23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My property located at XXXX XXXX XXXX in XXXX, LA was catastrophically damaged by Hurricane Ida. My insurance company has assessed the damaged at {$96000.00}. The funds dispersed total {$88000.00} ( total damage less {$7700.00} in recoverable depreciation ). The loan balance is {$51000.00}. 

I was issued an insurance claim packet, which I successful filled out to completion. I have since been asked to provide additional estimates from my contractor, which is in excess of the requirements spelled out in the insurance packet. 

It is now 76 days since Hurricane Ida made landfall, and I have yet to receive any money for repairs on the property. 

Roundpoint continues to put up road blocks, find excuses, and delay issuing funds required to repair my property. 

Furthermore, Roundpoint is retaining funds that exceed the balance of the mortgage by {$39000.00}. 

I was told on XX/XX/21 that funds in the amount of $ XXXX have been dispersed, however, I have yet to receive them.
Product: Credit card

Please review the attached documents. I request the bureau to initiate an investigation into accounts inaccurately reporting me as late, even though I am consistently on time.
Product: Money transfer, virtual currency, or money service

I have done many transfers in the past and in teo occasions they sent the money to the wtong person without any disclosures. The money was bever returned.

They have also been taking out {$25.00} fee with no explanation spontaneously throughout the years without bring able to return it.

When i call they tell me sorry we do not know why this money is being taken out as you have a free account with no charges, but we can not return the money to you.
Product: Credit reporting, credit repair services, or other personal consumer reports

The reporting company did not inform me the consumer of the right to opt out of reporting private information to third party agencies directly violating 16 CFR 313.7 form of opt out notice to consumers ; opt out methods.

I am aware I have the right to privacy of my non public personal information according to 15 USC 6802 the sharing of this private information to a third party without consent is identified theft.

No direction on how to opt out of sharing was expressed to me the consumer. Wells Fargo is violating 15 USC 6802 ( b ) ( a ) ( A ) ( B ) ( C ) for failure to comply with these requirements. This notice is to please cease and desist all illegal activity which constitutes collection activity. This is also a notice of exercising my rights to prevent the processing of my personal date by Wells Fargo for the account opened on XX/XX/2021
Product: Credit reporting or other personal consumer reports

I am writing to dispute the XX/XX/XXXX listed on my credit report. I have a letter from the court confirming that this bankruptcy should not be reported. Additionally, an unauthorized third party is involved, making this situation even more problematic.
Product: Credit reporting or other personal consumer reports

I would like to inform the Credit Bureaus once again that I have been a victim of identity theft and am requesting the removal of the fraudulent items from my credit file. According to FCRA XXXX ( 15 U.S.C. 1681c-2 ), Credit Bureaus XXXX XXXX to remove any items listed as resulting from identity theft. Below is the list of items I need removed. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

I received a credit alert that a collection was placed in my credit report that I have no knowledge about. The collection agency or the medical provider never notified me about the medical bill of {$24.00}. 

I never received any notice regarding the medical bill. The collection agency said they got the collection in XX/XX/XXXX, but this is XX/XX/XXXX and they failed to notify me, allowing me the opportunity to dispute. I am asking that this collection agency remove the derogatory information from my credit report and follow the appropriate laws regarding consumer rights pertaining to medical debts. 

I have asked the physician office to send me the bill, because I never received any medical bills for {$24.00}, I surely would have satisfied this bill.
Product: Debt collection

This Company was told to cease and desist as a third party collector with no contract to enforce collection of a debt and do not have a bilateral or unilateral contract with the company who contracted them. Lawyers and Attorneys do not have a license to practice law as a BAR Card is only a members card and not licenses. Notice of dispute and a qualified written request has been sent to the company. A power of Attorney has revoked any previous power of attorney and no company has power of attorney for this Estate. Under 12 USC 83 banks can not credit any money from their stock and I believe the note was deposited was cashed and no credit, value of gold or silver has not been given by either company. A request for a Securitization Analysis Report by the Consumer Financial Protection Bureau is requested on this account. All responses are to be by Affidavit of Truth only as letters can be filled with lies. Proof of power of attorney is requested as well
Product: Credit reporting, credit repair services, or other personal consumer reports

Add statement from consumer to XXXX XXXX account. 

Dear CFPB, XXXX XXXX has consistently hounded and reported to the credit buraus with the intent to label me as a financial risk. 

The sad fact is that life happened to me. Unfortunately, in 2018 due to unemployment XXXX XXXX would not negotiate a payment plan. There was a balance of {$140.00} left before the bank would be required to refund me my {$1500.00} deposit on the secured card. 

In all common sense, why would I as a consumer deliberately throw away {$1500.00} of my own assets without any intention of recoupment.

The Federal Statutes are supposed to be in place to assist consumers and not to allow corporations to unduly take advantage. However, my case is just one of the many more situations out there in which corporations can run the roost, manipulate and fabricate records. 

So let this be an added document to my record when I apply to creditors in order to maintain and obtain needed resources, such as credit, housing, transportation etc. to care for myself and my aged parent. 

Despite a payment arrangement in place, upon arriving to make payments the account was closed. And this has been an ongoing dispute. XXXX XXXXs investigation in XXXX, claimed no voice recording or documentation was found in their database supporting that I attempted to pay the balance.. 
XXXX XXXX can continue to report up to their maximum seven ( 7 ) years seeing it brings them satisfaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

hi XXXXhas a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX. XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for XXXX days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have negative inquiries on my credit. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a XXXX step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXXdays XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an XXXX company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im homeless XXXX cant provide to my XXXX year old XXXX and i started doing my research and XXXX XXXX XXXX i was violated as a consumer ( 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 given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Product: Credit reporting or other personal consumer reports

After i found out that i had fraudulent accounts on my credit report, i contacted the bureaus. They did not remove the accounts
Product: Credit reporting or other personal consumer reports

I am not liable for this debt with Portfolio Recovery Associates. I do not have a contract with Portfolio Recovery Associates, and they have not provided me with the original contract as I requested because one does not exist.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, XXXX XXXX XXXX ran a hard inquiry on my personal credit report with Transunion. Prior to applying for a business card, I called and was told that a inquiry will not be ran on my personal credit only on my business 's EIN
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX, and I have had an ongoing issue with Experian since XX/XX/XXXX. Experian has refused to remove incorrect information from my credit file with the exception of fraudulent inquiries. I have disputed this same information via fax, certified mail, and online and to my avail nothing has been done. There is currently an account that is duplicated. I just want my credit file to report accurately as I 'm trying to get things in order to purchase a home for my family and I. Attached you will find copies of my disputes and below is a list of the things that are currently incorrect. Duplicate Account XXXX XXXX XXXX Acct # XXXX Unverified Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries XXXX XXXX XX/XX/XXXX,XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Florida Statute of Limitations Facts The Florida statute of limitations on debt collection for written contracts and promissory notes is five years. Oral contracts and open-ended accounts ( including credit cards ) Florida statute of limitations on debt collection is four years. 

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX, XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. " 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' the financial institution and the Consumer reporting agencies XXXX, XXXX, XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' AUTOTRAKK LLC Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having serious trouble with a company called Equifax. I have repeatedly asked for my credit report. However, they have not provided it as they are lawfully required to do. They have not extended any service or any consideration whatsoever. I am FURIOUS that Equifax are not taking their obligations to protect my identity seriously. 

To provide some background, I am a US citizen that currently resides full time in the XXXX XXXX and part time in the United States. I file a US tax return every year from my residence here in the XXXX. I received a fraud warning document from the IRS in XXXX stating that someone used my social security number to obtain employment in the United States. In that letter, The IRS document stated that they STRONGLY recommend that I obtain my US credit report from the 3 major US credit agencies including Equifax as a matter or urgency. While my full time residence is currently in the XXXX, it is of PARAMOUNT importance that I protect the security of my US identity. 

I 'M EXTREMELY ANGRY. Can you please explain to me why a professional organization like the IRS is directing me towards a company like Equifax? I see on the news that they 've recently exposed the private details of millions of Americans. I 'm very concerned because I recently sent them my social security card, driver 's license and other private information to try obtain my credit report. Not only have they not fulfilled their obligation to provide my credit report, but now they 've potentially exposed my private information and made me EVEN MORE VULNERABLE TO IDENTITY THEFT. Why are you ALLOWING this to happen???

Please make this company take their professional and legal responsibilities seriously. I have sent them all the information they have requested, but they have done NOTHING to help secure my identity. I 'm WORRIED SICK. Please I pray to XXXX help me ...
Product: Credit reporting, credit repair services, or other personal consumer reports

We bought our house in XX/XX/2018 loan from XXXXXXXX XXXX, We never got any mortgage payment information. On XX/XX/XXXX they emailed us saying the mortgage interest statement was not delivered. they asked as the right address, so we though ok from now we might get all the mails, They still did not let us know the loan was sold to another company, we did not gt any good bye letter from XXXX. 

On XX/XX/XXXX night we get a CREDIT alert for mortgage being added to our credit and late payment. From which we come to know the loan has been sold to XXXX, we call XXXX the very next day and pay the whole amount which was pending.

Our credit is down by 280 points because of this. 

We have this complaint against XXXX XXXX for 1> not letting us know the company they sold our loan 2> after learning they had the wrong address they did not let XXXX know about this. 
3> affected our credit score and not taking any action to let us know or clear this.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 XXXX XXXX XXXX XXXX hard inquiry this account was opened fraudulently this is not my account please remove
Product: Debt collection

Around XX/XX/2022 I was contacted by The Bureaus, Inc. about a debt that they were trying to collect on. I was given until XXXX, XXXX, 2022 to respond. I responded on XX/XX/2022 ( certified, return receipt ) stating that I do not know or recognize your company and I believe that I do not owe this debt. As of XXXX XXXX The Bureaus , Inc. has failed to respond and is reporting on major credit bureaus. This should be removed based on the fact that they did not validate or verify debt owed to them.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681b PERMISSIBLE PURPOSE and Aggravated Identity Theft under 18 U.S.C 1028 A. 

XXXX****I sent a letter to XXXX XXXX TRANSUNION XXXX and XXXX XXXX reinvestigate these accounts that are reporting illegal transactions late payments. TRANSUNION refused to investigate. Please see attachment TRANSUNION LETTER I am aware that transactions may be applied to the consumer account as per TRANSUNION LETTER. This applies ONLY if the consumer gives WRITTEN consent to do so. Remove these accounts below immediately. 

******15 U.S.C 1681 A ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does NOT include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report *****Accounts in dispute pasted 30 days : XXXX  XXXX XXXX ( XXXX, TRANSUNION ) XXXX XXXX XXXX ( XXXX, TRANSUNION ) XXXXXXXX XXXX XXXX XXXXXXXX ( XXXX, TRANSUNION ) XXXX XXXX XXXX XXXX, TRANSUNION ) XXXX XXXX XXXX XXXX, TRANSUNION ) XXXX XXXX XXXX XXXX ) XXXX XXXX ( COLLECTIONS ACCOUNT ) ALL reporting ******XXXX XXXX XXXX XXXX XXXX has performed Aggravated identity Theft according to 18 U.S.C 1028 A. To obtain information from my report without my knowledge or written consent to furnish an account on my behalf. This is another violation of 15 U.S.C 1681 N. Remove this account immediately. 

*****18 U.S.C 1028a ( 1 ) In general. Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. 

*****15 U.S.C 1681 b ( 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 instructions of the consumer to whom it relates. 
*****USPS TRACKING NUMBERS : XXXXXXXX XXXX XXXXXXXX ( XX/XX/XXXX  ) XXXX TRANSUNION XXXX ( XX/XX/XXXX  ) XXXX XXXX XXXX ( XX/XX/XXXX XXXX
Product: Mortgage

From : XXXX XXXX Address : XXXX XXXX XXXX XXXX, TX XXXX Phone Number : XXXX To : Consumer Financial Protection Bureau Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone Number : XXXX To Whom it may concern, Im writing to formally file a complaint against Sofi Bank National Association XXXX XXXX regarding the services provided in relation to my mortgage loan. I would like to bring to your attention the following issues : We originally went under contract on a new home purchase on XX/XX/2024 and was set to close on XX/XX/2024. The loan was locked for XXXX  days. The VA appraiser went out to complete the appraisal on XX/XX/2024. I paid for the appraisal on XX/XX/XXXX and was advise the order for the appraiser was submitted. I got a bit worry because XXXX  days passed without any word on the appraisal report. On XX/XX/XXXX I express my concern on how long it was taking to get an appraiser out there. I was told you can not rush a VA appraiser. I ask if they could find another appraiser to complete it because our rate lock was close to expiring. I contacted Sofi again on XX/XX/XXXX because we were XXXX  days away from the closing date. I was told the appraiser wife was in the hospital and they cant rush the appraisal. The appraiser finally went out on XX/XX/2024 and we were set to close on XX/XX/2024. At that point I expressed my concern again, about the lock extension. I was called that morning of the XX/XX/2024 advising that we would not close today. It was pushed until XX/XX/2024 and we still didnt close then. We finally closed on XX/XX/2024. The lock had to be extended, I requested for Sofi to cover the extension fee {$650.00} due to their delay. At closing they advise they could not cover it and I had no choice but to accept it and close the loan.

These issues have caused me significant inconvenience and distress. Despite my attempts to resolve them through the loan officer, loan processor and management. I have not received satisfactory solution nor proper resolution. As a customer, I expect Sofi to uphold the highest standards of professionalism and service quality. However, the experiences outlined above have fallen short of these expectations. Please acknowledge receipt of this complaint at your earliest convenience. You may reach me at XXXX or XXXX to discuss this matter further. Thank you for your attention to this important issue.
Product: Debt collection

Glenn Associates representative contacted me and asked if i was aware that XXXX XXXX had entered a judgement against me i said no and that it was impossible because it was an old debt, she continued on to tell me that they have twenty years to do so. She stated that i should look on public records with the account numbers. I have not been served with any papers and their tactics are bogus.