23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX, # XXXX  XXXX XXXXXXXX XXXX XXXX # XXXX XXXX Account XXXX # XXXX  Account 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 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Mortgage

In XXXX I closed on a 2nd mortgage for the down payment on the 1st mortgage with the same lender. I made on time monthly payments through XXXX. During that time the mortgage lender changed 3 times, from XXXX XXXXXXXX XXXX XXXX XXXX, to XXXX XXXX XXXX, to XXXX and Trinity Financial Services LLC, the last lender is attempting to foreclose on the XXXX mortgage stating that I owe almost double the amount of the original loan. I believe the statute of limitations has expired on this debt and that this loan was written off as a result of the housing market crash in XXXX. TFS appears to be a less than actual mortgage lender. There's only virtual mailbox addresses form them. I believe that TFS somehow attained my information and is illegally attempting foreclosure on my house similar to property theft.
Product: Mortgage

NewRez d/b/a Shellpoint is claiming that I am delinquent on my mortgage for 3 months prior to Shellpoint owning my mortgage. Shellpoint purchased the mortgage in XX/XX/XXXX and my payment XX/XX/XXXX was applied to XX/XX/XXXX. I provided proof that I made XX/XX/XXXX payment to XXXX the previous Servicing Company. After round and round, SMS said that XXXX, XXXX, and XX/XX/XXXX were not paid to XXXX. I received extended forbearance for XXXX, XXXX, and XX/XX/XXXX. I made payments for XXXX, XXXX and XX/XX/XXXX but those payments were applied to XXXX, XXXX, and XX/XX/XXXX forcing my account to be past due by 90 days. I never received any notification from XXXX that my account was past due nor did XXXX report to the credit bureau that I paid late. SMS is charging monthly late fees and inspection fees, racking up additional charges to my account. I provided the letter approving forbearance for XX/XX/XXXX- XX/XX/XXXX. I provided XXXX 's payment history for my account. SMS still refuses to stop with the late fees, inspection fees, adverse credit reporting, and correct the payment application. I NEED HELP!
Product: Debt collection

I have several Medical bills from this company, and I never seen these people in my life. I 've been an ID Theft victim for a long time, and I 'm very upset. These need to come off of my credit too!
Product: Checking or savings account

On XX/XX/year>, I made an ATM deposit of {$3000.00} ( XXXX {$100.00} bills ) after bank hours at XXXX. The machine was counting the deposit and an error occurred. The ATM printed a receipt for me to reference the deposit, but did not indicate how much deposit I made. The machine said an error occurred and stated that I needed to call the number on the screen to verify the deposit was registered. I called the number immediately and filed a complain. 

On XX/XX/year>, the bank made a temporary credit of {$3000.00} while they investigated the transaction. 

On XX/XX/year>, the bank sent a letter stating that after their investigation, they determined that I only get partial credit of the amount I deposited. They will withdraw {$1100.00} on XX/XX/year>. Essentially, the bank is saying that they only determined I deposited {$1900.00} even though I deposited {$3000.00}. 

After receiving the letter, I called the customer service line immediately to dispute and want this issue to be escalated and reinvestigated. The customer service person said they will note it in the account and would not provide any additional information. I did not receive any other correspondences from the bank. 

XX/XX/year>, I went to the local bank and the customer service agent called the claims line to help me find out the status of my claim and what can be done to escalate the issue and to have the claim reinvestigated. I was basically told there is nothing else to be done. I would need to submit supporting documentation that I made {$3000.00} in deposit. I made {$3000.00} deposit in cash. I should not be penalized for a faulty ATM. 

The {$3000.00} is the amount I needed to pay my credit card with bank because I made purchase of XXXX plane tickets that total {$3000.00}.
Product: Credit reporting

Please see the CFPB number listed below and the response from Equifax. Equifax stated they would send a copy of my credit report and score, which they did not ... I was denied credit based off the score Equifax provide XXXX XXXX. I have Equifax Monitoring system, and they score is stating I have an XXXX, but the score provide to XXXX XXXX is XXXX ... I have attached the letter from Equifax stating they would provide me with my score. I attached the letter they sent as always they are trying to hide the truth! 
Please question why Equifax did not send the score and report as they promised. Now, I have been denied credit because if there concerns with keeping consumers credits score low for greater interest rate for banks and others. Please see all the attached letters and sue Equifax for there action and I will consult an lawyer as well. 

How can Equifax provide a score directly from there site and give a creditor a totally different score .... XXXX stated they got that score directly from Equifax! Please see pictures and letters. Someone is not telling the truth and the lawyer will find out as well. 

# XXXX Response disputed Equifax said : Explanation of closure Equifax has reviewed your complaint and its records regarding your dispute. A revised copy of your credit file has been sent to XXXX XXXX. Equifax has sent you a complimentary copy of your credit file with credit score on XXXX/XXXX/16. 
Written confirmation has been mailed to you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX ExperianXX/XX/XXXXXXXX XXXX, TX XXXX Dear Experian I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. 

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : Creditor : XXXX  XX/XX/XXXX Inquiry Date : XX/XX/XXXX I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. My contact information is provided below and I have included proof of my social security and current address to avoid any delays in your response time. 

I look forward to receiving an updated copy of my credit report reflecting the above correction. Thanking you in advance. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

I have been a member of Wells Fargo since 1989 when it was XXXX. My account was overdrawn on mutliple occasions between 2000 - 2017 due to overdraft fees erroneously taken out of my account. I believe I may also be entitled to remediation due from the recent XXXX. In addition, I believe I was also the victim of redlining when I applied for a car loan and was denied despite having a good credit score and XXXX  XXXX in the bank. I was told a letter explaining the denial would be provided but I don't recall ever receiving such a letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America, or those working on behalf of, for the interest of, or for the banks benefit, accessed my credit reports at a time when the bank claimed there was no existing relationship between myself and the bank between XX/XX/XXXX through XX/XX/XXXX and beyond. 

In addition to improper inquiries, sharing of information obtained from and through accessing credit reports for purposes that aren't allowed by law, I've had my personal, financial and private information grossly compromised due to such conduct and behavior.
Product: Credit card or prepaid card

On XX/XX/XXXX and XX/XX/XXXX fraudulent withdrawals were made on my Bank of America ( BofA ) Nevada Unemployment Debit Card, totaling {$1900.00} I contacted BofA in order to report the fraudulent activity. They proceeded to close my account and mail me a new debit card. Upon receipt of the new card I learned that it had already been closed due to a fraud report on my account. I also received a letter from BofA dated XX/XX/XXXX which states that my fraud claim has been closed. 

Upon contacting BofA I was informed that I needed to contact my " sponsor '' ( Nevada DETR ) to verify my identity in order to reopen my account.

I contacted Nevada DETR and sent all identity validation documents necessary to reopen my account. 

My debit card account with BofA is still closed and I am unable to receive any weekly unemployment benefits ( my only income ) until the account is reactivated. BofA refuses to look into the matter, and also refuses to investigate my fraud claim or reimburse my stolen funds ( {$1900.00} XXXX. 

The funds were ALREADY on the the BofA debit card, and I believe it is their responsibility to investigate the claim in a timely manner.
Product: Money transfer, virtual currency, or money service

I am writing to formally expressed my concerns regarding zelle handling of disputes, particularly in light of the Recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous of times and reported discrepancies my financial institution and Zelle. The CFPBs findings indicate that XXXX has not only neglected to protect customers but has also allowed, repeat, offenders to exploit leaving the system leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to submit a complaint regarding fraudulent accounts listed on my credit reports provided by XXXX, Equifax, and XXXX. Over the past several months, I have discovered unauthorized accounts on my credit profile which I believe are the result of identity theft or fraud. 
I have repeatedly contacted [ XXXX, Equifax, and XXXX ] from XX/XX/XXXX to XX/XX/XXXX to dispute these accounts and requested their immediate removal. Despite providing sufficient evidence and following the necessary procedures, I have either received no response or inadequate responses, and the fraudulent information remains on my credit report. 
The presence of these fraudulent accounts has severely impacted my credit score and has caused significant distress due to the potential for long-term financial harm. 
I am demanding that the following fraud accounts be removed from my credit profile without further delay : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I have a current conventional mortgage with XXXX XXXX. They transferred servicing to The Money Source, Inc ( TMS. www.tmscustomer.com ). My desired outcome from this complaint is to change TMS as my servicer, refund the unnecessary fees they charged me and to fine TMS for their unkind and inflexible practices.

I have owned multiple mortgages for the past 10+ years and never once been late or been charged a late or other fees, until TMS took over one of my mortgages recently. I had sufficient funds in my account at the time TMS transferred my loan and charged my account. But they are saying my payment bounced so they added a {$15.00} fee, even though my resubmission went through within a day or so. Furthermore, I have had difficulty setting up recurring payments with them. I called and asked kindly for them to waive this fee and they would not entertain my request. Their customer service was less than flexible or helpful in this regard. Their payment process is quite cumbersome and unfriendly.
Product: Bank account or service

An unauthorized charge was made on my debit card using the PIN on  XXXX   XXXX . The same day, I disputed the charge, filed a police report and filed a report with the security at the location of the ATM. The bank closed the dispute claiming that because my PIN was used there was no evidence of fraud and the claim could not proceed. This is a direct violation of   XXXX   XXXX   XXXX  It is not my reponsability to make guesses as to how the culprit got my PIN, nor is it my responsibility to tell the police what to write into reports. Most importantly, because I reported the violation within  XXXX  hours, my liability remains at a maximum of {$50.00}  XXXX  pin or no pin ) and under the banks own "  XXXX  liability '' policy, I should receive full reimbursement of {$400.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : - XXXX XXXX  XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XXXX  XXXX XX/XX/XXXX - XXXX  XXXX XXXX XXXXXX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX  XX/XX/XXXX - XXXX/XXXX  XXXX  XXXX XX/XX/XXXX NEGATIVE ACCOUNTS : - US DEPT ED Account # : XXXX - XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # : XXXX - XXXX  XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX ) Account # : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

During Covid, I was given XXXX deferred payments, which were supposed to be added to the back of the loan. On XX/XX/XXXX, the loan reached its full original maturity, but the company demanded full payment, despite the XXXX deferred payments. I made my regular payments in XXXX, yet they reported to the credit bureau that I didnt pay on time, which is incorrect. I made a payment in XXXX and paid the entire remaining balance of {$720.00} on XX/XX/XXXX. 

I spoke with the compliance officer about the XXXX payment being reported late, but she refused to acknowledge that both payments had been made. I also emailed the CEO but received no response. In retaliation, the compliance officer then reported to the credit bureau that I was late for the XXXX payment as well, even though I had paid the full remaining balance on XXXX. This is poor business practice, and I have all my receipts proving that the payments were made on time.
Product: Credit reporting or other personal consumer reports

XXXX, Equifax and XXXX have violated 15 USC 1681 as to reporting 100 percent accuracy to my credit profile. I have have since noticed when trying to purchase a home that ( XXXX XXXX XXXX ) Is listed several times on my credit report. Meaning it's being reported under this name and then under the debt collector that they illegally sold my information to. I by the way have no written permission to sell anyone my personal information. I believe this reporting is a double jeopardy. Although the balances might not reflect under each name I still have the derogatory mark and the negative remarks for both accounts effecting my credit score. But above all not XXXX of the XXXX reports for either company reflects the correct or accurate information. It is very deceptive when one shows a whole different amount being {$300.00} and the debt collector shows {$430.00} XXXX company stating the date opened as being XX/XX/XXXX and the other as XX/XX/XXXX. This is impossible to have XXXX different amounts and open dates for the same debt. So with that being said why would anyone reviewing my credit report see this as the same company. They would not and it was made to look this way to cheat the system. This has been very damaging to my report for a long time. I have been being negatively impacted by this and violated in so many different way. The credit bureaus have allowed such to take place. I have brought this to their attention and disputes several times and ways only to receive a validation of the debt back. This is a very slimy way of reporting and does not by any means comply with the frca laws to protect consumers reports. I want both accounts removed from my report or I will take legal action. The FDCPA laws are not being followed and I want it to end now.. I want my creditworthiness back.
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 Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account XXXX has violated my rights . Or a 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: Debt collection

Credit Collections Serivces/ Third party Affiliations In Pursuant of 15 U.S. Code 1692 ( a ) Congress finds there is abundant evidence of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasion one 's privacy
Product: Credit reporting or other personal consumer reports

My credit report is showing late payments to DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATIONXXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATIONXXXX XXXX XXXX and DEPT OF EDUCATIONXXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXXXXXX XXXX customer service representative.
Product: Credit reporting or other personal consumer reports

SO PREVIOUSLY I ORDERED TIRES THRU A COMPANY THAT USES AFFIRM. THE TIRES WERE LEFT IN A MAIL FACILITY THAT WAS UNSECURE IN MY APARTMENT BUILDING. I WAS ASKED TO PROVIDE POLICE REPORTS. IN XXXX XXXX THIS IS AN ONGOING PROBLEMS AS CRIME ARISES. I HAVE DISPUTING THIS THERE IS NOTHING ON MY CREDIT PROFILE THAT EVER SAID I DIDNT MAKE A FIRST PAYMENT. I HAVE DISPUTED THIS NUMEROUS OF TIMES AND HAVE HAD NO LUCK ITS HARASSING AND IVE SPENT MONEY IN TRYING TO REPAIR MY CREDIT. IT HAS BLOCKED FROM OBTAINING CREDIT. PLEASE STOP REPORTING FALSE INFORMATION TO THE CREDIT BUREAU. YOU RECEIVED THE POLICE REPORT. I HAVE PREVIOUSLY DISPUTED THIS AS IDENTITY THEFT. IN ADDITION THEY ARE REORTING AND ADDRESS IN XXXX XXXX XXXX THAT HAS BEEN ASSOCIATED WITH IDENTITY THEFT. I HAVE NEVER BEEN ASSOCIATED WITH THIS ADDRESS. 

Violations of FDCPA Your company has engaged in actions that constitute violations of the FDCPA, including but not limited to : XXXX. Harassing Communications : CONTIUNOUSLY REPORTING INACCURIES TO CREDIT BUREAU AFTER RECIEVEING POLICE REPORT. 
XXXX. Failure to Provide Debt Validation : HOW CAN DEBT BE VALID I NEVER PHYSICALLY RECEIVED A STOLEN PACKAGE XXXX. Misrepresentation of Debt : DEFAMING MY CHARACTER AS I HAVE DEFRAUDED YOU XXXX. Third-Party Disclosure : SHARING FALSE INFORMATION WITH CONSUMER REPORTING AGENCIES. 

These actions have caused me emotional distress, financial harm, and undue hardship, and I hold your company accountable for these violations. Demands XXXX. Cease All Communication Stop all direct communication with me, including phone calls, emails, text messages, and letters, as well as any contact with my family members, employers, or other third parties. 
XXXX. Compensate for Damages As a result of your violations and the distress caused, I demand monetary compensation in the amount of {$5000.00} to resolve this matter without further escalation. This amount reflects the harm caused by your non-compliance with the FDCPA and the emotional distress resulting from your unlawful practices. Notice of Escalation Failure to comply with these demands within 10 days of receipt of this letter will leave me no choice but to :
Product: Checking or savings account

Once again my debit card has been hacked by XXXX XXXX. I filed a claim with Truist and they denied it. 
I sent an email to TRUIST ( Below ) " I dont understand how this keeps happening and how Truist can not protect my account. The claim information is below- Please let me know what additional information you require. I was in XXXX XXXX CA for work this week, perhaps your fraud department can contact XXXX XXXX  to get the name and address of the restaurant and the delivery address. 
What restaurant did XXXX XXXX pick up the below orders? 
What address did XXXX XXXX  deliver to? There were three on the same day. We will need to am going to close our accounts once this is resolved. Its a pain to do ; however I cant keep losing money and battling what should be an easy fraud to identify. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Status description Weve completed the investigation of your disputed transaction. Review any communications sent to the address on file for your account for more details about your claim, including any formal report of our investigations results. If you have questions, call us at XXXX. 
Claim closed XX/XX/XXXXXXXX XXXX XXXX XXXX
Product: Debt collection

I received a notice in the mail ( regular mail ) stating they are going to garnish my wages from a very old employer. I have no idea who these people are. I looked online using a case number they provided to find I have a judgement from XXXX for approx {$2200.00}. I was never informed of such judgement. The amount they state I owe is now over {$3000.00}. I left a message and sent a letter asking for validation with no reply. I am unaware of any debt owed. Not sure how they got a judgement when I was never served or notified to begin with?