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 item listed below has violated my rights. 

INQUIRIES : - XXXX  XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XXXXXXXX XX/XX/XXXX - XXXX XXXX  XX/XX/XXXX - XXXX XX/XX/XXXX NEGATIVE ACCOUNTS : - US DEPT ED Account # 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a request for verification to XXXX XXXX XXXX , XXXX 0n XX/XX/2020 in regards to a XXXX XXXX XXXX  account. I received a letter saying the debt was returned to the original creditor. Thus, I contacted Total Card, Inc. on XX/XX/2020 and received a letter stating that they sold the account to XXXX XXXX XXXX. There is no way to settle this debt and I would like it removed from my credit reports.
Product: Checking or savings account

XX/XX/2021, ,Continued Issues With This Company,,, ( Wells Fargo Bank XXXX,, XXXX XXXX XXXX ,From, ,Wells Fargo Remediation Program , , Administrator, ,Mid XXXX, XXXXWe Talked On The Phone,, And He Went A Few Things With Me About,, Some,, ( Unauthorized Accounts,, That Was Open In My Name, ,And My, ( Deceased Parents Name,,,, Then In XXXX I Received About ( 5 ) Pieces Of Mail From This Company And There Was A, ( Small ) Check For {$19.00}, ,I Will Send Copies Of Everything That I Have, ,And I All So Sent In, ( ( A Special Request,, Letter, ,For XXXX Dollars,, I Will Be Sending A Copy Of My Request
Product: Mortgage

We closed on the sale of our home on XX/XX/year> and our mortgage payoff was wired on XX/XX/year>. Our lender waiting until XX/XX/year> to send our escrow refund. As of today, XX/XX/year>, we still have not received our escrow refund. I called our loan servicer and told them we had not gotten our refund and asked them to overnight a new check to us with tracking since they are already past the 20 business day rule, and they refused only offering to cancel the old check and re-send a new on that can take " 10 to 15 days to get to us. '' They are now out of compliance to XXXX.
Product: Debt collection

This complaint is directed at the actions of Mullooly, Jeffrey, Rooney and Flynn, XXXX XXXX XXXX XXXX # XXXX, XXXX, NY XXXX. I will refer to them as MJRF going forward. 

Earlier this year or late last year, I was contacted by MJRF by telephone. They first claimed they took a judgment against me. I advised them that I was never served. I also looked it up on the NY Courts website and there was no record of a judgment. I asked the woman at MJRF about this and she could not locate the judgment either and suggested to me that it may not have been awarded or may have been set aside. I also advised her the debt amount was highly disputed as I did not ask for or accept the oil delivery their client made. I disputed it immediately after the delivery and asked them to take it back but their client refused to do so. 

At the time of the call with MJRF, I made an offer to settle. The rep for MJRF suggested she did not know if the offer could be accepted based on the fact that there may be no judgment. She advised she would call me back but she never did. Now, at the end of XXXX of this year, I received a notice from the XXXX  County Sheriff 's office that my wages were being garnished over this debt unless I pay them within 30 days. I immediately reached out to MJRF again and again, I offered to settle. The person I spoke to stated that his client does not usually accept settlement offers but he would present the offer to them and get back to me. Hours later, I called their client directly and asked about the settlement offers and their client, XXXX XXXX XXXX confirmed to me that they have never received any settlement communications from the firm regarding this alleged debt. Soon after that call, a rep form MJRF called me and said that XXXX declined to settle. 

Based on my knowledge and research, MJRF clearly violated UDAAP multiple times as they deliberately deceived me regarding the status of the judgment and for failing to submit the offers I made to their client as they said they would. The latter, based on my research, is also a violation of the ABA rules. I also believe, based on my experiences and internet searches, that should the CFPB conduct an examination of all of the records held by MJRF, you will likely find many more violations of UDAAP and probably the FDCPA.
Product: Vehicle loan or lease

XXXX XXXX XXXX SUITE XXXX XXXX, GA XXXX WITHOUT PREJUDICE To whom this may concern, Your company said I allegedly owe you money. I agree to pay any financial obligation which I might lawfully owe, ON THE CONDITION THAT YOU PROVIDE : 1. Validation of the debt-that is, the actual accounting. 
2. Verification of the claim against me ; that is, a signed Invoice. 
A copy of the Contract binding both parties ( me and them ), in a letter by certified mail so that GLOBAL LENDING SERVICES 3. there is an independent witness to it having been delivered.
Product: Credit reporting, credit repair services, or other personal consumer reports

My car was broken into XXXX of 2016 and a backpack containing my personal information was stolen.
Product: Mortgage

On XX/XX/XXXX of 2018 we started the Home Mortgage loan with Wells Fargo. And on theXX/XX/XXXX Wells Fargo informed us with the pre-approval letter and they told us that it was very likely that the loan was going to be given out to us. They also informed to us that commitment letter was going to given out to us as well. And on the XXXX of XXXX commitment letter was received and we notified all the party that the transaction was going to happen soon. They told us to pay Wells Fargo {$660.00} for the house appraisal. And the {$660.00} was given out to Wells Fargo on the XXXX of XXXX. And on the XXXX of XXXX they denied my loan. Nothing changed and we did everything in our power to listen and gave Wells Fargo out trust.Through this whole process and we spent a lot of time and money outside from third party as well. We trusted Wells Fargo and even paid {$660.00} like they asked after telling us that the loan was going to be given out. We talked to Wells Fargo and they told us that they do not have time to deal with small issues and kick us to the curb. They also stated that if we wanted our money back for the unfair treatment, we were going to have to file a complaint to the Consumer Financial Protection Bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had identity theft on my social security number, name, and my personal l information such as different addresses. Which compromised my credit report being hindered and myself taking a hit on my social and name. Which is defamation of my name and character.
Product: Debt collection

In accordance to the fair credit reporting act, Transworld System INC, Radius Global solutions ( account # XXXX ) 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 604 A Section 2 : states a consumer reporting agency can not furnish an account without my written instructions. There is an address on my credit report that doesn't belong to me. I have never lived at XXXX XXXX XXXX XXXX SUN XXXX TERRACE, IL XXXX I have informed credit bureaus of the address on my file where I have never resided, and it still has not been removed. 
This same issue was reported when the debt was attempted to be collected by XXXX XXXX solutions. They provided me with a water bill. I told them I have never lived at this address and have no knowledge of any water bill. The debt was removed from my credit file. Now, the same debt has reappeared with a different company that has never communicated this debt with me, so how can it justly appear on my credit report? I have contacted the company to dispute the debt and after many attempts to reach someone, the person was extremely rude. This definitely qualifies as unfair debt collection activity.
Product: Mortgage

XXXX XXXX advanced me property tax funds several years ago. I assumed it came from the appx {$55000.00} equity I thought I still had in this property. I was told many times just to pay it back as I could. No loan person told me a reverse mortgage causes you to lose access to the remaining equity after the pay out. I paid {$120000.00} cash ( all of my retirement ) got about {$67000.00} and the rest went where? XXXX XXXX has admitted to poor ethical behavior and I am sure it far exceeded what we know. It was their culture at the time. I was told several times that if I said I was going to call a lawyer or was unhappy with the situation, I would be " sent to the office of the president '' and they were done working with me and would retract my ability to pay back the taxes.

When confronted, XXXX just denied it. I gave up the fight, entered a repayment plan and began exceeding the required amount and continue to do so. I am now within about 6 months and {$3000.00} of once again owning the house I paid cash for. I was notified in XX/XX/XXXX that my HECM loan had been sold to XXXX XXXX ( XXXX ) and the same repayment began to be made to them. Last night ( XX/XX/XXXX ) an appraiser called me to say XXXX  had ordered an REO Appraisal on my town home. I was an appraiser and a professional practice instructor for 30+ yrs. I know the other appraisers. Without reason and without any warning to me, XXXX puts an REO Appraisal request for my property out on the appraisal network. I am in my XXXX  's and not in great health and with one asset -- this town home. Imagine the shock out of nowhere getting a call at XXXX XXXX XXXX and having someone say they have been hired to do an REO ( accepted as synonymous with foreclosure ) on your home. I am meeting all the terms of my repayment and now this. I have worked ( literally back to work ) to clear this up and now XXXX  adds embarrassment to the situation. I assume they are going to deduct the costs from me. I want other borrowers to beware this company.
Product: Credit reporting or other personal consumer reports

I got a vehicle financed by XXXX XXXX in XXXX, I was paying the loan on time, but they repossessed my car fraudulently when I had my payments done ... the reason : I told them I lost my job due to the pandemic and I asked them ( XXXX ) that If they could extend my payments for few months to the end in case it will take time for me to get a job, but my payments were totally on time ; the agent started insulting me and threatening me with horrible words until the point that I told him : " then come and take your vehicle '', they repossessed the car in XX/XX/XXXX ( but they wrote XXXX ) and sold it in XX/XX/XXXX. I have the letter and my last payment in XX/XX/XXXX I'm embeding with this letter. The case was solved about 4 or 5 times closing the account and they keep bringing it back like if I still have the car and I'm behind payments. The last time I talked to them was in XXXX and I got disrespected, insulted and the interaction ended in a fraudulent repossession when I was on time with my payments. I hope you can help me, thank you.
Product: Credit reporting or other personal consumer reports

Urgent Request for Immediate Removal of Inaccurate Account and Potential Legal Action I am writing to urgently address the inaccuracies associated with the account listed below on my credit report. Despite multiple prior investigations into this matter, the inaccuracies persist, causing significant harm to my credit score. 

Account in Dispute : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX As stipulated under Section 623 ( a ) of the Fair Credit Reporting Act ( FCRA ), furnishing inaccurate or Incomplete information to a credit reporting agency is prohibited. The account in question has several months reported as " No Data, '' as evidenced by the attached documentation from EXPERIAN THEMSELVES!!!!!!!!!!!!!. This represents a clear violation of the FCRA, which mandates accurate and complete reporting. 

If experian or XXXX actually did in investigation into this matter they would see this is a CLEAR VIOLATION of the fair credit act I believe the companys have NOT performed a proper investigation into this matter at all!!!!! 

This is my fourth attempt to resolve this issue, and I have also submitted a formal complaint to the XXXX. If this account is not promptly and permanently removed from my credit profile, I will be compelled to pursue legal action under the FCRA and file a complaint with my State Attorney Generals office. 

Please provide an updated copy of my credit report upon the completion of your investigation. To facilitate this process, I have included a government-issued photo ID, proof of address, social security card, and documentation of the inaccurate payment history and prior investigations. 

Thank you for your immediate attention to this matter.
Product: Credit reporting or other personal consumer reports

he List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX, Account name : XXXXXXXX XXXX XXXX XXXX : XXXX, Account name : XXXX XXXX & XXXX : XXXX, Account name : XXXX : XXXX, Account name : XXXX  : XXXX, has violated my rights. 

I looked at my Transunion credit report on XX/XX/year> 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 generallf, 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.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXXXXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$1300.00} ; XXXX XXXXXXXX Balance : {$1000.00} ; XXXX XXXXXXXX Balance : {$3600.00} XXXX XXXX XXXX XXXXXXXX Balance : {$900.00} ; XXXX XXXX XXXX Balance : {$980.00} ; XXXX XXXX Balance : {$470.00} ; ONEMAIN XXXX Balance : {$9900.00} ; XXXX XXXX XXXXXXXX Balance : {$47.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$300.00} XXXX XXXX XXXX XXXX XXXX : {$58.00} ; XXXX XXXX XXXX Balance : {$230.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$800.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX MORTGAGE SERVI 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: Checking or savings account

I disputed a charge with my bank after a seller guaranteed a refund after they received confirmation that the items were returned. I sent the company proof that the items were returned and the company stopped communicating with me. The company sent me an email on XX/XX/2022 requesting that I cancel the dispute with my bank before they issued the refund. I refused to do so. The company has not made contact with me since then. I filed a dispute with my bank for this and the bank stated that the company did not give a time frame of when the refund would be issued so they rejected the dispute. I have provided documents to the bank providing proof of the guarantee from the company along with delivery tracking information. The bank is refusing to reopen the investigation.
Product: Vehicle loan or lease

XXXX XXXX has failed to produce a right to cure required by my state, committed libel by notating my account as fraud, disclosed privacy to a third party, threatened and harassed via phone calls, called multiple times within short times, told many different stories regarding my account, failed to produce a requested contract.
Product: Debt collection

THIS WAS A EMERGENCY ROOM VISIT AND THE HOSPITAL NEVER SENT TO MY INSURANCE, AND I HAVE NOT LIVED IN XXXX XXXX SINCE XXXX OF 2015
Product: Credit reporting or other personal consumer reports

I have submitted Police reports, then FTC reports, I have shown proof of State issued ID with address. Have requested fraudulent addresses and finance accounts to be blocked and removed from the credit reporting agencies on multiple occasions. The information either remains or reappears later back to my personal credit reports.. I have called the credit unions reporting the information and the credit bureaus. I have followed all requested procedures of relief and to no avail, I am frustrated with this process over the past couple years. They know that I have been a victim of identity theft from Equifax breeches and others compromised companies from my person information to my IRS tax returns, they stole my stimulus in XXXX  XXXX years and the credit bureaus continue to report inaccurate false derogatory accounts to my personal credit reports. I was told to contact this agency for relief, since they seem to dismiss the Police & FTC complaints. They just keep reporting the same derogatory comments month after month with a couple of inaccurate addresses that I have disputed over and over.
Product: Credit reporting or other personal consumer reports

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
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

My credit report shows a charge off. I tried contacting Bank of America, but they did not have any information about the account. When I purchased a home in XX/XX/2014, the account nor charge off was present on my credit report. The name on the account is different than my name. The charge off is affecting my credit rating and ability to obtain decent rates on loans. I had a similar problem with a XXXX XXXX card and was able to clear it from my credit report. I hope this misinformation can be cleared from my credit report as well.
Product: Credit card or prepaid card

On XXXX XX/XX/2021, I made an online payment of {$8500.00} towards my credit card. 
I went to use my credit card to purchase appliances on XXXX XX/XX/2021 and my purchase was declined. I called USAA, the credit card company, and was told by the customer representative, 'Sherry XXXX, that the payment I made back on XXXX XX/XX/2021 has a 7 day hold on it. 
The payment cleared my bank on XXXX XX/XX/2021! 
Consumers should not be held XXXX and denied the use of their credit card when the payment has cleared the bank! 
I was subjected to embarrassment and MAJOR inconvenience. I've had to put the credit card appliance purchase on hold and this creates a delay in the sale of my home! 
CFPB should prevent credit card companies from putting a XXXX7 day delay ' on the credit of a payment when the payment has cleared!
Product: Credit card

I noticed unauthorized transactions on my Discover credit card originating from California, a place I have never visited. I had stopped using my Discover credit card about a year ago and assumed it was secure. However, someone stole my card information and used it without my knowledge. 

The fraudulent transactions occurred around XXXX 2024, totaling around {$500.00}. Upon discovering this, I immediately contacted Discover Bank and reported the unauthorized usage. I requested their assistance in resolving the issue and ensuring these transactions would not negatively impact my credit score. 

Despite my efforts, Discover Bank was unable to fully address the situation. As a result, my credit score dropped by approximately XXXX pointsa significant blow to the score I had worked diligently to build. 

I request that Discover Bank and any relevant parties take immediate action to investigate and rectify this matter, remove the fraudulent charges, and restore my credit score to its original state before the unauthorized transactions occurred. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not received any confirmation on how you have verified the alleged accounts attached in exhibit C and therefore request that you consider this a final notice to your offices. Past this point, the CFPB will have an authenticated sworn testimony from my and which I would gladly present in court if need it be as evidence of my trying to rectify subterfuge that you are reporting. **** ( copy from affidavit ) ****