23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you 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 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 : {$0.00} ; XXXX  XXXX XXXX Balance : {$4900.00} ; XXXX XXXX XXXX Balance : {$6300.00} ; XXXX  XXXX XXXX Balance : {$460.00} ; XXXX  XXXX Balance : {$6200.00} ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/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: Credit reporting, credit repair services, or other personal consumer reports

Account Name : XXXX XXXX  Account Amounts : {$10000.00} XX/XX/XXXX I disputed this account with all three credit bureaus, Experian, XXXX, and XXXX. There was an update XX/XX/XXXX reflecting a resolution, but my credit report still shows inaccuracies with the agency name and account numbers. According to the FCRA this account is not accurate. Please delete this account from my credit report.
Product: Money transfer, virtual currency, or money service

I transferred XXXX into my checking account from my savings account then. The bank transferred it out and it state to whom or where other than. Reference number it was transferred illegally un authorised to someone else or was stolen. By a bank employee this is fraud my identity has also been stolen along with my passport birth certificate IDs and medical record information I large amounts of money as a little kid in XXXX with XXXX County XXXX XXXX Ref : XXXX XXXX ( XXXX ) also was involved in a car accident in XXXX in XXXX county of XXXX and XXXX XXXX on the on ramp to the XXXX XXXX XXXX the driver was the son of owner of the food chain longs drugs supermarket he also owed the insurance company that insured the hospital & XXXX and XXXX XXXX XXXX seat I flew out of and XXXX XXXX County The case was reference under XXXX  XXXX  XXXX XXXX XXXX estate & irrevocable trust. The city of XXXX XXXXXXXX has the paper work and XXXX XXXX which is the executor of his brother in laws trust which was left to XXXX boy lagacy? XXXX XXXX he was my elementary school principle and it was either him or his lover who crashed into us on XX/XX/XXXX-XX/XX/XXXX XXXX XXXX day or XXXX Sunday in XXXX.
Product: Mortgage

In XX/XX/2023 I escaped a dv situation, with a restraining order and divorce. I became a single mother, with half my previous income. 

I exhausted my savings, and occured significant credit card debt to maintain my mortgage payments, to not fall behind as a rental payment would be about the same, not to mention the negative affects on my credit that will add barriers to housing there after. 

I applied for a loan modification at the end of 2023, and was denied. I was told that because I am not missing payments even though at risk to, I can not get assistance until I do. 
I was offered a deferment. Which meant skip XXXX  months to pay a lump sum of XXXX months at the end. Which kinda sets me up for failure. I was told to sell, defer, and there was no further options for me. 

Can't refinance, can't get loans, because my dti ratio is too high. Because my mortgage is too high, and although I have a good paying job, it's not enough as a single income. 

I paid out XXXX I didn't have, to reduce what I can by removing my mortgage insurance. Unfortunately although XXXX XXXX got my check. They sat on it and waited over a month maybe XXXX, to even submit for the appraisal to remove it. Which delayed the only small reduction I have available to me, by XXXX to 2 months. 

I have contacted every nonprofit in XXXX XXXX, who all directed me to speak with my servicer. 
Other services would be happy to help, but, my servicer is not them. 
I spoke with every resource I can find, I was given. 
HUD hope XXXX, all suggested I speak with my servicer since my income is less than my monthly expenses and I'm in imminent risk. 
Who will not even speak with me until I miss a payment. 
Or homeowner assistance fund, which is closed to new applications, while requiring my local hah ( access ) to apply for me, whom won't help me unless I was renting. 

I even called Fannie mae, who backs my loan. And they directed me to work with my servicer for relief due to financial hardship. 

So I spoke with newez twice more today, to still be denied, and provided the same resources I already called prior, that sent me to call them in the first place. 

I'm being ran in circles trying to salvage my life, keep my home, and maintain what credit I have left after the debt I was left with by my abuser, while accruing more to feed myself and my son. 

I'm not asking for a hand out. But timely processing of my mpi removal would have been nice since it's the only thing I had to alleviate my expenses. ( I already removed and reduced every single thing I can at this point ) And a simple modification to make this more affordable. XXXX there is no options out there for a single parent when it comes to a mortgage, with a servicer that refuses to help until your already in a hole.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 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 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 ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires them to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Bank account or service

I tried to use my debit card at an ATM on XX/XX/XXXX so that I could pay for lunch for my family. For some reason, this locked my ATM card. I spent an hour on the phone trying to get a hold of a Fraud Specialist but I never got through. I have sent emails and tried multiple times since XX/XX/XXXX Sunday to reach a representative but have never gotten past the 'hold music ' -- I have also not received a response email from XXXXXXXXXXXX - which is the email they suggested I use. I need my card unlocked. Bank of America has a flawed system!
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally multiple times since XXXX to XXXX because I was a victim of the XXXX data breach. I want XXXX XXXX XXXX XXXX, IN account # XXXX for {$350.00} on collections, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX  unknown acct number but shows on XXXXXXXX XXXX system. I want these items Deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing. The engagement # XXXX with XXXX were they admit their breach, complaint # XXXX. Please help me delete these illegal accounts from my credit reports.
Product: Debt collection

I received a notice exhibit 1 in uploads, from Caine & Weiner dated XX/XX/year> claim they are a debt furnisher, this letter didn't advise me that I could dispute or how to dispute and it was very vague. Within ten ( 10 ) days of the date of their letter the debt collector updated this negative item to all three consumer reporting agencies. This update took place on XX/XX/year> and it was done without my written or verbal consent. Their initial letter didn't give notice that I could dispute their collection, nor did it provide the option to opt out of their communication and furnishing. 

Caine & Weiner violated my rights and the laws of the FDCPA, first by NOT obtaining written permission to furnish information pursuant to 15 USC 1681 ( b ) ( 2 ). The second violation was pursuant to 15 U.S. Code 1692g, as they did NOT send me the required written communication within five ( 5 ) days of the original letter furnishing the five ( 5 ) required information below : ( 1 ) the amount of the debt. ( 2 ) the name of the creditor to whom the debt is owed. ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector. ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. 

After an alert from my XXXX monitoring account that this was updated to my consumer report, I sent a cease-and-desist letter ( uploaded copy ), as well as a validation of debt letter ( uploaded copy ) to Caine & Weiner dated XX/XX/year> with USPS tracking number XXXX XXXX My letter addressed the violations above and it demanded they remove this item from my consumer report as well provide. I have now received another notice from then dated XX/XX/year> ( exhibit 2 in uploads ) stating that my account with XXXX insurance has been listed with their company for collections. This second notice from Caine & Weiner still doesn't meet the five mandatory points listed above pursuant to 15 U.S. Code 1692g ; nor did the most recent notice provide tall of the information I requested in my validation of debt letter. This isn't acceptable as they clearly have already violated the FDCPA regulations and have now harmed my character and any chances of me obtaining credit for personal improvement in my financial wellbeing.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account number : XXXX Account name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account number : XXXX Account name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX
Product: Checking or savings account

On XX/XX/XXXX I deposited a Cashier 's check via Chime 's Mobile Deposit feature. Initially, the notice I received stated the funds would be available by XX/XX/XXXX. A day or 2 later, I received a message that the funds wouldn't become available until XX/XX/XXXX. This is a clear violation of Federal Funds availability policy where at least the first {$100.00} is to be made available for any check deposits. I contacted their customer service via Chime 's chat feature and was told by both a representative and a supervisor that the funds could not be made available until XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I've sent out multiple letters to Experian XXXX XXXX XXXX but they are not complying with 15USC 1681e ( b ) ,15 USC 1681S-2, 15 USC 1681i ( 5 ) & 15 USC 1681c ( c ) After doing some extensive research i was informed that CFBP has started a lawsuit against these " agencies " for sham investigations in credit reports Longwith inaccuracies, these agencies don't properly report or investigate and fails to remove inaccurate information from reports even after receiving disputes from consumers
Product: Debt collection

XXXX XXXX has violated my rights by Reporting this debt to my consumer report. A debt that is not mines. This agency is also in violation of USC 1692G. They were to notify me of this in writing 5 days prior, and I was not. As I look at my consumer report, I realize that when this account was opened, I was under age, so it could not have been me that opened this FRAUDULENT ACCOUNT. I have uploaded a copy of my ID for proof of age and residence
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there is still another account that needs to be UPDATED. The XXXX and XXXX credit bureaus must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that this disputed account get corrected. 
XXXX XXXX XXXX XXXX : {$27000.00}.
Product: Credit card

Equifax has continued to list fraudulent activity on my credit report even after XXXX letters I have sent them. Yes you read that right, I have sent this company a total of XXXX letters and countless faxes outlining the fact that my husbands ex wife tried to open many accounts in my name. The other credit bureaus cooperated but Equifax continues to try and hold me responsible for inquiries that I did not make, allow and was not aware of. They do not report accurate information and as a hard working public servant I expect more from people.
Product: Mortgage

I was laid off in XX/XX/XXXX from Bank of America where I have my mortgage loan. In XX/XX/XXXX I was hired at another company but my income was decreased. I applied for home loan assistance with Bank of America and was declined. In XX/XX/XXXX I applied again for home loan assistance because I was going through a divorce hardship. Bank of America refused to follow up with my loan application and prolonged the process for months. My counselor never contacted me in a timely manner to let me know what documents were needed to review my application. The only want I would know that something was missing from my application was to call her. The representatives never returned my calls in a timely manner. In XX/XX/XXXX, I finally received that a notice that my application was declined because there was no evidence of hardship. After speaking with a representative she advised me that I could appeal the process and another representative advised me that because I was divorced I did have a true hardship but that I would need to reapply. This conversation took place on Tuesday XX/XX/XXXX. The representative advised me that I would get a new application package overnighted to me the next. I still have not received this application. Bank of America has been the worst bank and they have not tried to assist me. I am fed up and would like help immediately. I feel that this is a UDAP issue because they have prolonged my application and because my loan was declined when I did show hardship.
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 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 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 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting 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

My account with XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in Late 30 Days and Late 60 Days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had to make disputes twice already against car financial services for incorrect reports they have made to transunion. Which they finally corrected after telling me they could not remove the incorrect info. Then XX/XX/2022 they once again have reported false information to transunion stating that I am 30 days delinquent in the amount of XXXX $ I made that payment via automated system through my checking account on or about XX/XX/2022. As of XX/XX/XXXX car financial does not even hold the loan for the account. I have repeatedly had problems and discrepancies about monies owed to them.In one day their mishandling my information caused my credit score through transunion to drop XXXX points
Product: Student loan

I am a full-time teacher. 
I have been waiting on the phone for 4 hours. 
I would rather stay on the phone because the call back option has not functioned properly with past attempts being that no call has been returned. 
There is no email option as well. At least with the loan service -- before consolidating with MOHELA -- had an email option to communicate efficiently with real people. 
This is not the first time I have called MOHELA and waited an excessive amount of time for a service member. 
This is a poor way of treating educated professionals who are eagerly trying to manage their loans and personal finances. This loan service is lacking integrity.
Product: Mortgage

I have repeatedly requested clarification from Statebridge Company as to their charging of {$370.00} per month for what they claim to be escrow. Statebridge had been charging me for forced placed insurance since XXXX, according to their response to the CFPB complaint, although I have never been without my own insurance for the property in question. I had faxed proof of insurance to Statebridge, to a fax number they provided but later claimed to not be associated with. The same number ( they claim to have no association ) is currently being used by them so their claim to not have received my faxed insurance docs is false. Statebridge eventually acknowledged receipt of insurance coverage and stated they would be sending a check to me for the fees they wrongly charged. In a conversation with team lead, XXXX, the amount of {$1700.00} was quoted by XXXX to be the amount of the payment they sent on the XXXX of XXXX. 
The XXXX and XX/XX/XXXX mortgage statements I have received show an amount of {$5900.00} ( approximately ) as the current balance of my escrow account. This amount is in excess of the amount needed to cover my property tax for the entire year. Although my escrow balance is approximately {$1700.00} more than needed to pay my taxes for the year, Statebridge continues to assess me {$370.00} for taxes ( funding the escrow account ). The {$1700.00} payment claimed, by XXXX, to have been sent to me on XX/XX/XXXX has still not been received. 
On XX/XX/XXXX, I received an email from Statebridge Team Lead, XXXX XXXX, claiming to have forwarded my inquiry regarding the escrow charge and missing payment of {$1700.00}. To date, I still have not received the payment or an explanation for the {$370.00} monthly escrow charges.
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 tot privacy and confidentiality under 15 USC 1681. 

Account name : XXXXXXXX XXXX XXXX account # xxxxxxxx XXXX contact : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX  XXXX, DE XXXX XXXX This account has been closed and wish to be removed from my credit report Account name : XXXX XXXX XXXX XXXX XXXX I do not recall this information and debt, I wish this to be removed from my credit report Account name : XXXX XXXX XXXX account number # xxxxx XXXX contact : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX This has been closed and paid off and wish to be removed from my credit report Account name : XXXX XXXX XXXX XXXX contact : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX I have not given them approval to run my credit and I wish this to be removed from my credit report 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 written instructions 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of information any other adverse item of information, other than record of convictions of crimes which antedate the report 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.