23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I've made a written request to have Experian ( XX/XX/XXXX ) validate false information on my credit report that they prepare. I received a letter saying my letter was suspicious and they can't verify my identity or could be a 3rd party. I sent in my DL, Lease, electric bill, and XXXX ( photo copies of all these documents ). Next, I called on Wednesday XX/XX/XXXX between XXXX XXXXXXXX XXXX est. The representative told me that they are not processing mailed complaints and I have to either do it by phone or email. I explained that was not true. I read the FTC which recommends making complaints in writing, because you can not verify what is said on the phone and I was told by an attorney that if you do it online, you have to agree to there user agreement and could limit legal actions. I asked why my letter was suspicious can't be verified. He stated they do not respond to mailed letters and send this response to all people. I asked to speak to a supervisor. He put me on hold for over 20 min, then said it would be a little longer. I waited for another 5 mins, when he returned he said all supervisors were busy and asked me for my phone number and a supervisor would respond within 24 hrs. I waited until Friday and never received a call so I called again. I spoke with a supervisor who could not confirm or deny this process. I explained I used a letter format directly from the FTC website, and wanted to know WHY they don't believe this letter was sent from me. She said once they sent an email to me the letter is discarded, so she couldn't tell me. I've spent my personal money to send this letter and demand to know what Else I could send to verify my information. She couldn't tell me, so I asked ; If I send the same information as listed on the Experian website I should expect a different result. That doesn't make since and I don't have money to waste if they just decide they don't want to investigate my case. They are violating my FCRA rights, by refussing to remove this information. It specifically states they need to complete an investigation within 30-45 days.
Product: Debt collection

Recently while conducting a monitor of my credit report I discovered that Keybridge has furnished some items that have unverified information. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. I am aware that there is a debt from Keybridge but I am unaware of the amount due and your bill does not include a breakdown of any fees.

Additionally, I am allowed under the HIPAA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to Keybridge to release my medical information to a third party. I am aware that HIPPAA does allow for limited information about me but anything more that is to only be revealed with the patients authorization, therefore my request is two fold and as follows, Validation of Debt, and HIPAA authorization.

1.Please provide breakdown of fees including any collection costs and medical charges 2.Provide a copy of my signature with the provider of service to release my medical information to you.

3.Cease any credit bureau reporting until debt has been validated by me.

4.Please send this information to my address listed above and accept this formal complaint as my formal debt validation request, which I am allowed under the FDCPA.

Please note that falsification of the information you received from any medical provider can be percieved as a HIPAA compliance violation as well as a violation of the FDCPA because you will be deceiving me after my written request of debt validation. I request full documentation of what you received from the provider of service in connection with this alleged debt.

Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency.
Product: Checking or savings account

Deposited {$500.00} on XX/XX/XXXX from my XXXX  checking account through ACH debit Deposited a {$30000.00} check on XX/XX/XXXX at Capital One ATM branch at XXXXXXXX XXXX XXXXXXXX, XXXX  branch Current Online checking deposit shows the amount of {$30000.00} balance including interest paid by the bank On or about XX/XX/XXXX, I tried to call the number the bank gave online which is XXXX because the bank says that there is a problem with my deposit. I requested to speak with a bank representative on that number but the automated call only instructed me to leave my number and they are going to call back. The bank never called back and I repeatedly called them with the same result. Alarmed, I went to the bank ATM branch at XXXXXXXX XXXX XXXX XXXX to directly speak with their branch representative in person. The bank rep was able to finally get hold of the banks rep and the bank rep told me that they have decided to close out my checking account and that they will send me a check. It's been almost a month now and I have not received the check yet from my closeout account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In early XXXX I registered for a XXXX XXXX XXXX XXXX card In XX/XX/XXXX, I try and use this card ( as I had a habit of doing ) and it didn't work. I initially believed this to be my card being at its limit, but after investigating it, I realize that the card had been deleted, with no notice to me. Eventually, I am able to get XXXX to resolve the issue. 
Since that date, the card has not shown up on my XXXX and Equifax credit reports. 
On XX/XX/XXXX, I did the following : I called XXXX about it, they told me it wasn't their fault and to call XXXX. 
I called XXXX, they told me it wasn't their fault, XXXX must not be reporting it, call XXXX. 
I called XXXX, told them XXXX said to call them, and they escalate me to one of their credit specialists. They tell me that the reason my card was deleted was because a credit agency told them it was fraud ( this is the first I was told the reason the card was deleted, despite me asking XXXX back when I got them to re-open it, at that time they told me they couldn't say why. ) and that the card was marked as deleted at XXXX and Equifax, and that it was permanent unless I could get them to do a " Re-insertion '', they told me to call XXXX again. 
I called XXXX, telling them what XXXX told me, and they told me it wasn't their fault, XXXX must not be reporting it, call XXXX. I stressed to them that it's not XXXX 's fault, and asked to speak to a supervisor, but they refused and told me to call XXXX. 
I called XXXX, told them what XXXX said ( which is, not much ), and they said there's nothing they can do, it has to be solved by XXXX. 

At this point, there's nothing to do but file a CFPB complaint, these companies will only ping-pong me endlessly.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I completed a legitimate transaction and received payment in the amount of XXXX XXXX, but the following day, Wise XXXX my account and prevented me from accessing my funds. I was directed to make an appeal when I contacted customer care. I did and provided my identity details, but after providing all the necessary information, they replied that my account would remain closed and I would not be getting a refund.
Product: Credit card or prepaid card

I made a payment though BillPay on XX/XX/2020 of {$300.00} to this card that is or was my account Issued by by Citi Bank, N.A. 
I contacted them on XXXX 2020 they could not find my account with the last 4 digits of account, Name, social security #, tellphone, address. At first I thought it was because I have not used the card in many years. 
Then I called the next week armed with my full account # XX/XX/2020 XXXX toXXXX XXXX, XXXX , and XXXX they told my account dose not exist. Therefore there will be no record of me calling and they can not find the money I sent. So they will not be sending any money back to my Bill Pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S.C 1 681 section 602 A. States I have the right to privacy.

15 U.S.C 1 681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Delete this account immediately, unless you want to be held {$1.00} 000 per violation 15 U.S.C 1 681 section 602 A. States I have the right to privacy.

15 U.S.C 1 681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Delete this account immediately, unless you want to be held {$1.00} 000 per violation 15 U.S.C 1 681 section 602 A. States I have the right to privacy.

15 U.S.C 1 681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXXXXXX XXXX XXXX Past due : {$24000.00} Late XXXX XXXX XXXXXXXX XXXX Other Loan Past due : {$490.00} XXXXXXXX XXXX XXXX XXXX Other Loan Past due : {$3100.00} XXXXXXXX XXXX XXXXXXXX XXXX  Other Loan Past due : {$760.00} XXXXXXXX XXXX XXXX  XXXXXXXX XXXX XXXX Past due XXXX {$11000.00} ChargeOff
Product: Mortgage

We are a military family and back in XXXX due to back to back XXXX we hit a hard time with finances. We lived in this property for over XXXX years and originally purchased the property for {$180000.00} and now you are stating we only paid {$5400.00} in XXXX years. This is when Chase Home Finance was marketing Home Loan Modifications to all soldiers to help them get back on track. We were living at XXXX XXXX XXXX XXXX XXXX  XXXX and we figured this would help lower the mortgage payments during this time which it did. We was behind about {$6200.00} and the payment went from {$1100.00} to {$1800.00}. Thus we had requested a loan modification to lower the payment and bring us current. There was no money that we received during the modification. We did not read the fine print of them taking {$45000.00} ( which I could not figure out how they came up with this number since we were only behind {$6200.00} ) to be added to the back of the loan and no payments we currently make would be made on this amount during our monthly payments being made. We did not discover this hidden part until we had to sale the house walking away with nothing except for the house being paid off. This is when Chase Home Finance shared this part with us when the pay-off amount was requested. They also explained the {$45000.00} was made up by charging us 115 % of the {$6200.00} we were behind on the loan. I know for a fact we are not the only military family they have done this too. We were at our lowest and I do feel they also did this base on XXXX XXXX XXXX XXXX XXXX  all this time we thought we owed {$120000.00} on our home when in fact we owed {$170000.00}. We are filing this complaint for this money back to be returned back to us from Chase Home Finance.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/23 I tried to create an online account so as to be able to place a credit freeze on my information. I received a message that I was unable to complete this and that a verification code would be sent by regular mail. 
On XX/XX/23 I received the verification code by mail, then went to the web site and entered my email address and the code. I received a response that my account was set up. 
However, when I tried to the enter the account with my email address and previously set up password, it failed. Presumably I had the incorrect password. I then tried to use account recovery, but it has also failed and I received a message to call Equifax. 

On XX/XX/23 I called Equifax and spoke with XXXX. She reset the password after a lengthy complex identification process involving taking photos of my idea and myself, etc. Then she told me not to log in for XXXX minutes. But then she told me to log in while talking to her anyway and the log in failed Then she told me to wait XXXX hours, which I did. The login with the new password failed again, as it also did XXXX hours later. 

My only recourse seems to be to call Equifax back and do another password reset, but from reading similar experiences online it seems very likely that the same thing will simply happen again. I'm amazed that people who have such a poor online account system are allowed to handle my sensitive information.
Product: Mortgage

Wells Fargo Home Loans recently reviewed my mortgage loan for a possible loan modification. I got the results back a few days later on XXXX/XXXX/16. I realized that not all the household income, was included in their review. My authorized third party XXXX XXXX XXXX called my CRM XXXX XXXX XXXX at Wellsfargo, who gave some information in reference to situation. Upon listening to the explanation given, the CRM suggested that, '' I should immediately appeal. '' As of today, XXXX/XXXX/16 my XXXX XXXX is still in an active Appeal Review process, however my CRM never followed up with me, ever since the process started. We called in frequently as there were concerns of a scheduled foreclosure Sale date of XXXX/XXXX/16. Wellsfargo reps often informed me that a request for postponement was filed in Court on XXXX/XXXX/16, which turned to be true. However, Wellsfargo failed to supervise the work of the Attorneys that they contracted. On XXXX/XXXX/16 ( auction day ) the court clerk notified me that the Judge did not even see the motion to cancel sale/postpone sale. He added that, " no one seemed to follow thru this. I called Wellsfargo home retention dept, who gave me a phone number to contact their attorney. By XXXX the property was foreclosed on, and reverted to Wellsfargo home loans. Wellsfago third party attorneys then followed thru after the fact, and on XXXX/XXXX/16 filed another motion to cancel/postpone sale after the fact. My primary residence is in the hands of wellsfargo illegally. On XXXX/XXXX/16 wellsfargo appointed a new CRM XXXX XXXX XXXX XXXX to my loan file. I still do n't know what they are doing about my situation. In the past, I had notified Wellsfargo that My home is not worth $ XXXX as the market for older homes in my area is a lot less. I received several property valuations from Wellsfargo in that price range, yet in reality my home is a little underwater. I have been declined for a loan modification in the past for having too much equity, which is not true at all. What a shame!!! I tried selling my home for many months, did not even get an offer. I was informed of the starting auction bid of $ XXXX, yet no one still bought my property at the auction. I realized that it is more cost effective for me to keep my residence of many years even though I defaulted due to unforeseen circumstance. Today, I can afford to pay back towards what I owe.
Product: Debt collection

I recieved a call from an associate who identified himself only as XXXX on XXXX/XXXX/XX/XX/XXXX, who did not state what collection company he was calling from. XXXX told me there is an unsettled debt for $ 3000.00+ for an apartment eviction from XX/XX/XXXX. I requested documentation to be sent, and was told no because it would cost him {$2.00} or {$3.00} to send and that I dont need proof of something I owe. After telling XXXX I did not have availale funds and that I felt the call may have been fraudulent the call was ended. On that following Friday, XXXX called back and while still not advising who he is employed by, he informed me he sent my account through for garnishments because I would not make a payment. After several calls, I was then transferred to work with an XXXX named XXXX. XXXX told me he would stop the garnishment order if I agreed to pay him a minimum of 12 % of my take home pay. He would not negotiate, and did not ask what my monthly expenses are. I was sent an agreement form to return to XXXX by XXXX/XXXX/XX/XX/XXXX with a monthly payment of {$250.00}, and if i dont, he threated a lawsuit against me and garnishments. I found the company to be US Collections West in XXXX, Az and find the collection tactics to be forceful, misleading, and predatory. I have been mistreated and disrespected by this agency, and being forced to pay an amount which will cause a hardship.
Product: Mortgage

I have been trying to refinance a mortgage loan with this company and I keep getting referred to a different loan processor every month to take care of processing the loan. The mortgage loan is currently in forbearance and NewRez LLC is continuing to collect interest on the loan, but they are prolonging my refinancing process. I have been trying to get the loan refinanced over six months up to this date.
Product: Credit reporting or other personal consumer reports

This is being reported inaccurately, this information is unverifiable.
Product: Credit reporting, credit repair services, or other personal consumer reports

In violation of the Fair Credit Reporting Act, XXXX continues to report inaccurate information about a consolidated federal student loan. The three credit bureaus have been notified via the dispute process multiple times ; yet, the reports continue to be inaccurate. 

Updated information regarding the dispute filed against XXXX was received from one of the three credit bureaus on XX/XX/2020. 

It contains wrong information still. What is XXXX consequence? What is the consequence for the three credit bureaus ( TransUnion, XXXX, and XXXX )? XXXX and the three credit bureaus have been notified multiple times of the errors, yet, they collectively continue to report inaccurate information. Who is more culpable for these errors? The three credit bureaus whose sole business is to report accurate information or XXXX, the business reporting the bogus information to the credit bureaus? 

Attached are screenshots from one of credit bureaus ( the other two are reporting similar information ) ; two screenshots from XX/XX/2020, one from XX/XX/2020, and one from XX/XX/2020. The errors are significant. The differences are evident. It should not be this difficult to get XXXX and the three credit bureaus to report accurate information ; it is the law.
Product: Debt collection

I have been a victim of identity, theft and fraudulent accounts were opening my name, using my identity, Social Security number driver license, obtain money from different account and was reported to XXXX XXXX, Equifax and experience
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several dispute letters and debt validation letters about these alleged Charge off Accounts. The only response is that the debt was verified, however i asked that they validate the debt pursuant 15 USC 1682g. Transunion has furnished my personal information on their platform without written consent from me, that is a violation of my Consumer Rights, code 15 U.S Code 1692b. ( 2 ) This negative information has resulted in a negative impact on my financials and credit worthiness. As a consumer and pursuant to 15 USC 1681n ( a ) 1b I request {$1000.00} per negative item on my consumer report that you don't have written permission to have. Pursuant to 1681a ( 2 ) a, ( 2 ) b Transunion is in violation of the following alleged items listed on my consumer report : See Attachment
Product: Mortgage

I contacted Loan Depot in XXXX XXXX, CA about a refinance on XX/XX/2021. They collected all of my information and stopped returning my calls or responding to inquiries. I made attempts to call and email them on several occasions, including XX/XX/2021, XX/XX/2021, XX/XX/2021, and XX/XX/2021. They are not responding. However, I received a call from my insurance company that they changed themselves to be the mortgagee on my policy. I don't have a mortgage with them. We never closed.
Product: Checking or savings account

Credits were issued to my Capital one Account ending in XXXX today, XX/XX/XXXX. These credits are provisional, related to dispute case ID XXXX. The credits total an amount of XXXX which includes adjusted interest. These credits are for two purchases made on XXXX, shipped in XX/XX/XXXX which never arrived and is past 60 day time frame to file claim with USPS. Merchant refuses to do anything. Due to status of my account, which is closed or pending closure, I am unable to make any type of withdrawal. The dept handling account works off a voicemail and does not return calls, I know this from past experience. I understand the credits are provisional, the dispute is still on going, there are two additional merchants under this claim, XXXX and XXXX ... .These purchases are fraud, someone hacked into my XXXX account or obtained password, made a purchase on it. The item from XXXX is something I have no information about, I was referred to bank by both merchants to file claim for fraud. XXXX will not cooperate, their tracking info shows items delivered/left in a parcel locker which I do not have one at my address. Once this claim is finalized, I need funds sent to my XXXX account which was or is linked up as an external account or a check mailed to me.
Product: Debt collection

On or about XX/XX/2023 my car XXXX infinity was taken by a company called XXXX XXXX to a tow yard located in the city of XXXX XXXX, Texas I was advised that Flagship credit had requested the car be collected. 
I do not have an account with XXXX credit I do not have a debt with XXXX credit. 

I have reached out to Flagship credit I spoke with XXXX, XXXX and XXXX whom are all collection managers XXXX being the head of the department XXXX which I left a voice mail I have provided the XXXX and written statement on XX/XX/XXXX, XXXX, XXXX and again on the XXXX advising I am the owner of the car and have no debt with Flagship. Flagship has continued to force this account on me. 
Flagship is holding my property and will not closed this account.
Product: Credit reporting or other personal consumer reports

XXXX  card on XX/XX/year> appears on my credit File with XXXX in which i did not apply or ever had. 

XXXX has done fraud and cause me damage in my score with a hard Inquiries as shown on my credit file. 

Proof of who applied How they applied Hard Inquirie by XXXX with out my consent On credit file - REASON : UNSPECIFIED state what why or applied for or use of the credit transaction for credit
Product: Credit card or prepaid card

My XXXX debit card was stolen off my couch while Was in my bathroom. When I couldn't find it I called in for a new card never recieved it. So Bank of America did emergency XXXX XXXX. The second replacement ordered I still had yet to recieve. By XXXX I called in yet again to find that charges adding up to {$2000.00} from XXXX. I disputed these charges and waited XXXX days they had reimbursed me for XXXX charge of {$34.00} but when I asked about the rest was told there were no other disputes. Which is inaccurate because the {$34.00} was apart of the charges between XXXX but I disputed them all again anyways. They got denied and now when I call I never get through it get hung up on.
Product: Vehicle loan or lease

I Paid off a car loan in XX/XX/XXXX and never received official lien release. In XX/XX/XXXX I requested an official lien release document so I can get my car title, trade the car in for a new car. I was told it takes 5-7 business days and no expedited option available. Following week I follow up and was told it takes 7-10 business days and still no expedite option available. Now at risk of losing new car deal on the table with a car dealer. 
Following week I follow up and was told they can email me a copy of what the mailed me. They email a copy of unsigned lien release with no notarization or signatures. I was told to go to the motor vehicle administration and show what they emailed and get a new title. When going to the MVA I was then denied because of improper documentation. When calling back to Citizens, I was told they emailed what was sent and do not have a copy of a signed lien release. They admitted they were unsure why one was never issued, not signed when requested and now the upcoming car deal I wanted is gone.