23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Re : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Acct # XXXX To whom this may concern : Please Note : This is my second attempt requesting a response. I requested Specialized Loan Servicing, LLC to rescind the 1099-C, due to the unsubstantiated debt being 36 months old. If not addressed, I will have no other choice but to dispute this matter with the IRS and beyond. Please forward your correspondence via this CFPB portal.
Product: Mortgage

I submitted all application materials within 48 hours of request, oftentimes within 24 hours or sooner. I was told I would close on our refinance by the first week of XXXX. I received no updates. The first week of XXXX I reached out several times. Sometimes they told me to submit more materials ( some of which I already submitted ), and other times they told me nothing else was needed. One of the items they claimed they were pending is the required questionnaire completed by my HOA. I contacted my HOA and they submitted the questionnaire almost a full month earlier, but AmeriSave lost the questionnaire because they changed my loan processor without warning and it was sent to the old loan processor. I finally received my initial closing disclosure with a new closing date of XX/XX/XXXX. I received no instructions for closing day, so I reached out on XX/XX/XXXX and XX/XX/XXXX several times and could not reach my loan officer or loan processor until the end of the day on XX/XX/XXXX. They told me the underwriters were still reviewing materials and I can not close on XX/XX/XXXX. Had I not been proactive and not contacting my loan officer or loan processor, I would not know the status of my refinance application and what to expect. I still do not know what to expect, but I suspect that they are delaying my closing until after my new rate lock of XX/XX/XXXX expires or after the general election when interest rates are likely to increase.
Product: Debt collection

I work for a XXXX as a XXXX. Over the past year, colleagues have received messages, ostensibly intended for me, at various numbers throughout the department. The messages are rapidly spoken, and a phone number is left. When I have attempted to contact someone at that number, a representative insists that I confirm my social security number before they will release information. Naturally, I refuse to disclose any personal information until they inform me of the reason for the phone call. The only response I 've been given is that the call is in reference to a " personal business matter ''. I refuse to provide these scammers my personal information and having them contact various colleagues throughout my department is highly embarrassing.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the fair credit reporting act, The list of accounts below has violated my federally protected consumers ' rights to my 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 15 USC 1681 section 602A. States I have the right to privacy 15 USC 1681 Section 604A. States a consumer reporting system or agency can not report any accounts without my written instructions. 

15 USC 1681c a 5 Section states NO consumers reporting agency may NOT make any consumers reporting containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681s 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. REMOVE/DELETE off my accounts
Product: Credit reporting or other personal consumer reports

This notice is to inform you that you unlawfully reported an unauthorized account on my consumer report. I have not given you written permission to put anything on my credit profile. You have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 

I am disputing the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX  XXXX  XXXX XXXX   XXXX  XXXX XXXX XXXX - XXXX XXXX XXXX XXXX  XXXX XXXX. XXXX XXXX  XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this due to non compliance with the CRAs ( XXXX, XXXX, Experian ). They have failed to remove information that is affiliated with personal details that were challenged in the past. I strongly believe that they are are in violation of the FCRA and are outright refusing to uphold the law.
Product: Debt collection

I received a letter from this company who is collecting a balance owed to XXXX XXXX back in XXXX. 

When the first representative called me I told her the balance was inaccurate as I had gotten a policy with another agency. She gave me the information to submit my new policy cards so they could get me an updated bill. 

Between XXXX we repeated this process many times and eventually they got the information and in XXXX updated the bill in my favor. 

In XXXX they reported me to the credit bureaus which damaged my credit. I didn't even have the opportunity to address this directly with XXXX OR with them. 

The collections company called many times without leaving messages. Today I called them back because I had free time. I told them I was going to pay XXXX directly and the representative told me I needed to pay them instead so they can update the credit bureaus. The snide gentleman told me that they would not be deleting my information and instead would list it as paid in full. 

I asked for a supervisor and this gentleman proclaimed that " they will simply tell you what I've told you '' ( very rude ). His supervisor joined the call and I explained the situation and she tried throwing out buzz words like FCRA like I'm some XXXX who doesn't know how credit reporting works. I told her from my perspective there is no benefit to paying in full if they aren't going to correct my credit report and remove the entry since their file started with bad information to begin with. 

This lady then proceeds to tell me that based on the original file they had what they believed to be the right information and were well within their rights to report me to the credit bureaus. I don't know how this company does business but this is ridiculous. First of all I barely had a few days notice between the time the amount was CORRECTED and the time they reported me. Secondly the bill came from XXXX before it came from them with the CORRECTED amount. They need to do the right thing and update my credit file this is having a direct impact on my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX date open XX/XX/XXXX balance {$6400.00} I'm not aware of this account I've tried to take it off and it has not been removed Account : XXXX XXXX  XXXX XXXX date open XX/XX/XXXX balance XXXX not aware of this account and I've tried to have it removed and disputed but it has not been taken off XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX date open XX/XX/XXXX balance XXXX Had it account removed but it's still on my cXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX date open XX/XX/XXXX balance {$1500.00} not aware of this account and I've had it removed and it's still on my credit
Product: Credit reporting or other personal consumer reports

i want these inquirys removed i did not authorize to run on my credit report
Product: Mortgage

I purchased my first home in XX/XX/XXXX. My loan was sold to Suntrust now Truist in XX/XX/XXXX. Since our mortgage was sold to Suntrust, they have been collecting too much escrow from us ( they say we owe more property tax than we do, even though that amount is set more than a year in advance and published online for us and them and the local government to see ). When they first paid our biannual property tax ( XX/XX/XXXX ), they acknowledged this and sent us a {$220.00} credit. I didnt mind so much because I figured Id be getting that amount every six months due to overcollection. The second biannual property tax payment comes around ( XX/XX/XXXX ), they not only dont send us the credit, they increased our monthly payment claiming that we will owe more property tax in XXXX so they will need to keep that credit plus collect more. Meanwhile, our property tax is staying flat in XXXX, which they well know and can see publicly online. So they are now holding our money XXXX from us. I appealed the escrow amount in XX/XX/XXXX. They researched my appeal and denied it. Finally, after realizing there was no recourse here, ( end of XXXX ) I requested they delete my escrow account altogether. I signed the necessary paperwork to delete the escrow account and sent it back XX/XX/XXXX. I have called them seven times since then, waiting on hold at least half an hour each time. No one can give me any information about where my request stands. Here is the worst part for the CFPB to consider - the escrow deletion department does not accept calls or communications from customers NOR from other XXXX departments. There is no communication allowed with that department except written notes from other suntrust departments. After my sixth call, a customer service representative raised my concern for research and said someone would contact me in XXXX hours. It has been 6 days since then and no one has contacted me. I filed a formal complaint after that, and have heard nothing. Finally, today I got an automatic notification that my escrow amount due increased AGAIN. It seems illegal that there is no recourse and no relevant department to communicate with. They are collecting far more than the necessary two months cushion and not giving me any option to get that back.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit inquiry on XX/XX/2023 on my XXXX account. I do not have any open credit accounts with this company. United Consumer Finance.
Product: Credit card or prepaid card

The custody of my HSA account transferred from XXXX to Optum Financial on XX/XX/2022. I had a pending {$340.00} Credit to my account at XXXX that became a permanent credit as of a letter received XX/XX/2022. On XX/XX/2022 I called Optum Financial to ask them to transfer the {$340.00} that was apparently " stuck '' at XXXX. I was assured that the funds would be debited from XXXX and credited to Optum and was provided case # XXXX. The funds were debited from XXXX on XX/XX/2022 and were never credited to Optum. On XX/XX/2022 I called Optum and requested status but there was no record of my previous requests so I submitted a new case # XXXX and provided a copy of the letter I received from XX/XX/2022 showing the {$340.00} credit was permanent. I was told the credit would apply to my account in 3 business days. On XX/XX/2022 and XX/XX/2022 I called both Optum and XXXX and both at the same time on a conference call. Neither bank shows any record of the {$340.00} ever being credited to me.
Product: Mortgage

I have been making my mortgage payments on time for years. XX/XX/XXXX and XX/XX/XXXX I changed bank and contacted the mortgage company so they can take payment from me over the phone. Since they had already process the may payment from the account on file, they had refuse to take a second payment from me over the phone. 
Meanwhile, says are passing by without any sign of them getting the payment even though I had money to cover three months if they wanted to help me. Now I need to have the PMI remove from my mortgage, they tell me that I am not qualified because of the late payment of XX/XX/XXXX. 
Please help me resolve this matter. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, After the XXXX data breach, I used the XXXX website to see if my SSN was impacted ( XXXX XXXX XXXX ). They confirmed that I had been ( although I 've read reports that their system is incorrect more often than not ) I have since been taking steps ( today, X/X/2017 ) to add freeze to all of my credit reporting accounts. Across the major three and additional 1one ( XXXX, XXXX, Transunion, and XXXX ), the process has taken me hours with only some success. 

My major complaint is that the time and cost of placing freezes has been arduous. I have already paid multiple institutions for placing the freeze ( XXXX - {$5.00}, Transunion - {$10.00} ) and both require fees if I ever decide to temporarily lift the freeze. 

I am genuinely confused why agencies that I did not consent to giving my information to are allowed to charge me for them to keep my social security number safe. Why is the default that they can set their own policies with my personal information? Why is opting into a slightly more secure set up ( a  freeze ) costing me time, lost income, and fees? 

I realize that I am bringing up a systematic issue, and not a particular one. Regardless, I believe the CFPB is the only organization that can help and I would love to know if that is possible and if there is anything you can do to help me and people like me. 

Thank you in advance for your help and thank you for all that you do!
Product: Credit reporting or other personal consumer reports

In the matter at hand, Consumer ( Complainant ) alleges inaccuracies and material misrepresentations in credit reporting by TransUnion for the XXXX XXXX XXXX ( XXXX ) account/tradeline, aka XXXX, with purported original creditor XXXX XXXX XXXX. 
Despite receiving dispute notifications and clear evidence of misleading information reported, TransUnion has failed to conduct proper ( re ) investigations as required under 15 U.S.C. 1681i. Furthermore, TransUnion has failed to implement and maintain processes and procedures to ensure maximum possible accuracy in the credit files it maintains regarding Complainant, as required under 15 U.S.C. 1681e ( b ). 
This pattern of behavior is evident in the indirect disputes filed by Complainant, followed by the persistence of inaccurate information for the XXXX XXXX XXXX account/tradeline. XXXX actions demonstrate a disregard for regulatory guidelines and statutory duties under the FCRA and a deliberate attempt to avoid rectifying the inaccuracies, causing significant harm to Complainants creditworthiness and financial stability. The full complaint is attached.
Product: Credit card or prepaid card

SIGNED UP FOR OPTIONAL CREDIT PROTECTION SERVICE AND LOST JOB ONE MONTH AFTER CARD WAS IN MY POSSESSION, ENDED UP MOVING AND OTHER THINGS GOING ON CREDIT CARD COMPANY NEVER LET ME KNOW I COULD HAVE FILED FOR PROTECTION AND HELPED KEEP CREDIT SCORE. NOW THEY TALKED ME INTO MAKING A {$50.00} PAYMENT TO " BRING CURRENT '' AND SAY NOW I CAN BACK DATE TO XXXX OR XXXX FOR HELP.. 


I DONT SEE IT BEING CORRECT.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process + was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've been trying to resolve the multiple negative accounts on my credit report. The Credit Bureau Transunion is neglecting to verify the accounts properly and i feel that my FCRA rights have been violated because I was denied copies of documents that were supposedly used to validate the accounts that were disputed on my credit report. 
On XX/XX/XXXX I sent in a letter asking for them to provide me with an original documentation and who and how was this information verified. 
on XX/XX/XXXX I sent a second request asking them to re-investigate the disputed items on my report and to provide me with original documentation, who and how was this information verified. 
on XX/XX/XXXX I sent a third request asking for them to again re-investigate the disputed items on my report. In the letter i again asked for them to provide me with the original documentation, who and how was this information verified. 

Attached will be the fist, second and third letter that i sent to transunion. I also will attached the receipt from the postal service as well for the first letter.
Product: Mortgage

XXXX XXXX XXXX in XXXX my wife and I had a mortgage with Wells Fargo. It was being serviced by America servicing company, I had received a letter stating that we could refinance our current loan to get a much better rate. They were at record lows during this time. I agreed to move forward so the company sent me paperwork to fill out for the refinancing for the lower interest rate. Wells Fargo told me to call them when I receive the paperwork which I did at that time. I was directed to fill out the paperwork have it notarized and send it back my response was there was a Wells Fargo office about four blocks from my house, and I would go there since it was their paperwork. 

So as I arrived at the Wells Fargo office in XXXX Florida, I told the young lady that I was there to fill out this paperwork for refinance for a lower mortgage rate. She said she had not seen that type of paperwork and she needed to ask someone in the back room what to do. The young lady came back to her desk. We move forward with filling out the paperwork as I got to the last few pages it showed when my next payment would be due. The problem is the date was six months earlier than the date that I was sitting in their office as I pointed that out to the representative she again went to the back spoke to someone came back and said thats because the paperwork was processed when it was sent out which didnt make a lot of sense to me but she said go ahead and sign everything we sent it in. We have a team of lawyers that will correct it. They will send you out a new payment book. The reason I went to the Wells Fargo office was because it was their loan and I wanted to make sure there were no issues so I assumed that since they are telling me this was a standard practice I went ahead and signed everything sent it in and it was months before I heard anything back. I had tried calling several times and I actually told them I would make a double payment just to avoid any issues but they said there was no payment to be made. They were still working on the modification. 

After several calls and three months later, I got a letter that stated when my next payment date would be which was again XX/XX/XXXX one week later I received another letter that said my modification was XXXX void due to nonpayment and that I owe them nearly {$10000.00}. I thought for months to try to speak to representative. I got the runaround for several months with many threats to take my home so I hired an attorney, which in the end Wells Fargo foreclosed on my home. I had lived in this home for 20 years with no issues until Wells Fargo contacted me to get a lower interest rate and in the end I feel there was much deception that led to me losing my home when I called to tell them that I wanted them to pull the recordings of me calling and talking to representatives at the beginning of every call, it would say this call is being recorded for quality that supervisor called me back and said unfortunately, none of those recordings exist again feeling nothing but deception.