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

1. Alleged Name and Address of Creditor 2. Name on File of Alleged Debtor : 3. Alleged Account # : 4. Amount of alleged debt : 5. Date that this alleged debt became/becomes payable : 6. Date of original charge off or delinquency : 7. Amount paid if debt was purchased : 8. Please attach a copy of any signed agreement alleged debtor/claimant has made with debt collector, or other verifiable proof that debtor/claimant has a contractual obligation to pay debt collector.

9. Furnish a copy of the original promissory note/agreement redacting my social security number to prevent identity theft and state that your client named above is the holder in due course of the note agreement and will produce the original for my own and a judges inspection should there be a trial to contest these matters.

10. Produce the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect. Such as ; FR 2046 balance sheet ( OMB # s 2046, 2049, 2099 ), XXXX OID report, S-3/A registration statement, 424-B5 prospectus, RC-S & RC-B call schedules 11. Identify by name and address all persons, corporations, associations, or any other parties having an interest in legal proceedings regarding the alleged debt.

12. Verified specifically, name ( s ) of person ( s ) assigned as Trustee to handle Corporations affairs and to be held accountable for the actions of the Corporation. Such as CFO and subordinates responsible for debt collections.

13. Verify as a third party debt collector, you have not purchased evidence of the alleged debt and are proceeding with collection activity in the name of the original maker of the note.

14. Verify you know and understand that certain clauses in a contract of adhesion, such as a so-called forum selection clause, are unenforceable unless the party to whom the contract is extended could have rejected the clause without impunity.

15. Provide verification from the stated creditor that you are authorized to act for them.

16. Verify that you know and understand that contacting me again after receipt of this notice without providing procedurally proper validation of the debt constitutes the use of interstate communications in a scheme of fraud by advancing a writing, which you know is false with the intention that others rely on the written communication to their detriment a violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341.

Disputing the Debt, Dated this XX/XX/2018
Product: Payday loan, title loan, or personal loan

On or about XX/XX/2022, I offered to payoff my loan at One Main Financial for {$9500.00} they accepted a couple of weeks later and attempted to get me to pay without the agreement in writing. I still do not have it in writing on XX/XX/2022. This is why I want to terminate any business with One Main and why this is my second complaint against them. They are fraudulent and the press and other organizations will be put on notice to stay away from this type of company.
Product: Payday loan, title loan, personal loan, or advance loan

XX/XX/year>, the loan XXXX for our solar should have been paid off. It was in the name of my landlords mother but I was making the payments, my bank account was the only linked account, my email wad the only linked email, same with my phone number. 

According to their website, we owe {$0.00}, but they keep calling me. I've never been available when they call to see what they want, but when I call back they tell me they can't tell me why they're calling because im not an authorized person on the account, even though every single time I've called when we still owed money, they told me whatever I asked. 

I just need to know WHY the keep calling me. They gave me whatever information I needed while we owed them money, so im wondering why all of a sudden, after we fully paid the loan, they can't talk to me anymore. 

My roommates mother 's name was on the loan amd she's now deceased, and they certainly were quick to help myself ( who they won't talk to anymore ) and her husband ( who has NEVER been involved in the loan ) get whatever info we needed. They're just talking to anyone as long as it gives them money, and since they have my bank account on their site, I don't trust them and want them to leave me alone.
Product: Debt collection

I got a call and i answered hello? lady on the phone said can i speak to XXXX XXXX. I said who is this and she said this is XXXX XXXX XXXX. I said uh who wants to know and she said is this XXXX and I said I don't know and she said is this the XXXX who was born onXX/XX/XXXX 1990? I let her know she gave out my personal information and that she was violating the debt collecting laws.
Product: Credit card

I tried to cancel a duplicate payment. Agent said it was done. Did not mention the payment would still be attempted three more times. Caused my checking account to go negative and be closed. I asked Amex four times to investigate and they have not and told me to call back to see results but nothing was ever filed. Four attempts to get this corrected and reimburse for their mistake.
Product: Credit reporting, credit repair services, or other personal consumer reports

As ofXX/XX/XXXX- I have sent several letters for inaccurate and unknown on credit report ( Section 611 ( a ) of the FCRA requires a CRA to conduct a reasonable reinvestigation of any item of information in a consumer 's file if the consumer alleges the item to be inaccurate within 30 days ) - Its been over 60 days and should be deleted promptly. I demand inaccurate accounts be deleted immediately or I will file litigation due to the stress of inaccurate and unknown accounts on report. My information was also compromised by Equifax data breach and may have landed into the hands of the wrong person.
Product: Payday loan, title loan, personal loan, or advance loan

Took out a {$500.00} loan that has 770 % interest. Didn't read the fine print now I'm in a bad spot. I already payed what I borrowed but the 770 % interest is becoming a burden. Need help
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/year> I filed for Chapter 7 Bankruptcy. The bankruptcy included XXXX loans with XXXX XXXX ( # XXXX, XXXX, XXXX, XXXX ) that totaled {$96000.00}. The company had a collateral assignment on my New York XXXX XXXX XXXX insurance policy. The bankrputcy wad XXXX on XX/XX/year>. 

I sent BHG financial the release of collateral assignment to sign and return to me on XX/XX/year>. Today I received notification that they were " unable to release the life insurance policies. ''
Product: Debt collection

somebody hacked my bank account and emptied it out to the point where I owed money
Product: Credit reporting or other personal consumer reports

I want all reported accounts removed. XXXX late payments
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX {$12000.00} XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX $ XXXXXXXX XXXX XXXX {$0.00}
Product: Mortgage

I am reporting XXXX XXXX XXXX XXXX XXXX, Mortgage Loan Originator for false and deceptive practices and for harassment. XXXX has emailed and called me multiple times stating that he needs documents from me to complete a mortgage loan application of which I never applied to or agreed. XXXX and/or his team members emailed and left voicemails on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX requesting financial documents. I notified XXXX via email on XX/XX/XXXX to stop contacting me because I am getting a loan with XXXX XXXX XXXX He and his team continues to contact me requesting documents in order for my loan to be approved after my written request. I am getting harassed by XXXX. He is not respecting my request to stop contacting me to complete a loan mortgage application.
Product: Debt collection

I am guessing this is either a fraud or Its a paid debt. They said it is something being held after my social security number and That to have to submit my document at court. They also refused to send me documentation to my new address. The woman was very rude and was using my address from XXXX. She also claimed I took out the loan XXXX which may have been possible that is when i had My last job before I filled for XXXX.
Product: Debt collection

These People called my job today XXXX/XXXX/XXXX. They called from XXXX. They did n't anounce the name of the business when I called.She just answered as XXXX XXXX. They sent no documents to my house showing me proof.
Product: Debt collection

American Express They committed wire fraud, which is a felony. I don't expect anything ever to come of it because nothing ever does and the consumer keeps getting XXXX over. 

In short. I had a small business credit card dating back to the beginning of the ongoing crisis. They promised me if I paid off the card, I would get a new card and all my considerable reward points. 

The problem became clear when I discovered XXXX XXXX is actually outsourced to XXXX XXXX firms who lie and cheat and do whatever they can. Including sending letters under false letterheads. 

In any event, I paid it off, and XXXX is denying everything. They are XXXX XXXX XXXX XXXX. 

Here is the sad part. I know nothing is going to come of it. They act with impunity and the fact that we bailed out these miserable XXXX only further emboldens them.
Product: Mortgage

We were supposed to close on XXXX XXXX XXXX and the mortgage banker had assured me every step of the way that we would close on time. Regardless of what the reasons and excuses were, we had completed everything on our side in a timely and orderly fashion. It was however, the mortgage banker 's responsibility to make sure everything on his end would go through, as well as plan for contingencies as this is part of his job responsibility. In addition to the failure to close on time, I was also assured several times by the mortgage banker 's supervisor that we would close on XXXX XXXX which then changed to XXXX XXXX. Subsequently we were not able to get possession of the house due to the title company that Nations Lending chose, which could not get everything completed on time. And to add more insult to injury, closing was scheduled at XXXX and the mortgage banker did not inform me that the title company on our side was rescheduling at XXXX, which then delayed taking possession of the home to the XXXX and made us look like fools at the closing table when the seller 's side had showed up with their title company. This has caused a moderate amount of hardship due to having to reschedule moving plans which increased the moving costs, days off for my wife that can not be taken back which were wasted, and general financial problems and stress as a result of this. Nations Lending supposedly prides itself on excellent customer service, and I feel that I have not received excellent customer service. All I got were irrelevant excuses. At best, the customer service was below subpar. 

In addition to the above, the mortgage banker that was working with me supplied me a different customer 's personal information which is a breach of privacy.
Product: Mortgage

This is my third complaint of how I am being treated by Bank Of America Home Loans Department. I received a nasty phone call from a representative from Bank of America. Her name is XXXX XXXX. Phone number XXXX ext XXXX. This representative from Bank of America spoke to me in the way that was very disturbing. I've been going through this battle with the Bank for over 2 years! It has been very hard to deal with. I am only trying to get a modification to lower my payments and keep my home. XXXX XXXX insist I can apply for a another modification but do not send any more documents to XXXX, Just to send my documents directly to her. Something is not quite about this request. Why doesn't Bank of America want me to send my documents to XXXX. XXXX has been such a big help to me. XXXX XXXX XXXX called me about XXXX XXXX Friday XXXX the XXXX. I later returned her phone call about XXXX. I gave Bank of America all the documents in which they insisted previously before. Even spoke with the appeals department to make any corrections needed, Bank of America still denied me a modification and appeal. Bank of America wants me to FAIL! Bank of America wants to sale my home on the courtroom steps!!. They want to see me homeless. I faxed over Utility bills, home expensives, taxes from XXXX to XXXX, XXXX form and a hardship letter concerning my situation. Back in XX/XX/XXXX, Bank of America rejected the previous buyer request for {$110000.00} to buy my home, so since Bank of America rejected the offer, I didn't want my home to go into Foreclosure, So that's why I am asking for a modification. My home is only worth {$70000.00}!!, but Bank of America wanted {$140000.00}!!. I couldn't believe it! Something has to be done about this situation. I am fighting to keep my home. Bank of America did not agree on the sale price, so I am fighting to keep it!! XXXX XXXX was very nasty to me on the phone today. I need to keep my HOME!! Bank of America also has a lien on my house. What is going on here?? When I tried to sell my home, The Bank was being very difficult, now I am trying to keep it, Bank of America are being more difficult then ever! More government officials needs to see my complaint with Bank of America. Something has to be done about the treatment of these mortgage companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Second Complaint about lowering my FICO score drastically when Equifax, XXXX and XXXX   show all the same information and XXXX  and XXXX did not drop my scores by 57 and 58 points respectively on the first ( XX/XX/XXXX ) and second report ( XX/XX/XXXX ). 

They are doing NOTHING about this, will not discuss it with me and this is the second time in two weeks they have dropped my score 56-57 points for no reason. 

This is very harmful for my credit rating and the fact that since XX/XX/XXXX, I have worked diligently to pay off all my credit and reestablish myself with excellent credit and reports. 

I was one of the breached with Equifax and keep a close eye on what it going on on their site and this is totally unfair and they should have to answer to YOU and ME.
Product: Debt collection

I C SYSTEM XXXX XXXX XXXX XXXX XXXX, MN XXXX Opened XXXX XXXX, XXXX  ( 2 mos ) Account status Open Type Derogatory Responsibility Individual Remarks Placed for collection Placed for collection Original Creditor Name XXXX XXXX XXXX  Closed No Info
Product: Debt collection

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Credit reporting or other personal consumer reports

XXXX XXXX COMENTITY BANK JARED XXXXXXXX XXXX In accordance with the Fair Credit Reporting act this creditor has violated my rights under 15 usc 1681 section 602 states, I have the right to privacy. Under 15 usc 1681 604A section 2, a consumer reporting agency can not furnish an account without my written instruction. 15 usc 166B, states a creditor may not treat a payment on a credit card account under an open-end consumer plan as late for any purpose.
Product: Debt collection

TSI ( Transworld Systems Inc ) has repeatedly contacted my business number for months looking for someone else. They have the wrong number. We've repeatedly informed them via voice they have the wrong number. We sent them an official cease-and-desist letter on XX/XX/2017. They still continue to call us.
Product: Credit reporting or other personal consumer reports

I have been your FAITHFUL CUSTOMER for SEVERAL YEARS and have ONLY XXXX OR XXXX LATE FEES REPORTED ON MY CREDIT REPORT. THIS MAY BE DUE TO SO MANY FACTORS. I want to believe that the late fees applied to my account may have been assessed in error or under circumstances that warrant reconsideration. According to the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S. Code 1681a, which provides important definitions and protections regarding consumer reporting, I am exercising my rights under this law to ensure that my credit information is handled accurately and fairly. 
Given the provisions under 15 U.S. Code 1681a and the broader requirements for accuracy and fairness in credit reporting, I respectfully request that you review my account and reverse the late fees that were improperly applied. It is essential that my credit history accurately represents my financial behavior, and I believe this action would align with the requirements set forth in the FCRA.
Product: Payday loan, title loan, or personal loan

I sent a letter to XXXX XXXX XXXXXXXX XXXX XXXX acct #XXXX  on XX/XX/XXXX certified mail XX/XX/XXXX in regard to  information I was disputing on my credit report.in which I have a charge off settled for less than amount with a charge off  amount in the of $XXXX with delinquencies of 30 days late ,XX/XX/XXXX, 60 days,XX/XX/XXXX,XX/XX/XXXX,CO from XX/XX/XXXX through XX/XX/XXXX. Date acct closed XX/XX/XXXX and that  I disputed are  inaccurate .XXXX XXXX XXXX XXXX XXXX did respond back with information provided but no canceled checks ,no payment to show payment history. On XX/XX/XXXX I replied back with another letter to XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXcertified mail XX/XX/XXXX informing them that XXXX XXXX XXXXXXXX XXXX XXXX has violated the law/ federal law per the requirement that they are to provide the credit bureau with the disclosure within the period required by law.You are required by law to place a "notice of dispute" when you signed on XX/XX/XXXX within the 30 days required XXXX XXXX XXXXXXXX XXXX XXXX is in Violation. The Fair Credit Reporting Act Section 623(a)(3) for not placing  Notice of dispute within the timeframe and evidence via certified mail you must now remove the item. They have since place a "notice of dispute " on credit report. And why are they still reporting on a closed account monthly.
XXXX XXXX XXXX XXXX XXXX is in violation for not providing a "notice of dispute" they must follow the law and remove of  credit report.
The Fair Credit reporting Act Section 623(a)(3) responsibilities furnishers of information to consumer reporting agencies[15U.S.C.1681 s-2](a)(3) Duty to provide notice.
Product: Credit reporting or other personal consumer reports

XXXX XXXX supplied me with a credit card which I paid on time for over 16 years. An insurance product, which is involved in a class action lawsuit I am a part of, did not reemburse me for a claim. I disputed this issue for over 2 years. Since this was a breach of contract and the tactic to avoid payment, I stoped paying my monthly payments to XXXX XXXX which resulted in my account closure and a rapid credit loss. no phonecall letter or email has changed this problwm.
Product: Consumer Loan

Applied for an auto loan with Capital One Auto Finance and was approved for {$23000.00} then after reviewing bank statements they dropped it to {$12000.00} even though my bank statement showed around {$86000.00} in annual income in the form of bank deposits and electronic deposits so they must have only been calculating one method of deposit and not both. When I called to try and negotiate the deal the loan offer had expired the day prior and a new application needed to be submitted and upon submission they then declined the loan and the reason they informed me was due to an eviction, liens that do not exist on any bureau report and are completely false and i was never informed of where they got that information and was told I could dispute it via mail if I chose to.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

Equifax : XXXX XXXX XXXX XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611. Please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation.
Product: Debt collection

XXXX XXXX Debt : Debt collector : TRANSWORLD SYSTEMS INC Balance {$1100.00} Balance updated XX/XX/year> This debt has been reported to All three Credit Bureaus. This Debt was challenged ( Disputed ) by me as being identity theft and Fraud. Please see the attached document for further details. Please note that all three credit bureaus failed to verify how the Debt collector verified that this consumer lived in the State of Florida and did in fact create the debt as reported. All three credit bureaus denied removing said debt from this consumers Credit Report
Product: Credit card

The Surcharges and interest rate is too high, I have paid this card off 5 times since the count was opened, I have asked for a lower interest rate several time. I have been robbed over the years from this company.