23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am successor of interest on a loan with wells fargo. I suffered a Covid hardship and took advantage of the XXXX XXXX XXXX mortgage deferral and chose the option of having the deferred payments placed at the end of the loan 's maturity date as was my option from the very beginning. My hardship has ended and I began making my monthly payments since XX/XX/XXXX. I pay my own real estate taxes because as a senior I am allowed to pay only one half the amount. I am paid until XX/XX/XXXX. I pay my home insurance which is incredibly low because it is tied with my car insurance. I recently paid it for one year until XX/XX/XXXX. Wells is now giving me the run-a round and telling me as a successor of interest, I can not have the option I chose. They have asked for and I have submitted tons of documentation for months showing I can well afford to make the monthly payment. They never, ever stated that as a successor of interest I would be denied my option. They have sent me a letter stating I am in a loan modification program and they will escrow my taxes, etc. I have called and called them and get nowhere. They have lied to me and are not abiding by the FHFA, CFBP and even the White House rules. 
They spring this on me now? And they are defying the federal rules.
Product: Debt collection

The option I needed under false statements or representation was not available, but to summarize my complaint, real time resolutions is representing themselves as a mortgage company rather than a debt collection agency on my credit reports with XXXX and XXXX. 

I have a verbal recording that was consented to by them on yesterday XXXX/XXXX/XXXX between XXXX RTR employees, myself, my husband and out financial advisor where they admitted to being a debt collection agency not a mortgage company as they are illegally reporting on my credit report. I have attempted to settle the debt immediately with them if the account classification is corrected but the refuse repeatedly stating that even if I pay them in full they will leave the account on my record incorrectly. 

The property in question was a home I purchased alone in XXXX that became a rental property when my husband and I purchased another home in XXXX. The home was lost due to an illegal foreclosure by XXXX or XXXX as its now known. I attempted to rectify this situation, as my tenant and the XXXX Housing Authority failed to make timely or payments at all in some instances but my only resolve has been the receipt of an {$1100.00} settlement check from a national Class action lawsuit, naming XXXX at fault for the wrongful/Illegal foreclosure. 

As stated before if the only resolve short of litigation is to pay the debt, I have no problem making a settlement to rectify the situation if that is whats necessary to satisfy the XXXX mortgage, but it just does n't seem right that my home was illegally taken, a settlement was paid to me to provide some compensation to my family and now we are again having our credit damaged due to something beyond our control as the collection did n't take place right away but approximately 3 years later and because its being reported incorrectly as a mortgage account not a collection account, legally my family is unable to purchase a new home due to the new mortgage laws. Had we known this was a possibility, we never would have sold our last home in XXXX XXXX. Therefore my husband, myself and XXXX children are displaced due to their false representation. 

We have attempted contacting the credit bureaus as well and have been unsuccessful.
Product: Credit card or prepaid card

There was 12 purchases made to my Netspend debit card that I did not make or authorize. All the purchases were made on XX/XX/XXXX at places located in XXXX Ohio. All of these charges were made in succession, and for around {$500.00} each. Total amount was {$4700.00}. Purchases were made until my account was empty. I live in XXXX Ohio. I don't travel. I have never given anyone permission to use my card. I believe my card was copied then used to steal my money. I had just taken out a loan to buy a vehicle when this happen to me. I was at the dealership on XX/XX/XXXX when I found out my account was empty. I called Netspend immediately and told them about the illegal transactions. I did exactly what they said to do, I filed a dispute. It took 10 business days to find out that they denied my dispute! They said that no errors were made! They said their decision was final and the dispute was considered closed. I talked to customer service and told them I wanted to appeal their decision, but they said I couldn't do that until I got the decision in the mail and had to first ask for a copy of their investigation report. I requested the report right then. I still have not received any report. 
On XX/XX/XXXX, I found out they closed my account without notifying me! This caused severe financial hardship. I just lost XXXX, all my money on XX/XX/XXXX and had no money until my XXXX check was deposited on XX/XX/XXXX. Then they closed my account and I was with no money again! This cause so much hardship. I'm XXXX and so is my XXXX yr old daughter. I had to wait XXXX business days to get the check in the mail. Then I had to open a new bank account to get my XXXX checks deposited into. I went to a lawyer for help. But I'm also filing complaints where ever I can because they have uprooted my whole life. They shouldn't be able to do this to people. I have to pay a 5 year loan for those funds that were stolen. Please help.
Product: Debt collection

Multiple dates, unknown amounts, negative credit reporting, and illegal use of personal data to 3rd party companies.
Product: Credit reporting or other personal consumer reports

Furnishing private information without my consent.

According to the Fair Credit Reporting Act 15 USC 1681 section 602 ( a ) states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartially, and a respect for the consumer 's right to privacy '' Equifax, XXXX, and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information is not shared which is backed by

15 USC 6801. The Consumer
reporting agencies Equifax, XXXX, and XXXX do not have my consent to furnish the information detailed in attachment, and they surely do not have my written consent. Any and all consent to Equifax, XXXX, and XXXX, whether it be verbal, non-verbal, written, implied or otherwise is revoked. 

Under GLBA Consumer reporting agencies are by definition " A Financial institution, '' 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless -- - the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' I was never informed of my right to exercise my nondisclosure option by ( Consumer Reporting agencies ) Equifax, XXXX, and XXXX. 

Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' All information unauthorized is considered inaccurate, incomplete, or unverifiable by definition.

I am opting out of the ( Red Lined private information shared without my consent [ see attachments ] ).

I am also requesting that any and all future information be approved before sharing publicly via email e-signature confirmation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter last XX/XX/XXXX, to remove the items listed below that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., 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  Balance : $ XXXX XXXX Balance : {$2200.00} XXXX XXXX  XXXX Balance : {$4100.00} CHILD SUPPORT ENFORCEM XXXX Balance : {$6500.00} XXXX XXXX ( OriginalCreditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$880.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1200.00} XXXX, XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$360.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

TransUnion is willfully reporting inaccurate information that violates XXXX XXXX XXXX XXXX. Despite being provided with substantial evidence and clear information to rectify these inaccuracies on the credit report, TransUnion has negligently and deliberately failed to make the necessary adjustments. This blatant noncompliance and refusal to adhere to the law and congressional mandates are causing significant harm. 

Under the Fair Credit Reporting Act ( FCRA ), TransUnion has a legal obligation to ensure the accuracy of the information they report ( XXXX XXXX. XXXX ( b ) ). Their failure to correct known inaccuracies constitutes a willful violation of the FCRA, as established in XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ). Moreover, TransUnion 's continued reporting of inaccurate information, despite being informed of the errors, can be seen as a reckless disregard for their duties under the FCRA, as demonstrated in XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ). 

TransUnion 's actions not only violate federal law but also undermine the protections intended by XXXX Public Law 73-10, which prohibits the reporting of late or missed payments as this is not possible. The failure to comply with this law, despite being provided with the necessary documentation, further evidences their intentional misconduct. 

I demand the immediate removal of all disputed information and the correction of the reported status. Failure to comply will result in legal action to enforce compliance and seek damages for the harm caused by TransUnion 's reckless and unlawful behavior.
Product: Credit card

The 1st charge US {$960.00}, was done when I reserved for a room from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX mistakenly denied on the charge to Citibank. I admitted my mistake calling back the next day. A new card was in the process to be sent to me. I kept my hotel reservation and allowed the hotel charge US {$960.00} again my new card on XX/XX/XXXX, when it arrived. Later I learned from the hotel manager Citicard disputed on both charges. Late in XX/XX/XXXX I got the XXXXXXXX XXXX permission to grant my cancelation. My Citi statements of XX/XX/XXXX and XX/XX/XXXX show these two charges. I obtained email proofs with VISA XXXX numbers confirming refunds of both chagres from the XXXX and their bank. I wrote to Citibank XX/XX/XXXX and on XX/XX/XXXX Dispute Center still denied receiving the first refund of US {$900.00} the amount I requested for credit. And advised me to sue Citibank in small claims court of the 1st charge that they still owe me.
Product: Mortgage

On XX/XX/2023 our property was hit by a tornado which completely destroyed our home and out buildings. It was a total loss, the home and buildings were gone. 
On XX/XX/2023 we reported this event to our home insurance company. 
On XX/XX/2023 we got XXXX checks from our insurance company for the home and out buildings. 
On XX/XX/2023 we sent by priority mail overnight the XXXX checks, to our mortgage company. 
On XX/XX/2023 we got notification that the checks were delivered to our mortgage company. 
On XX/XX/2023 we talked to the Loss Draft department at our mortgage company to check on the status of the pay out to us. We were told that the money was deposited on XX/XX/2023. 
On XX/XX/2023 we talked to the Loss Draft dept. again and was told that they could escalate this issue to management. 
On XX/XX/2023 once again we talked to the Loss Draft dept. and they checked on the escalation and said the day before it went to management. The rep gave us a link to a website to monitor each step of the process. 
On XX/XX/2023 we got on the website to check the process and saw nothing new. We then submitted a written question on the website and submitted that. 
On XX/XX/2023 we called the Loss Draft dept., the rep said that an email was sent to management XXXX weeks ago, then sent us to a supervisor. XXXX said she would call me back that day. She called back but did not have any further information as far as the process was going. 
On XX/XX/2023 we checked the website again and did not see any change in the process. 
In addition to the above, On XX/XX/2023 we signed a paper with a mobile home dealer to reserve a mobile home that we found that was a very good price for a new mobile home. We put a deposit down to reserve it. During XXXX of the conversations above we made the mortgage company Loss Draft dept. know this and that we are not building a house, just buying a new mobile home to put on our property in the place where our previous mobile home was. We made it clear that we are not building anything just placing the mobile home there. The mortgage company only wants to release half of the price of the mobile home and we would have to finance the other half. We can not get financing at this time. We also signed a paper that allows the mortgage company to communicate directly with the mobile home dealer/sales rep. 
The issue has yet to be resolved.
Product: Credit reporting or other personal consumer reports

This account is closed and also not on my reports with XXXX or XXXX. Acct # XXXX. - XXXX XXXX ... This needs to be removed immediately. It has been reported pass the XXXX yr rule. 





This Acct needs to be removed immediately. Open date and balance are incorrect. 
Acct XXXX XXXX. XXXX. 
I did not open an account with this company..Remove this immediately...
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft, Someone attempted to apply for many different credit cards and loans. Which left me with 15 hard inquiries that negatively affected my credit score. I have sent letters to each credit agency as well as the 3 major credit bureaus and requested them to be removed. 
Here are the companies and dates and what they were for : 1. XXXX, Inquiry from XX/XX/XXXX, Personal Loans Cos 2. XXXX XXXX  XXXX, XXXX XXXX, Inquiry from XX/XX/XXXX, National Credit Card Cos. 
3. XXXX, Inquiry from XX/XX/XXXX, National Credit Card Cos. 
4. XXXX XXXX, Inquiry from XX/XX/XXXX, All Banks 5. XXXX XXXX, Inquiry from XX/XX/XXXX, XXXX 6. XXXX, Inquiry from XX/XX/XXXX, Bank 7. XXXX XXXX XXXX XXXX XXXX, Inquiry from XX/XX/XXXX, National Credit Card Cos. 
8. XXXX XXXX, Inquiry from XX/XX/XXXX, National Credit Card Cos. 
9. XXXX, Inquiry from XX/XX/XXXX, National Credit Card Cos. 
10. XXXX XXXX, Inquiry from XX/XX/XXXX, All Banks 11.XXXX, Inquiry from XX/XX/XXXX, Bank 12 . XXXX, Inquiry from XX/XX/XXXX, National Credit Card Cos. 
13.XXXX  XXXX, Inquiry from XX/XX/XXXX, Bank 14 . XXXX XXXX XXXX  XXXX, Inquiry from XX/XX/XXXX, All Banks 15. XXXX, Inquiry from XX/XX/XXXX, National Credit Card Cos.
Product: Credit reporting or other personal consumer reports

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

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

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

Experian, XXXX, and XXXX is reporting inaccurate information on my report.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I have recently received the results of the investigation into the inaccuracies on my credit report, conducted by your agency. Despite my previous disputes and the legal obligation under the Fair Credit Reporting Act ( FCRA ) and other applicable federal laws to ensure accurate and timely reporting, your agency has failed to acknowledge the inaccuracies present in my credit report.

Your refusal to correct these inaccuracies has resulted in significant damage to my financial reputation, causing me substantial emotional distress and financial harm. I want to make it explicitly clear that I am not willing to tolerate these injustices any longer.

I am left with no choice but to pursue legal action against your agency for the damages caused to my reputation. This letter serves as formal notice of my intent to sue under the provisions of the FCRA ( 15 USC 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( b ), 15 USC 1681b ( a ) ( c ) ( 2 ), 15 USC 1681q, 15 USC 1681n ( a ) ( 1 ) ( A ), 15 USC 6821 ( a ) ( 1 ) ), and any other applicable federal laws. I believe your agencys actions are not only in violation of the FCRA but also constitute a willful disregard for my rights as a consumer.

I demand that your agency rectify the inaccuracies on my credit report immediately and provide me with written confirmation of the corrections made. Additionally, I expect your agency to compensate me for the damages incurred due to your inaccurate reporting, including but not limited to, loss of credit opportunities, emotional distress, and legal fees associated with this matter.

I am giving your agency a final opportunity to rectify this situation without litigation. I expect a response within 15 days from the date of this letter, confirming the correction of the inaccuracies and outlining the steps taken to prevent such errors in the future. Failure to respond within the specified timeframe will leave me with no alternative but to pursue legal action without further notice.

Please consider this matter seriously, as the consequences of your agencys actions have had a severe impact on my life. I look forward to a swift resolution to this matter.
Product: Vehicle loan or lease

On XX/XX/2018 I wrote a letter to Nissan explaining that my payments are late because I am trying to get back on tracker after a loss in the family. My payments have been late but not more then 30 days. They have wrote me back but did not respond to my urgent need of my financial hardship.
Product: Credit reporting or other personal consumer reports

XX/XX/2024 Have 2 Hard Inquiries One from Capital One Auto XXXX XXXX XXXX I was checking new cars because I was involved in an accident but the dealer ran my credit. 

Next day I took the decision and finally found a car in XXXX XXXX on XX/XX/2024, that is okey
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, correspondences were sent to Experian, XXXX, XXXX and XXXX XXXX XXXX XXXX involving violations pertaining to an account on my credit profile. 

As a federally protected consumer, I have a right to privacy in which said companies violated ( amongst other violations ) by listing income on my credit profile. 

No resolution has been met yet.
Product: Checking or savings account

My bank account was hacked and my debit card was used for numerous transactions without my knowledge, I was also overcharged by merchants I had done business with in the past, I informed the bank of the stolen debit card and phone and asked for account to be locked down until I could review my account and figure out why I was being charged. They then allowed my account to be overdrawn by nearly XXXX dollars after the conversation. They further went on to deny my claims without doing a thorough and legitimate investigation. The balance on this account was nearly XXXX dollars less than a year ago. Im now negative XXXX dollars in this account and i would like to receive all illegitimate transactions back to me immediately. My life savings has been stolen and I truly believe Bank of America has allowed this to happen.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am challenging the accuracy and integrity of furnished information pursuant to 12 CFR 1022.42 : ( a ) Policies and procedures. Each furnisher must establish and implement reasonable written policies and procedures regarding the accuracy and integrity of the information relating to consumers that it furnishes to a consumer reporting agency. The policies and procedures must be appropriate to the nature, size, complexity, and scope of each furnisher 's activities. 
What are your policies and procedures because it doesn't seem to align with the CFR regulations. Now pursuant to 15 USC 1666b I am directing you to mail a check in the amount of credit on my account to the address you have on file. 

12 CFR 1022.25 ( v ) Allowing consumers to exercise all of their opt-out rights described in a consolidated opt-out notice that includes the privacy opt-out under the Gramm-Leach-Bliley Act, 15 U.S.C. 6801 et seq., the affiliate sharing opt-out under the Act, and the affiliate marketing opt-out under the Act, by a single method, such as by calling a single toll-free telephone number. 

I do consent to Bridgecrest sharing of my non public information and am exercising my right to opt out lf sharing of any information related to my organization. I'm directing you to remove all information from consumer reporting agencies and files immediately. I am also exercising my rights and requesting my downpayment of {$500.00} which under truth in lending act 15 USC 1601 the finance charge does not include any cash. 

You are hereby put on notice!
Product: Checking or savings account

I am looking to rent a house and after I had applied for the application ( {$150.00} ), paid for first month rent ( {$1500.00} ) and security deposit ( {$900.00} ), the landlord has disappeared and will not return my money or phone calls. I tried to recover the funds through my bank but theyve claimed theres nothing they can do. Now Im facing the final weeks of where I live and dont have the money to find another place. The landlord had asked me to send him for MORE money for repairs/paint ( which is the CURRENT tenants responsibility ) and I knew that wasnt right so I filed disputes on the charges. Because PNC says theres nothing they can do, this person is free to take {$3000.00} from every person who clicks on his fake listing now.
Product: Debt collection

I got a letter XXXX SEE ATTACHED LETTER FROM THEM ) in the mail from Credit Collection Services stating that I owed Creditor : XXXX XXXX COMPANY around XX/XX/XXXX. I responded back with a letter XXXX SEE ATTACHED LETTER XXXX asking validation with my signature regarding account File Number XXXX XXXX XXXX, which they claimed I owe a debt amount of {$730.00} on XX/XX/XXXX ( SEE ATTACHED SHIPPING SCREENSHOT ) and they received this letter on XX/XX/XXXX ( SEE ATTACHED TRACKING ). Well I never got a letter off validation of any kind after my requested which by law they are required to respond back within 30 days. If they report anything to my credit bureaus I will be seeking legal actions. I do know the FDCPA/FCRA Laws.