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 federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

These Accounts include, ( XXXX XXXX partial account number # XXXX... 
balance of {$910.00}. 
Address ID : XXXX XXXX XXXX XXXX XXXX Partial account number # XXXX Balance of {$200.00} accrued during incarceration. Paid off. Want removed. 

XXXX XXXX XXXX Partial Account Number # XXXX .... 
Balance of {$1900.00} Written Off. Balance Accumulated during incarceration. Being incarcerated led to late payments and closure. 

XXXX XXXXXXXX XXXX Partial Account Number # XXXX .... 
This account is scheduled to continue until the year XXXX. Listed as closed and never late payment although there is a balance of {$2200.00} Would like for all or some above to be removed to better ensure the privacy of my information and credit ) which has has violated my rights. 

15 U.S.C. 1681 Section 502 A mentions 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 ) Section mentions no consumer reporting agency may make any consumer report containing any of the following items of information, any adverse items of information, other than records of convictions of crimes which antedates the report by seven years or more.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate!

My criminal report started with the legal system wrongly framing me for a charge I did not commit in the county of XXXX XXXX XXXX XXXX which put me in the system where I later was in fact in trouble due to living situations after first initial charge. I will attach the hard inquires that have impacted my privacy and Credit as well that I would like condensed to one inquiry or removed as a whole.
Product: Mortgage

First of all Freedom Mortgage is a scam and should be investigated by CFPB. There are stories all over the internet, XXXX, XXXX reviews, etc concerning this shady company jacking up peoples escrow requirements and refuses to provide any real explanation or accounting. 

Personally on XX/XX/23 I received notice that my mortgage payment was increasing by the substantial amount of {$1400.00} monthly. The letter provided no details outside of their being a " shortfall '' in my escrow account. I call Freedom mortgage 3 times before the end of XXXX and no one was able to provide me an explanation. Multiple times I was promised a call back or that a ledger would be mailed to be and I received nothing. 

I have continued to call Freedom Mortgage every other month when my payment is due to demand an explanation and I have never received anything I have been promised and only have encountered increasing rude and increasingly incompetent representatives who also can not explain this. Including multiple times they just hang up when they cant answer a question. 

Out of 18 calls to Freedom concerning this issue only twice have a gotten someone who tries to find an answer and both of these nice ladies have ended up saying " I don't know what to tell you '' and " this doesn't make any sense. '' I am writing CFPB now because yesterday, XX/XX/23, I received my property tax bill. It is within {$100.00} of last year. My insurance for this year is the exact same amount as I paid last year. Nothing has changed. I just gave a shady mortgage company ( Freedom Mortgage ) a XXXX loan at zero interest this year and I am not the only one they are pulling this trick on.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX thru XXXX XXXX  pull a hard inquiry on my credit without my consent. They mislead you by asking you if you authorize SOFT inquiry in your file without affecting your credit but in fact is a HARD inquiry and it actually affect your credit. I called both XXXX XXXX and XXXX XXXX XXXX and they are refusing to remove the unauthorized HARD inquiry.
Product: Vehicle loan or lease

To whom it may concern, I did not authorize a credit check. The credit check came back as an XXXX inquiry, which is the same exact inquiry that XXXX XXXX XXXX pulled. The only difference is that XXXX was authorized to run my credit. The pretext of checking XXXX was used to run a credit check that I did not authorize, and I explicitly communicated this. This makes no sense, as this is not my first time buying a car, and I have never been asked to run a second credit check once I bring a loan approval from my bank. If an XXXX check is needed, then a legal document needs to be produced separately with guidelines and clarity on why the dealership needs to check my credit. There was no disclosure or legal document stating the reason for needing to run my credit. 

I believe you are in violation of the Fair Credit Reporting Act ( FCRA ) for failing to properly disclose the reason for running my credit or providing a legal document that clearly states the reasons for running my credit for XXXX purposes. Additionally, the practice of crossing out the term credit application from a document and telling me youre not running my credit when you are indeed doing so is deceitful. 

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

As I have stated in previous complaints, these credit bureaus CONTINUE to merge my daughter and I. We have disputed our personal information with them OVER AND OVER again. Sometimes it will get removed and deleted but it gets added RIGHT BACK! BOTH OF OUR NAMES CONTINUE TO BE MISSPELLED! WE HAVE DIFFERENT LAST NAMES! SHE HAS A MIDDLE INITIAL AND I DO NOT! OUR DATE OF BIRTH 'S ARE DIFFERENT! OUR SOCIAL SECURITY NUMBERS ARE DIFFERENT! WHEN WE CALL IN TO REQUEST COPIES OF OUR CREDIT PROFILES AND CREDIT REPORTS TO BE MAILED TO US, WE ARE REFUSED! WE ARE BEING ASKED QUESTIONS FOR THE OTHER PERSON! OUR REPORTS HAVE ALSO BEEN MERGED WITH A THIRD AND FOURTH PERSON WHO WE MAY OR MAY NOT KNOW PERSONALLY BUT BECUASE THE SPELLINGS ARE SIMILAR OR BECAUSE WE HAVE SOMETHING IN COMMON WITH THE PERSON, THEIR INFORMATION IS ALSO BEING ADDED TO OUR REPORTS! I HAVE INCLUDED MY DAUGHTER ON THIS COMPLAINT! MAIL HER A COPY OF HER MOST RECENT CREDIT REPORT AND MAIL ME A COPY OF MINE! WE HAVE BOTH CALED AND REQUESTED OUR REPORTS OVER THE PHONE AND HAVE NOT RECEIVED THEM! WE HAVE BOTH REQUESTED OUR REPORTS ONLINE AND HAVE NOT RECEIVED THEM. THIS COMPANY REQUIRES A PHONE NUMBER ON THE ONLINE REQUEST! WE DO NOT HAVE A PHONE NUMBER TO LIST! WE ARE NOT ALLOWED COPIES OF OUR REPORTS VIA ONLINE OR BY PHONE! THEN MAIL US BOTH A NEW COPY OF OUR REPORTS EFFECTIVE IMMEDIATLY! WE HAVE ALSO BOTH REQUESTED SECURITY FREEZES AND NEED OUR PIN NUMBERS MAILED TO US! WE DO NOT KNOW THEM BY HARD! PLEASE MAIL US BOTH A FULL, COMPLETED, PRINTED COPY OF OUR CREDIT REPORTS TODAY! WE ALSO NEED A COPY OF OUR CREDIT SCORES WITH THIS AGENCY!
Product: Mortgage

I was sold per Wells Fargo a fraudulent loan, what was supposed to be a XXXX FHA loan turned out to be a reverse foreclosure loan which requires adifferent set of documents and applications. 

My loan was a violation of federal regulations and with illegal overcharges. 
The sellers were at the closing and received a check for the purchase. 
I was blinded with this being my XXXX home purchase. This is a deplorable acttowards a senior citizen with this being a XXXX and over community. I haveworked long and hard for over XXXX long years as a XXXX and now in myretirement time I find myself homeless. 

Wells Fargo has been unsympathetic regarding this matter. I have beenphysically ill and hospitalized over this matter. My siblings and I were taught topay our bills and follow the law, but what I have found is an unjust sentence inmy golden years. My life is at a standstill and I find myself aborted back to XXXXyears ago when I was capable of working XXXX hour shifts, This has become aliving nightmare.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXXXXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$3300.00} XXXX XXXX Balance XXXX {$910.00} XXXX XX/XX/2022
Product: Credit reporting or other personal consumer reports

The companies Iam reporting= companies name XXXX XXXX XXXX XXXX XXXX XXXX and other company under the same company they all are one company with different names. I called XXXX XXXX XXXX and was told that these things on my credit report should be being reported under XXXX XXXX not me but due to me having the same address some how it was incorrectly reported on my credit report. The collection agent from this company told me the credit agency such as experian had to be the one to report that it is being falsely reported under me because some how she meaning XXXX XXXX is a alias on my report. Ive asked that anything associated with XXXX  XXXX be removed from my credit report she is my mother an we did have the same address as I lived with her but she should not be on my credit report as a alias they have confirmed that she is the one responsible for these transactions that are being reported on my credit report. I contacted a representative and relaid what the companies told me an what they said I had to do to have these things removed and the person from XXXX told me to make a payment to them to further investigate and fix the problem.. all it takes is a phone call to the collection company to fix and they acknowledge that these transactions are suppose to be reported under XXXX XXXX not me and Ive spoken XXXX a representative at XXXX and I can not get anyone to fix the problem causing me to have major problems
Product: Credit reporting, credit repair services, or other personal consumer reports

Another name is showing up on my credit report. Multiple addresses are reporting on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Checking or savings account

I was charged two over draft fees at the same time because my account became negative the day before my paycheck arrived. These charges were not supposed to post until the following business day but by error were charged a day earlier. Its egregious to charge for each transaction despite them being in error. Im a loyal US bank customer and for them to pile on the over draft fees the day before I get paid is terrible customer service and they refuse to even listen to the customer. Im a student and US Bank is a large corporation. Stealing {$72.00} from me is greed in its finest form.
Product: Debt collection

In mid XXXX  ( XXXX ) we moved into our apartment, got offered through the company XXXX XXXX for water deliveries, coming straight to the door and a water dispenser. Had them for about a year and found out I was deploying in XXXX of XXXX so I moved my wife back to family in Florida transferred the account where we continued the account for about 5 months before my wife moved back up because I was coming home. Canceled the account in that process and verified on multiple accounts that our account was paid in full and that there would be 0 surprise bills, all were negative, everything was paid, and no bills would come. Now, we've been getting calls from a debt collector saying we owe XXXX of dollars, we owe on the water dispenser, we owe for late fees, and the company can't even get into our account to tell us what it is we owe on. I've looked into this problem through XXXX XXXX and it has apparently happened to multiple people, same problems cancelling accounts, somehow months later their account isn't cancelled its suspended for missed payments. I would like this to be solved to prevent scares to other people who as well thought this would be a great deal.
Product: Credit reporting or other personal consumer reports

I keep receiving a bill from my XXXX account. The account is ending with XXXX. The current balance as of XX/XX/2023 is {$450.00} and minimum payment due is {$260.00}. I have no idea where it came from. XXXX XXXX XXXX keeps sending me a bill which I have not authorized and charging me an excessive amount of interest every month. This is not acceptable. It ruins my credit score. The transaction is a fraudulent activity done by someone else. I have not purchased any items using XXXX. Please contact the XXXX XXXX  XXXX XXXX XXXX to fix this issue and recover my credit score as soon as possible. 

I am a person with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I only pay for what I have purchased. Thank you for your help. 

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

I am writing to formally dispute inaccuracies in my personal information and request corrections and updates to my credit report pursuant to Section 611 of the Fair Credit Reporting Act ( FCRA ). After reviewing my report dated XX/XX/year>, I identified the following discrepancies : ________________________________________ Incorrect Information to Be Removed : 1. Incorrect Names : XXXX XXXX XXXX XXXX 2 . Incorrect Addresses : XXXX XXXX XXXX  XXXX, OH XXXX XXXX XXXX XXXX  XXXX, OH XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Comenity Bank for failing to validate the accuracy of the following accounts on my credit report : XXXX Account Number : XXXX XXXX Account Numbers : XXXX, XXXX XXXX Account Numbers : XXXX, XXXX Despite submitting disputes and requesting validation over 60 days ago, Comenity Bank has not provided the legally required documentation within the 30-day timeframe mandated by the Fair Credit Reporting Act ( FCRA ). This failure to validate has led to the continued reporting of inaccurate and unverifiable information, causing financial harm and emotional distress. 

Specific Violations Failure to Validate Debt Violation : FCRA 611 ( a ) ( 1 ) ( A ) Failure to verify disputed information within 30 days.

Failure to Ensure Accuracy Violation : FCRA 607 ( b ) Obligation to ensure maximum possible accuracy in reporting.

Failure to Delete Unverified Information Violation : FCRA 611 ( a ) ( 5 ) ( A ) Requirement to delete items that can not be verified within 30 days.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX # XXXX, has violated my rights. I looked at my Experian 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 supposed 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 supposed 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

Back in XXXX 2016, we sent a request to Freedom Mortgage for a short sale on XXXX XXXX 's loan. We had trouble with the Servicer getting the Foreclosure postponed. I reached out to XXXX XXXX 's VA Rep for assistance. He has been very valuable in getting communication from Freedom regarding this file. Freedom is now telling us that they will not proceed with a short sale unless they have a purchase price of {$180000.00} which is the XXXX determined by the Appraisal. The Manager that I spoke with this morning named XXXX said that this is VA requiring the purchase price of {$180000.00}. So once again I reached out to our VA Rep and this is what he told me : " Good Afternoon, The net proceeds that need to go back to mortgage company at time of short sale closing is {$150000.00}, not {$180000.00}. If the loan is delinquent, which it is, the servicer will contract-out for property maintenance. These are fees that can be claimed with VA by the mortgage company if the loan is not paid in full ( which this is the case because this is a short sale situation ). Please let me know if you have any other questions. XXXX XXXX. '' this was my response : XXXX, The net amount going to the Servicer is over the {$150000.00}. If you look at the XXXX attached XXXX the payoff to Freedom is {$160000.00}. 
They will proceed unless we have a purchase price of {$180000.00}, which puts the payoff to the servicer of {$160000.00} XXXX cd attached.Is there anything that you can do to help? '' It appears that Freedom is doing a big disservice to XXXX XXXX 's loan and trying to obtain a higher payoff in a short sale. This appears to be fraud if the VA is requiring a lower amount than the servicer.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, Transuion, XXXX credit XXXXeporting agency , block 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent 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 # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

The company Firstsource Advantage , LLC has already been sent forms requesting validation of debt they are attempting to pursue as well as a request form stating all communications be handled via written and mailed forms to the correct address. They have resulted in phone number cloning and reaching out to others who are not myself with false statements. 
XXXX Called my Mother In Law with false statements that I authorized the use of her phone number for contact XXXX Called my husband 's cell phone and left no message. 

They called me many times with no messages and have continued to utilize phone number cloning to hide their identity in an attempt to work around my request for written communication only. 

My most recent mailed communication to them was sent on XX/XX/23 once again requesting a validation of supposed debt.
Product: Checking or savings account

Date : XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, CA XXXX Consumer Financial Protection Bureau Office of Complaint Response XXXX XXXX XXXX. 
XXXX, MD XXXX Dear Consumer Financial Protection Bureau : I am writing to express my concern regarding Wells Fargos practices concerning overdraft fees. There is a systematic pattern of exploiting consumers through excessive and unjustified charges. 

On XX/XX/year> I was slammed with a {$35.00} over draft fee for a pending amount and debit. The basic issue is that Wells Fargo has a practice of reordering debit transactions to increase the likelihood of overdraft fees, along with allowing pending debits to be used to overdraw an account so it triggers overdraft fees on an account. 

Unlike traditional banking practices, Wells Fargo has implemented a policy of routinely processing debit transactions that overdraw accounts and subsequently imposing a {$35.00} overdraft fee, even for minimal amounts. Furthermore Wells Fargo pushes processing and bank cut off posting time several hours into the next day so it possible to incur overdrafts on a debit that has not even posted or occurred that same day. Also, inter account transfers are not posted until after cutoff times, meaning that its better to deposit cash directly into an account than it is to make a transfer between accounts. Cash gets posted immediately, account transfers get posted hours after cutoff times or past posting date. This practice appears to be deliberately designed to maximize revenue rather than to serve the best interests of customers. 

Furthermore, the banks refusal to allow customers to opt out of overdraft protection exacerbates overdrafts. This lack of consumer choice is particularly troubling given the potential financial hardship these fees can cause. 

The practice of reordering transactions to increase the likelihood of overdraft fees is dismaying but it the above patterns of doing business that hurts consumers and creates mistrust of the banking system in general. This manipulation of account activity is unethical and demonstrates a disregard for customers financial well-being. 

I believe these actions constitute unfair and deceptive business practices. Wells Fargos policies are not only financially harmful to consumers but also erode trust in the banking industry. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, CA XXXX ( XXXX ) XXXX XXXX See attached :
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, it says that my debt was deleted by PDQ services in XXXX georgia on XX/XX/2020. I called PDQ services on XX/XX/2020 to receive a letter stating that the information was deleted but PDQ Services claim they have no information of me in their system. I recently applied to an apartment complex and the complex denied me stating that there is a collections on my report called PDQ services. I called PDQ again on XX/XX/2020 and I was still informed that there is no record of me in the system.