23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX, XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX, NY XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Checking or savings account

Back in late XX/XX/ 2023 I deposited my daughters check into my bank account for {$4700.00} which Ive done before with no issue. Once I deposited the check they locked my accounts so I no longer had access to my funds. Then, eventually closed my account with no explanation via writing or email so I called them and they stated I cant deposit checks into my account unless the person is a joint owner which my daughter was not so I said fine and I had my fianc deposit the check into her account and they said the check was already cashed by Bank of America and they have the funds. In result to that XXXX XXXX  CLOSED MY FIANCS account because they thought she was intentionally trying to cash an already cashed check. So XX/XX/XXXX I reached out to the department that handles closed bank accounts for Bank of America they told me that I would receive a check in the mail by XX/XX/2023 for the remaining balance of my account including the {$4700.00} from the check. So XX/XX/XXXX comes and still no check I call the same department back and they tell me that whoever told me I would receive a check misinformed me! They never sent a check and even though they took the funds from the check that claim they dont accept but now even after they closed my account the funds are still on hold and they cant tell me why the funds are on hold even though they seen the check is not fraudulent and the check cleared and it has been over XXXX  months since they had my funds they contacted the issuer of the check and they verified everything needed but they just keep telling its on hold and they cant give me a time frame for when it will be released and I asked for something in writing so I can show the issuer of the check so they can recant the funds they are not willing to cooperate with any requests Ive had. Also if they dont accept checks from people thats not listed on the account why would they cash the check anyways knowing my daughter isnt on my accounts instead of just rejecting the check in the first place and once the check cleared why would they hold my funds? All they had to do is decline the check and say we dont deposit checks unless they are on the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a validation letter to Transunion on XX/XX/2018. My investigation was open the next day. I called and verified with an agent. The results were completed in mailed to me. I received them on Saturday, XX/XX/2018 in the mail. The following items were not validated, but instead " verified as accurate. '' Now I have to resubmit another letter and wait yet another 30 days for validation of the said debts? Please assist, as Transunion is not following the law. The debts are below : -XXXX XXXX -XXXX -XXXX XXXX XXXX XXXX XXXX XXXX -XXXX   XXXX XXXX Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/19, I had an Extended ( 7 year ) Fraud Alert placed by XXXX, this fraud alert was reported to XXXX  and Experian. On XX/XX/19, I authorized an electric company ( XXXX XXXX XXXX ) to run my credit in order obtain free financing. I was informed by XXXX XXXX XXXX they could not obtain my credit information because Experian would not release same. Experian had the following statement associated with my account : " connect check plus summary Code X Fraud Alert deny services. '' I contacted all three credit reporting agencies and inquired if there was a " security freeze '' on my account. All three denied there was a security freeze. I contacted Experian a seconds time and they could not or would not assist in removing this information from my account. I never authorized or request that a security freeze be placed on my account by any credit reporting agency.
Product: Credit reporting or other personal consumer reports

I tired to dispute two collection on my account from XXXX for a Affirm account. I was not provided with information from the account or company. XXXX is insisting that the information is correct and has not provided any proof upon the investigation. They had denial my dispute.
Product: Payday loan, title loan, or personal loan

I entered a consumer credit transaction in good faith on XX/XX/2021 and extended my credit via credit application online providing my Social security Credit card number issued by the Social Security Administration offices. After the transaction took place, a receipt of the transaction ( inquiry ) appeared on my consumer report that showed a transaction indeed took place. Penfed, in return, furnish an adverse action via pdf which is attached. I was denied even after extending my credit to Penfed Credit Union, which is my federal right under the Truth in Lending Act. PenFed Credit Union benefited from this transaction by receiving consideration or compensation for that transaction and I did not receive any benefit. Penfed is also in direct violation of 15 U.S.C 1961a ( 3 ) under the Equal Credit Opportunity Act because it doesn't mention I could be denied for extending creditor or even having to have a certain credit " score. '' It only mentions that I could be denied for insurance or employment. I, as an applicant, was in good faith exercising my right under the Consumer Protection Act and did NOT benefit from the transaction that took place. 


Application # XXXX If this issue is not resolved, I will have no there choice to seek litigation, file a complaint the NCUA and/or my Attorney General for the several violation of my federal rights as a federal protected consumer.
Product: Mortgage

OCWEN Loan Servicing is so messed up that they sold our home, AFTER they contacted their attorney to stop the sale of our house!!!! OCWEN contacted their foreclosure attorney to stop the sale of our home on XXXX XXXX, 2016, but the foreclosure attorney failed to contact the Sheriff and our house sold. We had no idea that there was a sale on our home, as OCWEN placed the sale date on our home nine days before it sold. We are confused and VERY UPSET because OCWEN wanted to stop the sale, but either OCWEN or their attorney screwed up and we are paying the ultimate price. My husband and I even had an appointment with our OCWEN Case Manager on XXXX XXXX, 2016 to discuss what kind of workout option our loan would be reviewed for assistance options ; seven days after the sale! The right hand does n't know what the left hand is doing at OCWEN and it is costing us our lives. The foreclosure attorney is willing to revert the sale, but OCWEN just decided yesterday that they will not revert the sale!!! We will be homeless now and it is n't fair. OCWEN was fined {$2.00} XXXX a few years ago for what they did to AMERICAN homeowners, but they continue to take homes away from us, apparently without recourse. When my representative contacted OCWEN on the day of the sale, he spoke with an Escalation Manager with OCWEN named XXXX ( employee # XXXX ) who said that OCWEN sent the request to postpone to two separate emails at the foreclosure attorney 's law firm ( XXXXXXXXXXXX and XXXXXXXXXXXX ), but the attorney did not contact the sheriff in time. Clearly OCWEN and their attorney do not have the communication in place to ensure homes do not get sold! When asked when OCWEN decided to stop the sale, XXXX said the notes do not make sense and he can not tell when the sale was postponed internally. XXXX said that if the sale goes on and it goes back to OCWEN, it is possible for them to rescind the sale. After the sale occurred, we contacted OCWEN, but they only gave us two numbers to leave a message on and we were told that OCWEN would decide what happens and we had no say in the process. Well, they cold-heartedly decided that the sale is going to stand and that we have to be out of our home. When we asked if we could appeal the decision, they gave us 48 hours, but they mailed the appeal form and we will not receive it until after the deadline passes. PLEASE STOP OCWEN FROM ILLEGALLY STEALING OUR HOME!!!! They wanted it stopped and the property went back to them, so they can just give it back. HOW CAN THEY BE THE JUDGE, JURY AND EXECUTIONER and throw us into the streets?!?
Product: Debt collection

This company Allied collections has no business or account with me. I see on my credit report Allied collections is reporting some type of debt, im not familiar with the original creditor but this is not my account nor is it my liability. Allied collection blatantly disregard the rights and protection and requirements under the FDCPA. Allied collection is required to provide notice or some type of communication with me before reporting any debt. Allied collection never gave me any notice of the collection account and they never provided me with any disclosures or my right to dispute the debt. Allied just passively started reporting the debt on my credit report which is against the FDCPA. 

Allied collections is using unfair and deceptive debt collection practices by reporting this fraudulent account on my credit report without first communicating with me the consumer. It is unfair and deceptive for Allied collections to report an unverified account on my credit report without first giving me the chance to dispute the debt. This unfair tactic is called debt parking or passive debt collecting which is in violation of the FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 


In accordance with the Fair Credit Reporting act XXXX XXXX # 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 


In accordance with the Fair Credit Reporting act XXXX  XXXX # 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit card or prepaid card

I have an American Express Blue Preferred credit card. When it recently renewed, I was charged the {$95.00} annual fee. I am never late with payments and never incur any finance charges ; however, I incurred a modest interest fee last month because the annual fee is treated as a cash advance and begins accruing interest when it is posted to the account. There is no possible way to avoid the assessment. 

I lodged an inquiry with American Express and they have since credited the interest back to me ; however, this policy strikes me as unfair, though probably very profitable for American Express.
Product: Credit reporting or other personal consumer reports

The XXXX major credit bureaus ( Experian, Equifax, Transunion ) have failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. The same can also be said for the other two credit bureaus ( Equifax and Transunion ). I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian, Equifax, and Transunions inaction violates federal law and my rights as a consumer.
Product: Vehicle loan or lease

on XX/XX/XXXX, My car was repossessed at my XXXX  job, after just returning to work from XXXX XXXX. I tried to make a payment online like I usually do and notice back in XX/XX/XXXX, that my Santander USA Consumer online account was locked, after making several calls throw out my XXXX  XXXX  even before XXXX XXXX Automated calls were coming through but no one answering or returning the calls until XX/XX/XXXX or XXXX, which I made a partial payment of XXXX with the representative. At that time I requested to have my account online unlocked. I was transferred and no one picked up so I called again 3 more times. The company is located in Texas so we share the same time zone. After the repossession, I made the call a female representative answered so they knew the car was in their possession, not a letter received or anything, the female representative stated that I would have to pay over {$4000.00} to receive the car and for them to think about reinstatement of the loan. The car note was {$770.00}. To no avail no assistance to have the payments put to the end of the loan. I kept getting calls while on XXXX  to buy back the car because of the low miles. They never gave me a location to retrieve any of my personal items from the car. I was set back terribly financially and I found out on XX/XX/XXXX after reviewing my account online that the car was sold leaving me with a balance of {$14000.00} on the loan and {$7900.00} past due statement.
Product: Money transfer, virtual currency, or money service

I inquired about a home and spoke with a man about the deposit and the rent he did a so call application process on me and then proceeded to tell me the total to move in was XXXX deposit and XXXX a month I paid the man his money and moved in on XXXX XXXX on XXXX XXXX someone from XXXX XXXX  was in the driveway waiting for us telling us we arent supposed to be there we explained to them what happened and they explained to us that we were scammed. Tried to reach out to him to get my money back he isnt answering and the bank isnt able to give me a refund or reverse the payments and they said they cant due to how he told us to pay.
Product: Mortgage

Our mortgage was purchased by XXXXXXXX XXXX  XX/XX/XXXX. Our account number is XXXX. We had damages to our home due to Hurricane Ian on XX/XX/XXXX and we received a check from our insurance company with both of our names ( XXXX and XXXX XXXX ) and our mortgage lenders name ( LoanCare ). We called our mortgage company to find out the proper steps to follow to obtain signature and for the check to be returned to us. We were advised because they had recently purchased our mortgage we could not proceed online and we were given a specific address : LoanCare XXXX Insurance Claims Processing XXXX XXXX XXXX, XXXX, XXXX  XXXX and were advised to write the tracking # XXXX on the bottom of the check. We were advised the check would be signed and mailed back to us in 5-7 days. We mailed the check to the above address overnight and it was received on XX/XX/XXXX. We received a letter dated XX/XX/XXXX which states : Based on your current mortgage loan status and the insurance loss, it has been determined that the claim is classified as non-monitored. This means we can endorse and return the loss draft check to you without further conditions, allowing you to immediately begin repairs on the property. We paid out of our pocket and all repairs were completed prior to receiving the check from our insurance company. We have made multiple calls and also spoke to XXXX XXXX from the resolution team and we still have not received our check. We called again today XX/XX/XXXX and were advised they were waiting to here back from corporate. I inquired where their corporate office was located and the agent told me she had no idea. They are holding our personal money that we could be getting interest on. This is not an acceptable practice and we get a different response every time we call.
Product: Debt collection

I purchased a car on XX/XX/XXXX in the amount of {$17000.00} with an interest rate of 21.13 %. I let the car go and the car was sold for {$6100.00} in which Prestiage Financial received payment of that on XX/XX/XXXX. I have paid {$10000.00} in payments and I have been getting garnished and have paid {$8300.00} and paid voluntarily {$1500.00} to stop the garnishment. They have been unfair and stating I still need to pay {$250.00} a month on top of garnishment in XX/XX/XXXX and a payment of {$1500.00}. According to my calculations Prestiage Financial has received {$26000.00}. 63. They keep threatening me they are going to keep garnishing my wages and greasing me with phone calls. I never received a judgement letter to go to court as they send it to an old address when they new my current address and failed to send it to the correct one and stated they had no control over that. I am tired of being threatened by them and I have almost been evicted on several occasions due to this. I am seeking help in regarding this matter and an investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  should not be reporting the XXXX XXXX XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account did not appear on my previous credit report however, it is appearing now. This account does NOT belong to me and is reporting in error. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of an account that has a collection/chargeoff that does not belong to me is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX MI XXXX XX/XX/2022, XXXX XXXX XXXX XXXX, MI XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX : {$1000.00}
Product: Checking or savings account

Merrill lynch discussed my account with another business without my permission and disbursed my funds to that business and lied and said they never accepted the check I deposited they stated they sent the check back to XXXX when they did not they illegally sent my funds to a check cashing place when I had already changed my mind with cashing with them I did not receive funds on XX/XX/XXXX from them and thats when I cashed my check with Merrill lynch XXXX could not put a stop payment because it was already cashed with Merrill I still havent received my funds to this day these companies are both crooked and I need my funds back.
Product: Mortgage

XXXX, XXXX XXXX, Wells Fargo and XXXX! I thought I had purchased a home with my now ex-husband. Discovered I was never on the home. It was purchased through a Hud voucher section 8 program. Fraud has been committed against me. And I am now homeless and still waiting for answers. From you also CFPB! I have rights and they have been exploited, violated, abused and betrayed in every possible way that one can imagine! All I am asking for is answers. I deserve answers!
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquiries reported on my credit report are a violation of my privacy and the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

Despite multiple requests for reinvestigation, the responses received have not adequately addressed the discrepancies in question.
Product: Debt collection

I have a derogatory mark in my credit report from national credit adjusters. I paid the debt owed to them abs that mark is still on my credit report and is still being reported. I called them to have it removed and they says they dont do that. So Im seeking higher actions to have this matter if possible. The debt was paid off in XXXX and they are still reporting to my account they last time they reported was on XX/XX/XXXX and I dont understand why when it was settled.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I requested information about a personal loan from XXXX. 

LendingClub was a company with a robust online profile who seemed like a reputable lender. 

I submitted my application on XX/XX/XXXX and received a notification asking me to complete my application with the last step being for me to verify my bank account with a voided check. 

This enabled me to view a Truth in Lending Disclosure so my wife and I could discuss whether or not we actually wanted to proceed with this loan. I can not view this disclosure until I complete my application. LendingClub considers a completed application grounds to fund the loan immediately. That is not clearly disclosed. 

On XX/XX/XXXX I received an email saying my loan was approved and it would be funded in 2-3 business days. Being a XXXX funds were not deposited until XXXX 

LendingClub says that loans may be cancelled within 5 business days of the loan being funded. 

They do not provide a way to cancel your loan within any of their disclosures. On their website they say I may cancel a loan from Monday-Friday from XXXX - XXXX XXXX time. 

The money came into my account on XX/XX/XXXX. I called in on XX/XX/XXXX because I was not able to call on the XXXX and XXXX. The representative said my loan will be canceled. 

Money was not withdrawn from my account. After following up twice LendingClub on XX/XX/XXXX & XXXX will not cancel this loan because they say I needed to call in and cancel on XX/XX/XXXX. Any time after is considered more than 5 calendar days. 

Repeated requests to speak with a supervisor were delayed with excessive hold times and they promised email follow up on XX/XX/XXXX which was never provided. 

How am I supposed to understand my true cost for taking out their personal loan when doing so commits me to moving forward with their financing product. 

As a XXXX XXXX XXXX it is shocking to see that this company is not required to evaluate my ability to repay the loan. A simple debt to income calculation would indicate this as an unreasonably high cost product the manner in which the funds are distributed are intentionally predatory.