23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

THIS ACCOUNT IS A RESUL OF IDENTITY THEFT I HAVE COMPLETED A FTC AND HAVE SENT IT TO THE COMPANY AND ALSO TO THE CEDIT BUREAU CREDITOR IS ( MACYS DATE OPENED XXXX BALANCE XXXX ACCT # XXXX. I
Product: Credit reporting

I have never had any agreement with this company! They are reporting to all credit bureaus that I owe them a debt which is illegal! According to XXXX XXXX XXXX, XXXX. XXXX " The right of subrogation does not exist for a stranger to the transaction. '' They have no legal rights to report any debt or other wise to any bureau nor post or obtain any information on my Credit Files. This is not a dispute and should not be posted on my report as said. 
This is in regards to XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  has appeared as an hard inquiry to which was never authorized.
Product: Credit reporting or other personal consumer reports

In XX/XX/2024 I signed up with XXXX XXXX  for a free trial. After a few days if I did not cancel I would be charged $ XXXX for XXXX months. I canceled with XXXX XXXX  in the time allowed. I never used or received any product from XXXX XXXX and I requested in writing to cancel. 
Affirm then said I owed the money. I replied to their emails saying this should be canceled but their address came back " no-reply. '' I attempted to find another email and phone number but nothing was included in any of the information. I then found where they said you could write to their office if you needed something. I then wrote a letter explaining and asking to cancel. No response was given. 
Since then I have received XXXX texts and emails from Affirm threatening me to pay them or they would report to the credit bureau. I replied to each text - Cancel, etc. Affirm then reported to the credit bureau I did not pay them. 
Again, I canceled in the right amount of time. Did not receive anything from XXXX XXXX - the loan for which Affirm says I am responsible. 
Affirm continues to harass me.
Product: Debt collection

I am a victim of the equifax security breach, all my info was exposed. I am requesting that all negative accounts be removed because this breach left me exposed. Im asking for rapid removal. Debt from XXXX til current.
Product: Vehicle loan or lease

Hello, I leased a XXXX XXXX XXXX through XXXX  XXXX on XXXX XXXX, XXXX. I now have 4 payments left on the lease. The car has broken down twice, the first time on XX/XX/XXXX. The car just stops dead with a check engine light on. Both breakdowns occurred on a busy road and the car was almost hit several times. I picked up the car the first time on XXXX XXXX. The car lasted 2 days and broke down again. The car is still at the dealership 2 weeks later. They do not know what is wrong with it, nor is there any communication from the dealership with updates. I have requested that the dealer release me from the remaining lease so I can get another vehicle. I owe only 4 payments and requested waiver of the early termination fee. They will only do so if I purchase or lease another vehicle from them which I will not do because the customer service is nonexistent there. The lease holder, XXXX XXXX offered no assistance. I am expected to continue to make payments on a car that is not usable. When I requested a loaner car I was not assisted and needed to call XXXX XXXX XXXX XXXX to secure a vehicle. I have had to do this twice. I have a rental car bill of {$470.00} to pay for this first car and I am incurring another bill for the second car which is adding up every day. I have lost 2 days off from work because of this also. I need this terminated with no negative effect on my credit rating. The local dealership I used is XXXX XXXX XXXX. They are located at XXXX XXXX XXXX, XXXX XXXX, NY XXXX : XXXX or XXXX. The address I have for XXXX XXXX is XXXX. XXXX XXXX, XXXX, TX XXXX. XXXX. XXXX Thank you for any help you can provide.
Product: Mortgage

Case Number:XXXX XXXX : As per XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX, response to my XXXX/XXXX/XXXX, compliant. She states Bank of America do n't tolerate discrimination or predatory lending. I beg to differ with her explanation. Because from XXXX to XXXX XXXX, when they transferred my first mortgage to XXXX XXXX XXXX XXXX. They refused to refinance my mortgage not for lack of documentation. But, because I would not agree to another predatory loan with excessive interests rates, and premium spread. I have documentation that BOA tried to charge me XXXX XXXX, XXXX, and XXXX XXXX dollars, respectively to refinance a conventional loan for me. BOA could have refinance a Veterans Administration loan for me. Because, I 'm a XXXX XXXX Veteran. They refuse, that is the reason they transferred the loan to XXXX XXXX XXXX XXXX. If they had gave me a VA loan. It would have cut my mortgage in half. From XXXX XXXX dollars a month to XXXX XXXX dollars a month. If this is not discrimination. Please! tell me what is. BOA have given XXXX Veterans hundreds of VA loans, if not thousands since XXXX to XXXX.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to raise concern with regards to incorrect personal information your agency is reporting on my credit report.
Product: Checking or savings account

Hello, A while back, there was fraudulent activity on my bank account held by citizens bank. A check was supposedly cashed from my account in the amount of {$1200.00}. 

First off, I have never had checks for this account. 

Second, the bank says they denied my claim because the teller stated the person who cashed the check was an authorized user on the account and that the person matched video footage from a previous date. However, one of those dates I was in class at XXXX XXXX XXXX XXXX. Over 2 hours away from the branch in XXXXXXXX XXXX XXXX. The other date, I was working XXXX XXXX XXXX in XXXXXXXX XXXX. 

I have provided the bank with a police report and was told the claim would be reopened. After not hearing anything for a very long time, I called back. I was told that besides the police report I need addition proof that the person who stole from me is not me, before the bank would reopen the claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I noticed accounts on my report that didn't belong to me. I immediately sent in a dispute to TransUnion certified mail. 

I didn't hear back so I called on XX/XX/XXXX & XX/XX/XXXX with no help. I even kept offering my certified tracking number. It has been sent but Transunion kept telling me they dont have & were rude. This is sad and I still haven't even heard back from these Companies yet.
Product: Credit card or prepaid card

I have been charged interest charges on unpayed balance since XX/XX/XXXX upto and including XX/XX/XXXX. During this prior of time I never received a paper or e-mail statement on billing. Therefore Sears Citi Credit Card Company has been taking the mim.payment from my checking account and adding interest at a high rate monthly on the unpayed balance. I think since I did not received any monthly statement that I should not be liable for any interest charges to my account. Prior to this time frame I have always pay my bill in full monthy. I am a Senior age XXXX and not afford all of these bogus charges. Request an Investigation into this matter.
Product: Credit card

Ensuring timely payments on this account has always been my priority, and I have never let them become overdue. I am uncertain about the reasons behind reports of late payment remarks on my accounts. As per 15 USC 1666b - Billing Error, corrections should be made.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> 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 ) ( XXXX ) 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 XXXX years. 

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

My Ex Husband and I applied for the original 30 year mortgage in XXXX. 
Our divorced was finalized on XX/XX/XXXX. 
Court ordered Ex Husband, to NOT incur anymore debt on my behalf and to remove me from the mortgage ( JPMCB-CHASE Home XXXX  ).

I provided him with a quick claim deed as court ordered for my removal of said mortgage. 

In XXXX he started the process to modify the mortgage as he let it default and was unable to afford payments. In order to modify the mortgage he needed to provide proof of sufficient income to cover the mortgage. He provided paystubs, bank statements and a written letter informing the mortgage company that I ( the primary on loan ) no longer resided in the home and that his new girlfriend lived there now and that the information he had provided was her 's ( New Girlfriend 's ) proof of income and banking information. Which is stated very clearly on the paystubs and bank statements. 

The Mortgage Company ran my credit, used my social security number, my personal identification information and impeded ( New Girlfriends ) finances to reflect on my behalf to approve the modification without my knowledge, or my signature. 

I HAVE ALL THE DOCUMENTS THAT WHERE USED TO APPLY FOR THE LOAN MODIFICATION. HOW IS THIS LEGAL AND POSSIBLE!! 

It is now a 45 year mortgage which incurred about {$55000.00} in fees, charges and has a fluctuating interest rate for the life of the new 45 year term. I was made aware of this sometime around XXXX. Because of the time frame, local county law enforcement have informed me that are unable to prosecute my Ex Husband or the mortgage company. 

I have called, I have sent letters and the mortgage company does nothing. The mortgage company has told me they did nothing wrong and due to the mortgage being current they have no reason to make changes. Because of this my credit has been GREATLY affected. I am being reported to the credit bureaus, and as such it has caused my debt to income to be affected which in turn does NOT allow me to have a good credit score. I have ALL of the documentation to prove all that I have stated. I NEED HELP its been 12 years.
Product: Student loan

On XX/XX/2023 at XXXX XXXX I sent the following message via Contact Us mohela.com : My student loans in Federal Student Aid and Mohela both say that I withdrew from my program, but I graduated in XX/XX/2023. How do I get this information corrected? 
The response I got ( attached XXXX  ) was to call. I am experiencing difficulty reaching the appropriate department through their automatic call transfer system as the system is not recognizing the keys I am pressing to initiate the transfer.

I sent another message : I am on the SAVE repayment plan. I have verified via studentloan.gov. I am trying to call MOHELA to discuss why my payment is significantly higher than what I was told ( attach XXXX  ). Unfortunately I can not get past the keypad portion of your automatic call robot, as when I press the correct number it does not recognize, repeats the question, and then hangs up on me. Contact me at ( XXXX ) XXXX. I will not be making a payment until this gets figured out.

- I have recently applied for and been approved for the SAVE program, but the MOHELA website does not reflect this change.

- The MOHELA website is displaying conflicting information regarding my payment amount.

- In one section of the website, my payment amount is listed as {$660.00}, while in another section it is listed as {$810.00}.

- In yet another section, the SAVE payment amount of {$150.00} is displayed.

- The website also displays conflicting information regarding my payment plan, with one section showing that I am on the SAVE plan and another section showing that I am on the Level plan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX
Product: Debt collection

I was a former customer of XXXX XXXX XXXX XXXX formerly XXXX  XXXX  for 17 consecutive years. I used their services at my various homes over the years without incident until I moved to XXXX, Fl. I followed the routine process to return equipment and tally up my account before transitioning to my new home. When I moved to XXXX, FL from XXXX XXXX, FL I decided to change providers and not continue with the XXXX  service. My new XXXX XXXX XXXX  ( XXXX  ) - XXXX XXXX XXXX began service on the date I terminated my contract with XXXX. There was no additional month or additional fees or equipment missing when I transitioned these services. I am XXXX years old and have owned and lived around the country ; obviously a mundane change in accounts is routine. 

However, XXXX billed me for {$230.00} claiming I owed this debt. I disputed this debt through numerous phone calls and correspondence explaining this debt is not legitimate ; and was assured each time ( by XXXX  initially ) it would be resolved. Instead, I was sent to collections and have been harassed by various collection agencies requesting written notice in 30 days to dispute the claim ( standard language used ) and have disputed each claim for these past 4 years. I have evidence of these communications, where the incidents are temporarily resolved to my satisfaction after tremendous effort and oversight on my part only to begin again when the debt is sold. 

This tactic of changing collection agencies and resuscitating attempts to collect on a fraudulent debt is harassment ; there is no other explanation after trying to resolve this issue in a reasonable manner. I am requesting your assistance as I have exercised my due diligence in resolving this concern since 2017 ; and I am going into my fourth year experiencing this harassment. I will not pay fraudulent expenses attributed to me that are not legitimate. I have an outstanding credit history and have always paid my debts on time. XX/XX/XXXXhas not exercised good faith and has certainly lost my good will for the barrage of incessant harassment towards me, a long-standing customer that responsibly paid each and every bill over numerous years and attempted to resolve this concern. I thank you for working with me and look forward to hearing from you. Regards.
Product: Checking or savings account

I deposited a check for {$24000.00} on XX/XX/XXXX through a Bank of America ATM located at XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. The automated system said that a hold was placed on my funds due to the check being a large amount. When I call to speak with a customer service representative, I still get that message and it says funds will be released on tomorrow, XX/XX/XXXX, however, in my online statements and documents, a letter was uploaded by the bank saying that the deposit was not accepted because it was not properly endorsed. I have made personal financial decisions with the understanding that my funds will be available by tomorrow ( XX/XX/XXXX ), that will very adversely affect me if they are not. These include not being able to pay my XXXX mortgages. 

They attached only the front of the check and the letter was addressed to my husband and not me. The check was made out to me. THEY ADDRESSED THE LETTER TO MY HUSBAND ONLY! Now my check is not being returned and I am being told to contact my client who issued the check. I am very upset because I properly endorsed this check using my name -- XXXX XXXX -- and believe I am being discriminated against as a XXXX woman, because of the amount of the check and the branch where I deposited the check. This branch is very close to my home and I have been depositing checks this way for over 23 years at this branch. 

My husband and I share an account and they assumed it was his check and addressed the letter to him and not me. The fact that they are holding up this check will now result in both of my mortgages being late. They told me to wait for the letter in the mail, which can be 10 days and then come into the branch with my ID and sign and then it will be held for another 7 days. This is unfair. This branch is only open from XXXX, which also makes it very difficult to make it inside the bank. 

This is why I regularly deposit checks through the ATM. Now I do not trust that process at all. This is not the first time there has been a problem with me depositing large amounts of money at this branch. They highly scrutinize and hold the checks for longer than usual times, but this time they flat out rejected the deposit and never showed any proof that the check was improperly endorsed. Please, any assistance that you can provide is appreciated!
Product: Debt collection

I am getting repeated phone calls from CBE Group which I discovered is a collection agency with many complaints against them for harassing people and trying to collect fake debts. 

The latest phone call just happened on XX/XX/2020 at XXXX XXXX  from XXXX which is obviously a " spoofed '' number, they are not located in XXXX Ohio. 

They won't leave a message, or a phone number, or a contact person. Sometimes it's just heavy breathing on the message. 

There haven't been any communications in writing so that I would know why they are calling me. 

I don't owe any bad debts and there are no collection accounts. I checked the three credit bureaus and there aren't any collections. 

I want these people to stop harassing me. If they had a valid reason to contact me they would have put it in writing instead of scaring me with heavy breathing calls.
Product: Checking or savings account

On XX/XX/XXXX someone stole XXXX dollars from my bank account. I have filed a dispute and reopened the investigation twice. They keep denying me and I already filed a police report.
Product: Credit reporting or other personal consumer reports

Multiple incorrect payment dates, late payment dates and accounts that I said did not belong to me. Both XXXX and Experian simply replied these have been verified with no further follow up or responses.
Product: Debt collection

The debt listed on my Credit report ( XXXX, XXXX XXXX, and Equafax ) is inaccurate and improperly reported by XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX, FL, XXXX. XXXX ). Account number is listed as XXXX on XXXX XXXX The debt is not listed on XXXX. I have attempted to resolve the matter directly with the debt collection agency, and though the credit bureaus. Despite my request, the inaccurate information remains on my report. The incorrect reporting has affected my credit score, caused financial hardship, and caused homelessness. I am being denied for homes and apartments applied for, to provide shelter for myself, and my XXXX parent. This is causing financial hardship for me. 
I attempted to contact XXXX XXXX XXXX XXXX on XX/XX/year> at XXXXXXXX XXXX XXXX I was told that this company is not the original debtor, that they were hired to manage the debt. I was told that I could not receive any information regarding the original debtor. I was told to call back after I " gathered my money '' to pay the debt. I was told that they would not negotiate a reduced amount suitable for my financial situation. The debt is currently XXXX XXXX XXXX. 
I respectfully request that the FTC investigate this matter, as the ongoing presence of this inaccurate debt on my credit report is a violation of my rights under the FCRA and FDCPA. 
You XXXX reach my at XXXX ( please leave voicemail ), or XXXX if any further details are required.
Product: Mortgage

In XXXX of XXXX I approached my mortgage holder, Wells Fargo, about a modification to my mortgage of {$450000.00} due to economic hardship. In XXXX of XXXX that request for modification was denied by Wells Fargo. I continued to pay my mortgage to the best of my ability while pursuing other avenues to assist in obtaining a mortgage modification. 

In XXXX my economic situation become a bit more constrained as my youngest 's son was diagnosed with XXXX and needed assistance with his medical bills. At this point I approached the law firm of XXXX XXXX XXXX to aid me in obtaining a loan modification with Wells Fargo XXXX After several arbitrations and meetings with my legal representatives and Wells Fargo 's team a final court was set around XXXX of XXXX. 

At the final arbitration of XX/XX/XXXX I was informed that I would not be receiving a modification to my mortgage and that Wells Fargo would be moving forward with foreclosure proceedings. At this point I was given notice to vacate the property which I did on XX/XX/XXXX. The following year my former property went to auction and was sold.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA Violation : address not mine XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX FCRA Violation : collection not mine XXXX XXXX XXXX {$270.00} XXXX XXXX XXXX {$33.00} XXXX XXXX {$220.00} XXXX XXXX XXXX {$570.00} XXXX XXXX XXXX  {$540.00} XXXX XXXX XXXX {$350.00} XXXX XXXX {$1100.00} FCRA Violation : auto loan not mine XXXX XXXX  FCRA Violation : other loan not mine XXXX XXXX {$540.00}
Product: Credit card

I am a victim of Id theft I have been contacting American Express regarding this account and have submitted multiple documents. I have been met with silence from the back office on why they keep rejecting my claim. I was first told that payments made on this account. Were valid and I submitted documents proving that was inaccurate and due to checking accounts being opened in my name. I have requested MULTIPLE phone calls and havent gotten one.