23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

In XXXX of XXXX I bought a car. After purchasing, I received an email from XXXX  that my credit score was very low in XX/XX/XXXX. I looked at my credit report and saw a credit card that was past due from XXXX XXXX XXXX that was not my credit card/account. I never opened this card/account, did not know this card/account existed, and never have received any info on this card or account. I immediately took action with XXXX XXXX XXXX and my local police for identity theft and to have the account removed from my credit report. In XXXX of XXXX opportun approved that the account was identity theft and I was not responsible for it and it should be removed from my credit report. I am still fighting for it to be removed from XXXX  and transunion even though every time I contact XXXX  they say that since XX/XX/XXXX they have said its not mine and should have been removed. I have XXXX letters from XXXX  stating this too. It has been removed from XXXX. I believe my information was stolen during a data breach at XXXXXXXX XXXX XXXX XXXX  of XXXX. Please remove this account from my credit report at transunion and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters in XXXX, XX/XX/XXXX XXXX XXXX asking them to verify these bankruptcy accounts, they have sent letters saying the bankruptcies were verified by XXXX XXXX which is false because XXXX XXXX do not have these bankruptcies list on my report. I provided letters from XXXX stating these were removed in XXXX of XXXX because they could not verify that these belonged to me. XXXX, transunion and XXXX are continuing to report false information on my report which is hindering me from buying a home and getting the credit I need to better my life. I have sent in letter from the courthouse several times stating the information is indeed not being verified by them.. A rep from transunion even told me I need a lawyer to sign the letter from the courthouse! XXXX have disputed the information in my behalf from the credit bureaus telling them they are not reporting this information but yet all the CBA are falling saying XXXX are verifying these accounts. Ive called several times and asked them to remove them from my report and the lie and say they are being verified, even after they see the letters I sent! I want these bankruptcies removed from my credit report.
Product: Debt collection

I paid for deletion of my XXXX  XXXX credit card through midland credit management and it is still showing on my credit report.
Product: Debt collection

A new collection account has appeared on my credit from Midwest Recovery Systems. The original credit listed is XXXX XXXX XXXX. I have never received any type of money or monetary benefit from XXXX XXXX XXXX, i don't know the original creditor, have never tried to obtain anything from the original creditor, never had any funds from them. I have recently been a victim of identity theft when my wallet was stolen about a year ago. I want these cowards to take this XXXX off of my credit report because its not mine.
Product: Credit reporting or other personal consumer reports

I sent a letter to you on XX/XX/2023. Its been more XXXXhan30 days since I contacted you, and still have not heard back from you. 

So, in accordance with the fair credit reporting act XXXX accounts that is listed in the letter, 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 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

Ive disputed my credit card reporting high limits Ive ask these companies to discharge my debit or cease and desist from reporting my credit cards high debt and XXXX  XXXX when I use my credit card it must be discharged as a united state obligation or cease and desists from reporting to the credit bureaus
Product: Prepaid card

XXXX/XXXX/15 purchased an American Express Bluebird debit card at XXXX, XXXX CA loaded it $ XXXX called to cancel card, requested a XXXX card was finally processed and mailed ( that is what I as told ) XXXX contacted XXXX several times to find out where my check for r efund was. 
I suggested that the financial institute who issued the check be notified and get status from them. 
Called back XXXX/XXXX/15 check was returned ( they had sent to my physical address, I live in rural area we pick up mail at XXXX XXXX XXXX 
XXXX refused to understand this. Spoke to XXXX who assured me they would sent to my XXXX due to the situation. She told me the check should go out within the new few days. I waited until XXXX/XXXX/15 sill no check, was XXXX around, left on hold for over 1 hr or more. Found out that the XXXX check mailed out as XXXX again mailed to my physical address. Why would you remail to an address that was not acceptable AGAIN, even after assuring me it would not be. I even offered another solution but was turned down. This is unacceptable, it was negligence, fraud, false advertising, deceit. The insert clearly states 10days to receive a refund. I am expected to wait another month? I have suffered XXXX stress due to incompetence of this company. I experienced financial loss, and personal loss as well.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX Balance Owed : {$1700.00} XXXX  XXXX Balance Owed : {$4100.00} XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$1300.00} XXXX XXXX Balance Owed : {$1300.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX, NJ XXXX XXXX XXXX Balance Owed : {$1700.00} XXXX  XXXX Balance Owed : {$4100.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$1300.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX Balance Owed : {$1700.00} XXXX  XXXX Balance Owed : {$4100.00} XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$1300.00} XXXX  XXXX XXXX Balance Owed : {$3500.00} XXXX XXXX XXXX  XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I received {$330.00} payment from a friend and the account received it perfectly fine but then XXXX seconds later when I tried to withdraw it to my bank all of a sudden my account was flagged and they told me I have to wait five days for them to review my information to verify my identity, even though Ive proven my identity to them XXXX times in the past two days And they change their reasoning to. I somehow broke their terms of service even though its only a XXXX day old account at the time that it was frozen theyre doing this to a lot of people and theyre screwing me over majorly because I needed that money desperately days ago.
Product: Debt collection

XXXX XXXX was told needed to pay monthly payments on my mothers loan who passed in XXXX at the age of XXXX. They had her sign a 20 year contract. Thinking she would live another 20 years! They have threatened legal action. I asked for the contract that was signed. It was all in XXXX. They wont give me a translation one in English. My mother cant read in XXXX.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

Diversified Consultants , Inc via XXXX. Amount {$290.00} This Debt of {$850.00} was settled on XXXX XXXX, XXXX in the amount of {$550.00} PAID IN FULL per ( XXXX ), Supervisor for Diversified Consultants , Inc XXXX and that the account was closed. 

I received a bill of {$290.00} with an account opened by XXXX XXXX XXXX on XXXX XXXX, XXXX which I did not authorize and is now showing on my credit report. I have made XXXX XXXX } phone calls back and forth to XXXX XXXX XXXX and Diversified telling me that this account was settled on XXXX XXXX, XXXX. The last call happening on XXXX from Diversified XXXX XXXX XXXX XXXX stating that an email would be sent from XXXX XXXX XXXX supervisor to my address on Monday XXXX confirming settlement. I never received this email. 

I have documentation that supports my account was settled/paid in full via XXXX XXXX XXXX on XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, XXXX XXXX XXXX, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer reporting 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 7 years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX  XXXX Balance : {$12000.00} XXXX XXXX  XXXX Balance : {$3200.00} XXXX XXXX XXXX XXXX Balance : {$9500.00} XXXX XXXX XXXX XXXX XXXX Balance : {$3200.00} XXXX XXXX XXXX XXXX Balance : {$9500.00} XXXX XXXX XXXX XXXX Balance : {$860.00} XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX  XXXX Balance : {$3200.00} XXXX  XXXX XXXX Balance : {$9500.00} XXXX XXXX  XXXX Balance : {$860.00}
Product: Checking or savings account

Summary of the Complaint : PurePoint Financial, a division of MUFG Union Bank, N.A., effectively blocks my mother and I from accessing our CD account that we have with them, by closing their branch offices and locking and refusing to unlock full online access to the account. 

Complaint Details : In XXXX of XXXX, my mother and I opened a CD account at PurePoint Financial a division of MUFG Union Bank, N.A. 

The CD account was opened in the name of a trust, where we both are co-trustees with equal rights to the trust 's assets and related documentation. 

At the time the CD account was opened there was a PurePoint branch office in XXXX, FL, where we actually opened and funded the account. The bank representative also assisted us in setting up an online user access ID and profile to the CD account. Sometime before the maturity of the CD account in XXXX of XXXX, I tried to access the account to setup an external liked account in case we decide to not renew the CD and had some questions about how to do it. I called PurePoint Customer Service and identified myself to the representative, who told me that I could not use the online access profile, which was associated with my mother 's name, and immediately locked that only online access profile we had at the time, and also insisted that I need to setup my own online access ID and profile which I did. The representative also told me that they would be able to unlock my mother 's account access profile when they talk to her but that was not possible at the time, as she was recovering from XXXX XXXX  at a rehabilitation facility and also was having XXXX XXXX. 

A few days ago, my mother and I decided to not renew the CD when it matures in XXXX of this year, so we called PurePoint Financial again ( both of us on the phone at the same time ) spending over 3 hours on the phone with numerous people, at different departments, with no resolution of the issue. They continue to refuse to unlock my mother 's profile, despite the fact that they talked to her and she answered all of their questions concerning her identity and her desire to have her profile unlocked. Additionally, my profile, that they told me to setup, is limited in what I can do on the account. For example, I can not see any tax-related information. 

One other thing, a representative at the bank suggested that they could help us move the money to another bank, if we're not happy with the arrangement with them, but we would have to pay a penalty for doing that. My mother and I are not interested in doing that we want to be able to move our money without any penalties, when the CD matures. 

My mother is XXXX and is very traumatized by what's happening with her life savings. Note that on the advice of an OCC representative we contacted and left several messages at the Office of the Bank President in hope that this simple issue can get resolved quickly, but never heard from them.
Product: Mortgage

My mother and father ( XXXX veteran ) refinanced their home mortgage around XX/XX/XXXX with a lending company called Freedom Mortgage. Initially, their monthly payment was low, but after 5 months the lending company did an escrow analysis and increased their monthly payment by around {$1000.00} / month. This drastic increase created financial hardship for my parents ; consequently, my dad reached out to Freedom Mortgage to inquire about how to bring down his monthly payment again, and they recommended another refinance. They estimated the refinance with a lower interest rate, but again they incorrectly calculated the escrow amount using incorrect tax information ( their estimate is too low ). The incorrect tax information is included in the attached Closing Disclosure which I received on XX/XX/XXXX from my father. 

After detecting the error, I proceeded to email Freedom Mortgage to revise the Closing Disclosure to reflect the accurate numbers. This is important because it creates a realistic estimate of what the monthly payment ( P & I + escrow ) to Freedom Mortgage would be. To be very clear, the inaccurate Closing Disclosure from Freedom Mortgage shows a monthly payment that is about {$900.00} LESS than what it should be if the escrow payments are correct. That is, the same issue will occur in a few months when Freedom Mortgage recalculates the escrow balance, and significantly increases the monthly payment to cover the shortfall in escrow. 

In spite of supplying accurate tax document information so that Freedom Mortgage could correct the Closing Disclosure, Freedom Mortgage REFUSED to change it until " a closing was scheduled '' and closing could be cancelled if need be after that point. This is an unacceptable approach and ultimately results in a type of bait and switch. A borrower is less likely to step away from a closing that is already scheduled than to not even schedule one if the terms are not favorable. My parents have withdrawn their loan application to Freedom Mortgage and are seeking relief elsewhere. 

Freedom Mortgage is suspected of knowingly luring borrowers into more and more refinances with initially low monthly payments, thereby increasing their loan revenue ( notice how the refinance costs and prior unpaid escrow balance are rolled into the new loan ), and then substantially increasing their escrow balances at a time when Freedom Mortgage must recoup the funds to cover the escrow deficits.
Product: Debt collection

They called from this number XXXX on XX/XX/2018 XXXX XXXX and XX/XX/2018 at XXXXXXXX XXXX. Its a recorded message left for a XXXX sounds like XXXX or XXXX to call Loan Depot. I called them to tell them they have the wrong number to stop calling. They informed me sorry but unless I have the loan number or SSN number nothing they can do. I said, How would I have that information? Its not my debt. Sorry. I said ok. I will just report you to the FTC or harassment and hung up. The return telephone number on the recording is XXXX
Product: Mortgage

PNC Bank is currently reporting me as 30 days late in XXXX when they gave me a deferment and I thought I was protected under the CARES Act to prevent any late payments being reported on my account.
Product: Mortgage

In 2017 myself and the borrower was effected by hurricane Irma and requested a forbearance and was immediately approved and advised once the forbearance was done one of two things would happen we would be asked to do repayment or a modification. Coming towards the end of the our forbearance we were given an opportunity to go through a loan modification all we needed to do was submit documents such as pay stubs, bank statement and a hardship letter which we did.After many months of resending and submitting the same documents and no response from loan care we were finally was denied for our modification and was told that it was due to lack of income and an increase in payments. Confused by this we asked them to go into further detail and each time we spoke to someone we were told something different. We finally reached out to the attorney general and recieved an honest response stating our denial was also because we never submitted a document stating there was no damage to the home. Although we spoke to several agents no one ever mentioned this very neccessary document that was needed. We were offered a second chance to resubmit all the same documents again which we did and still to this day have not received our modification. The lack of payment has been placed on credit report as well we have received a letter stating we owe all those months of missed payments. Before we even reached so far down the rabbit hole myself and the borrower have asked numerous time can we start making payments in good faith because we did not want to owe a substantial amount if things did not get approved and was advised against it. Our goal is to get or mortgage reinstated and to continue our payment and avoid foreclosure.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account name : Account # : 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  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 instruction 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Equifax XX/XX/21 at XXXX to inform them that they've been violating my XXXX rights under the FDCPA! I was transferred to Supervisor XXXX in the Dispute department. I told XXXX that Equifax is in violation of 15 USC 1681b ( c ) 2. I demanded they remove the adverse items on the report/file. XXXX refused my demand as an consumer and even denied me an opportunity to address my concerns to another acting manager! I recorded this conversation! I sent the CEO a letter about this fraud, it was sent certified mail XX/XX/21. This XXXX feels hopeless as a consumer with these forces working against me. Whether it maybe by mail or on the phone, Im being violated according to FDCPA and seek ALL protections provided to a consumer by law.Please allow me to share the audio of the conversation and publish it as well. May God bless all those that may read this affidavit.
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the XXXXCredit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

the balance on this account was paid Upto {$0.00} in XX/XX/2022 this account is Being reported as a collection in ( XXXX ) of 2022 this is incorrect I do not approve of this fraudulent information to appear on my Experian credit report and I am demanding immediate Hange of this reporting Month as of XX/XX/2022 Experian has violated my consumer rights 15 usc 1681 section 602 states i have a right to privacy 15 usc section 604 a section 2 : it also states a consumer reporting agency can not furnish my account without written instruction
Product: Credit reporting

Equifax has failed to properly verify information I have disputed multiple times on my credit report and continue to report inaccurate derogatory information. On XXXX XXXX, XXXX, I submitted an online dispute of inquiries I had not authorized. The following is the response I received from Equifax dated the same date of XXXX XXXX, XXXX : " Inquiries are a factual record of file access. '' I requested specifically in a follow up letter that Equifax send me proof that the inquiries are reporting accurately. Equifax has refused to verify that the inquiries are reporting correctly. Their quick vague response speaks volumes. 
The following are the inquiries that were disputed online and sent certified mail : Information Searching Co XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX XXXX XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX.
Product: Credit reporting or other personal consumer reports

I submitted a dispute regarding inaccurate late payments on my report and equifax has not corrected this error, even after requesting information/documents to verify it.