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

I came into a XXXX XXXX car dealership on XX/XX/2019 with the intention to buy a XXXX XXXX that day, and had a pre-approval from XXXX  XXXX. I was introduced to the sales rep XXXX XXXX and I immediately explained to him what I wanted, that I had also been pre-approved by XXXX for a 3.99 % rate, and that I did not want to put one penny down. He said sure, they could roll everything in, and showed me a car that met my needs and had me fill out a credit application on their computer. I again, let XXXX know I had a pre-approval from XXXX. He assured me this was the process. Needless to say I met with the finance guy next and he tried to get me to sign documents that said i was paying an 8 % interest rate and it was from another bank. I let him know of this error and he acted surprised then finally came back with 3.9 % rate from XXXX XXXX. After coming home with the car I have found my credit was pulled by over 5 banks ( XXXX XXXX , XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX , M & T Bank ) without my permission. These hard inquiries cost me a credit line already and have lowered my credit score. I am also very upset they have shared my credit history and personal information with other banks without my permission. I have tried in good faith to work with the dealership to have them removed but they are combative and show zero empathy for my situation. I have attached one of the emails I have sent, the credit application explanation I saw when authorizing the credit pull, and my pre-approval letter which I had showed the sales rep. 

My personal information including credit history, social security number, and income was shared without my permission. This needs to be fixed asap.
Product: Mortgage

MY NAME IS XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX, NEW YORK XXXX I HAVE MADE MULTIPLE ATTEMPTS TO TRY TO FIND OUT WHY THERE IS A {$3100.00} UNPAID FEES COLUMN ON MY CURRENT MORTGAGE STATEMENT WITH LOANCARE MORTGAGE, WHICH IS SERVICED BY XXXX  XXXX. 

I WAS DIRECTED TO WRITE AN E-MAIL TO LOANCARES RESEARCH DEPARTMENT ( SEE ATTACHED ) ASKING THEM TO PROVIDE THE REASON FOR THE CHARGE, OR TO PLEASE REMOVE IT. THEY STATE THAT THE CHARGE ORIGINATED WITH MY PREVIOUS MORTGAGE COMPANY AND THEY CAN NOT CONSIDER MY REQUEST TO REMOVE IT. 

THEY HAVE NEVER CHARGED A LATE FEE, OR TRIED TO FORCE PAYMENT ON THIS AMMOUNT IN YEARS. THEY JUST KEEP PROMISING ME TO PROVIDE AN EXPLAINATION. BUT, TO THIS DATE HAVE NOT BEEN ABLE TO. 

I AM RESPECTFULLY REQUESTING THE PROPER PROCEEDURE TO AFFECT THE PROOF OF SUCH CHARGES. I AM CURRENTLY TRYING TO REFINANCE, AND THIS UNKNOWN CHARGE IS HOLDING UP MY REFINANCE. 

MY LOANCARE ACCOUNT NUMBER IS STATED BELOW. 

THANK YOU SO MUCH FOR YPOUR HELP XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

All three credit report agency is reporting false things and its not me .Please removed things off my credit .My credit score is very low and I need this removed asap .These companies is putting information on my credit that's false.
Product: Debt collection

consumer portfolio services {$14000.00} company sued the other party on the contract i.e. XXXX XXXX in civil court in XXXX california in which they received a defult judgement. also company removed me from said lawsuit. company also sold the debt to a third party with my information without verbal or written consent. 

violation of the privacy act of 1974 No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains [ subject to 12 exceptions ]. 5 U.S.C. 552a ( b ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Ref : Bank of America Violated Regulation E and Wrongfully Reported Me to XXXX XXXX, Consumer ID XXXX To Whom It May Concern : The information reported by Bank of America XXXX XXXX XXXX is inaccurate and invalid. I, XXXX XXXX did not conduct the ATM check deposit in the amount of {$4900.00} in XXXX XXXX NY on XX/XX/2018. After the check was deposited, I immediately visited my local, Bank of America in XXXX MD. I explained to the BOA Branch Representative, I did not make this ATM deposit, I do not know who made the ATM Deposit and I requested to dispute the ATM deposit. Bank of America did not investigate or honor my request to dispute this item ; which is a violation of Regulation E. 

Based on following reasons below, this report to XXXX XXXX, from Bank of America should be removed and voided. 

I requested the ATM check deposit of {$4900.00} be ( Reg E ) disputed and investigated. Bank of America violated Regulation E by denying my dispute and proceeding with closing my account.

The deposit was conducted at an ATM in XXXX XXXX NY. Bank of America could have reviewed the recorded video information and verify I was not the individual who deposited the check. 

The deposit was conducted at an ATM in XXXX XXXX NY. Bank of America could have reviewed the endorsement on back of the check and compare it to my signature reflected on my New Account Signature Card.

Bank of America should provide documentation proving they honored my dispute and conducted an investigation in accordance Regulation E as I verbally requested in the BOA XXXX Branch. 

If, Bank of America adhered to Federal Regulation E, as federally mandated and conducted a proper investigation. Their investigation would have proven Im innocent and I did not conduct this ATM deposit transaction in XXXX XXXX NY. I will seeking legal counsel and will pursue a lawsuit against Bank of America for slander, defamation of character and violation of my federal rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. The credit bureaus must remove any item that was 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 XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$420.00} ; XXXX Balance : {$100.00} ; XXXX Balance : {$270.00} ; XXXX XXXX Balance : {$87.00} ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX
Product: Money transfer, virtual currency, or money service

On XXXXr XXXX,2020 my PNC account was hacked.I called the number on the back of my card, " XXXX '' told me he would be working with the XXXX Support ( hackers ) to protect my account. Together they told me to protect my money, {$9000.00} in 2 different credit cards, I needed to buy gift cards in that amount so the hackers couldn't get ahold of my money. They would then give the gift card info to PNC to replenish my account. 

I was under the impression the whole time that PNC and XXXX were working together to protect me. 

In retrospect it is clear to me that the hackers were able to intercede my call to PNC. 

The police came and filed a report. I went to PNC the next day and they said they knew nothing about this. I closed all my accounts and credit cards. 

I received a letter XXXX2020 they were unable to honor my claim.
Product: Mortgage

I hired a company last XX/XX/2016 to help and assist me with the mortgage modification process in order that it 's with in my monthly income requirements. The property and the home was WILL to me from my XXXX Mothers estate. The property deed and the mortgage did have my name on it since my income was required for my Mother to  refinance the mortgage. The company that I hired last XX/XX/2016 also informed me that there were issues with the mortgage documents saying it was XXXX, which I found out is against the laws in New York State to issue a XXXX loan. Unfortunately the modification that the company worked on for me with Ocwen Loan Servicing happened to be the worst modification that I have ever received in the 9 years of Ocwen. 2 law suits against Ocwen within the 9 years and no assistance They are absolutely the worst and with them reported managing over 104 million mortgages and having 9000 employees, that to me is a serious problem. <P/>In XX/XX/XXXX Ocwen threatened me with forclosure, threantened me with a phone call of a XXXX XXXX out of Texas stating that I need to contact him back about my home and property and that he worked for Ocwen Loan Servicing. Grant it I filled Chapter XXXX  bankruptacy protection not because of the mortgage because I needed to get reorganized. <P/>After once again doing research I find out again the CFPB is once again sueing Ocwen Loan Servicing. After skimming through some of the documents regarding the law suit its the same issues that I have been going through over the past 9 years with this organization. I do n't know if I would call Ocwen an organization or a business, there just plain CORRUPT. The law suit is in fact true and the CFPB needs to take control. <P/>Attached are all the related documents including a screen image of the voice mail that I received and is still available on my phone.
Product: Mortgage

I closed on my conventional loan 1 year ago this month. 2 weeks ago I was notified of a payment hike to my mortgage payment due to intentional escrow shortage by my mortgage company. <P/>I believe this is a case of mortgage fraud. <P/>I ca n't afford to make this payment now for the next couple of years while my escrow ( s ) try and catch up. <P/>Please help me right this wrong. I do n't want to lose my home. According to my title company ( and they proved this via email they recently sent me ) the accurate tax information was sent to the mortgage co.a month prior to my closing. Mortgage disregarded this information. The form they used a few days before I closed, clearly does not reflect school taxes plus both counties. Also, I paid my home owners insurance in full when I closed. This really makes my debt ratio way off now and since closing on this loan, I made other financial commitments therefore. <P/>Based on what I have seen with the documents I have, I believe they did this intentionally so that I could be approved. <P/>11 months have gone by with no one telling me I have an enormous escrow shortage! <P/>Let me know what other documents you need from me. <P/>Thank you
Product: Consumer Loan

I have been defrauded by Westlake Services , LLC. I have been with them for five years. 
When I went to get a 2nd car after paying off 1st car, I found out they never reported anything to credit agency 's. I have been fighting with them since then to report 1st car and now my 2nd car. They refuse citing absurd SSI problems " they cant talk about '' They are a predatory lender with uber complaints for same thing. I spent last 8 months trying to please them sending everything they requested over and over. I contacted credit agents and they said its clearly Westlake that is the problem! They have cost me thousands of dollars and lie about fixing credit to many people so you never get away from them it looks like to me.
Product: Mortgage

I formally requested that Ditech begin the process to remove the PMI from my mortgage in the beginning of XXXX 2015. XX/XX/XXXX I was contacted by a third party appraiser to schedule an appraisal and a few days later they informed me that my lender canceled the request. Since then, I have called Ditech around 8-10 times to follow up as to what exactly happened and each time the customer service acknowledges that there was some kind of issue which could not be explained but they were escalating my case to begin this process again. As of XXXX XXXX, I have not had any resolution and I have not been contacted by anyone to schedule an appraisal or by Ditech to continue this process of PMI removal. According to the standards of my mortgage, I satisfy all the requirements for PMI removal, yet Ditech seems to have done everything they can to prevent this from happening. At first it seemed negligent, but now it is clear that it is fraudulent. I have been paying PMI for 3 months longer ( and possibly more moving forward ) than I should have and I have adhered to their standards throughout this process. I have no resolution as of XXXX XXXX 2015 and after calling customer service today, I been told the same thing, that my case was moved to the escrow department and I should hear from someone in a day or so. But I never do.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  XXXX 's mandatory insurance dept 's ENDORSEMENT paperwork said to contact XXXX XXXX. We did and XXXX XXXX REPEATEDLY refused to come to the phone, per his assistant " XXXX ''. The cruelty of having to pay for XXXX XXXX at high rates and not having any claims rep caused endless suffering still today. 

Today, the hot water heater will be replaced for the XXXX time since superstorm XXXX. Per XXXX REQUIREMENTS, the hot water heater and it's housing should have been the first thing repaired and elevated. IT HAS NEVER HAPPENED AND INSTEAD WE ARE FORCED WITH TOTAL ECONOMIC LOSS BY CONSTANT REPAIRS AND REPLACEMENTS AND UNSAFE LIVING CONDITIONS. 

XXXX XXXX XXXX 'S CRUELTY HAS CAUSED XXXX XXXX XXXX TO HOMEOWNERS THAT IS NEVER ENDING.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried XXXX different methods to get unknown/unauthorized hard inquires off of my report by mail XX/XX/2022 and by phone XX/XX/2022. Their phone system is set up where they will not allow callers to speak with a representative to resolve this matter. 
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

It says I was late or bankrupt but I can't find any proof of that.You know those cases, XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX )? They make it pretty clear that this needs to be sorted. So, if you can't find any evidence, could you update it to " paid as agreed, never late '' or complete DELETE THE ITEM? 
un-authorized inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account : XXXX XXXX  Account : XXXX XXXX XXXX Account : XXXX XXXX Account : XXXX XXXX XXXX XXXX Account : XXXXXXXX XXXX Account : XXXXXXXX XXXX  Account : XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXXXXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX  XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports XXXX
Product: Debt collection

I am writing to report an incident of potential identity theft involving Midland Credit Management. As per the Fair Debt Collection Practices Act ( FDCPA ) section 1692g, I requested validation of an alleged debt from Midland Credit Management. Despite providing them with XXXX opportunities and a grace period of 60 days to comply, they failed to fulfill their legal obligation. 

On XX/XX/XXXX, I initially contacted Midland Credit Management to request validation of the alleged debt, pursuant to my rights under the FDCPA. Subsequently, on XX/XX/XXXX, I sent a follow-up request to ensure ample time for them to provide the required validation. 


However, instead of validating the alleged debt as mandated by law, Midland Credit Management merely verified my own information and the information of the original creditor. This incomplete response does not fulfill their obligation to validate the alleged debt. 

It is important to note that by failing to validate the alleged debt, Midland Credit Management is not only violating the FDCPA section 1692g but is also potentially in violation of other pertinent laws such as 15 U.S. Code 1681 q ( Fair Credit Reporting Act ) and 18 U.S. Code 1028A ( Identity Theft and Assumption Deterrence Act of 1998 ). 

I urge the CFPB to investigate this matter thoroughly and take appropriate action against Midland Credit Management for their failure to comply with federal consumer protection laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with XXXX, Equifax, and XXXX on XX/XX/XXXX, in regards to the incorrect items on my credit reports. I sent a Demand to Comply letter on XX/XX/XXXX after receiving no updates. It has been well over 30 days, and I have not received any investigation results.
Product: Checking or savings account

XX/XX/2023 I transferred the {$350.00} cash app to my bank which was PNCBank. This money was never accessible to my bank account. I contacted XXXX XXXX & PNC. I have never received my {$350.00}. I have screenshot every transaction in my XXXX XXXX. My bank statements never showed the {$350.00}. But on my phone it shows on XXXX XXXX it was deposited. I tried to get my money for a whole year. I never got my money from XXXX or PNC Bank. Can yall please help me. I have never had this problem ever.
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against them if they do not validate these accounts. Please follow the law so that this situation can be settled quickly. I need the following accounts to be fixed from my file right away XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my XXXXedit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my credit report : WORLD FINANCE XXXX Balance {$480.00}
Product: Credit reporting or other personal consumer reports

I have disputed these accounts several times, even years, with no response. When I request debt validation they never respond with the information I request. They are in violation of the FCRA. I have included all the disputes that I have made to them, and despite this they ignore me, how is it possible that they treat me like this, the truth is I am tired of fighting and I feel Vulnerated ... What an injustice. That's why I need you to help me.

For the accounts, I requested a detailed Validation and certification test where you verify that Copies of all disclosures provided regarding the sharing of my non-public personal information with third parties, as provided in 15 U.S.C. 6802 ( b ). 
A copy of the records used to verify the cancellation of my accounts.

An update on the status of the disputed cancellation, reflecting any corrections made based on my dispute. But such were not provided or answered as legally required by law for my consumer rights.

I have not given you written permission to put anything on my credit profile 15 USC 1681b2.
Product: Credit card

I notified barclays ( Re : Acct # XXXX ) that this account is the result of identity theft on my credit file and that I was not the person who applied for, or opened the account and that it must be removed. Not only did I not receive any response, but it is still on my credit file and they will not take it off. I did send them the affidavit as well as the police report along with my letter. I require further investigation into this account and I also requested a handwriting analysis as well as an affidavit from them swearing that i was the person who opened said account, which I did not. In addition to this, pursuant to section FCRA 603 ( o ) ( 5 ) ( A ) ( i ; iii ), I did not give authorization for this account to report on my credit file, so either way, this needs to be removed immediately.
Product: Debt collection

After attempting to fix this problem with the collection agency by sending in documentations for the fraudulent account that was open in my name which I had until XXXX XXXX dispute all or some which I disputed all of the account because of change of identity in my account ( under XXXX  ) it was done without permission.In the letter Spring Oaks Capital stated I had until XXXX XXXX to dispute this account which I did on XXXX XXXXIn the letter in also stated what else you can do, but it did state I could file a complaint with the FDCAP, it states I have the right to stop or limit how we contact you.Spring Oaks Capital put this account on my credit report after sending all the documentations of the incident and what occurred.If I disputed this amount why was this put on my credit report, which it should not be at all.Whoever is the attorney in fact should be held liable for this act.I never have had any attorney in fact so why did the attorney in fact put my name on any papers that does not constitute in representing me on any matter.Who is the attorney in fact who put my name on those documents? I been fighting for my identity for 22 years with the first FTC report of XXXX of XXXX reference number XXXX.I should have never been given my daughters SSN in number by the Internal Revenue Service and all other agents and other government agencies.On this day XXXX XXXX, first of occurrence of identity change was XXXX XXXXThe documents that I receive from XXXX does not have my signature or name on any of those documents this had to be in inside job at the Bank where I do business with.All disputes was filed within the time frame of XXXX first with Spring Oaks .On this day of XXXX XXXX