23daVinci/CFPB_Complaints huggingface dataset:
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.

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. 

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
Product: Debt collection

To whom it may concern, On my last visit to this office ( XXXX XXXX & XXXX XXXX, XXXX XXXX office ), the doctor made some confirmation and told me that everything would be covered by my insurance and I only have to pay the copay, and that was why I agreed to have the procedure done. I came to front desk and made the copay payment and even asked them if I owed anything else. They confirmed that I dont owe anything else. But I just checked my credit report, I have a collection from them of $ XXXX.This is affecting my credit score I request this tobe resolved since it 's the wrong amount posted on my account. My balance should be {$0.00} and I should not owe them anything I called their billing office to try to resolve this but they were mean, used profane or other abusive language and said I still owe the amount. She sounded like it was okay for them to lie and misinform their patients including me ( that I didnt have to pay for the procedure ) so that I will agree to do the procedure I called my insurance and they told me to call the doctor billing office and tell them to call my insurance but they refused to do it
Product: Mortgage

Truist Bank hold my mortgage and on XX/XX/ my home was paid in full. A week after my mortgage was paid in full. I called Truist and request my escrow refund check. Today XX/XX/, I still have not received my check I don't think Truist ever sent my refund check. I received other letters deed release but a check.
Product: Credit card or prepaid card

I had ta Bank of America XXXX XXXX card and the account was switched to XXXX XXXX. When I received the letter I closed out all the Travel rewards I had been saving for a XXXX XXXX XXXX before the switch. I believe it was sometime in XX/XX/2022. I closed out all of it so I believe it was between XXXX XXXX XXXX XXXX XXXX I never received the voucher. I started calling and the BOA stated they would look into it. I kept calling and then around XXXX they stated I would have to deal with Comenity to resolve this issue. They could not talk to me since I did not have an active account with them. I called XXXX starting in XXXX and they opened a ticket and told me that BOA has 90 days to respond, call back in 90 days. I did, BOA never responded and they opened another ... and another. This has been going on since XXXX XXXX supervisor told me in XXXX that BOA will not respond to them. I just got a letter from XXXX stating since its been so long they are closing my complaint there is nothing they can do. I have spoke to XXXX and asked for a supervisor to call me and I have not heard back. It is not my fault BOA will not respond or talk to me and they are the ones who kept telling me call back in 90 days. I know this is BOA 's issue, they have my money, but I cant get anyone to take the time to look into it. I dont know if it was lost in the mail or just never sent, but either way I never received it. If it was mailed they should be able to see the check was not cashed but if no one will take the time to look into this issue and they dont care because I am no longer their card holder. Its not my fault they lost the XXXX account. Please help me resolve this.
Product: Checking or savings account

I purchased items from XXXX on XXXX as gift for my family but items arrived late. I requested refunds. They provided tracking labels and I sent all the items back but I have not got my refund. It has been 5months trying to contact both XXXX and wellsfargo but no response.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX I am writing this letter in response to the phone call/letter received from you on ( Date ). In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt that you talked of earlier. Please note, this is not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you.

Please provide me with the following : 1. Agreement with the creditor that authorizes you to collect on this alleged debt 2. The agreement bearing my signature stating that I have agreed to assume the debt 3. Valid copies of the debt agreement stating the amount of the debt and interest charges 4. Proof that the Statute of Limitations has not expired 5. Complete payment history on this account along with an accounting of all additional charges being assessed or disputed 6. Show me that you are licensed
to collect in my state ; and 7. Your license numbers and Registered Agent If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. 

Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 


Thanking you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This has been my several attempts to notify you that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. These items are unknown to me. Also, the information you provided on the items are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on the items are mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 


XXXX XXXX XXXX Date Opened : XX/XX/2014 Balance : {$5600.00}, XXXX XXXX XXXX Date Opened : XX/XX/2014 Balance : {$2400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit card or prepaid card

I have had an ongoing issue since 2017 with this company where they are mixing my and my sister 's account as we have very similar names and social security numbers. Each month when a payment is due, I manually make a payment online, however, the payment is being applied to her account and not mine. I then begin receiving phone calls from Comenity Bank/Victoria 's Secret saying that my account is past due although I had already made a payment. They are also merging our personal information and my phone number is being applied to her account and vice versa. This has been causing me tremendous XXXX for the past 3 years and causing unnecessary late payments and late fees on my credit file, which are ultimately affecting my credit score and increasing my balance and interest payment. I have to deal with this every single month and there is never a solution as it continues to happen every month. This is taking time away from my work as they call me during work hours and I have to step out every month for an hour to speak to a representative to explain this issue and it never gets resolved.
Product: Credit reporting or other personal consumer reports

Kindly delete these inquiries. I have no information about them, and the company carried them out without my permission.
Product: Mortgage

PennyMac has violated the Fair Debt Collection Practices Act Subpart B Sections : 1006.6 ( d ) ( 3 ) ( ii ) 1006.6 ( d ) ( 4 ) ( i ) ( B ) 1006.6 ( d ) ( 4 ) ( iii ) 1006.6 ( e ) On XX/XX/2024 I revoked all consent for email communications, requesting mailed communications instead. Since then I have recieved over a dozen emails against my consent. 

Note for any lawyers that may read this : There is no way to unsubscribe or stop the email via the email or in PennyMac 's website.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and  XXXX  all have my credit report correct.     Equifax is missing 90 % of my accounts and every account on their system is incorrect. I have been complaining to Equifax for 2 years now. They state the companies are not reporting the information. All companies were personally contacted. They all say they follow  US  laws and must report, they are all showing up on credit reports except for Equifax.   Here are the companies Equifax state are not reporting to. ( Even though they show up on all other credit bureaus ) They  are : 1.  XXXX    XXXX   cards  XXXX   XXXX  cards not report ed 2.  XXXX   XXXX  cards x  XXXX  cards  XXXX  shows up with wrong account number and wrong balance and limit information.   3.  XXXX    XXXX  not reported  4 .  XXXX    XXXX   XXXX   loan not reported 5.  XXXX   XXXX  not reported 6  XXXX   XXXX   XXXX   XXXX   not reporte d 7   XXXX   XXXX . not reported  8    XXXX   XXXX   credit card not reported My credit score is approx  XXXX  points lower on Equifax. I have been denied credit 4 times in the last 2 years because of this incorrect information, even though I have notified them o n 3 d ifferent occasions. This has severely caused me economic damage in  XXXX   2017 n ot to mention hardship.
Product: Mortgage

My complaint is with Newrez my existing Mortgage Company. Because I was approved for modification in XXXX. I started looking into refinancing in XX/XX/XXXX. I was approved by XXXX XXXX XXXX at a interest rate of 2.75 %. Before the process was complete in early XXXX I was contacted by XXXX XXXX of Newrez. Who said he would match that offer and the closing cost would be 60 % less because I was an existing client. I filled out all the e-documents and provided all necessary information. The Conditional Approval I received had a interest rate of 3.375 % XXXX XXXX told me it would be adjusted at closing. I have not heard from him since XX/XX/XXXX. There was a hard stop placed on my application and no one at Newrez could tell me why. I spoke with XXXX XXXX. Who is my Loan Processor at Newrez. Who told me he didn't know what happened but the hard stop would be removed by in early XXXX. So that it could go to the Underwriting but after 4 more weeks it still have not gone to closing. It has been almost 3 months and nothing has been done. Today I received a new e-documents that says my interest rate is 3.488 %. It has gone from 2.75 % to 3.488 % since I began working with Newrez and no one is currently spoken with me personally about this. After dozens of calls. It is well past the 30 days I was told it would take or the 60 days it would normally take. I past on a deal I had in place to take this offer from Newrez but they've been doing their best to fulfill their part. They have been totally negligent and fulfilling their part of the deal and keeping me informed. I wish this have been completed already I'm going into my 90th day of this process. Which is why I think my interest has increased because it's been over 60 days and they're not making me a new offer with a higher rate. I put the blame on XXXX because he initiated this but has not been transparent with information that I need to know during this process I reached out to him several times but now he's saying that I was on a Do Not Call list even though I have called him dozens of times and left messages which you did not respond to any of them. Please do what you can to help me resolve this issue I am now beyond the point where I can do things on my own. Thank you very much. XXXX XXXX
Product: Debt collection

I had to withdraw from the XXXX because it was a bad storm at the time and couldn't turn my work in because all of the power been off and then I been passing all my classes so I wouldn't just up and quit for nthing and i really had wanted to finish I called and had to leave my name to another advisor because at the time I couldn't get in touch with mines and this account is holding me and my family back from purchasing an house they're charging me XXXX for nothing
Product: Checking or savings account

Money was sent via cashapp, goods were not received, dispute was submitted and have not heard from since
Product: Debt collection

Ally financial received notice and evidence of them calling a stranger and discussing my debt with this person. 
Ally financial refused to address their violation of the law. Ally financial continues to make threats to me when I address their criminal acts.
Product: Checking or savings account

It is the third time I am submitting the complaint since this is the only way I can get some responses related to the issue itself though the problem has never been fixed. Don't ask me to call your stupid customer service. In the past more than one year, it has never worked even tiny little bit. 

The first time I submitted the complaint in XXXX and the case number is XXXX. And then I am not satisfied about what you have replied, so I filed another complaint in XXXX, case number XXXX. Then another three months passed, it still doesn't work at all. 

I'am tired to repeat what happened over and over again ... .I know you can find these cases so you can refer what happened and what request I have. 

Here is the last response from your side. 

As stated in our enclosed letter dated XX/XX/XXXX, we placed a hold on your account and online user ID due to irregular transaction attempts observed by our bank on XX/XX/XXXX. Our prior response also explained the remaining funds from account ending in XXXX, totaling {$2000.00}, were placed into a general ledger account held within the bank, as the funds will be returned to the originator. We suggested that your friend contact their payroll department, who can work with their financial institution, and request that they send us the appropriate documentation. As a courtesy to you, a request to return funds has been sent to XXXX XXXX XXXX, on XX/XX/XXXX, on yours, and your friends behalf. Once we receive a response back from XXXX XXXX XXXX, we may return the funds to them. Please understand this is a bank to bank process which often can take several months to complete. Being a bank to bank process, the details and status of this process can only be discussed with the originating banks. 

I think the situation is pretty clear and I don't understand why your side made it such complicated. I provided all evidences to support everything I said is true and you should simply return my money to me. Even if as you said you will return it to originator, why to me it will take like a century long? Tell me where the money is, and does XXXX  replied you, if not, how long it will take for them to replied you, three months is several months, and three hundred months are also several months. You say " we may return the funds to them '', which means if they don't reply, you will hold it forever and never give me back? 

I am your customer, don't treat me like I am a thief. It's already beyond my tolerance. I can wait but I want to emphasize I need the problem completely fixed ASAP.
Product: Credit card or prepaid card

I want to make a complaint towards cash app. Everytime I open an account a day or two goes by and they send me something to verify my identity. I provide whatever information they are asking for, including linking MY bank account and debit card and they still shut my account down because they claim they can not verify my identity. I end up having to withdrawal my money and try and open another account. I completely understand then wanting to verify identity, that is a good thing, but once I verify it then they should leave me alone. I have contacted them and get no real response or reason why they continue to do this to me. I do not want 20 different cash apps opened in my name with my information floating around but they force me into opening.another account everytime they shut the one I am using down. This is getting ridiculous.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I received copy of my credit report and noticing all the inaccurate and outdated information being reported, on XX/XX/2022 I sent letters to XXXX, TransUnion and XXXX about these inaccurate information and asked them to investigate and remove all these erroneous information from my credit report affecting my credibility. But unfortunately, till this day as of more than 45 days I have not received any correspondence from them in regards to my dispute.
Product: Credit reporting or other personal consumer reports

I am filing this complaint to report XXXX separate fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a XXXX XXXX XXXX  account Account number ending in : XXXX Date : XX/XX/XXXX I keep receiving emails on ), an auto loan account opened at XXXX  XXXX  on XX/XX/XXXX under the ( Account number XXXX ), and a personal bank account opened at XXXX XXXX  on XX/XX/XXXX under the Account number XXXX XXXXXXXX XXXX XXXX XXXX  account number XXXX opened XX/XX/XXXX ( ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 
CFPB Complaint against Credit Reporting Agencies Text ( separate complaint filed w/all XXXX bureaus : XXXX, TransUnion, and XXXX  ) : What happened ( statement of pertinent facts ) : my credit information was compromised by a thief who knew many ways to use it and places that would accept their documents This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint.. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. 
What would be a fair resolution to this issue? ( demand for relief ) :
Product: Mortgage

I have been trying for 5 years to get a modification thru wells fargo and have been unsuccessful. In XXXX a judge ordered that wells fargo had to either give me a re-mod or work out a payment arrangement for the arrears. Wells Fargo has refused to obey the order. I was also issued a stay on my property by the judge, but in XXXX the attorney for wells fargo attempted to sell my home a the sheriff sale. Since the property was not sold the deed went back to wells fargo. Luckily the sheriff caught this illegal act and took my home back from wells fargo and put the deed in my name. We filed a motion to enforce the judges order and since then they have answered the motion and also filed a motion to dissolve the stay. Not only did they not appeal the judges decision, but they refused to follow her ruling and then illegally attempted to sell my home. At this point I am waiting to go before the judge and do not know when that will happen. As of right now they are attempting to sell my home on XXXX XXXX, even tho i still legally have a stay on my property. The sheriff informed me that the attorney for wells fargo will be notified that the stay is still in place, but on the website it is still listed as for sale. I do not know what to do.