transactions were pending. I advised the Rep. not to disperse any fund ( s ) /transaction ( s ). I later found out that the transaction had gone through without my approval or authority to do so. I then visited a Bank of America near my residence to inquire further and that's when I found out that my personal information was stolen/changed. Bank of America showed me an Address of XXXX XXXX XXXX XXXX XXXX XXXX , Ar . XXXX. I know or havent known anyone ; nor have I ever visited Arkansas. I requested that BOA conduct an investigation on this issue, and to replenish back the funds to my account because those actions were fraud. The funds taken out by fraud were replenished about two weeks later ; but, was taken back out of my account on XX/XX/XXXX. XXXX. After I had found out the action that BOA had taken, they stated that because my card was always in my position and was not stolen, it's either I used it or gave someone the card to be used ; because the chip can not be duplicated. 

This statement/investigation from the BOA is unequivalently not true and totally incorrect. I am asking for your help in this matter and or your advice on how I can further get this matter resolved, and to have BOA replenish my funds back in my account. BOA is engaged in unfair practices and not abiding by FDIC agreement/policy. 


Yours truly XXXX XXXX
Product: Credit reporting or other personal consumer reports

I received a fraud alert. Signed onto my XXXX XXXX account. There was a phone number. Found out it was a woman by my same name on my Equifax account. She had called to reset her password and they gave her my account without asking any information. She said her name was XXXX XXXX. Did not check birthday, social security number or even address or phone number. Just her name. Now I can't get it fixed or even get my password changes. They told her it would take XXXX or XXXX days. My credit report is in the hands of a stranger and I can't fix it. Someone needs to be held accountable for letting someone into my credit report with Equifax. I need this fixed.
Product: Debt collection

I submitted a complaint to the XXXX XXXX XXXX regarding a billing matter and credit dispute with XXXX XXXX and they said they would look into the matter but they would cease communication and they keep calling me from spoofed numbers and I told the XXXX XXXX XXXX to reopen my complaint because they were harrassing me and they did not comply
Product: Debt collection

SINCE WE made contact, I spoke with XXXX  at common wealth aka debt collector in Texas. I told them exactly how and why I'm being charged for a {$45.00} x-ray and not XXXX XXXX. Anyway where the XXXX did common wealth or whoever before them made a {$45.00} x-ray could cost so much?! I explained to XXXX that I'll pay the owed debt of {$45.00} dollars for the x-ray and offered to go ahead and pay XXXXXXXX XXXX and call it even. We refused many times for showing me to make a payment. He continued refusing my requests replying with I can only pay the full amount that's it, no questions asked, no answered questions. There way or the highway. I offered to pay the original owed debt that doesn't even belong to be. And pay extra on top of the owed debt that doesn't even belong to me from the beginning. 
Thank you for the help of these corruption medical/credit industries, theft, fraud, identity scams PREVIOUSLY SENT TO YOU I was under the authority of XXXX XXXX sheriff 's department I was XXXXXXXX and under their supervision I denied Medical Services numerous times and against my will they forced me XXXX me took me to the hospital ran a bunch of x-rays on me claiming my bones were broke in which they were not and now they're trying to make me pay for it I don't think so they need to go after XXXX XXXX like I've stayed in multiple times under multiple disputes that I am not responsible for any of that after time and time again I refused everything and I'm tired of the harassing voicemails calls during work Church all hours of the day and night I'm just fed up and you guys are my final hope!
Product: Credit reporting or other personal consumer reports

I recently received a copy of my ( XXXX, XXXX, or TransUnion ) credit report, and I noticed some late payments posted on my credit report. 
XXXX XXXX XXXX Late payment dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Your company is in clear violation of the law. Under XXXX XXXX XXXX - permissible purpose of consumer reports, THE LAW CLEARLY STATES : IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations.

Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Ive requested multiple times to launch an investigation and send me proof off such late payment an deletions of these violations
Product: Checking or savings account

XX/XX/XXXX  - Account application was submitted online through promotion web page at https : //www.citizensbank.comXXXX XX/XX/XXXX  - Received account opening email advising account was activated and ready for use XX/XX/ - {$500.00} XXXX received from employer to meet Direct Deposit requirement of terms. 

XX/XX/2023 - Did not receive promotional bonus as advertised on webpage in disclosures at bottom XX/XX/2023 - Called customer service at XXXX in order to ask about promotion. Spoke to a customer representative who stated the promotion explicitly said account had to be opened from XXXX for that promotion. Asked to speak to a manager and the manager repeated the same information, that the account opening/application was outside of the promotion dates. 

The promotion eligibility states " To Earn Bonus : To earn a {$300.00} bonus, open your first new personal checking account between XX/XX/2023 and XX/XX/2023 and have at least one single direct deposit of {$500.00} or more post to your new checking account within 60 days of account opening. ''
Product: Mortgage

My mortgage is serviced through Ditech. I have PMI on my mortgage. I performed a substantial amount of work on the home and I called Ditech to ask what the procedure is to remove the PMI due to increased value of the home. The representative stated that I needed to order an appraisal and forward it to an email address she provided. I specifically asked if I could order the appraisal myself and she stated that was their procedure. I informed her that I was having an appraisal done by another lender as part of a HELOC application and I asked if could use that appraisal and she said absolutely. I submitted the appraisal as instructed and was called a day later by Ditech informing me that they could not use the appraisal as they need to order the appraisal. When I pointed out that this was in direct conflict with the information I was given the representative acknowledged that I was given the wrong information and promised to escalate the issue to her supervisor for an exception. I got a call today ( 4 days later ) informing me that they can not use the appraisal and would be willing to reimburse me for the cost of the appraisal if I provided them a bank statement showing the appraisal fee being paid from my account. This is not satisfactory as I want to eliminate my monthly PMI of {$100.00} per month and I followed the protocol they provided.