23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX my husband and I found out a lien was placed on our joint bank account. On XX/XX/XXXX we found out it was from XXXX XXXX XXXXXXXX for a XXXX XXXX which we have never had. Apparently the credit card was opened in XXXX using my social and my address and it was closed in XXXX. The attorneys who filed garnishment could not find my name on file. Neither could XXXX XXXX XXXX. I asked to claim fraud or identity theft and was told to contact the Credit Bureau... .the Credit Bureau said that they cant file a dispute on something that doesnt exist ... .nothing regarding this credit card has ever shown up on my credit report. I go to court tomorrow for a garnishment exemption hearing but then what? Does the Virginia statute of limitations come into play?
Product: Debt collection

I rented a apartment from XXXX which required the tenants to use their power & water XXXX XXXX. The original lease agreement states that all bills to XXXX must be satisfied in order to close out the lease for the apartment. I closed out all my bills and did a final walk thru with no worries. Several months later I received a call from National Credit Systems INC saying I owed XXXX XXXX. This is a total scam. My balances have been closed out but these crooks keep trying to say I owe money. I have been dealing with this for years. these people are crooks and are tied into the scam with the apartment complex which does n't even exist anymore.
Product: Credit reporting or other personal consumer reports

I have asked them to removed old information from my credit reports and they will not removed any information.
Product: Mortgage

XXXX I mailed XXXX XXXX cashier 's check along with the request for recast modification ( on the total loan XXXX XXXXXXXX ) and removal of PMI. 
XXXX PHH acknowledged receipt and applied payment to my account. 
XXXX I noticed XX/XX/XXXX PMI charged. I called PHH to confirm I would not receive any additional PMI fees, and sent a message requesting removal of PMI again. 
XXXX I received a charge for additional months of PMI payments. 
XXXX I requested a review of my account as the charges were in proper. My expectation was PMI would conclude when my mortgage was Recast. 
XXXX PHH responded that everything is in order or their side. PMI is paid in arrears and they have XXXX days to cancel. 
XXXX I think PHH is out of order and I think I should be reimbursed for the PMI payments made in XXXX {$410.00} and the PMI payment made on XX/XX/XXXX {$130.00}. I believe I have interpreted correctly the statements on this site re : PMI. " ... Even if you don't ask your servicer to cancel PMI, in general, your servicer must automatically terminate PMI on the date when your principal balance is scheduled to reach 78 percent of the original value of your home. '' Please review and let me know if I am incorrect.
Product: Mortgage

On or about XXXX I contacted Mr. Cooper about closing my escrow account since am eligible to do so. A supervisor said that she entered the request in the system. I called several times after because I didnt see any movement in my mortgage account. On XXXX, I called back and was told that I couldnt because the loan to value ratio was at 80percent. I demanded a recount as clearly it was an error. Then they stated that I filed for a modification which I never did. Now i wonder if they are adding erroneous documents in consumer files. Then I was told ok we need to send you documents to sign before we can refund your escrow money and close the escrow account. I let them know that I was previously told that a couple weeks back. This is the second issue with this company attempting to hold my money or post funds in ways that benefits them. The last issue in XXXX, they took a large sum sent to be paid all to principal and made an advance payment which gave mr cooper more interest than entitled to. I had to fight to get that corrected. Please pull this companys reviews as many other consumers are stating that they are having similar issues. This company should be investigated for fraud because too many consumers are being affected
Product: Credit card or prepaid card

I received a new Discover Card in the last couple of months. It came with an {$8000.00} credit limit. They send me emails and ask why havent I used the card yet. They offer balance transfers that I must complete by a certain date so that I can take advantage of the XXXX percent offer. However, whenever I try to make a purchase it never goes through. Whenever I try to do a balance transfer it will process for a few days and then get rejected. My card is active and in good standing. I dont know if Discover is being deceitful in their advertising or if this some fluke in their system. A bait and switch scheme of some sort? I just dont know.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account number XXXX Account number XXXX Account number XXXX Account number XXXX account number - XXXX Has violated my rights 15 usc 1681 section 602 8 states I have the right to privacy 15 usc 1681 section 604 a section 2, also states a consumer Reporting agency Can not Furnish your account without my written instructions, So the credit bureau stated that my accounts was properly investigated but how is that possible when open dates are inaccurate, the last dates is inaccurate, the date report is inaccurate, payment history of account info is inaccurate, current year dates are listed on closed accounts recurring debt thats inaccurate, paid and settled accounts are still reporting as current thats inaccurate has not shown verification of debt, public records nor written agreement of any debt as requested in the past or current has not been sent to me as requested by the bureau these are grounds for removal - I send letters and submitted proof by certified mail, and hold copies on what has been send to them to the credit bureau on creditors disclosing & not addressing creditors that has been paid through thirds parties that continue to report accounts inaccurate public records verification has never been verified upon request and inaccurate reporting from all bureau, XXXX, Experian, & XXXX wasnt properly investigated on there behalf XXXX resources reporting through XXXXXXXX XXXX which I have submitted paper work by XXXX nexus stating they have no information in they database of me, so how is XXXX reporting inaccurate or accounts saying its Verify by XXXX XXXX XXXX which the bureau According to 15 usc 1681 I have showed you actual damage Sustained by the consumer as a result of the failure advantage is not less than XXXX dollars and not more than XXXX dollars per violation
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a certified letter XX/XX/2019 asking " XXXX XX/XX/XXXX XX/XX/XXXX'' to provide me with A verification letter about A loan showing on my credit reportXX/XX/2019. The company does not list a phone number on the report, but instead lists a " By Mail Only '' so I assumed the address they are using is up to date and accurate. I received an alert on XX/XX/2019. stating that my letter was being " Returned To Sender '', because the address was " Not Known '' at the delivery address noted on the package. " If the information being reported is inaccurate it is illegal for it to be reported. Please help me have the company comply with the FCRA and either update its information that is being reported to the credit agencies or remove the information all together if they can't provide accurate information. I had 2 accounts lower my credit limits and 1 close altogether because XXXX XXXX XXXX XXXX is reporting incorrectly.
Product: Checking or savings account

A zelle fraud transactions deducted {$680.00} from my Chase ( J.P. Morgan ) checking account on XX/XX/year>. I reached out immediately to Chase customer service and XXXX customer service, after was informed the transaction could not be reversed. I have proof of my bank statement from that month as it was a fraud transaction.
Product: Consumer Loan

On XXXX/XXXX/XXXX, I purchased a XXXX XXXX XXXX for {$12000.00}. I was told that I had to put {$2000.00} down and then only pay a balance of {$10000.00}. I was never told that there would be interest. I was told the monthly payments would be {$330.00} per month. I signed many documents but I was not provided with a copy of any of the documents. I then received a payment booklet in the mail from Credit Acceptance XXXX and discovered that there were 60 monthly coupons for {$380.00} each ( {$22000.00} ). That totaled {$24000.00} ( coupons plus my {$2000.00} down payment ) for a XXXX year old vehicle with XXXX miles on it. The car has many mechanical problems. I have no idea what interest rate that I am being charged. I never agreed to pay back a total of {$22000.00}. I was never provided with a copy of the Bill of Sale or Retail Instalment Obligation. I am a XXXX XXXX earning {$950.00} net biweekly living in a rent stabilized apartment. I would have never qualified for such a loan if my true income was used. I believe the lender 's sales representative committed fraud on my application. I would have rather been denied the loan had I known I would have been saddled with interest, etc. I also learned that I financed an extended warranty as well.
Product: Debt collection

I had a credit card with XXXX with a {$700.00} limit for emergencies. Paid any charges off each time I used it for almost a year. Went on vacation. Lost my card and didnt realize it for a few days bc I wasnt using it as I didnt use it regularly to begin with. Got home and realized the card was not on my purse. Immediately went into the XXXX app and requested to lock it but there was no option to do so. I then called and requested it lock and reported it lost to which the rep said they would and still did not. Charges kept getting made on it. Had to use the call again and requested it be locked and reported it lost or stolen again. They did absolutely nothing. The thief maxed it out. The card had a XXXX balance when I lost it bc I had paid it off and had only took it with me in case of an emergency while we were out of state. After 6 months of fighting with them about it, they put it into collections with XXXX XXXX XXXX. They keep trying to get me to pay the fraudulent charges that I didnt make. Wouldnt do anything to help me resolve the matter. Put it on my credit report as a default. I disputed it 3-4 times on my credit report and still it wasnt removed or investigated at all that I know of. I requested proof from them that the debt was valid. They never supplied me with proof. The account was charged off. I continued to dispute it repeatedly. XXXX sold the debt to another debt collector, Concora, in 2023 and now that collector is suing me. This has been going on for years now and they still have never once supplied me with any proof I owe this debt or that they ever investigated the fraudulent charges made to the card.
Product: Money transfer, virtual currency, or money service

Hello, My name is XXXX XXXX. On XXXX XXXX XXXX I made a XXXX transfer From XXXX to my cousin XXXX XXXX who is at XXXX. The transfer number was : XXXX. I had sent XXXX. The transaction was canceled. I requested a refund from the company. They told me that I would be refunded in XXXX business days but since then I still have not my money. I wrote to them twice in a row but still nothing. That is the reason for which I am writing to you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiries on my credit report that I did not authorize : XXXX via CONSUMERINFO XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX CXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX Balance {$820.00} ; XXXX XXXX XXXX Inquired XXXX XXXX XXXX, XXXX XXXX  Inquired on XX/XX/XXXX.
Product: Mortgage

I would like to report Better Mortgage and XXXX XXXX for false and misleading advertising. Both XXXX and published no origination fees over multiple websites and specifically XX/XX/ I proceeded to apply for pre-approval to refinance a conventional loan based on the XXXX XXXX article. I've attached the initial disclosures and redacted my personal information. I have excellent credit and little to no debt. Origination fee was 6.183 % and the interest rate was 4.375 %. This is just blatant misrepresentation and false advertising on the part of both XXXX and XXXX. I obviously do not plan on proceeding but I would like to make the CFPB and FTC of these deceptive practices in hopes that it XXXX prevent other consumers from these deceptive tactics that could lead to a consumer spending thousands of dollars unnecessarily.
Product: Checking or savings account

The issue here is that pnc will not allow linking my checking account in regards to getting a small loan. This exact issue also poses a problem with a savings plan through XXXX  XXXX. Pnc is virtually the only bank that is controlling their customers life with this inconvienence.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently filed a report with Experian, XXXX, and XXXX  of inaccurate items being reported on my credit reports. Experian and XXXX removed the above mentioned item once an FTC Report and documents to verify my identity were sent. XXXX  did not. Failure to delete items that were disputed as debts which resulted from identity theft is a violation of The Federal Fair Credit Reporting. I never received notification of these debts on my credit reports. This is a defamation of character and misrepresentation of my true credit worthiness. I recently applied for a loan and was denied due to inaccurate information being report on my credit reports. I am exercising my right as a consumer who is a victim of identity theft. I ask that these accounts be deleted within 15 days of these receipt otherwise I will be forced to file a litigation explicitly stating your companys negligence to abide by the Fair Credit Reporting Act and Fair Debt Collection Practices Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SELF FINANCIAL INC/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 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 THEN RECORDS OF CONVICTIONS OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THEN 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

I called Exeter Finance LLC regarding their reporting. They stated the account was charged off in XX/XX/XXXX. I surrendered the vehicle in XX/XX/XXXX. XXXX XXXX XXXX in XXXX GA ( XXXX ) XXXX contacted them via phone and certified mail on 3 occasions as well asking them to recover the vehicle. They refused and charged the account off in their system in XXXX of XXXX. They are reporting the account as open and active ( and also the wrong last payment date ) as of XX/XX/XXXX and have reported over 30 months of late payments on this charged off account. They sent me a letter requesting I settle the balance they recorded as XXXX for XXXX. I requested that they update the account to reflect the charge off and remove any in accurate reporting including the 30 payments reported late during the charge off status. They refused. They said they would report the account as settled and that's it. They advised me to dispute the reporting with the credit agency. I have this correspondence recorded and can attach if needed. They are well aware that the reporting is incorrect along with the balance owed and refuse to assist or take responsibility. 
Exeter Finance ( XXXX ) XXXX acct # XXXX VIN : XXXX XXXX XXXX ( XXXX ) XXXX
Product: Mortgage

XX/XX/2023 - made XXXX mortgage payment and attempted to schedule XXXX mortgage payment ; could not schedule XXXX payment XX/XX/2023 - scheduled XXXX mortgage payment and attempted to schedule XXXX mortgage payment ; could not schedule XXXX payment XX/XX/2023 - attempted to schedule XXXX mortgage payment, but the payment system was going to apply a late fee for {$89.00} XX/XX/2023 - I suggested to the representative that she present the issue to management, but instead she transferred me to another representative named XXXX XXXX operator ID XXXX ) who said that the system does not have the capability for me to submit the payment and that I have to wait until the month of XXXX to submit the XXXX payment.
Product: Debt collection

I was never notified by this company, it appeared on the collection section of my credit report. I did not receive any prior notice about the debt going to collection. Per the CFPB and FCRA rules : debt collectors must provide consumers with validation information, written notice, and initial communication within five days of first contact. I have not received a call, text, email, or mail in accordance with the collection account. That is against the law and my rights as a consumer are being abused without consent or fair representation. I would prefer this to be removed quickly because it has affected my credit score on the grounds of having my private information taken without contact or proof of such debt exists.

Update : the company responded to the complaint on the CFPD stating that an email was sent on the XXXX. Which under my own review it is not in my spam or my email. Again I am asking for hard copy proof uploaded in the response portion of this complaint. Also the response proves that I was never notified, how could they send me an email on the XXXX if the collection was added to my credit profile on the XXXX? By law I must be notified within 5 days before the collection is added to my credit profile and I get 30 days right to dispute. It is illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft. All my person information was stolen mainly my social security number and ID. I ask that the following items listed be deleted as soon as possible. Company reporting this fraud information Credit report Fraud items- Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX
Product: Debt collection

on XXXX XXXX I sent for validation under the FDCPA i have the right to request and receive validation of the Dept. never recived any info and I demand its removal from all consumer files. it's XX/XX/XXXX and still has not recived anything it is harming me from getting credit. they are in violation of the consumer law 806 harassment and abuse 807 False or misleading representations 808 unfair practices 809 validation of debts
Product: Credit reporting or other personal consumer reports

I discovered that I have hard inquiries on my credit report from Citi Card/Citibank and American Express after I received a copy of my credit report. I have no credit cards from them. I did not authorize these accounts.
Product: Debt collection

I started disputing XXXX XXXX XXXX XXXX credit card charges around XX/XX/XXXX. I did all things that I could think of, including filing a police report, calling the bank, going to the local branch XXXX XXXXXXXX XXXX XXXX XXXX three times, filing two more reports at the local branch, filing complaints against both XXXX XXXX XXXX XXXX and its collection agency, which was consuming both time and money wise, as I am using a XXXX phone. It is also a very mentally agonizing experience to me. The credit card was opened using a XXXX address. I explained to the world that I have never lived in XXXX and have been living in XXXX XXXX XXXX. We moved to the XXXX XXXX XX/XX/XXXX. Plus, they sent me the charge statement, which shows that all the online shopping was done and shipped to a XXXX address. It's an easy fix -- go to that address and ask who live there during the period these charges were made! Instead, XXXX XXXX XXXX XXXX chose to victimize me by ruining my credit when they sent this to the credit report companies like XXXX, XXXX, and XXXX. I'm first a victim of an identity theft, then a victim of places like XXXX XXXX XXXX XXXX. I told them that I can prove that I have been living in XXXX all these years, never lived in XXXX. Still they refuse to take this nasty report from credit report companies. XXXX XXXX XXXX XXXX needs to come up with a hard evidence to show that I'm the person who opened a credit card account, used the card without paying a cent. Otherwise, it is worse than ruining a person 's life.
Product: Credit reporting, credit repair services, or other personal consumer reports

someone else 's name and social security number is on my credit report and i do not know the person. 
have tried numerously since the last two received credit reports to resolve the issue
Product: Vehicle loan or lease

The account was with XXXX XXXX Finance. They have late payments listed that never happened. All payments were paid as agreed.
Product: Vehicle loan or lease

I declare under the penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the forgoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements to omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621.

This alleging that a person or a company without my authorization used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC.