23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I had a medical procedure done that I XXXX paid for in cash, at a discount. A couple months later I get a bill from XXXX XXXX for what would have been the balance due if I went thru the insurance instead of paying cash. I went to their local office & they confirmed that I am payed in full. Subsequently I have receieved notices from CMRE trying to collect. I am Paid in full. I want this resolved asap please.
Product: Mortgage

I was recently made aware that my name and financial information appears in a WELLS FARGO Loan Modification of a property I had, about 10 years ago, signed off to my ex partner and our children. I was under the impression I had no legal matters in this property since I had signed the Quit Claim Deed and financial responsibility papers, but apparently my ex processed the papers to take me out of the title, but not out of the loan. She then found herself having to apply for a loan modification, and the bank allowed her to process it without my knowledge even though apparently my name is still on it. I appear as the principal borrower, since my ex does not have an income, but nevertheless I was never contacted, I never signed any papers and never provided any income verification or any information whatsoever. I have tried many times to get an answer from WELLS FARGO by phone and also by walking into one of one of their branches, but all I get is a lot of unacceptable excuses. By phone I am told that since I do not appear on the title, I did not have to sign the loan. I have requested the Loan Modification papers that were signed, and all I get in the mail are papers unrelated to my request. When I walked into the branch, the person that was helping me with my questions quickly called the manager, just to hear from her that they could not help me there. I asked to be given the address of the office I need to go to, and her response was that there was not such a place, that the modifications were done by phone and that there was no physical place I could go to. She then proceeded to asked me to leave because she had others to attend to. I was even escorted out.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a complaint regarding the incorrect information present on my credit report. On XX/XX/XXXX, I contacted XXXX to dispute the following inaccurate information on my credit report. Despite my efforts, to this date, I have not received a response or resolution from them. 
I am requesting the immediate correction of the following errors on my credit report : The account with XXXXXXXX XXXX ( Opened XXXX XXXX, XXXX, Balance {$170.00} ) was never late. Please correct/update this inaccurate information on my credit report. 
The account with XXXX XXXX ( Opened XXXX. XXXX, XXXX, XXXX {$260.00} ) was never late. Please correct/update this inaccurate information on my credit report. 
The account with XXXX XXXX ( Opened XXXX XXXX, XXXX, Credit limit {$200.00} ) was never late. Please correct/update this inaccurate information on my credit report. 
The account with XXXX XXXX XXXX XXXXXXXX XXXX ( Opened XXXX XXXX, XXXX, Credit limit {$500.00} ) was never late. Please correct/update this inaccurate information on my credit report. 
The account with XXXX XXXX XXXX ( Opened XXXX XXXX, XXXX, Balance {$1300.00}, Original Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX  ) is not mine. Please remove it from my credit report. 
The account with XXXX XXXX XXXX ( Opened XXXX XXXX, XXXX, Balance {$390.00}, Original Creditor Name XXXX XXXX XXXXXXXX XXXX XXXX  ) is not mine. Please remove it from my credit report.
Product: Credit card

I called called get a replacement credit card so to a lost or stolen card and I was told that I was giving them the wrong information that was on file and there was nothing they could do because they couldn't gan access to the accounts so I requested to speak with the froud department to file fraud and I got the same response because the personal information I was proving want the information on my account they couldn't assist me any further
Product: Consumer Loan

Bo ... ught a vehicle from drivetime due to bad credit cause mu XXXX mustang was rear ended and totaled and needed a car quickly for va appoiontments. loan had a 24 percent interest rate and a broken down 5 times in two months. Going under cause problems are not covered by the liited warrenty you are forced to buy for XXXX and gap ins for XXXX. I had a XXXX mustang that was rear ended and they say I owe XXXX because I did not not [ urchase gap ins.. They originally said XXXX a month was ok so I went anf got a XXXX car and ins for it. 
three weeks later I get an email saying that deal is is void and have to pay XXXX a moth for 36 moths on top of car and ins. payment..
Product: Mortgage

Our home was hit by the 1-9 Debris flow, qualified/FEMA, mudslide disaster in XXXX XXXX XX/XX/18. Insurance payments to allow me to rebuild are legally held by Ally Bank and XXXX, the loan servicer. In order to pay invoices for work on my home, I have to request money from XXXX, submit to their arduous documentation standards and call them almost every day for 30 minutes to 1 hour. With over {$200000.00} remaining in my escrow account, the bank has decided it will refuse to release any more funds. I have {$200000.00} in invoices due that I have submitted to them, but they refuse to pay. Prior invoices were paid so late by XXXX that they were 2-3 weeks delinquent. I have gone through each manager, used their disupute process and complied with every demand. The money, originally hundreds of thousands of dollars, they are holding in escrow is actually money that I obtained from the insurance company to rebuild my home. Invoices are going unpaid, the contractor may stop work on my home and send me to collections while XXXX  and Ally bank sit on over {$200000.00} of my insurance proceeds. Please help me to get them to release the money that I need to pay my bills.

Additionally, California State law ( XXXX. ) requires them to reimburse me at least 2 % interest on all funds they hold in escrow. They have refused to pay me this interest or acknowledge that it is due. Others with loans serviced by XXXX  also hit by the mudslide have had the same response from XXXX.

This issue has been handled through there telephone service center without results. It has been formally rejected by " corporate '' repeatedly. It has been forwarded to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

XXXX, South Carolina XXXX XXXX XXXX, AMB, AMP, Senior Director of Mortgage Servicing Operations Ally Bank XXXX XXXX XXXX. Fl. XXXX XXXX, Michigan XXXX XXXX XXXX XXXX XXXX Executive Vice President/ Borrower Operations/ Executive Committee XXXX XXXX XXXX XXXX , NJ XXXX
Product: Credit reporting or other personal consumer reports

Subject : Request for Immediate Removal of Personal Identifiable Information and Investigation into Credit Report Discrepancies Dear Sir/Madam, I am writing to formally request the immediate removal of certain personal identifiable information from my credit report. Despite previously submitting five written requests, making three phone calls, and attempting several online submissions, my requests remain unresolved. I have also noted significant discrepancies across my credit reports from TransUnion, Experian, and Equifax, which raise serious concerns about potential identity theft. 

As a consumer protected by federal law, I demand the following deletions to ensure the accuracy and privacy of my personal information : Request for Information Removal : Full Legal Name : Please ensure my full legal name is displayed as XXXX XXXX XXXX only. 
Address Update : Please remove all outdated and irrelevant addresses from my credit report. The only address I request to be included is : XXXX XXXX XXXX XXXX, XXXX, GA XXXX I can not receive mail at the outdated addresses, and I have no access to them. Therefore, I demand the removal of all other addresses listed. 
Phone Numbers : Please delete all phone numbers currently listed in my credit report. 
Social Security Number & Date of Birth : For privacy reasons, please remove my Social Security number and date of birth from being displayed on the credit report. 
Employer Information : Please delete all employer information currently listed in my report. 
Inconsistencies Across Credit Reports : Upon reviewing my credit reports from TransUnion, Experian, and Equifax, I have observed the following discrepancies : Account Number Discrepancies : The same account number appears differently across the three bureaus. This raises concerns of potential identity theft, as unauthorized individuals may be altering or misusing my information.

Payment Status Inconsistencies : There are inconsistencies in the payment statuses across the reports, which could indicate fraudulent activity or errors reflecting transactions I did not authorize. Address Variations : The listed addresses across the bureaus do not match, suggesting unauthorized individuals may be using my personal information at different addresses.

Employer Information : There are discrepancies in the employer information, which may indicate fraudulent attempts to link my identity to accounts I did not authorize.
Product: Credit reporting, credit repair services, or other personal consumer reports

2nd req to you, 4tth req to Transunion ... 
Duplicate hard inquiries appear on my credit report in error by XXXX on XX/XX/19 reducing my credit score. XXXX sent a letter TWICE to all 3 agencies indicating it was an error asking for both inquiries to be removed. ALL EXCEPT TransUnion removed the inquiries & kept them removed. This seems to have happened because TansUnion can't handle how they log inquiries when a customer has a FRAUD WARNING which I did. I had the same thing happen with a different creditor and TransUnion a year later. I TRIED THEIR ONLINE REMOVAL PROCESS which failed, resulting in a form letter telling me it was a valid inquery even though I attached the letter from XXXX telling them to remove. 

You investigated this previously, Transunion said they fixed it but they never did. NEITHER INQUIRY WAS REMOVED. Please help.
Product: Checking or savings account

Chime closed my account due to being in the negatives. Chime was supposed to refund me money years prior due to taking it wrongly and they never payed me back which left me with a negative balance, I was waiting for my check was supposed to come on the XXXX of XXXX and it never showed up in my account told chime they did nothing until I woke up on XX/XX/XXXX to a closed account. I've had so many issues with Chime and tried my best to keep in good standing but they closed my account and didnt inform me I had to find out on my own.
Product: Mortgage

I have been working with Wells Fargo since XXXX to try to get a short sale approved. There have been at least XXXX occasions where the person that I have been working with for an extended period of time has gone out on leave and I have not been notified. No one bothered to check this persons messages or email and follow up with people that the person was working with prior to leaving. Additionally, my realtor has been reaching out to the negotiator at the mortgage company with questions about requested documents and no one has gotten back to to her. My buyer is still interested in moving forward, but does not want to hang around much longer.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act ; XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

To whom it May concern : The following account is the result of identity theft ; this account does not belong to me, and it has already been removed from the credit bureaus of XXXX and XXXX. I kindly request that this account be deleted immediately as required by the Fair Credit Reporting Act. I also need you to provide me with the procedures used. 

The following account is the result of identity theft. 
Fraudulent account name : XXXX XXXX Services Fraudulent account numberXXXX  Dispute Reason : This account is an identity theft and was opened without my authorization. 
This account is not mine. I have never had any kind of commercial relationship with this company. 
I do not understand how this account can be associated with my name and social security, this account does not belong to me, I have never authorized the opening of this account, I have not authorized third parties to make transactions on my behalf, much less reach an of course, payment arrears. 
Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Please note that you have 30 days to complete this investigation as per the Fair Credit Reporting Act Sec. 611 ( a ) ( 1 ) ( A ) and I am maintaining a precise record of actions, including the method of verification. I do not consent to any e-oscar, or any other means of automated verification. 
Please delete this account immediately as required by the Fair Credit Reporting Act Seccion 609e. 

Your immediate attention to this matter is greatly appreciated. Please send me a copy of my updated credit report as soon as your investigation is complete.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft, this company has continued to report to credit and collect on a fraudulent debt. I have disputed with this company 3 times, they now deem my disputes as " frivolous '' and refuse to accept any documentation on my behalf. I have disputed these accounts over and over again with Equifax. I had my ID stolen at age  XXXX , my social security cards, and my ids. They opened numerous insurance accounts, medical, apartments, auto loans, and credit cards, all defaulted on. These debts do not meet FCRA or FCDPA standards. Attaching police reports, and original as well as updated. This debt has already been removed by  XXXX  and   XXXX    because it was deemed fraudulent. I never attended said " school ''. This is a fraudulent account that I did not authorize. Does not meet FCRA OR FCDPA requirements. This account must be removed from all credit reporting agencies.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX  Date of inquiry : XX/XX/XXXX, XXXX XXXX  Date of inquiry : XX/XX/XXXX, XXXX  Date of inquiry : XX/XX/XXXX & XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Debt collection

I tried to explain that this debt is not owed because the manager at the apartment complex this amount is for, reported this debt and lied about the amount when it was paid in full when I moved out of the apartment building, the collection agency has not been cooperating with me and a woman by the name of XXXX XXXX is the one who is in charge of this collection was very spiteful and because I told her I wasnt paying this debt she went and ran a hard inquiry on my credit report, there was no reason for her to run a hard inquiry! Ive tried to get in contact with her and shes not answering, I DONT OWE this money.
Product: Bank account or service

US Department of Justice, FDIC, Office of the Inspector General, federal attorney review, Please. This is a complaint about the Consumer Protection Bureau ignoringrequests on Consumer Protection Bureau filings to have appropriate federal attorneylevels review filings since XXXX, 2015. Most especially, the US Bank filings sinceXXXX XXXX, 2015, should be reviewed by the US Inspector General 's Office, as thisOffice addresses fraud, abuse, misuse of banking systems and supplies, federal lawviolations, general misconduct in banking proceedings, etc. It is the appropriatelevel of Legal Review to have the Office of the Inspector General review howCFPB has handled this matter of filings, since XXXX, 2015, with virtually all requesting, in the opening lines, federal attorney and/or federal agency review, bringing andcoordinating all applicable federal agencies mentioned for thorough dispositioning. 

The Consumer Protection Bureau may be obstructing due processes in law, Obstructing justice, not to comply with customer 's requests. Furthermore, CFPBdiscourages further filings in the future, when there are legitimate complaints tobe filed and knowledge is that the CFPB will block the filings from appropriatelevel of federal attorney reviews. The appropriate and accurate description isinvolving a checking account, but all that has been reported involving US Bank, XXXX XXXX XXXX, too complex to categorize, with serious matters intertwined.
Product: Consumer Loan

I have been unable to drive my vehicle due to Exeter not sending my Title to the Georgia MVA over a year ago. Upon discovering this at the end of XXXX when I attempted to renew my registration, I requested Exeter send the title so I could register my vehicle. It has still not been sent as of today, XX/XX/2017. 

When I spoke with a representative in XXXX, she agreed to have the payment that was due moved to the end of my total payment cycle. That was not done, and Exeter is reporting me as being 30 days late to the credit bureau for a vehicle I have been unable to drive due to their inaction. 

Additionally, they have repeatedly sent the wrong document, which I have told them every time it happens. Some of the representatives have been extremely abrasive and unhelpful.
Product: Debt collection

This item is on my federal but I have contacted the agency they are an able to provide me proof they are a third-party that purchased the debt. She placed me on hold and transferred me to a voicemail after refusing to provide the requested information
Product: Credit reporting or other personal consumer reports

XXXX, Experian, and XXXX is reporting incorrect information onto my consumer report. My name is listed incorrectly and the addresses that are listed are incorrect. My name is XXXX XXXX this is the only name that should be listed and this is the correct spelling anything else is incorrect. My address is XXXX XXXX XXXX XXXX, XXXX  XXXX there should be no other address listed on my consumer report. 

XXXX XXXX XXXX XXXX Experian 1XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Payday loan, title loan, or personal loan

In regards to this bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX On XX/XX/2021 a load agreement was made between opportune and I for the amount of XXXX $ plus interest. They said they would be mailing me a check. I made a payment early in hopes to repair my credit of {$23.00} on XX/XX/2021. I still haven't received a check in mail for this loan.. I haven't made another payment after that. I have made many calls to them. & talked to just about every person in every department of this bank to get this resolved. At first they keep telling me to Waite few more days ..I would Waite couple more weeks. & again no check in mail.so I called back..there was a file made where I have made so many calls and a file has been reported informing of my calls and that I haven't got any check in mail..i was told they would send another ..in XXXX..and again..no check in mail.. now they keep sending me texts saying I am past due and keep calling informing me of my late payment ..not only that my credit score has went DOWN XXXX points!!! Opportune has been able to tell that I have not cashed any check from them .because they stopped payment on the first 2 and said they would just send another. NOW they have my correct address because I have received letters in mail about my late payments due..but they can't seem to send the money. I don't want to pay for something I never received and what I started off trying to do to fix my credit score has made it 100 times worse.. I at one time even tried to opt out of the contract of this loan .to where they said that wasn't an option..nor was a direct deposit into my card account was either... 
PLEASE HELP!! 
XXXX XXXX thank you.. 
You can contact me at XXXX Or At e mail XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX Account #, 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 has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Checking or savings account

My Aunt is elderly and has the onset of XXXX. She needs to be in an assisted living facility and Wells Fargo will not let me access her bank accounts using the POA granted to me so I can help her and see what type of assisted living facility she can afford. Wells Fargo does not care that she needs help and because of this I can not get her the care she needs.
Product: Credit reporting

In XXXX of 2013, I tried to apply for a auto loan and I was denied due to bad credit. This is the first time I 've tried to obtain credit anywhere. When my mom was showed the credit reward, it was all of my father 's information ( bad credit ), but, under my name. We have the same name but different middle initial. We 've contacted XXXX, but, this is a nightmare to try to fix. I want to go to college soon, and will need to apply for student loans, but, with this on my credit, I wo n't be able to get any assistance. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I sent letters to Equifax the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. THIS LATE ACCOUNT IS NEED TO BE CORRECTED OR UPDATED COMPLETELY FROM MY CREDIT REPORT : XXXX  XXXX XXXX-Balance {$190.00} -Date Opened : XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I came across cfpb lawsuit against Equifax I feel I was negative impacted and hurting my chances at credit after receiving a response from earlier disputes that the accounts was verified through E - Oscar verification system