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

CFPB Experian has violated my consumer rights by furnishing inaccurate and unverified information on my credit report XXXX XXXX XXXX is identity theft DELETE ( EXPERIAN ) XXXX XXXX XXXX was NEVER LATE in XXXX  DELETE late payment ( EXPERIAN ) ( EXPERIAN ) FRAUD INQUIRIES DELETE XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX ) XXXX XXXX XXXX XXXX DELETE INQUIRY over XXXX XXXX XXXX ( XXXX ) INQUIRIES ONLY XXXX  not fraud over XXXX yrs DELETE XXXX XXXX XXXX please delete old addresses that not on my government ID XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I WAS NEVER GIVEN THE OPURTUNITY TO OPT-OUT OF HAVING MY INFORMATION SHARED WITH A THRID PARTY AGENCY. THEREFORE, MY INFORMATION SHOULD NEVER HAVE BEEN SHARED. I AM REQUESTING PROOF THAT I WAS GIVEN THE OPPURTUNITY TO OPT-OUT OF HAVING MY INFORMATION SHARED. THIS LAW IS CLEARY DEFINED BELOW : ACCOUNT IN QUESTION : XXXX XXXX XXXX 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, THE LAW CLEARLY STATES : ( b ) OPT OUT ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) Such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) The consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information NOT BE disclosed to such third party ; and ( C ) The consumer is explained how the consumer can exercise that nondisclosure option. 

A. XXXX AUTO DID NOT disclose to me the consumer that the information reported would be disclosed to the third party the consumer reporting agencies. 

B. XXXX AUTO DID NOT give me an opportunity to direct such information not be disclosed. 

C. XXXX AUTO DID NOT give me, the consumer, an explanation of how I could exercise the non-disclosure option. 

The law basically states if ALL XXXX of these disclosures were not provided to me that this is a direct violation of the law and I have the right to exercise OPTING OUT. 

ALL these XXXX disclosures were NOT MET, therefore, I am demanding to OPT OUT of having my information reported and demanding the reporting information to be UPDATE TO PAID AS AGREED on my TransUnion and XXXX XXXX report OR I will seek to take legal action against your agency for willfully violating the law after I've clearly explained to you how you've violated me. MULTIPLE VIOLATIONS of 15 USC 1681nXXXX willful non-compliance is well in play here, {$1000.00} per instance of implied damages and much more for actual damages as clearly outlined within the title.
Product: Student loan

I have XXXX complaints. I would like both addressed as the company has refused to address one of the complaints, which I have registered with you on two occasions. The other complaint is a new one. 
1. XXXX/AES refuses to send monthly statements for the interest. I want to pay the interest so it does n't continue to accrue. It is currently over {$3000.00} on a {$6000.00} loan. Usurious. 
2. We just received notice that the loan is being submitted to a collections company.The loan is in forebearance.
Product: Credit reporting or other personal consumer reports

I sent a letter off on XX/XX/2023. I have my tracking number. To remove personal information that. I do not want on my credit report. According to the fair credit reporting act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is supposed to share my information with third party people.

These are clear violation of my federally protected consumer rights.
Product: Student loan

I added my student loans to my bankruptcy and they were not allowed to be written off. I had to repay them, Now I am told to that I need to file a complaint against Navient for what I was forced to pay back in my student loans.
Product: Bank account or service

USAA SAVINGS BANK, charged off an account of mine, when I contacted i spoke with XXXX ext XXXX and she clarified an error and the bank paid the charge off amount of {$1.00}. to to satisfy my account, but the bank never updated with the credit bureau to remove the derogatory notations on the account, all of the late payment history and the term charge-off still is attached to, my account, which was not caused by me but by an error the bank made.
Product: Money transfers

Finances wired to bank account of XXXX XXXX XXXX Comerica Account. This occurred between XXXX XXXX XXXX XXXX, 2015. The finances stolen were wired by attorney XXXX XXXX a representative for XXXX XXXX XXXX XXXX XXXX, Texas. 

Funds may have been intercepted by an Attorney from XXXX or XXXX XXXX XXXX for a young adult XXXX " XXXX XXXX ". XXXX XXXX is possibly claiming custody over my welfare through fictitious a power of attorney generated by XXXX or XXXX XXXX. I believe these acts have been committed for XXXX XXXX XXXX. who is managing an Probate Estate/Trust for my family which I am beneficiary of. 
The bank has not personally contacted me regarding the disappearance of these finances and has also denied knowledge of this matter. I believe it was an inside job committed by a banker who knows my social and was monitoring my account activity. 
Could you please review this matter promptly because my life is now threatened by XXXX members and XXXX XXXX connected with XXXX XXXX associating me with drugs lords within their rank and file. Controlled Substances are secretly controlled here in the states by members of their Agency. XXXX XXXX and XXXX XXXX are both XXXX. 
Their agency is claiming I am affiliated with XXXX XXXX through the device the XXXX XXXX which resulted in their effort to settle the claim out of court. The finances were wired to me because my social environment is littered with XXXX XXXX XXXX now surrounding me via a XXXX XXXX XXXX. 



XXXX XXXX XXXX
Product: Mortgage

At exactly XXXX XXXX time on XX/XX/2023 I called the loss mitigation department of Cross Country mortgage to receive an update on my forbearance request. The gentleman that answered seemed to be working from home with a poor phone connection, I provided my information and he was demeaning, rude and told me I should have paid my mortgage, I asked to speak to a supervisor and he talked over me rudely and caused high-anxiety in front of my daughter as we are already going through a stressful time. I later called back and spoke with another another Crosscountry representative that said the previous agent did not code my account so he would have to escalate to find out who took the call. I also shared my concerns with Crosscountry rep initials XXXX, and XXXX to have them share this concern with leadership, my blood pressure is at XXXX from this terrible experience.
Product: Mortgage

On XX/XX/XXXX, Freedom Mortgage paid {$1800.00} to cover my XXXX XXXX tax bill. The Escrow Assessment performed by Freedom Mortgage is based on a tax rate of {$6700.00}. This led to an incorrect monthly mortgage payment calculation that increased my monthly payment by roughly {$600.00}. I reached out to Freedom Mortgage after doing research into the issue, and explained to them the situation. I was referred to their tax department, which was a third-party vendor. The tax team was able to find the discrepancy and correct it on their end on Monday, XX/XX/XXXX. I was told by the Freedom Mortgage representative that it would take roughly 24 hours to update in the system and that a new escrow assessment would be performed once that happened. I was told to call back near the end of the week ( Thursday, XX/XX/XXXX or Friday, XX/XX/XXXX ). When I called on XX/XX/XXXX, there was no new escrow assessment and the Freedom Mortgage representative told me that there wouldn't be one completed until at least XX/XX/XXXX. Furthermore, the representative told me that the request for a new assessment had not been input until XX/XX/XXXX, days after I was told it would be done following the 24 hours delay. Freedom Mortgage refuses to expedite my new assessment, and the representative XXXX XXXX, ID # XXXX ) told me that I would still have an escrow shortage. However, my 1098 tax form from Freedom Mortgage shows that I should have had an escrow surplus in the amount of {$510.00}. The company is showing no signs that they are taking this matter seriously, nor do they have my confidence that they are correctly handling my escrow account.
Product: Credit reporting

I received a notice from TransUnion and XXXX credit reporting companies that XXXX was reporting incorrect information to my credit file. Soon as I found out, I contacted both credit reporting companies and XXXX to provide more information about the alleged debt. I have not received a proper response from XXXX and I have not received any documents or evidence from the credit reporting companies about the alleged debt. I have been a victim of identity theft and have submitted several police reports and identity theft reports to XXXX and TransUnion as proof.
Product: Mortgage

On XX/XX/XXXX, I entered into a Loan modification with Wells Fargo, it was for 3 months no missed payments to re-do loan and lower payment. In XX/XX/XXXX they ( Wells Fargo ) started the process over and In paid through XX/XX/XXXX. The loan Modification I received is not the terms we agreed to. They extended my loan to 50 more years the payment stayed the same and after 11 years of paying the montage Ive only paid {$22000.00} to total balance? 

During my dispute dated XX/XX/XXXX, certified mail on XX/XX/XXXX wells Fargo dinged my credit 27 points for 60 days late. ( I am not 60 days late ) They and XXXX have been working together to keep my public records inaccurate. They have defrauded me by reporting most of XX/XX/XXXX incorrectly. 

Please see attached for letter I sent them. I requested a WRITTEN REQUEST, COMPLAINT, DISPUTE OF DEBT & VALIDATION OF DEBT LETTER, TILA REQUEST This letter is a qualified written request in compliance with and under the Real Estate Settlement Procedures Act, 12 U.S.C. Section 2605 ( e ), 15 U.S.C. 1692 ET SEQ and Regulation X at 24 C.F.R. 3500, and The Gramm Leach Bliley Act. 

I am asking for a proof of this debt is valid, according to the laws. I can not believe the current loan is at {$220000.00} The responded to me with a 60 day late and a loan pay off total.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I reached out to the company on several occasions to remove this from my account along with my Identity Theft Report, Driver License and Social. I notice the fraudulent activity and contacted the bureaus immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been disputing the validity of this account for a while. LVNV/Resurgent sent the account to another collection agency XXXX & XXXX XXXX XXXX. I sent the response back to have XXXX XXXX XXXX validate the account, however Lvnv/resurgent replies instead. I also received correspondence from the original creditor and realized the information provided never matched with lvnv/resurgent!
Product: Money transfer, virtual currency, or money service

I made a wire transfer to coinbase.com. I was going to purchase some cryptocurrency. The day after it was purchased and placed in my bitcoin account. There was an unauthorized transaction and the cryptocurrency was sent somewhere without my permission. It was {$10000.00}. I dont know where that money went, and I did not authorize it. I believe my account was hacked and someone transferred my funds possibly into a crypto wallet. I would like that bank transfer to be reimbursed. This was done on XX/XX/XXXX. The transaction was a XXXX bank transfer from my personal account.
Product: Mortgage

Wells Fargo 's cross-selling practices were also a culture in the mortgage bank and their predatory lending practice is resulting in foreclose proceedings on my home in New Jersey. 
During the modification request process, Wells Fargo reassigned my loan to XXXX XXXX who started foreclosure proceedings last year. After I sent documentation to Wells Fargo showing that they had extended XXXX loans to me instead of the XXXX loans I thought I had over the past 12 years, they had suspended the foreclosure proceedings and approved a short sale without my requesting one. 
These XXXX mortgages and lines of credit ( LOCs ) amounting to approximately {$4.00} XXXX were extended to me between XXXX of XXXX and XXXX of XXXX when my annual salary was in the low $ XXXX and my credit scores were in the low XXXX. As a result of the crash in the housing market and deaths in my family, I have had extreme financial difficulties and hardship in repaying these loans. I tried on numerous occasions to get permanent modifications but was only approved for temporary ones. After numerous denials, I was forced to short sell my properties and I am now left with my primary home which is under water. I owe over {$300000.00} more than what my home is worth, as Wells Fargo falsely appraised my home for more than what it was worth to provide the line of credit. 
All my loans were interest -only and as my primary home loan and line of credit approached the 10 year mark where it was due to reset to a principal and interest loan that I could not afford, I tried several times to get a permanent modification or forgiveness of the line of credit but Wells Fargo was not willing to work with me and reassigned the loan to XXXX XXXX to start foreclosure proceedings. 
After sending my letter to the Executive office in XXXX with the details of the XXXX loans, Wells Fargo has been sending monthly letters stating that they are conducting research on the predatory lending practices. Every month I get a letter that they expected to complete their research by a certain date but they keep extending the date. I think that this is a stalling tactic so that they can foreclose on my home. 
Even though they are still conducting research, they restarted the foreclosure proceedings because I did not get an offer on the short sale by XXXX XXXX. 
With more knowledge and experience, it 's now clear to me that these many loans were extended to me, so that my Wells Fargo mortgage broker could gain more commissions based on the incentive structure created to profit the bank. This is predatory lending and I would like this to be investigated. Attached is the spreadsheet with the details of the XXXX loans.
Product: Credit card or prepaid card

My wife and I share a MasterCard credit card account with CitiGroup ( $ XXXX limit ). My wife and I are each Benefactor Life Members with the XXXX XXXX XXXX and we vote on their board each year. We are sick and tired of Banks such as yours using their enormous marketing power to discriminate against customers based on lawful firearm-related business activities. Stop it or we will close our account with CitiCard. PERIOD! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VT ( XXXX ) XXXX
Product: Credit card

In early XX/XX/XXXX, I canceled an order of bandages for my husband from XXXX for XXXX because he passed away. I paid off the Synchrony Bank/Amazon credit card for the XXXX bandages and closed the account. I pay off all my credit cards monthly. XXXX sent me a condolence letter immediately. When I checked my credit report at the end of XXXX the Synchrony Bank account was showed as paid off and closed. At the end of XX/XX/XXXX, XXXX sent a box with a few boxes of bandages, not the {$720.00} worth of my original order. My family and I called XXXX 14 times and each time XXXX said, " We will call you back in two days ''. Of course, they never did. All we wanted to do was return the package. In XXXX XXXX finally said that they were rescinding the order and that they credited us. At the end of XXXX Synchrony Bank/Amazon reopened my account without my knowledge or permission and the statement said I had a balance made on XX/XX/XXXX of {$750.00}. The statement did not say what was bought or from where. Synchrony Bank refused to speak to me informing me that my access to information is limited and sent me a letter that I found threatening. I did send them a letter in return with a copy of my bank statement showing that the statement they sent me in XXXX had been paid in full. I have not heard from them, but my credit report shows that the account is open and is in dispute. How can they close an account stating that it was paid in full and never any late payments and reopen an account and put charges on it three months after it was closed? I tried to get onto Synchrony Bank 's website, where I had paid my bill, and could not access the site. I also tried to get onto XXXXXXXX XXXX  website and I could not access this online site. When I called the number on the websites I was told by both companies that I do not have an account. I never received a statement from Synchrony Bank in XXXX, XXXX, XXXX, or XXXX. I was surprised when they sent me a statement in XXXX for something purchased in XXXX on an account that had been paid and closed. Even if it was not paid in full they should not been able to add a purchase on a closed account. Not only is Synchrony Bank perpetrating fraud against me, but is also making changes to my credit report. If Synchrony Bank refuses to communicate with me and can close and open credit card accounts in my name charging me for items I never ordered or received and can not afford to pay for what is my recourse?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have to file a complaint with XXXX, Experian and XXXX. These are my own words and I am not utilizing a credit reporting agency. I am just fully aware of my rights as a consumer and because I have been a victim of identity theft, as I have called and spoken to many reps at Experian ... ..and I have paid for your credit monitoring service, and I have received dark web alerts saying my info was shared from Experian, and I also had it disputed through your fraud department, and I have disputed it myself, you removed it twice Experian to add it back, without notification, even though I have multiple alerts. There isn't an unauthorized person, I, XXXX XXXX have documented and submitted my complaint after numerous of attempts to work with Experian. I know my rights as a consumer and I under that as requested proof to that you validated the debt and I have received nothing. It shows nothing with my signature or proof of this account and I have called placed numerous alerts on my credit profiles. I have explained that there has been fraud on my accounts over and over. I have had fraudulent accounts removed only to have the accounts added back. According to the FCRA, I was to should have been notified, there hasn't been a validation of debit even without numerous disputes asking for verification. I have received nothing. I called and advised of the difficulties this has caused. I have had the same collections removed and added back without proper notification. I am asking that the accounts be removed. I have also enclosed proof of the 3 collections, one collection is a medical bill, this violates HIPPA as there are different laws that state medical information can't be shared, and this is direct violation as it listed the bill as XXXX XXXX, without proof this belonged to me. Next, their is a service listed for XXXX XXXX, under XXXX XXXX, this has been removed twice only to be added back, without notification of attempts to place the debt back on my credit reports, this is direct violation, once it has been removed, there has to communication or writing before this can be placed back, this hasn't been done. I am asking that this be removed once more. I have reached out to each bureau and asked that this be validated and nothing. That is another violation. Just stating updated doesn't validate, there has to be proof. All 3 agencies use their 30 days to wait only to return validate without proof or actual description other than " agency validate '' This alone would require that the debt be removed. Lastly, according to the FCRA whoever this debt belong to once the original creditor dismissed this debt, it's unfair practice to place this one my credit report, as this hasn't been proven it belongs to me. The collection agencies should have notified me, the law states it must notify me within 30 days before being placed back on again this was not done. The resolution I am seeking is to remove the collection as each agency has violated my consumer fair credit rights. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Transunion had done nothing to correct my Credit Report and eliminate the Fraudulent Information totally from my File. I have been sending countless letters appealing to Transunion to verify the disputed items and remove them if unable to prove that the Items are mine. In fact, I have sent them my FTC complaint report and my Police Report which I filed on my local Police Department just to prove that I have been a victim of Identity Theft and the items I am disputing do not relate to any transaction that I have made or authorized. Neither did I receive any possession of goods, money, services, nor benefits from the Theft of my Identity. I have read that the Credit Bureaus are bound to comply with the FCRA regulation section 605b but despite all my efforts to inform Transunion about the theft of my Identity and that the items were never mine, they never cared nor paid any attention to my Disputes. They became negligent of the FCRA law and continued reporting this information on my Credit File without Proper Verification nor Investigation. I came to a conclusion that the Credit Bureaus are not afraid to break the Federal law thus they chose to be lazy and neglected my appeals. Once again, I am urging Transunion to remove the following items completely from my Credit File with or without proper verification since the time given to the Credit Bureaus to investigate was already over. I need the following Items removed now! 

XXXX XXXX  XXXX Date Opened XX/XX/2018 XXXX {$0.00}