23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Wakefield and associates has continued to harass me and told me they would ruin my credit. Every month they continue to hit my credit report, lowering my score even further. I get relentless calls and letters when I have asked them to stop. They also ignore the fact that my entire income is social security XXXX and Im barely surviving as it is. I also suspect this bill is an old medical bill that the VA is responsible for for. Im a XXXX veteran and the VA pays 100 % of my medical bills but sometimes clinics, doctors etc dont want to just thru the government hoops or file in a timely manner so they stick the debt in my credit. Ive also suffered a national natural disaster and have been XXXX since hurricane Sally XXXX XXXX. I have absolutely no means to deal with this debt. Im XXXX and on a fixed income. Im also having a hard time renting because Wakefield constantly hits my credit monthly lowering the score. Im so despondent I cant function. I need a home and a safe place to live and this company seems driven to deny me that. Please help.
Product: Checking or savings account

A Truist Bank checking account was opened under my name using my information without my knowledge or consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 Experian alerted me of a Hard Inquiry from XXXX XXXX XXXX, I did not apply for. 
Then several other Hard Inquiries start popping up, XX/XX/22 XXXX XXXX, XX/XX/22 XXXX XXXX XXXX XXXX XXXX from XXXXXXXX XXXX XXXXXXXX XXXX XXXX Credit Card, Also on XX/XX/22 Hard Inquiry at XXXX XXXX. My Credit Score is going down so quick. I am trying so very hard to keep my Credit Score to the Max. Paying all on time and extra amounts monthly when I can. 
I have paid over {$200.00} to Experian to lock my credit report companies. Who ever this person or persons are even have my Drivers Licence Number. Experian says My Information is in the Dark Web. I Want Them Stopped Please! Thank the Lord these people have not gotten Money, that I know of right now.

I have been in touch with all Companies. They have sent me letters saying they will remove the Inquiries. But still, how long does this take? 

Thank You for your help, in advance!
Product: Credit reporting, credit repair services, or other personal consumer reports

In late XX/XX/2019, I received notification from XXXX  XXXX that I had acquired a late remark on my credit report from XXXX XXXX XXXX secured visa card. Upon making contact with XXXX XXXX I was told this would not be removed because I did not have the funds in my account. I was then told I would receive paperwork in the mail to correct this issue or I could send in the documentation. I sent a letter in which they responded the reporting is accurate and would not be corrected this letter was received in late XX/XX/2019. Since receiving that letter I have received two letters from my bank stating the funds where in my account and it was a mistake on their end due to the first 3 prefixes of my account being incorrect. The first letter was sent to XXXX XXXX which they still have not corrected. I am in the process of purchasing a home and I have worked very hard to maintain a good credit report. Attached you will see the letter from my banking institution and phone number to contact them should you have additional questions.
Product: Credit reporting or other personal consumer reports

I am writing to assert my rights under the Fair Credit Reporting Act ( 15 USC 1681 ) and related regulations regarding the sharing of my private information by Equifax and Experian, as well as the furnisher of information to credit agencies.

Under 15 USC 1681 section 604 ( a ) ( 2 ), I have not provided written consent for the furnishing of my information. Moreover, 15 USC 6802 ( b ) ( c ) mandates the disclosure of the nondisclosure option, which was never communicated to me.

The reported adverse information violates 15 USC 1681C ( a ) ( 5 ), and 15 U.S. Code 1681s2 ( A ) ( 1 ) prohibits the furnishing of inaccurate information. Equifax and XXXX 's failure to maintain reasonable procedures as required by 15 U.S. Code 1681e further compounds this issue. 

Additionally, according to 12 CFR 1016.7, I hereby exercise my right to opt out of Equifax and XXXX 's reporting services. Any and all consent to the aforementioned entities, whether verbal, non-verbal, written, implied, or otherwise, is hereby revoked. 

Also my rights from Privacy act of 1974 have been broken. 

I request prompt confirmation of the cessation of information sharing and adherence to legal requirements.
Product: Student loan

The problem description is incorrect but did not have a selection that fits. 

This loan was taken out in XXXX. I have been making payments, deferring, and forbearing ever since. The loan is at 14 % interest rate which now has my loan balance at 300 % of the principal. 

This loan should have been included in the Navient Lawsuit. 
The eligibility criteria : - You must have borrowed a private student loan from Navient or its predecessor, Sallie Mae, between XXXX and XXXX while attending certain for-profit schools like the XXXX XXXX XXXX XXXX XXXX XXXX XXXX and others. You can see a full list of schools at XXXX 

- Your loan must have been delinquent for at least seven months or charged-off before XX/XX/XXXX. 

Based on my payment history I meet this criteria, as well as, had it not been for Navient 's outrageous interest rates this loan should have been paid off. I have spoken with a Navient representative and attached the transcript of the chat session Navient is guilty of unfair practices and taking advantage of it's borrowers. 

Thank you for your attention to this matter.
Product: Mortgage

Every year my mortgage company, Newrez, is sent proof that I have flood insurance, and every year they pretend they didn't get it and charge me for forced flood insurance. And then, if I don't catch it, I just continue to be charged. When I called to talk to someone about it, their employee told me that it happens all the time and the only way I can make sure it doesn't happen is to physically sit on the phone with someone while they check the email or fax and enter it into the computer. This is so frustrating, and I do not understand how they are able to continuously charge me for something that I did not ask for, and do not need. This seems like a shady way for them to steal money on the chance that people don't realize they're being charged. Something needs to be done about this. I've never had this issue with any other mortgage company.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX XXXX XXXX # XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX Balance {$550.00} XXXX XXXX XXXX Balance {$0.00} XXXX  Accounts XXXX Balance {$470.00} XXXX XXXX  XXXX In XXXX XXXX {$67.00} XXXX XXXX XXXX XXXX Balance : {$140.00} XXXX XXXX Agen XXXX Balance : {$120.00} XXXX XXXX XXXX In XXXX XXXX : {$100.00} XXXX XXXX XXXX XXXX XXXX Balance {$0.00} Original : XXXX Balance : {$88.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XX/XX/2022 XXXX Bank XXXX XXXX XX/XX/2022
Product: Bank account or service

I am currently a consumer of Bank of America past 26 years. I am filing a XXXX complaint in regards to Bank of America who forced an escrow account onto my mortgage loan, claims that I did not send them property taxes information. Now, my monthly loan payments will increase from {$470.00} a month to over {$1000.00} to cover the escrow amounts. I have never been late on the monthly loan payments ( 16 years ) and have made ever attempt to resolve this issue via certified mail and also by phone. Bank of America have not resolve the issue ( s ) nor or they willing to assist me in remaining current with my monthly loan payments.
Product: Money transfer, virtual currency, or money service

For over a month now I've spent hours on the phone with Bank of America to try to complete an international wire transfer to my own account in XXXX. I contend that they are forcing customers to convert money into Euros to send international wires in order to make more money. I contend they are not updating their systems to a banking law that went on the books in XXXX of XXXX, and claiming that customers must change currency to complete international wires. They are forcing customers to pay a high rate for an unnecessary service. 

Bank of America informs me that they are unable to complete the request in USD because of a new banking law that took effect in XXXX ( but actually cleared the books back in XXXX of XXXX ... nearly 10 months ago ). They say that they do not have the foreign banks fees for receiving an international wire transfer, and so can not complete it in USD. I provided them the exact fees from my overseas bank to receive the transfer. Then their excuse changed that the " Logic in the system does not work properly ''. I have spoken with nearly every person I am capable of getting a hold of as a customer, and they refuse to update their system. 

Their website immediately offers that I can convert my USD into Euros to complete the transaction. I was forced to send a transfer by the only method offered due to a time constraint. On XX/XX/XXXX, I sent {$10000.00}. Bank of America naturally took a fee to make the currency exchange. I received on my end in my overseas account {$9400.00}. My bank overseas charged only {$20.00} to receive this transfer in Euros. However Bank of America took a significant percentage cut of my transfer value, by giving me no other option. I contend that they are forcing customers to pay an unnecessary currency exchange rate to complete international wires, and are purposely not updating their systems with fees that I have provided them. This was the currency exchange rate they charged me as their " highest level '' client. I have been in contact with their wire department, and their executive resolution department, and have received only placations that they assure me they are working on it. They offered me no time frame for a resolution, and could not provide me any more detailed information to convince me they were working on anything. I asked for other options, or other banks in XXXX  who they could successfully send a wire in USD to. They provided me no answers. The best answer I got is " They hope to have it fixed sometime this year ''. This seems to me that they are blatantly taking money from their customers. I have provided them the receiving bank fees, and they have refused to update their system ... information they should have collected 10 months ago when this new legislation hit the books.
Product: Credit reporting or other personal consumer reports

These inquiries and items were added without my consent, and I believe they are fraudulent and unverifiable.
Product: Mortgage

Sold house on XX/XX/2021. Escrow balance at date of closing was {$3000.00}. Debit in XX/XX/2021 of {$3000.00}, bringing the escrow balance to XXXX ( verified on XX/XX/2021 statement -statement attached ). 

Waited a couple months for Escrow refund which never materialized. Began contacting company ( LoanCare ) in early XXXX, via numerous emails and phone calls. Customer Service contact line and options were all irrelevant to issue and unable to get a real person via phone. All requests for contact " looped back '' to recordings. 

Contacted organization representative from original loan ( XXXX ) via email between XX/XX/XXXX and XX/XX/2021 and received a direct number to speak to someone at Customer Service on XX/XX/2021. 

On XX/XX/2021, spoke to Customer Service representative and they acknowledged a discrepancy with the account/refund, as well as their inability to explain where the {$3000.00} balance/debit went. During this same phone call, Customer Service initially advised that it appeared we owed {$1000.00}, then reversed and said there appeared to be a balance, but did not expound on amount. Customer Service advised it would be deferred to Escrow Department and that a check would be sent within 7-10 days. 

In early XXXX, we received a check for {$10.00} ( dated XX/XX/2021 - check attached ) for account refund " Miscellaneous Expenses '' - letter attached. 

It should be noted that up to this point my wife was responsible for all contact with LoanCare representative with regard to this issue. Numerous contacts. On XX/XX/2021, my wife contacted Customer Service again because the refund issue was obviously not reconciled. Customer Service advised my wife she was not authorized to discuss the account. I immediately contacted Customer Service and was advised that the " system was down '' and my wife 's authorization status could not be verified. I then reiterated the issue with the escrow refund/balance/debit destination and my displeasure in the handling thus far. I was advised that the issue would be deferred to the Escrow Department ( or a department of that nature ) and that I would be contacted by them within 7 days. Unsatisfied with this, I pressed for a specific date and was told that if I do not hear from them by XX/XX/2021 to re-contact them. 

This afternoon I emailed LoanCare and received an " out of office '' reply. Ive essentially had my fill of this run-around.
Product: Money transfer, virtual currency, or money service

I used Zelle to transfer funds, but shortly after, I realized the transaction was fraudulent or the funds were mishandled. I contacted my bank to report the issue and initiate a dispute resolution process, but my claim was not handled appropriately. Despite multiple attempts to resolve the issue, my funds have not been returned, and I have faced significant challenges in getting a timely response. Given the recent CFPB lawsuit highlighting serious concerns regarding Zelles handling of disputes and security, I am extremely concerned about the platforms practices. I am still without resolution and am frustrated with how this situation has been managed.
Product: Credit reporting or other personal consumer reports

According to 15 USC 1681c-2 section ( a ) ( 2 ) specifically states : 15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of Remove the following accounts/information from my credit report : 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 not my addresses i have never lived there. 
With proof of my identity theft report submitted with this complaint, the following accounts & inquiries must be deleted from my credit report without further investigation no later than 4 business days after receiving this complaint or the credit reporting agency that received this complaint will be held liable to me in civil court as per the FCRA ( 15 U.S.C. 1681n ( a ) ( 1 ) ( A ) ) ;, you are liable to me for statutory damages for your misconduct, in addition to your deletion of the disputed account mentioned, you are demanded to send a check in the amount of {$1000.00} payable to the order of XXXX XXXX issued, this is NOT another dispute or opportunity for you to reinvestigate the previous dispute. The allowed period to conduct such a reinvestigation has expired and shall not be extended by law. 
Within 4 days, ( XXXX ) DELETE the accounts & inquiries in mentioned & ( XXXX ) send me the {$1000.00} check to my mailing address XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

This is now the third time in the past year that either my husband or myself has n't been able to get our free annual credit report on-line. This time, it was the Equifax report -- their web site says " We 're sorry, for your protection we are unable to deliver an Equifax Free Annual Credit Report over the Internet '' and I have to do it by postal mail. That 's a huge amount of additional work, plus some expense -- and there 's no explanation what-so-ever of why I could n't get it online. Each time we 've gotten that message in the past, once we finally got the report, we checked it carefully, and found no errors which might explain why the on-line request failed. So now I 'm told I have to go through that process all over again to get my report. There should be some way to find out why the on-line request is failing, so it can be fixed. ( I 'm beginning to wonder if they make it fail, so they do n't need to supply the report at all -- I 'm sure thatmany people, when faced with what needs to be done to get it mailed, just give up. )
Product: Debt collection

About three years ago, a collections item surfaced on my credit report from Keynote Consulting in XXXX. It was a medical bill for {$160.00} from XXXX XXXX XXXX in XXXX XXXX, IL. I did receive services from this doctor in XX/XX/XXXX, but paid all my bills in full. This was verified by XXXX in the doctor 's billing office, who confirmed I had a {$0.00} balance and all bills had been paid in full. 

Thus, I disputed the collections item on my credit report and asked Keynote for a validation of the debt. I never received one. Three years later, this item is still on my credit report, and has been added to my wife 's. 

On XX/XX/XXXX, I called the billing office of XXXX XXXX to again verify there was NO DEBT owed. I then called Keynote Consulting and spoke to XXXX XXXX. When I asked why it was on my wife 's credit report as well, she explained that they are allowed to do that via the Illinois XXXX XXXX XXXX ( which by my understanding, applies to children 's medical expenses but not spouses ). I then reiterated that there was no debt according to the original creditor, and asked for a validation of the debt. She said, " This is a valid debt. Nothing you do is going to change that. '' When I asked if they could contact the original creditor to confirm there was in fact no debt, she responded they were " too busy '' to worry about stuff like that. 
I again asked for validation of the debt, and she provided me with an amount and no other information. I pressed and reminded her that under law, they must provide me with a validation of the original debt. She responded, " Listen, this is a place of business. I don't have time to talk about all this with you. I pressed again, and she said, " Fine, give me your address and I'll send you a letter. '' I then asked if it that letter was going to be a generic statement or a legal validation of the debt, and she responded, " That's it. I'm done. I'm hanging up on you, '' before hanging up. 

This non-existent debt has plagued my credit report and now my wife 's, even now three years later as we try to secure a mortgage. I only wanted to resolve the issue and have it legally removed, but Keynote Consulting has made that all but impossible by refusing to comply with the Fair Debt Collections Act.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the one mentioned stated below : My full name is : XXXX XXXX XXXX My correct date of birth : XX/XX/year> My correct Social Security number:XXXX  My correct address is:XXXX  XXXX XXXX XXXX XXXX, Florida XXXX My employer is : XXXX XXXX  XXXX Please correct this typographical information immediately as it portrays me as a person engaging in fraudulent behavior. Also please delete all telephone numbers that appear in my credit report, as I have been a victim of robo-calls. 
Please not that I have opted out in writing to your forced arbitration terms and am willing to seek legal relief. 
Under Section 611 of the FCRA ( Fair Credit Reporting Act ), I expect you to delete these negative accounts and provide me with an updated report within 30 days.
Product: Debt collection

On XX/XX/2019, I respectfully submitted complaint no. XXXX. The lender stated that will not furnish any other information claiming i was not authorize on the account. Attached please see court Order. The Court order reflects i am the legal representative to the Deed and therefore have every authority vested in me by a Circuit Judge to challenge the foreclosure action. Also see Lis Pendens where i am named party to the lawsuit and have every right under Florida Statute 673.3081 ( 1 ) to challenge the note and its endorsements. Upon receipt of the Qualified Written Request, the lender responded and stated that XXXX XXXX was a former employee of FAR. We will like to know who is FAR and what is the relevance between FAR and Urban Financial Group Inc? Can you provide power of attorney authorizing XXXX XXXX to have executed the endorsement for Urban Financial Group Inc, since her name is not listed on XXXX. In fact the names of every officer will appear on Floridas site.  The reason we made the inquiry is because XXXX XXXX is not found in any documents pertaining to Urban Financial Group Inc. We believe XXXX XXXX does not even exist and is the reason the lender does not want to comply. It appears on its face that the lender have engaged in Floridas Deceptive Business Practices.
Product: Credit reporting or other personal consumer reports

I am submitting this to formally request the correction and update of my personal information on my credit report. Specifically, I am seeking the removal of any unverified, outdated, incorrect, or potentially harmful information that could cause significant inconvenience or harm to me