23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My loan was sold from XXXX XXXX company to NewRez about 1-2 months ago. I was set up for automatic payments with XXXX, which was set up automatically with NewRez. We closed on our property ( which is a new build condo ) last year in XX/XX/XXXX. XXXX XXXX   had all of my correct property tax information, and they had me set up with a mortgage payment of {$2200.00} which included principal with taxes & insurance escrowed. The total taxes on the home are {$1800.00} per year. I still don't know exactly how, but NewRez received property tax info that stated my homes property taxes were a little over {$36000.00} per year. After I had made 2 regular mortgage payments of {$2200.00}, they updated my online info to reflect the $ XXXX property tax bill ( without notifying me ), so my new mortgage payment came out to {$9000.00} to account for the $ XXXX required to pay the incorrect tax bill. I only noticed the new payment amount when I logged in to my NewRez online account on XX/XX/19. I noticed the new payment amount, and contacted NewRez right away. They gave me the information I needed, which was to contact the city and get the correct tax bill, which I did, and sent to them that same day on XX/XX/19. I logged in to my NewRez online account today, and see they have made a payment on my account for the {$9000.00}. I called them to see why they haven't adjusted it, and all she could tell me was that she saw I had submitted my property tax bill on XX/XX/19, and wasn't sure why it wasn't adjusted. That she would submit a new request today for a new escrow analysis, and that is all she can do for me. So now I am waiting for a response from NewRez, which she said I should receive in 24-48 hours. 

I'm submitting this complaint, because as a consumer, this isn't fair. My loan was sold without my consent, and the new mortgage company implemented a new payment that reflected a {$36000.00} tax bill when in fact it is only 1/20th that amount. I've been making all of my payments on time, didn't change anything on my end, and all of a sudden they're automatically taking a $ XXXX payment from me on a mortgage that should only be {$2200.00}. I'm also concerned for other consumers that may be getting increased escrow payments, even minimal increases, and go ahead and accept them not knowing it could be incorrect.
Product: Credit reporting or other personal consumer reports

Due to XXXX XXXX XXXX breach, I'm trying to freeze Experian credit report but after creating an account with them, I can not freeze it and getting error message 'Status not found We're having trouble loading your information. Please try again later. ' Under that, it says 'Contact customer care ' which just takes you to another webpage and when I call their number, there are two options : request info via e-mail or access their website which neither of them work properly and the task can not be completed.
Product: Credit card

Synchrony Bank wants to charge me {$7600.00} for a purchase that I did not authorize. XXXX XXXX XXXX XXXX XXXX XXXX  They say the merchant provided a delivery slip, but it is useless if it doesn't have my signature of acceptance. 
I DID NOT ACCEPT THE DELIVERY, I DID NOT SIGN. 

I hope the people responsible for resolving this issue will review the delivery slip carefully and understand that I DID NOT SIGN NOR ACCEPT THE DELIVERY.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS DISPUTE IS XXXX STUDENT LOAN HAS BEEN DISCHARGED AND I AM NO LONGER LIABLE FOR THIS ACCOUNT. PLEASE HAVE THIS ACCOUNT REMOVE OFF MY CREDIT FILE FOR IT HAS CAUSED TREMENDOUS DAMAGE.
Product: Mortgage

In XXXX I was diagnosed with XXXX XXXX XXXX XXXX, I had to have surgury and do XXXX XXXX XXXX. I had obviously gone on XXXX in XXXX. I applied for the loan modification at that time knowing I would lose a lot of income I got ahead, I was already falling behind on my mortgage due to a lot of appointments. I sent in all my paperwork to them in a timely manner, to be exact they got everything they needed within 3 days, since then it 's always been a fight of sending them a paycheck with a year to date income which thru ups XXXX thru teamsters they do n't do that, they just send me a XXXX check weekly. They have my last paychecks stubs from XXXX, and all my XXXX stubs sent in, add them up and they can get a year to date as far as I see it. I ca n't give them a year to date paycheck, but two weeks ago I got paid out for a vacation week cause we sign up for them in XXXX, and it gave me a year to date on it. But it was not good enough for them because it said vacation. WhAt difference does it make. I ca n't help what is happening, all I know is I have been doing exactly was I 'm told and they just wo n't give me an answer, always told I need a year to date stub, short term does not do that. He said he has it noted .i just want to save my home.
Product: Debt collection

I do not have record of this account that ever belonged to me. I've requested on various occasions to send verification from proprietorship however they haven't agreed to my solicitation yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing the presence of unauthorized credit inquiries on my credit report. Several inquiries were made in violation pursuant to Permissible Puruse 15 US Code 1681b ( a ) ( 1 ) ( 2 ) and without my consent or knowledge, which is a violation of my privacy rights and may negatively impact my creditworthiness.

I have not provided authorization for any individuals or institutions to access my credit information or initiate credit inquiries on my behalf. These inquiries were made without a permissible purpose, as defined in 15 US Code 1681b ( a ) ( 1 ) ( 2 ) and under section 604 of the Fair Credit Reporting Act ( FCRA ).

I request an immediate investigation into these unauthorized inquiries and their removal from my credit report. Kindly update my credit report accordingly and provide me with an updated copy once the necessary modifications have been made. 

The unauthorized credit inquiries are as follows : 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 I expect a prompt resolution to this matter in compliance with the FCRA, which stipulates a response within 30 days from the receipt of this letter.

If you require any further information or documentation from me to facilitate the investigation, please contact me at the phone number or email address provided above. 

Thank you for your attention to this dispute. I trust that you will handle this matter with the necessary diligence and professionalism.
Product: Debt collection

I HAVE REQUESTED PHYSICAL DOCUMENTATION OF MY SIGNATURE FOR MY OWN REVIEW NEVER RECEIVED ANYTHING. I have a unverified account from Nelnet Loan Services. I had previously disputed this account. I have never done business with Nelnet Loan Services. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that Nelnet Loan Services DELETED this account UNTIL PROOF OF CLAIM IS PROVIDED. I am requesting that Nelnet Loan Services pick in day in XX/XX/2018, where we can meet in XXXX. I want you bring the original promissory note that I sign and I want to expert document look at promissory note and I will be able prove that you have counterfeit promissory note.
Product: Checking or savings account

I have my Social Security direct deposited to my checking account by ACH at UMB Bank NA, XXXX MO. The bank puts a 5 day hold on it. It is my understanding that deposit crediting rules state that I am supposed to get credit the day following the depsit ( not after a 5 day hold ). The bank 's response was that they do not review ACH deposits and therefore put a 5 day hold on all of ACH deposits. I don't believe that just because they don't want to take the time to review ACH deposits, they should be allowed to disregard deposit crediting rules.
Product: Credit reporting or other personal consumer reports

AFFIDAVIT OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, being duly sworn, depose and state as follows under penalty of perjury : XXXX. My name is XXXX XXXX XXXX XXXX, and I am presently XXXX XXXX XXXX. 

XXXX. My current address of residence is XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX. 

XXXX. The purpose of this affidavit is to attest to the fact that I have never co-signed for a vehicle, specifically a XXXX XXXX XXXX XXXX  with ending account number XXXX, despite claims made by XXXX XXXX XXXX stating that I did. 

XXXX. Upon further investigation, I discovered that my signature was forged in connection with this alleged co-signing, which constitutes a crime under Louisiana law ( La. R.S. 14:72 ) regarding forgery. 

XXXX. I was the CEO of a company that may have been involved with this vehicle, but I have never co-signed for any vehicle, and I am no longer the CEO of that company. 

XXXX. XXXX XXXX XXXX  is claiming that I owe approximately {$15000.00}, which is false and unsubstantiated. 

XXXX. The credit bureaus, including XXXX, XXXX, and TransUnion, are responsible for damages, as they allowed this inaccurate information to be reported on my accounts. According to the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) ), credit reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information they report. However, they have failed to do so in this case. 

XXXX. This inquiry never appeared on my credit report, nor was it reported as if I were co-signing. I did not become aware of this issue until it reached charge-off status. 

XXXX. Had I co-signed, there would have been an inquiry on my report, and my credit score would have been affected accordingly, but this has not occurred. 

XXXX. There exists a conflict of interest, as I have a personal account with XXXX XXXX XXXX, and they improperly shared my personal information to benefit themselves regarding the charge-off of the business account XXXX. The case of XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( XXXX ) illustrates the responsibilities of credit bureaus to ensure the accuracy of reported information. The court ruled in favor of the consumer when the credit bureau failed to investigate a dispute adequately. 

XXXX. In XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ), the court found that credit reporting agencies violated the Fair Credit Reporting Act by failing to correct inaccurate information after being notified, leading to damages for the consumer. 

XXXX. I have never received any Form 1099-C regarding the charge-off. According to IRS regulations, a 1099-C is issued when a debt is canceled or forgiven, which would indicate that the debt was written off for tax purposes. The failure to provide this form constitutes a potential violation of IRS regulations and suggests fraudulent activity on the part of XXXX XXXX XXXX. 


I hereby swear or affirm that the information above is true accurate and complete to the best of my knowledge, and that no relevant information has been omitted.
Product: Credit reporting or other personal consumer reports

DEAR, XXXX I WOKE UP WEDNESDAY, AND PULL MY CREDIT REPORT JUST TO CHECK MY CREDIT. I THEN REALIZED. I HAVE BEEN A VICTIM OF FRAUD... PLEASE HELP ME REMOVE AND DELETE THIS FRAUD ACCOUNT FROM MY CREDIT REPORT. XXXX XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/year>,
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX wronglyreporting on TransUnion Credit report- {$150.00}
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you 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  of Debt Bondage and would like for all listed account to be blocked and deleted company information from TransUnion. 

Please delete the following accounts 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
Product: Debt collection

I just checked my credit report and found some accounts that arent mine. Please remove these fake accounts as theyre affecting my credit.
Product: Debt collection

On XX/XX/2023, I return some merchandise to Home Depot a refund was due to my credit card in the amount of {$670.00}. XXXX statements reflects no there was no refund. I am still making payments, in order to keep my credit in hood standards. I have made numerous attempts to contact Home Depot and Citi whom are the card issuers with negative results. As requested, Ive sent receipts to verify my return of the merchandise and I still have not been credited. My credit report still shows the outstanding balance which is fraudulent.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagging posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal or similar practices, where tranactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account tranactions.
Product: Credit reporting or other personal consumer reports

TRANSUNION is obligated by the FCRA to report accurate accounting. consumer has advised ALL the inquires reported was fraud. said company had 4 days according to LAW to remove such items. FTC fraud report was filed on behalf of consumer, consumer is now requesting TRANSUNION to provide the documentation used to determine inquiry was indeed authorized by the consumer, TRANSUNION has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. consumer is Not asking for an e-oscar report. if TRANSUNION does not have documentation to show these were in fact authorized it must be removed asap. SAID company is liable under the SEC to follow certain rules. TRANSUNION Commission file number XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, South Dakota XXXX i will be filing form 211 treasury omb forms to audit consumers account. TRANSUNION is securitizing consumers data yet refuse to provide consumer a copy of their CONSUMER FILE AND NOT CONSUMER REPORT!
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts and inquiries are not mine they was made without my permission, consent, inquires Southwest credit systems Reported : XX/XX/2023, Opened : XX/XX/XXXX, XXXX or All the above accounts and inquiry is and are fraudulent and according to The Court FCRA these accounts violated my rights in many ways these accounts is pass the statutory limit what the law required under statute 15 USC 1681 B, 15 USC 1681u 1681 section 602 Alpha which states I have a right to privacy, 15 USC 1681 604 Alpha Section 2 which states a consumer reporting agency can not furnish a account without my written instructions or consent, 15 USC 1666 Bravo which states a creditor may not treat a payment on a consumer credit card plan as a late payment for any reason the inquieres must be removed immediately thank you.
Product: Credit card

I received a denial in the mail for a Zales Credit Card, by Comenity Bank. The problem is, I never applied for this card. I will contact Comenity to alert them to this. I suspect stolen identity and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$4400.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXXXX/XX/XXXX ; XXXX  XX/XX/XXXX.
Product: Checking or savings account

Recently I went to a free standing wells Fargo atm located on the other end of town related to where bank is. I have been a member of wells Fargo for many years to include a mortgage and even my sons recent teen account. After my experience I'm a drastically reconsidering this. I made a cash deposit of XXXX, the atm started having issues within a minute of deposit, and said the machine had jammed. Enter your deposit amt or best guess. I entered XXXX. The next day my funds were available. Yesterday in logging on to my account I noted a/an XXXX atm adjustment. Deducting XXXX from my account. I called and spent nearly 45 minutes getting passed around. Finally speaking to XXXX supervisor and the a XXXX XXXX in executive relations neither which could assist me. Rather they said I had to call atm acquisition department. Stating could take up to 10 business days to resolve matter. I expected more from my bank. I work hard for every dime I make and deposit into said bank.
Product: Money transfer, virtual currency, or money service

Issue Summary : I initiated the transfer of {$40000.00} dollars on XX/XX/2020 to my fathers account in XXXX via Bank of America account ending in XXXX. 

I got a notification on XX/XX/XXXX that the transfer is completed. The Bank of America charged me transfer fee of {$45.00} dollars along with {$40000.00}. After one week of completion, I contacted Bank of America and inquired about that my father has not received the funds and what is the status. The wire transfer department said that they will let me know. They called and asked me few questions about the details of income source/proof, relationship to my father and proof of citizenship. All of that info they already have since I have transferred the funds to my father several times using same account to support the family. 

Bank of America confirmed that there is an audit going on by the intermediate bank and they have provided all the information regarding my status of employment/funds/proof of residence. And the transfer should be completed now. 

It has been over a month ; I have been calling them every day to inquire and they are not letting me know about my money. Several times, they have transferred me to fraud department, customer services and even hung up on me that they can not help to retrieve this amount. 

I have cancelled the transfer on XX/XX/XXXX and they assured that I will get my funds back but still nothing. 

I am very frustrated, and it is very evident that they dont want to help me, and they are not making any efforts to get this amount back to me. They have also not let me speak to their supervisor.
Product: Credit reporting or other personal consumer reports

XXXX : OPTING OUT OF CREDIT REPORTING FOR XXXX XXXXXXXX ACCOUNT # XXXX I am writing this DEMAND LETTER to FORMALLY OPT OUT of any credit reporting for the account XXXX XXXXXXXX XXXX XXXX XXXX consumer credit reports. THIS REQUEST IS NOT A VERIFICATION OF ACCOUNT! THIS LETTER AND COMPLAINT ARE SOLELY REGARDING MY LEGAL RIGHT TO OPT OUT OF ANY REPORTING ON MY CREDIT REPORTS. 
Under the Privacy Act of 1974 ( 5 U.S. Code 552a ), I am REVOKING any power of attorney XXXXXXXX XXXX had or has regarding my personal, private information. According to 12 CFR 1016.1, 1016.13, 1016.14, and 1016.15, as a FEDERALLY PROTECTED CONSUMER, I HAVE THE RIGHT TO OPT OUT OF ANY REPORTING ON MY CREDIT REPORT. This letter serves as a CLEAR AND CONSPICUOUS NOTICE of my opt-out request. 
As per 12 CFR 1016.7 ( g ), YOU MUST COMPLY with a consumer 's opt-out direction as soon as reasonably practicable after receiving it. Section 12 CFR 1016.7 ( h ) states that a consumer may exercise the right to opt out AT ANY TIME. Additionally, 15 U.S. Code 6802 REQUIRES the company to provide me with an opt-out notice regarding disclosures of personal information, WHICH I HAVE NEVER RECEIVED. 
Under the Consumer Financial Protection Act of 2010 ( 12 U.S. Code 5511 et seq. ), this subchapter and the regulations prescribed are ENFORCED BY THE BUREAU OF CONSUMER FINANCIAL PROTECTION. I am EXERCISING MY RIGHT TO OPT OUT OF ANY REPORTING on my credit report, and XXXXXXXX XXXX MUST COMPLY as soon as reasonably practicable after receiving this notice. 
Given that XXXXXXXX XXXX has provided UNREASONABLE MEANS TO OPT OUT, I am submitting this OFFICIAL OPT-OUT LETTER in writing. Additionally, I REQUEST THAT ANY NEGATIVE MARKS related to this account be REMOVED FROM MY CREDIT REPORT until this matter is resolved. 

It is the obligation of the credit reporting agencies to uphold and abide by consumer law by removing negative items from my credit reports when advised to do so by the consumer! 
THIS IS NOT A REQUEST FOR VERIFICATION OR VALIDATION OF ALLEGED DEBT. THIS IS A DEMAND FOR THE REMOVAL OF NEGATIVE ITEMS ON CREDIT REPORTS.
Product: Credit card

I disputed in the latest part of our case, number was XXXX. 
XXXX XXXX and XXXX XXXX could not get my full response inside the small box, so I did say that in my pushing dispute I have to open a new number to our case. 
I tried to attach the response letter, but it looked like it did not attach like the rest of my previous attachments did.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my last report from Equifax ( 2020 ) there was a single line statement that reflected the use of my report to XXXX. This was not specifically authorized by me nor had I ever heard of this credit bureau. I have since contacted them directly and through CFPB. The purpose of this notification to CFPB is they ( Equifax ) should be held accountable for this action.
Product: Credit reporting or other personal consumer reports

I request you provide me with proof of these alleged payments being late. If unable to provide or lacking proof of this payment being late, update payment history to paid as agreed never late. XXXX XXXX. Please provide detailed description of all procedures used in your process to determine complete accuracy of information reported. Once you have finished your investigations, send me an update credit report to the address stated above.
Product: Money transfer, virtual currency, or money service

I received a text message from XXXX ( XXXX ) XXXX that claims to be the fraud department from Wells Fargo and asked me if i schedule a transaction for XXXX for {$3000.00} to XXXX XXXX. I replied with No. A few minutes later I received a phone call from XXXX ( XXXX ) XXXX and I followed their instructions and perform a XXXX transaction of {$1400.00} to an account for XXXX. I already gave out my social security number and the transaction is made.
Product: Debt collection

I have sent letters citing the laws within the united states to provide proof that this debt is mine. 

I have gotten no responses and have already asked for proof over a 60 day period. 

I have included the letters i have sent.