23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Received a voicemail from someone named XXXX XXXX and he claimed to be a process server. He stated that he was going to serve me with summons papers if I did not call the company that filed the complaint. He instructed me to call XXXX XXXX XXXX XXXX XXXX XXXX to prevent him from serving me with the summons at my job. He said if I did not answer the summons I would lose my case. He also threatened to contact my employer and inform them that I had a judgment against me and that I would be arrested. This person also left this exact same message on my mother 's voicemail. I attempted to call the number provided but there was no answer. I have received several of these calls since I was notified by XXXX that my information has been compromised.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX, {$1500.00} XXXX XXXX XXXX XXXX XXXX {$20000.00} XXXX XXXX XXXX, {$5900.00} XXXXXXXX XXXX XXXX {$1300.00} im requesting to have all negative items removed due to fraud activity. i am a victim of identy theft. i have submitted all requested. documents and all reports such as FTC reports and also police reports to each credit reporting agency and i still get no response my rights are being violated and this issues needs to be fixed and removed off my credit report immediately. I have contacted credit agency several times and they keep telling me that all the items meet the requirements to be removed.
Product: Credit reporting or other personal consumer reports

On XX/XX/23 I disputed information and provided proof of identity theft snd proof of address I have also supplied identity theft affidavits address affidavits as well with said companies XXXX Experian XXXX XXXX These companies failed to protect my consumer rights and also violated section 605b of the fair credit report act /penal code they have also failed to thoroughly verify fraudulent accounts I have filed a legal suit against the above stated companies I requested that the companies provide proof and documentation as to how they verified the said collections and inquiries on my personal credit report below are the fraudulent Accounts and inquiries from each company XXXX XXXX Experian they gave
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Accounts # 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 an account without my written instructi
ons.
Product: Credit reporting, credit repair services, or other personal consumer reports

account takeover fraud, ID theft, etc previously resolved with local police, FTC & iC3 per links below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX please update to XXXX  balance, never late, no charge off or delete line immediately so that correct history can be attached to new profile created for safety ( pending this institution 's update for over 12 months ) XXXX & XXXX
Product: Mortgage

On XX/XX/XXXX, I entered into a contract on a property and subsequently applied for a loan with Wells Fargo online on XX/XX/XXXX. I was assigned a loan officer named XXXX, who is based on the XXXX XXXX, and we first connected on XX/XX/XXXX. During our initial conversation, I completed the application and sought guidance on locking in an interest rate. XXXX advice was vague, stating it was XX/XX/XXXX, so I decided to consult other professionals before making a decision. 

I confirmed my intention to proceed with the loan on XX/XX/XXXX. On XX/XX/XXXX, at XXXXXXXX XXXX I left a message for XXXX expressing my desire to discuss locking the rate. Unfortunately, XXXX did not return my call until the following Monday, XX/XX/XXXX, by which time the interest rates had increased from 5.1 % to 5.5 %. XXXX informed me that Wells Fargo does not keep records of past rates, preventing him from confirming the rate on XX/XX/XXXX. I requested that the situation be escalated due to the lack of response, but after a week and a half, Wells Fargo refused to backdate the rate lock, forcing me to lock in at 5.625 %. 

Throughout this process, I had to consult with XXXX other loan officers who provided valuable advice that XXXX had not offered. I also discovered that the increase in the interest rate had raised my Debt-to-Income ( DTI ) ratio, putting my loan approval at risk. XXXX did not inform me of this risk and instead added {$8000.00} in buy-down points to lower the rate and keep the DTI in line, despite my initial refusal to buy down the rate. 

As of XX/XX/XXXX, one day before the original closing date, I still do not have underwriting approval. The underwriting process only began on XX/XX/XXXX, despite my application being submitted on XX/XX/XXXX. There has been no communication regarding a new closing date, causing significant planning issues for the seller and listing agent. After being assigned a new loan officer, I learned that several errors had been made throughout the process, leading to significant delays. 

Despite numerous attempts to escalate my concerns and speak with managers, I have received no responses to my calls or emails. I feel taken advantage of and misled, as the lack of timely communication and poor advice have forced me into a higher payment on a loan that was already at my maximum budget. I am now at risk of losing the house due to these delays. Additionally, there has been no communication between my lender and real estate agent, adding to the emotional and financial stress of this process. I believe my loan has not been processed efficiently or correctly, resulting in higher rates and fees, and it seems that no one at Wells Fargo is willing to help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter dated  X/XX/2017    from Synchrony Bank where I have accounts, that " a request has been sent to the  XXXX   XXXX   credit reporting agency re questing that the inquiry reported under the Synchrony Bank be deleted from your credit profile ''. There was no contact name on the letter, no record or incident number, no contact info other tha n a   XXXX   XXXX   number i n  XXXX , Ohio. The letter also incorrectly specified a middle initial for me even though I have no middle name. I tried to contact the bank by phone soon after receiving the letter but no one I reached knew anything about it or could help further. The exact wording of the letter is not clear as to what happened ( I ca n't understand it ) but it did trigger  XXXX  other letters from  XXXX   XXXX  and the  XXXX  other major credit monitoring services  (   XXXX  and  XXXX   ). T he  XXXX  from  XXXX   XXXX  referenced the original bank letter, I think, by indicating  " Re :  SYNCBJCP '' but otherwise did not reference the bank by name but did say that the " above creditor ... received a credit application containing your name and social security numb er '' ( more information than was in the banks letter ).    This whole think has caused stress and concern for myself. I would like to think I am sophisticated about these things but I am not sure this is some kind of scam or not. Initially I thought so but since the bank 's letter preceeded all of these notifications from credit reporting issues about an " incident '', I am not so sure.   I would like some knowledgeable person from Synchrony Bank to either confirm that the initial letter was a scam ( that somehow triggered the letters from credit reporting agenc ies ) o r, if not, please detail what happened, especially if someone has tried to use my information to apply for credit.   Thank you for your time and consideration.
Product: Credit reporting or other personal consumer reports

Credit Consumer Agency such Transunion, XXXX and XXXX are Reporting false late payments. Ive never been late because I'm on a Forbearance program until XXXX XXXX. Ive notified All ( 3 ) Agency with a Letter of Proof of from XXXX XXXXXXXX XXXX XXXX and which clearly Shows ive never been late and My first repayment begins XX/XX/2025 Ive had to send a copy of the Letter to All 3 Agencies with Proof of Non late payment as was shown on my Reports. Please address this Inaccurate with a complete of investigation and please report the Accuracy which ive never been late. Thank you
Product: Credit reporting or other personal consumer reports

Dear Equifax, I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my right under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as XXXX by federal law. 
Recently, the Consumer Financial Protection Bureau files a lawsuit against XXXX for its failure to properly investigate consumer disputes citing, sham investigations and other unlawful practices. These practices, as outlined by the CFPB include : Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previous disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 
The allegations highlight systemic issues that directly undermine consumer protection and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner.
Product: Credit reporting or other personal consumer reports

You do not have my permission to share my nonpublic information to unaffiliated third parties, namely XXXX, XXXX, and XXXX. 

Not only is the information being reported to the consumer reporting agencies inaccurate but also I have the right to privacy under 15 USC 1681a ( 4 ). I was not properly informed of my right to opt out and would like to exercise that right, pursuant to 15 USC 6802. There is NO law stating that this information needs to be reported. In fact, according to 15 USC 1681 2 ( A ) ( i ), a consumer report should NOT contain " information solely as to transactions or experiences between the consumer and the person making the report ''. Also, according to 15 USC 1681 2 ( B ), the consumer report should NOT include " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ''. Pursuant to 15 USC 1602, as of being informed of my desire to exercise my right to privacy, the reporting of this information is now an unauthorized use of my social security card for which I receive no benefit. Continuing to do so would make you negligent and could further damage my reputation and perceived creditworthiness leading to more financial damages for which you would be criminally and civilly liable should I have to resort to taking legal action, pursuant to 15 USC 1681o ( a ) ( 1 ) and 15 USC 1611.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 I used ACI Payments to pay the IRS. In their terms and conditions they attempt to require arbitration and claim to provide a means of opting out by dialing a specific phone number ( XXXX ). When I attempted to dial this phone number there were no options to opt out of arbitration, and no ability to speak to a live person. 

I filed a complaint with my state 's Department of Justice, which was forwarded to the CFPB as complaint # XXXX. I later received a phone call on XX/XX/2022 from somebody claiming to represent ACI Payments, promising to send me confirmation of my successfully completed opt out. As of the date of my filing this complaint ( XX/XX/2022 ), I have received no written confirmation, nor any further contact from ACI Payments. I have no way to prove that I have refused to waive my right to a trial by jury or judge in court and my right to participate in a class action. 

I have two issues with this situation : - I did not receive any written confirmation that I have opted out of ACI Payments ' attempt at forced arbitration, even after my complaint was escalated to the CFPB and I received a phone call from ACI Payments promising that I would receive confirmation. 

- ACI Payments ' arbitration opt-out process as outlined in their terms and conditions does not appear to work, and provides the person opting out with no means of having a written record of their having done so. This is certainly convenient for ACI Payments, but not so much for consumers.
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.

has violated my rights. 


XXXX XXXX XXXX Original creditor XXXX XXXX Last activity XXXX Balance {$820.00} XXXX XXXX XXXX Original creditor XXXX XXXX Last activity XXXX Balance {$640.00} XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX Last activity XXXX Balance {$840.00} XXXX XXXX A Original creditor XXXX XXXX  Last activity XXXX Balance {$510.00} XXXX XXXX XXXX XXXX creditor XXXX CREDIT CARD Last activity XXXX Balance {$1200.00} XXXX XXXX XXXX Original creditor XXXX Last activity XXXX Balance {$690.00} XXXX5 U.S.C 1681 section 602 A. States I have the right to privacy.

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.

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

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 or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, THE LISTOF ACCOUNTS BELOW HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALY UNDER USC 1681.

THE ACCOUNTS BELOW HAVE VIOLATED MY RIGHTS.

15U.S.C01681 SECTION 602A. STATES I HAVE THE RIGHT TO PRIVACY.

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 RECORS OF CONVICTIONS OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THAN SEVEN YEARS.

15 U.S.C 1681S-2 ( A ) ( A ) 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. 

DELETE THE ACCOUNTS BELOW. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have sent this Resurgent Capital Services c/o LVNV Funding , LLC XXXX letters asking to verify this debt. They sent back a statement which does not validate the account. I requested 'I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount for the above XXXX accounts. 

Also they updated credit report with comments saying I disputed this account when I have only ask them to Validate the account.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Payday loan, title loan, personal loan, or advance loan

I took out a loan with XXXX  XXXX in which was given to a company called Systems and Services Technologies , Inc. I was terminated from my job positions after the loan was approved, I was unable to pay my payment for the loan among other expenses, I was evicted from my home and lost my car along with being denied unemployed benefits for a previous conflict. I have no family, friends or other financial assistance, I was able to pay the loan back after settlement, the remaining balance was waived and this account is now removed from all my credit reports. I got a call from a third party collections agency called XXXX XXXX that informed me that the account was sold to them and I kindly informed them that it was already paid. They broke the contract by selling the account to a third party.
Product: Credit card or prepaid card

Citi bank has deceptive trade practices with luring in individuals in regards to doing a balance transfer at 0 % APR for a year, unless you use your card at all then it essentially nullifies this and you have to pay the entire balance or they will not apply the payment to the right balances due per segment of charges. For example, I signed up via their app to transfer $ XXXX at 0 % APR and paid XXXX transfer fee. Well I had purchases on the card like anyone would with XXXX that month. Since I had auto pays after the transfer processed they took my {$1300.00} payment and applied it to everything but that balance of the XXXX charging 23.99 % interest and you literally now can not pay it off unless you pay everything including that transfer off. Their disclosure is deceptive as well that they sent. It does not specify your balance transfer that you're making would have to be paid in full which literally cancels out your purpose and nobody would do it if that was clearly written and not a bait and switch tactic/deceptive practice. It removes your right to use your card as agreed upon after a balance transfer until it processes which is in their complete control which to me is a fraudulent practice. So now, I am out of the balance transfer amount, the amount they charge in a fee 5 % and any interest on the those amount from the previous statement that they refuse to appropriately apply the payments to.
Product: Credit reporting, credit repair services, or other personal consumer reports

Originally, XXXX XXXX placed a collections account on my credit report in the amount of {$780.00} that I have no recollection of and that I believe is not mine. I have a current credit card with capital XXXX and it is in good standing. I asked XXXX XXXX to validate the debt and just as it reached its 60 day mark to validate, XXXX XXXX sold the debt to XXXX XXXX XXXX and now they own the debt and placed it back on my credit report. I have sent numerous letters asking them to validate the debt and have received no response. I have also sent letter to the credit bureaus and they report that XXXX XXXX have electronically validated the debt but they can not send that information to me. I believe this is not mine and I have a right as a consumer for any debts placed on my credit report to be validated with documentation that is not a bill. This type of reporting is illegal and violates my rights!
Product: Checking or savings account

Bank of America allows fraud customers to keep my money Good Afternoon, My name is XXXX XXXX. On XX/XX/XXXX I received a text, from my bank stating that a purchase had been declined at a XXXX. I was not making the purchase. I looked up my bank number and as I was about to call, the actual bank was calling me. They told me someone tried to use my debit/credit card, While we were on the phone received another text stating that {$3500.00} was coming from my XXXX account XXXX There was a very strong sense of urgency from them ( XXXX XXXX bank ) to get it resolved before they ( alleged hackers ) got all my money from me..I was terrified. Phone kept disconnecting & every time I tried to call back XXXX XXXX back they would quickly call me back. They told me someone hacked into my XXXX and I had to do a XXXX reversal. They had me do it in my name and said the number I put in was a reversal code, NOT a phone number. They had me terrified. Very scripted and professional fraud. They told me once I had reversed all three of my accounts it would block the thieves and I would see my account balances be back at the amount it was when I started. I even received text from thieves ( posing as bank ) that said thank you for XXXX reversal. When all three of my accounts were emptied, the man on the phone ( said fraud banker from XXXX ) apologized and said too much time had passed and I would not see the money back in my account until the next morning. Instantly tearful I hung up and realized I had been scammed and called my bank right away. The fraudsters hid behind the actual bank number and sent text messages that looked exactly like the banks. Showed a banker at my bank and they agreed it looked so legitimate. I went to my bank, reported it to the police and even got Bank of America to freeze the perpetrators account because they knew these scams had been happening. Ive done my due diligence to advocate for myself as a victim. I did not receive my money back ( will not give up the fight to get my money back, I am the victim ) but I want to stop these low life, heartless humans. The number of the person who received the money was XXXX My bank ( XXXX ) told me they banked at Bank of America and Bank of America confirmed they did and Told me their name was XXXX XXXX XXXX ( not sure if spelling is correct ). Please please, things need to change. The thieves are advancing the banks & people like me are suffering without our banking backing us up. 

I need my voice to be heard & my money back to me. 

Sincerely, XXXX XXXX XXXX Bank customer Scammed by Bank of America XXXX
Product: Credit card or prepaid card

Hello, I received a letter in the mail from Chase bank in the mail XXXX XXXX. The letter, dated XX/XX/XXXX stated that I needed to provide Chase information to show proof of my identify within 14 days. I found it strange because I have had the account in good standing since XX/XX/2022. I faxed the info requested to Chase on XX/XX/XXXX to the fax number provided on the letter. Come to find today my account has been closed. I can provide proof the day the letter was delivered, the letter dated XX/XX/XXXX, and the date the fax was delivered to Chase. I find this to be unfair, business practices. I would like a resolution with a clear explanation how I was at fault. 

I can also provide the actual fax I sent to chase if needed. 

XXXX XXXX
Product: Credit card

Bread Cashback American Express Credit Card are the worst handling rightfully credit card charges dispute.

They are incompetent and rude. They have my evidence presented to them and are playing hardball towards my refund of {$600.00} dollars.