23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I was not properly served and no longer live at the address that the courthouse has for at least the last 7 years. My ex mother in law called me about a month ago stating that she had received from the courthouse with my name on it and if I wanted her to open it. Otherwise I would have never known. I tried calling the law office of peroutka and peroutka to figure out what was going on. The lady that answered the phone was very rude and unempathetic. I asked if there was any way to stop this wage garnishment that had gotten approved 8 years later and told me that the only way to stop it was to pay the amount of almost {$2000.00}. In the last 8 years I have not heard or received anything from them at all and she was also going to send me a copy of the judgement to my current address which I still never received nor a copy of the wage garnishment. I am a single, divorced mom that has bills and expenses to pay for a teenage daughter and is going to definitely cause a financial hardship. I also currently have 2 credit cards currently with XXXX  XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair Credit Reporting Act, XXXXXXXX XXXX XXXXXXXX # XXXX, XXXX XXXX # 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 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Mortgage

XXXX XXXX, indicated how he and his underwriting software used estimated monthly mortgage payment to determine my DTI. I provided his with CFPB 's article on how to calculate DTI and explained that the total debt divided by income is how you come up with that ratio. Which if he considered the information on my report, it would have been 36 %. I asked him to reconsider his calculations. I also informed him with documentation that the debt belonging to XXXX XXXX XXXX reported on my credit report was an error because that account been was paid in full. I asked him to regenerate a preapproval without that debt and he insisted that he stood on the calculations he used and was not changing anything.
Product: Checking or savings account

I wrote a check in the amount of $XXXX to Florida Department of Transportation (FDOT). It cost $XXXX to send the check certified to ensure that they received it within the 10 day time limit required. FDOT later sent me a letter informing me that the check had been dishonored and imposed an additional $XXXX fee on top of the original amount, in addition to the $XXXX of certified postage that it costs to send another check to them.A citibank representative stated that the checking "feature" had not been activated on my checking account and that the feature would be activated after writing the first check. I asked if he understood that they were essentially forcing me to bounce a check in order to activate the checking feature.
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : 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: Credit reporting or other personal consumer reports

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

Here are the following inquiries XXXX XXXX XXXX  XX/XX/23, has violated my rights. 

XXXX  XX/XX/23 has violated my rights. 

XXXX XXXX XXXX has violated my rights. I was never late. 

5 U.S.C 1681 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 make 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 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: Mortgage

We were preapproval for a home loan XX/XX/2020 up until XX/XX/2020 ( which is the day of closing ) on the loan by XXXX XXXX with Supreme Lending. We find out this is misleading/not at all true because a baby/new realtor XXXX XXXX ( whom hasn't even sold her first home but yet your helping me. How? I do everything for you by researchingthe home negotiatingthe price and things to stay in the home, and etc ) told XXXX that i am at XXXX XXXX XXXX. I have phone recordings with her and him that you clearlt hear me say I am currently at XXXX XXXX and my XXXX XXXX is sitting on a judges desk at VA to be signed. My VA representative help me achieve this because I am currently underrated at XXXX XXXX. They neither reach out to him nor myself through this whole process until XX/XX/2020 by text message to say we are not approved now. 

We have paid for everything upfront and now they do not want to reimburse my family and I for misleading information. My landlord and wife landlord both gave us 11 days ( XXXX XXXX to XXXX, 2020 ) free rent as our gift since we were buying a home. We are currenlty homeless and living in hotel which is becoming a bill all in itself. We even purchase XXXX cash of new furniture for the whole house, paid maide services to come deep clean, and etc. 

I was so called not approved because of a XXXX XXXX XXXX letter, when in fact, my wife makes XXXX a month after taxes that was not accounted for nor on the loan because her score was too low. They running us around saying its the governments fault due to the covid-19 and VA judge not signing the paper. This is incompetent lending  and business at it's finest from both parties listed above. You both took me to battle but left me with no weapon on the battlefield. This how you supposedly help veterans whom has put it on the line for you day in/out. Trust me, I don't need anybody sympathy because I made this choice for my family and I. I was looking for them to do the same for my family. Yet, in the end, they have left us out in the cold and could care less about our issue nor reimbursement. Neither one has contacted me over the phone simply text messages or email. They afraid to face the lies and reality. 
I am writing to inform ours about these two cats along with the company 's they represent because this speaks volume about how these companies operate.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX. This has been my legal name since XX/XX/2016. 

Since XX/XX/2016 I have provided information to each credit agency multiple times to update my name. They refuse to do so. 

All of my accounts are in my correct legal name, XXXX XXXX XXXX. None of the credit agencies will remove my old name, XXXX XXXX. 

Because of this, absolutely no credit is working. I have had devestating medical costs and can not get a loan because of this inaccuracy that they REFUSE to fix. 

Until this is fixed, I will be denied again and again because no one can " confirm my identity '' and they " suspect fraudulent activity '' I am in tears trying to fix this. I absolutely need help. 

I have contacted XXXX 3 times this past month to fix this error and they refuse to do so. If anything, they have solidified that I somehow have 2 legal names. This is incorrect. 

In XX/XX/2016 I had my drivers license legally changed, my social security information legally changed, and have submitted Notarized Court Orders with my updated name. 

I have no recourse and no options left. I will never be able to access credit because of these three agencies and their refusal to correct my credit report.
Product: Credit reporting or other personal consumer reports

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX - Late Payment XXXX XXXX XXXX XXXXXXXX - Charge Off XXXX XXXXXXXX - Charge-Off XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

on XXXX I open an account with Capital One Bank for 11 months at 4.5 percent APY. As instructed they would first have to verify my other financial institution by submitting two small transactions. This was not done by them until XXXX. Now they will not honor the terms of the account. Since interest rates have changed. I followed all instructions as instructed by them. In addition they are unable or unwilling to supply me with a corporate phone number.
Product: Debt collection

Since XX/XX/XXXX, this phone number that I inherited from my deceased mother in XX/XX/XXXX has been the subject of various collection agencies always seeking someone named " XXXX XXXX '' whom my mother and I never knew, did not know, and believe is someone who used this number as an erroneous contact number. 

The other debt collectors called and when spoken with, gave up the chase although one did briefly freeze MY bank accounts as a means of forcing me to provide information, which I did not have. They gave up. 

However, since XX/XX/XXXX, Diversified Consultants out of XXXX XXXX, Florida, have called every weekday, sometimes more than once and when given the opportunity to leave a full name, detailed message, and a legitimate callback number, failed to do so. We monitor our calls so as to avoid excessive telemarketers, which even the Federal Do-Not-Call Registry fails to stop. Had they provided the requested information, I would have either picked up or called them back but they call and hang up or are blocked. 

When I filed complaints with the Federal Do-Not-Call Registry and the FCC, they changed their phone numbers up but still do not leave the requested information. 

After a couple of months, I began blocking their calls so they then used numerous other numbers. I researched the numbers online and discovered that they were Diversified Consultants, a company with a notorious reputation for debt collection. 

Numbers they previously used : XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX ; Numbers they now use : XXXX, XXXX, XXXX, I will not speak to these people as every opportunity they have had to be civil and leave the requested information so I could either speak with them or return their call and tell them my wife and I do not for whom they seek, they never leave the info and just call. 

My wife and I owe no past debts and the debts we do have, we are paying. I believe these people will not leave messages because they seek to get some victim on the line and then go into bully mode. I will not fall for this type of treatment. Please stop them.
Product: Credit reporting

ex-niece with same name but differint birth dates and age and address getting bad credit score for her and her husband XXXX XXXX and XXXX other XXXX XXXX credit companys need to check birth dates, and social security cards more closely instead of running others credit so they ca n't get housing, car, insurance rate is higher ect. ex nephew went to jail jumped bail bound I get subponea to court when it had nothing to do with me and is on my credit report, credit cards, apt XXXX damage ect on my credit report because of them!!!!!!!!!!! Please check birth date and SSI #!!!!!!!!!!!!!!!! I 'm XXXX Not in my XXXX And not in my XXXX Thank you
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous correspondence regarding the fraudulent items on my credit report. Despite my previous efforts to rectify this matter, I regret to inform you that the erroneous entries persist, and the issue remains unresolved. 

As I previously stated, the fraudulent items are inaccurately affecting my credit score and financial standing. Despite providing documentation and evidence proving the fraudulent nature of these entries, they continue to tarnish my credit report, causing undue stress and hardship. 

I understand that rectifying such matters can be complex and may require thorough investigation ; however, the lack of progress and communication from your end is deeply concerning. It is imperative that immediate action is taken to remove these fraudulent items and restore the accuracy of my credit report. 

I urge you to prioritize this issue and undertake all necessary steps to expedite the removal of the fraudulent entries from my credit report. Additionally, I request regular updates on the progress of the investigation and the actions being taken to address this matter. 

Failure to promptly resolve this issue may result in further escalation, including legal action and involvement of regulatory authorities. I trust that you understand the severity of this matter and will act swiftly to rectify it. I am asking for your assisstance 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

We received 4 demand letters dated XX/XX/2022 stating we may be at risk of foreclosure because we were 37 days past due. The payment furthest past due was paid on XX/XX/2022. I called the company as I am familiar with mortgage collections and know you can not be at risk of foreclosure until youre 60 days past due. I was told that I should not have received a demand letter and they dont know why it happened and could offer nothing other than an apology and they submitted a complaint that I may or may not hear back on.
Product: Money transfer, virtual currency, or money service

Earlier this year, I had invested in the " XXXX XXXX '' XXXX, acquiring XXXX tokens in total. On the XX/XX/2018 I decided to withdraw these tokens, and sent them to my crypto wallet at " Coinbase.com ''. After waiting several hours and not seeing the transaction appear in my Coinbase account despite it being visible as completed on XXXX, I contacted Coinbase at which point they advised me that they in fact do not accept that form of token, were unwilling to return my transaction and that I should consider it lost. I went on to request that my issue be escalated which it was, and I received one more email stating the same as the previous. 
Since then they will not respond to my communications. I believe that this is a case of theft, regardless of how they try to hide it behind the guise of technological issues. They have access to my funds, which at the time were equivalent to somewhere between {$3000.00} - {$4000.00} and refuse to either credit them to my account or return the transaction to it's original location, something that in any financial institution would have been done automatically by appropriate mechanisms.
Product: Mortgage

My name is XXXX XXXX and my current mortgage is with PHH mortgage XXXX ( Loan # XXXX ) service by XXXX for my home at XXXX XXXX XXXX XXXX XXXX, FL XXXX I made a payment of {$2000.00} on XXXX2023, the amount due was {$920.00} with the excess of {$1000.00} to be applied to principal balance ( prior to this, any additional amount from the monthly due was applied to the principal with no issues ). On this instance, the excess amount was applied to the payment for the month of XXXX in the amount of {$920.00} and the remainder of {$140.00} going to the principal. I contacted them on XXXX occasion ( XXXX-23, XXXX-23 and XXXX-23 ) to rectify the issue and clarify the policy which indicate that any extra payment after the due amount will be applied to the principal balance, they confirmed the policy and indicated that the issue should be resolved within XXXX business days, XXXX-23 the issue remains unresolved.
Product: Credit reporting or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Transuion in XX/XX/2019 about an error reporting on an account in which they replied saying it was verified as correct. I sent another letter pointing out that same error and they replied the same in saying it was right. Transunion failed to perform an actual investigation but simply mirrored what's already in their system.
Product: Credit reporting, credit repair services, or other personal consumer reports

My family purchased a car with me as a Co buyer without my knowledge. The company says they verified the information which is impossible. However, because my mother was on the loan and she is now XXXX I decided to help so this car could stop affecting my score. I settled the loan as less than the amount owed with XXXX XXXXXXXX ( the collection agency provided by XXXX XXXX ). I was never told that the collection company would take 30 days as well as the creditor ( XXXX XXXX ) would take an additional 30 days. I am in the process of purchasing a home and this account is significantly affecting my home buying process. XXXX XXXX sold the account to a collection agency, XXXX XXXX reported the account had late pays the entire time the account was in collections causing a double negative effect. I really would like someone to review this matter. I have yet to obtain paperwork from XXXX XXXX stating the account was settled in full. I have reached out to the CEO, customer service, as well as many other representative at XXXX XXXX and XXXX XXXX. I received long, disconnected phone calls and no solution to any of my problems. My consumer rights were violated on numerous occasions and I would like XXXX XXXX to rectify the situation. 



Not admitting to the debt
Product: Debt collection

XXXX XXXX at XXXX XXXX called me and told me that I was going to have a warrant for my arrest if I did n't make a payment on a debt from 5 years ago. They were attempting to get XXXX in total. I blindly sent XXXX dollars to these con-artist.
Product: Credit card

Sears Credit Department/Citi Bank adversely closed my credit card account while I 'm a victim of identity theft and then hung up in my face while I was trying to explain that the credit report that they have pulled may not be accurate. I contacted Sears Credit Dept and explained that I have had all my credit reports frozen because I 've been a victim of identity theft. That in the past I 've had trouble with the viewing of my credit report because it has been frozen by all the credit bureaus. I asked about the credit report pulled and I wanted to make sure that it was an updated report because not an old report because I had my reports frozen. I asked to speak with a supervisor because the credit analyst explained that there was nothing that I could do even though I was a victim of identity theft. I spoke with the the supervisor where the supervisor explained that they do n't pull my credit report but a summary or snapshot of my credit report through XXXX. I then explained that when you pull a credit report it explains that Ive been a victim identity theft instead of just a summary of my credit which may or may not be accurate. She said its great that you 've had your credit reports frozen but you need to take the derogatory comments on your credit report with XXXX. I explained that I had never paid Sears late in spite of identity theft. As I explained to the supervisor that my account should n't be closed when I 've had my credit report frozen as a victim of identity theft I was then hung up on by the supervisor. The supervisor and the credit analyst had my telephone number in the event that the call was disconnected and to call me back if the wait was too long. However neither attempted to call me back. Sears/ Citi Bank does not have procedures in place when their customers are victims of identity theft and that they make adverse decisions regardless of whether their summary snap shot review is accurate or not. Had they pulled my credit report they would 've been aware that I was a victim of identity theft. I would like my credit card account re-opened. I 'm a person and unforeseen things happened but I 've never paid Sears/ Citi Bank late. I 've got a great pay history and have worked hard to try and keep that but does not matter to Sears/Citi Bank. Closing my account continues to hurt my credit.