23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My son filed for bankruptcy in XX/XX/XXXX. He has the same name as my husband, althought, he is a XXXX, my husband a XXXX. Somehow, Nationstar Mortgage attached my son 's bankruptcy to our mortgage. It took us 4 months to get it off our mortgage. We just applied for a modification thru Nationstar and it was approved in XX/XX/XXXX. Our son finalized his bankruptcy paperwork in XX/XX/XXXX and once again Nationstar attached the bankruptcy to our mortgage. At this point, Nationstar has our paperwork and mortgage so screwed up since it has a bankruptcy code on it and also is supposed to be in modification mode. They put me on hold from anywhere from XXXX minutes and either do n't get back on the phone or tell me they have to email someone about the situation and check back later. They have notes on the account from when this originally happened but I assume no one ever thought to read them. Also, my son is in no way, shape or form associated with our mortgage or any other of our financial situations. Did it occur to them to check the Social Security # 's. I want the bankruptcy code taken off our mortgage and I want all the paperwork affiliated with our mortgage straightened out. This is ridiculous and very incompetent on their part and also unacceptable. I can not believe this has happened a XXXX time.
Product: Mortgage

I recent attempted to do a refinance with my current mortgage company ( Freedom Mortgage ). The process was initiated towards the end of XXXX, I was put in contact with a loan officer by the name of XXXX XXXX. After speaking with him he sent me all the documents he needed me to sign ( via XXXX ). After all documents were received, he proceeded to explain to me that it would not be necessary for me to send my upcoming payment ( which was XXXX ) because I was going to be in the refinance stage. XXXX clearly stated that in fact I would skip 2 months so there was nothing for me to worry about. Around the 3rd week of XXXX I started getting phone calls from Freedom Mortgage asking where my payment was, I explained that I was in the refinance process. The 3 times that they called me they said " ok we will note it on your account '' and I thought that was that. Then the letters started pouring in to informing me that my account was now 30 days past due and that they had reported me to the credit bureaus. 

I have confronted XXXX with the matter however he continues to minimize or deny he ever told me to not send my payments. I have been made aware that Freedom Mortgage records all conversations so I would like the matter to investigated. I would like Freedom Mortgage to retract what they have submitted. My credit score is something I take very seriously and do everything to ensure it remains in good standing. I just found out today XXXX XX/XX/20 XXXX that my FICO score has gone from XXXX to XXXX. I am beyond infuriated to say the least, THIS IS AN OUTRAGE!!!!! I like most, rely on my credit ; what Freedom Mortgage has done is unacceptable and must be dealt with. 

Last but not least my payment history speaks for itself, if there are any doubts of what has really happened here simply look at my account.
Product: Credit reporting or other personal consumer reports

I have diligently followed the established dispute process, providing irrefutable evidence of the fraudulent nature of these items and any other relevant documents. Regrettably, these fraudulent entries continue to tarnish my credit report, exacerbating the negative impact on my financial standing. 

I wish to emphasize the urgency and severity of this matter, and I express the following concerns : The persistent existence of these fraudulent items not only continues to harm my credit score but also raises serious concerns about the security of my personal information. Immediate action is crucial to rectify this situation and prevent further damage. 

The Fair Credit Reporting Act ( FCRA ) mandates that consumer reporting agencies promptly investigate and correct inaccurate or fraudulent information. The prolonged existence of these fraudulent entries on my credit report is a direct violation of this legal requirement. 

Despite my repeated attempts to resolve this issue, the lack of resolution is unacceptable. I am left with no choice but to escalate this complaint to higher authorities and legal channels if this matter is not promptly and satisfactorily addressed. 

I insist on your immediate attention to this serious matter and a swift resolution to remove the persistent fraudulent items from my credit report. I demand detailed information on the steps being taken to investigate and correct this issue. 

I expect a written response within 15 days, as the urgency of this matter necessitates a more expedited resolution. This response should outline the results of your investigation and the concrete actions taken to rectify the persistent fraudulent entries. Failure to address this issue within the specified timeframe will leave me with no alternative but to pursue legal remedies aggressively. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX Balance : {$990.00} XXXX XXXX XXXX XXXX Balance : {$990.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$990.00}.
Product: Mortgage

Closed (paid off) my FHA loan XX/XX/2019 (have an escrow account refund due within 20 business days) First Freedom Mortgage sent it to the old address so I was told I have to wait 30 days before they can reissue another check. After 31 days, I called them to reissue the check. They stated it'll take 10 days for the process. Called them 11 days later as I hadn't received my refund check. They said they didn't have the right address (even though it was already provided). They said they'll reissue, I'll have to wait 10 days again. Again, no check, called them, their notes indicate they don't have the correct address and I'll need to wait another 10 days for a reissue (correct address has been provided MULTIPLE times with reps validating it each time I called. I demanded an escalation and rapid refund to over night a check to correct this issue. Was told "policy" is 10 days. It's been 43 business days, 64 calendar days for an escrow refund which has to be refunded within 20 business days. This is unacceptable.
Product: Checking or savings account

Subject : Urgent Complaint Regarding Unfair Overdraft Fees and Request for Immediate Investigation Dear [ CFPB or Relevant Department ], I am filing a formal complaint against Navy Federal Credit Union regarding unjust overdraft fees that have been consistently charged to my account, despite my transactions being authorized when sufficient funds were available. These fees were incurred due to delayed or lagged posting of charges and credits, which resulted in settlements that do not reflect my actual available balance at the time of transaction authorization. 

This issue directly relates to the recent findings by the Consumer Financial Protection Bureau ( CFPB ) and Navy Federal 's ongoing lawsuit, which involves similar unfair practices. Despite funds being available when my transactions were authorized, Navy Federal processed transactions in a manner that led to overdrafts, causing unnecessary fees. This practice is not only misleading but also financially harmful to account holders like myself. 

Given the serious nature of this issue and the ongoing {$80.00} XXXX lawsuit against Navy Federal for these very practices, I request that my account and its associated transactions be immediately reviewed, and that a full investigation be launched into this matter. I believe the delayed posting and settlement practices employed by Navy Federal are in direct violation of fair banking practices, and I seek appropriate corrective action and reimbursement for the fees I have incurred. 

Thank you for your prompt attention to this matter. I expect a timely resolution and investigation. 

Sincerely, XXXX XXXX updated address : XXXX XXXX XXXX XXXX, GA XXXX I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB finding against Navy Federal for similar practices, where transactions settled with insufficient balances despite initally available funds, I believe these practices are unfair and request an investigation into my account transactions XXXX XXXX XXXX ending in XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX, CareCredit, Affiliated with Synchrony Bank, authorized a line of credit eventhoug my credit with all XXXX bureaus, XXXX, XXXX and XXXX, has Been locked and frozen since XX/XX/XXXX, It should be wiped off by default either by XXXX or Synchrony Bank fault,
Product: Checking or savings account

On XX/XX/2020 I was victim of identity theft with my car being vandalized by unknown individuals who broke the passenger 's seat window ( the one at the back of driver 's seat ) and stole my wallet and other valuable items ( including a XXXX XXXX ). The incident happened at the parking lot of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, WA XXXX US ) when I was on duty inside the XXXX 's facility between the time I parked the car XXXXXXXX XXXX and my break time XXXX ' XXXX  when I came out of the building. The stollen wallet had everything about me in it ( driver 's licence, XXXX XXXX, SSN card, credit/debit cards, some bank accounts membership card as well as other information XXXX medical insurance card, etc. ). 

While filling out a police incident report with XXXX 's management staff, a couple of hours following the incident, they thieves started making both online and in-store purchases using mostly credit cards. They went up to compromise two of my bank accounts I do have, the one with the Bank of America ( personal account ) and the joint account with XXXX XXXX. They initiated fraudulent funds depots into my Bank of America account and a wired money transfert to my XXXX XXXX joint account ( fortunately this transaction failed ) as XXXX XXXX was able to block it. 

However, as per the attachments the fraudulent depots did into my Bank Of America personal account went through, the bank delayed to stop them in timely manner. This caused my account to run into a negative balance of about - {$3500.00} that the bank want me pay until now while I was supposed to have nearly $ XXXX if the fraudulent depots did not occur. 

Actually, while closing the affected account the bank allowed me to open up a new account but it has not refunded what was supposed to reflect into the old account ( $ XXXX ) prior the fraudulent depots of {$8700.00} ( see attachments ). Their investigations are just taking a too long!!! I have already explained them multiple times that I was not responsible of what happened, that scammers are behind those inconveniences. 

Therefore, I urge the Bank of America to acknowledge my right and refund me my money as well as remove any accountability on me from everything did by the scammers/thieves. I currently struggle from identity recovery so I don't wish to run into additional pressure.
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. 

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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX. XXXX XXXX || Date of inquiry : XXXX/XXXX/XXXX XXXX. XXXX XXXX Date of inquiry : XX/XX/2023 XXXX. XXXX XXXX Date of inquiry : XX/XX/2023 XXXX. XXXX XXXX || Date of inquiry : XX/XX/2023
Product: Mortgage

On XXXX/XXXX/2015 a request for modification review was sent to US Bank. On XXXX/XXXX/2015 at XXXX XXXX a call was made to US Bank - XXXX x XXXX and spoke with XXXX. The notes XX/XX/XXXX from processors were that docs were needed : co-borrowers signature and date on RMA, current retirement award letter and two months proof of receipt, and two months proof of receipt for SSI. On XXXX/XXXX/2015 these docs were faxed to the lender. Nothing had been received from the lender concerning addition missing documents until XXXX/XXXX/2015, where a voicemail was left for XXXX XXXX the processor after a letter stating that an updated XXXX form was needed. This was faxed to US Bank the same day. On XXXX/XXXX/2015 XXXX called in and advised of a new LIST of documents needed now. Stating that they need updated retirement award letter and a XXXX for co borrower - advised XXXX was received, but they want a separate one for XXXX, the co borrower. On XXXX/XXXX/2015 all the above requested documents were faxed to the lender. On XXXX/XXXX/2015 a third party attempted to get an updated but US Bank stated that the authorization had expired and could not speak with them. By XXXX/XXXX/2015 a new authorization was provided and faxed to the lender. On XXXX/XXXX/2015 a call was made to US Bank by the authorized third party and XXXX stated that we needed to add tax ID on third party authorization and that both borrowers need to sign the power of attorney to discuss the file. She was questioned as to why and she did n't know. A supervisor was requested and then the call was transferred to a line that rang and rang with no voicemail or pickup. Later that day the Tax ID number was added to the power of attorney and re-faxed it to US Bank. In the meantime no document stating of missing documents were ever sent to the attorneys office or the client. It was n't until XXXX/XXXX/2015 that the authorized representative from attorney 's office was able to speak with the lender and they stated that they were missing an updated award letter. The most updated award letter dated XXXX/XXXX/2015 had been previously faxed to the lender MULTIPLE TIMES at this point. Again this document was faxed same day to the lender. On XXXX/XXXX/2015 a call was received by the authorized XXXX party that the file was closed on XXXX/XXXX/2015 and a new submission was required. This is absolutely ridiculous. The lender played games not requesting all the needed documents at one time, but when documents were requested they were received in a timely fashion. There is absolutely no reason that a resolution should not have been reached by this time, let alone CLOSING the review. This review was handled haphazardly in a fashion to promote the foreclosure of XXXX XXXX 's home, when he has been doing everything in his power to attempt to work it out with the lender.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act ACCOUNTS BELOW XXXX  XXXX XXXX/ XXXX XXXX XXXX account number : XXXX XXXX XXXX XXXX XXXX  / XXXX XXXX XXXX  XXXX XXXX XXXX  account number : XXXX XXXX. XXXX, XXXX account number : XXXX, ALL 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 Delete the accounts
Product: Checking or savings account

I received the amount of {$1800.00} through the social security due my XXXX approved. The deposit was direct to my account XXXX of Wells Fargo. This money is protected for law and they kept and reported my acreedor of credit card and took the money off from My account. I called Wells Fargo and they did not know that this money come from. They laugh me. My account is in XXXX. I have {$0.00} dollar and I do not have how to pay my expenses XXXX my phone number.
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. 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 A States i have the right to privacy. 15 U.S.C 1681 Section 604A Section 2 : It aslo 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 items of information, other than records of convictions of crimes which antedates the report by more that seven years .15 U.S.C.1681s2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has resonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

In my view, the absence of documentary evidence on compliance reporting standards and relevant consumer law is a cause for concern. It is of great concern to me that this omission has not been made. I'd like to ask you to rectify this erroneous and incorrect report as soon as possible. Failure to do so may lead to legal recourse due to a failure to comply with the necessary legal obligations in those areas. In order to avoid any future problems, it is important to understand the precise nature of documentation which must be addressed. In the future, a lack of accurate and complete information could lead to unnecessary difficulties. In order to mitigate any potential adverse effects, it is therefore essential that we address this issue with a sense of urgency. I have recently obtained copies of my personal consumer credit report ( s ) and have discovered questionable and/or inadequately verified data in my file at your company 's office ( s ), as reported on my reviewed files. I am concerned that this information may have been inadvertently or intentionally re-added to my credit report profile by your company 's office ( s ) following its earlier removal from reporting, without issuing the requisite 5- day notice to me as mandated by reporting regulations that you MUST comply with.

LIST OF ACCOUNTS BEING CHALLENGED ; ITEMS IN DISPUTE : XXXX - XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX {$10000.00} XXXX XXXX - XXXX {$7000.00} XXXX XXXX - XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX {$3800.00} XX/XX/2019 XXXX XXXX XXXX XXXX 15 U.S.C , 1681section 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. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, the consumer, in fact, have a right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ). My privacy is violated by the following companies : XXXX, XXXX, and Equifax. I have informed the consumer reporting agency XXXX  by mail of the specific accounts they are continuing to report in violation of 15 USC 1681 ( a ) ( 4 ).
Product: Debt collection

I am writing to dispute the validity of the debt you claim I owe, as outlined in your correspondence dated XX/XX/2023, XXXX. I received your email indicating that I owe {$76.00} by COLUMBIA DEBT RECOVERY LLC DBA GENESIS. I believe there has been a mistake, as I have no record or knowledge of such a debt. I am confident that this matter can be resolved amicably and appreciate your prompt attention to this dispute. I expect a timely and accurate response from your agency.
Product: Credit reporting or other personal consumer reports

I have reason to believe that I've been a victim of identity fraud originating from the dark web since XX/XX/2022. During that time, I frequently received text messages with links purporting to be from XXXX, which I now suspect were XXXX. It's possible my personal information was compromised and sold on the dark web. Over the past two years, I've observed a significant increase in unauthorized credit inquiries and received alerts related to activities on the dark web.
Product: Credit reporting or other personal consumer reports

I checked my credit report and its showing a WRITTE OFF account from XXXX XXXXXXXX XXXX that was opened XXXX, this account not only is reporting as a negative account but it also was sold to a company called Velocity Investments LLC. I never received a 1099C form to ve able to audit them and make sure they are in compliance. Not only are they committing tax fruad they are violating my rights according to FCRA 15 USC 1681 ( eb ) by reporting information that is not 100 percent accurate. I request that this account be removed immediately do to inaccuracies and harm to my consumer profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

Letters regarding inquiries found on my credit were submitted  XXXX  to  XXXX , and Equifax.  XXXX  refused to remove any of the inquiries and an second letter was send  XXXX  and another  XXXX . I never received a response from Equifax nor an update. A second letter was sent on  XXXX .