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

The items listed below are reported on my personal credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( XXXX ) are not complying with federal law in regard to identity theft. Additionally, the XXXXredit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
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: Checking or savings account

XXXX re opening back up a CFPB complaint against Conduent and or WAY2GO. They should know that if this issue isnt resolved of the confines of CFPB then I will move along to making a complaint with the XXXX which is the XXXX XXXX XXXX XXXX XXXX XXXX XXXXy which is a lot more man power and if that doesnt work then conduent can expect a letter of representation from my attorney and I will make this a legal matter. 

This complaint is first in regards to a dispute I had for {$1000.00} for XXXX in which last time I did this dispute I got a call from conduent XXXX XXXX  in which that XXXX promised to send me some documents that will specifically state in clear terms that XXXX must handle this issue which they did not and just sent me a denial letter. As well after the fact I told them multiple times XXXX said its out of their hand since they refunded the money and my bank WAY2GO conduent must reimburse those funds. 


The other complaint I have is with a unauthorized charge on my account for XXXX. SR- XXXX Is the one they denied. The first time they denied it they did XXXX have reasons behind it but per speaking with their XXXX  department the rep said that it could be due to conflicting information and Im like how is their conflicting information? Like I filed this the same day same time as SR- XXXX. 

So I know they escalated everything back up in which the case was approved and re opened but then next day it was denied because of the time frame and I had to find that out by calling in. 

So this time they said to write down reasons why I couldnt file in a timely manner and I did which I mentioned about my mother I had to take care of who has XXXX XXXX and as well I did dispute it in a timely manner before but their incompetent reps always say they do but they dont file it and you sit around for days to weeks to months thinking it was filed until you find out it wasnt and now your time ranned out. Yet they dont take responsibility. 


So I had many great reasons. So of course they want to say they didnt receive it so I said okay Im done going back and forth so now where here. 


As well for SR- XXXX the case i did win I asked for evidence used to make decisions and they sent me a SR information sheet with transaction history and an approval letter. like what they heck. 

As well explain to me how SR- XXXX had the same merchant Serve as SR- XXXX how does XXXX get denied? Make it make sense and they come back with different excuses. Like if it was a time problem you guys would have denied XXXX and XXXX. 

Like make it make sense. You cant approve one and deny the other especially when it has the same merchant. 


On top of that WAY2go is really faulty inn services. You never know when money is being taken off your account. They dont notify of the status of your cases. As well you request a call from a supervisor multiple times and you never get a call back but yet they move when you open complaints cause they know the people that regulate them dont play when it comes to a consumer side.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  tasted RMP services in XXXX of XXXX XXXX XXXX paid off my full a out I owed them, there were XXXX things equaling around {$600.00}. During the XXXX versatile I specifically asked the woman when and if it would be deleted from my credit report and she stated it would be within XXXX weeks. Upon going to get a house loan they were still on there ( a year later ), I called RMP services and they stated there was no documentation of her saying that so they won't remove it. I disputed them on my credit report and one was taken off but not the other. I was advised by my credit repair guy to contact you guys since she had specifically stated they would be removed and now they are refusing to do it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Equifax to remove this Charge-off Account that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) Equifax are required to remove any accounts or information not later than 4 business days after the date of receipt. Please remove this account immediately : XXXX XXXX XXXX XXXX Balance : {$590.00}
Product: Mortgage

My house was hit by a tornado during Hurricane Milton. I received insurance funds in the amount of {$45000.00} and {$29000.00}. Because I have a mortgage with NewRez, the insurance company had them as an additional payee on the checks. NewRez via their Loss Draft Department instructed me to send them the checks endorsed along with several documents which I overnighted to them on XXXX XXXX XXXX  They received the package on XXXX XXXX XXXX and deposited my insurance checks into an escrow account on XXXX XXXX XXXX  Pursuant to NewRez 's packet, I was to receive my first disbursement of {$40000.00} within XXXX days of receipt of the packet and endorsed checks. To this day I have no received XXXX cent of my insurance funds from NewRez. XXXX of the major repairs that I need done is a roof replacement. My roofer is now moving me from a XXXX install date to a XXXX install date because I can't tell him when I will be able to give him the deposit for the job because NewRez has not released my funds. Initially, the excuse was the checks haven't cleared. I confirmed yesterday with my insurance company that the checks have long since cleared and today when I called today I spoke with a supervisor that told me they have a " glitch '' in their system which is preventing them from releasing the funds and this " glitch '' has been going on for over a week now. There is also no time frame as to when the " glitch '' will be fixed on their end. I am sure I am not the only person this is happening to with them. Not only is this taking a lot of time away from work for me to have to call and write letters to NewRez, this delay is causing me not to be able to complete the repairs on my home and at this point NewRez is illegally holding my insurance funds with no disbursement date in sight.
Product: Money transfer, virtual currency, or money service

I submit a market sell order on ROBINHOOD for XXXX XXXX coins on XX/XX/XXXX at XXXX and the order did not execute until XX/XX/XXXX at XXXX XXXX. One minute after I placed the order, I submitted a cancellation request for the sell order. I never received an email for the cancellation, nor for a confirmation of the original sell order. The cancellation never processed even though it went through on the Robinhood XXXX and my shares were sold at a significant loss. I emailed them and they said they would get back to me, this was on the XXXX. No reply since. I feel robbed.
Product: Credit reporting or other personal consumer reports

In XXXX of XXXX, my ex-husband and XXXX XXXX XXXX requested that I be removed from the deed to the home so he could qualify for the mortgage on his own after being awarded it in our divorce. I happily complied and was not privy to the new loan terms because my credit and income were not used to qualify. They changed the mortgage terms without my consent, wrote " N/A '' on the new note 's signature line for me, yet continue to report to credit to this day. It is illegal for a creditor to report a liability to one 's credit if their signature is absent and they have not agreed to new terms. I have since gained access to a copy of this new Note, which they do not admit exists when disputed with the credit reporting agencies. A contract can NOT be modified without all parties ' consent, and I would have NEVER agreed to the recitals, an increase of {$100000.00}, a deferment of {$240000.00}, or this balloon mortgage with a 50-year term.

This reporting has caused significant credit score damage over the last ten years because of the high credit limit of XXXX ( original balance ) versus the now XXXX balance, late payments on my ex-husband 's mortgage, and, most recently, his preforeclosure proceeding. 

After XXXX serviced the loan in XXXX, it went to XXXX  XXXX XXXX for servicing, which began the preforeclosure process. I spent years disputing this account, and no one wanted to acknowledge the errors in that process and reporting regarding their inherited mortgage. 

It was service transferred to XXXX in XXXX, and they have further damaged my credit and continue to report even after referencing the modified mortgage note with my missing signature. In fact, XXXX doesn't even claim they have a copy of the XXXX note, which only my ex signed, yet they are reporting the terms of it to my credit. 

Just recently, I received a call from XXXX  XXXX XXXX again regarding a loan that has some connection with that home and mortgage, and I am fearful again that this vicious cycle will continue. It is fraud to write " N/A '' in a live and well person 's signature line. That note should not have had my name listed if they were not in need of my signature, and it should certainly not be reporting to my credit with terms I did not contractually agree to. XXXX, XXXX  XXXX XXXX, and XXXX have ignored my requests to remove this from credit, and they have ignored the legalities behind reporting a liability that was not executed. I was not required to sign because I no longer had an interest in the property, and my credit and income were not used to qualify. THEN WHY IS IT BEING REPORTED AS MY LIABILITY???????
Product: Debt collection

Harris and Harris Limited continuously calls our place of business. I talked to them once and the person they mentioned was someone we did n't know. After, they continued to leave messages.XXXX XXXX 
XXXX/XXXX/15 XXXX XXXX XXXX/XXXX/15 XXXX XXXX 
XXXX/XXXX/15 XXXX XXXX. XXXX/XXXX/15 XXXX XXXX. 
XXXX/XXXX/15 XXXX XXXX. XXXX/XXXX/15 XXXX XXXX 
XXXX/XXXX/15 XXXX XXXX XXXX/XXXX/15 XXXX XXXX 
XXXX/XXXX/15 XXXX XXXX. 
These are the dates and times they have called.
Product: Mortgage

Capital Mortgage received a payoff request on XXXX XXXX from XXXX XXXX and did not process my request until XXXX XXXX causing additional cost to my loan. 
I 'm not sure why it took Capital until XXXX XXXX to process my payoff request when it was submitted on XXXX XXXX with my authorization. The additional prepaid interest cost on my loan is {$1100.00} as opposed to {$57.00} if I had closed on XXXX XXXX as planned. Now I have to close an FHA loan in the middle of the month. XXXX XXXX XXXX has generously offered to pay for my interest owed to Capital Mortgage until they can pay loan off. Capital Mortgage should be responsible for charge applied to my loan for missing the payoff deadline of 10 days. 

In addition, Capital Mortgage charged me an extra 2 months of PMI of which they have credited now however If I did n't call this out they probably would not have credited me the amount of {$350.00} x XXXX.
Product: Credit reporting or other personal consumer reports

The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The accounts as followed : opened at XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number XXXX, an Education Loan opened at DEPT OF EDUCATION/XXXX  on XX/XX/XXXX under the account number XXXX. an Education Loan opened at DEPT OF EDUCATION/XXXX on XX/XX/XXXX under the account number XXXX. an Education Loan opened at DEPT OF EDUCATION/XXXX on XX/XX/XXXX under the account number XXXX. an Education Loan opened at DEPT OF EDUCATION/XXXX on XX/XX/XXXX under the account number XXXX. an Education Loan opened at DEPT OF EDUCATION/XXXX on XX/XX/XXXX under the account number XXXX. an Education Loan opened at DEPT OF EDUCATION/XXXX on XX/XX/XXXX under the account number XXXX. an Education Loan opened at DEPT OF EDUCATION/XXXX on XX/XX/XXXX under the account number XXXX. an Education Loan opened at DEPT OF EDUCATION/XXXX on XX/XX/XXXX under the account number XXXX. an Education Loan opened at DEPT OF EDUCATION/XXXX on XX/XX/XXXX under the account number XXXX. an Education Loan opened at DEPT OF EDUCATION/XXXX on XX/XX/XXXX under the account number XXXX. an Education Loan opened at DEPT OF EDUCATION/XXXX on XX/XX/XXXX under the account number XXXX. an Education Loan opened at DEPT OF EDUCATION/XXXX on XX/XX/XXXX under the account number XXXX. an Education Loan opened at DEPT OF EDUCATION/XXXX on XX/XX/XXXX under the account number XXXX. an Education Loan opened at DEPT OF EDUCATION/XXXX on XX/XX/XXXX under the account number XXXX has violated my rights. I looked at my Experian credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general lf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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

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.

I told the Experian reinvestigate this accounts : Account name XXXX XXXX XXXX... However, they stated everything was complete and accurate. But how is that possible if the my name, address, open date, date of last activity, and much more inf
ormation is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Product: Mortgage

In XX/XX/XXXX, when Covid hit, we found ourselves in a tough situation just like everyone else did during that time. To begin with we were on our last payment of a modification for {$1900.00} but due to my husband losing his job because of Covid. We decided to keep the last payment. The reason we kept the money was because my husbands unemployment check did not come in. He applied for unemployment in XX/XX/XXXX and did not receive any unemployment check until XX/XX/XXXX. I receive XXXX. We really did not have any money. So, we decided to keep the money. The Freedom mortgage company put us on a forbearance program. We put in a new application for a modification we kept handing in the necessary paperwork for a year. Then they said we did not qualify because my husband was on unemployment. In XX/XX/XXXX, my husband went back to work so we could qualify. Then we qualified. In XX/XX/XXXX we were approved for {$1900.00}, and we accepted the offer. In XX/XX/XXXX, we sent out the signed, dated, and notarized paperwork. We started making payments in XX/XX/XXXX for XXXX. Then in XXXX, they let us know that there was one page in the paperwork that was not dated. So, we told them to send out the paperwork back so we could fix the problem. We kept making payments of XXXX every month. XXXX of XXXX, we received another modification which we did not ask for {$2300.00} that we did not accept because that payment was too high. I called the Mortgage company to see if they could honor the previous modification. We kept making payments until XXXX of XXXX when they decided not to accept payments of XXXX anymore. Then we received another modification in XXXX of XXXX for {$2400.00}. My husband went back to work in XX/XX/XXXX and got hurt on the job in XX/XX/XXXX. My husband right now is going on his fifth operation and is on workers ' comp. We could only afford to pay the XXXX that we originally agreed to. Can you please help us?
Product: Credit card

On XXXX XXXX XXXX  Citibank closed my bestbuy and XXXX credit cards and forfeited over {$9000.00} of cash rewards that I received for using such credit cards.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed multiple hard inquiries that I did not authorize. As I have not applied for credit or made any purchases that would warrant these inquiries, I request that they be removed from my credit report immediately.

Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681b, only authorized inquiries should appear on my report. Since I did not grant permission for these inquiries, I am formally disputing them. Please provide proof of my consent for each inquiry or remove them from my credit report.

Failure to remove unauthorized inquiries is a direct violation of the FCRA. If Experian continues to report these inquiries without proper verification, I will be left with no choice but to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) and take legal action if necessary.

I appreciate your prompt attention to this matter and request a written confirmation once these inquiries have been removed.
Product: Debt collection

Calling my children 's phone number and leaving a threatening tone on their voicemail which has caused panic.
Product: Credit reporting or other personal consumer reports

This company is reporting an account that is charged off on my credit report but they have not sent me a 1099C. According to federal law they were to furnish a 1099C once they charged off the account but I have not received a 1099C. If I dont receive a 1099C within 15 days, I will be filing a 3949A with the IRS as this is considered tax fraud since I have not received a 1099C. 

I demand that XXXX XXXX XXXX XXXX furnish a 1099C and send a copy of the form to me OR remove the account from my credit report along with all other information related to it. 

If do not receive my copy of the 1099C within 15 days I will be filing a 3949A with the IRS, as that is considered tax fraud.

According to the Fair Credit Reporting Act ( 15 U.S.C. 1681, Section 602 ( a ) ), consumer reporting agencies must uphold their serious responsibilities with fairness, impartiality, and respect for consumer privacy. Equifax and XXXX, as consumer reporting agencies, are required to adhere to these standards, while I, as the consumer, have the right to protect my private information. 

Under 15 U.S.C. 6801, Congress establishes that financial institutions have a continuous duty to respect customer privacy and safeguard the security and confidentiality of nonpublic personal information. XXXX XXXX XXXX XXXX qualifies as a financial institution under this definition. 

Further, 15 U.S.C. 1681, Section 604 ( a ) ( 2 ) dictates that consumer reporting agencies may only provide consumer reports when they have received the consumer 's explicit written consent. I did not grant such consent to Equifax, XXXX, or XXXX XXXX XXXX XXXX. Any prior consent, whether verbal, implied, or written, is hereby revoked. 

Additionally, per 15 U.S.C. 6802 ( b ) ( c ), a financial institution may not disclose nonpublic personal information to unaffiliated third parties unless the consumer is informed of their right to opt-out of such disclosures. I was never notified of this right, violating these regulations. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) ( A ) prohibits any entity from furnishing inaccurate information to consumer reporting agencies if they know or have reasonable cause to believe it is incorrect. Furthermore, 15 U.S.C. 1681e mandates that consumer reporting agencies must maintain reasonable procedures to prevent violations of 1681c and to limit the furnishing of reports to those permissible under 1681b. Equifax and XXXX have failed to uphold these standards. 

Lastly, 12 CFR 1016.7 affirms that a consumer retains the right to opt-out at any time. I am formally exercising my right to opt-out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my letter off on XX/XX/2022. I told the credit bureaus to " investigate every piece of information on the accounts I have listed below. Also I have attached the letter I sent out and here is the Tracking # XXXX According to the FRCA The term " Investigative consumer report '' means a consumer 's report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies. Account : XXXX  # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Approx in XXXX XXXX ; I moved to another state and the new occupants did not switch over the XXXX service as they said they would. 
This debt has been in collection since XXXX and the date just keeps getting updated. 
I did not use this electricity to acquire this debt ; thus is why I have not paid it. 
The CBE GROUP has false dates as when it was opened ( XXXX/XXXX/XXXX ). XXXX does not wait 3 years before turning unpaid utilities to collections. 
I want this debt considered closed. 
The most Inwould pay is {$100.00}, not a cent more.