23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

About three years ago my wife became XXXX and applied for Social Security XXXX. She has an attorney and a solid claim, but is still waiting for a hearing. 

Additionally, we began receiving death threats from a XXXX XXXX person and had to relocate from XXXX to XXXX XXXX   at our own expense. 

These two factors coupled with our son 's need for XXXX not covered by insurance have caused us to deplete our savings. 

Because my wife can not work, our income is decreased and has been for more than three years. I work a full time job but we still have a financial hardship. 

I have contacted the credit card company repeatedly to ask to participate in their hardship program but there has only been a " we will get back to '' for a response. 

I truly need help so as to not default while we are waiting for my wife 's XXXX to be approved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have reported identity theft to usaa. Filed report on identity theft .gov and sent all information. Have attempted for a month to get this resolved. Every time I've called I've been transferred to multiple departments and placed.on hold for long periods of time. They continue to dispute the fraud claim. My wife at the time took out a personal loan and a car loan using my information and signed electronically. I did not have any knowledge of the accounts. She passed away in XX/XX/2018. She had separate bank accounts that I did not have access to that these payments came from. Upon her death, her mother deactivated the account and I was unable to even access it to see what loans she may have had outstanding. This was brought to my attention due to excessive debt impacting my security clearance for my job. Upon finding out about these accounts I immediately tried to resolve the issue. This company has repeatedly denied the fraud and I have been unable to actually contact the correct people to attempt to satisfy this. I am the victim of identity theft, I had no knowledge that these were in my name and I did not give her permission tomuse my information. I am at a loss on how to proceed as I have been met with resistance each step of the way from this company.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 received communication from my home insurance company XXXX that my policy premium would be increasing by a substantial amount in XX/XX/XXXX. As a result I found a new insurance company XXXX XXXX which was decrease from my XXXX amount. I cancelled the XXXX policy at the begining of XX/XX/XXXX and set up new policy to begin XX/XX/XXXX. Mortgage company ( Newrez ) was informed of both the cancelation and new policy well before the XXXX start. Newrez unfortunately paid the cancelled policy amount to XXXX. After much back and forth I was able to get the payment returned to me and I made a direct payment of XXXX to my escrow and the correct amount was paid on the new policy from my escrow to Rural ins. A mortgage analysis was auto completed on XX/XX/XXXX. This analysis was completed using the wrong insurance payment and as a result my payment amount was increased accordingly. I requested a new analysis from NewRez on XX/XX/XXXX and was told it would be completed in 7 days. I have called chatted and email multiple times since then and still have not received the new analysis as of today XX/XX/XXXX. I've been hung up on multiple times given new dates multiple times etc to no avail. I do not want to make my Apr mortgage payment until I know the correct amount of the payment to make.
Product: Debt collection

On XX/XX/year>, I ordered a telephone from XXXX but cancelled the order on XX/XX/year>, with a customer service representative via telephone and was assured I would not be billed for service or the phone. The phone was never shipped to me and the order was cancelled. I received the {$58.00} I paid for the taxes back from XXXX appx 10 days ( on XX/XX/year> an email confirmed same ) later and never received any cell service ever from XXXX. 

In XX/XX/year> I received a bill via mail from XXXX for 30 days of cell service for {$77.00}. I contacted them and informed them I never had service. They agreed. Still, they continued to try to take money from my bank account which my bank rejected when I let them know it was fraud. 

On XX/XX/year> after more than XXXX calls to XXXX asking them to stop with the attempted billing from my accounts, XXXX sent me an email confirming I had no service and hence no money owed to XXXX. 

In XXXX, XXXX place a collection notice on my credit report. 

I submitted XXXX complaints to XXXX and each time XXXX 's XXXX XXXX IC systems ( I provided them with the email from XX/XX/XXXX ), who I have spoken to more than XXXX times and XXXX more than XXXX times have continued to show the bill as valid though they tell me on the phone they see the issue and it will be corrected and removed. 

This has hurt my credit score and my ability to attain housing, a job and my opportunity to increase my credit line. I am currently homeless as a result of this affecting my opportunities to rebuild my life after recovering from XXXX.
Product: Credit card or prepaid card

I opened a XXXX 's account under the impression that I was able to use it for a purchase. They were unable to honor the purchase, and I told them to close the account. I was just sent a statement of my new credit card.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian and XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : LIST OF ITEMS TO BE REMOVED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These Items have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card or prepaid card

When I signed up for the Capital One secured card 2 years ago, I was promised a returned deposit as well as being upgraded to an unsecured card after the first year. After the first year I contacted the company to ask about both and was told that I could not be upgraded and was given no reason why only that they do monthly reviews. I was also declined my deposit, now that this is my second year with the company and my credit score is very good, I am being told now that the no loner offer the promotion and that they are trying to fix some issue with it and I have still not received my deposit back.
Product: Mortgage

Bank of America has had ample time to consider my complete as received Request for Mortgage Assistance ( RMA ) application package of XXXX XXXX. 
Bank of America, their representatives, and servicer can not record an NOD, an NTS, or conduct a sale while the application is pending per California Civil Code ( XXXX ( c ) ) and, if application is denied, until 31 days after providing borrower with a written denial per California Civil Code XXXX ( XXXX ) ( XXXX ). 
While there is no consistent or well established Bank of America deadline for borrower 's to submit an RMA application, I submitted a complete RMA application package and all other Bank of America requested documents on and before XXXX XXXX, XXXX without delay. 
Bank of America has decided not to provide a written determination to the XXXX XXXX RMA from the Bank of America Appeals Department to date. While there seems not to be any Bank of America deadline for servicer 's application evaluation and no established deadline to process an appeal, it does n't take over four years to come to a decision and issue a written determination and direction unless the bank has decided to park and stall the modification process indefinitely. However, this park and stall tactic is at odds and inconsistent with the recent efforts to collect on this home loan mortgage account. 
Bank of America, their representatives, and the servicer may not record an NOD, NTS, or conduct a sale until the later of : 1 ) 15 days after the appeal is denied ; or 2 ) 14 days after modification is offered. 
As a borrower must accept an offered modification within 14 days or offer is considered rejected per California Civil Code XXXX ( XXXX ) ( XXXX ), the same standard is to be placed upon the bank and servicer. Since Bank of America has declined to timely process a complete RMA so as to complete the modification process, Bank of America and their representatives and servicer forfeit rights to decline an evaluation, issue a written denial, and foreclose. 
Bank of America has not offered a MHA HAMP TPP based on the XXXX XXXX RMA before or after XXXX XXXX. Thus, I have never rejected a modification in accordance with California Civil Code XXXX ( XXXX ) ( XXXX ) because I have had no option and opportunity to accept or reject a modification timely presented to me by Bank of Americ based on my XXXX XXXX RMA.
Product: Credit reporting or other personal consumer reports

As of XX/XX/year>, the company has failed to provide any meaningful response to my complaint submitted on XX/XX/year>. Instead, they issued a vague interim message stating that they need additional time to ensure we fully address all the concerns, without addressing or acknowledging the core of my dispute. 

This delay is concerning. I previously filed a complaint regarding two Wells Fargo accounts that I strongly believe were either opened without my full consent or mishandled in a way that caused long-term credit harm. I asked for proof of signed applications, consent, or documentation, and none has been provided. 

To date, Wells Fargo has not submitted any verification records, resolution terms, or investigation notes. Their message lacks any substance, and I believe it is a stalling tactic to avoid addressing the dispute within the 15-day window.

This issue involves severe negative reporting linked to accounts that may be tied to broader patterns of misconduct. I am requesting CFPB review and escalation, and I respectfully ask that Wells Fargo be required to provide a substantive and documented response, not further delays.
Product: Mortgage

My existing VA home loan was sold to Freedom Mortgage in XX/XX/XXXX. I started receiving calls from them constantly about refinancing. I said no a bunch of times, but then an agent named XXXX XXXX ID # XXXX called me XX/XX/XXXX. He offered me a lower interest rate which I thought was fair 2.75 %. I was most concerned about the fees because I knew that this is what would tell me how long it would take to see a benefit from the refinance. Mr. XXXX assured me he could offer me a great deal and I would only pay the VA Funding Fee ( {$970.00} ). There were other fees listed on the offer though. {$300.00} for a title - lender premium and {$550.00} for title-settlement fee. I called him back and specifically questioned him about the additional fees. He told me not to worry about these fees as they would be reimbursed by Freedom Mortgage after closing. I asked him how he could be giving me such a good deal and he told me it was because Freedom Mortgage didn't want to lose me as a customer. I told him that what he sent me did not match what he was telling me, but he promised that the fees would be reimbursed and it was crystal clear that the only fee I was on the hook for would be the VA funding fee. I made it clear that I was a little hesitant but I figured he was a licensed agent with a governing body so there must be some sort of ethics/honesty maintained in the business. We signed all the paperwork and closed XX/XX/XXXX. Not surprisingly, I get my first bill in XXXX and I was not reimbursed the {$300.00} or {$550.00} charges. On top of that, I get charged an extra {$75.00} recording fee that was not disclosed anywhere in the agreements. I call Mr. XXXX on XX/XX/XXXX and ask him why i was not reimbursed for the fees he promised. He told me I should have been reimbursed for the fees but that he can no longer do anything about it because the mortgage has closed. He told me that I had to call customer care. I call customer care tell them the whole story. They will look into it. I wait 2 weeks and call back the most recent time on XX/XX/XXXX since no one responded. I repeat the whole story and elevate the complaint, but they tell me " there really isn't anything they can do since the loan already closed ''. I ask why XXXX XXXX promised me I would be reimbursed and they responded that " there are always a few bad apples out there ''. Then they told me that I should have called customer care before signing the paperwork and they would have told me that I wouldn't be reimbursed for anything as if I should have known to check with HQ on whether or not what there representative was telling me was accurate. No one at Freedom Mortgage has denied that promises made to me or went back to listen to any of the " recorded '' phone conversations that are recorded to ensure quality which seems to be the exact issue here. They just keep telling me that since the mortgage closed there is nothing they can do. Was I a little naive? Yes. Did Freedom Mortgage intentionally deceive me? I believe so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed with all three credit reporting agencies on XXXX XXXX XXXX XXXX in XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX certified mail and fax. I have included proof that I have never been late on the account. There is no way they have verified that account because it shows the loan type as child support and child support is not a loan. I have never took a loan out from the XXXX XXXX XXXX XXXX. That is n't even supposed to be reported because child support is Title IV-D which is not a loan. I provided proof that I have never been late and documentation showing them that they are not suppose to report it because the XXXX XXXX XXXX XXXX does n't give out personal information to include SSN or anything related so there is no way that they should have reported VERIFIED through that electronic system that lacks integrity. I am contacting you to prevent from pursuing any legal action in small claims, state, or federal court which I am prepared to do if this matter is not resolved by all three reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022
Product: Vehicle loan or lease

On XX/XX/2020, my Daughter 's car was missing from in front of our house. I had her call the police and the police told her that they were informed that her car was repossessed. We called Santander Bank, the bank that she pays her car payments to. My Daughter said that she was informed that because she pays her payments via the Santander 's website on her cell phone, that there was a scam website that looks like the banks website, and that my Daughter, amongst others were paying the scammer over the last 4 months their payments. My Daughter told me that Santander told her that there was nothing they could do because she and others paid their payments supposedly to the scammer website. My Daughter did not know she was paying a scammer. My Daughter contacted the bank she has that she pays her bills with. There is no record of these transfers ( payments to Santander ), that the scammer, who had her information from the payments, probably hacked into her bank account and removed these payments. My Daughter did receive email notifications about the payments, that I saw, but unfortunately, my Daughter has XXXX  and those settings she had any mail she read was automatically deleted and emptied to trash. My Daughter 's car was towed to an impound yard. My Daughter is waiting for money to clear that her father sent via a check to her to get the car back. She received a letter from the loan bank today and they want her to pay late charges which are over {$400.00}. My Daughter recently contacted Santander and she was told that the fake bank website was finally taken down. My Daughter paid the car payments and because she was XXXX when she got the car, I always ask her to show me the proof the payments were made. She paid extra money at times when she had it. I just don't understand why Santander Bank is basically calling my Daughter a liar, by wanting her, when we pay to get the car out of the impound, late fees. This is not fair and as her XXXX year old Mom I am very upset about this.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I am writing to file a formal complaint against Portfolio Recovery Associates for their egregious violations of my rights as outlined in the Code of Federal Regulations ( CFR ) and the United States Code ( USC ). Furthermore, I am disputing any and all debts claimed by Portfolio Recovery Associates, and I am revoking all rights for them to communicate with me via email, text, and phone calls. 

Under 12 CFR 1006.34 ( b ) ( 5 ), I am entitled to accurate reporting of information to consumer reporting agencies. Despite this regulation, Portfolio Recovery Associates has inaccurately reported information about my credit history, leading to erroneous information on my credit report. Furthermore, under 12 CFR 1006.34 ( c ) ( 4 ) ( i ), I have the right to dispute inaccurate information directly with the furnisher. I have made numerous attempts to dispute the inaccuracies with Portfolio Recovery Associates, but they have failed to investigate or correct the errors as required by law. Additionally, 12 CFR 1006.34 ( d ) mandates that furnishers of information must conduct a reasonable investigation of disputed information.

Portfolio Recovery Associates has failed to fulfill this obligation by neglecting to conduct a thorough and fair investigation into the inaccuracies. Moreover, according to 15 USC 1681-S 2 ( 7 ) ( A ), consumers have the right to accurate reporting of information by consumer reporting agencies. Portfolio Recovery Associates failure to ensure the accuracy of the information they report to consumer reporting agencies directly violates this provision. In addition to disputing the inaccuracies in reporting, I am formally disputing any and all debts claimed by Portfolio Recovery Associates. Furthermore, I am revoking all rights for them to communicate with me through email, text, and phone calls, as provided by the Fair Debt Collection Practices Act ( FDCPA ). As part of this dispute, I request the following : Debt Validation : I request that Portfolio Recovery Associates provide validation of any and all debts they claim I owe, including detailed information regarding the origin and nature of alleged debt. 

Purchase Agreement : I request that Portfolio Recovery Associates furnish a copy of the purchase agreement between them and the original creditor for each alleged debt they claim I owe.

Proof of Licensing and Bonding : I request that Portfolio Recovery Associates provide proof that they are licensed and bonded as required by law to engage in debt collection activities.

I expect Portfolio Recovery Associates to comply with these requests within the time frame prescribed by law. Failure to do so may result in further legal action to protect my rights as a consumer.

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take swift and decisive action to investigate these violations and ensure that my rights as a consumer are protected. 

Sincerely, XXXX XXXX