23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

This is a follow on to compaint # XXXX since I have not had a satisfactory end to my original complaint which started back in XXXX. Today is XX/XX/XXXX and back on XX/XX/XXXX, I provided the requested documents to have my mother 's Citizens bank accounts ( checking and savings ) closed and a check sent to me. I have had heard nothing back and have no idea why it's taking so long to resolve this issue. I need help to complete this action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$25000.00}
Product: Debt collection

XXXX XXXX XXXX XXXX is the name of the company XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, ga XXXX They've called on the XXXX and XXXX of XXXX after I've already spoken to them and asked for them to stop harassing me. I've asked them to stop calling and they continue. 
They call from local numbers and when you call back the numbers aren't in service. They do not let you know who they are when they call unless you give them personal information over the phone and only after you give them the info do they let you know who they are.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY PHOTO ID AND SOCIAL SECURITY NUMBER AND OPEN FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTUTY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX XXXX. On XX/XX/2020, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Mortgage

Freedom mortgage prolonged my loan modification process and then when it was too late they filed a foreclosure on my home. I was turning in documents for over four months. They played a strategic game of deception : they would ask for the same documents over and over again.

Two weeks before the foreclosure, they had requested for me to resend some documents that I had sent two months  earlier. Then after I sent the documents they said it was too late and the foreclosure had to proceed, because the date was within 37 days of the sale date. They strung me along during the loan modification process, I sent in all the documents they requested. I should have received a loan modification, instead they foreclosed on my home and they did not give me a chance to do a short sale. 

I hired a realtor after they told me they were going to foreclose on my home and no longer review my loan modification. The realtor submitted one offer for approximately $ 500k. Freedom mortgage was reviewing the offer with my realtor on a Friday and Saturday. on Monday morning at around XXXX XXXX I get a call from Freedom Mortgage saying that the foreclosure sale would be in about a half hour at XXXX XXXX I asked him well what happened with the short sale that we submitted. Freedom Mortgage responded this is an FHA loan and we need to net profit {$510000.00}. One hour later that Monday morning, my house was sold at the foreclosure auction for {$500000.00}. This was under the {$510000.00} that Freedom Mortgage claimed they needed because it was an FHA loan. More importantly they started the auction at {$390000.00}. 

I called Freedom Mortgage that Monday morning and asked them why did they let the property sell for {$500000.00} when I had a short sale offer from my realtor for the same amount. Also I asked them why did they start the opening bid at {$390000.00} when they said they needed to net {$510000.00}. They told me to write a letter and they would try to give me an answer. 

I would never recommend Freedom Mortgage to anyone.
Product: Money transfer, virtual currency, or money service

Around XXXX in XXXX, I had my identity stolen by a hacker who then accessed my XXXX Bank account and somehow reversed all my transactions and took the money. The issue was resolved with XXXX, but now, years later, I am struggling to resolve my issue with XXXX XXXX XXXX XXXX the stock trading app. The hacker had also reversed multiple deposits that I had made from my XXXX account into XXXX, resulting in them freezing my account and leaving me in an account deficit of {$10000.00} on their application. XXXX told me I needed to pay back that defect before they could unfreeze my account. I had some stock in XXXX at the time, So, in an attempt to unfreeze my account I sold my ethereum stock on XXXX, on XXXX XXXX, XXXX am, XXXX ETH at {$3500.00}, with a total notional of {$11000.00}. XXXX accepted the {$10000.00} and cleared the defecit, after which I expected to at least be able to withdraw my remaining {$1700.00}. The issue is that the day after I repaid the defect, they then locked out my account completely, as well as rejected all my support requests, and didnt allow me to withdraw my funds, to this day. I followed their instructions, paid them back their money, and then they fooled me. I would like some help with this issue now, in XXXX. I believe the CFPB is my final resort to resolve this and I hope the ones reading this take this matter with good faith and do what they can to help me. Thank you
Product: Mortgage

XX/XX/XXXX This is a complaint against Quicken Loans on two matters involving Breach of Contract/Failure to perform after demanding fees and being paid for the services. Quicken loans has previously been contacted on these matters. 
1. Quicken Loans, LLC., of XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX, refinanced three properties for me and my husband in XXXX XXXX and to date has REFUSED/FAILED to record associated deeds and other recordable documents despite charging fees for and being paid for the recording, and for forwarding the recorded documents to us, thus exposing us to legal perils of non-recordation. 
By comparison, prior loan owners recorded and provided us re-conveyance documents within 6 weeks of loan closing dates. 

One property with loan number ending in XXXX closed on or about XX/XX/XXXX. Second property with loan number ending in XXXX closed on or about XX/XX/XXXX. The third property with loan number ending in XXXX also closed or about XX/XX/XXXX. Documents attached. 
We fear that Quicken Loans will transfer the loans to other servicing companies who will claim they are not a party to collecting fees and recording documents thus allowing Quicken to CHEAT us of fees we paid and expose us to legal fees to get the deeds and other documents re-prepared and recorded. 

2. Quicken Loans, LLC., of XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX, refinanced property with loan number ending in XXXX for me and my husband that closed on or about XX/XX/XXXX. 
Quicken Loans collected prepaid interest and fees in exchange for skipping mortgage payment for XX/XX/XXXX. But Quicken Loans failed to pay off the loan as scheduled. Consequently, we paid our mortgage for XX/XX/XXXX to then servicing company including the interest and fees for which Quicken charged already charged and collected. Thus, Quicken Loans forced us to DOUBLE PAY interest for XX/XX/XXXX and Quicken Loans refused to REUND it. Document attached.
Product: Credit card or prepaid card

I have had a Pa Eppicard for years. The card had read a balance of less than {$25.00} every time I checked it. I was told by XXXX XXXX in XXXX of XXXX after inquiries that the payments had been made in XXXX and there was over {$9000.00} in my account. So now the money shows up. I was able to take {$500.00} off of it and then no more. They had deactivated the card and told me I should have received a new way to go card. I told them I had never received the card. I was told they would " white list '' the card I had and that I would be able to use it. 2 trips to 2 different banks and many phone calls later I was still not able to take the money out. It the message coming back declined. Service agent XXXX at XXXX Eppicard stated it must be the bank declining it but also said the card was not active. In summary for more than a year they have through deceit kept money from me and when hiding it no longer worked they shut the card off under the guise of we sent you a new card
Product: Credit reporting or other personal consumer reports

To whom it may concern, I am writing to file a formal complaint against XXXX  XXXX XXXX regarding an account that has been fraudulently opened in my name, XXXX XXXX XXXX and XXXX XXXX, which is in result of identity theft. The fraudulent account is as follows : XXXX  XXXX XXXX account number appearing as " XXXX '' for {$520.00} I have attached a notarized copy of the Federal Trade Commission ( FTC ) Identity Theft Affidavit, as well as a police report documenting the identity theft incident. I also have attached my government issued ID and a utility bill for proof of identity and address. As a resident of Texas, I am aware that aggressive consumer laws are in place to protect victims of identity theft. Texas state law, under the Texas Finance Code 20.02, provides consumers with strong protections against creditors and requires swift action to rectify fraudulent accounts. 

Despite my efforts to resolve this matter directly with XXXX  XXXX XXXX, the fraudulent account have not been adequately addressed. Therefore, I am filing this complaint with the Consumer Financial Protection Bureau to request your intervention in resolving this issue. 

I request that XXXX  XXXX XXXX conduct a thorough investigation into the fraudulent account and take immediate action to remove this from my credit profile. Additionally, I request that XXXX  XXXX XXXX provide me with written documentation of the results of their investigation and any actions taken to rectify the situation. 

I appreciate your attention to this matter and look forward to a prompt resolution. 

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

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 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 investigate the unverifiable items and update them immediately in my report : XXXX  XXXX XXXX XXXX XX/XX/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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Vehicle loan or lease

On XX/XX/year>, my case was closed once Carmax responded. The response received was unacceptable. When I requested specific details about the issue, they provided vague or incomplete responses, leaving me without the clarity I needed. My experience with CarMax regarding the excessive late payments on my credit report is clearly frustrating. After acknowledging my complaint, CarMax promised to investigate and contact me, but they did not follow through with any updates or communication, leaving me in the dark about the status of my request. I specifically asked for the removal of the late payments based on the information they failed to provide. Their lack of action on this request shows a disregard for my concerns. By not updating my credit report to reflect the accurate status of my payments, CarMax has potentially harmed my credit score and financial standing, which should have been addressed promptly. Their response indicates a failure to take responsibility for the misinformation I received regarding my payment options, which has led to significant consequences for me. Overall, their inaction and poor communication after my complaint reflect an unacceptable level of customer service and a lack of commitment to resolving my issue.
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX XXXX - XXXX
Product: Credit card

On several occasions in XXXX of 2024 I attempted to use my Capital One card to contribute to XXXX. On each occasion my card was denied. On each occassion the reason given was insufficient funds. I contacted Capital One and spoke to XXXX different company representatives. I was told that I was putting my card number in incorrectly. I assured the Capital One representative I was not and to establish that I paid another vendor using my card and the transaction was approved. At various times the Capital One representatives suggested I pay using another method or pay in person and not attempt to pay on line. 

On XX/XX/year> I checked my card balance and had over {$15000.00} in available credit. I attempted to use my Capital One card to make a {$100.00} contribution to XXXX and the attempt was rejected on the basis " Your card has insufficient funds ''
Product: Credit reporting or other personal consumer reports

Some company has that I have not conducted business with has reported a debt on my credit report. The credit reporting agencies said they only ask the reporter if information is accurate. They do not require any proof of debt. How can a company say you owe a debt without proof? Moreover, the agency is asking ME to provide documentation showing I do not owe a debt from a company I have never heard of. Basically the agencies are not investigating at all. Why should consumers have to spend money hiring attorneys to prove our innocence? This process is abusive to consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are reporting on my Credit Reports and need to delete immediately : Wrong Name : XXXX, XXXX Wrong Addresses : XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX, GA XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon my review of my consumer reports it has come to my attention that XXXX is reporting accounts to my Consumer reports that I did not give you any express permission or permissible purpose to report. 15 USC 1681b2 As a consumer I have the right to privacy pursuant 15 USC 1681, 15 USC 1692, 15 USC 6801.

My private information is my business, my student loans are my private information, and you have reported my private information without my consent. Your actions amount to aggravated identity theft. 
18 USC 1028A.

As a consumer you have an obligation to protect my personal nonpublic information.

15 U.S. Code 6801 - Protection of nonpublic personal information- It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 
You reported my confidential and private information to a nonaffiliated third party without my permission or without giving the proper disclosures. Pursuant 15 USC 6802 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless : a ) The financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; b ) The consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party c ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

I am requesting all my disclosures pursuant 15 USC 6802 B that you should conspicuously disclose to me before reporting of my non-public personal information to nonaffiliated third parties ( Experian, XXXX, XXXX, XXXX  ) I am exercising my right to opt out of having my information reported pursuant 15 USC 6802B Due to this inaccurate information on my credit report this has caused me mental, emotional stress and denigration to my character. XXXX XXXX servicer have stolen my identity, violated my consumer rights, my right to privacy and the obligation you have to maintain the security and confidentiality of my private information. 

See below on the 11 accounts that need to be deleted off my credit report immediately XXXX ) XXXX XXXX ) XXXX XXXX ) XXXX XXXX ) XXXX XXXX ) XXXX XXXX ) XXXX XXXX ) XXXX XXXX ) XXXX XXXX ) XXXX XXXX ) XXXX XXXX ) XXXX
Product: Checking or savings account

There is a posted transaction on my account for {$220.00} on XX/XX/2024 however I sent that money on XX/XX/2024 to someone who I met on XXXX who was planning on doing my eyelash extensions. She had me send a deposit of XXXX $ that would hold my appointment with her and towards materials with my full price being XXXX. After sending my deposit of {$220.00} she then blocks me from contacting her further when I try to message her about my appointment I am no longer able to contact her. I used my boyfriends account to reach her and she blocks me on his page as well. I was charged XXXX without receiving any services that was promised. This lady scammed me and took my money and now theres no way to get my money back according to XXXX  even though I paid using my debit card. 

I already filed a claim with my bank and they are telling me even though its a fraudulent transaction since they cant get their money back from XXXX  that i will still be penalized for falling victim to a scam this is wrong.
Product: Debt collection

The original creditor was XXXX XXXX ( XXXX ) the reason for my debt when I moved from my townhouse to my new apartment my apartment complex had an contract with XXXX XXXX XXXX so I inform XXXX XXXX ( XXXX ) of my situation. I spoke to a XXXX ( XXXX ) representative about my situation she asked could I pay my balance in full and I said no she said you can make payments but make your sure you make the payments within 30 days so it won't be reported to collection and she asked for my new mailing address in case XXXX ( XXXX ) need to contact me so I paid on my account within 30 days every month. A couple of months later I get a letter from a collection agency called XXXX XXXX they inform me they were were working for XXXX ( XXXX ) and explained to them that I was paying XXXX ( XXXX ) something every month to keep this debt off my credit report and XXXX XXXX also agreed to a payment plan witch I had them to automatic draft {$10.00} a month to protect my credit. I noticed months later XXXX XXXX stop sending my receipt so I called them and they inform me that XXXX cancel their contract. I called XXXX ( XXXX ) and wanted to know do I started back paying you because I don't want this on my credit report XXXXt ( XXXX ) told me to contact Sequium Asset Soluti. I contacted Sequium about making a payment I also asked why they didn't contact me the representative they sent a letter out to my old address XXXX ( XXXX ) failed to give Sequium my mailing address they only gave Sequium my the address where i had service at XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Texas not my new address XXXX XXXX XXXX XXXX XXXX, Texas so i wasn't notified of the change of company. I asked the Sequium what do i need to do first he said could you pay in full i said no I wanted to make a payment I said {$10.00} he said that was to low so I said {$48.00} and you can draft the rest out of my account each month in the sum of {$40.00} so it won't go on my credit. The next day it went on my credit report so now i need it to be paid in full if he would have said no matter if you pay payments its still going on your credit report i would have paid it in full. I was also told it would be removed off my credit after i paid in full it's still on my credit I don't have any negative reports on my credit because i am trying to get a home for homeless veterans. I was lied to by Sequium they are some criminals which XXXX has a lot of complaints against Sequium.
Product: Credit card or prepaid card

I purchased tickets on XXXX XXXX in XX/XX/XXXX for a flight in XX/XX/XXXX, for $ XXXX. 

XXXX XXXX cancelled my flight in XX/XX/XXXX. 

XXXX XXXX refused to refund my money, and instead offered me a worthless credit on their worthless airline. 

I initiated a complaint with Bank of America. Bank of America conditionally refunded my money ( see attached document highlighting their conditional credit ), but then when XXXX XXXX responded with granting me a worthless credit on their worthless airline, Bank of America decided that was good enough for them, even though it was clearly not what I purchased! If I wanted a credit on XXXX XXXX, I would have purchased a credit on XXXX XXXX. Instead, I purchased a flight on XXXX XXXX, but all I got was a worthless credit on their worthless airline. 

Bank of America refused to refund my money, stating that I could not receive a refund if the merchant had offered me a worthless credit on their worthless airline. Instead of siding with me as the customer, they sided with the merchant, who obviously had failed to deliver the purchased service. 

US Law requires that flights to or from the US must be refunded if the flight is cancelled. 

I demanded my money back from Bank of America. They refused. 

I need my money back!
Product: Mortgage

My loan servicer has failed to pay the city taxes on my home, which were due XX/XX/XXXX. I contacted the company through several phone calls, 3 emails, and 3 secure messages to fix the issue starting XX/XX/XXXX. I supplied the company with my loan documents from closing, city, and tax-delinquent statements through the company 's approved email address of XXXX. The issue has not been resolved to date.
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife was trying to trade her vehicle in for a newer model and was told from the salesmen that she could not make any trade. She asked why and he gave her no explanation. We then both pulled our credit for ourselves on XXXX  XXXX and there are many joint, unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen our identity and I need these things deleted from my credit report. 

XXXX XXXX {$3100.00} XXXX XXXX XXXX XXXX XXXX {$920.00}