23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, we, XXXX XXXX XXXX XXXX were advised by XXXX XXXX that the repair check made out to XXXX XXXX ( our lessee ) and XXXX XXXX XXXX XXXX was cashed without the endorsement of XXXX XXXX XXXX XXXX and without our permission. The strange part it, XXXX XXXX XXXX XXXX had possession of the repair check. It was somehow mobile deposited through Wells Fargo on XX/XX/2022. So, the check was deposited before we got possession of the check. 
We submitted an affidavit of forgery to Wells Fargo bank, through XXXX XXXX. on XX/XX/2022. That same day, we got an email with a new affidavit of forgery for XXXX XXXX  and we were informed that was the insurance company 's bank. So, we did the new form, submitted everything that day. We have not heard back from the insurance company. We have attempted to reach them by email and by phone. And its the manager we are contacting. We have received no response.
Product: Debt collection

Was a collection front tv cable, and we talk and we decided to pay i n 2 parts, I pay the first one and I give authorization to get the second pay on my car automatically.    I do n't know why is the complain. I pay for this  XXXX  account alrready.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX  XXXX Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against FOX COLLECTION XXXX for violating my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

I am disputing the validity of account number XXXX, which FOX COLLECTION has placed on my consumer report without providing the required validation information as outlined in 12 CFR 1006.34 ( b ) ( 5 ). Additionally, I have not been given the opportunity to dispute this account, as required by 12 CFR 1006.34 ( c ) ( 4 ) ( I ).

Furthermore, FOX COLLECTION has engaged in false, misleading, and deceptive practices in their collection attempts. They have no authority to furnish this account to consumer reporting agencies without providing the necessary disclosures required by law. This is a clear violation of 12 CFR 1006.344 ( d ) and 15 USC 1681-s 2 ( 7 ) ( A ).

I am disputing any and all alleged debts to FOX COLLECTION and revoking their authorization to communicate with me via email, text, or phone calls.

I am requesting the following : Debt validation and verification A copy of the purchase agreement between FOX COLLECTION and the original creditor Proof that FOX COLLECTION is licensed and bonded I believe that FOX COLLECTIONs actions are unlawful and harmful to my credit standing. I request that the CFPB investigate this matter and take appropriate action against FOX COLLECTION.

Enclosed are copies of relevant documentation to support my claims. 

Sincerely, XXXX XXXX
Product: Debt collection

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them
Product: Credit reporting or other personal consumer reports

Subject : Opt-Out Notice Pursuant to UCC 11 and 15 UCC 6802 DeaXXXX XXXX XXXX XXXX XXXX XXXX, I am writing to exercise my right to opt-out of the information-sharing practices permitted under the Uniform Commercial Code ( UCC ) 11 and pursuant to 15 UCC 6802 of Title 15 of the United States Code. I am a customer of your institution, and I wish to limit the sharing of my nonpublic personal information with non-affiliated third parties, as allowed by law. 
Please be advised that I am opting out of the following : [ ] Sharing with non-affiliated third parties [ ] Sharing for joint marketing purposes [ ] Sharing with affiliates XXXX XXXX  Account Number : XXXX I understand that this opt-out request will apply to all account relationships I have with your institution. 
Please confirm in writing that my opt-out request has been received and will be implemented promptly. I appreciate your attention to this matter and compliance with applicable laws. 
If you have any questions or need additional information, please contact me at XXXX. Thank you for your prompt attention to this matter.
Product: Mortgage

I am getting the runaround from the holder of my FHA mortgage loan Bank of America. I experienced a true hardship about a year ago when I was laid off from my job. I began trying to reach out with Bank of America in order to apply for some type of assistance since I missed several mortgage payments. I was assigned to someone named XXXX XXXX who said she was going to help me get back on track. After going back and forth for many weeks I was told that my request was denied because I did not make enough money. I found this hard to believe, and went back through all of the paperwork. I then resubmitted all of the information again to Bank of America. After going back and forth for several weeks I was told once again that I was denied for help. However, this time I was told that I was denied because I made too much money? This did not make any sense, and led me to believe that Bank of America is not playing fair and is more interested in pushing me into foreclosure. I know that there are FHA programs available to help struggling homeowners. I was approved for a modification back in 2013 when my hours were cut at work. I was able to make my payments on this modification as agreed until I was laid off from my job. Now Bank of America is moving me into foreclosure. 

I have owned my home for 10 years. I have gone through many financial struggles which have caused me to periodically struggle with this loan and the payments. But I have always righted the ship and settled up and gotten back into good standing. At this time I am back working XXXX. I also have a live in girlfriend who is contributing 100 % of her monthly income from her job XXXX. If B of A were to conduct a current and correct assessment of our financial situation they would see that we fit into the guidelines for assistance. The problem is that it seems that their agents are intentionally obstructing the process and providing false and misleading information. 

The value of this home is far less than what is owed at this time. But I view this as my home, not as an investment and I want to fight to save it. I know that FHA has several different programs in place to help struggling homeowners and I believe that Bank of America is not following the rules and guidelines in this process.
Product: Mortgage

Hello my name is XXXX XXXX and I have a mortgage through PNC bank my account number is XXXX. I was on the forbearance program due to Covid. I have recently lost income. I now have a new job. And I am going through the process for a Loss Midigation application. My single point of contact has been changed and I have no way to make a payment on my account or speak to a representative. When I call any number at Pnc bank it directs me to a voicemail without an option to speak to a representative. I wish to make a payment on my account and am not able to do so or get an answer back on my loss Midigation application
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently noticed that there was an account on my credit report that I never opened, then i decided to do some investigating myself which also led me to findout that there was a checking account also opened without my knowledge. This is when i found out that i was a victim of identity theft. I closed the checking account and decided to file a federal trade commission identity theft report. I used this document to help me remove this fraudulent account off of my credit report. I contacted the creditor and the credit bureaus, sent them the needed documents to remove this account but both kept verifying it as accurate.
Product: Credit reporting or other personal consumer reports

Incorrect inquiries are listed on my report under 15 USC 16c-2. I did not approve them. Kindly remove these errors.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit agencies are not willing to correct information that XXXX XXXX has put on my credit report. They put my account closed as of XX/XX/XXXX and it was in good standing and did not get closed until XX/XX/XXXX after I contracted COVID and was in the hospital. XXXX XXXX  will not remove the incorrect information nor will Tranunion. I am trying to purchase a home and these late payments are hurting me. The late payments should have not been posted due to being affected by pandemic.
Product: Prepaid card

I was approved for XXXX benefits in XXXX. However, by XXXX I still had not received a debit card with my benefits. Upon calling the card issuer, Money Network Financial , LLC ( d/b/a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, they told me the card had been activated on XX/XX/2024 and that the entire balance save XXXX cents had been withdrawn or spent at ATMs and grocery stores in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I live in XXXX, and had never received the card, much less activated it, so I was completely baffled as to how this happened. I have informed delivery with the XXXX postal service, which shows me all pieces of mail that are delivered to my home. The envelope with the card was never even mailed. From there, I filed a police report, contacted Money Network, and told them everything that had happened. They put in a claim for me so that the fraud was now officially listed and in an effort to get those funds back to me. They said a new card would be sent. I never actually received that XXXX card! Then, on XX/XX/XXXX, when I went on the XXXX website to certify for benefits ( you do this every XXXX weeks ), I was told XXXX already been done on the XXXX over the phone. This money was released to Money Network and I never received these funds either. Money Network was unable to tell me where these funds went. 
Also on XX/XX/XXXX, I received a notice from Money Network that I would not be reimbursed for the money that had been stolen, as they had electronically verified the account. Meaning, they used a PIN when making the purchase but thats because the fraudsters set their own pin when they activated the card! 
I filed a claim for all monies with the CFPB and after more than a month, I received a check from Money Network for the funds that had been put on the XXXX card -- a total of {$1300.00}. However, I never received a check for the money that was placed on the XXXX card ( that I also didn't receive ), even though this account was also closed. It's been XXXX + months now and I'm still out {$810.00}, so I'm obviously just beside myself! 

**Note : I do NOT have have the pre-paid card number of the XXXX card that was stolen, as Money Network would not provide it to me. However, I DO have the XXXX card number, and both cards were " under my name ''. The XXXX card number is : XXXX XXXX XXXX XXXX. I did not want to list this on the following page, as I was concerned it might make things confusing without being able to explain.
Product: Credit card or prepaid card

I was Denied a Citi Custom Cash Mastercard because according to their algorithm Artificial Intelligence system and not a human I had too many inquiries. I called on XX/XX/2021 to see if I could be reconsidered but I was still denied. Keep in mind I have an active membership with XXXX  and XXXX XXXX and according to my XXXX XXXX XXXX, my credit score is a XXXX which is considered VERY GOOD CREDIT. I have an EXCELLENT payment history so there's no way I should have been denied that credit card. Prior to applying for their credit card, I had only 1 other inquiry so there's no way I should have been denied. I'm highly upset because this company not only discriminated against me due to my XXXX background, this company FAILED to give full disclosure to a consumer that you can only have 1 inquiry and it must be with them ONLY. I asked the representative if I could get their policy in writing and I was denied. As a victim of identity theft, how do I know this company won't open up a dummy account with my personal information they received? I want my personal information destroyed ASAP and I want this company reprimanded for engaging in false and misleading business practices.
Product: Credit card

I received pre-approval for a Chase Sapphire Preferred card and applied and had a hard credit check and was approved on XX/XX/2024. I used the digital card to make XXXX purchases at grocery stores and request and was approved for a credit increase. On XXXX  XX/XX/2024 the account was closed with no explanation given and they refused to elaborate or remove the credit pull. This has resulted in me wasting time and hurting my credit due to Chase 's deceptive practices and acting in bad faith.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2022 I refinanced my house through XXXX. During this time the loan officer stated to not make a payment until the refinance is complete. I asked him to send me a e-mail so I had something in writing, and he did. I now see that my credit report is showing a late payment during the refinance period.
Product: Credit card

I purchased an XXXX XXXX XXXXXXXX XXXX  XXXX from apple.com with my apple card from Goldman Sachs on XX/XX/XXXX. 

I finally discovered/realized that they had sent me the wrong phone ( XXXX XXXX XXXX XXXX XXXX instead of the XXXX XXXX XXXX XXXX XXXX ), but also billed me for an XXXX XXXX XXXX XXXX XXXX. 

I am currently using the XXXX XXXX XXXX XXXX XXXX which I have agreed can stay, but Goldman Sachs has consistently refused to take the fraudulent amount of {$1500.00} and another {$190.00} despite Apple telling them numerous times that they do not have ANY records of me making such a transactions. 

I have spend hours on the phone with them begging them to take the fraudulent charges away ; not only do the continue to ignore me, they refuse to take the charges off and they have also reported me to the credit bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in 2015, we cancelled our XXXX cable service and sent the XXXX back in the prepaid box they sent us. A month later, we got something in the mail saying that we hadn't returned it. I called XXXX and verified that it had been returned, but that just hadn't registered in their system yet. She said that took a couple of months, which made no sense, but I couldn't do anything about it. A few months later, we were told that this was turned over to collections and we started getting calls from the collection company. I called XXXX again, and they confirmed that the equipment had been returned, but didn't know what to do about the fact that the false debt had already been turned over to collections. I informed the collection company of this, and figured they would work it out with XXXX. But here we are 3 years later, and it is still on my credit. I filed a complaint with Experian, who said they verified the debt with XXXX XXXX XXXX. The debt is fake. XXXX shouldn't never have recorded it as a debt.
Product: Consumer Loan

hello my name is XXXX XXXX, and I was aggressively and thoughtlessly coerced into buying a car I did n't want and could not afford. on the date of XXXX XXXX XXXX I was just walking around and browsing at cars I had come across a little bit of money from a family lawsuit and I decided just to look around I was and currently still in a homeless situation. I asked the Nissan dealer about a used car that was outside and he said used cars are no good to just come in someone will help you. but I said I was interested in just some information on the used XXXX bmw convertible, but he insisted on making me come in. a dealer by the name of XXXX XXXX XXXX started to show me new cars in the showroom and insisted a new car was agood and better idea. I told him that it was n't because I was homeless and on a limited income of social security of XXXX a month and XXXX a month on foodstamps that I could not afford the car. he asked me how much I had avalible I said XXXX he said great I will make it affortable for you he said just put down XXXX down and your social security will cover the lowest payments on the car for XXXX a month. i did n't have any idea how to buy a car or what the options were of how much to put down and i was not prepared with any information and i had no idea about the difference between lease and finance plus a very important fact i did not even want this car at all. i told XXXX that i was not interested in the car he said do n't worry you should take it cause its new and safe.this is the Nissan dealership on XXXX XXXX, XXXX XXXX and XXXX XXXX, i became very very stressed out that he was not paying attention to my wishes and or being proffesionally thoughtful towards me at all that i started to cry and i wanted to break my hands so i would n't sign the papers. i kept telling him i am homeless and without work and without any supportive income for a high purchase and an unwanted purchase and it was the first time i was even buying a car. then when the finance manager told me to come in his office they were making fun of me saying oh mrs. XXXX XXXX is going to be living in her car and they kept making fun of me. while they were telling me to sign the papers and at this point the store hours were closed and they kept me in the store after store hours. About two months later the car got reposed and taken to XXXX then i had to go get it back and i did. then 4 months after that it got reposed again and i have never seen the car since. i called Nissan cooperation to find out what happen to the car and it was sold for XXXX dollars and then they mailed me a bill to pay off the rest for 9000.00 before this happened XXXX XXXX said i can give the car to my wife and she can take the car off your hands pay the payments but you pay the insurance till you get yourself off your feet. i thought that was very unfair. when i tried to return the car the Nissan dealership called the cops on me and said if you do n't come back and get your car we will arrest you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had Noticed an unauthorized inquiries from Credco on XX/XX/XXXX and XX/XX/XXXX and XXXX XXXX XXXX on XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My information was apart of the XXXX databreach and i have requested for it to be removed and nothing hads been done about it.
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

Bank  of America  offfered free checking because they were my mortgage servicer so I opened an acoount. Bank  of America tran sferred my mortgage to a new servicer on their own and breached the account terms and now illegally charge me {$25.00} for my account which should be free. Also, they charged me {$35.00} overdraft this month because the illegal monthly fee they charge me made my account go negative and they refuse to stop the monthly fee or refund the {$35.00} overdraft. I have also incurred expenses since they switched my mortgage servicer since I have to send the payment each month with tracking to Texas instead of just going into a Ban k of America branc h.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I recently learned that my personal information was used to open an account at XXXX XXXX. I did not open or authorize this account, and I request that it be removed from my credit file immediately. Please block this information from my credit report, as directed by section XXXX05B of the Fair Credit Reporting Act, and notify all furnishers of this information.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against TransUnion for their failure to respond to a dispute letter I mailed on XX/XX/year>. In this letter, I requested an investigation into several inaccurate items listed on my credit report, as well as the correction of incorrect personal information. 
Despite the significance of these inaccuracies and the impact they have on my creditworthiness, I have not received any response from TransUnion regarding the investigation results. This lack of response is both frustrating and concerning, as it affects my ability to access credit and other financial services. 
XXXX failure to respond within the XXXX timeframe mandated by the Fair Credit Reporting Act ( FCRA ) is a clear violation of federal law. The FCRA requires credit reporting agencies to investigate disputes and provide the results of the investigation to the consumer within 30 days of receiving the dispute. 
I seek assurance that the disputed information on my credit report will be removed and that my personal information will be updated accurately.