23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

ConServe sent a wage garnishment to my employer in XXXX 2016. After completing wage garnishment calculation sheet with my employer ; I called ConServe to see about getting into a REHAB program. I spoke with XXXX and he walked me through several online and printed documents that I had to complete to supposedly get into this so called REHAB program. He told me that my employer could hold off on the wage garnishment until a letter from XXXX XXXX XXXX is received that would change my payment to $ 5 month and he then said to ensure that this is done, I needed to make XXXX {$5.00} payments over the phone. I did this by giving him my account information. My employer called me in to say ConServe had called her and that the wage garnishment that we calculated would have to begin immediately at which time I called ConServe again to find out what is going on. I was told at that time that the {$5.00} payment was being made to Conserve to REQUEST a payment reduction or CANCELLATION from XXXX and that I would have to continue to make XXXX consecutive {$5.00} payments ON TOP of the wage garnishment payment before a request would be made to XXXX XXXX XXXX. It 's now XXXX and I 'm still completing paperwork in regards to a {$5.00} payment and still being garnished for the calculated amount. None of what they say, make any sense to me. There is no way XXXX will stop a {$22000.00} debt based on 5 consecutive payments made on time. I 'm trying to get them to be honest with me, because why should I pay them {$5.00} a month to ask XXXX something that I know will not happen. It 's crazy and they 're being very deceitful. XXXX should be ashame of themselves for contracting such an unprofessional company to manipulate hard working individuals ; who clearly do n't have the money to even pay back these loans. It 's not that we do n't want to pay ; but times are hard and the money is simply not available at the time. To hood wink someone into making payments like this is TOTAL FRAUD! I WILL BE MAKING A COMPLAINT TO DEPARTMENT OF EDUCATION AS WELL!
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has violated my Federally Protected Rights under the FCRA. I asked for Method of Verification for the inaccurate inquiries they are reporting to ensure they excericed there grace responsibility as Required by Congress in order to furnish a consumer report it has to be to the maximum accuracy and your company employees/agents failed to do so as that is my Right pursuant to the FCRA. My consumer report is to be Fair and equitable to me but instead its furnished to benefit you and your business partners. 
Failure to Comply will result in Legal Matters as this issue is negatively affecting mine and my children livelihood. I called on the phone multiple times and the rep failed to dispute the information as that is my right
Product: Debt collection

I disputed items inaccurate on my credit report.This is not my debt. I asked for a signatures, agreements, purchase information such as who authorized, where items were bought, delivered to, picked up from- etc.The companies only provided me with monthly statements. I argued that this is not proof of a debt owed the company said that they verified my name and address so its considered valid. I explained that they are violating FCRA REGULATIONS. They said that they are well within their rights as a creditor/ credit reporting agency
Product: Credit card

After receiving constant false and misleading emails, I asked CapitalOne to stop contacting me. Several months ago, I closed all of my accounts with them. The emails stopped, and now they have once again started sending me unsolicited emails. I closed all of my accounts with them. The harassment needs to stop. Do they owe me money if I have closed my accounts, no longer have a business relationship with them, but they still send me emails. I closed all of the accounts just so I could get the emails to stop. I have sent endless emails to XXXX XXXX, the CEO. However, the harassing emails have started again.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act, account XXXX XXXX XXXX XXXXXXXX has violated my rights, This account does not belong to my name, it is listed as a corporate account, and therefore should not be on my personal credit report, is listed with late payments. Please provide me with a copy of the contract signed or voice conversation where I authorized billing me on this account. If not you must remove this from my credit according to the Fair Credit Reporting Act.

Title 15 of the United States Code, Section 602 A, states that I have the right to privacy Title 15 of the United States Code, Section 604 A, Section 2 : Also states that the credit reporting agency may not provide an account without my written instructions
Product: Credit reporting

The CFPB was very helpful in getting my XXXX Credit Report corrected. The issue now in the reporting by Transunion. I filed XXXX dispute regarding their reporting of a mortgage with XXXX. The problem appears to be with Transunion at this point and not XXXX. Transunion is reporting the same loan twice. Once as {$340000.00} and again as {$340000.00} ( see attachment )
Product: Credit reporting or other personal consumer reports

I received message from American Express and XXXX  that my credit has been reduced due to excessive inquires. I have not applied for credit with any source over the pass 18 months. I called XXXX XXXX  and requested they stop but they have run it daily Please assist
Product: Credit reporting or other personal consumer reports

consumer attempted to get consumer report from transunion via transunion website and XXXX. Transunion is preventing me from accessing my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My report 's list of inquiry and information was inaccurate. I sent it to each credit bureau, asking them to investigate it and review my files. However, that information continues to be reported and has a negative effect on my credit. As a result, the credit bureau did nothing to get rid of the incorrect information and inquiry listed below. 
EMPLOYER : XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX Date Updated : XX/XX/XXXX INQUIRY : XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the past several months I have requested that Transition provide proof of various issues i had reporting on my report. the latest report as of XX/XX/18 still states the mis-reported information as well as, a report from XX/XX/18, various mistakes in reporting are noted and pointed out and Transunion updated the information that I had found wrong and then added to the time that it will remain, then inform me that unless i send a different letter that Transunion will not look in to there mistakes. It is not fare no legal that due to there mis reporting and unable proof to provide the information i had requested for well over the allotted time needed. the accounts remain and more have been added. also various medical accounts appear as well and i know that is a HIPPA violation. I am not sure as to why nor understand the reasoning behind Transition unwillingness to admit there mistakes and remove the accounts and failed to accept my consumer complaint OR the INCORRECT ADDRESS was reported, EITHER a clear infraction of the requisite conditions of reporting which is to include ONLY TRUE, FAIR, ACCURATE, and COMPLETE COMPLIANT REPORTED DATA. In the LEAST, this item is NOT REPORTED ACCURATELY Surely it is, as such it is unlawful and mandates assert the proper resolution is to eradicate the deceptive reporting so delete today, here and now please. Wrong address was displayed therefore the reporting is DEFICIENT of legal standing to report and to retain is unlawful and a dereliction of adequate mandatory certified compliant reporting of allegations of delinquent and or derogatory consumer information, TRUE or NOT! I DO NOT DISPUTE the reality of the account reported YET XXXX refuses to REMOVE the claim I dispute it. PLEASE EXTINGUISH the " DISPUTE '' remark OR present regulatory requisites that suggests a mandate to retain a dispute statement OUTSIDE the consumer 's CLAIM of NOT DISPUTING. What gives XXXX, exactly, the RIGHT to retain despite an absence of consumer dispute or an authorization from consumer to suggest it is in dispute? CERTIFY the nature of any CURRENT DISPUTE or else eradicate. It is UNLAWFUL for any entity in credit to be deceptive or unfair. CLEARLY this is Transunion misbehaving illegally and must act to remove a claim of aimed
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. This complaint to Equifax was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be updated from my credit reports. They neither saw nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me correct the concerned items for they were found erroneous and inaccurate. 
XXXX XXXX XXXX Balance {$6500.00} XXXX XXXX  XXXX XXXX Balance {$700.00}
Product: Credit reporting or other personal consumer reports

Equifax has fail to fulfill its legal obligation under the fair credit reporting act ( FCRA ) to conduct a reasonable reinvestigation of dispute Bureau ( CFPB ) has recently filed a lawsuit against Equifax, alleging systemic issues such as failing to forward consumer- provided evidence to furnisher, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Equifax has neither corrected nor removed disputed items despirte the evidence I proved, causing ongoing harm to my credit standing. I am requesting immeditate corrective action to remove or amend the disputed accounts, as Equifax inaction violates federal law and my right as a consumer.
Product: Credit card or prepaid card

I strongly believe there was a misrepresentation with regards to the two CC account that were opened up. 

The applicant was never informed that the application was a promissory/instrument that was monetize and/or securitize without the Applicant/Grantor being fully disclose to. 

That why as the grantor of both said accounts that I demanded that the CEO of XXXXapital One produce all documentations regarding this matter.
Product: Debt collection

BULLCITY FINANCIAL SOL Contact  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NCXXXX ( XXXX ) XXXX HAS BEEN SENDING ME COLLECTION NOTICIES IN THE AMOUNT OF {$330.00} THE COLLECTION HAS BEEN REPORTED AS PAST DUE. I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY. THIS COMPNAY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.
Product: Checking or savings account

On XX/XX/XXXX  I received an eviction notice from XXXX XXXX XXXX due that, XXXX stated that my rental payment that was paid by me, XXXX XXXX, was returned by the bank. I then went to the bank to see what the issue was. I also took out the rental payment that was sitting in the account every since XX/XX/. I got a money order for {$620.00}. {$620.00} was for the rent ; the extra {$20.00} was due that someone stayed in the house past 2 weeks. Per the rental agreement. Two dollars for the transaction through XXXX XXXX center and {$2.00} for the money order. 
If you take notice of the transactions below - the XXXX XXXX transaction of {$29.00} transacted on XX/XX/XXXX  leaving the balance of {$620.00}, {$5.00} over what was due for rent on XX/XX/. This was in the account still on XX/XX/XXXX  and left no basis for the return of the ACH that was transacted on XX/XX/2023 ( the rental payment ). 
As you can see in the bank record above, on the prior page, the Social Security Check was made available to me on XX/XX/2023 in the amount of {$1200.00}. At this time my bank account was reflecting a positive status. I could not have made 6 transactions on XX/XX/XXXX & XXXX XXXX  without that SS Check because that amount of money was not in the account prior to the SS Check. As you can see on the prior page, the SS Check has a credit date of XX/XX/. As you can see on this page, the Social Security Check has a credit date of XX/XX/2023, which is fraudulent in nature. This makes me think that either XXXX XXXX XXXX, has someone working for him in the bank doing illegal work, or Regions Bank has lost its mind. As you can see from the record above, the ACH payment - XXXX was returned on the XXXX when the account reflected a balance of {$620.00} from the XXXX up to the XXXX, at which I went into the bank to purchase a money order to pay the rent, after receiving the eviction notice. 
Pleas see attached proofs
Product: Credit reporting or other personal consumer reports

Discovered billing mistakes on my credit report showing late payments. Requesting a correction to reflect accurate records.
Product: Mortgage

I pay Mr XXXX to do a Chapter XXXX to save my house he file the forms but never kept up on bringing in documents which was require for to do so and on top of it all he never told me and didn't show up nor did he have someone to stand in and I loss my house. the last thing we talked about if I going to loss my house he said no, instead of him doing what he was payed for that was he show up or have someone to replace him. Now I loss my house I sleep in my car I eat whatever it's in the street. Please I need help I want him to pay me what my house was worth so I can get another one
Product: Mortgage

I had a mortgage with Wells Fargo since XXXX on an condo in XXXX, WA. I had set-up an auto-payment that pays the mortgage from my checking account every months. This year I was out of the US from XX/XX/XXXX to XX/XX/XXXX on a family medical emergency. During this time in XX/XX/XXXX, Wells Fargo sold my loan to XXXX and sent an mail to a postal address where I lived XXXX ago. Wells Fargo did not send me any emails with this notification. As a result of this I did not know that my loan was no longer with Wells Fargo and it had transferred to XXXX. As a result of this, I am 60-days late on my mortgage payment because I was under the assumption that my loan was getting paid by the auto-pay to Wells Fargo. I got to know about it during a Credit History Check and I immediately paid the full amount that was due. The delinquency status on my credit history is hurting me to get any loans and I am planning to invest in Real Estate. Wells Fargo is at fault here, they did not do their due diligence in ensuring their customers are aware of their loan transfers. Before this incident my credit score was XXXX and today it is XXXX, this has hurt my years of financial health. I am a productive professional in the XXXX XXXX with a good income. I have paid all of my dues in a timely fashion. I should not be the one suffering because Wells Fargo did not inform me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to contact the following companies in regard to Identity theft & fraud with the following accounts : XXXXCIMA DIGITAL FKA SIMP - Opened XX/XX/XXXX ..... Updated XX/XX/XXXX ... {$3700.00} XXXX XXXX XXXX Opened XX/XX/XXXX ..... Updated XX/XX/XXXX. {$4200.00} XXXX XXXX XXXX Opened XX/XX/XXXX ... ... updated XX/XX/XXXX, {$1900.00} XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX ... updated XX/XX/XXXX Balance {$14000.00} XXXX XXXX XXXX Opened XX/XX/XXXX... Updated XX/XX/XXXX, {$4400.00} XXXX XXXX XXXX opened XX/XX/XXXX, XXXX XX/XX/XXXX, {$480.00} XXXX XXXX XXXX XXXX- XXXX XX/XX/XXXX... Updated XX/XX/XXXX, {$15000.00}
Product: Credit card or prepaid card

On XX/XX/2022, after logging into my Goldman Sachs Apple Card credit card account, I immediately became aware that my credit card had been used without my authorization in a number of transactions that I did not recognize. The Company rejected my claim on XX/XX/2022 and has refused to provide the required documentation supporting its decision, even though I have formally requested this several times. This is a violation of my rights and the Fair Credit Billing Act.
Product: Mortgage

My problem is with Select Portfolio Servicing , inc . 

I received a letter dated XX/XX/XXXX stating that they would not let me assume the mortgage of my late mother and they have rejected the modification request. I did not request a modification. I requested on XX/XX/XXXXa Repayment Plan. The XXXX XXXX XXXX XXXX XXXX also faxed them my request for a Repayment Plan. I had previously submitted all paperwork showing that my husband and I earn more than enough to pay a Repayment Plan. They never addressed the request for the Repayment Plan. I was told on the phone today -- at XXXX -- by one of their representatives ( and they have a recording of the telephone conversation ) whereby she stated that if the Investor -- which I understand is XXXX Bank -- does not want to negotiate with you -- no matter what you request -- they would not okay it. 

They have not stated this to me in writing. They just asked me to send the same paperwork over and over again. The letter stated that SPS is committed to home retention and there are other options available. 

They are giving me the run-around, and I have never heard of a bank that rejected a repayment plan. My late mother left her home to me. My name is on the deed of the home and her name is on the mortgage of the home. She passed away in XXXX of XXXX. I have been trying to resolve this ever since to no avail. 

SPS ( Select Portfolio Servicing ) are using deceitful means to try to take the home from me. 

Please help me. 

Thank you.
Product: Credit card or prepaid card

In XXXX of 2022 I opened a small business credit card that offer a {$300.00} promotional credit after 60 days of spending {$3000.00}. I fulfilled the requirements and waited an additional 30 days for my credit. After two calls over the past few months and requesting Bank of America to investigate my issue I finally spoke with XXXX XXXX XXXX of Small Business Department in California today XXXX XXXX. I was told that this does not apply to unsecured cards but this was never detailed in the promotion. This along with constant erroneous charged fees ( {$12.00} ) on my personal accounts with Bank of America has promoted me to reach out today. I don't understand how a bank is able to operate with consumers affairs so carelessly and not be held accountable.
Product: Mortgage

My home loan is through Ocwen Mortgage ( it was not the originating lender, it was sold to them ). I have tried several times to make extra payments toward the principal on my loan with explicit instructions that the money be put ONLY towards principal. Each time it was " mistakenly '' treated as a payment and had interest removed. I had to fight with their people on the phone to have the payment properly credited -- which they finally did. But, now I 'm hating the thought of having to go through it again. I have researched their site looking for proper instructions in how to make extra payments towards the principal and ca n't find the proper instructions. I 'm extremely disappointed with this company and wish I had some control over who the loan was sold to. I pay more than my mortgage each month, on time, but I feel like this place is looking for ways to make me pay extra all the time!
Product: Credit reporting or other personal consumer reports

I have already disputed these accounts on the basis of identity theft, I even did an identity theft report through the FTC, yet the bureaus are still reporting the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3400.00} Also XXXX keeps listing a XXXX  XXXX docket number XXXX which was done by an attorney without my consent XX/XX/2018. 

I am including said FTC report as evidence that I have tried to address this once already.
Product: Mortgage

This company Bayview foreclosed on my home and made four attempts to sell, yet they have a sale date set for XX/XX/2019, and the process was all done forged, fabricated, and altered documents. 
Most Importantly, I attached documents to support my claim.
Product: Bank account or service

1 ; Justice Dept. fined Bank of America ( BOA ) XXXX " in a historic settlement for financial fraud leading up to and during the financial crisis ''. As a result, my wife & I received a letter XXXX XXXX, XXXX from BOA stating we were " approved for their full principal forgiveness program '' for our mortgage, for which we had not defaulted nor were delinquent in current payments. ( See support document ). Also stated in the BOA XXXX letter : " a tax relief fund was established to help defray some of our federal tax liability ''. Subsequently, BOA sent us ( & the IRS ) a XXXX document stating : " cancellation of debt '' terminology, which is NOT PRINCIPAL FORGIVENESS terminology ( See support document ). This " cancellation of debt '' terminology resulted in our credit reports listing a " charge off '', not a principal forgiveness program, thus resulting in a lowering of our credit rating. The " charge off '' term and " cancellation of debt '' term were red flags at the credit bureaus, causing this lowering our credit scores. 
2. We contacted BOA re : amount & procedure for their tax relief fund to be applied to our XXXX tax burden. After multiple calls to BOA 's customer service telephone number as listed on letter sent to us, no one " knew anything about this issue ''. They suggested we call the IRS. We did call the IRS and were referred to their legal area. We were told " effective immediately, we can not talk to the consumer regarding any matter of cancellation of debt or charge offs ''. Now, our XXXX federal taxes are extended to XXXX XXXX. Since we got no answers from BOA & IRS, we will be penalized with interest and penalties commencing XXXX XXXX, XXXX.
Product: Credit card or prepaid card

I had a a travel credit card with Bank of America for several years. Out of nowhere Bank of America closed my credit card account without notice and without reason. I had a XXXX dollar balance, the card was NOT expired, and was not late on any payments, and I had accumulated a considerable amount of reward points from my purchases. Bank of America not only closed the account for absolutely no reason, but they refused to issue me the rewards points that I rightfully accumulated during throughout the duration of the time I used the card. I will also note that I called and asked why the account was closed and received no answers and also asked if the credit card could be re-opened and they said no! I have a maintained a great credit score, I paid the card on time consistently and I am having difficulty figuring out why this occurred. They were able to profit off of me using the credit card for years, and seemingly once they could no longer make a profit off of me and the account they closed it any valid reason. I wanted to keep the card open and continue to use it, but unbeknownst to me they completely closed the account.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  CHANGED information previously reported as accurate, on my Credit report more than a year after the account was closed I believe this was done maliciously in coordination with XXXX XXXX to cover up sloppy bookeeping. Dates of payments received were changed XX/XX/XXXX AFTER I disputed information from my Credit report that showed XX/XX/XXXX payment was paid & verified as ACCURATE by XXXX XXXX Transunion from XX/XX/XXXX through XX/XX/XXXX. My rights under FCRA are being violated. The information provided in my credit reports ( XXXX XXXX Transunion ) are unfair, inaccurate, incomplete & totally unverifiable!