23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Complaint number : XXXX Date submitted to CFPB : XXXX/XXXX/2017 Date sent to company : XXXX/XXXX/2017 Product : Debt collection Issue : False statements or representation This case was closed because Focus responded to your inquiry. It should be reopened as Focus is deliberately misrepresenting the debt. As noted in their response to you, they claim a {$500.00} debt to XXXX. In another response to me directly, they claim a {$500.00} debt to XXXX XXXX ( again for an account I 've never had ) and had XXXX XXXX Collections try to support that claim. A return letter was sent to XXXX XXXX pointing out the obvious errors in their claim, including a different last name.
XXXX XXXX XXXX representative XXXX XXXX XXXX again lists the last name as XXXX in her response to CFPB though that last name was sent to us in reference to XXXX XXXX XXXX claim. The fact that two different companies claim the same dollar amount from one XXXX ( who is obviously not me ) and both Focus and XXXX filed claims against me show obvious collusion, misrepresentation and fraud on behalf of both collection agencies and their partner " companies. '' Consequently, I ask that CFPB intervene on my behalf as well as all like consumers. Based on my online review of Focus and XXXX, I believe them to be predatory and fraudulant in general and certainly in particular to my case.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several letters, made phone calls, faxed info, and wrote the ceo email address regarding my issue and it has yet to be resolved. There is an account with XXXX XXXXXXXX XXXX showing twice on my credit report, i have documentation from the organization. The document states the account should be brought current. All experian keeps stating is that they verified the account belongs to me. I am well aware that it belongs to me. I am not disputing that account, i am disputing the status. Would like this corrected right away
Product: Credit reporting or other personal consumer reports

An account was open without my knowledge. This is identity/fraud theft.
Product: Debt collection

I leased an apartment from XXXX XXXX and leased the apartment from the company for nine months while never being late and never causing any problems with the apartment. The apartment complex had a serve roach infestation issue that could not be fixed. Due to my health issues my doctor informed me i could not be around the pesticides nor the roaches due to them causing me to become very ill. I talked to the property manager several times along with send her emails complaining about the issues with the apartment causing me to become ill. She arranged a face to face meeting with her regional property manager and after me presenting the doctor information along with pics of the issues with the apartment she informed me that i would just have to indure the issues until my lease ended or pay a relenting fee to be let out my lease. I informed her that i am fully XXXX and i could not live under those conditions and so i put in a 60 day notice to vacate and asked her to use the {$500.00} deposit i paid to cover any fee 's that occurred.
Product: Debt collection

Someone stole my identity and opened many accounts without my permission or authority.
Product: Credit reporting or other personal consumer reports

I am writing to formally address a violation of the Fair Credit Reporting Act ( FCRA ) Section 611 ( B ) regarding the reinsertion of previously deleted material into my credit file without proper certification of accuracy and notification to the consumer as mandated by law. There is a fraudulent auto loan by XXXX XXXX XXXX - ( PARTIAL ACCOUNT NO : XXXX .... ) and fraudulent bankruptcy by XXXX XXXX XXXX XXXX XXXX - DOCKET NO : XXXX were opened under my name without my knowledge and I am asking to block and delete these fraudulent accounts because I have no knowledge about these accounts.
Product: Debt collection

On or around XX/XX/2019, I received a letter from Midland Credit ManagementXXXX Midland Funding which clearly states We have closed your account and ceased collections, you have no further obligation regarding this account. 

On XX/XX/2019I was notified by XXXX  that they investigated the account because it was still showing on my credit file and XXXX  deleted it from my credit file. Also on XX/XX/2019XXXX  also investigated the same matter and also deleted the account from my credit file. 

On XX/XX/19I received a Civil action through my local district court for the same account. The attorneys name for Midland Funding is XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Some billing errors on my credit report display late payments inconsistent with my usual habits. Please rectify these errors. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

The Tax lien is incorrect please remove. 
XXXX Recorder of Deeds Date FiledXX/XX/2010 Type Release of tax lien Reference XXXX Plaintiff STATE OF GEORGIA
Product: Mortgage

When Covid hit back in 2020 we were not able to afford our mortgage and we were put into forbearance with Wells Fargo. After two years they reached out asking if we were able to make payments again to which I said yes. It was then that they suggested that I apply for loan modification as it could put me in a better position with monthly payments and get me back on track. I agreed and begin the application process with them. After four different attempts with them, they kept restarting the process because they would lose documents and say that they didnt have enough information and make me start the process over again. This went on for about a year and Ive still been trying to get into a loan modification, and now they are telling me that I am denied because my loan is too far in default that the payments would be too high. The only reason that the payments would be too high is because theyve had me trapped in this loan modification application process for a year while offering me no other alternative to resolve the matter. Now they are telling me my only option is a short sale when from the beginning I was never trying to go that route. I was trying to work this out with them for over a year and have hundreds of documented conversations and emails with them about this. They are now telling me I either need to pay {$71000.00} or short sale my home. None of those are options I wanted or planned for or have been working with them diligently for a year. Please help stop this madness with Wells Fargo and allowing them to take advantage and do this to people, and leave them in bad positions.
Product: Credit reporting or other personal consumer reports

THIS IS A XXXX XXXXXXXX XXXX FROM XXXX XXXX XXXX AND I HAVE SPOKEN WITH THE FINICAIL DEPARTMENT TO CONFIRM THIS LOAN WAS A LOAN I DID NOT HAVE TO PAY BACK AS I AM A XXXXXXXX XXXX XXXX XXXX YET THIS REPORT 'US DEPT EDUCATION ' IS ON MY REPORT FOR YEARS AND WILL NO GO AWAY THUS I AM GETTING DENIED FROM LENDERS RESULTING TO POOR CREIDT SCORE. 
FINIACIAL DEPERTMENT COULD NOT EXPLAIN AS TO WHY THIS IS ON MY REPORT REFLECTING WRONG INFORMATION AS XXXX XXXX XXXX XXXX XXXX I APPROVED FOR IS A XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I DID NOT AND STILL NOT ABLE TO PAY OFF THIS LOAN AMOUNT AS THIS IS TOO LARGE AND I HAVE ALSO MENTIONED THIS TO XXXX XXXX XXXX XXXX. PLEASE, I CAN NOT MOVE FORWARD IN MY LIFE WITH THIS LOAN STILL RECURRING
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, I received a letter saying it has been verified, knowing the the information on my credit report is inaccurate. They never provided me with names, addresses or phone numbers to individuals during their investigation or my signatures. I demand they delete this information from XXXX XXXX XXXXXXXX account # XXXX with a balance of {$5500.00}. This is round XXXX of my letters being sent and I want this deleted asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an outstanding balance with comenity bank but have no account with them. They have said i have been delinquent and the amount keeps increasing.
Product: Mortgage

On XXXX XXXX XXXX, I went to Ocwen Loan servicing website to check our mortgage account. I found that Ocwen failed to report to all the credit bureaus on XXXX XXXX as being current. Ocwen is reflecting for XXXX XXXX, no payment history available for this month! Per Ocwen payment history on us it reflects that Ocwen received our XXXX XXXX payment on XXXX XXXX XXXX. Also, per our credit history that Ocwen has, it reflects that on XXXX XXXX that no payment history available for this month! You can view these documents in scan # XXXX which is provided. Ocwen also reflects that XXXX to XXXX XXXX, there was no payment history available. This is inaccurate. Per Ocwen print out, it reflects that we did make our payments for those months and on time! You can view this document on scan # XXXX. We paid Ocwen Loan Servicing and they are required by law to report accurately. As you can see, Ocwen Loan Servicing has failed to report accurately, violating federal law! By not reporting accurately, Ocwen has caused future creditors to potentially not approving us to have a loan due to these inaccuracies. This is a clear violation of our rights which must be addressed and resolved immediately!
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestagation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systematic issues, such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of disputes outcomes. These failures align with my experience, where Experian has neither corrected or removed disputes items despite the evenidence i provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or ammend the disputes accounts. As Experians inaction violates federal law and my right as a consumer.
Product: Credit card or prepaid card

In XX/XX/XXXX I notified Capital One in writing via post that XXXX charges on my statement were fraudulent ( XXXX {$50.00} each ). No response from company. In XX/XX/XXXX I called their Customer Service number. They verified that my letter was received in XX/XX/XXXX but no action had been taken by them. I called again a week later because I still had not received any further word on what was being done. Very frustrating call with several transfers. I ended call by demanding an email telling me when I would have the charge and resulting interest removed from my bill. I never got any email ever. At end of XX/XX/XXXX I called again. They said destroy my card and they would send a new one. Which they did. They also said they would contact me the next day about getting the charge and interest dropped because the supervisor was n't there that day. Apparently the entire global company only has one individual who gets things done and he or she was out that day. The charge is still on my bill as of today. This morning I called 3 different phone numbers trying to reach a real human and spent an hour in automated phone system XXXX. Capital One has violated the 30 day confirmation law and the 90 day investigation resolution law. And I have wasted much valuable time. Thank you.
Product: Money transfer, virtual currency, or money service

Money was transferred to the wrong person and I never received my funds from sender. Also funds were went to the wrong persons on a few occasions.
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX
Product: Credit card

I had a balance of over XXXX with this company that I PAID OFF like most responsible adults. Once the card with paid off, I locked it and put it away in my filing cabinet. All of a sudden I get something in the mail saying I had a XXXX balance. I spoke to numerous reps which some said it was resolved and others said investigation is still ongoing. In the meantime Barclay sold my debt to a third party without contacting me nor did they have an XXXX call me regarding this. My history is proof, I paid off their balance, never missed a mortgage payment and pay all other bills on time. This negative report has prevented me from refinancing my house with XXXX at a XXXX % interest rate prior to the inflation. How much money did I lose from this? Someone should be held accountable but I'll settle for it removed. Please contact me with further?
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
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 XXXXXX/XX/XXXX
Product: Bank account or service

On XXXX/XXXX/XXXX, I opened a Citigold checking account with an offer / promotion stating I would receive XXXX Thank You points within 90 days after I complete the necessary criteria / requirements. On XXXX/XXXX/XXXX, I communicated via chat with a Citi Rep. named XXXX, who did confirm the validity of the promotion & eligibility of my account whereby I recalled that I had received from Citi. I further asked XXXX for a confirmation before I would fund the account, and he did assure me. Then, on XXXX/XXXX/XXXX, I communicated by phone with another Citi Rep. named XXXX who also confirmed that the validity of the promotion & eligibility of the account, and stated I had completed all the criteria required by Citi. Earlier this month of XXXX XXXX, after confirming the validity of offer/ promotion to my account, confirming the eligibility for the bonus to the account, and affirming that my account had met the requirements, Citi has more than once refused to honor the offer asking that I would provide proof or a postcard by mail. Regretfully, I do n't keep mail around for XXXX months, esp. having already confirmed with more than 1 Citi Rep. that my account is qualified & eligible for the offer & bonus and no one from Citi specifically asked for it then of 5-6 months ago, or nothing was ever stated then about a need to keep it. 
I 'm not alone ; it appears that hundreds of Citi customers are in the same situation as me from various internet sites & forums. I certainly feel deceived and that much of my valuable time / effort have been taken. I did hold up my end of the bargain, but Citi did n't or has n't. Therefore again, I respectfully ask Citi to make it right by honoring the written & verbal promises that will award the bonus points to my account ; otherwise, I sincerely request that CFPB will further assist my claim. My sincere thanks to all.
Product: Checking or savings account

I contacted Discover Bank to dispute a {$25.00} fee that XXXX took from my account then lied to the CFPB and said they did not take it from my account for a NSF charge when the check had already cleared the bank! Complaint XXXX and my response to that complaint is below! Then the bank said they did pay it but I would be on hold for 45 min waiting to file the dispute or more! I told XXXX I could not wait as I work for the State of IL Dept of Employment and told XXXX her manager the same and asked them if they could file it for me as we are working 12 hour days and they only allow us two fifteen minute breaks a day and an hour lunch which I was calling on! So I am not able to call and sit on hold at any time and need to get the dispute filed, they would not do it and kept telling me to call back to XXXX. They will not listen. Please contact their corporate office and have them dispute and reverse the {$25.00} fee they paid to XXXX XXXX which was XXXX which was the fee they just told you they never received!! 


LIARS!!! I updated this complaint as well as the complaints I have filed with the FTC and the IL Attorney General with the letter I just received yesterday from these crooks all with screen shots for all transactions made on my account which show the exact dates and amount to taken from my checking account! The check was submitted XXXX times by XXXX XXXX Bank for  XXXX XXXX and paid full on second attempt which is NOT and NSF! Then a week later these crooks stoled by ACH the {$25.00} fee for nothing! Yes they did get it my bank did not decline I have proof of all so do you as I sent all to your report fraud email address to give to you and so do the other regulators! I want my money back now or I will sue and for a whole lot more in fact! XXXX was sued by the FTC recently for the same fraud and had to pay billions as was XXXX XXXX, they have not learned and need to be shut down!
Product: Vehicle loan or lease

Ally Financial has been sued by the government and won. They discriminate against XXXX and XXXX race of consumers and was found guilty. Ally Financial never payed me my lump sum for and consumers who purchased their vehicle in XX/XX/2011. Ally Financial are thieves. I DEMAND THEY RELEASE MY TITLE IMMEDIATELY TO XXXX. XXXX REACHED OUT TO THERE CUSTOMER SERVICE DEPARTMENT WHICH IS OFF SHORE AND RUDE AS XXXX NO FAX MACHINES CANT SEND EMAIL JUST PATHETIC. THEY OFFERED ME A SETTLEMENT OF 40 percent off which would be 797. They failed to send XXXX the information. I demand ALLY IS VIOLATING MY FAIR CREDIT BILLING ACT 1666b I never received any bills stating I owed a late fee. THIS COMPANY HAS VIOLATED MY RIGHTS UNDER 15 USC 1681 SECTION 602 states I have the right for privacy. They are paying offshore customer service representatives who barely speak XXXX and they are holding my title causing pain and suffering. 

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account undeXXXX XXXX  open end consumer credit plan as late for any purpose. 
XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 XXXX XXXX
Product: Debt collection

Claimed that I owe money from a debt from 2007, says they have mailed validation I have received nothing. Claims a judgement was filed against me and that I will be served us less I pay them today
Product: Credit reporting or other personal consumer reports

I am troubled by the presence of public records on my credit report that I was previously unaware of. It is imperative that you rectify this issue promptly and remove these records from my report.
Product: Credit reporting or other personal consumer reports

To whom it may concern, In accordance to the fair credit reporting act my right have been violated 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A Section 2. A consumer reporting agency can not furnish an account without my written consent 15 USC 1666B. a creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late for any purpose I am requesting all late payments to be removed from my credit reports but especially late payment that is on my credit report regarding a late mortgage payment.
Product: Credit reporting or other personal consumer reports

According to the consumer law, you are in violation. Code 15 usc 1692j states It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. 12 U.S. Code 582 - Receipt of United States or bank notes as collateral. No national banking association shall hereafter offer or receive United States notes or national-bank notes as security or as collateral security for any loan of money, or for a consideration agree to withhold the same from use, or offer or receive the custody or promise of custody of such notes as security, or as collateral security, or consideration for any loan of money. Any association offending against the provisions of this section shall be deemed guilty of a misdemeanor and shall be fined not more than {$1000.00} and a further sum equal to one-third of the money so loaned. The officer or officers of any association who shall make any such loan shall be liable for a further sum equal to one-quarter of the money loaned ; and any fine or penalty incurred by a violation of this section shall be recoverable for the benefit of the party bringing such suit.
Product: Credit reporting or other personal consumer reports

Earlier today, I was shocked and deeply disappointed to discover unauthorized inquiries on my credit report. I check my report regularly, but this time, I found unexplained discrepancies. I refreshed my browser, hoping it was a technical issue, but the inquiries persisted. This ongoing issue is causing me significant distress, and I urgently request that my documents be thoroughly examined to resolve this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I try to get a hold of Syncb Inquiry but the number listed is disconnected. I did not initiate a request from them and don't even know who they are. this was a Inquiry from XX/XX/2018 2018