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

I trust this email finds you well. I am writing to follow up on my previous communications regarding the fraudulent items on my credit report. Despite our ongoing efforts and the assurances provided, it appears that the fraudulent items have not yet been removed. 

I kindly request that you escalate this matter and take all necessary steps to thoroughly investigate and remove these fraudulent items from my credit report. Transparent communication regarding the progress made and the actions being taken to address this issue would be greatly appreciated. 

I understand that resolving cases of fraud can be complex, but it is essential that we work together to resolve this matter promptly. Your cooperation and assistance in this regard are highly valued. With this, I am asking for your assistance to remove these fraud items in my credit file 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
Product: Mortgage

On XXXX spoke with the relationship manger at Bank of America modification department name XXXX and I was informed all the documents were received and the sale date would be put on hold. The number the documents faxed to at bank of America was XXXX. I contacted the attorney that was handling the foreclosure was told named XXXX at XXXX. The documents that was requested to complete the modification submitted was quit claim deed since wife was not living in the house any longer. That was approved on XXXX. I contacted Bank of America and was told on XXXX that per XXXX XXXX at Bank of America that they had the incorrect address and I have been contacting them every day and no response. Now I was told that they do n't know if the house is sold or if servicing rights have been transferred. I have not received any notices. I have been defrauded out of my house and I want answers. Spoke with XXXX today and she told me at the law office that XXXX did not contact them and the confirmation of the sale is XXXX XXXX and I will be their with my documents to show the judge that Bank of America only requested the Quit Claim deed and I have proof that on XXXX confirmation for XXXX XXXX previous CFPB case number XXXX and his number is XXXX extension XXXX and has not been in contact with me for three weeks now. I was told my property went to sale on XXXX the following day of receipt of the quit claim deed request and was told the sale date was post ponded. That was not true though. My consumer protection specialist is my witness to XXXX XXXX that has been trying to help me from loosing my home. I will be court on the XXXX XXXX. Please assist.
Product: Credit reporting or other personal consumer reports

There are XXXX accounts on my credit report that should not be there.
Product: Debt collection

XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX TODAYE DATEXXXX HUNTER WARFIELD XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious HUNTER WARFIELD XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting hard inquiries and an address that does not belong to me or I have ever been associated with. 

ONLY NAME EVER USED IS XXXX XXXX XXXX ONLY ADDRESS LIVED IN SINCE XXXX : XXXX XXXX XXXX # XXXX, XXXX XXXX, CA. XXXX THESE INQUIRIES ARE FRAUDULENT : XXXX  XXXX Inquired on XXXX XXXX, XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX
Product: Debt collection

On XX/XX/2023, I contact XXXX TransUnion and disputed the account XXXX XXXX XXXX XXXX XXXX, as the account was opened fraudulently, And misrepresentation. the account in question was paid in full directly to the original creditor at your service Therefore, Trans Union is reporting an incorrect account. 


This account was paid directly to the original creditor on XX/XX/XXXX. Please see attached receipt.
Product: Credit card

I respectfully ask that you give priority to this matter, conduct a thorough investigation into the situation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention and resolution of this matter are highly valued and appreciated.
Product: Mortgage

I inquired with Freedom Mortgage concerning who their Indenture Trustee ( Bank ) is but I have not received a response as of today. 
XX/XX/2023 Emailed customer care ( No Reply ) XX/XX/2023 Messaged on the website asking if XXXX XXXX XXXX XXXX was their Indenture Trustee, who is responsibility for managing the XXXX for Freedom Mortgage. ( No acceptable reply received ) XX/XX/2023 Asked for a POC for the XXXX XXXX XXXX ( Responded but no answer ) According paperwork filed on the SEC.gov, Freedom Mortgage owner has a Blind Trust that is utilized. I am simply asking who is their Indentured Trustee ( Bank ).

Freedom Mortgage 's fiduciary duty responsibilities which include but is not limited to : Duty of Disclosure : The company should provide clear and accurate information to mortgage holders regarding their loan terms, interest rates, fees, and other relevant details, enabling borrowers to make informed decisions. 
Duty to Avoid Misrepresentation : The company should not engage in deceptive or misleading practices when marketing or selling mortgage products.
Product: Mortgage

Received a letter from XXXX Mortgage XXXX XXXX regarding payments of property charges for insurance and property taxes. 
They stated they advanced funds of {$6300.00} to pay the property charges. 
However I had paid these from from my own account and had sent them documentation to verify my payments. 
Now they are requesting payments for the amount due or will begin foreeclosure proceedings
Product: Credit reporting, credit repair services, or other personal consumer reports

There was a collection that was put on my credit report without proper notification per the FDCPA. I sent this information to the credit bureaus, XX/XX/2020, to investigate, requiring proof of the letter that was sent. The Bureaus just updated the account that was reporting and never sent a letter stating what their findings were. They updated the account balance and remarks on the 20th and I never received any letters from them. We are now pass the 30 day mark and i have yet to receive anything. Not only is the collection agency violating my rights by reporting the a collection without sending me a dunning letter, the bureaus are violating my rights by not completing the investigation that I requested and sending me a letter. There was one credit bureau that DELETED the account because the collection agency didn't follow the law, and that was XXXX. I want the account deleted from my reports.
Product: Credit reporting or other personal consumer reports

The credit bureaus XXXX, TransUnion, and XXXX are reporting bankruptcies on my credit report, attributing the information to the XXXXXXXX XXXX XXXXXXXX. I have attached a letter from the XXXXXXXX XXXX XXXXXXXX verifying that they do not furnish information to credit bureaus or any credit monitoring service, nor do they verify or validate any information concerning bankruptcies. XXXX, XXXX and TransUnion is falsely reporting this information on my credit report and has not yet removed it. The XXXX XXXX XXXX XXXXXXXX does not have authority over credit reporting agencies and does not report to any of them. Bankruptcy petitions and case dockets are considered public records. The Fair Credit Reporting Act, specifically Section 605, governs credit reporting agencies. According to this law, credit reporting agencies are prohibited from reporting bankruptcy cases on an individual 's credit report. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to privacy this Bankruptcy shouldn't be on my credit report, you shared my personal Information without my consent. this is identity theft ; you are criminally and CIVILLY LIABLE.
Product: Credit card

I have an open credit account with Synchrony Bank who back many different types of credit card financing, e.g. XXXX financing for Appliances ; Care Credit for medical ; cosmetic and vetrinary care financing and XXXX XXXX Pay for car repairs which I have. My complaint is this : Business practices are barely legal to my way of thinking. When you visit their website, you are continuously steered in the direction of giving them all of your information, or they wo n't let you into your account ; even with the correct password. Once you 've passed that hurdle then you are steered toward letting them into your bank account to take out money for payments and other things, and are told in contract that if they deem it necessary they will reach into your bank account and take out what they feel is owed to them based on whatever debit card you used to pay the last bill. Also, it is almost impossible to find a phone number or any other contact information for these people. The only thing listed for dispute resolution is an address which could take you months to resolve anything and by that time they can hit you with all kinds of late fees etc., although I have only had XXXX to date. I have always paid my card off before the interest period comes due. These people seem to try every trick in the book, with timing and otherwise to make sure that you either ca n't pay on time and they can hit you with a late fee and other financing fees or something. Their business practices may not be illegal, but they are certainly not ethical. My complaint is the way their business practices are structured from gathering information to collecting debt. This company is clearly a legalized loan shark preying on desperate consumers. I will pay the late charge that they hit me with because of a timing error with my bank over XXXX of XXXX weekend and I will close my account and never do business with these people again. Furthermore, I think that they should be investigated and shut down.
Product: Credit reporting, credit repair services, or other personal consumer reports

In previous months, I requested the removal of inaccurate information. Due to your lack of response, or response which I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and update my records. Please delete the following items, which you have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to correct the items listed below : XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/2017 Reference # : XXXX, XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/2017 Reference # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been writing Portfolio Recovery Assoc., for over 2yrs regarding a CC from XXXX XXXX that is not mine. I have also written the 3 credit bureaus, the Dept of Justice and the Attorney General with, *Identity & Fraud reports, *Copies of my personal DL # & SS Card proving the information they have listed is not mine.

*And a letter from XXXX XXXX themselves stating the account was fraudulent.

Now, PRA has sent a letter stating the account info they purchased from XXXX XXXX has a different account number than the account number listed on the my letter from XXXX XXXX. They are stating that they have stopped all collection attempts while they do their own investigation but I am requesting that this information is removed immediately with the proof that I have.
Product: Credit card

Chase has been discriminating me in new credit line approvals and credit line increased because I am XXXX by falsely reporting a charge off that is not longer on my credit report and claiming it is information from a credit bureau. Forcing no coercing me to open bank accounts with them as a means of increasing or approving credit. This is unethical as this claimed delinquency or charge off is not on XXXX as claimed and the lender nd has been used as a tool to limit me as a consumer
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am a XXXX year old woman suffering from XXXX XXXX XXXX called me to collect a {$150.00} debt owed by my daughter-in-law. I immediately told XXXX that she has never lived with me. However, that did not stop the vicious calls. I became terrorized and so intensely upset that I suffered a XXXX XXXX.
Product: Checking or savings account

I have tried to stop TEXT messages from Citi SEVERAL times now but they keep texting me Alerts which I have clearly switched off in their online system. I also signed up for alerts on the credit card which DO NOT work. I do not want to receive balance info daily and their system keeps sending me TEXTS which is a violation of TCPA.
Product: Mortgage

Property : XXXX XXXX XXXX. XXXX XXXX, TX XXXX. 
Lender : New American Funding. 
Loan amount : {$230000.00}. 
Type : VA Loan I am a XXXX veteran, exempt from pay the VA funding fee ( {$3.00} XXXX ). 
New American funding provided me a misleading closing cost disclosure worksheet, with inaccurate fees. and they added the VA funding fee amount to the loan amount, and refused to remove it from the closing paperwork. 
I voiced my concerns to remove the fee, per VA regulations, but the officers who are processing the loan keep giving me the run around. and excuses but will not remove the fee from the closing disclosure. 
My closing date is approaching ( possibly XX/XX/XXXX ) but the officers are telling me that it will be removed, but yet providing the title company the erroneoNirtus closing cost disclosure. 
The title company ( XXXX XXXX XXXX ) is telling me that they can not remove the VA funding fee without instructions from the lender.
Product: Debt collection

In XX/XX/2017, I purchased one blazer and two different pants ( size XXXX and XXXX ) from XXXX XXXX. Within two weeks, I sent back size XXXX and canceled size XXXX. Then I purchased a smaller size XXXX. I also sent back the size XXXX for a size XXXX within the same time frame. When it came time for payment, I sent a check for {$75.00}, which covered the XXXX pants ( {$30.00} ) and the blazer ( advertised for {$41.00} ). On XX/XX/XXXX, I spoke with XXXX ( Confirmation # XXXX ) and called XXXX at XXXX XXXX/XXXX XXXX XXXX on XX/XX/2017, to make sure the previous charges were removed. They explained that I would be receiving a bill credit of {$24.00} for now and to give the process 60 days to work out the removal of other charges. I received the aforementioned credit but never was credited for the {$34.00} for the size XXXX pants. Since then, my bill has grown to {$300.00} in the last statement received. This balance is not correct, as I paid off everything the first time ( see check # XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX Account name : XXXX  Date of inquiry XXXX XX/XX/XXXX Account name : XXXX XXXX Date of inquiry : XX/XX/XXXX Account name : XXXX XXXX  Date of inquiry : XX/XX/XXXX Account name : XXXX XXXX Date of inquiry : XX/XX/XXXX Account name : XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX
Product: Checking or savings account

I received a check from a prospective employer as severance pay due to a lack of available work. I deposited the check electronically into my account on XX/XX/year>. However, on XX/XX/year>, my bank account was abruptly closed without any prior notice. 

I immediately contacted customer service and was told to wait XXXX hours for resolution. After following up two days later, I was informed that the bank had decided to terminate our relationship, effective immediately. 

This decision could not have come at a worse time. My regular payday was Friday, XX/XX/year>, and I am currently unable to access my paycheck or any of my funds due to all of my assets being frozen. 

Despite making multiple calls and complying with their request to have the check issuer verify the check, I was told that the verification was not accepted because the phone number used by the issuer was not recognized in their system. This feels like an arbitrary excuse, especially given that the issuer confirmed the legitimacy of the check. 

It is completely unacceptable for the bank to take such drastic action without providing a clear explanation or any timeline for resolution. This situation has put my life on hold and forced me into a financially unstable and extremely stressful position. I deserve transparency, access to my funds, and a fair resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 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 15 USC 1681 section 602a. States I have a right to privacy. 

15 USC 1681 section 604a. Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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 7 years.

15 USC 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, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX 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 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Consumer Loan

I co signed a car loan for my daughter after it was all said and done i was first on the loan. My daughter made payments Santander applied payment to the wrong account once that started my daughter got behind on her payments. Santander never once called me or sent me a letter to inform me that the payments were late and not made. With my name being first on the loan i would have thought the banking institution would have called me. When i found out the car was repo i called Santander to try and fix the problem. I could have got the car back for XXXX but, that was not the final fees once i went to pick up the car it was another {$1200.00} for fees towing, impound, cleaning, storing, gate fee etc. I was never told that by Santander. If Santander would have notified me I would have made the late/ missing payments ( XXXX ). There are bad reviews on this bank they are sneaky and not willing to be ethical in there business.