23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX  XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXXXXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

Statebridge says I owe them {$17000.00}
Product: Mortgage

I changed to a different company by refinancing. I was having issues with my mortgage due to being a XXXX veteran and being on a budget. I could not get assistance from Wells Fargo and the fees were too high. So I left and found a company that would work with me.
Product: Mortgage

My home suffered roof damage during a storm in the amount of $ XXXX in XXXX. The insurance company made the check payable to the mortgage company and me in XXXX. The mortgage company policy states that checks over $ XXXX have to be issued to the contractor directly in 25 % increments. The mortgage company wants to hold the check even though it is under the $ XXXX allowance because my mortgage was delinquent one month in XXXX stating they don't want me to run off with the money. They are trying to force me to follow the process for checks over $ 20K wherein its distributed to the contractor in small increments. The biggest dilemma is that NO CONTRACTOR will begin roof work with a $ XXXX down payment ( 25 % ). The mortgage company is telling me that I have to pay the difference up front ( which is anywhere from $ 3k - $ 6K more in down payment to the contractor ) and they will reimburse me once the work is complete. HOW IS THIS FAIR OR LEGAL even though my insurance company has already issued the full payment to them for the repairs, they can not show me this policy in writing anywhere, their representative told me that they do not have this policy in writing anywhere and I am current on my loan now in XXXX? Thus, my roof is still leaking and now mold is beginning to form in my home causing health risks to my family. I've only been delinquent ONCE in three years! I love my home but it is being destroyed every day that it sits like this!
Product: Money transfer, virtual currency, or money service

On XXXX XXXX, 2017, I made two transactions. Both were selling Bitcoin. Both were for the same amount of {$140.00}. I received one deposit to my XXXX XXXX for {$140.00}. I never received the second amount of {$140.00}. I have sent coinbase over 10 emails. I had one replies from bot emails, but not one person has attempted to help fix my issue. I have copies of the transactions, and screenshots also. I have attempted to contact them via XXXX and have received NO replies. I want my {$140.00}. Coinbase has been growing to fast and cutting corners. They claim they have too many people submitting problems, but its been exactly one month and I have yet to have them contact me to resolve my issue.
Product: Mortgage

I had a mortgage with Wells Fargo from XXXX to XXXX. My wife died 4 months after closing. There was an ARM at 7 years that ballooned the payment beyond what I could manage. I made several attempts to refinance at a lower interest rate and was declined each time. I requested assistance to solve it and they said I didnforeclosure. I got behind on payments and they quit accepting money although I was trying in every way to keep paying. I applied for a short sale and simultaneously was accepted and submitted for forclosure. I spent 2 years fighting the foreclosure while pursuing the sale. In the end, I was able to accomplish the short sale 1 month before official foreclosure occurred. They did write off {$400000.00} loss on the home as it had greatly lost value after XXXX. I went through XXXX, got divorced and XXXX near went crazy trying to solve this. I believe they should be made to co.pensate me for that pain and suffering.
Product: Vehicle loan or lease

Dear CFPB Representative, I am writing to formally file a complaint against Toyota Financial Services regarding improper handling of my lease payoff, lack of transparency in payment records, and potential fraudulent practices. 

I leased a XXXX XXXX XXXX in XX/XX/XXXX, with account number XXXX. Between XX/XX/XXXX and XX/XX/XXXX, I made several large payments towards the lease. However, when I attempted to confirm my balance in XXXX, I was unable to obtain a clear and consistent response from Toyota Financial Services. Each representative provided a different answer regarding my total payments and the total cost of the vehicle. 

Due to this inconsistency, I requested a lease payoff in XX/XX/XXXX. I was informed by multiple Toyota Financial agents that upon signing the lease payoff paperwork and submitting a final payment of {$7000.00} ( which is documented in Toyotas system ), my title would be released. Following these instructions, I promptly sent the signed paperwork and the final payoff check. 

It has now been over 45 days since my check was sent, and my Toyota Financial account reflects that the balance is paid off. However, I am now receiving calls from Toy

ota Financial Services claiming that there is an additional balance due before my lease is considered fully paid off. Despite numerous calls with various agents, I have been given conflicting information, and no one has provided a consistent or reasonable explanation.

As far as I am concerned, I have fulfilled my financial obligation based on the lease agreement terms and Toyota Financials explicit instructions. Yet, Toyota Financial continues to withhold my vehicle title and is now attempting to collect additional, unexplained charges. This constitutes deceptive and potentially fraudulent business practices. 


I appreciate your prompt attention to this matter. Please let me know if you require any further documentation. I look forward to your assistance in resolving this issue. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and experian are reporting inaccurate information on my credit profile.
Product: Credit reporting or other personal consumer reports

I received my XXXX XXXX report and Capital One 360 has violated my privacy rights by reporting personal transactions to my XXXX XXXX report. My checking agreement states that they would not sell are give my information to any 3rd party affiliates and XXXX XXXX XXXX is not a part of XXXX XXXX. I counted 44 transactions reported and that's 44 violations that I ' am seeking damages. My account # XXXX
Product: Checking or savings account

On XX/XX/15, I learned of multiple transactions that were unauthorized and made on my Wells Fargo Checking visa debit card. In total there were 15 transactions for a total of {$7500.00}. 

Wells Fargo waited until the last day before having to resolve the claim before issuing any provisional credit if not resolved within 10 business days. 

On the last day, they sent a vague denial without any justification despite the card being issued with Visa XXXX liability protection and in violation of Reg E.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumers Reports and notice that I had XXXX late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XX/XX/XXXXaccount # XXXX XXXX  account # XXXX Please investigate and provide Proof with statements showing that these payments were late. if proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. 

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

The inquiry was made on XX/XX/2018. No loan was secured and no vehicle was purchased. A letter was written to try in have the inquiry removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/2021, XXXX, XXXX  and Transunion as well as the CFO 's of each were cc 'd and provided via Certified mail, a request to the original creditor, XXXX XXXX XXXX XXXX, to provide validation to the allege debt being reported to the credit bureaus see complaint XXXX. Nothing has been provided. However, even though XXXX, XXXX, and Transunion are fully aware that no documentation has been provided to support the validation of account, they have failed to remove the debt. In fact, on XX/XX/2021, XXXX  concluded the debt to be verified by grantor for the third time but has no documentation to support their conclusion and they have concluded prior to receiving any response from XXXX XXXX XXXX XXXX regarding the allege account. ( see attached ) I have also been refused full disclosure of my credit file.
Product: Debt collection

A Creditor Hunter Warfield is on my credit report for a rental I had with 2 other roommates. Each of us had to pay a separate deposit of {$1400.00}. I moved out of the rental from XXXX XXXX XXXXXXXX months before my roommates did. I requested a walk-through from XXXX XXXX XXXXXXXX so that I can get my security deposit back. XXXX XXXX XXXX refused to do a walk-through and would not return my deposit. After the roommates moved out, XXXX XXXX  XXXX conducted a walk-through and charged all of us for normal wear and tear as well as damage we requested to be fixed due to rodents and rats. I requested a Validation of Debt from Hunter Warfield on XX/XX/ and did not receive a Validation of debt until XX/XX/. Hunter Warfield is refusing to remove themselves from my credit report.
Product: Student loan

In XXXX 2014, I filed a complaint against XXXX when the account was referred to XXXX XXXX on XXXX XXXX, 2014. The account number is # XXXX. In their response XXXX XXXX said, " We have notified our client of your concerns and have ceased all collection efforts. " In the last paragraph they stated : '' XXXX has currently discontinued all collection efforts of this account and we have notified our client of your concerns and your desired resolution regarding this account. '' Shortly, after that I received an undated letter in which a copy of two pages from my private student loan application was enclosed. I 've provided this information as attachments below. I 've never received another thing from XXXX XXXX or XXXX XXXX until recently. 

I 'm not sure when the account was referred to Forster & Garbus LLP but as of last week, I have been aware that there is a summons against my mother and me in regards to the XXXX Student Loan. I am named in the suit along with my mother but the digital summons was mailed to my mother 's address. I was never sent anything to my home address in New Jersey yet, I am pretty sure XXXX has my home address on file especially based on the information I provided in my last complaint. 

Of course, since I filed this complaint I 'm pretty sure Forster & Garbus LLP will try to twist everything around to make everything look as it is our fault. I guess because they are lawyers, they think they can coerce anyone and bend the laws in their favor because the average person does not really understand the laws. Believe, I 've been down this road several times so I know the deal! You are not going to tell me it 's okay, to send a summons at another address, out of my jurisdiction, so they can try and place a judgement against me! I do n't think so and I do want to be compensated for this!
Product: Mortgage

XXXX XXXX, Loan # : XXXX Carrington Mortgage Services , LLC XXXX, CA XXXX To Whom it May Concern, I am writing today to complain about Carrington Mortgage and the handling of the COVID-19 Advanced Loan Modification and the COVID-19 Recovery Modification Protections. I was denied for any Protections and said Im not eligible. 
In the Fall, XX/XX/XXXX, I received a letter from Carrington that I would be reviewed for Loss Mitigations Protections and they would notify of their decision, in writing, within 30 calendar days. I never heard back from Carrington. I assumed they were busy during COVID and were behind. I finally called Carrington on XX/XX/XXXX and spoke to an Agent. She was polite, but didnt seem to understand what was happening. She researched this, and stated that they are researching my property title and are behind in paperwork. I waited and finally called Carrington again on XX/XX/XXXX. I asked for a supervisor and spoke to XXXX XXXX, # XXXX. We reviewed my application, and she even discussed with her supervisor, but stated that I cant achieve payment savings because of my loan amount and Im not eligible. She was polite, but stated that Carrington reviewed my application last Fall were it was denied. I waited for 7-8 months to hear about my status. Even on my online account, Carrington listed my status on COVID-19 ALM as Submitted, but no other information. XXXX finally stated that my only option for help was to go through Carringtons traditional Modification process outside of COVID-19. As everyone knows, this requires 5 pages of detailed information about income, assets. Most of these are denied.

The purpose of the COVID-19 ALM and the COVID-19 Recovery Modification was to help millions of Americans during the pandemic to save their home. My financial problems did occur prior to COVID-19 in XX/XX/XXXX. However, I studied FHAs/HUDs Mortgage Letter XXXX dated XX/XX/XXXX. There are 86 pages of multiple options to get a Modification. They do not require any detailed requirements or documents. I would appreciate your help. 
XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX ( XXXX ) XXXX XXXX XXXX
Product: Checking or savings account

I am the executor of my fathers estate I called Fifth Third bank and explained I am out of state and I can not go in person to close my dads account The bank provided no method of closing a deceased persons account besides going to the branch which I can not do
Product: Mortgage

According to the date stamp on photos, as well as data on documents sent to me, which were received by me on XXXX XXXX, 2015, on XXXX XXXX, 2015, XXXX XXXX, a home valuation service, working on behalf of Chase, submitted to Chase falsified documents, stating that my home is vacant. It is my belief that Chase intends to use these documents to speed up the process leading to foreclosure. My home is certainly not vacant, and any XXXX of my neighbors, friends, and relatives are willing to testify to that fact. I respectfully request an independent investigation into Chase and their activities in this regard.
Product: Credit card or prepaid card

This complaint is concerning my CareCredit account. When I had my account created in XXXX 2012 to deal with some emergency XXXX  work that needed to be done, I was not told about the specifics concerning the promotional period I was signed up for. When I asked for specifics, the staff, who explained how to use CareCredit to me orally, were quite unclear and could not explain it. 

Thus, I went into using the card without full knowledge of the deferred interest for promotional periods. I am still paying interest on this procedure, and the interest grows every month.
Product: Debt collection

On XX/XX/XXXX, I received a credit monitoring alert that " American Medical Coll '' had posted a collection to my XXXX XXXX credit report. I called the number listed on my credit report but was unable to reach anyone to verify this debt. 

The presence of this account on my credit report is false and misleading. I would like it removed.
Product: Credit reporting or other personal consumer reports

I just noticed a hard credit inquiry from Revvi Bank on XX/XX/2022. There was no direct benefit or authorization for Revvi Bank to access my personal information.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Debt collection

I was evicted out of a XXXX unit at XXXX XXXX XXXX, XXXX, XXXX XXXX, NY and i paid a deposit of around 11,000. I left the apartment at the 6 month and ongoing charges was accumulating without my acknowledgment. The excess charges are unknown to me. I never signed any document acknowledging the debt.
Product: Debt collection

This Compliant is being sent to CCS in response to a listing on my credit report. A notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ). I never established a contract with this company at all.At this time I will also inform you that if your offices have reported invalidated information to any of the  XXXX  major credit bureaus (  XXXX ,  XXXX  and  XXXX  ) this action might constitute fraud under both Federal and State Laws ) which are in violation of the following : the Fair Credit Reporting Act the Fair Debt Collection Practices Act Defamation of Character I also respectfully request CCS to provide me with competent evidence that I have any legal obligation to pay you.
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am requesting the following verification : 1.Recorded or telephonic conversations.
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2. Any payment methods you have on file indicating that I made payments to CCS company. ( Checks, debts, or money orders payments ) 3. Provide me with a documents with my signature indicating that I agreed to this debt with CCS.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im honestly stumped. Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the one whos initiating these disputes under MY NAME. The following items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be claim constitutes high- risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

XXXX XXXX Date Opened : XX/XX/2019 Balance : {$1700.00}, XXXX XXXX Date Opened : XX/XX/2019 Balance : {$4300.00}, XXXX XXXX XXXX Opened : XX/XX/2019 Balance : {$960.00}.
Product: Checking or savings account

I have a small business account with Bank of America. A representative reached out to me last year, saying they were offering me a FREE check deposit machine, as part of a pilot program that I qualified for. We had one phone conversation. When the machine arrived, it was very clunky and hard to assemble. Once assembled, it didn't work. It wasted my time, so I took it to the XXXX branch in the box and asked that they return it to wherever it came from. I thought then that I was done. But then months later {$15.00} charges started coming out of my account. When I called to query and found out it was for this service that I NEVER activated, they reversed some of the charges. But they kept coming, so I called again and again, and asked that they settle the issue once and for all. So they cancelled the service ( which I never authorized ), and charged me {$250.00}. I spoke to someone a few weeks ago about making sure that gets removed and that I don't hear ANYTHING about this again. The issue has wasted tons and tons of my time and energy, for no reason at all. I'm flabbergasted. Anyway I haven't heard anything back, and really don't want to call yet another time.
Product: Credit reporting or other personal consumer reports

I recently rviewed a copy of my credit report and noticed I had fraudulets accouts in my report.Pleace remove these accouts from my report they are hurting my ability to obtain credit. XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

Final terms of loan were deemed to be predatory lending at 158 % APR and in violation of California usury law AB XXXX. Account was paid in full and closed and listed as re-financed by the lender without my approval and is now appearing on my credit report twice. one showing paid and the other showing written off hurting my credit. I have attached supporting docs and intend to report to the California XXXX XXXX, the FTC and file a lawsuit if not resolved immediately and all reporting on my credit reports deleted. They continue to willfully report and verify the debt to the credit bureaus when I dispute. This is predatory lending at its core.
Product: Credit reporting or other personal consumer reports

Please be advised that as of XXXX XXXX as listed on my most recently reviewed consumer report, there are unverified accounts listed. As a reference, please see the below accounts in question : XXXX XXXX XXXX XXXX XXXX - {$4800.00} I want to be explicitly clear with my request. I am not requesting validation of debt ; but instead, I am requesting verification of the debt. It has become increasingly clear that you are being willfully negligent in rectifying my affairs. Over the past year I have made subsequent attempts to have these accounts reasonably investigated in accordance with both the Fair Credit Reporting Act and Fair Debt Collection Practice Act. Starting 30 days from the day you receive this letter ; I am demanding you furnish the supporting documents and PROBABLE evidence that I have any obligation to the above mentioned accounts. If you are unable to produce said requirements within the generously allotted threshold, by federal law you are required to remove the accounts from my consumer report without prejudice.