23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I received 3 separate emails stating that I had opened 3 checking accounts with Ally Bank. I never opened any accounts with them. I called several times and basically received the runaround. Today I received a letter from Ally stating that these accounts were now restricted due to unusual activity on XX/XX/year>. I called their fraud department and again was given the runaround and the person I spoke to was very vague and stated it would take 30 days to review and someone would call me back. I am very upset that 3 accounts were opened in my name without my permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX late open XXXX XXXX XXXXXXXX late open XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Mortgage

I have filled numerous complaints against Axos Bank and their lack of response to my numerous request for providing me with details of my loan and loan modification requests. They have repeatedly ignored my requests and the only times they responded to me has been when I have sent my communications to them through Consumer Financial Protection Bureau. 

Even with your help, I have yet to have a clear answer on the balance of my arrear loan balance and they have failed to provide me with any explanation of how they have arrived to the balance they are requesting. 

They have repeatedly threatened me and my family with foreclosure without even providing me with any explanation about my mortgage and any proper notice. 

I am not sure if they have added late fees and penalties to my loan which I believe is illegal since I was effected by Covid19 Crisis and think I am protected by Act of Congress from any added fees and/or penalties to be added to my account Since the last letter sent to me from Axos Bank dated XX/XX/XXXX, I have contacted Axos Bank over one hundred times ( without exaggeration ) and only were directed to a voice mail and no one returned my call answering my questions and concerns resulted by the threatening letters sent to me with foreclosure causing tremendous stress and fear for me and my family. 

Axos Bank only feel obligated to respond when it hears from CFPB and even then they completely ignore the questions and requests indicated in the letter and use cookie cutter answers unrelated to the communications sent to them. 

The last correspondence I received is identical letter to the correspondence I received last XX/XX/XXXX with different topics and different requests for information.
Product: Debt collection

I noticed a collection on my credit report for {$770.00}. 
The company name is : LVNV Funding LLC. I called XXXX and they said its a debt from XXXXXXXX XXXX, an electric company. I have never lived in Texas, nor do I own any property in XXXX nor do I have any relatives or friends in Texas. This is a fraudulent charge that is affecting my credit score in a negative way. 

I disputed this charge with XXXX on XX/XX/year> and they got back to me and said that the charge is valid. XXXX disputed the charge again today and asked for document, proof that this debt is mine which I know they would not be able to produce because this debt is not mine. 

Please assist me to remove this charge from my credit report.
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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX 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: Money transfer, virtual currency, or money service

I was receiving a phishing email ( later determined ) to my school email account saying that there is a student part-time job opportunity in which the weekly salary is {$350.00}. This email asked me to send my personal information to the phone number XXXX. The person sends the email indicating he is the agent of a professor named XXXX XXXX at the University XXXXXXXX XXXX, and the person who owns the above phone number indicates she is professor XXXX. She first sent me a fake check with {$1800.00} to purchase school supplies, and later let a sales representative send me an email that request me to send {$1500.00} to a XXXX account name XXXX XXXX on XX/XX/2022. I reported this situation to my Bank of America fraud department on XX/XX/XXXX, and they replied on XX/XX/2022, that they couldn't approve my claim.
Product: Mortgage

XXXX XXXX ... FREEDOM MORTGAGE*** THIS COMPLAINT IS AGAINST A SPECIFIC INDIVIDUAL FOR NUMEROUS CRIMINAL ACTS ... WE HAVE EVIDENCE IN WRITING*** XXXX XXXX IS GUILTY OF CRIMINAL CONVERSION, RACKETEERING, EMBEZZLEMENT, LOAN FRAUD, ATTEMPTED GRAND THEFT, MORE WHILE INSTRUCTING NUMEROUS INDIVIDUALS BELOW HER TO COMMIT CRIME IN A CRIMINAL SCAM DEFRAUDING THE ELDERLY, MINORITIES AND THE LESS EDUCATED. 

FREEDOM MORTGAGE COMMITTED LOAN FRAUD WHEN THEY ISSUED THE LOAN. THEY VIOLATED COUNTLESS STATE AND FEDERAL LAWS ON LOAN DISCLOSURE AND CRIMINAL FRAUD. THEY HAVE CONFIRMED LOAN FRAUD BUT THEY HAVE KEPT THE ILLEGALLY OBTAINED FUNDS. 

XXXX XXXX ALSO SUPERVISED AND COVERED UP EMBELLZEMENT WHILE INSTRUCTING OTHERS TO TRY AND STEAL A HOME ILLEGALLY. SHE ALSO INSTRUCTED OTHERS TO COMMIT LOAN SERVICING FRAUD. 

THE LOAN FRAUD IS DOCUMENTED IN THE CLOSING DOCUMENTS FOR THIS LOAN THE EMBEZZLEMENT IS IN WRITING AND CONFIRMED BY XXXX XXXX THE LOAN SERVICING FRAUD IS IN WRITING AND CONFIRMED BY XXXX XXXX IN ADDITION, XXXX XXXX SOLD THIS LOAN TO XXXX AND WE NEVER SIGNED OR AGREED TO THEIR ABA ( AFFILIATED BUSINESS AGREEMENT ) SO THIS IS ALSO A VIOLATION OF STATE AND FEDERAL DISCLOSURE FREEDOM MORTGAGE RECEIVED COMPLAINTS PRIOR BUT DID NOT ANSWER THEM. THEIR CUSTOMER SERVICE IS A FRAUD. 

THE BANKS HAVE ABSOLUTLEY NO FEAR OF THE CFPB. THEY THINK THE CFPB IS A JOKE. YOU NEED TO MAKE A STATEMENT AND PROSECUTE THESE CRIMINAL ACTS. THERE ARE THOUSANDS OF VICTIMS AND BILLIONS IN LOST ASSETS ILLEGALLY SEIZED BY THESE CRIMINAL XXXX ALREADY ... WITH MORE ATTEMPTED THEFT AS WE SPEAK.
Product: Debt collection

Dear CFPB Representative, I am writing to formally submit a complaint regarding UPGRADE INC, who has failed to send me a copy of the 1099-C form for the charged off amounts of {$4900.00} ay 2024 and {$6000.00} XX/XX/year>. Despite my repeated requests for this documentation, UPGRADE INC has neglected to fulfill their obligation, which I believe constitutes a violation of the following laws : Internal Revenue Code ( IRC ) 6050P : This statute requires creditors to report the cancellation of debt, including issuing a 1099-C form to consumers when a debt of {$600.00} or more has been canceled. 

Fair Debt Collection Practices Act ( FDCPA ) : This act prohibits debt collectors from engaging in unfair or deceptive practices, including failing to provide necessary documentation related to a debt. 

Consumer Financial Protection Act ( CFPA ) : Under the CFPA, any unfair, deceptive, or abusive acts in connection with the collection of debts are prohibited. Attempting to collect on a debt that is charged off raises concerns under this legislation. 
The absence of the 1099-C form not only jeopardizes my ability to accurately report my income to the IRS but also raises concerns about potential fraudulent business practices and tax avoidance by UPGRADE INC . The failure to issue this tax form has significant implications for my tax liabilities and indicates a lack of transparency in their operations. 

I believe that this situation warrants investigation for tax fraud, and I am considering reporting these activities to the IRS for further scrutiny. I kindly request that the CFPB take appropriate action regarding this matter, as it affects not only my financial well-being but may also impact other consumers facing similar issues. 

Thank you for your attention to this important matter. I look forward to your prompt response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX submitting this complaint against Transunion LLC and their is no third party involved. 


As of Today, XX/XX/2022 at XXXX EST your company is entering a binding contract ( Attached below ). Also your company is hereby to delete these accounts below as If your company does not delete these account within 3 business days I will seek legal for up to {$3000.00} as your company will be committing aggravated identity theft, violating the metro 2 compliance and FCRA Delete & purge these accounts below : XXXX XXXX XXXX XXXX  Delete all hard inquires & late payments as well
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing these accounts below. They are not mine, and are fraudulent. There are a lot of inconsistencies in the reporting of them. 


XXXXXXXX XXXX ( CLOSED ) xxxxxxxxxxxx XXXX XXXX XXXX XXXX XXXX : Account number : XXXX open date inconsistent and or duplicate account. 
XXXX XXXX XXXX XXXX ( CLOSED ) Account Number XXXX open date inconsistent XXXX XXXX ( CLOSED ) : Account number : XXXX XXXX inconsistent not mine. 
XXXX XXXX XXXX : Account number : XXXX inconsistent. Not mine, do not have a contract with them. 



I did not give them my consent to report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear XXXX, There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error, nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer. 

Account name and date are listed below! 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX You are required to do what I am asking and block these transaction from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. 

thank you!
Product: Credit reporting or other personal consumer reports

Experian has failed to fufill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues suchh as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing adequately notify consumer of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence i provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Debt collection

This company Speedy Cash. Sends repeated threatening email to my work email. This is how they are communicating to me. This company also has put this on my credit report and is negatively hurting my credit history. Emails are coming from random people with oulook accounts stating, they will contact my employer so they can take action against me. There are threatening to sue me and have different amounts to pay on each email. This is a fradualent company who terrorizes ppl. I have told them to STOP contacting me at my workplace which is a violation. I have the emails for review.
Product: Credit reporting or other personal consumer reports

I SAW MY CREDIT REPORT THIS AFTERNOON BUT I'M STILL DISAPPOINTED WITH IT BECAUSE THE INACCURATE ACCOUNTS ARE STILL THERE. PLEASE KINDLY CHECK THE DOCUMENTS I'VE SENT.
Product: Credit reporting, credit repair services, or other personal consumer reports

They know XXXX well I didnt give permission to put anything on my consumer report under XXXX XXXX have XXXX accounts from XXXX  XXXX  XXXX & syncb/PayPal that are reporting that are not attached to any open accounts and is hindering me from doing things I need to do thats a violation of my privacy I was also false and mislead by XXXX telling me the accounts where deleted I contacted the original creditors & they cant find no application under the account so how its they reporting this is ridiculous & Im making a complaint because they failed me as a consumer to do there job correctly I need these accounts deleted asap
Product: Debt collection

Charges : {$270.00} and {$350.00} This dental office is incorrectly charging me for services not provided. My son had dental work done but ended up not needing anesthesia, however, the office never corrected the charges and has resulted in these bills being sent to collection. I've spoken with the office numerous times but the billing never got corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a billing error dispute for my XXXX XXXX XXXX Home Equity Line of Credit account. 
Since XX/XX/XXXX, I have not received any of my paper billing statement for my XXXX XXXX XXXX Home Equity Line of Credit ( HELOC ) account. Each month since XX/XX/XXXX, I have sent XXXX XXXX XXXX letters requesting that they send me a paper statement so that I may know what amount to pay ( minimum due ) and by what day I must pay ( due date ). XXXX XXXX XXXX has failed to send me paper statements for the month of XX/XX/XXXX to XX/XX/XXXX, for all the months of XX/XX/XXXX, and for XX/XX/XXXX through XX/XX/XXXX. I recently pulled my credit report and all 3 major credit bureaus show that XXXX XXXX XXXX is reporting my account past due for all months since XX/XX/XXXX. On XX/XX/XXXX I contacted XXXX XXXX XXXX by phone and XXXX  XXXX XXXX acknowledged that because of an error in their system, I have not been sent any of my statements since XX/XX/XXXX and that they will be sending out a paper statement in the mail within the next few days. I was also informed that I have a past due balance of approximately {$14000.00} dollars that I must pay. Per XXXX  XXXX XXXX, my minimum payment due changed on or about XX/XX/XXXX. If I would have been given my paper statements, I would have made the correct amount due. I want to dispute the past due balance as several billing errors occurred because I did not receive any billing statements since XX/XX/XXXX Every month since XX/XX/XXXX, I sent XXXX XXXX XXXX a written notice stating that I have not received the statement for the month I mailed out each notice.
Product: Credit reporting, credit repair services, or other personal consumer reports

Looking over my credit and seen some items does not belong to me. The accounts need to be deleted from my credit report immediately. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The Following Accounts listed below : XXXX XXXX XXXX XXXX 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: Mortgage

the first sent me a letter regarding my XXXX housepayment daying it would be reduced because I had an excess in escrow. I paid the usual housepayment anyway. they put the extra into principle. next instead of informing me that taxes had gone up and giving me an opportinity to address NEXT YEARS tax situation they simply tell me my house payment is going up in XXXX. I called to ask why today XXXX XXXX they look it up and say taxes are going up by XXXX dollars. 

Its important to note that there was an EXCESS in escrow of XXXX dollars that should have covered any tax deficit of XXXX dollars. so why refund me and set me in arrears? 

note this is the second year in a row they are doing this. last year they said insurance when up by a few dollars. 

they XXXX the payment and tack on interest and my end of year what I have paid is OVER what I could have paid up front. 

I do not know how to get my taxes and insurance out of their hands so that I can pay it separately. this in my opinion would be the only way to stop this abuse. I have seen other people I know lose or be forced to sell their homes because these mortgage companies play these games of refunding excess before paying the taxes and insurance and then claiming there is a shortage. this should NOT BE OKAY with the US government!!!
Product: Money transfer, virtual currency, or money service

After seeing several posts, and many pictures, about reconditioned wood stoves in a XXXX XXXX XXXX group, I commented on a particular woodstove a guy had for sale. After several conversations, the guys sent me about XXXX different pictures of 3 reconditioned wood stoves I was considering for a new home I'm building in XXXX, while I'm currently living in XXXX. We agreed on a price of {$900.00} for the XXXX I wanted, and on XX/XX/2024 I sent a deposit of {$350.00} to XXXX XXXX XXXX on his XXXX account referenced by phone number XXXX. The {$350.00} was paid by my Bank of America Business account # XXXX. 

On XX/XX/XXXX, this XXXX sent me a XXXX message saying they had a death in the family, and he would be out of town for a few weeks, and wanted to complete the sale. After much thought, I sent the man the {$550.00} balance, plus another {$250.00} for shipping. The {$800.00} was paid by my Bank of America personal account # XXXX. 

XXXX minutes later, I received an email from a shipping company, XXXX XXXX XXXX, telling me my tracking # XXXX which could be tracked at : XXXX. Tracking showed the stove to be shipped XX/XX/XXXX, arriving at my new house XX/XX/XXXX, while I was there. Then on XX/XX/XXXX, I got another email from the trucking company wanting another {$650.00} " refundable insurance ''. At that point, I knew I was scammed. The man tried to convince me that he would pay {$350.00}, so that I only had to pay another {$300.00}. After considerable research, I learned the man was a fraud, frequently scamming others, the Trucking website was his fake site in an attempt to scam people of even more money. 

I immediately tried to contact XXXX, but they won't talk to you if you sent money from your Bank of America app, you have to contact bank directly, which I did. I filed two claims, since 2 separate accounts paid. About 10 days later, I received 2 form letters saying they were denying my claims, they paid the money I told them to, and it was gone. They forwarded info to XXXX to investigate. Completely furious that BoA nor XXXX seems to have an interest in me reclaiming my money, or stopping others from being scammed, I called and complained to Bank of America again, then called XXXX and complained. Both just kept referring to legal jargon in their terms of service as justification for doing NOTHING. Then, a few days later I got a credit of {$170.00} in my account, no explanation, then a letter a few days later saying the claim was paid and closed. Like I'm supposed to be satisfied. 

Bank of America and XXXX sell themselves as the safe and convenient way to transfer money, but that's FAR from the truth. They hide behind legal jargon and do nothing to protect customers!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX Account # : XXXX, XXXX XXXX Account # : 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: Debt collection

I received a letter from Mediation Recovery Center stating that I owed a debt of {$4300.00} but they would give me a discount to {$3500.00} if I paid today. I always pay all my bills and have a good credit score XXXX. I called and the person answered the phone and immediately started telling me about a bill I owed. He did not ask me any identification questions. He started threatening me that they have a very large file on our case and stated we owed this money for durable medical equipment provided at the time of a XXXX my husband had in 2018. He stated he had EOB 's from the insurance, signed contract to pay from my husband, etc. I am a XXXX XXXX  and I know that my husband did not have or require the durable medical equipment that he was talking about. I also have never received a bill or any prior communication about this. I was suspecting a scam. I asked him to send me the EOB and signed paperwork from my husband. I then stupidly did provide him with my email address. He did send me a letter supposedly from this durable medical equipment company, but was something that he could have typed up, he did not send EOB 's or a signed contract from my husband. I told him I thought this was a scam and he became very threatening to me, stating that he would just push it through to ruin my credit report if I did not want to pay today. I hung up on him. I then XXXX  the company and it looks like others have had this experience and it is a scam. I did not give these people money but I am reporting them hoping to put a stop to them scamming other people.