23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My husband and I refinanced our home through XXXX XXXX. Funding occurred on XX/XX/XXXX. Funds were wired to XXXX ( 1st mortgage ) and XXXX XXXX XXXX XXXX ( 2nd mortgage ) on XX/XX/XXXX. 

Despite the fact that I provided XXXX XXXX a copy of the letter that my loan with XXXX was being service transferred to Fay Servicing on XX/XX/XXXX, the funds to satisfy the loan were sent to XXXX  on XX/XX/XXXX. As of today, Fay Servicing has not received the funds and show the loan due for XX/XX/XXXX. 

I have been going back and forth with both lenders since XX/XX/XXXX with no resolution ( XXXX calls on XX/XX/XXXX spoke with XXXX, XX/XX/XXXX spoke with XXXX, XX/XX/XXXX spoke with XXXX, who didn't even know her own phone number and also said she had escalated the call and that I should receive a call back in 2 hours. It has been 2 1/2 days ) ( Fay calls  XX/XX/XXXX XXXX, XX/XX/XXXX didn't write down the man 's name that I spoke with but he was RUDE, MEAN, VERBALLY ABUSIVE and hung up the phone on me, XX/XX/XXXX XXXX who wasn't much nicer but at least he didn't hangup on me, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX XXXX ). I have tried everything possible to get this situation resolved with numerous phone calls and hours on the phone. In fact the people at Fay have been VERY VERY MEAN to me. Both companies have caused me tears, anger and frustration Despite having proof of the wire that was sent to my previous lender XXXX, I have nothing that says the money was forwarded to Fay despite the fact that XXXX claims they mailed me a letter stating the same on XX/XX/XXXX. 

I have been verbally abused, brought tears, told that the matter has been escalated, promised calls and emails and here I sit filing a complaint because my loan still shows unpaid and due for XX/XX/XXXX. 

I need to know where my money is. Someone has it but absolutely no one wants to help me find it. And so help me XXXX, if my credit is ruined because of this, I will sue all three companies involved for negligence. 

I am already considering legal action for the pain and suffering that this whole situation has caused me. How can these companies remain in business when they treat their customers like this??? 

XXXX ( loan # XXXX ) and Fay Servicing ( loan # XXXX ) Please help me find my money. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX
Product: Credit reporting or other personal consumer reports

I requested Experian to verify the accounts on my credit report since they have the wrong information of my identity via SSN, also copies of verification and proof of any contracts allegedly I have with third party debt collectors, and copies of contracts, and certified copies of any liens, credit transactions, or debt of any kind have been associated with the consumer. I sent two requests : XXXX through USPS on XXXX XXXX through certified mail with a XXXX form, it was delivered and return, and another on XX/XX/XXXX through certified mail.
Product: Credit reporting or other personal consumer reports

I am reaching out as a follow-up to my previous complaint dated XX/XX/XXXX. According to FCRA Section 605B, Credit Reporting Agencies are mandated to remove any items reported under an identity theft case, as per reference number XXXX. Enclosed, you will find the necessary documents to facilitate the removal of the erroneous personal information and unauthorized inquiries that have been incorrectly added to my credit report. The unauthorized items are listed below : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. As specified in FCRA Section 605B ( a ), Credit Reporting Agencies are required to delete any information from a consumer 's file identified as resulting from identity theft within four business days of receiving the request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have carefully reviewed my credit report in Transunion. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that this account be corrected immediately or I will file for litigation. 


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

I am writing to formally request the blocking and deletion of certain accounts and inquiries on my credit report that were opened or reported as a result of identity theft related to a data breach. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have such fraudulent accounts removed from my credit file.

Please block and delete the following accounts due to their fraudulent nature : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XXXX   XXXX ,    2017  I disputed  XXXX   XXXX  that its inaccurately being reported on my credit report stating that I owe {$2400.00}. This account is still showing up as pending an investigation which is well over the 30 days per FRCA law. I do not owe this company any monies nor have I ever been late on a payment. I am requesting this account be removed from my report immediately or I will file a compliant with the Better Business Bureau. Attached is proof that I owe  XXXX  dollars given to me from  XXXX   XXXX  and a copy of the contract stating that I had the right to terminate the lease early.
Product: Credit reporting, credit repair services, or other personal consumer reports

1.In accordance with Faircredit Reporting Act, XXXX Bankaccount # XXXX. 
XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX ACCT # XXXX, XXXX ACCT # XXXX, XXXX  ACCT # XXXX, XXXX XXXX ACCT # XXXX, XXXX  XXXX ACCT # XXXX HAS VIOLATED MY RIGHTS. 

15 U.S.C 1681 SECTION 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.
Product: Debt collection

Jefferson Capital System, Address, XXXX XXXX XXXX , XXXX XXXX, MN XXXX has been sending me collection notices in the about amount of {$4000.00}. XXXX XXXX, aaddress, XXXX  XXXX XXXX XXXX, XXXX, TX XXXX ( {$250.00} ). XXXX XXXX, address XXXX XXXX, XXXX TX, XXXX, ( {$710.00} ). The amount of theses collection has been reported past due. I do not know these companies. These companies do not have my signature.
Product: Debt collection

XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX XXXX, XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious AFNI, INC. XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX
Product: Student loan

On XX/XX/2023 I contacted Mohela to ask about my account balance, SAVE plan, and loan repayment. I was informed that my account was in the process of being updated and that no payments would be due for the months of XXXX through XXXX. I had already made my XXXX payment and inquired about a refund. The representative said I was absolutely entitled to a refund and placed a request ( Request # XXXX ). 

I called today and asked about the status of my refund. I was informed the request was canceled because the refund would make my account delinquent and that no refunds were allowed to be given from payments made before my loans were consolidated. I requested to speak with a supervisor to assist with the situation and was placed on hold for 2 hours. I gave up holding when business hours ended as I assumed my call would not be resumed after the office was closed. 

The consolidation was applied for in XXXX and wasn't completed until XXXX. Their delay in processing was the reason the payment was made before loan consolidation. Additionally, I did not receive notice of my account being in forbearance until after the payment was made. If I was informed of my account status I would not have made the payment.
Product: Credit card or prepaid card

I contacted Bank of America edd prepaid card filed a dispute claim the dispute claim was honored and a permanent credit of XXXX something was applied to the card In the card was frozen for no explanation whatsoever I have contacted them multiple times as well as walked into the bank with 2 forms of identification and nothing They're now advising me to contact my sponsor but it has nothing to do with the sponsor it is Bank of America there is a federal lawsuit put against Bank of America there is a federal lawsuit put against Bank of America not to block or freeze cards which they have done to me I as well have not Received my card in the mail so there is a XXXX something dollar balance sitting on the account but I have no access to it or a debit card
Product: Credit reporting or other personal consumer reports

I've been going back and fourth with TransUnion to get these negative items that are not mines off my credit file. I requested validation multiple times by FCRA and these disputes have gone well beyond validation time frame. Every time I call, they make a reason for why they cant access my credit file and do anything, that they working on it, and to keep waiting. I called today and it ended with the same excuse that they cant access my file. The rep said there was a problem that they had the wrong social security number on file on top of all the problems we already are facing. The rep said they going to call me which they never do. I paid credit repair agent for dispute letters for the inquiries and collections, I disputed through XXXX XXXX and directly through TransUnion dispute portal all for it to be months later with no updates, no responses, and no results.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX IS REPORTING I HAVE A $ XXXX DEBT FROM XXXX XXXX TO THEM AND I DO NOT HAVE ANY BUSINESS WITH THEM. 

XXXX IS REPORTING A COLLECTION ACCOUNT FOR {$50.00} AND I DO NOT HAVE ANY BUSINESS WITH THEM AS WELL
Product: Credit reporting or other personal consumer reports

I am desperately in need of vacating my apartment within XXXX months when my lease is up. Therefore, I need to initiate this complaint to investigate why XXXX, XXXX, and Transunion refuse to take reasonable measures in conducting their OWN investigations when this consumer disputes inaccurate and unfair reporting of data on my credit report. I have submitted several copies of my credit reports from the past and current. Upon your review, you will see the above-mentioned credit agencies, ALL have allowed CLOSED accounts to report false RECENT LATE PAYMENTS ( Please note that I have not been late on any account in nearly XXXX  years ). CRAs allow the creditor to continue to update my accounts with MISLEADING information. Such as, in XX/XX/XXXX, the CRA 's allowed XXXX XXXX  to FALSELY UPDATE A CLOSED ACCOUNT AS BEING REPORTED OVER THE LIMIT. ( Please note, that XXXX XXXX  initially reported on this closed account back in XXXX ). False manipulations of my utilization. 
Please note that upon calling these agencies, each informed me that they DO NOT conduct investigations they go by what the Creditor reports. Therefore, these actions committed by the CRA 's by not conducting their own reasonable measures in investigating how the accounts are being reported is a direct cause of me being denied an opportunity to get approved for housing. Please note that each time I dispute, my credit score drops between XXXX XXXX points. This is a retaliatory practice to deter consumers not to continuing to dispute inaccuracies because it blocks my right to rebuild my credit.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX my wallet was stolen, since then I have had XXXX hard inquiries on my credit report, for various credit cards that I have not applied for, please help
Product: Checking or savings account

I issued a check for {$920.00} on XX/XX/year> that was cashed by a party other than the one it was made out to. The party that cashed the check is/ was a customer of Wells Fargo. The party to whom the check was addressed is also a customer of Wells Fargo so I asked them to research whether the check had been routed incorrectly within their company. Their investigation concluded that they had not received it. By the time this process was completed, it was early XXXX of 2023. I filed a claim with my bank and they initiated contact with Wells Fargo. In XXXX of this year my bank notified me that they had not received any response from Wells Fargo, so I initiated an inquiry with a local Wells Fargo branch. I received a call from a Wells Fargo employee requesting the details of the issue. Subsequent attempts to contact this individual for a status report went to voice mail and no return call was received. In XXXX I made another attempt to work through Wells Fargo 's local branch and was directed to the non-customer advocacy group. My call was re-directed twice until I was connected with an individual that informed me that they couldn't provide information about their customer. I understood this and was only hoping that they would contact their customer about the matter. The Wells Fargo representative 's attitude became dismissive, and her final comment was that it was most likely my banks fault that this occurred. 

I have XXXX complaints. 

First, neither my bank nor I have any evidence that Wells Fargo made any attempt to deal with issue. 

Second, Wells Fargo 's non customer advocacy group appears to be a facade for a department that doesn't really advocate for non customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

All XXXX loans where placed in my bankruptcy 2017 due to a hardship. XXXX keep reporting to XXXX and Equifax every month that I owe them when the accounts was closed at the Chapter XXXX bankruptcy hearing 2017. 
XXXX and Equifax removes all the account after I submit the claim to yall, but only to replace the XXXX accounts back onto my credit report this month. 
XXXX has not responded in a timely manner to my complaint with yall submitted last month or to me speaking with them over a year ago. 
Why are the reporting I owes them money and the interest keep lower my credit score to the point it damaged my credit. Now I get find no apartment or place to live in my name. What is the reason they aren't following the LAW. 
Every month I dispute the XXXX accounts only to have them removed temporarily. Then XXXX reports what the want to about my accounts that false information to XXXX and Equifax and they go and replace the inaccurate information on my Credit account at both Bureaus over and over again. Please have XXXX Stop reporting inaccurate information about my accounts which are closed. 
Thank you.
Product: Credit reporting or other personal consumer reports

National credit systems is reporting on my credit that I owe a balance of over {$7000.00} from an apartment complex XXXX  years ago. Ive gotten into contact with the apartment and they made a mistake. They told me I do not owe any money and my account has a {$0.00} balance. They sent me an updated invoice of {$0.00} owed as of XXXX XXXX. Ive tried disputing this account with the documents provided and have gotten no where.
Product: Debt collection

I am writing to express my deep dissatisfaction with your decision to decline my identity theft claim. It is essential to clarify that your organization lacks the authority or legal position to determine whether I have been a victim of identity theft. Only I, the individual directly affected, can ascertain this fact. 

The following accounts are NOT MINE XXXX XXXX XXXX XXXX FRAUD, PLEASE DELATE!!!!! 

Your refusal to acknowledge my identity theft claim compels me to take this matter very seriously. Should you persist in declining my position, I will not hesitate to consult with my attorney to pursue all available legal remedies to rectify this situation. I trust that it is in both of our interests to avoid such an unnecessary legal course of action. I reject your offer & advise you to process my dispute per FCRA laws. Otherwise we will be seeking a legal remedy in this matter.
Product: Bank account or service

My checking accounts at Trustmark Bank have been compromised. A great deal of money has been stolen from each account. There are multiple debit card transactions that are inconsistent. There are also internet banking accounts that I did not authorize. I never use internet banking. In addition, I strongly believe there are several debit cards that were issued to others without my authorization. I am a victim of Identity Theft. I have a claim/case with the FTC.
Product: Credit card or prepaid card

My 2023 Credit Card Reward Certificate in the amount of {$390.00} became available XX/XX/2023. As the amount was above {$300.00} I was given the option to direct deposit this amount to one of my checking accounts. XX/XX/2023 I elected the direct deposit option but was given an error message. The system incorrectly shows that my certificate was redeemed XXXXThe funds to date have not been deposit into my account. I have called 8+ times and spoken to multiple people to try a remedy the situation with Citibank however each person I speak to says that there is a known issue and that it should be deposit in my account 3-5 business days. As I have gotten this answer multiple times and the funds have not been deposited in my account to date I requested that I be allowed to redeem my certificate at Costco Wearhouses directly as it is the other option. Citibank has refused this option as well.
Product: Money transfer, virtual currency, or money service

My husband and I are both minorities and have been loyal customers to TD bank for a number of years. The branch on XXXX XXXX and XXXX in XXXX, PA has always shown some form of discrimination against us whenever we use the drive through services. On every single encounter, we are not served in the order we arrive, we are always asked for extra verification and information that isnt required of neighboring clients that arrive after us ( that happen to be XXXX ), and our wait time is always between 15-20mins for simple transactions. We never have issues at any of the other branches we go to. This branch needs to seriously reevaluate its employees and review its discrimination policies, especially to those who work the drive through area.
Product: Debt collection

I have some unauthorized credit inquiries on my credit report. I noticed that there are inquires listed that I didn't authorize or initiate The unauthorized inquiries are as follows ALLY FINANCIAL-XX/XX/2023 ALLY FINANCIAL-XX/XX/2023 ALLY FINANCIAL-XX/XX/2023 XXXX XXXX XXXXXX/XX/2023 XXXX XXXX XXXXXX/XX/2023 XXXX XXXX XXXXXX/XX/2023 XXXX XXXX XXXX-XX/XX/2023 XXXX XXXX XXXX-XX/XX/2023 XXXX XXXX XXXX-XX/XX/2023 I have also filed a FTC Report regrading this issue ( also uploaded )
Product: Debt collection

I explained that I couldnt pay my rent to the original debtor during Covid and they did not care and I also advised them that I applied for rental assistance at the time when XXXX was in effect and they refuse to cooperate with New Jersey laws and sent this account to collection in attempt to ruin my life and credit profile and potential to rent other properties..I was wait listed for rental assistance and they threaten to evict me after I couldnt pay and I have attached evidence
Product: Credit card or prepaid card

I got an  American Express - Bl ue for Business Card, ( it was Interest free for the Ist year )  XX/XX/XXXX , The first payment was not due til  XX/XX/XXXX . I went into hospital w/   XXXX   XXXX   XXXX   XXXX  , I called when I got out and told them I would pay, Obama law says I have 21 days to pay. I did then later pay. {$36.00}. with in limit. then later they stared charging me interest and it got worse. I did not get statements after  XX/XX/XXXX . Then I g ot one statement and they were charging me 75 % interest out of {$100.00}.  Almost everything was going for interest and nothing to the principal. After  XX/XX/XXXX  I made payments total a bout 1000.00 dolla rs and almost everything went to the interest.   I did not get a couple of statements. I called the up at end of  XX/XX/XXXX . I told them I am not in penalty. never. I always paid on time or called. Some one it sealing there money or scraping the  pot. ( so  to speak, Because all that money I paid has gone to interest and not the principal. I did spend a little on the card but I Paid over {$100.00} every time or more.   They never sent me statements I have few, but they are lying and fudging numbers.   I never got anymore statements. I paid twice this last month, {$100.00}. I paid card to get it out of hock. Then they only credited me Like {$72.00} -- This is not rig ht,    XXXX   XXXX   XXXX   XXXX   I have bank statements to prove payments.  XXXX   XXXX