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

My husband, XXXX XXXX, and I leased a XXXX XXXX XXXX from XXXX XXXX in XXXX, OH on or about XX/XX/XXXX. This was a two year lease, expiring on XX/XX/XXXX, so we traded it in to XXXX XXXX on XX/XX/XXXX in exchange for a XXXX XXXX XXXX. We made our last payment for the XXXX on XX/XX/XXXX, and paid the amount owed for the XXXX at trade in ( see the bank statements, attached ). 

On or about XX/XX/XXXX, we received a bill from GM Financial for payments on the XXXX allegedly owed in XXXX and XXXX of that year. We contacted our salesman at XXXX, sent in the vehicle return receipt to GM Financial, and believed that the dealership and GM Financial had worked things out. We didnt receive any more bills after that. 

As you will see from my attached letter, they had not resolved this billing issue, and our credit scores dropped approximately 50 points over the XXXX holiday. I filed a dispute with XXXX  in XXXX of XXXX. The balance was changed to {$0.00}, but issues remained. 

Ultimately, I filed a second dispute in XXXX since our scores did not recover, and I still had late payment status showing on my credit report ( attached ). 

This dispute was not corrected, and this issue became known in the course of applying for a home equity line of credit from XXXX XXXX this week ( also attached ). I  contacted XXXX today, they confirmed that these amounts were past due, and they ultimately sent me to GM Financial. GM Financials Loss Prevention rep ( XXXX ) reviewed my account, confirmed that they were still looking for these two payments, and directed me to the dealership. My question to both was how is it possible that we could owe payments on a vehicle that was in legal possession of the manufacturers dealership/ financial arm? I had sent both parties evidence of our non-possession of the XXXX in XXXX, yet this report stood. In both cases, the parties pointed me elsewhere. XXXX was unwilling or unable to help me beyond that point. 

I then left a message for the general manager at XXXX XXXX hours ago, with no response so far. 

Please help. At no point did any of these companies take any accountability regarding this mistake that one of these parties made, and it is negatively impacting us, despite our best efforts to be as fiscally responsible as possible. 

Thank you so much for reading this complaint. If you have any questions, please call. XXXX. 

Best, XXXX XXXX
Product: Debt collection

I asked for documentation to support the debt and received thtreatening phone calls from agent who called herself XXXX XXXX from the Leviton law Firm
Product: Credit reporting, credit repair services, or other personal consumer reports

ive tried to dispute account with trans Union XXXX asking for method of verification because account is reporting dispute resolved. over 30 days have passed, and I have yet not received any verification on acct. I do not agree with report investigation results because I have no clue how this account was verified. Account is stating inaccurate reporting account open, derogatory, collection charge of all at the same time. There is no way that account can be derogatory if reporting account as collection. Account is also stating in accurate reporting account has open derogatory collection charge of all at the same time there is no way that account can be derogatory if reporting account as collection I had previously stated on my dispute, I had previously stated on my dispute that I do not recall having this account open for that reason, I wanted account to be verified, or delete. I have not received any documentation with any kind of verification stating this debt belongs to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please help me get a proper solution to this frivolous account that is continuously being removed and added back to my credit reports. I have made several attempts to dispute this debt via handwritten letters sent via certified mailed to the data Furnisher XXXX XXXX XXXX AS I HAVE NO KNOWLEDGE OF THIS ACCOUNT ; IT IS FRAUDULENT AND MUST BE REMOVED IMMEDIATELY and have not received a response or verification that this debt belongs to me. I have retained all documents of my actions thus far for proof and documentation. I believe this is a direct violation of my rights as a consumer per the NC FCRA. to deny my right to receive valid verification that this account belongs to me. I have previously disputed this account and have successfully been able to remove the account however it is just sold to another furnisher, or the current furnisher changes the name and updates or adds this account back to my credit file with no explanation on an erroneous, alleged collections information. XXXX XXXX XXXX has never proved this debt belongs to me legally. In addition, XXXX XXXX XXXX shouldnt be allowed to continue reporting this frivolous debt and the credit Bureaus are failing to properly investigate the information being reported. This fight or battle to fix my credit so that only accurate information is being reported has caused me mental and physical health issues and restraints. I am reaching out as a final result before seeking other solutions. This information needs to be removed from my credit files because it can not be verified and continues to report and update inaccuracies on the credit file.
Product: Credit reporting or other personal consumer reports

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  Trans Union. XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Dear CRAs I received a copy of my credit report and am writing to dispute the following information that appears on my XXXX report, XXXX report And TransUnion The following inquiries are unauthorized, and I ask that you delete them : Inquiry from XXXX XXXX XXXX XXXXXXXX XXXX on XXXXI dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry from 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 I dont recognize these lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Thank you for your time and help in this matter. 
Sincerely, XXXX XXXX
Product: Mortgage

Ocwen mis-applied funds/ did not apply payments mailed to my loan. 
extra money was mailed to pay down the principle as noted on checks cashed - they were applied to an " unapplied funds " and recently deducted by a forced escrow account. they claim it was because I did n't have insurance which I did - I was billed {$2800.00} yet only given a {$590.00} credit 3 months later XX/XX/XXXX. Since my statements dated XX/XX/XXXX The unapplied funds are not being used to cover an escrow account to pay property taxes to which I pay them yearly. I have asked the funds be replaced and was told no that Ocwen has the overall say in how " unapplied funds '' are distributed. I explained that I pay my taxes yearly- I am told that an account manager will review - to date they continue to take the funds- now sending me deliquent letters that I have unpaid balances on payments - those payments being set aside in a suspense account. I am currently being charged for past due payments and missed payments. certified letters that come in triplet and home inspections fees that when explained is done by an outside company to inspect the home and make sure its not " abandoned '' - when I explained I lived in a gated community and there were camera 's out front as part of my home security- AND I HAD PROOF NO ONE EVER LOOKED AT THE HOUSE OR DROVE BY -the rep contradicted herself by saying it really is just internal and they could not give me proof- I asked for a refund to which she explained that they were not going to refund the money because they are allowed to charge the fee regardless if someone see 's the property or not. I was told to " just pay it '' I get charged a different amount every month. In the past I was charged {$100.00} recently {$13.00} and sometimes {$15.00} - there is nothing in my loan documents. I 've asked for them to mail me a copy specifically noting that they can charged me- I get hung up on EVERY TIME! I 've called and asked their resolution department to contact me - I get no reply. I have asked to speak to managers - I get hung up on. I have cleared payments from the bank and yet every time I call to get it resolved they claim their records are accurate and that I need to mail the money immediately or they had to right to " take my home because the loan documents I signed give them all the rights to my property. 
On XX/XX/XXXX received a certified letter claiming that I was delinquent pmnts from XX/XX/XXXX-XX/XX/XXXXthat Ocwen had adjusted my monthly pmnt to {$2200.00} from $ XXXXthen a day later another certified letter arrives and that pmnt for that time frame XX/XX/XXXX-XX/XX/XXXX all had an unpaid amount / balance due of {$440.00} - when I called their customer service department I was told an account manager would be handling my account since the last payment made in full was XX/XX/XXXX. 
I received the same letters monthly - sending out bank statements until XX/XX/XXXX when I received a certified letter explaining that I still had unpaid balances on the missing pmnts - which were late fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft. I have filed police reports in GA with my local department regarding these occurrences. I have been able to remove most of the damage done to my credit report but third party companies, such as XXXX  and Early Warning Services have a XXXX  XXXX XXXX checking account closed listed in my name and ssn which was closed around XX/XX/2017 due to an unpaid amount of {$2400.00}. I never opened an account there.
Product: Credit card

Comenity Bank has continued to contact me after I told 2 representatives that I obtained an attorney for Bankruptcy. I provided the name of the attorney and where the attorney was located. The 2nd representative even laughed at me during the call. They continue to call me in a manner that violates the FDCPA. I have screen shots of back to back phone calls. I also have saved voice-mails of where they have duplicated leaving voice-mails on the same phone number more than once a day which is also a violation of the FDCPA. All of these issues above are clear violations and they should be notified of such. I did not dodge them, I told them I was filing bankruptcy and the attorney information I had at the time. I have stopped answering there calls because at this moment there is nothing else to say. The first call I informed them of the BK filing was on a call where they called me at work and I also requested they no longer called my workplace which as of now they have not. I decided to go ahead and file this complaint because today from XXXX to XXXX I have received 4 phone calls from them all from the same number. They left one voice-mail today so far but I have two voice-mail messages from them on XX/XX/16 and have saved them from past days where they were again duplicated. They need to stop and contact my attorney as all regulations tell them to do in the first place. I am one of thousands if not millions of customers they have so how many people are they doing this to every day?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : # XXXX 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 than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

Nationstar Mortgage LLC is attempting to sell my home in a foreclosure trustee sale on    XXXX   XXXX  2017     and steal my home when neither they or the foreclosure trustee have any standing to do so. i : repeatedly offered to pay them in full if they can simply validate the amount of the alleged debt as FDCPA rquires them to do. They do not, since they have fabricated papers to make it look like i : owe some alleged debt to them.   In either case :  This is a 28 U.S. Code 1343, now that CFPB, President Trump, US Supreme Court, US Marshalls Director  XXXX , Government Accountability Office Director   XXXX   XXXX  , Sheriff   XXXX     XXXX  are notified of the crimes against me and are required to act.      YOU ARE SERVED, AND ARE NOW LIABLE TO ME.     Today,  XXXX   XXXX ,  2017 i : ha ve sent to  President Trump [ Delivery via U.S.P.S. Fir st Class Certified Mail Article Number :  XXXX   XXXX   XXXX   XXXX   XXXX   ] , to U S Supreme Cou rt [ Deli very via U.S.P.S. First Class Certified Mail Article Number :  XXXX   XXXX   XXXX   XXXX   XXXX   ], US   Marshalls Director   XXXX   [  Delivery via U.S.P.S. First Class Certified Mail Article Number :  XXXX   XXXX   XXXX   XXXX   XXXX   ] , to  Government  Accountability Office Director   XXXX   XXXX   XXXX   [  Delivery via U.S.P.S. First Class Certified Mail Article Number :  XXXX   XXXX   XXXX   XXXX   XXXX   ] , to  Sheriff  XXXX   XXXX   [ D elivery via U.S.P.S. First Class Certified Mail  Article Number :   XXXX   XXXX   XXXX   XXXX   XXXX  ], the following instruments among others  : 1.  Warrant for arrests,  XXXX  of such warrant for arrests and indictment of the President of foreclosure trustee  XXXX   XXXX   XXXX  and the President of Nationstar Mortgage LLC  XXXX   XXXX  are first and second attachments.    2.  DEFAULTED BILL TO NATIONSTAR MORTGAG E LLC [ and its Co Parties Agent ( s ) Principle ( s  ) ] for {>= $1,000,000} is the third attachment.    3. I ndorsed copies filed in court of ad subjiciendum which is an extraordinary remedy, attacking the legality as Unconstitutional is the fourth attachment.    4.  Indorsed copies filed in court of my firing of civil servants, judges, attorneys are  the fifth attachme nt.     i : do expect my remedy as an American who has been wronged by a group of criminals dressed as attorneys, debt collectors among others. Feel free to call or email me with any questions that you may have.     All rights reserved waive none i : a man,  XXXX  :  XXXX
Product: Credit reporting or other personal consumer reports

Selene Finance is reporting " LOAN MODIFIED '' on my XXXX Credit Report, XXXX and XXXX which is not accurate. This is having a negative impact on my ability to apply for a credit card. I have included a screenshot of the tradeline, my most recent statement from Selene Finance, a complete copy of my credit report, and a copy of the decline letter from a separate creditor.
Product: Mortgage

I fell behind on my mortgage after losing my job. I was forced to file bankruptcy, however I wanted to save my home. Loancare has evaded and blocked me from applying for assistance now since the beginning of 2016. I hired an attorney to help me deal with Loancare and they have been calling Loancare now for over two years. Loancare has told my attorney my loan had bankruptcy codes on it and they could not review me. This is even though my bankruptcy has been discharged almost two years ago. They then told my attorney the reason the bankruptcy codes are not removed was because they needed for my bankruptcy case to actually close. My bankruptcy attorney says there is no reason Loancare can not review and modify my loan. Loancare advised until the bankruptcy case was closed, which takes about a year they couldn't do anything. Finally my bankruptcy case was closed and my attorney applied for assistance. Loancare sent my attorney the attached letter denying the modification application with no reason. They claim the owner of this loan does not allow them to modify the loan. My attorney has a very experienced underwriter who actually deals with loan pool servicing issues often and he says this can not be true. Loancare should contact the investor and ask for permission. The constraints Loancare is talking about are old and those barriers are no longer in place. In addition, guidelines call for the servicer to make an attempt to contact the servicer to ask permission and Loancare has not attempted this. They simply have evaded review now for over two years and now want to foreclose my home after doing so.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dept of EDXXXX XXXX XXXX XXXX and XXXX XXXX : Hard Inquiry, 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 than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

These inaccurate accounts are stopping me from the ability to get lower interest rate credit cards for my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS COMPANY HAS PROVIDED AND COMMUNICATED TO ALL CONSUMER REPORTING AGENCIES
Product: Checking or savings account

On XX/XX/XXXX or XXXX my account was compromised. Someone deposited two bad checks in my account that I was not aware of. I notified Citi bank on XXXX in XXXX XXXX Nevada, they said they would open up an investigation. I gave them a police report like they asked and everything. Theyre telling me that I will wind up having to pay back what I didnt do. They have also taken my actual payroll check because of this fraud and also closed my account. I have given them all info I had and I feel like they didnt do enough to help me out in this matter. They just automatically closed my account when I didnt do this! I have been with Citi bank for over 8 years. Never have I ever had any problems with them until now. Never has the ever happened as well. I feel as though they can see clearly that I had nothing to do with this especially in the many years Ive banked with them.
Product: Checking or savings account

Chime has in error charged me twice for a provisional credit after a unfavorable dispute. My original dispute was dated XX/XX/XXXX ( original payment ). 
XX/XX/XXXX provisional credit from chime. 
Friday XX/XX/XXXX provisional credit reversed. 
XX/XX/XXXX another adjustment XXXX. 

I closed my dispute in the app which I believed caused me to pay a provisional credit again.chime stated they stopped my dispute on XX/XX/XXXX but email shows i was already charged on XXXX XXXX already settled the dispute on XX/XX/XXXX. Both screenshots will be below. 

I have contacted them everyday all i get is a 1-3 days for an investigator to look at my claim. Nobody speaks fluent XXXX or can understand me
Product: Credit reporting, credit repair services, or other personal consumer reports

Wrong Information being reported in my consumer report on ChexSystems XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX ; XXXX ; XXXX I am unable to open accounts with certain banks due to my consumer file XXXX XXXX XXXX XXXX XXXX XXXX XXXX bank to name a few that states there are items in my report that deny me from opening a account. I asked for copies of my report and the reports I received show that there are no items and when I call the financial institutions I am unable to verify my identity due to ChexSystems.
Product: Checking or savings account

Wells Fargo reps have not addressed non-receipt of settlement checks which are inadequate, do not cover damages caused by unauthorized accounts. Reps reply with information showing checks cashed and or supposedly verify address sent to which I was not living at the time of issue, claim address was verified but have not shown and proof of such. Further, a XXXX replied addressing a request to close current Wells Fargo account in which case has nothing to do with non-receipt of checks which do not cover damages. I was offered a settlement amount of {$3700.00} by XXXX XXXX in XX/XX/XXXX, no payment received to date, I moved from address in XX/XX/XXXX, anything sent to old address via XXXX, XXXX would not be received. This matter was investigated, a second check supposedly re-issued, sent to old address at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CT XXXX. I was working with a XXXX XXXX at the time, he requested check sent signature required via XXXX, nothing received. Further, a second check in the amount of {$500.00} which represents a phone mediation between myself, two Wells Fargo reps and a mediator was not received, also sent to old address.. In case anything sent via USPS, I have not received anything from Wells Fargo since moving in XX/XX/XXXX. As stated before, Wells Fargo reps reply by showing checks cashed and or verify address sent to which I did not live at the time, does not address issue of non-receipt. Further, the total of checks, {$4200.00}, does not cover damages sustained due to these fraudulent accounts opened in my name. Also, the mediation letter supposedly sent to me, agreeing to {$500.00} payment was not received, not signed by myself. I believe the person ( s ) now living at address may have intercepted document including two checks, forged my signature, cashed in my name. I've detailed this information in prior CFPB complaints, which are numerous and will continue to be filed until resolution made which includes a reasonable settlement offer which covers damages and includes missing payments. Again, Wells Fargo reps reply by either verifying checks cashed, in which case not by myself and or verify address which I did not live at the time.. Most recently, I've been calling Wells Fargo executive phone bank, given various bogus numbers to mediation dept, all incorrect. In order to locate correct number, I had to call the company whom issues checks, Epic, was provided with correct number which I've also been calling, spoken with numerous reps including two managers by the name of XXXX and XXXX, no resolution received ... It appears Wells Fargo reps are trained to give out incorrect numbers in order to dissuade customers like myself from reaching correct dept, which the CFPB might want to look into and launch an investigation into Wells Fargo handling of this matter.