23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

According to my credit report, I noticed my privacy rights were violated. 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 an 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. The accounts that are in violation of my rights are listed below. 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 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: Mortgage

I am thankful to Nationstar for giving me a Permanent Loan Modification under HAMP. But I notice the following deficiencies in the attached Offer : 1. ) The HAMP prescribes a start rate of 2 % for the first 5 Years, whereas Nationstar started with 3 %. If I am eligible for the Modification at 3 %, why am I not eligible at a lower rate of 2 %? 

2. ) Under HAMP there is an incentive of {$5000.00} ( and some of my friends got a XXXX incentive of {$5000.00} again, after 5 years ). However this has not been offered to me. 

3. ) The Property Value is only {$510000.00}. Please see the attached print out from the XXXX Dept. of Finance. So using the XXXX Standard Water Fall Step of HAMP, I should have been given a Principal Forbearance of about $ XXXX, whereas Nationstar increased my Principal Balance to {$720000.00} and charging me interest on the whole amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to get my free annual credit reports on XXXX from all 3 bureaus on XX/XX/XXXX, and received a denial for 2 of my requested reports. The last time I requested my free annual reports was in XXXX. I did not have issues with XXXX and was able to answer security questions and obtain my XXXX  report. XXXX  and Experian 's links did not ask any security questions, and immediately denied my request. The following day, on XX/XX/XXXX, I called the XXXX to request by phone for both XXXX  and Experian. I went through the prompts and expected to receive in the 15 day time frame as mentioned. It has now exceeded that time frame and I have yet to receive my reports. My residence changed back in XX/XX/XXXX and was updated with all creditors, as well as a post office forwarding address so that should not be the issue. I do not know why it is so complicated to request my reports online annually with these two companies. This is very suspicious and inconvenient.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had two accounts with Genesis FS Card Services, an Indigo and a Milestone that were past due. On XX/XX/XXXX I paid both cards off in full. In XXXX I checked my credit report to see if it updated and it stated that both cards were charged off so I called the credit card company and they told me they would have to investigate. After two weeks I called back again and they told me they dont see anything in the notes and I would have to speak with the charge off department. I called the number they gave me and the person I spoke with said that they could not help me and gave me another number to call. After weeks of trying to speak with someone that knew what they were talking about I finally was able to speak to someone on XX/XX/XXXX. She told me that she sees the cards were both paid off in full and does not understand why it says charged off/sent to collections and was sending the back office a work order and it should be corrected within two weeks. As of today XX/XX/XXXX it is not. I called them back today and now I am being told that they can not check the status of the work case number that I was given and that the accounts are both listed as charge offs and in collections. I told them that the accounts were never in collections and never charged off because I paid the balances in full and have my bank statements to prove it and they said that they will have to investigate again. This makes absolutely no sense to me at all and I dont understand why I am getting the run around and why this information has not been corrected. They received my money months ago and now my credit report has negative info on it and is effecting my credit score tremendously. This needs to be corrected as soon as possible. This credit card company is a joke and noone understands anything and they do not seem to know what they are doing. Please help me!
Product: Credit reporting or other personal consumer reports

I recently review a copy of my credit report and noticed I had fraudulent accounts on my report, Please remove these accounts from my report, they are hurting my ability to obtain creditXXXX XXXX  XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

On XX/XX/XXXX, I received a new property identification number ( PIN ), also known as a parcel number, for my property with the address of XXXX XXXX XXXX XXXX, XXXX, IL XXXX. XXXX XXXX had assigned me the PIN number of XXXX. On XX/XX/XXXX I contacted Citizens Bank to give them the new PIN mentioned above. This new PIN should help estimate taxes better than the current PIN on my file. This new PIN will also help Citizens Bank pay XXXX XXXX the proper taxes on the proper PIN for me. On XX/XX/XXXX I received a new escrow analysis with the estimated annual taxes of {$25000.00}. Suspicious, I looked up the previous PIN XXXX. This previous PIN on the profile was when the property is classified as an industrial building with a different tax code. I immediately called Citizens Bank on XX/XX/XXXX and spoke with a different representative regarding this issue. Their internal notes and profile noted that on XX/XX/XXXX I had contacted them to update the PIN number on file to the new one XXXX XXXX had assigned me, yet they have failed to do so as the current PIN on my mortgage was the old PIN of XXXX and not the new PIN of XXXX. The representative I spoke to on XX/XX/XXXX said he will notify his superior and have this taken care of by XX/XX/XXXX yet as of writing this and submitting my complaint, my escrow analysis still shows an estimated taxes of {$25000.00}, with the first payment of taxes due by XX/XX/XXXX. I called backed XX/XX/XXXX and was directed that the taxes and escrow will update on XX/XX/XXXX. It is now XX/XX/XXXX and I spoke to another agent today that acknowledged that the request is still open and that my request will be completed on XX/XX/XXXX. Based on this trend Citizens Bank is deferring completing my initial request since XX/XX/XXXX and will always circle back with having my request completed by the end of the week. Attached below are the different PIN numbers with the same address, yet one is classified as an industrial property and another one is classified as a single family home. Please note, I live in a single family home and not in an industrial building. This situation will be causing me tax problems and complications if Citizens Bank paid XXXX XXXX the wrong property tax under the wrong PIN.
Product: Credit reporting or other personal consumer reports

I am reporting identity fraud and will list accounts that I fell victim to - XX/XX/XXXX XXXX XXXX balance {$20000.00} - XX/XX/XXXX XXXX XXXX balance {$1100.00} - XX/XX/XXXX XXXX XXXX Balance {$2700.00} - XX/XX/XXXX XXXX XXXX XXXX Balance {$1900.00} - XX/XX/XXXXXXXX XXXX XXXXXXXX Balance {$6300.00} - XX/XX/XXXX XXXX XXXX  Balance {$29000.00}
Product: Mortgage

We applied to Citibank for mortgage refinancing on XX/XX/2020. We were told that the process will take up to 90 days. As long time Citibank customers, with excellent credit scores, continuous employment and no debt, we expected smooth and painless process. For the next 7 months, there were constant delays by Citibank. Each step of the way we had to request confirmation of receipt of documents or a simple clarification, multiple times. The loan processor took days and weeks to respond. The responses rarely addressed more than one issue at a time and were ambiguous, which required additional questions, and took more time. The documents that were submitted kept expiring and had to be resubmitted several times. Some documents had to be resubmitted because the loan processor couldnt find them. Six months later we were assigned a different loan processor. The appraisal of our property had expired after six months, unbeknownst to us. At the end of the 7 months ordeal, once the underwriting approved, we were given 7 business days deadline to close, lest documents start expiring again and end up back in underwriting. We were hit with a surprise {$200.00} charge for the updated appraisal. We were also put in an impossible position by the Citibank, because we had to get our property management to sign off on the loan in a matter of days, and the bank was informed from the start that the process normally takes at least 2 weeks. The closing was scheduled on the day and precisely at the time when one of us was travelling, in spite of our requests to schedule on any other day and time. Because of that we had to scramble to find a notary at the last moment.

We have reached out several times to a senior supervisor, before and after the closing, requesting to remove {$200.00} charge. We were charged anyway even though we were told a second appraisal wont be our responsibility because it was caused by the Citibanks delays. We also asked for a reduction in fees and or rate, as consideration for all the delays, missed opportunities and additional costs. We did not get a single response to any of the emails.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in an XXXX relationship and my ex-boyfriend opened bank accounts in my name and used those accounts to deposit stolen/fraudulent checks. I could not come forward with this information during the investigation because I was still in my XXXX relationship. It wasn't until I moved to a completely different state ( all to get away from my XXXX ) that I was able to come forward with this information. By this time, the bank already completed the investigation and still found me responsible even though I told them everything and gave them my ex-boyfriends name, dob, social and address. 

I haven't been able to open a bank account because of this. My life is almost completely back on track ( I had to start completely over because of this man ) except for this one hiccup. I don't know what else to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been reaching out to TransUnion and XXXX about a Bankruptcy that has been filed on my credit report. These companies have not verified or given me any information as to how and why this account is showing on my credit profile. I have never filed Bankruptcy in my life. I've sent in a letter asking for their method of verification and they failed to give me any information as to how and why this is showing on my credit profile. I and XXXX XXXX XXXX and this account appear to be for XXXX XXXX. I've been sending them letters and trying to get this resolved since XXXX of 2019. XXXX and TransUnion told me they verified with a company but I sent a letter in XXXX with method of verification to both XXXX and TransUnion and they both failed to prove. I also sent a letter to county clerk and they stated they dont furnish information to 3rd parties.
Product: Debt collection

I have written multiple letters to Owen Loan Servicing XX/XX/20 in regards to the alleged debt. They are reporting false information on my credit reports. There are reporting bankruptcy when I never had a loan from them and attached you will find a copy of the dismissal letter.
Product: Credit reporting or other personal consumer reports

I disputed this item With XXXX XXXX Because its over 7 years old in XXXX the results were for it to be deleted from my credit report buts still there and its XXXX
Product: Credit reporting or other personal consumer reports

This is my 11th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$460.00} XXXX XXXX XXXX Balance : {$2500.00} XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out several times to the bureaus and to companies. Companies may include XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXl, and other companies in which there are fraudulent charges on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an alert from the credit bureau that a new account was added to my report. The company name is XXXX.It shows on my report this acct was opened in XXXX however it was just reported to my credit report. I immediately tried to contact the company, however I was unsuccessful. I then proceeded to file a police report to report this account which is an account that was not opened up by me. I am a victim of identity theft and fraud and I do have an extended alert on my report. The report does state to contact me at the number provided to verify my identity before any credit is extended.
Product: Debt collection

XX/XX/2023 I received a letter from XXXX XXXX XXXX XXXX Illinois XXXX XXXX dated XX/XX/2023 regarding a debt that I do not owe. I am requesting in writing for XXXX XXXX XXXX XXXX Illinois XXXX XXXX to provide me with verification of this debt. This has not been done. 

Thank you.
Product: Bank account or service

On XXXX/XXXX/XXXX XXXX charged me in the sum of {$4000.00} for services to be rendered, on XXXX/XXXX/XXXX & XXXX/XXXX/XXXX XXXX XXXX in the sum of {$1300.00} for services to be rendered, XXXX/XXXX/XXXX XXXX charged {$1300.00}, XXXX/XXXX/XXXX XXXX charged {$1200.00} and XXXX XXXX, XXXX XXXX {$3400.00} to my Wellsfargo card. 
The issue here is that I have been victimized by XXXX along with several other companies and their blatant misrepresentations. The fact is that we did not receive what we were guaranteed I received a vague contract and were left to rely on the representative 's integrity. I told the sales person repeatedly that I did n't think we could do this and I were promised repeatedly that they would generate leads and get our business started ; I paid and trusted them only to be left stranded. This is a scam! The " Virtual Platform '' was sold as a " business opportunity ''. I tried several times to get our money back and literally begged ; instead I received different sales people and a new sales pitch. I never received the services that were described at the time of purchase. I have looked into this company since then and found out that they have multiple complaints with the Better Business Bureau that sound exactly like our situation. This company has a long record of lying and taking advantage of people just like they did to us. 
Neither company has refunded our money. I contacted the merchant directly to no avail. These are NOT billing disputes. This is a matter of not receiving the products and services that were described to me at the time of purchase. Please have the bank investigate these charges so I can get my money back asap. 
THANK YOUXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting 2 student loans as being in dispute and that is not the case. The two accounts are showing as DP of EDUC are reporting with balances, one has {$1.00} and the other shows {$2.00}. THESE HAVE BEEN CONSOLIDATED OVER A YEAR AGO AND HAVEN'T BEEN DISPUTED IN A FEW MONTHS. My lender pulled credit and Equifax is the only one doing this..
Product: Debt collection

On X/X/2017 I was trying to buy a house and my mortgage company asked me about this collection company in the amount of XXXX dollars and I did know who they were so I called and asked that they send me verification if the debt and I called them back and told them that their was no where on this information was my signature and that I did n't owe them anything and for months I have been trying and disputing the information to the credit bureau, one company XXXX removed it but the other two refuse to remove it so now I ca n't buy a home because of this company.
Product: Credit card or prepaid card

I received a Goldman Sachs XXXX card that I never applied for. My mother also received a card at the same time she received my card. She has filed her own reports. 
On XX/XX/2022 {$2000.00} was digitally charged to a card the thief did not have in their possession. The physical card was mailed to my parents address. My mother was a victim of identity theft on that day. She was a victim of the XXXX breach. I do not know how the thief received my information. I did not apply for this card or give anyone else permission to do so. I went to my local police department in XXXX but they did not file a report. I contacted the company that issued the card. They said all charges were made in XXXX using the digital form of the card. The card is in my mother 's possession. Goldman Sachs stated that the account would be closed and I would not be responsible for the charges. I have filed an XXXX report with the FBI.
Product: Mortgage

I took out an equity line of credit from Bank of America to pay off ( 5 )  countrywide existing loans, which in turn paid them off in full from my main home which had no loan. The loan was {$350000.00} equity line of credit. It was very easy 11 years ago. The loan agreement was that after the 10 year term the loan would be converted to a new 30 year fixed loan. THIS did not happen and now the payment have increased to a 15 year variable loan. which in turn have increased my payment from {$800.00} per month to {$2700.00} per month. This was a scam by Bank Of America. They have refused me a new modified loan as they originally mentioned. I need to either find a new loan and join the class action lawsuit or file my own lawsuit against Bank Of America. They also have lowered my credit score by their continued inquiries from XXXX to XXXX. This HAS TO STOP. I need your help in this matter as soon as possible. I can be reached at XXXX or by email at XXXX or my backup phone is XXXX. I can be reached 24/7 .Thank you for your advice and help in this matter. 
Sincerely yours, XXXX XXXX retired on XXXX XXXX XXXX
Product: Debt collection

I have received 4 phone calls ( XX/XX/XXXX at XXXX XXXX, XX/XX/XXXX at XXXX XXXX, XX/XX/XXXX at XXXX XXXX, andXX/XX/XXXX at XXXX XXXX ) from XXXX XXXX XXXX. The firs three calls I did not answer and they left 2 voicemails stating who their company name and that they were a debt collector. The same person left the voicemails each time. I answered the call on XX/XX/XXXX. The person asked for me by one of my names, told me he was a debt collector, and said that I owed citibank/mastercard around {$20000.00}. I have no debts with citibank and I 've never had a debt remotely close to that amount in the 10 active years I 've used them for credit. This immediately raised a red flag for me. I informed the person on the call that I did n't have a debt and that I believed they were scamming people and I hung up the phone. I then called citibank to inform them that this company was gathering money fradulently on their behalf. Citibank said they would forward the information to their security department.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Cash Apps handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Cash App numerous times and reporting discrepancies, my financial institution and Cash App failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPBs findings indicate that Cash App has not only neglected to protect consumers, but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety and privacy.
Product: Credit reporting or other personal consumer reports

Legal Basis for Dispute : Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, XXXX  is obligated to ensure maximum accuracy and conduct a proper investigation. Additionally, under 15 U.S.C. 1681c-2, victims of identity theft are entitled to have fraudulent accounts and unauthorized inquiries blocked.

In light of the CFPBs recent enforcement action against credit bureaus for failing to conduct proper investigations, I am requesting this dispute be handled promptly and thoroughly. If XXXX fails to resolve these disputes and remove the inaccuracies, I will escalate the matter to the CFPB and seek legal remedies. 
Data Breach Impact : As a victim of identity theft, likely stemming from the recent data breach, I am requesting immediate removal of all negative and fraudulent items. These inaccuracies have caused significant harm to my credit profile and must be addressed immediately.

Failure to act within the legal timeframe may result in further action. Please update me as soon as possible regarding the status of my dispute.
Product: Mortgage

My Info was sent to Nexa mortgage, I was told that I was approved. I submitted an offer on a home and paid for an appraisal all alone the way asking for a copy of the approval letter from Nexa. I asked the loan officer and the two realtors I was working with, no luck. I then called the person on the contract offer for the home XXXX XXXX after many calls I was finally able to speak with him. He ( XXXX XXXX told me it was not approved. I asked him to send me that in writing that was XX/XX/year> despite many phone calls and emails I still haven't received the letter.