23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

I took out a title loan on my car. As of XXXX/XXXX/2016 it was paid off ( I had a {$0.00} balance ) but during the course of the loan the car had been repossessed for 'nonpayment ', but it was in error and they agreed to waive the reposession expense. I asked for my title once the loan had been paid off, but they claimed I still owed this repossession expense that they had agreed to waive. So I filed a complaint with that company and NOW they claim I owe over {$1000.00} past due and they have changed teh 'repossession expense ' from over {$500.00} to {$160.00}. I do n't know what they are trying to pull but I do not owe them this money. I have a letter dated XXXX where they claim I only only them {$0.00}.
Product: Money transfer, virtual currency, or money service

In retribution to a complaint filed with the CFPB and XXXX related to one of my business accounts, today, with no change/activity in account status Paypal has closed my XXXX XXXX  account. This account has been limited previously, most recently when my other XXXX account was limited. I have always complied with Paypal 's requests, provided valid information, and paid a significant amount of money in fees to this horrible company. 

Today I received an email that stated that Paypal has decided to close my account without warning and their standard " terms of use ''. This is a clear move to punish me based on my other complaint and should be handled as such. 

They have now made it impossible to transact on multiple other services due to their unilateral bad faith and retribution.
Product: Credit reporting or other personal consumer reports

I've recently looked at my credit report with XXXX XXXX and equifax and noticed they are reporting several incorrect incorrect inconsistent information on all XXXX bureaus with XXXX XXXX acount # XXXX I've disputed this account more than XXXX times in the last XXXX years and they keep violating my federally protected rights.the XXXX  violation is XXXX  is reporting a high balance of {$2900.00} XXXX  is reporting {$0.00} and equifax is reporting {$0.00} high balance that is violation of 15usc1681s-2 the next violation is they are reporting incorrect date of last activity and violating 15usc1681e ( b ) XXXX  is reporting XX/XX/XXXX XXXX  is reporting XX/XX/XXXX and equifax is reporting XX/XX/XXXX as date of last activity.the next violation is open date XXXX  is reporting XX/XX/XXXX XXXX  is reporting XX/XX/XXXX and equifax is XXXX XXXX the open dates the next inconsistency is close date XXXX  is reporting XX/XX/XXXX XXXX  is reporting no date and equifax is reporting no date as the close date.the next violation is past due amount XXXX is reporting {$1400.00} XXXX  is reporting {$1400.00} as the past due and equifax is reporting {$0.00} as the psat due amount.the last inconsistent information is the payment history transunion has none reporting XXXX  is reporting repeatedly charge off and equifax has no payment history reporting according to fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.delete XXXX XXXX  acount # XXXX transunion equifax and XXXX  credit reports immediately and pay me {$1000.00} per each violation.
Product: Checking or savings account

I was told I am in check systems with Bank of America for a fraudulent check that I did not even put into my account and they said I would've had to give the individual the pin number to put the check into my account. Therefore, I am not able to open an account anywhere. I I don't know the time limit, but I'm a business owner and I have to use prepay cards for my business because I'm not able to open a checking account anywhere and I would like this problem resolved
Product: Debt collection

In response to CFPB complaint number # XXXX - XXXX my name is XXXX XXXX XXXX a Federally protected consumer, and I am making this complaint against XXXX XXXX - XXXX for violating a cease desist notice they received on XX/XX/XXXX and for continuing to invade my individual privacy by committing abusive, deceptive, and unfair debt collection practices. I have attached a debt validation letter, a cease and desist notice. 
Exhibit A. which is a copy on my, XXXX consumer reports, Exhibit B. which is copy of their response to CFPB complaint # XXXX - XXXX and a pdf of an FTC report that will be labeled as Exhibit C when filing for litigation in Federal Court to this complaint, XXXX XXXX XXXX attached documentation of statements from the originator, A full payment and purchase history provided by the originator has been attached to this response. But I never contracted with them and they have no reason to have my identifying information. Also pursuant 15 USC 1692g ( c. ), I have not validated any alleged debt with XXXX XXXX XXXX and my failure to dispute the validated any of these alleged debts shall not be construed as an admission of liability, XXXX XXXX XXXX stated that A full pay and purchase history provided by the Originator XXXX XXXX and XXXX XXXX XXXX placed a trade line on my XXXX consumer report have been attached to this response. As of XX/XX/XXXX, I have not received any documentary evidence, such as a trilateral contract, giving XXXX XXXX XXXX any right to collect on this alleged debt. Its my belief that XXXX XXXX XXXX are attempting unlawful extortionate activities and theft by deception by attempting to furnish false and deceptive forms. XXXX XXXX XXXX stated The originator received the last payment on XX/XX/XXXX I never received any documentation requesting validation of from XXXX XXXX XXXX, before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report. If XXXX XXXX XXXX can not provide me with proof such as tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it to my consumer report, this has been fraudulently furnished account with forethought and malice as a attempt to bring harm to me and my financial reputation. 
Account XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or removed. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXXXXXX Balance : {$23000.00} XXXX XXXX XXXXXXXX Balance : {$630.00} XXXX XXXX XXXX XXXXXXXX Balance : {$62.00} XXXX XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXXXXXX Balance : {$630.00} XXXX XX/XX/2023
Product: Mortgage

Loancare XXXX XXXX XXXX XXXX switched to a new online system or portal. 

Their new system will not let me add my bank account as a payment method and keeps saying " enter a valid routing number '' The routing number is for XXXX XXXX  and is XXXX I attempted to add my secondary bank account ( from a different financial institution ) and it allows me to add it with XXXX errors. 

The bank account is not new and I have been making mortgage payments with the bank account for several years. 

Additionally, when I call to have an agent assist me with making the payment, they are able to process the payment manually.
Product: Checking or savings account

In XX/XX/year> I attempted to open a XXXX IRA with Merrill Lynch/Bank of America who I have several other trading accounts with. I was unemployed at the time. The bank asked me to confirm pre-populate information that had employer, annual income, and similar fields. I updated that I wasnt employed and also updated my income to the amount of employment income I expected to have for the year. If I wouldve just clicked yes to all the pre-populated and nolonger correct information, Merrill Lynch most likely would have just approved my account instantly. Instead in punishment for my being truthful they had an analyst single me out and treat me unfairly sticking their nose up my rear by asking how it could be that I would be single and have income but not be employed. I told Merrill Lynch objected to this indiscriminate fishing expedition. I told them instead they should have someone with enough analytical skills assess how what I stated could be true, then if need be update their questions for everyone rather than singling me out. They ignored me. I eventually reached out to Merrill Lynch management. As a retaliation for doing that, they sent me a letter stating that since I wouldnt cooperate with their fishing expedition regarding my new account, that they were going to close down my ability to trade on my other accounts. They subsequently ignored any requests for a 90 day period of time before they do so and as of XX/XX/XXXX theyve frozen all my trading on my accounts where I have active assets. Even while they are not allowing me to perform the functions of an independent trader, they are not assuming anything fiduciary responsibilities with regards to my assets that they are in affect deciding that I not be allowed to liquidate. 

I think it's wrong that this bank with its sordid history that includes providing without compulsion the date of anyone who rented a hotel in Virginia XX/XX/XXXX ( including people 6 hours away in coal country for work ) now demands information that XXXX, XXXX, and XXXX XXXX do not demand ; then singles people out for more inquiries for no good reason ; and finally makes defacto profit and loss decisions for investors while using no fiduciary judgement when it freezes accounts for no legitimate cause other than retaliation.
Product: Mortgage

THIS IS NOT A DUPLICATE COMPLAINT This is a new complaint written on XX/XX/2017 addressing Ocwen Loan Servicing 's illegal attempt to sell my home scheduled for XX/XX/2017. 

For the fourth time, Ocwen Loan Servicing is attempting to illegally sell MY home. I have had to file previous complaints to address the previous three illegal sale attempts of this entity. Once again, Ocwen Loan Servicing is in gross and blatant violation of CFPB regulations, federal and state law, and a consent judgment governing their behavior. What is it going to take to stop the illegal behavior of this entity? 

We have been struggling to have our mortgage modified with Ocwen Loan Servicing for a number of years now. We have always qualified easily for a modification, but this company has done everything they can do to avoid modifying the mortgage. They have instead continually attempted to foreclose on us illegally, in clear violation of CFPB regulations. Because of a consent judgment against Ocwen Loan Servicing, this company is required to follow a very specific modification process and they are required to modify the mortgage. Ocwen Loan Servicing is completely out of control and we desperately need protection against their endless unlawful attacks. It is likely that the activities of this company are negatively affecting many Americans. 

Specifically, through their haphazard implementation of a fictitious modification process, Ocwen has continually disregarded numerous provisions of the Home Affordable Modification Program ( HAMP ) enacted under the Troubled Asset Relief Program ( TARP provision of the Emergency Economic Stabilization Act of 2008, Pub.L. No. 110- 343 ; 122 Stat. 3765 ; 12 U.S. C. 5201, 5211-5241 ; 5219 ( a ) ), Regulation X, 12 C.F.R. 1024.41 ( g ) and ( j ), Regulation X 1024.35 ( b ) ( 10 ) and other laws over and over again. 

In addition to the modification problems, they have also been dual-tracking me by continually attempting to foreclose on me while I have been in the active modification process the whole time. We clearly and easily qualify for a modification, and these people know that. Blatantly attempting to foreclose on and steal the home of someone who clearly qualifies for a mandatory modification is a grossly criminal act. This complaint should be referred to the appropriate authorities for criminal prosecution.
Product: Debt collection

There is no outstanding debt. I have court orders that show that I am current on my account!! In fact, XXXX owes me money ( I have credit on my account ). 

See attached files. 

REMOVE NEGATIVE REMARK FROM CREDIT REPORT COMPLETELY. 
SEND ME NEW CREDIT REPORT ASAP ONCE REMOVED.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, My personal and financial information was compromised without my authorization. The Family Educational Rights and Privacy Act ( FERPA ), [ 20 U.S.C. 1232g ; 34 CFR Part 99 ], protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information.

Under FERPA, educational institutions and agencies are required to prevent unauthorized disclosure of personally identifiable information from student records without the students consent, except in limited circumstances. This includes financial aid data, contact information, and academic records.

Given the severity of this breach and the resulting compromise of my personal and financial information, I am invoking my rights under FERPA and relevant privacy protection laws. As such, I am requesting that you : 1. Immediately cancel and discharge my student loan debt in full.

2. Provide me with a written acknowledgment of the privacy violation and your remediation plan.

3. Ensure that any additional records containing my information are safeguarded or deleted, as required under federal privacy protection standards. 

Additionally, I reference my protections under the Privacy Act of 1974 [ 5 U.S.C. 552a ], which governs federal agency handling of personal information, and the Higher Education Act of 1965 [ 20 U.S.C. 1092 ], which holds agencies accountable for improper use or exposure of student data.

Failure to comply with this request may result in further legal action and reporting to the Department of Education and the Office of Civil Rights. I trust that you will prioritize resolving this matter promptly and in accordance with applicable regulations.

Please confirm receipt of this request and provide a timeline for resolution.
Product: Debt collection

This letter is in response to your recent claim regarding a closed account # XXXX, which you claim I owe {$5700.00}. 
Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 
Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested.
Product: Credit reporting or other personal consumer reports

Please help me! I noticed iquiries on my report that aren't mine. This is hurting me and my family. Please remove them from my credit report.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX account # XXXX and XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights 15 U.S.C 1618 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 reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # 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 reporting or other personal consumer reports

Today, while reviewing my credit report, I noticed unauthorized inquiries that I didnt recognize. Im unsure why this happened since these discrepancies were not present before. Thinking it might be an error, I refreshed my browser, but the inquiries were still there. This has caused me significant frustration, and I demand a prompt review of the documents I sent to resolve this issue permanently.
Product: Consumer Loan

I leased a VW Passat from the VW XXXX, MA Dealership and returned it at lease end last summer ( 2016 ). I got an invoice from VW Credit charging me {$170.00} for an alleged scratch in the passenger door. The VW General Sales Manager validated that there was not a scratch in the alleged location specified by VW Credit when I returned the car in so I took a photo of the location in the car with him holding his business card in case of any issues. Soon after I got a bill and immediately called VW and explained the issue. I spoke to a man that identified himself as XXXX from VW Collections department saying that he received my note in the bill and that he did n't received any picture with the evidence I mentioned. Thus, he requested I get the VW Dealership in XXXX where I returned the Passat to fax him a letter directly at XXXX stating that there was n't any scratch in the alleged location. I requested this from the General Sales Manager so they faxed a letter stating that, and to contact them if there were further questions. I continued to receive letters from VW Credit billing me for the scratch my leased vehicle did n't ' have! I called VW Collections and spoke to another gentleman and explained the situation. He said they never received anything. I went back to the dealership and asked to please fax the letter again. They pulled it from my customer folder and faxed them in front of my eyes and got a sent confirmation from the fax machine. Again, the letters from VW Collections with the scratch amount included continue to harass me. I mailed the same letter to VW to the addresses below as well : XXXX XXXX XXXX, IL XXXX XXXX, IL XXXX I am acting in good faith and going the extra mile to straighten out my account with VW Credit but nothing seems to work. I only want them to credit the {$170.00} because it is incorrect. I am exhausted from trying to provide them with what they need to credit my account but nothing seems to work.
Product: Credit card or prepaid card

INSURANCE ON THE ACCT WAS MNOT ACTIVATED INSURANCE WOULD PAY THEW ACCT IN FULL
Product: Debt collection

Dear credit bureau, I recently reviewed my credit report and notice the following errors that are negatively affecting my good character and reputation. 

US DEPT OF ED XXXX Please delete this account from my credit report because it is reporting inaccurately in multiple categories. Which is a violation of my consumer right and the fair credit reporting act. 
- open dates - Last reported date - Last active - Latest payment ; Please update me with a new report once the investigation. Thank you for your time and consideration.
Product: Checking or savings account

On XX/XX/2023 I spoke with JP Morgan Chase about possibly opening a business account to get a loan they advised to first attempt to get a loan when I was speaking to the business loan advisor she explained I would most likely not get the loan I wanted so i told her to not worry about the loan I do not want to attempt it and I also do not want to open a business account. Later that day I checked my credit report and it was in fact hit with a hard inquiry and i received no information about this loan or business account. I called JP Morgan Chase and spoke to their business account department and they said that their is no application or account showing in my name. They then said I should report it to the credit bureau agencies to have it removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE DISPUTED WITH 3 BUREAUS OVER MY CREDIT INQUIRES THESE ARE THE ONES AS FOLLOWS XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX. I DO NOT RECOGNIZE THESE INQUIRES AND 3 BUREAUS STATES THEY VERIFIED THESE INQUIRIES AND I KNOW THEY DIDN'T BECAUSE THE NUMBERS THAT ARE ASSOCIATED WITH THESE INQUIRIES ARE KNOW LONGER IN SERVICES AND THEY WILL NOT SEND VALIDATION LETTERS FOR THESE INQUIRIES.
Product: Checking or savings account

I am a Capital One 360 customer and have been for over 10 years. I get my deposits two days before the actual date of deposit and when payday falls on a holiday. I did not get my deposit yesterday ( as I should have ). I did not get it today either. I can not get anyone to answer the helpline, the company has provided, to get any information as to when it will be deposited. I have withdrawals coming out soon and dont want the withdrawals to balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE DISPUTED ACCOUNTS LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS DONE BY ME. I HAVE NO KNOWLEDGE OF THOSE DEROGATORY ACCOUNTS ON MY FILE AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS OFF MY CREDIT FILE FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY NAME AND CREDIT HISTORY.
Product: Money transfer, virtual currency, or money service

XXXX I remember like it was yesterday cause who can forget losing money. I was sending money to my mom and clicked the wrong person and it went down hill from there
Product: Credit reporting or other personal consumer reports

CREDIT BUREAU : EXPERIAN FRAUDULENT ACCOUNTS THAT ARE REPORTING ON CONSUMER REPORT : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. ACCOUNTS DO NOT BEAR A WET INK SIGNATURE. DO NOT INFORM THE CONSUMER TO CALL IN AND DISPUTE BECAUSE EXPERIAN DOES NOT ANSWER THE PHONE AND THERE HAS BEEN AN EXTENSIVE AMOUNT OF EVIDENCE TO SUPPORT CONSUMER 'S CLAIM. YOU HAVE ALL THE ACCOUNTS AND ALL DOCUMENTATION TO PROVE CONSUMER RIGHTS AND IDENTITY HAS BEEN VIOLATED. CONSUMER HAS MAILED NUMEROUS AMOUNTS OF DOCUMENTATION TO PROVE THAT ALL ACCOUNTS ARE FRAUDULENT, AND EXPERIAN WILL NOT ABIDE BY THE LAW AND REMOVE FRAUDULENT ACCOUNTS. EXPERIAN HAS IGNORE A 1099 C ( CANCELLATION OF DEBT ) STRAIGHT FROM THE COMPANY ITSELF AND THEY REFUSE TO REMOVE THIS ACCOUNT. IT IS FRAUDULENT. EXPERIAN IGNORES FTC REPORT WHICH IS A VIOLATION OF CONSUMER RIGHTS AS TO NO ACCOUNTS SHALL BE ON A CONSUMER REPORT AND A CONSUMER SHALL HAVE THE RIGHT TO PRIVACY. EXPERIAN IS OBLIGATED BY THE FCRA TO REPORT ACCURATE ACCOUNTING CONSUMER HAS ADVISED ALL INQUIRIES REPORTED WAS FRAUD.COMPANY HAD 4 DAYS ACCORDING TO THE LAW TO REMOVE SUCH ITEMS. DO NOT " VERIFY '' FRAUDULENT ACCOUNTS THAT DO NOT BEAR WET INK SIGNATURE THE " E-OSCAR SYSTEM ''. XXXX AND XXXX XXXX HAVE BOTH REMOVE FRAUDULENT ACCOUNTS FROM CONSUMER REPORT. EXPERIAN HAS MADE SEVERAL VIOLATIONS AGAINST THE CONSUMER. FTC FRAUD REPORT WAS FILED ON BEHALF OF THE CONSUMER, CONSUMER IS NOW REQUESTING EXPERIAN TO PROVIDE THE DOCUMENTATION USED TO DETERMINE INQUIRY AND OR ACCOUNT WAS INDEED AUTHORIZED BY THE CONSUMER. EXPERIAN HAS 15 DAYS TO PROVIDE ME WITH THE NAME OF THE PERSON ( XXXX ) SPOKEN TO, DOCUMENTATION USED, SIGNED APPLICATION WITH CONSUMER WET INK SIGNATURE. CONSUMER IS NOT ASKING FOR E-OSCAR REPORT. BOTH XXXX XXXX AND XXXX HAVE REMOVED ALL FRAUDULENT ACCOUNTS FROM CONSUMER REPORT. POLICE REPORT HAS BEEN MAILED CERTIFIED MAIL STATING FRAUDULENT ACCOUNTS ARE NOT CONSUMERS. IF EXPERIAN DOES NOT HAVE DOCUMENTATION TO SHOW THESE WERE IN FACT AUTHORIZED IT MUST BE REMOVED ASAP. SAID COMPANY IS LIABLE UNDER THE SEC TO FOLLOW CERTAIN RULES. EXPERIAN FILE NUMBER XXXX. EXPERIAN IS DOING BUSINESS AS ANOTHER NAME WHICH IS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX entered into a registration rights agreement with Experian Information Solutions , Inc. Experian is a member of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), which in turn is a stockholder of XXXX XXXX XXXX XXXX the XXXX XXXX XXXX that owns the shares of. I WILL BE FILING FORM 211 TREASURY OMB FORMS TO AUDIT CONSUMERS ACCOUNT. EXPERIAN IS SECURITIZING CONSUMERS DATA YET REFUSE TO PROVIDE CONSUMER A COPY OF THEIR CONSUMER FILE NOT CONSUMER REPORT.