23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In XXXX of 2019, I financed a living room set from XXXX XXXX XXXX XXXX through XXXX. The original debt was approximately {$1100.00}. I was making my payments for a few months, but then lost my job. A few natural disasters and a pandemic occurred, and I still have not been able to secure employment. I started to get calls over and over from XXXX on my cell phone to pay my bill. I was never offered an arrangement or anything to resolve the issue. Now Im getting phone calls from a collection company that states they are a lawyer last name XXXX office, and that Im going to jail for theft, defamation and fraud. I was told that I was sent letters for an arrangement, however, I did not receive anything. The woman on the phone is accusing me of being a thief, telling me that now i owe {$3800.00}, and saying that shes just going to turn me over to court and a judge will order me to get arrested for fraud and theft. They keep calling my cell phone under a private number, though Ive asked them to stop because I feel threatened, humiliated, and harassed.
Product: Credit card

It took me 3 attempts to close my Wells Fargo Credit Card. I finally went to a Wells Fargo Branch in XXXX WI. The Branch Manager with me in her office to finally close it. ( Two previous attempts to Wells Fargo Customer Service Failed ). Afterwards my pay off jumped by over {$200.00} dollars. I think this to much.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several attempts to notify you that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft. 
XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX  XXXX XXXX XXXX AL XXXX XX/XX/XXXX, XXXX XXXX  XXXX XXXX, AL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I RECEIVED A COPY OF MY CREDIT REPORT AND I NOTICED ACCOUNTS WHICH IS NOT MINE. 
I BELIEVE, THAT SOMEONE USED MY PERSONAL INFORMATION, BECAUSE ONE OF CREDIT BUREAUS REPORTING WRONG DATE OF BIRTH, I WAS VICTIM OF IDENTITY THEFT, I HAVE NO CONTRACTS WITH MY SIGNATURE, I DON'T WANT TO BE RESPONSIBLE FOR SOMEONE'S DEBTS.
Product: Checking or savings account

multiple issues- cant close, company forced close w XXXX funds coming in, refuses to purge system, refused to update drivers licences correctly, refused me a credit line, etc. 

This compnay is nothing but a con artist and I dont want thier business. I ve told them 4x now to stop sending me XXXX. They dont care. I have asked for policy termination. Didnt happen. I asked for over 1200 be sent to me repeatedly via wire. Didnt happen. I am not and nevermore will be a customer. I reccommend no veteran do business with them. choose XXXX XXXX or XXXX XXXX etc. I was just sent an atm card. AS IF.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX  XXXX XXXX # XXXX, Account name : XXXX  XXXX XXXX # XXXX, has violated my rights. 

I looked at my XXXX credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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: Credit reporting, credit repair services, or other personal consumer reports

I brought my XXXX mini van in to be repaired at XXXX XXXX in XXXX NY while under warranty. The two electronic keys were not working properly.The dealer refused to honor the warranty claiming there was nothing wrong. I contacted XXXX and informed them that their dealer is refusing to honor the vehicle warranty. After the warranty expired the keys stopped working completely. I brought the van back in and was charged about {$480.00} for two keys. I  asked why I was being charged and was told the warranty expired and they were not responsible. I paid with a credit card or I would not have been allowed to get my car back. I checked NY law and was told by two lawyers that if a vehicle is brought back under warranty and the problem is not fixed the warranty remains in effect until the problem is fixed. I informed XXXX XXXX XXXX XXXX XXXX XXXX of this. They refuse to remove the negative info from my credit file and this is causing me to be denied other credit card offers that come with large rewards. Issue two I went on XXXX and after looking at items a pop up adv from XXXX appeared offering me {$50.00} off my first purchase, NOT SECOND PURCHASE. If I applied for and received a credit card. I did this and was approved. I bought items for a bit over {$50.00}. I received a bill from XXXX credit card stating I would receive the {$50.00} off my second purchase and had to pay the {$50.00} plus from my first purchase. I offered to return the goods but they could not be returned. Since there would be no second purchase I asked XXXX to honor their offer. They refused and placed negative info on my credit report. This is hurting my ability to receive new credit cards. In both cases the credit card companies are intentionally transmitting false information about me in order to ruin my reputation. Can you do something to fix this?
Product: Mortgage

Due to divorce, I fell behind on my mortgage payments. I was given a reinstatement quote and deadline. I paid the quote before the deadline and informed the trustee attorney via email and telephone with evidence of confirmed payment on time. I was ignored. I then kept paying the mortgage monthly but they kept sending back the payments and kept giving new reinstatement quotes with {$5000.00} to {$8000.00} dollar fees every month. I continue to pay the mortgage and communicate with Ditech and they only send me more fees. Although they acknowledge the $ 18,000+ in my account unapplied to the mortgage, the foreclosure date comes closer and my XXXX children and I need a home. I only want to pay what I owe and have a place for my children.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App XXXX Block , Inc . ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their 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: Debt collection

The original creditor company and its debt collection agency improperly reported negative/derogatory information to the Credit Reporting Agencies without first contacting the debtor about the debt to verify the accuracy and existence of the debt. Despite the debtors ' dispute of the debt existence via their attorney, the original creditor company and its debt collection agency made false and fraudulent statements regarding the debt and its dispute to the Credit Reporting Agencies.
Product: Mortgage

Nationstar, now Mr. Cooper, told me to go into foreclosure when I was unable to make payments on my mortgage in XXXX. The loan was in default for a number of months. I believe it was XXXX or XXXX when the default began. Nationstar took many months and many lengthy phone calls and lots of back and forth via email and so much paperwork before the company finally modified my mortgage, which went into effect XX/XX/XXXX. From that time through the end of XXXX, payments were made timely. I sold the property and satisfied the mortgage loan and additional loanich at the end of XX/XX/XXXX. Today, I am hoping to buy a property, but XXXX shows on my credit report that during those months when the loan was in default that it was in foreclosure. It was my understanding that the loan did not go into foreclosure. On XXXX, in fact, it shows past due, not foreclosure. Beginning with the first month that the loan was past due, the label on XXXX is " foreclosure. '' Nationstar refuses to remove the label of foreclosure, insisting that it went to foreclosure department even though I was in negotiation to modify my mortgage. Mr. Cooper ( Nationstar is keeping me from buying a home, which I very much need to do during this time when prices are rising but mortgage rates remain low and I'm in the last tier of my life at age XXXX.
Product: Credit reporting

I consolidated my student loans, however, Transunion reports the new consolidated balance as well as the pre-consolidated amount. As a result, my credit report indicates that I owe over $ XXXX in student loans and makes my debt looks exorbitant. I have disputed with Transunion and they have failed to acknowledge or correct this error.
Product: Debt collection

Thursday XXXX XXXX 2015 I received a phone call from a former co worker stating a message was left for me at my prior place of employment from a " XXXX XXXX '' regarding a " civil complaint '' and referencing a case # and a # to call back. I called that number and got the voice mail of this " XXXX XXXX '' stating the company was Clear Credit Solutions. I have no knowledge of who this " XXXX XXXX '' is or why this person is contacting one of my former co workers about this so called " civil complaint '', not ONCE have I personally ever received a phone call from " XXXX XXXX '' or Clear Credit Solutions. His business practice and communication tactics are unethical and need to be stopped immediately.
Product: Debt collection

XXXX is not licensed to collect in the state of North Carolina therefore they must be removed from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

After COVID19 hit I was laid off my company closed down. I contacted Automotive Credit Company to  have my payment deferred. They said they would defer them. Checked my credit reports they marked me 30 days late for XX/XX/2020, XX/XX/2020, XX/XX/2020 when I was told by the representative that they would not report any lates. I ended up paying my loan off early and they lates are on my credit reports preventing me from getting another loan. How can they do this when I had no control over not being able to work due to COVID19. I want the 30 day lates removed from my credit reports. This is so unfair.
Product: Vehicle loan or lease

Between XX/XX/XXXX & XXXX, 2023 my vehicle was improperly towed by XXXX XXXX and XXXX XXXX, hired by Chrysler Capital resulting to the vehicle being immobile and sustained cosmetic damages. XXXX XXXX and XXXX XXXX is requesting me to file a claim, however apart of the claim is requesting XXXX estimated of the damages which is immediately impossible since the vehicle can not be moved without causing more damage to the front frame. I reached to Chrysler Capital to advise next steps as thatll disorient the appropriate price of the sale of vehicle at an auction and they asked me for a video from the tow truck. The towing company is refusing to provide me with that information. Chrysler Capital XXXX XXXX XXXX and XXXX XXXX and refuse to reach out to them for the release of the video. This is going to result in me ultimately owing an alleged amount on the vehicle due to the negligence on both Chrysler Capital XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX behalf. During the time of pickup, Chrysler Capital failed to abide by Maryland state laws regarding repossession. Also during this time frame, after contacting U.S. Department of Transportation XXXX XXXX XXXX XXXX XXXX I also discovered XXXX is actually in lapse on insurance protection against property towed.
Product: Debt collection

The following is what I have been sent. I never took out this loan. I have told them this numerous times, to no avail. 

Loan Account Number : XXXX Amount Due : {$1200.00} Court action will be the consequence of your ignoring this letter Dear XXXX, We would like to inform you that we are sending this e-mail as notification regarding your payday loan account with United Cash Loans. We have tried everything to contact you, through the mail and phone calls but failed to get any response from your side. 

If full payment is not received by XX/XX/XXXX court action will be taken against you. If you allow this to happen you will incur court costs and you may forfeit your credit status because your name will be recorded by the major credit bureaus. This may hamper your credit rating. 

You are also being charged debt recovery costs and statutory the interest of 15 % above the reference rate ( fixed for the six month period within which date the invoices became overdue ) pursuant to the late payment legislation. 
To stop this from happening please pay in full now or contact us to put forward your proposals. 
Thank you. 
XXXX XXXX XXXX XXXX XXXX United Cash Loans XXXX XXXX United Cash Loans | Privacy | Terms of use -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Confidentiality Statement & Notice : This email is covered by the Electronic Communications Privacy Act, 18 U.S.C. 2510-2521 and intended only for the use of the individual or entity to which it is addressed. Any review, re transmission, dissemination to unauthorized persons or other use of the original message and any attachments is strictly prohibited. If you received this electronic transmission in error, please reply to the above-referenced sender about the error and permanently delete this message. Thank you for your cooperation. 

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Product: Credit reporting or other personal consumer reports

Fraud accounts being relisted. Please block all fraud accounts and related inquiries per FCRA, XXXX XXXX and CFPB. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charges filed with Arizona supreme court for all 3 credit reporting agencies : Litigation ref # XXXX -Officer XXXX ORIGINAL POLICE REPORT ON FILE address, emails, bank statement, FTC, police report and ID attached for verification thank you
Product: Checking or savings account

My business partner and I opened a checking and savings account with Chase Bank XXXX in XXXX XXXX last year, 2019. They provided us with a 3 checks as a part of our welcome packet. 

{$1000.00} was withdrawn from our account via a fake check that had our account number on it on XX/XX/2019 at XXXX XXXX with an entity named XXXX XXXX XXXX XXXX XXXX the east coast. 

We filed a fraud claim with Chase Bank that they rejected on the premise that the 3 unused checks they provided us were not safely locked in a XXXX XXXX ' personal residence. They claimed that someone could've seen the account number on the 3 checks and created a fake check to cash hundred of miles away from XXXX XXXX. 

We urged Chase to reconsider our claim by talking with their fraud department on multiple occasions, stating that the name and address on the fake check was someone unrelated to our business, so the check should've not been processed in the first place. Chase continued to reject our claim on the basis that the checks were not locked away in a personal residence.
Product: Checking or savings account

I XXXX XXXX filed a fraud claim for my checking account with JP Morgan chase. Account # XXXX on XX/XX/XXXX. The claim was in regards to a {$500.00} withdrawl from my account on XX/XX/XXXX from a non chase atm that I did not authorize. I reported the fraud the next calendar day which within the 60 day time frame that is given under the The Fair Credit Billing Act ( FCBA ). In the report I stated that their was an unauthorized charge but I still had the debit card in my possession. They proceeded to tell me that my card and pin had most likely been skimmed at a point of sale machine. JP Morgan Chase at the time of the claim reimbursed me my {$500.00} and {$3.00} non chase atm fee. On XX/XX/XXXX chase reversed that reimbursement of {$500.00} and denied my claim. Leaving my account negative {$420.00}. On a phone call with customer service on XX/XX/XXXX according to representative Chase denied my claim on the basis that the fraudulent transaction used my debit card pin. I believe this is a insubstantial reasoning for denying my claim they themselves told me that it is possible for thieves to skim debit card and record debit card security pins. The fraud was done at unknown atm that I never have used prior and I have never filed a fraud claim in previous years. I believe that chase is breaking the law by not reimburse my fraud claim as I reported it within the allotted time of 60 days under the The Fair Credit Billing Act ( FCBA ). And not providing an appeals process or explanation.
Product: Mortgage

GMAC Mortgage did the exact same thing as you are fining XXXX for, willful disregard for the law while collecting payments through fraudulent intent and bad faith foreclosure negotiations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've tried to address this Bankruptcy with Experian for months and they continue to ignore the problem. I've sent letters requesting validation and verification and nothing has been done.
Product: Credit reporting, credit repair services, or other personal consumer reports

The creditor listed in this collection account never belonged to me. This has to be an error. I gave no consent for this original creditor to use my information
Product: Credit reporting or other personal consumer reports

I am writing to formally attest that I am a victim of trafficking in persons, as defined under section 605C of the Fair Credit Reporting Act ( FCRA ). I kindly request your assistance in complying with the legal obligations outlined in the FCRA to ensure the protection of my rights XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Navy Federal Credit Union is insured under the XXXX XXXX XXXX XXXX for up to {$250000.00} on each members deposit account which means that my account is insured for {$250000.00} yet Navy Federal Credit Union has charged me multiple overdraft protection fees over the years ( between XXXX ), which are charged {$20.00} for each one. This is ILLEGAL as Navy Federal Credit Union did NOT take a loss due to my account being protected with insurance. Navy Federal Credit Union is not only keeping the insurance for my account but the interest payments as well for each deposit. This is confirmation that I can not be charged when Navy Federal Credit Union is already keeping ALL the proceeds as the custodian over my account. Custodial Accounts : The combined balances in a minor 's custodial account ( an account established under the provision of the Uniform Transfers to Minors Act ) are insured separately from funds the minor or custodian has in other Navy Federal accounts, and receive separate insurance coverage for up to {$250000.00}. I am demanding that my account is reinstated immediately as, again, Navy Federal Credit Union has not taken a loss. NFCU has violated the Consumer Financial Protection Act of XXXX ( XXXX ) as it prohibits " unfair, deceptive, or abusive '' acts or practices ( sections XXXX ( a ) and XXXX ( a ) ( XXXX ) ( B ) of the XXXX, XXXX XXXX. XXXX ( a ) and XXXX ( a ) ( XXXX ) ( B ) ) by restricting me from my online account, debit card use, and no longer have the ability to deposit funds into my account. This has been a huge inconvenience and has caused grave inconveniences and substantial injuries as Navy Federal Credit Union was my only banking account. I have also included a copy of the charge off/debt collection letter from NFCU, my response letter to the charge off/debt collection letter from NFCU and the Consent order from an Administrative Proceeding filed on XX/XX/XXXX ordered by the Consumer Financial Protection Bureau for NFCU XXXX Your immediate attention to this matter is appreciated and I am anticipating a timely response.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting an collection with a company called XXXX XXXX   account # XXXX This isn't my account, shortly after XXXX had a data breach, this collection popped up on my credit report from out of thin air.

I disputed this account & requested them to produce a signed contract with my name on it, instead they sent me a credit report stating that the account was verified which is impossible, if they would have really investigated this account rather that using their XXXX  system, they would've know that this account isn't mine.

Is XXXX XXXX even licensed to collect debt in North Carolina?
Product: Credit reporting

I am writing this complaint with the assistance of my attorney. I am a victim of a mixed filed error. XXXX XXXX XXXX XXXX XXXX obtained a small claims judgment in the XXXX XXXX XXXX against a XXXX XXXX of XXXX XXXX XXXX in XXXX, NH ( See attached copy of complaint ). I am XXXX XXXX XXXX of XXXX Watersedge XXXX in XXXX, NH and I have never lived at XXXX XXXX XXXX. XXXX and Equifax inaccurately placed this public record information on my credit report. When I discovered the error the week of XXXX XXXX, I did a telephone dispute with both CRA 's and XXXX removed the inaccurate information ( See attached XXXX response ), but Equifax verified it ( See attached confirmation No. XXXX ). I called XXXX and complained and it represented that it was not reporting this debt under my social security number and gave me the last XXXX digits of a social security number that concerned the person who lives on XXXX XXXX, and not at my address. I am about to apply for a parental loan for my daughter 's education and the adverse information on the Equifax report will cause me damage of either being denied a loan or being charged a higher interest. It is important that Equifax stop reporting this inaccurate information and immediately remove the XXXX judgment from my Equifax credit report.