23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

Denial of Service, I have had this Equifax Service for over 5 Years, I recently had changed it to a FAMILY Plan and had Disputed some of my Files Online. 
They continue to charge ME but deny me access to my Credit Reports. 
In paid for unlimited access which you can refresh Daily. 
Every time I call my calls are routed to XXXX? 
I had identity theft and I am trying to resolve but it is not easy when the very people that are supposed to investigate do not investigate thoroughly. 
Equifax wants me to submit various forms of identity to them but I feel they are part of the problem since my personal information gets sent to XXXX!! 
I have provided all my information over the phone but they still deny me for a PAID service and it is hard to cancel over the Phone.
Product: Credit reporting or other personal consumer reports

XXXX OF XXXX XXXX XXXX  Dealers, New XX/XX/XXXX Equifax XXXX XXXX VIA DEALER Auto Financing XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX Dealers, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Companies - non XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Companies XX/XX/XXXX XXXX XXXX XXXX AUTO FIN XXXX Financing Companies XX/XX/XXXX XXXX XXXX XXXX XXXX personal XX/XX/XXXX XXXX XXXX AND XXXX XXXX Automobile Dealers, New XX/XX/XXXX Equifax XXXX FINANCIAL Auto Financing XX/XX/XXXX Equifax XXXX XXXX FIN Auto Financing XX/XX/XXXX Equifax XXXX XXXX VIA DEALER Auto Financing XX/XX/XXXX Equifax XXXX OF SOUTH XXXX Automobile Dealers, New XX/XX/XXXX Equifax XXXX FINANCIAL Auto Financing Companies XX/XX/XXXX XXXX XXXX & XXXX XXXX Automobile Dealers, New XX/XX/XXXX XXXX XXXX CONSUMER XXXX XXXX Companies - non specic XXXX XXXX OF XXXX XXXX Automobile Dealers, Used XX/XX/XXXX XXXX XXXX XXXX XXXX FIN Auto Financing Companies XX/XX/XXXX XXXX XXXX OF XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, personal XX/XX/XXXX XXXX XXXX AUTO Banks and XXXX & XXXX XX/XX/XXXX XXXX XXXX AND XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Personal Loans XXXX XX/XX/XXXX Equifax XXXX AUTO FIN Finance, personal XXXX XXXX XXXX XXXX XXXX XXXX Dealers, New XX/XX/XXXX Equifax
Product: Debt collection

Wakefield & Associates sent a notice for a XXXX bill for a XXXX - which is NOT my name. My wife called and explained that this is not my name and not my bill. 
Several months later, we received another bill. This time, my wife sent a letter to Wakefield, as well as the Attorney General of both Missouri ( where we live ) and Colorado ( where they 're located ) explaining again that this is not my bill and to prove it was. 
Wakefield responded to the Attorney General of Missouri on XX/XX/XXXX that they had gone back to the original creditor and determined that this was n't, in fact, my bill so they would close the account in my name. 
My wife checks our credit often and, when she checked my credit on XX/XX/XXXX, realized that I had a collections account added to my credit report - from Wakefield & Associates and the bill was now {$49000.00} ( it started at {$25000.00} ). This is, of course, AFTER Wakefield told the Attorney General they were closing the file in my name and yet, now it 's on my credit report.
Product: Money transfer, virtual currency, or money service

Appeal appeal appeal regarding my cfpb complaint revorded and documented with the cfpb as # XXXX REGARDING XX/XX/XXXX wells Fargo bank response letter stated as sent to my ongoing complaints of fraud activity done on my us legal name of XXXX XXXX XXXX XXXX XXXX and identity theft complaints ( FTC REPORT # XXXX ) I DID NOT RECEIVE WELLS FARGO BANK PHONE attempts OR MAILED RESPONSE As stated. Wells Fargo Bank aka Wachovia XXXX wells Fargo advisors responded via cfpb portal saying that in fact there was an account established for my us legal name in XX/XX/XXXX. I did not establish this found XX/XX/XXXX WACHOVIA Wells Fargo account. I am requesting all signature cards of this established XX/XX/XXXX account address where it was opened and phone numbers and all emails and ipaddresses and all created linked money instrument accounts to this stated established account of XX/XX/XXXX. I am requesting a copy of the opening and all unauthorized transactions on this XX/XX/XXXX account. I am reaching again to XXXX XXXX Wachovia na and wells Fargo and Wachovia na XXXX XXXX XXXX and wells Fargo advisors and all affiliated private wealth management bank and financial institutions that are linked to this stated XX/XX/XXXX account in wells Fargo resobse letter of finally XX/XX/XXXX approx 13 years from the original date that I requested a fraud and identity theft review IN PERSON AT XXXX XXXX XXXX XXXX XXXX XXXX VA WACHOVIA. XXXX LOCATION TO THE BRANCH MANAGER XXXX XXXX XXXX of all my sole owned ssamonies and life savings AND UNAUTHORIZED GAINING ACCESS OF MY STOCK FOLIO AND PROCEEDS FROM XXXX XXXX XXXX XXXX XXXX VA SALE OF MY SOLELY OWNED AND DEEDED XXXX XXXX DOLLARS other monies. PLEASE FAX YOYR WELLS FARGO RESPONSE TO ME ASAP AT MY PAID FAX SERVICE XXXX. Please note Wells Fargo I have followed up with the Security And Exchange Commission of the USA. I received no info regarding this XX/XX/XXXX ESTABLISHED account from ANY FINANCIAL INSTITUTION even after repeated fraud suspicious reports in person by me a US CITIZEN XXXX XXXX XXXX XXXX XXXX. I am need these documents for my records and to know where I need to go and get answers to from this fraud activity and unlawful access of my name and solely owned monies of over XXXX XXXX dollars.
Product: Mortgage

I am writing to file a complaint formally regarding the denial of my recent XXXX  loan application with CrossCountry. I believe the decision was based on overly strict underwriting policies, inconsistent practices, and poor communication, which resulted in unnecessary financial losses and the loss of the property we were attempting to purchase. 

Despite having a XXXX relationship with this lender who refinanced our previous home and currently holds the mortgage on our current home, our application was denied primarily due to a late XX/XX/year> mortgage payment, which was resolved through escrow when the loan was paid off in full on XX/XX/year>. This late payment was the only XXXX ever made on that mortgage, and no delinquency was reported to credit bureaus. Nevertheless, the underwriter applied overly strict internal policies that prohibited manual underwriting, despite our compliance with all the requests to pay off significant debt and provide the required documentation. 

Concerns : XXXX. Inconsistent and Overly Strict Underwriting Practices : The XX/XX/year> mortgage payment issue was treated with disproportionate scrutiny, despite being resolved through escrow and not reported as a delinquency. 
The lender applied rigid internal policies that did not allow for manual underwriting, disregarding XXXX loan guidelines meant to provide flexibility for XXXX. 

XXXX. XXXX and XXXX XXXX : Despite having a prior relationship with this mortgage company and fulfilling all initial requests, the underwriting process extended well beyond the agreed timeline, causing unnecessary delays and confusion. 
Last-minute requests, including the conference call to determine, specifically, if the XXXX payment to the mortgage company was late and additional requested debt payments, created significant uncertainty and financial strain. 

XXXX. XXXX and XXXX XXXX : We paid off {$35000.00} {$65000.00} in debt based on the loan officers recommendation, only to have the loan denied due to rigid internal policies unrelated to our financial standing. 
The financial losses left us unable to pursue alternative financing options when the property was put back on the market, and we incurred additional stress and harm due to the lenders mismanagement. 

Request : I respectfully request : Investigate the lenders handling of the XX/XX/year> mortgage payment issue and whether their internal policies are consistent with XXXX requirements. 
Address the lack of flexibility and manual underwriting options applied by the lender. 
Ensure other XXXX are not subjected to similar mismanagement and unfair treatment. 

Thank you for your time and attention to this matter. I am happy to provide additional documentation or details as needed. 

Sincerely, XXXX and XXXX XXXX XXXX XXXX XXXX property : Address : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : XXXX Inquiry Date XX/XX/XXXX Personal Loan Companies XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX XXXX Inquiry Date XX/XX/XXXX Personal Loan Companies XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX XXXX  XXXX XXXX Inquiry Date XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, VA XXXX XXXX Inquiry Date XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX/XXXX Inquiry Date XX/XX/XXXX Jewelers XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Mortgage Reporters XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Mortgage Reporters XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX Date XX/XX/XXXX Personal Loan Companies XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX Inquiry Date XX/XX/XXXX Personal Loan Companies XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Other Collection Agencies XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX Inquiry Date XX/XX/XXXX Personal Loan Companies XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX Inquiry Date XX/XX/XXXX All Banks - non specific XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

helvey and associates is reporting a derogatory account with a XXXX balance. I dispute this regardless as it said i had 10 accounts with XXXX XXXX
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. 

Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX and list of Inquiries. 

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

I have many inaccurate addresses listed on my report. I only live at one address. Also I have multiple misspelling of my name on my report. I only should have one address and on name list on each report.
Product: Credit reporting or other personal consumer reports

I would like to dispute an inaccurate, untrue, incomplete, untimely, not compliant, and/or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report. While studying my report, I have come across a number of mistakes and inaccuracies that you are reporting. Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, Metro 2 Format compliant or else wise compliant to every single one even each any and all of the regulations applicable laws and/or applicable standards of reporting of which you are undoubtedly mandated in your reporting obligation ( s ) to obey without default or deficiency of any sort.

The following challenged information is among such allegations of which each and one all require immediate deletion or removal from reporting otherwise. I demand rightfully that you do so today, even now and here! Below listed is the currently reported not yet proven valid nor demonstrated as being certifiably compliant reported allegation ( s ) of information that I mark as being in question.

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
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint numbers below have not been addressed per the law therefor fraud has been committed False statements have been made Malice. A criminal acts have been made. Who will do their Job today. No investigation Still waiting on Loa the way the law calls for.n assignment sheet No audit done and cant be done without assignment sheet Changes made to contract without my consent loan extension not legal Payoff incorrect. Due to the above. Loan should be void or pay contract value Damages of XXXX XXXX should be awarded. Or XXXX credit line opened with XXXX  All Three CRA should share in the Settlement XXXX XXXX XXXX XXXX XXXX XXXX XXXX This loan should have never been approved I had no job no income no money an income was placed on application after I signed it. This is fraud and should be dealt with by Federal Reserve Justice Department and all other agencies. Predatory lending. Please forward to Federal Reserve. Why are they allowed to do this I made another attempt on my life. Respectfully XXXX XXXX
Product: Debt collection

On XX/XX/2018 I have noticed two collection  accounts were placed on my credit report.they are both from XXXX XXXX/XXXX XXXX XXXX In addition to this information, The accounts are reported as open. I remember those debt has been deleted and removed from credit report a couple of months ago. The debt collection agency has called me and I told them multiple times that that debt has been removed from my credit report months ago ( the debt was not valid ). The same lady representative that works for the company complains ''Oh since it has been removed doesn't mean that you don't owe the debt. I replied " the debts have been removed and if it was placed on my credit report I will file a complaint. She stated it will not be placed on my reported and continually saying just because it has been removed does not mean anything. I told her the debts are not valid and have a different amount for the debts anyway. I also notice that Midwest Recovery has always bought a debt and add it to the credit report with a higher amount than the original bill as well making it a new debt. the debt amount reported to my credit file is {$1700.00} and {$1000.00}.
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.

15 U.S.C 1681 section 602 A. States | 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 15m of momation other stares : ion umation oter than armat any cions of crimes concaniedates te repoor more than seven years.

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: Debt collection

I reached to them to XXXX, and XXXX Knowbody got back to me to let me why is this on my credit report when I have a police report online for identity theft. I also sent them countless letter as well.
Product: Mortgage

Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against Newrez LLC regarding an incident involving a letter I received from them, dated XX/XX/XXXX, and the subsequent lack of resolution or clarity despite my efforts to address the issue. The letter, which was delivered to me in person by a mail carrier and required my signature, caused significant concern and stress due to its tone and instructions. Unfortunately, the actions Newrez instructed me to take led to no further information or resolution, and my attempts to seek clarification have gone unanswered. 


On XX/XX/XXXX, I received a letter from Newrez LLC dated XX/XX/XXXX, at my residence. The letter referenced my property at XXXX XXXX XXXX, XXXX, TX XXXX ( Reference Number : XXXX ). It required me to sign for it at my door, which heightened my concern about the seriousness of its contents. 

The letter directed me to log into their website and follow a series of steps to access a secure attachment. Despite following the instructions meticulously on a desktop computer as required, I was unable to retrieve any relevant or clarifying information. 

On XX/XX/XXXX, I used the Contact Us feature on the Newrez website to request assistance and clarification. As of the date of this letter, I have not received any response or acknowledgment of my inquiry. I am not happy with the lack of follow-Up given it is now 8 days later. 

The lack of clarity and responsiveness from Newrez has caused the following issues : XXXX. Unnecessary stress given the process of signing for the letter and attempting to retrieve the information created undue stress and alarm. 

XXXX. Much inconvenience as I have spent a significant amount of time attempting to resolve this matter through the instructions provided and contacting Newrez directly through both calling and attempting to get a response through the online help method. 
3. Mistrust due to Newrezs lack of transparency and failure to provide clear, actionable information or follow up on my inquiry undermines my confidence in their customer service and security measures.

I demand immediate clarification - Newrez must provide a detailed explanation of the contents and purpose of the original letter, either through regular mail only.

I demand improved communication : Newrez must address the lack of responsiveness to my inquiry and reason for doing so and provide a timeline for responding to customer complaints.

I demand that the CFPB to investigate Newrezs communication practices, particularly in cases where customers are required to sign for concerning correspondence without subsequent clarification.

The inconvenience and stress caused by this experience are unacceptable, and I believe immediate action is necessary to ensure that other consumers do not face similar issues. Please do not hesitate to contact me at [ your phone number ] or [ your email address ] if you require additional information or documentation. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Account XXXX XXXX to my XXXX I was going thought financial hardship and was unable to keep up with my payments. I was so grateful to synchrony bank/ Care Credit for helping me though a settlement on XX/XX/XXXX. Now for about 6 months I've been requesting from synchrony Bank/care credit for a copy of my credit application that started the care credit account on XX/XX/XXXX to see if there are any errors. But they would always respond as if they don't know what I'm requesting followed with a second letter detailing the account history. This is very confusing to me cause I did not ask for the account history. Now I'm asking again though the CFPB for my credit application. If they can't produce the credit application that started this account or it has any errors in it, I kindly request that this account be removed from all credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/2023 I requested that XXXX conduct an investigation into several items on my personal credit report. At the same time I notified the alleged creditors that is was requesting validation of the alleged debt I did not and have not heard back from the alleged creditors at all however XXXX was able to somehow validate the debt. XXXX also performed an investigation on these same alleged accounts and was NOT able to validate or verify the false info and removed accounts from my file. XXXX was not able to validate the debts but yet said they had.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax via phone on  XXXX / XXXX /  XXXX   to inquire about items that were removed and reappeared on my credit report. The first representative,  XXXX , was rude and wouldnt provide information regarding this issue. I asked to speak to a supervisor to report her and she transferrred me to a department that did n't handle the issue I called about. The representative told me that they have no record of any account being removed. I advised the representative of the accounts in question and he advised me of an account I never heard of. I advised the representative again of the accounts and dates removed but he was unable to assist. The representative aslso told me the letter I sent them regarding unauthorized inquiries were in fact mine. I also advised the representative that those inquiries were not accurate. I waited on hold for  XXXX  minutes to speak to someone concerning this issue but the only thing i recieved was a rude representative and a representative who couldnt care less about these inaccurate marks that is affecting my credit. I have attached my credit report along with the report showing all accounts that should be removed from  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I settled account with XXXX XXXX in XX/XX/2022 for {$3000.00}. I have received XXXX settlement in full letters stating the account is closed and payment was received. XXXX letter received in XX/XX/2022 and XXXX in XX/XX/2022. However, the credit bureau is reporting that the {$3000.00} was applied to the balance and I still owe. It says that I have been past due since XXXX. I have tried to dispute with credit bureau XXXX XXXX and it has not been corrected.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I filed a police report and FTC report and submitted them to the credit agencies and disputed my file. The disputes are not being filed correctly and the paperwork is not being attached to the disputes correctly. And I ma not getting copies of the verification process per the FCRA. 

These are the accounts : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

They havent sent me a 1099-C firm they filed, and the accounts are still on my account