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

1. I advertise for one of the extra room for rent in my House in a classified ( XXXX XXXX ). 

2. Some one reached to me via email. He introduced me and attached his driving license for reference. Also he said he is from my home XXXX  XXXX and XXXX  XXXX, In US he is working in some artificial intelligence company. He seems like legit to me initially.

3. He told he is now in XXXX due to work, need to move to XXXX XXXX because company is asking him for relocate, So now he is looking for rooms in XXXX XXXX. He also said his company is giving the money in the form of check for relocation around {$4600.00}. 

4. He asked me a favor, As the company is issuing only one check he wants that check to be in my name and i will keep the first month rent and security deposit which is {$2000.00} ( we agreed up on it ) and return {$2600.00} to his Travel agent. 

5. I told him i will not do that. why don't he do all this because it's his money. He said he is closing his bank account ( In XXXX XXXX XXXX ). Since this bank is not anywhere else so even if he deposit the check it will be more trouble to access this money. 

6. I could not see any red flags till then because this never happened with me. i trusted him. I thought i am helping someone and thought anyhow he is going to live in same house and agreed to help him. 

7. I received the check and deposited in my Bank Of America account on XXXX XX/XX/2021. The check get cleared next day on XXXX XX/XX/2021. So he asked to transfer {$2500.00} to his Travel agent ( XXXX XXXX XXXX through XXXX ( In Bank Of America App ) on XXXX XXXX XXXX i did it. In the mean time he said he will reach here in coming week-end and asked me to make sure room is clean & available. Also he asked me to close the classified as he is booked for the room. I didn't see any red flag till then.

8..The Deposited check is bounced the next night XXXX XX/XX/2021. That's when i realized it could be fraud and reached out to Bank. So after investigating for a month Bank said they can't issue any claim.
Product: Credit reporting or other personal consumer reports

There are hard inquiries from several companies I do not recognize. 
Such as, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I spoken with my leasing manager after i move out we agreed the remain amount that i was paying was XXXX. We discussed the damage fees that where added on the summary i got when i move out but i never received invoice on what was damaged so the bill end up going to collections now they collection agency trying to get the whole balance of XXXX which it wasnt that much when i talk to the leasing manger at the apartment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want the company to removI am a victim of identity theft please remove this fraud inquiry from my credit report.e the fraudulent inquiries in my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX XXXX numerous time also sent in a dispute letter about the 3 late payment on my credit report last one was sent in on XX/XX/2022 asking to remove the late payment and still haven't gotten a response.
Product: Mortgage

OCWEN finiacial services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ID ( OCD ) My house was foreclosed XXXX XXXX 2015. WHICH I should have enter the six month redemption period. Ocwen has ignored the redemption laws/rules will not allow me to participate in the redemption of my home. THE Customer rep is a call center is from a in XXXX who is reading off his screen. OCWEN does not have a foreclosure departtment. And it 's website is down which prevents anyone to lodging a compliant. The customer rep told me I could not redeem my home period with no reasoning to why not. He then told me to go XXXX a home seller website which does n't list my home. What he told me over the phone originally that the refrence number was a customer care rep of OCWEN instead it was XXXX. 
I ca n't reach a single person in the company to discuss the matter. I have not received a single letter since the forclosed sale. I 'm only asking that OCWEN allow me my right to redeem my home at fair market value. And to woefully allow me to actively participate in my redeption period. MY LOAN NUMBER IS XXXX.
Product: Checking or savings account

I submitted a fraud claim with Bank of America shortly after I noticed a large charge at a supermarket I dont go to as well as charges in XXXX including withdrawal at an ATM. I recently had received a new debit card from them as my other was about to expire. I notified the bank employee that I had one of of my debit cards, but the other was missing. I was also confused as to how someone could use my card at an ATM as I dont keep my Pin anywhere on me, and the employee informed me that information is stolen all of the time. Claim was filed on XX/XX/XXXX18 and I received a temporary credit which totaled around {$450.00} for the fraudulent charges. I received a call on XX/XX/XXXX18 about my claim. I called back the next day and was told my claim was denied because it didnt follow a fraud pattern. Also told that on XX/XX/XXXX18 the credits would be reversed. I would have to mail a letter to get them to re look at the claim. By that time I will be out all of the money again which I can not afford as a student. For a company that says they offer 0 liability and as someone who reported the fraud as soon as I noticed it, I am astounded that they denied the claim for such reasons and I would have to re file a claim in order to try and get my funds back. That would be another month process and again, I would still be out my money. After doing some research I have found many people where the same issue has occurred with this bank.
Product: Credit reporting or other personal consumer reports

RECENTLY. I DID AN INVESTIGATION ON MY CREDIT REPORT AND FOUND ITEMS ON THERE TO BE INACCURATE. 

UNDER 15 US CODE 168 ACCURACY OF REPORT WHENEVER A CONSUMER REPORTING AGENCY PREPARES A CONSUMER REPORT IT SHALL FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUM POSSIBLE ACCURASY OF THE INFORMATION CONCERNING THE INDIVIDUAL ABOUT WHOM THE REPORT RELATES. 

PLEASE REMOVE THE FOLLOWING ITEMS FROM MY CREDIT REPORT INMEDIATELY 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 CARD PLEASE REMOVE THE INMEDIATY THIS HARD INQUIRIES
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX DEPT ED XXXX ... XXXX XXXX XXXX XXXX ... XXXX ( Original Creditor : XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting this account has violated my rights.

15 U.S.C 1681 section 602 A. States that I hae a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It is also states that a consumer reporting agency can not furnish an account without my written instructions XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting debt collections on my credit file that I do not owe. These collections are not mine! I have never received any notices for them, and I do not know what they are for.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is reporting as Closed, as CHARGE OFF? The account is UNAUTHORIZED... I HAVE Never gave XXXX XXXX XXXX XXXX, CHALLENGE FINANCIAL SERVICES, AND XXXX XXXX XXXX any Consent report on my report pursuant to 15 U.S. Code 1681 B. You must have written consent from I the Consumer... I am the natural person who is protected under the Federal law and FCRA... These companies continue to fraudulently report inaccurate and false information.
Product: Debt collection

Credit Collection Services have been constantly calling me for debts that are not mine and knowingly know that i have not contractual agreements with them. nor have I open any account with them XX/XX/year>.
Product: Credit reporting or other personal consumer reports

XXXX is reporting a company on my credit report has delinquent thats not accurate The Account do not belongs to me..
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX XX/XX/2019 ; XXXX XXXX XXXX XXXX XXXX XXXX OR XXXX XX/XX/2019 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OR XXXX XXXX Balance : {$17000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX  Balance : {$0.00} XXXX XXXX Balance : {$6100.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$5500.00} XXXX XX/XX/XXXX
Product: Payday loan, title loan, or personal loan

During a time of separation my wife took out a predatory loan. My wife speaks only XXXX  and went to LoanMe. They told her what the payments were but intentionally hid the high interest rate. She was unable to make the payments so they sued her in XX/XX/2017after saying that she was served at an address we had not lived at for some time. There could not have been service at that address. Now that we are aware of the judgment we have made reasonable offer they refuse to come to a reasonable amount. They took advantage of the language barrier then used the legal system to bully her. I believe AB 539 was recently passed which protects consumers like my wife. I believe LoanMe is in violation of 22302 of the Financial Code as demonstrated in a recent case De la Torre -vs.- Cash Call, Case No. 08-cv-03174-MEJ. The California Supreme Court held this type of loan practices unconscionable under 22302 of the Financial Code.
Product: Money transfer, virtual currency, or money service

This complaint is against Citibank N.A. 
I opened my Savings account with them online in Texas. 
There is no way for me to transfer money. They have no branch in Texas, they don't give check facility, no ATM high amount withdrawal, won't let activate check sent to me, keep misguiding me and make false promise. It was extremely extremely painful dealing with them for any solution. I can't even wire ( paid service ) out money as they have limit on it! It was very painful. I even wrote letter to their Compliance office twice but no response!
Product: Credit card

I was notified through my mortgage company a credit inquiry had been made. Mortgage company provided the credit inquiry information and name of company reporting inquiry. The credit inquiry was dated on XXXX at Citi XXXX XXXX XXXX phone number ( XXXX ) reported by XXXX. I did not request this credit inquiry. I did not apply for any credit.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : " XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I received a copy of my credit reports and am writing to dispute the following information that appears on my XXXX, Transunion, and XXXX report. 

Please verify or remove immediately the following accounts : 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 XXXX XXXX XXXX {$760.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX {$790.00} Date opened XX/XX/XXXX XXXX XXXX  {$2000.00} Date Opened XX/XX/XXXX XXXX XXXX {$2100.00} Date Opened XX/XX/XXXX XXXXXXXX XXXX {$1400.00} Date Opened XX/XX/XXXX XXXX XXXX  {$840.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX {$730.00} Date Opened XX/XX/XXXXXXXX XXXX
Product: Debt collection

Allied Interstate keeps contacting and harassing me via email and phone to collect a fraudulent debt. I 've already contacted their said client XXXX, XXXX and confirmed the fraudulent charge.
Product: Mortgage

submitted package to service sps ; they did nothing to help or assist with being upside down and payments too high sps based their outcome on current value rather than the homeowners monthly expenses
Product: Mortgage

We believe LoanCare is not calculating our monthly payments correctly and are overcharging us. They are overcharging for insurance costs. They also have our escrow monthly payment amount at {$520.00}! In addition to property taxes, they are charging us some fee called " Other Taxes ''. We are unable to determine what this is. We have made numerous attempts to contact this company via phone and email. We have never reached a person via telephone ; we have been on hold, more than once, for over 45 minutes in a loop that says all customers service agents are busy. We then sent an email, which, when finally answered ( email was sent on XX/XX/XXXX and the company responded on XX/XX/XXXX ), was a request for us to FAX our statements in ( I am attaching the aforementioned email ). This does n't make sense to us as they can see our account details and all the respective statements, costs and fees. Once again, the company not doing their due diligence in servicing our loan. Our original loan was sold to this company and thus far we are very frustrated.
Product: Vehicle loan or lease

Each credit bureaus are showing several inaccurate information, one credit has even falsify the payment history. I have mailed a certified letter asking to validate the account but the letter was returned to me but I got letters saying that it was validate and if I had any additional question reach out to the company. The same address I used for the certified letter is the same address that was given to me. I have also submitted the tracking information but nothing has been done.
Product: Credit reporting or other personal consumer reports

Lender submitted hard inquiry... Without request from me..
Product: Vehicle loan or lease

Sunbit is a financing company that approved a loan in my name with my dob, social security and address for either a motorcycle or motorcycle gear. I did not file for this loan.
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 : # XXXX XXXX XXXX XXXX : # XXXX - {$470.00} XXXX XXXX : # XXXX - {$0.00} Has violated my rights. Or list of inquiries 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: Debt collection

I called to settle the account for my husband on XX/XX/XXXX,due to a balance discovered from our relator agency. Not once did we receive a letter of validation regarding this account. I called to settle the account to proceed with our mortgage loan. Today is XX/XX/XXXX and my ach information has not yet been processed for payment. I spoke to XXXX XXXX and she requested I give her another form of payment. I requested the information on to why my payment had not processed. I explained I do not want to be charged twice for a transaction that has not cleared I need to know the details. I left two messages for XXXX XXXX and still have not received a call. It does not take 10 full business days for an account to be charged with an ACH debit.
Product: Debt collection

I received a call from my ex coworker who I have not worked with her for over 8 years stating that someone from Summit Receivables called and asked for me and said they have document against me about a debt and they are reviewing right now for action. They called from ( XXXX ) XXXX and said to call them back at ( XXXX ) XXXX. This is unacceptable that they called an old coworker that I do n't associate with and disclosed my personal information, which is not true to damage my reputation.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on the platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed unauthorized inquiry on my reports or noticed someone applied for something in my name. According to the FCRA ( Fair Credit Reporting ACT ), legally these unverified & unauthorized items must be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I filed a complaint with CFPB XXXX regarding Equifax improperly reporting an open account through XXXX. This account was closed with a XXXX balance. I received notification that it would be removed. It has since reappeared on my credit report.