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

There are incorrect addresses listed on my credit report. I have never lived at these addresses or they may belong to a family member : XXXX XXXX XXXX, XXXX, IL XXXX, XXXXXXXX XXXX XXXX, XXXX XXXX, XXXX, IL XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX, XXXX XXXX XXXX, XXXX, IL XXXX XXXX XXXX XXXX, XXXX, IL XXXX, XXXX XXXX XXXX, XXXX XXXX, IL XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, IL XXXX, XXXX XXXX XXXX XXXX, XXXX, IL XXXX, XXXX XXXX XXXX, XXXX, IL XXXX, XXXX XXXX XXXX XXXX, XXXX, IL XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, IL XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, IL XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IL XXXX, XXXX XXXX XXXX XXXX IL XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, IL XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, IL XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, IL XXXX, XXXX XXXX XXXX, XXXX IL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN ARE WILLFULLY & RECKLESSLY REPORTING FALSE & INCORRECT INFORMATION ON MY CREDIT REPORT AFTER BEING NOTIFIED OF THE REPORTING ERROR & FAILING TO PROPERLY INVESTIGATE OR CORRECT THE ERROR. THIS INFORMATION THAT EXPERIAN IS REPORTING ON MY CREDIT REPORT IS INACCURATE, UNREASONABLE, UNVERIFIABLE, UNTIMELY AND OR NON-COMPLIANCE WITH THE FCRA RULES AND REGULATIONS. EXPERIAN ALSO FAIL TO PROVIDE ME COPIES OF THE REQUESTED DOCUMENTS THAT WERE USED TO VERIFY THESE INACCURATE ACCOUNT ( S ) THATS REQUIRED UNDER FCRA SECTION 15 U.S.C. 1681G ; THEREFORE, THEY SHOULD HAVE IMMEDIATELY DELETED THE ITEMS IN QUESTIONED ACCORDING TO FCRA 611 ( A ) ( 5 ) ( A ) ( I ). MORE SO, EXPERIAN DELIBERATELY LIED IN THEIR RESPONSE ABOUT A MONTH AGO THAT THEY DELETED THE INCORRECT MAILING ADDRESSES AND NAMES FROM MY REPORT, BUT THEY DID NOT.
Product: Credit reporting or other personal consumer reports

XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 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 ) under 15 USCS 1666b ( a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose ) Upon receiving a dispute credit bureaus are required to conduct a reasonable investigation Under 15 U.S.C.1681i ( A ) ( 1 ) ( a ) I request information on investigation was told they dont have any
Product: Credit card

I was booking a flight and an ad came up for {$200.00} off my flight if I applied for a Southwest credit card. So I applied, but upon checkout, the {$200.00} wasn't deducted. So I contacted Southwest before I completed my ticket purchase to ask why. I was told I would see the {$200.00} credit when I got my first statement, it was not immediately deducted from my purchase. That was completely unclear in the ad. However, when I got the first statement, there was a yearly fee charge but no {$200.00} credit. So I called Southwest and they said I had to have used the credit card to purchase my flight in order to get the {$200.00} credit. That was also completely unclear information in the ad and was different from what I had initially been told. Furthermore, I was told that I would have had to have used the credit card to purchase a ticket within 3 months of getting the credit card in order to receive the {$200.00} credit. That was completely unclear on the ad as well. I've been doing things like this for a long time so I always read the fine print, and this was absolutely unclear and intentionally deceptive advertising on Southwest 's part!
Product: Credit reporting, credit repair services, or other personal consumer reports

This acct needs to be VALIDATED not a verification but VALIDATE the acct with a Certified Copy of TRUE BILL not a statement and the Original Documents with my Wet Seal Signature on it send me all proof request or REMOVE acct. Spoke to a XXXX on XX/XX/2018 who refused to honor my request to have this account VALIDATED telling me I had to contact the company first then he said they cant VALIDATED this acct. they have to dispute it 1st when every time you dispute it takes 30 days so this acct has to stay on my credit for over 60 days that's XXXX when that is called an verification and that is not what I told them to do its called VALIDATED THE ACCT. not a verification its a difference then I request to speak with his Supv. which his supv. refused to get on the line and XXXX comes back with this script is stopped him and said I will be reporting this to the ( Cfpb ) snice you and your supv. Refused to do your job this is my credit you can't tell me what to do about my credit and the Accts. That's on them they need to be VALIDATED this is my right by they law that I have a right to ask that any acct. On my credit file be VALIDATED not a verification so I don't wish to have this account to just be disputed I DEMAND THEY ACCT TO BE VALIDATED ONLY not an dispute or an verification my new address is XXXX XXXX XXXX XXXX  XXXX XXXX XXXX California XXXX and i called in and dpoke to a XXXX who was a supv. Who told me and verified that my address was updated and I was just told it wasn't updates I did record the call and I told them it was recorded NOBODY DOES THEY JOB THEY ONLY LIE UPDATE MY ADDRESS PULL UP THE RECORDED CALL I WAS TOLD MY ADDRESS WAS UPDATE IT STARTED FROM ANOTHER SMART MOUTHED SUPV. NAMED XXXX  THESE PEOPLE ARE ALL LIARS PEOPLE LIE NUMBERS DON'T all mail sent to the XXXX XXXX address will be returned. UCC 1-308 WITHOUT PREJUDICE
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX Collection BUREAU OF THE HUDSON VALLEY added a derogatory mark on my credit report per XXXX XXXX. Upon further research this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also there was NO written form of communication, contract, or written signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it's mine. According to the FCRA, CLLCN BUREAU has violated my rights as a consumer and I am requesting legal action to remove this account immediately. I did not receive any proof of this alleged item, specifically the contract, note or other instrument bearing my signature.
Product: Mortgage

Under the Consumer Financial Protection Bu reau ( CFPB ) new rules , dual-tracking when the servicer moves forward with foreclosure while simultaneously working with the borrower to avoid foreclosure is restricted. Servicers can not start a foreclosure proceeding if a borrower has already submitted a complete application for a loan modification or other alternative to foreclosure, and that application is still pending review. To give borrowers reasonable time to submit such applications, servicers can not make the first notice or filing required for the foreclosure process until a mortgage loan account is more than 120 days delinquent.    Fair Review P rocess : The servicer must consider all foreclosure alternatives available from the mortgage owners or investors those with decision-making power over the loan to help the borrower retain the home. These options can range from deferment of payments to loan modifications. And servicers can no longer steer borrowers to those options that are most financially favorable for the servicer In our case not matter have many times we have submitted the complete application and all requested documents to the Re- Entry, we are being den ied, by Wells Fargo Mortgage claiming  due to the property negative Net Present Value ( NPV ) evaluation and that we did not provide all the required documents.. When we request a full appraisal and which documents are missing in writing, we are b eing told by Wells Fargo Mortgage employees, We are not in Loan Modification Review  therefore we dont qualify for an appraisal to determine the correct NPV. This is a process the bank has implemented to make sure they can navigate around Dual Tracking Laws to deny a home owner from ever being consider for  a Loan Modifica tion and to unlawfully foreclose on home owners.   More disturbing, the re-entry never respond to us in writing nor even return numerous telephone calls to them.   No Foreclosure Sale Until All Other Alternatives Considered : Meanwhile Servicers must consider and respond to a borrowers application for a loan modification if it arrives at least 37 days before a scheduled foreclosure sale. If the servicer offers an alternative to foreclosure, they must give the borrower time to accept the offer before moving for foreclosure judgment or conducting a foreclosure sale. Servicers can not foreclose on a property if the borrower and servicer have come to a loss mitigation agreement, unless the borrower fails to perform under that agreement.
Product: Debt collection

Repeated phone calls : XX/XX/2019 : XXXX, XX/XX/2019 : XXXX, XX/XX/2019 : XXXX, XX/XX/2019 : XXXX, XX/XX/2019 : XXXX, XX/XX/2019 : XXXX, XX/XX/2019 : XXXX, XX/XX/2019 : XXXX ; XX/XX/2019 : XXXX, many more Ally Financial repeatedly calling to collect a debt that is not mine. They refuse to provide an explanation as to how they got my phone number. I never had nor currently have an an account with them. The actual account holder did not provide my number as a reference. They are likely using a listing company ( i.e. white pages ) to find any person that may or may not be associated with the account holder and repeatedly calling and harassing to get information for a debt collection.
Product: Mortgage

I am a military vet. I've owned my home for 5 years and use Freedom Mortgage. I recently decided to refinance, lowering my intrest and term length. Freedom Mortgage contacted me to start this process. 

The initial processing went relatively smooth. People and loan officers contacted me and set everything up. 

I was told a mobile notary would need to come to my home to finalize the loan documents. We set up a date and time for that to happen. We selected the first date available and it was a 3 week wait. 

3 weeks later, on the date and set, noone shows up. We called the mobile notary company and they said they are waiting paperwork from Freedom Mortgage. 

Here is where my problem started. I've called Freedom Mortgage countless times. I've explained my issues to multiple people and multiple supervisors. Noone is helping me or contactimg me back. 

Everytime I talk to the refinance department they tell me a Supervisor will call me back. They do not and have yet to call me back. Everytime I ask to talk to a Supervisor, I am sent back into the regular queue and have to start the process over. 

The actions and treatment of Freedom Mortgage 's customer service and refinance department is unethecial at best. The employees lack of knowledge and inability to take action when helping a customer is astounding. Everytime I talk to them I wait on hold for at least 60+ min and make no progress no matter who I speak to. 

They should be ashamed and embarrassed of their customer service.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was with XXXX XXXX. XXXX XXXX removed because it wasnt my account than the collection agency reported it on XX/XX/XXXX please remove off credit as soon as possible
Product: Debt collection

I want to pay my bills, but just can't pay now. I'm planning on making sure they get paid, have notified all my creditors involved and asked that they note that XXXX XXXX XXXX is helping me with these negotiations. I have sent emails to customer service documenting this as well as stated it to representatives when called. Also, I sent written and email notification that the creditors are not authorized to contact me at my place of business since I am not allowed to accept personal calls, and this could jeopardize my job. Comenity Capital Bank is the lender for several of my credit cards- XXXX and XXXX. I have a cell phone which this creditors calls numerous times a day. 

On XX/XX/2023, at XXXX AM, I notified this Comenity of the payment situation and that it was not authorized to contact me at my place of business. On XX/XX/2023, at approximately XXXXXXXX XXXX Comenity Capital Bank 's representative - XXXX  - called me at work. I told XXXX that they were not authorized to contact me at work and sent another email documenting the call and again notifying them that they were not to contact me at work and that another violation of this request would result in a complaint. This notification was given verbally and in the email. This morning, XX/XX/2023, at approximately XXXX, a gentleman called my work number, asked for me, and said he was with Comenity Capital Bank. I told him, again, he was not authorized to call my place of business, the company had been notified on numerous occasions, and I was filing a complaint. I documented this with another email as well. 

This is a flagrant violation of the Fair Debt Collection Practices Act.
Product: Mortgage

Started the process of refinancing with quicken loans on XX/XX/2020, and my process was directed to XXXX XXXX, at first he was very kind and helpful, towards the end of the month he started treating me like if I was stupid and like if he was doing me the favor of doing the process with me, the estimated closing cost to refinance I was given was close to {$12000.00} for 2.75 interest, at first I was ok with it but knew someone that was doing the same process with someone else and he was getting charged half of that, I decided to get another estimate and now I'm paying {$6000.00} closing costs with 2.5 interest, so obviously i decided to cancel the process with Quicken Loans, contacted XXXX 's supervisor XXXX XXXX to cancel the process, and he said it was ok, already had done the appraisal with them so my new lender contacted XXXX to get those documents but he refused to, apparently he was mad and just did not want to transfer that document so I have to pay for appraisal again which I rather do since Quicken Loans, XXXX XXXX and XXXX XXXX was trying to rip me off. I recomend every one to take the time and look at your options.
Product: Debt collection

To whom it may concern, Validation of Debt and HIPAA authorization - Please provide a breakdown of fees including any and all collection costs and medical charges- Please provide a copy of my signature with the provider of service to release my medical information to you - Immediately cease any credit bureau reporting until debt has been validated by me In your response, you have failed to provide such information within 30 business days. According to the FDCPA and HIPAA Collection Laws the requested information above is not a matter of your discretion to provide, you MUST comply with my request. In failing to do so you are in violation of my rights. I am demanding a cease of the following account ( s ) 1. Delete account from credit report 2. I request copy of Purchase Agreement if cant be provided delete from credit report y law 142 Please send confirmation once complete. Best Regards,
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally dispute information on my credit report in accordance with the provisions outlined in 15 U.S. Code 1681i. I have carefully reviewed my credit report, and I have identified the following inaccuracies : XXXX. { XXXX XXXX XXXX ( Account number XXXX } balance XXXX Semi Annual data reported to courts on XX/XX/XXXX = Claim amount $ XXXX Balance Owed {$9300.00} Final Payment and Case History reported from the Trustees on XX/XX/XXXX = Balance Due XXXX XXXX XXXX payment in XX/XX/XXXX to XXXX XXXX ( XXXX XXXX XXXX XXXX The payment from XXXX XXXX XXXXXXXX greater than the Balance due listed in the Final Payment Case History effective XX/XX/XXXX. 
XXXX XXXX was paid more than the balance due, therefore there shouldn't be balance listed on my credit report. 



I do not have a contract with this company and I don't owe the debt, there shouldnt be a monthly payment for a paid account, No of months ( terms ) should not be listed, the last active, payment status, and last payment date and balance are inaccurate. Please delete immediately. 
I am requesting a thorough investigation into these items, as they are not reported accurately. I have included supporting documents that substantiate my claim ( if applicable ), such as [ The semi report from XXXX from Bankruptcy showing balance owed, the report for dismissal in XX/XX/XXXX showing remaining balance, and letter from XXXX XXXX reflecting payment after dismissal. This vehicle was totaled the overpayment was made, greater than the balance provided to the courts. ] I am actually owed overpayment from XXXX XXXX. 
Please ensure that these documents are taken into account during your investigation. According to the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), you are required to complete your investigation within 30 days of receiving this letter. I kindly request that you provide a written response, including the results of your investigation and any actions taken, within this timeframe. 

This letter serves as my 3rd formal dispute and its crucial to maintain a record of your communication and update my consumer report to prevent small claims action against your company.
Product: Credit reporting or other personal consumer reports

To whom this may concern, my name is XXXX XXXX, this statement is being generated on my behalf. Per the Fair Credit Reporting Act, accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S. Code 1681-B : the permissible purpose of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN instruction of the consumer to whom it relates. I NEVER GAVE this consumer my INSTRUCTIONS OR WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT! I am demanding removal of this account. The following accounts were not authorized by me and I request removal 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, credit repair services, or other personal consumer reports

I settled a XXXX account in full in XX/XX/XXXX. It is now XX/XX/XXXX and the 3 credit reporting agencies, XXXX, XXXX   and Experian are reporting this account as delinquent/Chargoff when it sbould reflect as settled in full or not reflect at all, or completely deleted from my credit file.
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer and any other incoming deposits. XXXX XXXX has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX, XXXX SEC # XXXX DOB XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Due to a GOV+ data breach, XXXX XXXX data breach, and identity theft the information on my credit report is inaccuratenames and addresses. All three credit reporting agencies continue to report incorrect information. I am also fighting identity theft showing on my report with a New York address that I have never resided in this state. 15 USC 1681i ( 5 ), 15 USC 1681 e ( b ), 15 USC 1681 S-2, 15 USC 1681 i ( 7 ), 15 USC 1692 c, 15 USC1681 B,15USC 1681 ( c ) ( c ), 15 USC 1692 J. I have written letters to all the credit bureaus and nothing has been done. I would love a resolution to these issues. The XXXX XXXX is for an account for another person that used my information and a police report will be filed in the week to come.
Product: Checking or savings account

Citibank closed my account when I went into the branch to make a wire transfer. There is about {$160000.00} in the account. They refuse to disburse a cashiers check to me now at the branch for the funds that were in the account. They are now saying I have to wait for a check to come in the mail, with an unknown time frame for when the check may arrive.

I just sold my car this morning for {$19000.00}, and I just deposited this check at the Citibank branch before trying to make the wire transfer. I now have zero access to the money that I just sold the car for, and zero access to any funds that were in my checking account, for an indefinite amount of time. The banker, XXXX XXXX, has repeatedly stated that there is nothing the branch can do, that the back office has made the decision and it is final.
Product: Debt collection

This is from a medical transaction the account says there is no balance and the account was paid by my medical insurance. I have contacted them to verify what kind of debt is owed and have disputed with the credit bureaus. They have not responded to me with any verification and validation of this perceived debt. 

I sent off a letter they never responded to XX/XX/2021, but they received XX/XX/2021. I have included documents with that.
Product: Credit reporting or other personal consumer reports

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Inquiries XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Accounts XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Personal Information : Name : XXXX XXXX Previous Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I tried to wire XXXX into a Bank of America account and they both failed due to the recipient sending incorrect information, one being the account number was correct but the sender omitted their full name and left out a name. BoA decided to take XXXX dollar fees for each returned transfer, and in total have taken XXXX dollars in fees. These are fees I did not agree to or was told about. All BoA had to do was return to money, and actually it never even left my account.