23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

In XXXX XXXX a loan officier from 5/3 bank came to our business and stated the bank was defaulting our loans because we were in arears on the property taxes of the building they financed. After a great deal of discussion we agreed to close our 17 year family business and sell off all assests including the commerical blg and forward all proceeds to 5/3 bank to pay against the balance of our XXXX loans approximately {$300000.00}. For our cooperation 5/3 said they would assist us securing an OIC from the XXXX which would if accepted remove all liens from our personal property and nullify the personal guarantees. We worked with XXXX XXXX and by XXXX or XXXX the business was closed, all assets sold and monies turned over to the bank. XXXX then immediately proceeded to draw the documents to present to the XXXX. We submitted ALL required docs including personal finance and tax info. The XXXX responded on XXXX occassions simply commenting that their paperwork was not completed correctly and again working with XXXX we made the corrections and resubmitted. Now comes XXXX XXXX and communication from the bank stops completely. We can not find anyone who will assist us and find out what is going on. Forward to XXXX XXXX we are assigned a new loan officier finding out XXXX had left the bank. The new officier is XXXX XXXX. She has none nothing but delay the closure of these issues. We had to resubmit paperwork, personal financials and tax info over and over simply because of inaction on the part of 5/3. 

Bottom line wehave fulfilled every single request set forth by 5/3 with devastating consequences to our personal situation. At XXXX and XXXX years old this entire process has caused us great emotional distress. It needs to come to closure, 5/3 needs to step up and meet its end of the baragain and get the OIC signed, sealed and delivered.
Product: Credit reporting or other personal consumer reports

I'm putting down to give my XXXX concerning the tried accounts on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably alluded to that they be totally penniless down. Notwithstanding what my undertakings, I in the long run can't get any objective or steady turn of events. These off track records are truly hurting my credit document and obstructing my ability to happen with a standard life. The obnoxious aftereffects of these mistakes have caused tremendous hardships for me, and I'm left with no choice close to rapidly fight for your assistance with reviewing what's happening. I liberally request that you direct a vigilant assessment concerning the fundamental of these tried records. It is basic that the main pushes are taken to reestablish and alter my credit report right away. With your help, I really want to restore the exactness and dependability of my credit record so I could recover control over my money related accomplishment. I really request that you present this matter your for the most part ludicrous suggestion and take a fast action. Your assistance and moving in settling this issue quickly would be astoundingly basic. Much appreciation to you without skipping a beat for your understanding and help.
Product: Credit reporting or other personal consumer reports

Account that are old and no longer active. Accounts that have been discharged and sold to a third party.
Product: Credit reporting or other personal consumer reports

I am a consumer as defined under 15 USC 1602 ( i ). Upon reviewing my credit report, I noticed EXETER FINANCE LLC furnished the following information to my consumer report and it is invading my right to privacy. 
EXETER FINANCE LLC-Date Open : XXXX Account number XXXX Amount : {$4800.00} I DO NOT AND DID NOT consent to the furnishing of this information. I am aware that I have the right to privacy of my non-public personal information per 15 U.S. Code 6802 and I am exercising that right and demanding that the furnishing of this information be removed from my consumer report and not be reported by your company to neither CRA 's ( XXXX, XXXX, XXXX ). 

EXETER FINANCE LLC did not disclose to me my right to opt out of the disclosure of my nonpublic information. I was not given the opportunity to opt out of the disclosure of my nonpublic information and I wasn't given any directions on how to exercise my right to opt out of said disclosure of non-public information per 15 U.S. Code subsection 6802 ( b ) ( a ) ( A ) ( B ) ( C ). EXETER FINANCE LLC violates 15 U.S. Code 6802 ( b ) ( a ) ( A ) ( B ) ( C ) for failure to comply with these requirements.

This is a notice to CEASE and DESIST all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my data by EXETER FINANCE LLC for the account opened on XX/XX/2022 With Prejudice By : XXXX  : XXXX All Natural Inalienable rights reserved
Product: Mortgage

I stopped making payments on my mortgage due to the XXXX  situation, i was at the hospital for several months and i was unable to make money, all my bills were accumulating and i had to spend my savings to pay them, however my savings were not enough, not that i have my income stables i have tried several times to apply with my lender to an option to keep my home but they are not cooperating because i always get denied, its okay if they can not provide a MOD, but they do not qualify me for any other option more than to sale the property, this is my wife and my home, i do not have family and nowhere to go, now they have set a sale date on XX/XX/year> while i have an open application. I do not know what to do already because i even am working more to get my income increased and not even with that looks enough. If i do not get any solution i will have to go to the channels to share my experience because Midland Mortgage is not helping the clients eventhough of the XXXX XXXX  Situation, i really need help, please CFBP, help me to stop the sale date and to get a MOD, Partial claim or loan deferral, thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

NEW CENTURY FINANCIAL has been garnishing wages from my check with the name listed as XXXX XXXX XXXX that is not my name nor have I ever done business with that company. I was a child the debt comes from 1999. It shouldn't legally even be listed beyond 7 years if it was. Its ruining my quality of life garnishing my wages for debt I didn't create. I already filed a police report which I will put in the document section from someone using my name in ohio I never lived there either. I would appreciate if the information would be removed, I paid to have my credit cleared last year with police reports that was cleared and proven not to be me. The money taken and amounts is included in my documents in this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2400.00}, {$0.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXXXXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2400.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2.00} -This is not my account. 

3. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Debt collection

After already paying off the debt through XXXX XXXX over a year and half ago it was removed from my credit immediately and now we went to check my credit again today and it popped back up on there in the amount of {$1400.00} and when I reached out to XXXX XXXX XXXX  they can not provide me with any information of phone calls, written notice, any account info. I provided that they give me all my info before going any further, spoke with my bank and they also do not understand why it popped back up on my credit when it has been paid for and already taken off my credit report once before. I am furious because this dropped my credit score of 43 points for no reason, they have no sent me any notice to dispute, no phone calls, no mailed forms etc. they have no info stored in their system that I owe this. Its very frustrating due to the fact I was suppose to be getting my loan for my house today and this stopped me because they have falsified information and have no proof of the debt still being owed. It was paid for once in the amount of {$840.00} and taken off my credit and now they jacked it up to {$1400.00} and no explanation of why or how it happened. Theyre clueless and if this isnt taken care of Im reporting to the XXXX and getting a attorney involved. 

XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am a victim of identity theft and did not make these charges. The items that need to be removed from my report are listed in my supporting documents. I do not know these companies. I have never done any business with this companies. These companies does not have a contract with my signature. I am a victim of identity thief and these are all the unauthorized items on my report once I noticed I got attacked in this horrible way. I am now requesting for the 4-5th time to get these items removed because its messing up my creditability and future relationships with creditors. I filed a police report that I sent to you, the other 2 credit bureaus and each creditor in the last 2 weeks. Please update me with the new credit report once my profile is update. Thank you!!!
Product: Checking or savings account

This involves two checking accounts custodied at Wells Fargo Bank. My wife and I were the account holders on both accounts. 
I received a call from someone who purported to be from Wells Fargo fraud department. 
This person turned out to be a fraudster. The fraudster asked me to transfer funds from our Wells Fargo personal checking account to our Wells Fargo business checking account using XXXX. The personal checking account was attached to my XXXX profile ( my email address and phone ) and the business checking account was attached to my wife 's XXXX profile ( my wife 's email address and phone ). I complied because it just appeared to be a transfer from one of our accounts to the other. 
The funds did not go to the second account but to an outside account at XXXX XXXX because the fraudster and in someway hijacked - that is broken through the security and rerouted- the XXXX profile. I did not give the fraudster and usernames or passwords. The breaching of the XXXX profile apparently was set-up ahead of time. 
I also transferred some funds in the other direction - from the business acccount to the personal account. They were also intercepted. The amount of the loss was XXXX XXXX XXXX dollars. 
Within an hours time I realized something had happend I contacted Wells Fargo fraud department. The agent reviewed the transactions and filed a fraud claim. After two weeks " investigation '' Wells Fargo denied the claim. I appealed the claim and the appeal was denied. The only informaton that I received about the whole investigation was that " the appeal was denied because you made the transfer ''. As you may know, XXXX accounts are setup exclusively through banks or other institutions. My XXXX account was created on Wells Fargos website and I had no relationship or contact with XXXX that was not through Wells Fargo. The security breach that allowed the highjacking of the XXXX transfer was 100 % thte fault of Wells Fargo and XXXX. 
Futhermore, these were supposed to be federally insured accounts.
Product: Checking or savings account

Synchrony Bank. On XX/XX/2022, I decided to close my account since Synchrony Bank 's website wasn't working properly. I was told it would take 4 business days to close the account and 2 additional business days for the money to be moved into my account at another bank that was previously set up for external transfers. After waiting that period of time NOTHING HAD BEEN DONE. I tried to initiate a transfer at that point because I NEEDED ACCESS TO MY MONEY but it was cancelled by Synchrony. They will not communicate with you by email, you have to call and sit on hold until they get around to answering ( I held for over 45 minutes at one point, and hung up because I couldn't wait any longer ). It is now XX/XX/2022 and they have transferred approx {$500.00} - less than 10 % of my original balance but I am still waiting for them to transfer the remaining {$7000.00} OF MY MONEY. UNACCEPTABLE.
Product: Credit reporting or other personal consumer reports

I opened a personal loan account for airline ticket purchase in XX/XX/2023. XXXX company is the lender. My payments were accurate and always on time. From XX/XX/2023 company blocked my online access, hindering me to pay off my balance. I called them for maikng phone payment, was denied assistance. They escalated my account to collection in retaliation due to my complaint-demands to fix my account online portal system glitches and/or accept my payment over the phone. I was denied communications, never got callbacks or replies to my emails. This lender committed serious banking laws violations, banking discrimination and predatory lending. Attached is a proof of what problems I faced and continue to face up to date. My credit score was crushed fraudulently. I need your help to enforce the laws and intervent in this problem. The XXXX company has lengthy history of violations and bad reviews by similarly victimized customers. Review the XXXX Website and online platform, to better understand teh magnitude of their violations. This Lender must be investigated and audited.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have consistently disputed the inaccurate information on my credit file about XXXX XXXXXXXX XXXX  this account in reporting open, past due amount of XXXX derogatory status which is inaccurate reporting on my account the receipt of proof that this account was paid off is attached and MUST BE REMOVED FOR INACCURATE REPORTING IN VIOLATION OF MY CONSUMER RIGHTS. THE FAILURE TO CONTINUE TO REPORT THIS ACCOUNT BASED ON THE NUMEROUS TIMES DISPUTED IS NOW RESULTING IN A LAWSUIT FILING.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX XXXX XXXX regarding a matter related to the Fair Credit Reporting Act ( FCRA ). I am a federally protected consumer, and I am exercising my rights under 15 USC 6802 by opting out of any and all authorizations, be they written, unwritten, verbal, or non-verbal, that I may have provided to XXXX XXXX XXXX. 

Despite my efforts to address this matter directly with XXXX XXXX XXXX, I have not received a satisfactory resolution. I am seeking the assistance of the Consumer Financial Protection Bureau to ensure that my rights under the FCRA are respected. 

Enclosed with this letter is my original correspondence to XXXX XXXX XXXX, dated XX/XX/23, in which I formally requested the cessation of any authorization-related activities and compliance with 15 USC 6802 XXXX I have yet to receive confirmation or any indication that my request has been processed. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure XXXX XXXX XXXX complies with the FCRA. I believe that a third-party intervention is necessary to resolve this issue. 

If additional information is required from me to facilitate this investigation, please do not hesitate to contact me at the provided contact information. I appreciate your attention to this matter and look forward to a prompt resolution.
Product: Credit card

Citibank is reporting inaccurate and outright false information to the credit reporting agencies. In XXXX 2015 Citibank started reporting a new account number, ****************, on my credit report. I disputed the account with the credit reporting agencies and Citibank verified it with the credit bureaus as being mine. I then initiated a direct dispute under FCRA 623 ( a ) ( 8 ) ( D ) with Citibank telling it that that account has never been issued to me and asking it to investigate the suspicious account since it has confirmed with the credit bureaus that it was mine. This was beginning of XXXX 2015. On XXXX XXXX, 2015, Citibank sent me a letter ignoring my request to investigate account XXXX and telling me that " we received your request to update credit information on your credit bureau report '' In the same letter Citibank continues saying : " Our records indicate that the information appearing on your credit report is correct. If you wish to add a brief statement of explanation to your file, you may contact the consumer reporting agencies to whom we report your account information. This will become part of your credit record, which they retain. " ( letter attached ) To me, after reading the statement above, it felt like Citibank was trying to mock and embarrass me. 
How can a negative account that 's never been issued to me become part of my credit record? 
On the same XXXX XXXX, 2015 I overnighted Citibank my response telling it that I stand by my FCRA 623 ( a ) ( 8 ) ( D ) request in regard to account XXXX and that I was expecting completion of the investigation within the time frame specified by law. In that letter I again asked Citibank to provide proof that XXXX XXXX : XXXX was issued to me in a form of an account statement bearing the said account number with my name and address. In that letter I informed Citibank that if by XXXX XXXX, 2015 I do not receive proof that account XXXX was actually mine, I will escalate the issue with the competent authorities. ( letter attached ) I honestly do n't understand why Citibank has decided to insert that account number on my credit file and is stubbornly insisting that it 's my credit card account number with Citibank.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX never late XXXX XXXX XXXX XXXX XXXX never late XXXX XXXX XXXX XXXX XXXX never late XXXX XXXX XXXX XXXX XXXX never late XXXX   XXXX not mine XXXX XXXX  XXXX never late XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine PUBLIC RECORDS US BANKRUPTCY XXXX CHPT XXXX XXXX
Product: Credit card

purchase was made after sombody hacked my computer got all my information including my online paypal account took over my email addresses my phone no without me knowing abought it and also a bank account they used it to try make payments on the credit card in disput thats what there useing to keep from crediting the account i clossed information they gave me was verbally they didnt seen me anything. they had taken it off once then i closed the account. before i new it it was added back on the account they said i didnt close it i told them it was fraud somebody hacked my computer got all my information including an old bank account wasnt any money in it but this person tryed make payments on the card thats what there useing to not take the amont back off they said i made payments on it it wasnt me im XXXX XXXX XXXX i told them i would never pay XXXX dollars for a phone i live in a elderly complex i live on a budget please help me
Product: Checking or savings account

Credit Karma money spend account froze my account on XX/XX/XXXX, I use Credit Karma money spend account, I filed my taxes through XXXX. My taxes were deposited. I tried to use my card, they froze my account on the XXXX for no reason every time I call them I get the runaround with them telling me to wait for an email. I can not speak to no one in the fraud department nor email them, all my money is stuck in Credit Karma account that I cant access my account is frozen and I cant get an update on how to unlock it. Ive called numerous of times.
Product: Credit reporting or other personal consumer reports

Be advised that I am fully aware of my right under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act For instance, I know that : I have disputed this debt ; therefore until validated you know your information concerning this debt is inaccurate. 15 usc 6802 or 15 usc 6801.
Product: Payday loan, title loan, or personal loan

Titlemax loan originated on XX/XX/2018 = XXXX payments started XXXX 2018-present = XXXX balance remaining = XXXX I make 400-500 $ payments every 30 days and not one cent has gone to principle I have discussed with the company on several occasions and was told that I signed the documents, that my vehicle will be repossessed if payments default, that this is high risk/interest loan company. 

I tried to get another company to refinance at a lower rate and was told that Titlemax over loaned me on my car, that my car wasnt even worth what they gave me and that they could not help me. 

Please help, I understand companies are in business to make money but this is excessive ... I have no means of retaining an attorney. I have looked high and low for community organizations and non profits for assistance in resolution. Im not looking for " free '' money. Im looking for " fair '' resolution. This is like 300 % percent loan ...
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 3 separate collections accounts on my credit report from the same company, I have contacted XXXX XXXX and they have no information of any coolections accounts, they then referred me to credit control corp. they can not locate the account in their system either ... I believe 1 or all 3 were erroneously placed on my account. I 'm terribly frustrated that I can not find out why this is being reported on my account and why there are 3?? .. how can I find someone to help me?? The account # 's are XXXX, XXXX, and XXXX. I spoke with a very nice girl from credit control corp. and she looked them up and also used my SS number and could not find them!! Please help
Product: Checking or savings account

Capital One has denied $ XXXX U S Dollars on XX/XX/2024. Capital One Also denied transfering my proceeds from all my direct deposits from Accounta # XXXX XXXX to my XXXX Bank ending in XXXX claiming XXXX has not established communications. Capital One is engaged Retaliation and destroy my secured credit card ending in XXXX XXXX because i wrote ( XXXX ) complaints on their company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Tried to unfreeze my credit information for 24 hrs. The agent I dealt with at Equifax was hard to understand and did not unfreeze the account. I was trying to deal with XXXX XXXX XXXX XXXX XXXX. Will probably miss the promotion price they are offering.
Product: Debt collection

I received several letters from RESURGENT  CAPITOL SERVICES attempting to collect on an unverifiable alleged debt, account # XXXX with an ID # XXXX