23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We have been approved for a trial payment plan for a HAMP loan modification. The unpaid principal balance for the loan modification would be {$580000.00}, but the ending scheduled investor balance is {$520000.00}, based on the XX/XX/XXXX remittance report. According to the Pooling Service Agreement of the Option One Mortgage Loan Trust 2006-1, Section 4.04 Remittance Reports ; Advances, the obligation of the Master Servicer to make Advances is mandatory, even if the mortgagor does not make payments.
Product: Debt collection

My checking account was garnished in the amount of {$9500.00} on XX/XX/19, the day my financial student aid was deposited. Bank of Hawaii honored that judgement. Federal law exempts student financial aid, student loans ans SSI from  garnishment. These are my only source of income and no other money is in my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have multiple multiple times contacted the listed below companies and filed disputes for this ongoing issue with the fraudulent charges reported to my credit upon which they fail to remove the items or provide any additional proof of anything legally required and validating it to my responsibility. I contacted XXXX, Equifax and XXXX. Here 's the issues that I have w these companies XXXX XXXX XXXX - XXXX XXXX XXXX-XXXX-XXXX XXXX   {$620.00} XXXX XXXX - XXXX XXXX XXXX-XXXX-XXXX BAL {$430.00} XXXX XXXX XXXX-XXXX-XXXX BAL {$1400.00} XXXX   XXXX XXXX - XXXX XXXX-XXXX-XXXX BAL {$690.00} XXXX XXXX XXXX - CHARGED OFF AND REMOVED FROM CREDIT PER XXXX   AND XXXX {$0.00} BALANCE XXXX/XXXX IS AGAIN PULLING ON MY CREDIT FROM THE ORIGINAL FRAUD ACCT ABOVE WITH XXXX XXXX  XXXX {$690.00} XXXX XXXX IS FRAUDULENT ON MY REPORT AND DISPUTED BUT REFUSED TO DELETE AND UPDATE ALSO W BAL NOT GIVEN XXXX BANK - 4X REPORTED IMMEDIATE FRAUD AND WON'T DELETE BALANCE {$200.00} SAME FRAUD ISSUES W XXXX XXXX ( XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX AND BOTH XXXX XXXX ACCTS OPENED ONLINE WITH NO IDENTITY VERIFICATION EITHER ON ANY OF THEIR PARTS OR SIGNATURE, PHYSICAL ID NOT OBTAINED OR ANYTHING. I WANT THIS MATTER ADDRESS ED AND IMMEDIATELY REMOVE THEM FROM ALL. MY CREDIT BEAURUS
Product: Credit reporting or other personal consumer reports

This is my second notice asking the following credit bureaus TransUnion, XXXX and XXXX to remove This is my second notice asking the following credit bureaus TransUnion, XXXX and XXXX to remove the following account : XXXX XXXX XXXX XXXX XXXX XXXX  account number : XXXX XXXX aka. account number XXXX aka : account number XXXX unsure why XXXXne account reports as three different names per consumer report with three different accounts numbers a different one on each report from my consumers report. 
Also remove all late payments attached with a XXXX  account and change the payment status to current because of the Care Act. Under 15USC 1666B this is a billing error always paid on time, this is an error, and this account is in violation of the Care Act.

Under 15 U.S. code 1681b Permissible purpose of consumers reports, I have NEVER given you written notice and consent to report ANYTHING on my consumer reports. As a consumer by law this account must be deleted, or late payments must be deleted immediately, or I will seek monetary compensation damages in small claims court in my state and city. The letter will also be sent to XXXX and Attorneys General Office and Federal trade commission. 15 USC 1681 ( a ) this company is in violation of my rights to privacy and information I want to be private that is posted on my report is a violation. Infringed upon my right of privacy, there are so many errors of FCRA violation, this account is unverifiable and inaccurate. from my consumers report. Under 15 U.S. code 1681b Permissible purpose of consumers reports, I have NEVER given you written notice and consent to report ANYTHING on my consumer reports. As a consumer by law this account must be deleted, or late payments must be deleted immediately, or I will seek monetary compensation damages in small claims court in my state and city. The letter will also be sent to XXXX and Attorneys General Office and Federal trade commission. 15 USC 1681 ( a ) this company is in violation of my rights to privacy and information I want to be private that is posted on my report is a violation. Infringed upon my right of privacy, there are so many errors of FCRA violation, this account is unverifiable and inaccurate.
Product: Vehicle loan or lease

The account XXXX is listed on my credit reports as an unpaid charge off. I have mailed a few letters to Ford Motor Credit customer relations in hopes of settling the debt or at least reaching an agreement, in writing. Each letter results in a denial of accepting whatever payment amount I offer. In my most recent letter dated XX/XX/2020 I offered to pay {$4200.00} for the car and the response was, " XXXX  declines to accept your request to settle your balance. '' I would assume at this point either filing for bankruptcy to be completely done with this account would be the next best step considering that Ford has not made any attempt to pick up the car, which they can do at any point with no fight. The pandemic has greatly impacted my household and I'm ready to be done with this account. It is not only impacting my credit profile but the car doesn't even start which is shocking considering it is up to date with all maintenance check ups and is simply not worth the XXXX  anymore. I believe that the original contract is in full force and effect and would call for Ford to reclaim the car and credit the value of the car and any balance left I would be responsible for.
Product: Checking or savings account

When opening my Chase Premier account the Bank Manager indicated the exclusive benefits on the account would remain in perpetuity, Fee cashier check, free money orders, free safety deposit etc. He indicated the account would " grandfather in '' and would not change with new account promotion. 

After XXXX  years chase will start charge me XXXX a month for the service. 


I would like to have chase abide my the committment to grandfather my account and it should not change or be switch and I should keep the same service with no additional fee and should not have to maintain a monthly balance of XXXX to avoid a monthly fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed several accounts with inaccurate information directly to the bureaus but they haven't neither sent any answer nor repair or delete the accounts as i demanded while disputing.
Product: Debt collection

This company has attempted to call me during work hours to attempt a debt in which they obtained illegally. It is against the law to buy a person 's information and I also do not have a written contract with them. When I ask them to remove this report from the bureaus, they said " they can not do anything unless I verify my personal information with them first '' This has turned predatorial and also releases me from the original contract. I did not reenter any written contract nor sign any paper work with this company. They are asking to pay them over XXXX which wasn't even the balance of the original contract either. Further I did not give any permission for this company to report anything to any credit bureau. They have did this without my acknowledgement. They have not been able to verify anything of this said account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX 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 602 A Section 2 : It also states a consumer reporting can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the alleged debt referenced in your recent correspondence and request validation in accordance with the Fair Debt Collection Practices Act ( FDCPA ). I demand competent evidence demonstrating my legal obligation to pay, including proof of the debt, chain of title, errors and omissions policy number, and any relevant documentation. I require a response within 30 days, failure of which will result in the removal of references to the debt from my credit file and cessation of collection activity. Any negative reporting to credit bureaus must cease immediately until this matter is resolved, and I demand the balance be XXXX out if validation is provided. Failure to comply will result in further legal action to protect my rights. 

Account XXXX XXXX XXXX - XXXX Last 4 Digit of SSN : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is showing a XXXX  point drop on my credit report and there is no justification for this. I already have a complaint against XXXX XXXX XXXX  for their massive failure to run the card in a legal and moral manner. I lost my job recently and would like to see my credit report reflect that factor. I would like to dispute most of the information TransUnion is showing for me currently.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm relocating to Arizona and looking to purchasing a new home there. I checked my credit score just to see what was on my report because I haven't checked it in a minute. While checking my report I saw a couple of items that are not mine. I have reached out to the FTC and my local police department and I am doing this on my own behalf. These items need to be deleted from my credit report. XXXX, XXXX, XXXX XXXX, XXXX XXXX. Inquires : XXXX XXXX.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
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 or other personal consumer reports

SUBJECT NOTICE OF INTENT TO FILE ARBITRATION FOR CONSUMER REPORT VIOLATION To Whom It May Concern : I hope this letter finds you well. I am writing to express my concern regarding the accuracy and integrity of the information contained in my credit report, which is maintained by your agency. I wish to emphasize my commitment to fair and accurate consumer reporting. These violations have had an impact on my Creditworthiness and have caused me undue financial hardship and emotional distress. After careful review of my report, I have identified several instances where the information provided appears to be in violation of the Fair Credit Reporting Act. I have sent several letters trying to fix this matter which you have willfully neglected my attempt to rectify this matter. I have kept dates and responses provided via CFPB portal. 
I also want to let you know the original agreement. The Arbitration clause within agreement outlines a mechanism for dispute resolution that's we both agreed upon. Its hope that we can resolve this matter amicably and avoid the necessity for Arbitration, which will result in substantial cost and fee for us both because this is causing me a lot of issues in my financial Life. 
I propose the following options for resolution : Option 1 : remove the following items reporting inaccurately below : XXXX. XXXX ACCOUNT # XXXX 2. This account is reporting inaccurate please delete or pay fine of {$1000.00} per violation 3. Option 2 : Initiate Arbitration 4. Should your Company prefer not to remove the flowing items above, I AM PREPARED TO INITIATE ARBITRATION PROCEEDINGS AS ALLOWED BY OUR AGREEMENT. This process may entail substantial costs and fees including my filing fee, your filing fee, Arbitration initiation fee and arbitration deposit, and any legal costs incurred during the arbitration process. 
5. I believe that an amicable resolution is in the best interest of both parties, however, I am prepared to pursue arbitration should that be necessary to uphold my rights and ensure fair credit reporting. 
SINCERELY, XXXX XXXX XXXX XXXX XXXX : XXXXXXXX XXXX XXXX XXXXXXXX.
Product: Credit reporting

I disputed this debt with XXXX and Equifax several times and the bureaus keep this debt on my credit report. I spoke with XXXX XXXX and they verified they have no debt within their system. I am requesting that you investigate XXXX and Equifax that they remove this debt from my credit report and they have not removed it.
Product: Debt collection

I have been violated by Discover on XX/XX/2020. I am a victim of identity theft and did not give permission to anyone for assumed access to my information.I know my rights and am protected under the following laws by the United States Court of Law : 15 U.S. Code 1640 15 U.S. Code 1681n 15 U.S. Code 1691 15 U.S. Code 1692c Please have these inquiries removed from my credit report.
Product: Credit card or prepaid card

A negative balance of {$76.00} on my City National Bank credit card was sent to me by check in XX/XX/XXXX. I never received the check. I requested a new check in early XXXX and also did not receive a check. I called and emailed again in late XX/XX/XXXX and still did not receive a check for the {$76.00} that City National Bank owes me.
Product: Vehicle loan or lease

I purchased a XXXX XXXX XXXX in XXXX of XXXX and I have always paid more than the payment. I recently was laid off of my job and was making the payments until my savings were depleted a few months ago. I was able to borrow a payment to bring the account under 30 days where the account would not be escalated for repossession. The account manager XXXX XXXX who was assigned to my account was very rude and threatened to escalate my account if I didn't have a payment in by Monday and said he would do so because I didn't call him back like I said I would to discuss the account.
Product: Credit card or prepaid card

I called XXXX on XX/XX/XXXX regarding a late payment in XX/XX/XXXX. I was requesting it be removed since I had COVID and stuck on quarantine. They told me that XXXX will not do any goodwill adjustments. I don't really consider this a goodwill adjustment since I had no opportunity to make the payment. I made the payment as soon as I could and my account as been current ever since.
Product: Mortgage

PNMAC MORTGAGE XXXX XXXX XXXX, XXXX, AS A SUBSIDIARY PNMAC XXXX XXXX, XXXX XXXX, XXXX COUNTY COURT OF COMMON PLEAS AND XXXX XXXX XXXX & XXXX filed an illegal foreclosure action in a non-competant judcial XXXX defined in XXXX XXXX XXXX XXXX a ) ( b ), which is outside the district to the United States XXXX PNMAC MORTGAGE XXXX XXXX XXXX, XXXX is fully aware that such attempts to avoid federal laws of the United states regarding interstate commerce, obligations of the United States is illegal. XXXX COURT OF COMMON PLEAS IS NOT a state defined in XXXX XXXX XXXX ( XXXX ), however is not exempt pursuant to XXXX XXXX XXXX. Accordingly under federal law and statues of the United States, constituions, consumer federal law preempts any state law that is inconsistant with federal law that provides less sufficieny in terms of consumer protection.The actions taken by all parties the consumers were upon private instruments, assets, consumer accounts, within interstate commerce, which are in facts obligations of the United States. Therefore, Defendants foreclosure upon, bringing suit against, seizing or by disablement, dispossession, accounts, instrumentalities of the Unites States, which includes the consumer. XXXX county court of common pleas would lack any jurisdiction, competently or otherwise, to engage in any acts against the United States. Defendants Failed to obtained prior consent from the Consumer, or permission from a proper, competent judicial court, district, before engaging in such acts. It is believed that defendants are acting on the false notion that the consumer is some sort of artificial entity, citizen, or other, corporation formed under their a XXXX XXXX laws. Therefore, XXXX Court of Common Pleas is properly defined as a debt collector, XXXX XXXX XXXX ( a ) ( XXXX ), collecting a debt defined in XXXX XXXX XXXX ( XXXX ). And not exempt under XXXX ( XXXX ) ( c ) .Conseuqently, and knowingly, no evidence has been presented to support this presumption. The consumer is not a citizen, state citizen and such creation of an entity without knowledge and consent is of the consumer is fraud, even criminal.
Product: Credit card or prepaid card

I have a business credit card with Bank of America. I set up auto-payments for the balance on the card every month to be paid from my bank, XXXX. I set the auto-pay up correctly. 

When the bill was due, Bank of America messed something up. My XXXX account never received a request for transfer of funds from Bank of America ( and there was plenty of money in the account if it had ), but Bank of America has assessed it as a " returned payment. '' As a result, Bank of America has lowered my credit limit from ~ {$7000.00} to {$2000.00}. I suppose that is their prerogative, but it's pretty annoying! But, what they're doing that is illegal, is misreporting a " returned payment '' to the credit agencies, thus hurting my credit. 

I have called on four separate occasions and they have been completely unwilling to solve the issue. They have done no due diligence whatsoever on what went wrong- they simply told me to write a letter to the credit bureaus. They never called XXXX- if they had, XXXX would have told them that their request never got through ( despite my setting up it up 100 % accurately.
Product: Credit card

On XX/XX/2024 I called Capital One ( the number on my Bill ) to pay off and cancel the card, I asked for my payoff ballance to pay in full, in the amount of XXXX. 
I tried to pay with my debit card, and they told me I couldnt use a debit card anymore, as of new changes to their payment policies, they insisted on my Checking account routing number and account number, which i supplied to make the payment, this method is like mailing a check, even though they closed my account on the XXXX, they took 5 days to extract the payment from my account, this also generated a new bill for XXXX for what they call residual interest, if they are doing this to every American with a capital one card, closed or open they are stealing from the American people! 
If i call up and say cancel my card and i pay it off in the same phone call, there should be not interest, it is not the consumers fault it takes Capital one 5 days to arc the payment from our checking accounts, I can only imagine, how much interest Capital One is fraudulently taking from everyone, it is theft!, I am hoping you can do something about this illegal behavior, if you cant I will push for legislation to get involved, it is nothing short of thievery
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed most of my accounts because they contain transactions and experiences. According to 15 U.S. Code 1681a - Definitions ; rules of construction. ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;.

They are also in violation of 15 U.S. Code 1681b - Permissible purposes of consumer reports. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I never gave permission to furnish a report on me. And they refuse to stop. They are allowing non affiliated companies to pay them to furnish unlawful information. And XXXX. They have destroyed my livelyhood and my ability to care for me and me child. 

I am the consumer to which the reports pertains to. I am the only one that can verify false information. Financial institutions that pay the credit reporting companies to furnish unlawful information should not be consulted about accurate information pertaining to me. They are also committing identity theft by doing actions that I am not aware of.
Product: Debt collection

I have repeatedly attempted to dispute a debt that is currently being reported by credit prt Associates in the amount of {$370.00} ... This is not my debt.
Product: Checking or savings account

The issue initiated when I filed a dispute over another credit card erroneously debiting my account. It later developed that I settled this dispute and informed Synchrony Bank. 
When they sent me an Affidavit to confirm this dispute I called Bank again that I had settled this matter. Nevertheless they placed a HOLD on two Savings accounts of mine with total exceeding {$6000.00}. This is our Household Account from which we pay our bills. On XX/XX/XXXX I noticed this HOLD, immediately informing Bank. An agent said she would escalate the approval for removing the Restriction. It is now XX/XX/XXXX and the Restriction remains and am told another up to three business days it shall be lifted. 
In the meantime I have bills to be paid, one bill returned to them subject to handling fee.
Product: Money transfer, virtual currency, or money service

There was a {$500.00} check load to my account on  XXXX   XXXX ,   XXXX   and was also cashed with a check cashing place in  XXXX   XXXX  as shown in the descriptive email ingo collections sent me on the  XXXX  of  XXXX . I tried to explain to the Man I talked to at ingo collections that this wasnt me and that I 'm not familiar with any  one  who stays in  XXXX   XXXX , which is where he stated it was done at. I told him it was fraud but he said to me he nothing to do with that, that i should report it to the police and i still have to pay them the money regardless
Product: Credit reporting, credit repair services, or other personal consumer reports

Mid South Adjustments in XXXX XXXX AR put a collection account on my credit report. The account was paid in full to XXXX XXXX before MSA put it on my credit report. I want it removed and MSA investigated for putting the accounts they receive from clients on credit reports without first making contact with the person. They do this all the time. They put the account on the persons credit report as soon as they receive it. They must be stopped, this is not how it is supposed to work.
Product: Checking or savings account

Im a victim of identity theft.I dont know my identity has been stolen until my debit card was declined at the truck stop.It was Saturday arround XXXX XXXX XXXX on XX/XX/2021.Right away I did check my account online and I found a big messe, someone steal my personal and identity information and open a new joined account ( under my name and his name ) .I dont know this guy.He make 3 transfer of XXXX ( XXXX each ) from my account to the new one ( the fraud one ) Then he start withdrew XXXX ( 2transaction : XXXX each ). I did not authorized any of those transfers. I called my bank to lock the account and file a claim. I called the credit report bureau to freeze the credit report.