23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Wells Fargo is refusing to honor their letter stating that the XXXX % threshold to drop PMI was met. I used their appraisal company to appraise my home which cam is at XXXX % PMI. After they charged {$400.00} for the appraisal they sent a " new '' letter saying the entire increase in the value of the home must be due to structural improvements. When we proved this was the case they stated the value must be the cost of stuctural improvements not the increase in value due to the improvements. This was never made clear as they gave me the initial requirements. I called and spoke to several reps before beong escalated to the top team members who not only refused to drop PMI but would n't even refund the appraisal portion of my inquiry. This was downright misleading from the beginning and an increase in revenue for them as I followed their letter to the the T and nothing was changed.
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX is accredited by the North Carolina Attorney General and my XXXX was given authorization to make Determinations under the Debt Bondage Repair Act. 

XXXX XXXX XXXX assisted multiple victims/survivors of XXXX XXXX with self-attestation letters to block information associated with XXXX XXXX. Equifax is refusing to block information from XXXX XXXX victims files after submission of all required documentation. 

Equifax is being negligent and taking discriminatory actions against these victims which is causing further harm to the victims/survivors. I have documentary evidence on how Equifax has blocked some victims information on the reports and denied other victims request for blocking information even though the documentation provided was the exact same. 

Equifax is also denying due process to some victims after the submission to block information by stating they are sending XXXX notices to rectify the block request and never sending the stated notices to the victims. 

Equifax is depriving the rights of XXXX XXXX victims. These victims are looking to pursue legal action through the Attorney General because the XXXX does not have a private cause of action in XXXX XXXX. Although, there are state laws that these victims can pursue for the violations. 

I am requesting that the CFPB take action in investigation the deceptive, discriminatory and unlawful actions taken by EQUIFAX against these victims of XXXX XXXX and the laws to protect them under XXXX and the XXXX.
Product: Checking or savings account

XXXX I had discovered I had theft/violanted on my checking-saving accounts.The total amount was XXXX same day I notified Wells Fargo claims XXXX documented claims.The XXXX XXXX advised me to close XXXX Went to wells fargo spoke to XXXX XXXX closed accounts.I said what about XXXX XXXX XXXX told it would be fine. XXXX fraud on my XXXX Called fraud dept. letters from Wells Fargo stating the transactions were from an online secure session by me or someone that had my authority.I have never used XXXX nor did i give authority.Since XXXX until XXXX have been denied. It amazes me that when i was back in the bank on XXXX i wanted my XXXX removed I was told that it couldnt be by XXXX and XXXX but they could secure XXXX I received a letter from XXXX denied again but As of current im enrolled. I did not request XXXX want proof how am I suppose to provide proof when my identity was stolen. I have contacted the FTC, CFPB, XXXX, XXXX offices, FBI, and local media. I was offered a mediator from WF but havent heard anything.As of XX/XX/year> my funds are still not recovered
Product: Prepaid card

Multiple accounts including the irs, prepaid bank cards, loans, etc have been opened in my name. Ive been XXXX  since XX/XX/year>. And XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, I deposited a certified bank check from XXXX XXXX bank into our joint checking account at Citibank. The teller was unsure about how long it would take or even the process involved. I became concerned when, after nearly two months, the check was not deposited. I called Citibank and the first representative with whom I spoke could find no reference to my check. I was then transferred to the Investigative Department who also could not locate the check within their system and I was instructed to go to the branch where I had deposited the check, which I did. 

The manger with whom I spoke also failed to locate the check and kept insisting that it could not be found was that it was in " collections ''. She also informed me that the standard turnaround time for an international check was two to six months. She also said that I should have had it wired into my account because there was a {$35.00} fee (! ) for checking services. I can assure you, if I had known that there was going to be a two to six months wait on a certified bank check and, that I was going to be charged {$35.00} for the luxury of this service, I would have never deposited it into my account. 

As of this writing, my check has still not been cashed and deposited nor can it be located within their system. Ever since the pandemic, my wife and I have been living paycheck to paycheck and were depending on this money to help pay bills. Because of Citibank 's incompetence we have accrued late fees, had the electricity turned off once, amongst other things.
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

TRANSUNION XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX has violated my rights. 


I looked at my TransUnion Equifax Experian credit report on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Bank account or service

Suntrust Bank has consistently denied access to our available and deposited funds in our account under the guise of account security. We are making purchases for items for resale and they are consistently declined - for the SAME vendors - repeatedly. These are our daily vendors that we buy from EVERY DAY. We have called and asked that this be stopped as we will continue to make these purchases to fill our orders but they REFUSE to make any accommodation. This is outright denial of use of the funds in our account.
Product: Debt or credit management

In XXXX of 2019 we started working with this company to reduce debt. Our total debt was {$38000.00}. We were to pay {$540.00} a month for XXXX months. The estimated settlement was to be {$15000.00} with estimated total savings of {$11000.00}. They did not work with the creditors ; 3 times we were served by the sheriff 's office to appear in court. Causing me to have to take off work. When this nightmare is over, we will have paid them a total of {$41000.00}. That is {$3600.00} more than if we had worked with the creditors ourselves without any savings. Plus, the extra 28 months over the time they said they could fix our debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a collection on my credit report 's all XXXX of them by doing a dispute online and then by letter asking to remove inaccurate credit information ( XXXX XXXX XXXX ) bought a bad debt which had been charged off by the original creditor that has fallen off my credit report, I did not have a contract with them and they are reporting on my credit report and by law you must not report any inaccurate information on my credit report and that is inaccurate because I didn't have a contract with XXXX XXXX XXXX, when I checked with XXXX I was told it was valid!
Product: Debt collection

Recently, Deville Asset Management placed a collection account on my credit report for {$5700.00}. Prior to this account appearing on my credit report, I did not receive a notification of my right to dispute. They claim that they did not have to send me any notice, because the original creditor had already been reporting this account on my credit report. What the original creditor reported on my credit report has no bearing on what a collection agency puts on my credit report. They are still bound by the laws of the Fair Debt Collection Practices Act, and they are violating my rights under federal law. Furthermore, I don't even owe any money to the company they claim to be collecting for. I called them directly myself, and they show my balance as {$0.00}, and they report it as {$0.00} on my credit report. Deville has not once given me the opportunity to contest the debt, and they continue to violate multiple state and federal collection laws daily.
Product: Credit reporting, credit repair services, or other personal consumer reports

1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these account and inquiries deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged 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: Credit reporting or other personal consumer reports

My name is XXXX XXXX and I currently reside at XXXX XXXX XXXX XXXX XXXX, CA XXXX. My date of birth is XX/XX/XXXX and my Social Security XXXX is XXXX. I am writing to you regarding a few discrepancies I have encountered in my credit report. I am a victim of identity theft and I need your help to remove these fraudulent accounts from my credit file. While checking my credit report, I noticed an account I did not authorize made by the following that I will be listed below. I have never authorized any of these employers/employees at these companies to approve or view my credit report. This is a serious breach of my privacy rights and violates the Fair Credit Reporting Act 605B. I would like to request that these accounts be immediately removed from my credit file that Experian has under my Social Security Number. I am requesting that you place an immediate block on the following fraudulent information in my credit file within 4 days of receipt of this correspondence. 
Also, I found fraudulent addresses. Please block this fraudulent information per section 605B, 615 ( f ), and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. 
FRAUDULENT ACCOUNTS! 
XXXX XXXX Balance : {$350.00} Balance Updated : XXXX XXXX, XXXX Credit Limit : {$300.00} XXXX XXXX : XXXX Date Opened : XX/XX/XXXX Account Type : Credit card XXXX XXXX Balance : {$2300.00} Balance Updated : XXXX XXXX, XXXX XXXX XXXX : {$2000.00} XXXX XXXX : XXXX Date Opened : XX/XX/XXXX Account Type : Credit card FRAUDULENT ADDRESSES! 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Mortgage

Wells Fargo sold their TAINED ( forged government documents ) Reverse Mortgage 's book of business to HUD
Product: Mortgage

Despite my repeated requests to stop calling me, I keep getting calls from " Guaranteed Rate Mortgage ''. My last e-mail was to XXXX XXXX ( XXXX ID : XXXX ), XXXX XXXX XXXX, who has clearly ignored my requests.
Product: Credit reporting, credit repair services, or other personal consumer reports

With the new federal law that recently went into effect, I decided that I wanted to establish a Credit Freeze with the 3 major credit reporting agencies. I had no problem registering and establishing the credit freeze for myself with both XXXX XXXX and XXXX. My complaint is with Equifax. I was able to establish my login UserName and Password on Equifax 's web site back in early XXXX, but then was not able to turn on the Security Freeze. Every time that I have visited their site since then, I have been unable to even login to their site - with the goal of establishing my Credit Freeze. I have called their Consumer Care Agent 4 different times ( at XXXX ), and each and every time, I was told the same very specific response : " We are experiencing problems with our servers at this moment. Please revisit our web site again in 13 to 60 minutes from now and try again. '' Yes, they were very specific : " 13 to 60 minutes ''. I believe that is just a " canned answer '' that they are reading from a script. This has been going on for 2 months now, so I feel that I have no other place to turn, other than to lodge this complaint with the CFPB.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$21000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$24000.00} XXXX XXXXXXXX Balance : {$21000.00} XXXX XXXX XXXX XXXX Balance : {$25000.00} XXXX XXXX Balance : {$500.00XXXX XXXX  XXXX Balance : {$21000.00} XXXX XXXX XXXX XXXX Balance : {$24000.00} XXXX XXXXXXXX Balance : {$500.00}
Product: Credit reporting

I contacted XXXX XXXX to request proof of validation regarding to account # XXXX. The furnisher was unable to locate anything related to the account due to the fact that it was never late. According to them, XXXX XXXX could not find any validations or information on their files pertaining to this account. I do n't quite understand why the bureaus continue to verify these late payments, when in fact they were never validated by the original creditor. According to section XXXX of the FCRA, the CRA 's are required to remove this account from my credit report due to the fact that it 's not accurately reported. In addition, pursuant to regulation Z, TILA, and the Credit Billing Act, set forth CRA is required to cease and decease all negative reporting including the late payments. In accordance with section 611 of the FCRA, all of the parties involved are required to comply accordingly.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Experian, XXXX, and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX Balance : {$440.00}
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXXXXXX XXXX Balance : {$870.00} XXXX XXXX Balance : {$830.00} XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXXXXXX Balance : {$870.00} XXXX XXXX Balance : {$830.00} XXXX XXXX XXXXXXXX Balance : {$23000.00} XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX Balance : {$870.00} XXXX XXXX Balance : {$830.00} XXXX XXXX  XXXX Balance : {$23000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$10000.00} XXXX XXXX Balance : {$1300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

To : XXXX XXXX XXXX, XXXX and XXXX ; XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX d/b/a TransUnion This complaint serves as my FINAL opportunity to cure and request for Monetary relief. In my previous complaints, I informed you of the laws and rights that you have violated. I informed you that failure to DELETE these accounts would be construed as willful non-compliance. 
To date some accounts have been closed but are still on my credit report, I am requesting that you DELETE ALL closed accounts immediately. 
The account below remains open. How did you verify this account? Please provide the information you received as well as the contact information of the person you interviewed during your investigation. Please be advised verification via E-Oscar is not valid. Other Credit Reporting Agencies have not been able to verify these debts are valid ; XXXX XXXX  None of the inquires have been deleted, PLEASE DELETE IMMEDIATELY As I am always willing to learn, if I am wrong and do not have the authority to make these requests, please provide the law that states so. Id also like for you to provide the contract you have between us authorizing you to have authority over me as it pertains to the information that is furnished on MY consumer report. As stated in the FCRA ; Congress makes it clear that Credit Reporting Agencies are to act in the best interests of the Consumer. 
You are defaming my character and Violating my God-given right to privacy You have violated 15 USC 1681n Civil Liability for Willful non-compliance. 
Because you failed to delete the accounts and inquiries as instructed, I am entitled to {$1000.00} per closed account that remains on my consumer report. Please be advised that your failure to remove the accounts/inquiries and pay the attached invoice will leave me no choice but to take legal action and sue for personal damages, punitive damages, plus attorney and filing fees. I am giving you the opportunity to avoid legal action by correcting your errors.
Product: Debt collection

This company says they are Cooper Hoffman and Kline and Associates, threatening court case on my ex wife and they have been calling me for almost a yea.r I have called them back explained who she is to me that I have no information and I have also repeatedly asked them to stop calling my number. Its always a robocall from multiple phone numbers but they always leave the same call back number { XXXX } with a case number but each call is threatening. I am retired military and these calls keep coming, they are disturbing and I ca n't take anymore. Please help me to stop them, I have my number on the do not call list now. and I am going to file a complaint with all the companies that I can until this stops. Also I went on line and saw that there are many complaints about this company so now I know they are scamming people out of money. Pelase help!
Product: Debt collection

Pan Am Collections repeatedly contacted me to collect a fee I did not believe I owed. Despite communicating with them regarding my dispute they continued to add fees to the original amount claimed. They made repeated phone calls including calling me and leaving a message from an unlisted number. They have proceeded to turn my account over to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  for collection despite my good faith efforts to confirm and resolve fees owed in a timely manner to the original creditor. They failed to correspond with me for over three months following final payment to original creditor to indicate that they still claimed I owed fees and instead turned my account over to the aforementioned law office. This resulted in additional fees from the law office. The fees charged by Pan Am Collections and XXXX XXXX XXXX XXXX XXXX  are inconsistent, unclear, and not supported by the terms of the financial agreement I signed with the original creditor leading to confusion regarding debt owed. This financial agreement specifically states that I owe expense incurred by " my provider '' in collecting balance owed. According to provider, this obligation was met when the XXXX  collection fee was paid. Finally, law office left message on XXXX/XXXX/XXXX requesting I call. The call was returned by me on XXXX/XXXX/XXXX. XXXX XXXX at law office claimed that a letter had been sent to me on XXXX/XXXX/XXXX confirming the debt I owed. I informed him that I never received any such letter from the law office, despite residing at the same address Pan Am Collections and XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX and XXXX have utilized previously.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  Accounts # XXXX -XXXX  XXXX, XXXX C XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 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: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that this item was ever disputed. That is a violation and this item needs to be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting the REMOVAL of my security freeze/block!!! I am trying to get the updated and accurate information on my credit file! My current and only address and nameXXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX FL XXXX SS XXXX XXXX Please remove any other Date of Birth on my file. I am in the process of correcting my file with XXXX XXXX, XXXX, EXPERIAN they also have records of my file that are wrong. I have requested verification of XXXX  XXXX XXXX  XXXX XXXX # XXXX and XXXX XXXX XXXX # XXXX. I never received back any response and is has been more that 30 days since I mailed in the complaint in XXXX XXXX 2021.FCRA 623 ( a ) ( 2 ) ( B )