23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This company has harassed me for two years once even having papers served on my at my residence in front of company. I had responded to court proceedings at my county circuit court. Had contacted the company to resolve but they only gave two options for payment. Have notified all that I am XXXX on XXXX no other means. They continually threaten with court action by letter and sometimes via phone. Have told them to stop. XXXX and XXXX attorneys for XXXX XXXX XXXX.XXXX
Product: Mortgage

I am up to date with my payments and they are trying to sending foreclosures paperwork it got messed up when escrow paid my insurance XXXX now I 'm having trouble they keep asking for more money I do n't no what to do I have all reciepts through my bank I keep calling them at least once a week but they r rude and I get no where. Greentree is my mortgage company
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX XXXX bill on my consumer report. I sent a-lot of letters to creditors and the bureaus about this matter Also they have been reporting late payments to closed accounts thats been charged off which is illegal by consumer law. 
XXXX XXXX Account XXXX XXXX XXXX XXXX Bank By provisions of the fair credit reporting act and per the standards of reporting compliance implemented with the XXXX enacted XXXX XXXX 2 Compliance regulation, I have the right to a Fair and accurate credit report and are required to remove any information that is not true or accurate.I demand these Accounts mentioned to be removed immediately permanently.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX Balance : {$83000.00} ; XXXXXXXX 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 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 ;
Product: Mortgage

I apparently have a loan with FCI Lenders Services , Inc or with one whom they are servicing. However this company FCI Lenders Services , Inc has failed to send me statements, or provide any info such as a website on how I can obtain any info on the loan that I have been paying to them for quite some time since 2012. I have recently pulled my credit and nothing was found on my credit for FCI or of this loan at all. I have reached out to this company whom they advised me i have to reach out my request in email which I have and yet they still have failed to assist stating I now have to fax over all my personal information just for them to provide me what I feel should be given to me as the consumer. My concern is I am paying faithfully to a loan that has not been showing by credibility on my credit and they can yet provide me info on what the payoff is or breakdown of my payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account involved in Identity thief. Account isn't mines
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX. 
Consumer DOB : XX/XX/year> Consumer SSN : XXXX Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an auto loan from XXXX XXXX XXXX BALANCE : {$7300.00} These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card

I applied for citibank card in conjunction with XXXX XXXX promotion, promising XXXX bonus miles so long as I spent {$3000.00} in the first 3 months. I received the card and spent over {$3000.00} in the first 3 months but saw no such bonus miles. I called Citibank today and spoke with a representative, who indicated they would not be honoring the promotion because of activity with other credit card accounts. Their promotion did not convey any such restrictions / limitations in a manner that I understood, and so I believe their advertising was unfair and deceptive, specifically in such a way to induce me to apply and utilize their credit card product where I would not otherwise have done so. 

When I discussed this with the representative they refused to honor the original promotion. I requested that they put a note on the account letting them know that I would be contacting the CFPB.
Product: Vehicle loan or lease

On XX/XX/year> I entered into a Predatory loan agreement, After going to get a personal loan. I was told I did not qualify for a personal loan but I could qualify for a vehicle refinancing loan. Placing me in a loan With a host of Insurance Premiums, additional add ons and fees. I already had insurance for the vehicle for years before entering into the agreement. I was totally unaware of it at the time when I signed the agreement. Upon receiving and reviewing the contract and studying later I noticed that I was charged in interest more than the penal XXXX XXXX of 25 %. In the State of Ohio. I was charged 25.91 % over the state limit. This company is currently suing me for the amount of ( {$13000.00} ) plus interest at 24.99 % and Attorney fees and court cost. These people have no regard for consumers they just continue to take advantage financially in any way possible. Without regards to laws and regulations.The consumer is left to fend for self.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Mortgage

In XX/XX/XXXX, I had to file bankruptcy and applied for a loan modification with Fay Servicing. After countless paperwork, I received a letter granting it, but it just put my past due amount in the rear, kept my 6 % interest rate, increasing my mortgage amount, which I was having trouble paying to begin with. I struggled but paid them. 

Hurricane Irma hit us in Florida and I had to use funds to make emergency repairs to my house. Due to the fact that I am in bankruptcy, I did not qualify for any relief they offered other custiers, ( ie two months relief ). they told me that I need to apply for another modification, which I did. In the meantime, I receive my insurance proceeds from XXXX to start repairing my house. I signed and mailed the checks over to them on XX/XX/XXXX, totaling {$35000.00} ( check # XXXX for {$2900.00} and # XXXX for {$32000.00} ). Fay servcing has yet to release one dollar back to me for repairs. I have done their paperwork, provided estimates, liability insurance from the contractors, but every time I call them for an update, I am still missing documents. 
I decided then to act as my own contractor to bypass all of the paperwork they need and, per their policy, will provide them proof of all expenses. I am still waiting for a response to my letter sent to them stating such on XX/XX/XXXX. 
They are also keeping a settlement check that I received from a lawsuit that I settle with XXXX  XXXX when they denied my claim for water damages in XX/XX/XXXX ( which is why I had to file bankruptcy for, I paid all of the repairs out of pocket ) ; check # XXXX, {$11000.00}, made payable to myself and XXXX XXXX, XXXX ). I could use that money to get my loan up to date in full since it is my own. I have told them countless time this was my intention. Still, no answer. 
I was contacted by my account manager on XX/XX/XXXX to advised me the loan modification that I applied for was denied, due to the fact that " I have exceeded the amount of request '', which is 2. I only had 1 modification in XX/XX/XXXX. He told me to appeal when I get the paperwork. I asked him of the status of my lost drafts, " I do not know, I will look into it ''. I have now mold in my house, and it is becoming inhabitable, but I have nowhere to go. I am a single mother, sole breadwiner and have XXXX dependents, my motehr and my XXXX year old daughter. I did not qualify for FEMA, since my insurance carrier is covering my claim. I truly believe Fay servicing is doing everything they can for me to lose my house. I can not get any answers from any account managers, can not communicate directly to their lost drafts department, nor speak to a manager. What Fay Servicing is doing is illegal and immoral. I have kept a line of communication with them throughout my entire ordeal, provided all information they have asked of me. I am please asking for help in trying to resolve this matter.
Product: Checking or savings account

We are a XXXX in an XXXX  and make many deposits to CitiBank On XX/XX/XXXX several deposits were made but XXXX of these deposits were never credited to our account. 
We callled the bank and spoke to many people who said that would take care of this situatiuon. 
It is now XXXX days later and nothing has been done. 
XXXX checks of {$80.00} each = {$1300.00} has never been deposited into our account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Loan Company GREAT Plains Payday Lending who I attempting to resolve the illegal interest rate they put on a NJ Loan that they are not licensed to do business with and would not drop the 800 % interest reported the loan on my Credit Which is also illegal. 

The credit agency said it was valid an they could not remove the charge.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX
Product: Checking or savings account

I was scammed out of XXXX dollars on XX/XX/year> and immediately called chime they told me since transactions are pending they could stop them but they didnt then said once theyve settled Id get my money back and didnt then was told to dispute it and writhing 24 hrs was denied my dispute so I called again to get the reason why and was given no information was sent a false email to provide my police report I made on XXXX I just want my money back that was stolen from me and for chime to do there job
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent in several dispute letters in regards to public record information being reported about me on XXXX, TransUnion an XXXX. I sent out letters on XX/XX/2020 to each company requesting their method of verification in regards to the public records and they have failed to respond to this letter within the allotted time of XXXX  days. It is now XX/XX/2020 and I have yet to receive a response about my dispute. Please remove this account immediately for failure to adhere to the FCRA and reporting unvalidated information!
Product: Debt collection

I would like Transworld systems to cease and decist all collection and collection efforts. It appears my rights under the FCRA has been violated. I noticed Transworld systems has been attached to my social security XXXX payment for at least ten 10 years collections have been without my knowledge nor litigation or due process. Transworld systems are also misrepresenting themselves as the federal government and or collecting on behalf of the federal government. The amount only appears to grow and percist the interest is predatory and in total I demand a cease to all collection and removal of debt. In addition I'm seeking compensation for the over collection and violation of my right to dispute as well erroneous reporting via XXXX XXXXXXXX XXXX XXXX correction should be immediately applied to XXXX balance and cease of all action pursuant to 15 USC 1692c and 15 USC 1681 my information was not given with consent to Transworld systems for any purpose or use.
Product: Credit reporting or other personal consumer reports

Im frustrated to see inquiries from your company on my credit report that I never gave consent for.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report Act XXXX, Account:XXXX, Creditor : 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 an account without my written instructions.

This company reported wrong information on my credit report about the payment 's history.
Product: Credit card

-Someone opened a credit card account in my name without my knowledge -Now I owe XXXX $ for that credit card account -i disputed that case with a credit bureau -after one month they sent me a credit file wich states that account opened is mine wich is not correct -because of that account which is not mine my credit score got very low so I can't get any loan or mortgage
Product: Consumer Loan

We purchased a vehicle from a local XXXX dealer and the finance manager arranged for financing through Wells Fargo ( we were not given an option as to who would carry the financing, we were just told that the deal was done through Wells Fargo ). When we received our first statement, I noticed that some information was missing from the statement because I have been purchasing cars for several decades and I am familiar with what is normally included on a car loan statement. Specifically, the interest rate and application of payments ( e.g. how much of each payment is applied to interest and how much to principal ). With this information missing from each statement, we feel that we are being set up for future fraud. We have had numerous instances in the past where we have been defrauded by Wells Fargo but just never filed a claim but because of the size of the car loan being greater than {$20000.00} we are afraid that we are being set up. Calls to Wells Fargo, your organization ( CFPB ), the New Jersey Division of Consumer Affairs, and the Federal Trade Commission have been received with nothing but resistance, incompetence, and/or ambivalence. As a result, there 's no question in my mind why Wells Fargo feels they can break the law with abandon. This used to be a country that was ruled by law. Today it seems it has become a country that is ruled by whoever has the most money. That 's not a political opinion, that 's a statement based on nothing but fact.
Product: Checking or savings account

As part of the resolution of a previous complaint, the bank was supposed to ( 1 ) send me a check to my address of record for the balance in my Savings account and then close the account, ( 2 ) send me a check for the balance in my Checking account and then close the account.

None of these actions have been taken by the bank. In the meantime the lack of responsiveness by the bank has prevented me from investing these monies while interest rates have been falling. 

Due to their lack of security, lack of responsiveness and lack of problem ownership, I will NOT give instructions by phone, mail, online or any other method except through my CFPB complaint/resolution process.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I called experian regarding a loan I didnt apply for on my credit report. They were very rude and I experienced discrimination and I didnt like how I was spoken to at all. They were very rude and unkind and they didnt try to help me with removing unauthorized information such as admistration services on my credit report as as an inquiry and I need it removed immediately!
Product: Credit reporting or other personal consumer reports

In according with the fair Credit Reporting Act XXXX  Account : XXXX XXXX on XX/XX/, 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 furbish an account without my written instructions.
Product: Money transfer, virtual currency, or money service

Could not recover lost funds totaling XXXX in XXXX of XXXX
Product: Debt collection

A collection account from CAINE & WEINER appeared on my credit report and do not have any knowledge of it nor do I have any written and signed contract with the mentioned company and have they have failed to present the contract which I dont have with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX a lease with XXXX XXXX ( XXXX XXXX Apartments ) was created with XXXX XXXX ( Primary Tenant ) and I ( XXXX XXXX ) was the Roommate. XXXX XXXX agreed, along with the property management of XXXXXXXX XXXX Apartments ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX ) for apartement # XXXX. It discloses under # XXXX that " Releasing a m XXXX XXXX ( name of roomate who is moving ) from further liability or responsibility under the lease. This was signed by XXXX XXXX and by myself ( XXXX XXXX - before a notary in Nevada. I have not been at XXXX XXXX XXXX, XXXX, GA XXXX since I moved in XX/XX/XXXX. Since then I moved away with reassurance from XXXX XXXX XXXX XXXX that I would be clear of all liability for this unit. I was sent to a collection agency " XXXX XXXX XXXX ( XXXX ) '' without any notification and no communication. I see that {$6300.00} is reported all 3 of my credit report falsely and unknowingly that impacted my credit scores causing punitive damages. My character was misrepresented and I was unable to get a place in Georgia causing to move out of state and I didn't even know why. My credit score went down 35 points and it impacted my result of getting a house. I feel XXXX Apartments and XXXX XXXX, along with XXXX XXXX XXXX should be penalized for violated the credit reporting act in so many way. Please follow up on this. My number is XXXX. This was really misleading to have me sign a roommate release and then turn around and bill me charges for a place I didn't live at. I had great credit and never had this happen to me before. 
XXXX XXXX Apartments sold my information to an unauthorized Collection Agency XXXX XXXX XXXX XXXX XXXX. It was illegal for them them to give my private information out to another consumer after I was already released from all liability in a legal signed agreement. I was also mislead by the consumer illegally. Thank you.
Product: Debt collection

I sent United Revenue Corp a certified letter requesting they correct and verify 5 accounts they are reporting to XXXX credit bureau. First these accounts are duplicates and they are two accounts that are reporting as 5 separate accounts. Second, I requested they verify all information on accounts as the balance, the date of first delinquency, date closed, and date opened didn't match my records. Per the Texas Finance Code 392 they were to correct or delete from my credit reports. As of today they have done neither and continue to report incorrectly effecting my ability to get financing. Per my attorney all communication needs to be made via email or certified mail. On XX/XX/2018, United Revenue Corp sent me a generic letter with no information at all. I have forwarded to my attorney. I am requesting they delete all 5 accounts immediately from my credit reports. United Revenue Corp XXXX {$940.00} United Revenue Corp XXXX {$940.00} United Revenue Corp XXXX {$1200.00} United Revenue Corp XXXX {$1200.00} United Revenue Corp XXXX {$1200.00} Additionally on XX/XX/2018 I filed a XXXX compliant in attempts to received a resolution and United Revenue Corp failed to respond.
Product: Credit card or prepaid card

In XX/XX/2022 I tried to file a claim on my prepaid card I never received, and I was wrongfully denied. I've been trying to get the cash back that had been taken from my account. Bank of America stated the had a " XXXX liability policy '' for customer protection on fraudulent transactions on the account. I called the claim department and I was told to periodically check back in. This was the XXXX time an incident like this had happened to me. So I waited for about a week I got a police report. Also sending in a picture via fax of my id, just like the claims agent suggested. And for it was originally denied using there fraudulent filter they had just been instructed to stop using by a federal court judge in XXXX. I had received a packet in the mail from the bank giving me a picture and information on the evidence being used to guide their decision. And it was clear that I had received an automated response because they have my id picture I sent. And it's clearly someone I don't know. I have called all year long and was told my claim was stuck in pending. And I've been lied to and neglected and been unfairly treated trying to call the claim department seeking a simple response for a conclusion for my claim and since their filter originally denied my claim I would not receive any provisional credit. I've called all year long, they originally told me it would only take XXXX days to reach a conclusion. After that time passed I was told XXXX business days. Then after that passed they only offered to put in numerous complaints on my behalf even when I ask not to, because I felt like I was closed in running into dead end after dead end, with the claims department the full calendar year of 2022 they still tell me my claim status is stuck in pending and there is no time frame to reaching a conclusion and they can take as long as they want, this is absurd. I would like for a this this to be settled. And paid finally because the claims department for bank of America is very unprofessional. And I do feel as if the members of claims do not care. I did everything I possibly to help the process and in return they play games and delay when they could simply fix the problem. Thank you
Product: Money transfer, virtual currency, or money service

Selling products online and went through Western Union Received many email from Western Union. 
Upon sending the package to the receiver, western union confirms there is no sign of any payment or trail of communication from me.

Fraud