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

My soon to be ex-wife forged promotional checks in XXXX against my Bank of America credit card for her own personal gains without my consent or authorization. I immediately reported the incident to local authorities in XXXX, CT XXXX # XXXX. She was arrested on XXXX after several months of an investigation involving several other credit cards and checks forged in my name. A warrant was issued for her arrest on XXXX and she was charged with third-degree larceny ( four counts ), forth degree larceny ( three counts ), fifth-degree larceny ( five counts ), sixth-degree larceny ( two counts ) and second-degree forgery ( nine counts ). Her family posted her bond for {$25000.00}. Her judicial case is docket number XXXX. 

Charges include 4 promotional checks forged on these dates and for the corresponding amounts ; 1 ) On XX/XX/XXXX check forged for {$2000.00}, on XX/XX/XXXX check forged {$500.00} ; on XX/XX/XXXX check forged for {$1000.00} and ; on XX/XX/XXXX check forged for {$1000.00} USD. In aggregate, a total of {$5600.00} ( including transaction fees ) was charged against my account. Charges were removed from my account in XX/XX/XXXX under fraud claim # XXXX but then reapplied to my account in XX/XX/XXXX before the local authorities took action. I've provided all this legal information to the credit card company and I call almost daily to remove the charges I did not authorize ; especially since the arrest. I've sent information multiple times to XXXX  XXXX XXXX through the required fax numbers provided, but I get no feedback because no one in their organization will contact me via email to help resolve. I continue to make minimal payments not to ruin my credit history and sadly I've been a devoted patron to XXXX  XXXX XXXX for over 20 years. They are not responding to reason and I need to continuously explain the scenario and circumstances to a new individual every time I call, even though they claim that each call is recorded and the customer service or fraud representative I speak to claims to allegedly be taking copious notes and actions toward resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

To who this may concern, I am writing to express my concerns with the conduct of XXXX, XXXX, and Transunion. In XX/XX/2021, I noticed that some unauthorized information was being furnished on my consumer report without my permission and equally as importantly without my knowledge. After studying federal consumer rights and the many laws that govern them extensively, I became aware of the blatant violations of my consumer rights. Shortly after the discovery of the violations, I sent a number of dispute letters requesting or even demanding that the above credit reporting agencies, removed this information because it was affecting my ability to obtain various means of credit that I know undoubtedly could improve my family 's livelihood and financial stability. Each time they would state that information was already investigated and they didn't have to repeat an investigation or that it was just verified. But never offering any verifiable proof that this actual transaction or encounter took place. My question is who gave these Credit Reporting Agencies the authority to determine independently that the word of a third party was more important than the actual consumers. By law, consumer reporting agencies are supposed to investigate all information prior to even furnishing any of it on the consumer 's report. Pursuant to 15 USC 1681b ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I, XXXX XXXX, the consumer never gave them any instructions to do any such thing. One of the most recent documents I sent to each of the credit reporting agencies was a notarized Affidavit of Truth. In which I demanded they have a Senior Executive Representative create an Affidavit and address it to me, where it states I granted them permission to furnish my report ( see attached ). They sent me a generic response which is not an acceptable response ( attached ). An Affidavit has to be rebutted by an Affidavit " line by line ''. They failed to do so to that. I can't stress enough how unfair this is to me as the consumer. I am highly disappointed but not surprised. They are clearly undermining me as the consumer.
Product: Debt collection

On or about XX/XX/2023, I received a call asking for " XXXX '' I told the caller that I have had this number for 15 years and I do not know anyone named XXXX. 

On XX/XX/2023 at XXXX XXXX I received another call. It was the same number asking for XXXX XXXX ( or something that sounded similar ). I asked if it was the same person who called me before and they said we will keep calling until XXXX contacts us. 

I again told the caller ( named XXXX, who said he was a specialist at the XXXX XXXX office of Nissan Motor Acceptance, but would not give his name or employee number for " his privacy. Apparently my privacy doesn't matter ) that I don't know anyone by that name and that I asked them two days ago not to call me again. 

I said I thought that this was a TCPA violation and he said that since I am not a customer ( so he admits that I have nothing to do with Nissan ) that he can call me if he wants and the TCPA doesn't apply. 

I asked for a supervisor. He said that he would get one. After 10 minutes XXXX told me that he would take my name off their list but again demanded that I give him contact info for XXXX. I sat on hold for 21 minutes until I got that supervisor, whose name was XXXX. She did apologize, but I want to make this complaint, because the original rep seems to think that they can bully people and threaten to call their phones repeatedly for debts they do not owe. 

The number they called me from was XXXX
Product: Checking or savings account

My account is set up to limit communications to by phone ( voice only ) or email due to my XXXX limiting cell phone use precluding texts. Today they sent me a text that looked like spam so I went to login via personal computer ( how I always access ). I will attach the XXXX  of that screenshot telling me they had disabled my account. I called and the person said nothing they can do for me to look to see signs if I was hacked since they ignored my communications needs and I can only do in a way that does not work for me. Seems like not ADA compliant besides behaving as if my account gives me no rights to monitor them. They said it was due to an audit they were doing -- shouldn't customers be notified of audits on their account before it happens?
Product: Credit reporting or other personal consumer reports

Subject : Cease Unauthorized Credit Reporting Immediately California FCRA and Identity Theft Fraud Laws Dear DISCOVERBANK, I am reaching out to address a serious concern regarding the unauthorized reporting of information to my credit report, in clear violation of the Fair Credit Reporting Act ( FCRA ), particularly under California Civil Code Sections 1785.1 and 1785.15, and identity theft fraud laws, specifically California Penal Code Section 530.5. 
It has been brought to my attention that ( company name ) has engaged in unauthorized reporting to my credit report without securing my explicit consent. According to federal law, as specified in the FCRA, the consumer 's consent is an absolute prerequisite for such reporting activities under Section 1681b ( a ) ( 2 ).

Furthermore, California state law, particularly Section 1785.1 of the Civil Code, underscores the importance of obtaining consumer consent for credit reporting. Additionally, Section 1785.15 establishes clear regulations for the proper reporting of consumer credit information within the state. 
Simultaneously, identity theft fraud laws, such as California Penal Code Section 530.5, emphasize the seriousness of unauthorized access and misuse of personal information. 
I assert unequivocally that I have not granted consent for ( company name ) to report any information to my credit report. This lack of explicit permission constitutes a blatant violation of my rights, potentially damaging my creditworthiness and demonstrating a blatant disregard for federal and state laws. 
I demand, with the utmost certainty, that ( company name ) immediately halt any further reporting of information to my credit report without securing my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Sections 1785.1 and 1785.15 of the California Civil Code. Failure to comply within the stipulated 30-day timeframe will be deemed willful noncompliance, subject to penalties under applicable laws, including identity theft fraud laws. 
I emphasize that securing consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA, California state law, and identity theft fraud laws. This is not open for negotiation ; it is a demand for compliance with both federal and state regulations, safeguarding consumers like myself from unauthorized and harmful credit reporting. 
I anticipate your immediate attention to this matter and expect ( company name ) to promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
Product: Mortgage

XX/XX/2022 FORMAL COMPLAINT TO WHOM IT MAY CONCERN : My name is XXXX XXXX I am writing to you on behalf of my husband ( XXXX ) and myself. 
From the beginning, we made sure our loan processor received all documents for refinance, he was very professional and helpful in getting us approved for this XXXXLoan . We complied with all documents requested in a timely matter. We already had an appraisal and pay the fees up-front, our credit scores were good and income was verified and good to go. 
NEXT step it went to the Underwriters for all documentation to be review and it was successfully uploaded. NOW all of the sudden I get a call on XX/XX/XXXX I was speaking with XXXX from ROCKET MORTGAGE in Michigan to advise me that our loan was close, with no specific reason as to why? I asked to speak with a supervisor and I was transferred to a Senior Lead Research Team Dept- her name is ( XXXX ) she said to me that they are closing our file and they would not be able to move forward with our loan when I ask for specific reason as to why?? Her reply to me was they DO-NOT- FEELCOMFORTABLE WITH IT . She was very rude with me. This explanations is very vague is not acceptable. 
I feel that we were discriminated with this as my husband is a XXXX veteran and this ROCKET-MORTGAGE did us wrong. 
This is just to advise other consumers or veterans to watch out in doing business with this company, there are nothing but crooks who gets you for your money and at the end denied us with no specific reason other than they felt uncomfortable moving forward and close our file, their communication to this loan still not clear for denying process of this loan. 
Please think again if you are considering mortgage they are the worst UNDERWRITING-DEPT to deal with to try to get a loan XXXX XXXX XXXX 
Sincerely, XXXX XXXX  XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/XXXX, TD AUTO FINANCE add a hard inquiry on my credit report per XXXX. 
On XX/XX/XXXX, XXXX XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX.
Product: Checking or savings account

I received a voicemail from a Delaware telephone number on XX/XX/XXXX at XXXXXXXX XXXX  stating that I needed to call back in regards to a case filed against me I called today XX/XX/XXXX as I was dealing with death in my family. They told me that it was for a Wells Fargo account from 2015 I did not have a Wells Fargo account in 2015 I have however had an account Wells Fargo but I was free and clear of any type of debt I did not have a credit card or any type of line of credit with Wells Fargo when I had my account there and they're calling me telling me that now over 7 years later they're coming after me for {$900.00} which came up with an address that I've never lived at not even in 2015 or in XXXX that I live at the address that they gave me now granted they do have my correct social security number but they're saying anything that is attached to my social security number if I do not pay that whatever relationship I have with my current bank will be taken from me and I will not be able to get any type of account at any Bank for the next 7 to 10 years.
Product: Mortgage

I have a XXXX XXXXt and XXXX  issues. XXXX  in general in difficult, I find using the phone to be debilitating due to the XXXX  issues. I had contracted XXXX after XXXX and was out of work, without pay, for two weeks. The mortgage was transferred to Mr. Cooper in XXXX. The XXXX caused me to miss my first payment with Mr. Cooper. Other than basic Welcome letters in the mail, I never actually heard from them. Any phone calls they may have made had no voicemails. It took several attempts at messaging them after XXXX to finally get them to send me a Deed in Lieu form. Which they provided no information along with. I filled it out anyway. Paid to have it faxed back to them, then never heard back. Had to sign into the website, and go under Statements-Miscellaneous Documents to read that the Deed form had been rejected as Incomplete. That was it. No explanation. I have gone through the XXXX XXXX XXXX Received yet another " We've done nothing wrong '' response along with a few new forms to fill out, again without any real information along with them.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally file a complaint regarding Equifax 's failure to update my credit report to reflect the accurate information following my dispute of a 1099-C form that was issued to me. Despite my efforts to resolve this issue, Equifax has not made the necessary updates to my credit report to reflect the accurate discharge of debt.

To provide context, I received a 1099-C from XXXX XXXX XXXX indicating cancellation of debt for an account with the reference number XXXX. However, upon reviewing my credit report, I noticed that the status of the account was not updated to reflect the discharge or cancellation of the debt, which is in direct violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

I have previously submitted a dispute to Equifax, providing documentation such as the 1099-C and other relevant paperwork to substantiate the discharge. Despite this, Equifax has not corrected the information on my credit report, and the account continues to be reported inaccurately.

I kindly request that the CFPB intervene to ensure that Equifax updates my credit report in accordance with the discharged debt, as per the 1099-C. I am seeking accurate reporting and resolution of this matter to prevent further damage to my credit profile.

I have attached copies of all relevant documents, including the 1099-C form, dispute correspondence with Equifax, and my credit report reflecting the erroneous status. 

Thank you for your attention to this matter. I trust the CFPB will take the appropriate action to ensure that Equifax fulfills its obligations under the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has an open account.    XXXX   XXXX  opened  XXXX  This account was completed and Settled-  XXXX  with  XXXX   XXXX   Please help .I thou ght once settled with  XXXX  credit report they would have Removed from all. Thank you
Product: Mortgage

XXXX previous case numberSince my last written complaint, Nationstar approved a HAMP but not what was originally agreed to ( Did not take off my ex husband or give me the interest rate offered by Aurora Bank ). My payment went up with this version of the HAMP but I was told my ex husband who is on the loan would be removed with this new HAMP. So, in order to get my ex husband off the loan I agreed and signed the HAMP. When I received the HAMP paperwork, I was shocked and dismayed my ex husband was still on the paperwork and I got a higher interest rate. Upon calling my rep, he explained that he would attach my divorce decree and quit claim deed where the property was quit claimed to me solely by my ex husband that this would remove his name from the loan. So, I signed and returned the paperwork regardless of the higher rate to attain this end. I attaching the email from the Nationstar rep stating that his name would be removed. I signed the paperwork with my ex husbands name on it without his signature. Nationstar signed and recorded this document ( see attached ). My ex husband served me with a lawsuit for not making payments, ruined his credit, and for not taking him off the loan. When I called Nationstar about this the said they will not remove his name off the loan, even with the paperwork I signed, the proof I sent, and the written email from their company. Now I come to find out that they fraudulently manipulated my credit report to show late payments that never occured putting my payments in a suspense account. All of my payments have been on time and I have copies of the cancelled checks to prove it so. They admitted their manipulation of the credit report however it also affected my ex husbands credit report. Their fraudulent actions not only affected me but my ex husband as well, from which I understand this is a federal offense. I am now in the XXXX year of this process. I accepted Auroras offer at 2 % and taking my ex husbands name off the loan, upon the sale of this loan to Nationstar they claim they lost the paperwork ( funny how they said they lost it but yet they accepted modified payments they said they lost XXXX. So I had to start the process all over again. I have now had to hire XXXX attorneys to try and straighten out this mess. One to defend my husbands lawsuit and the other to make Nationstar do what the said in writing. We are still going back and forth with Nationstar to do what they said. XXXX If you would like to verify that last sentence you may contact my ex father in law which I can supply his name and number if requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reported an error on Experian 's credit reporting countless times. They just keep sending it back saying it was verified. There is no explanation and they do not send me anything that I signed or anything proving that it is VALID other than they say the original creditor says it is valid. OF COURSE THEY WILL SAY THAT. I am hoping we can set the bar a little higher than that but then again this is America so we probably can not these days judging by the state of things. Anyways, I doubt this will help either but sooner or later I am hoping someone cares enough to do their job. My hope is now in your hands CFPB. Thank you and have a good day and sorry to take it out on you it is just so frustrating that this is allowed to continue. 

These are the charges and they were the result of fraudulent items on the card that I reported to the police and have sent the reports to XXXX XXXX  many, many times. 

XXXX/XXXX/XXXX Also known as XXXX/XXXX  Account number XXXX Account type Charge Card Responsibility Individual Date opened XX/XX/XXXX Status Closed. {$3.00}, XXXX written off. 
Status updated XX/XX/XXXX Balance - Balance updated - Recent payment - Monthly payment {$0.00} Credit limit {$2800.00} Highest balance {$3600.00} Terms NA
Product: Debt collection

Victim Fraud Assistance Department, Equifax Breach Victim I have included all pages with the official police report from the XXXX Police Department. Also, you have a notarized FTC Federal Identity Theft Victim 's Complaint and Affidavit. Under FCRA 605B ( 15 U.S.C. 1681c-2 ) you are to block any information in the file of a consumer that the consumer identified as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I sent you clear legible copies of my credit report, FTC Identity Theft report, Official copy of the Identity Theft Police Report signed and notarized. I previously notified you in recent certified letters and affidavits that I am a victim of identity theft, and requested that you do the following : Close the unauthorized accounts and credit inquires Remove any charges on the unauthorized account, and Take steps to remove closed account information about this account from my credit files I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used fraudulently. I did not open or authorize these accounts and inquiries, and I request that it be closed immediately. I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop  reporting this information to XXXX, Transunion and XXXX  as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible.

I also have enclosed a copy of the F.T.C 's Identity Theft Affidavit, which explains your responsibilities when reporting information to XXXX, Transunion and XXXX. Please stop reporting this fraudulent information and delete these items attached to my complaint as soon as possible. If you do not otherwise block my consumer information on my credit reports I will be left with no choice but to file a lawsuit that you volatile the F.C.R.A 605B law and how Its affecting my ability to work and buy a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

REPORT # XXXX I've requested your help and removing some fraudulent accounts this is not the first time that I've asked you to help me Experian is the only credit reporting agency that lease account still show up on but instead of helping you send me a letter saying you want recent copies of official reports filed with appropriate agencies you understand there is no recent reports the identity theft happened 6 almost 7 years ago and I'll be honest Experian is well aware of the problem this is not the first time I've contacted you for your assistance but you continue to give me the runaround I have sent this information to you many many years ago there is nothing recent there shouldn't need to be anything recent I want a supervisor to take over I don't want the fraudulent accounts and all the other inaccuracies to be removed from my credit report I don't understand if all the rest of the credit reporting agencies did this years ago why Experian is having such a hard time with it I gave them all the exact same information and they were able to fix my credit report but Experian for some reason doesn't seem to be able to do the same thing that XXXX XXXX places like that I can do without any issues why is that? In addition to the police report you're asking for copies of my ID which I have already sent you in the past I have not moved I've lived at the same address for almost 10 years at this point do you already have all my information sending copies of everything in the mail is only putting me at risk for more problems that you clearly aren't going to fix
Product: Credit card

Got an offer from Barclays bluegreen credit card that if I paid my dues and fees with this card that Id get a {$50.00} credit statement in 6-8 after completing requirements I completed these requirements on XX/XX/year> XXXX weeks was XX/XX/XXXX and still no statement credit. 
I called 5-6 times in XXXX about this and they said you have to wait 6-8 more weeks? 
Why the terms say XXXX not XXXX weeks and still no credit on my account This is taking way to long and it violates the agreement
Product: Credit reporting or other personal consumer reports

The account balance reported by the credit bureaus for my XXXX XXXX account contains discrepancies : Equifax : {$500.00} XXXX : {$0.00} XXXX : {$760.00} This inconsistent reporting violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), which mandates that credit reporting agencies ensure the maximum possible accuracy of the information reported.