23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

I lost my job and was unable to pay the loan. I forgot and never received a letter now they are harassing my family and myself and left XXXX to my brother stating his name and saying he was a compliance officer in a case being filed against me and they are going to appear at my home or job leaving processing and case file and that it was an illegal notification via phone. When I called and told them at this time I was not able to make a payment he told me that they were going to proceed with judgment and my wages were going to be garnished I said I should probably get a lawyer involved he said how do you have money to pay a lawyer and not the debt then he said ok well we 'll see you in court and hung up. When I called the first time they wanted me to pay over XXXX $ for the legal fees then we could set up a payment plan for the rest when I said I could n't afford that he said ok we 'll let the debtor know that we made contact you are refusing to pay and we 'll see you in court and also hung up.
Product: Credit reporting, credit repair services, or other personal consumer reports

Starting XX/XX/2022 I worked with XXXX Mortgage to resolve a missing payment issue. This payment was missing due to the transfer from XXXX Mortgage to XXXX Mortgage in XX/XX/2022. I did not receive a statement specifying where to send payment to XXXX so I continued to pay XXXX. The XXXX payment was lost by the mortgage service provider. I provided mortgage statements, payment history and bank statements to XXXX Mortgage to verify the payments were made on time. The completed their investigation and finally provided a letter on XX/XX/2022 stating the payments were made and their records were updated. They also mentioned that they never reported anything delinquent to my credit report. I investigated my credit reports and found the late status was reported to the bureaus and it affected my score by XXXX points per report. I have requested the bank reverse this information and they told me I need to MAIL a paper copy of my credit report to their XXXX XXXX po box and they would review. This is a completely unacceptable solution and frankly a dangerous one considering the high volume of identity theft. I have attached their letter as proof.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information Reported by LVNV Funding LLC and XXXX Dear Consumer Financial Protection Bureau, My name is XXXX XXXX, and I am writing to formally dispute inaccurate and harmful information reported by LVNV Funding LLC and XXXX, which has caused significant disruptions in my financial stability. 
1. LVNV Funding LLC There are two accounts reported by LVNV Funding LLC on my credit report that are incorrect and need to be removed immediately. These accounts do not belong to me, and their presence on my credit report constitutes a violation of the Fair Credit Reporting Act ( FCRA ). This misinformation has negatively impacted my credit score, rental history, and overall financial standing, creating an undue burden on my life. 
2. XXXX XXXX has placed a block on my name, which has prevented me from opening a bank account. This situation is a major inconvenience, and I believe this block is based on inaccurate or outdated information. I request that this block be reviewed and removed promptly to allow me to access basic financial services. 

I have attached copies of supporting documents, including my credit report highlighting the disputed accounts, any correspondence with LVNV Funding LLC or XXXX, and my identification, to aid in the investigation and resolution of these issues. 

I kindly request the CFPBs assistance in addressing and resolving these matters promptly. The false information on my credit report and the block on my name in XXXX are unjust and need to be corrected without further delay. 

Thank you for your attention to this matter. Please do not hesitate to contact me at XXXX or XXXX if additional information is needed. 

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

I am writing in response to your request regarding my complaint against XXXX XXXX XXXX. Below is a summary of the actions I have taken and the ongoing issues with XXXX XXXXXXXX XXXX handling of my personal information and credit reporting. 

Timeline of Events and Actions Taken : Debt Validation Letter ( XX/XX/XXXX ) : On XX/XX/XXXX, I sent XXXX XXXX XXXX a Debt Validation letter requesting validation of the alleged debt they are attempting to collect. This is my right under the Fair Debt Collection Practices Act ( FDCPA ). The letter explicitly requested that XXXX XXXX XXXX provide verification of the debt, including the original creditor, the amount, and other relevant details. 
No response was received from XXXX XXXX XXXX within the required XXXX period. This lack of response is a violation of my rights under the FDCPA, which mandates that they must provide this validation before continuing any collection activities. 
Cease and Desist Letter ( XX/XX/XXXX ) : On XX/XX/XXXX, I sent a Cease and Desist letter to XXXX XXXX XXXX, demanding that they immediately stop accessing or reporting my personal information to credit bureaus without my consent. 
This letter also reiterated my rights under 15 U.S.C. 1681b ( Fair Credit Reporting Act ), which requires consumer consent before any third party can access or report my credit information. I have not given XXXX XXXX XXXX permission to obtain or report my personal or credit information. 
Despite this request, no response has been received from XXXX XXXX XXXX, and they continue to report inaccurate and unauthorized information on my credit report. 

Key Issues : Unauthorized Access and Reporting : XXXX XXXX XXXX has been reporting on my credit report without my consent. Under 15 U.S.C. 1681b, they are not permitted to obtain my personal information or report it to credit bureaus without my explicit permission. Their actions are not only a violation of my privacy rights but may also constitute identity theft. 
Failure to Respond : Both my Debt Validation letter and my Cease and Desist letter were sent in good faith, requesting that XXXX XXXX XXXX provide the necessary documentation and cease their unauthorized actions. However, as of today, they have failed to respond to either request, which further compounds the violation of my rights. 
Thank you for your attention to this matter. I look forward to your prompt resolution of this complaint and confirmation that XXXX XXXX XXXX is taking the appropriate corrective actions. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

My issue is trying to cash a U.S. Savings bonds that I bought at this institution ( U.S. Bank ) many years ago and now without warning they have suspended cashing of bonds and referred me to TreasuryDirect.gov. The US Bank website says they can provide notary services which is needed in the mail process of cashing bonds over {$1000.00}, but will " temporarily '' not cash U.S. Savings Bonds due to fraud. 

I have been a US Bank customer for 30ish years and have cashed a bond at this institution about a month ago. I went into a U.S. Bank branch in XXXX Missouri on XX/XX/XXXX where I was told they would not accept U.S. Savings Bonds for redemption due to high fraud. The teller then directed me to the TreasuryDirect.gov website. 

It is interesting that on the TreasureDirect.gov site it says cashing is easy as over 95 % of banks cash them ( not US Bank ). I read up on the mail in process at TreasuryDirect.gov then downloaded the form and completed it with the exception of the notary service. On XX/XX/XXXX I went to the U.S. Bank in XXXX Missouri where I was told they do not do notary work on the weekend and I should try UPS. After going to UPS I was not ready to pay a {$10.00} fee for two needed signature notaries. 

This is a major issue when an institution acts as an agent and sells a financial note and then decides they no longer honor the note ( a U.S. Savings Bond should be secure ). I am an older customer and this makes life extremely difficult trying to get access to my retirement funds. After being a customer of US Bank for so many years they should trust me by now and honor the bonds.
Product: Payday loan, title loan, personal loan, or advance loan

I had a vehicle I used as collateral on a loan with OneMain Financial. On XX/XX/year>, my vehicle was stolen and the local police found the vehicle crashed. The incident was reported to OneMain Financial. An insurance claim was filed with XXXX XXXX at that time. Before the insurance check was to be issued, I received from XXXX XXXX that I would have to take the vehicle back into my possession as owner and that the check would not be issued until I signed a notarized document with OneMain Financial releasing them of being a lien holder. I then signed the release and was expecting XXXX XXXX to forward the insurance to me since I at that point became the owner of the vehicle and OneMain Financial was no longer a lien holder. I then received a letter from XXXX  XXXX that indicated that a check in the amount of {$7400.00} was included in the settlement letter. However, no insurance check was present with the letter. Instead XXXX XXXX forwarded the check to OneMain Financial without my permission and preceded to apply it to the loan I had with the company. I have been in communications with XXXX XXXX, as well as OneMain Financial for the better part of a year attempting to get them to return the check of which I was entitled since OneMain Financial was no longer the lien holder. OneMain Financial continues to contact me by phone and also by text in attempt to continue to collect on the debt. I answer the phone calls each time and when a representative answers the phone, they do not inquire about any loan payments, but instead will say nothing over the phone, but just hold the line open and then disconnect. This is a form of harassment for me. They also send me text messages indicating if I have tax refunds to contact them to pay off the loan. I have yet to have any loan amounts owed reported to my credit report. It is as if the loan does not exist. Before the incident with my vehicle being used as collateral with OneMain Financial I was a customer paying my loan payments back in a timely manner. Then OneMain Financial took the insurance check and refuses to return it as they no longer had a lien on my vehicle which did not entitle them to keep the payment, but the insurance arm of the company, XXXX  XXXX diverted the check and sent it to their loan company OneMain Financial without my permission.
Product: Credit reporting or other personal consumer reports

Please remove the accounts on my consumer report. They do not belong to me. 

You do not have permissible purpose to report on my consumer report.. 

15 usc 1681 permissible purpose requires a written authorization to furnish on my report. 

I am Requesting you produce my written document giving you permission to furnish. I want the original copy with my wet ink signature.
Product: Student loan

I have been contacted by Key Bank, employee XXXX XXXX who called my home at XXXX on XXXX/XXXX/15 about a student loan I did not co-sign, for aproximately $ XXXX. XXXX XXXX was very rude, obnoxious and in my opinion used abrasive and harassing language.
Product: Credit card or prepaid card

I noticed my amount due never got much lower so I started to review my statements and found a recurring {$95.00} charge on my statements, called XXXX XXXX. 

I immediately called Citibank who directed me to XXXX XXXX division and the agent was very evasive, told me I signed up for it and they would not refund those fees ( which amount to thousands of dollars at this point ). 

She also said she would send me proof that I signed up, which of course I never received because I never signed up for this. 

After doing some digging, I discovered that this exact product/service was part of unfair and deceptive credit card practices that Citibank got sued for and lost in 2015.

If this has been on my account since prior to 2015 ( which it has ) then I should be refunded. 

Thank you for the help, I feel I have been taken advantage of and victimized.
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 have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In CFPB Filing # XXXX XXXX XXXX XXXX XXXX stated that they CAN summarily make changes to a Mortgage without the PRIMARY signatories signature, by virtue of a Divorce Decree. In the Divorce Decree between myself and XXXX XXXX XXXX is a SPECIAL WARRANTY DEED, which is NOT THE same as a Quit Claim Deed. I have checked this with several Lawyers and even with the FBI. So, instead of fixing the problem, XXXX decides to CLOSE the offending case file, then open a NEW ONE, again without my signature. So, since XXXX XXXX XXXX can not pay on time, it shows up on my credit report. This is getting very tiresome, and this is exactly what XXXX XXXX was fined millions of dollars for, opening accounts without permission from those people. I want this stopped immediately. 

This is their response for Complaint # XXXX : We 've been unable to establish contact with you regarding you concerns about the credit reporting of your account. A Divorce Decree and/or Special Warranty Deed may transfer title to the property, but it does n't affect the original terms of the Note. Since you 're a customer under the Note, we 'll continue to report this account under your name to the consumer reporting agencies. On XXXX XXXX, XXXX, we mailed you a notice that we were making a change to our servicing system. We did not open a new account for your loan, we simply moved your existing account to another servicing system within XXXX XXXX. Effective XXXX XXXX, XXXX, your loan number changed from XXXX to XXXX. The account is currently due for the XXXX XXXX, XXXX payment. 

I have never been contacted with any of this information. Ever. I am willing to submit my home phone number logs ( XXXX XXXX XXXX or my cell phone logs ( XXXX XXXX XXXX as evidence in Federal Court to prove that they never bothered to attempt contact. As I am a XXXX XXXX XXXX XXXX, they have committed a Felony under XXXX XXXX XXXX. XXXX XXXX continually commits the exact same type of Fraud that they were convicted of in Federal Court. Also, they FAIL TO MENTION that they CHANGED the note WITHOUT my signature or consent, their OWN paperwork shows where my SIGNATURE is REQUIRED, yet they changed the NOTE at that point. 

The CFPB seriously needs to investigate this. I have contacted the FBI and HSI concerning this matter. They have BOTH said what XXXX is doing is ILLEGAL yet it does not meet their threshold for prosecutions. The CFPB needs to investigate and prosecute XXXX. XXXX can not have it both ways they can not deem my rights as primary signor null and void, materially modify the terms of the mortgage, and then set up a new mortgage account all the while telling me that I am still responsible for the note that is not the original note that I signed.
Product: Credit reporting or other personal consumer reports

Dear TransUnion, I am writing to bring to your attention a matter of great concern after reviewing my recent credit report obtained on XX/XX/2023 through the authorized channel, XXXX. Upon examination, I have identified inquiries that appear to lack permissible purpose under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically governed by 15 USC 1681b.

As the credit report was obtained through the federally authorized XXXX, I believe that these inquiries may be in violation of the FCRA due to their apparent lack of permissible purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

one Bankruptcy chapter XXXX ( public record ) has been reporting under my equifax credit reporting agency,  this public record is not mine, and no matter how i explain to equifax they would not understand, i have even gone to to the courts and they did not have anything under my name, this is an absolute inaccurate information reporting under my name with equifax credit reporting. i have tried to talk to them every time they are very rude and not helpful, they have not been disputing correctly and each time they say it was verified. i would like to know how they have verified that even the court does not have my information please help me out you r are my last hope, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I reached out to experian to get this now closed account off my credit report they have failed to do so. This accounty was fraudulently opened and they closed & it said it will be removed this account has now been closed for months and it is still showing up on my account its saying a Litigation is pending.
Product: Debt collection

I recently disputed a account from XXXX Bank formerly XXXX XXXX Bank regarding a XXXX Consumer Credit Card # XXXX this credit card was fraudulently opened using my personal information. The Bank investigated the matter then removed the account from my personal credit information And furnished me with a copy of their investigation results. However XXXX XXXX Sold the debt to a Collection agency called Pressler and Pressler LLP of New Jersey and this agency keep harassing me about this debt that has already been resolved with original creditor ( XXXX XXXX Bank ).
Product: Debt collection

I received the following text message stating my account was being locked and instructing me to contact a web link. 

WELLS-FARG0 : Your account has been temporarily locked for security reason. Verify here : XXXX XXXX XXXX XXXX  This is the phone number the message was sent from. ( XXXX ) XXXX. 

We have no financial accounts or contacts with Wells Fargo.
Product: Mortgage

On XXXX XXXX, XXXX my CHXXXX bankruptcy was discharged. As part of that, I signed a modification agreement with CitiMortgage ( who holds my 2nd mortgage ) that set new terms and forgave all my late fees, etc ( the details of this agreement are in the attachment " BK Citi Home Equity Modification.pdf '' ). One of the costs listed in that agreement was attorney and appraisal fees that totaled {$1500.00}. I just needed to pay the {$500.00} per month until the new loan maturity on XXXX/XXXX/XXXX. I made the payments for about a year, and then CitiMortgage sent me a notification that I was delinquent in the loan and had to pay the outstanding balance immediately. They also began sending me mortgage balance statements that showed I was delinquent in paying {$10000.00} for attorneys fees. I assumed since I had signed the modification, that these fees did not apply. They have been sending me these for a couple years now and I noticed that they started adding {$25.00} each month to this delinquency fee. I can not afford to have a lawyer review all this, so I want to find out if I am required to pay the now {$11000.00} delinquency fee or of that was discharge as part of my banruptcy. Please see the attached mortgage statements and delinquency notices.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 U.S. CODE 1692e - False or misleading representations XXXX  XXXX Account Number : XXXX Update to Open/Never late 2. Unpaid balance reported as a loss by credit grantor XXXX Account Number : XXXX Update to Open/Never late 3. 15 U.S. CODE 1692e - False or misleading representations XXXX Account Number : XXXX Update to Open/Never late 4. Unpaid balance reported as a loss by credit grantor XXXX Account Number : XXXX Update to Open/Never late 5. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete from my credit report. 


6. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Delete this account. 


7. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX Account Number : XXXX Delete from my credit report. 


8. there is some inaccurate information reporting XXXX Account Number : XXXX Delete from my credit report. 


9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


11. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


12. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX  Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

Family Education privacy Act of 1974. my school loans should not be reporting on my credit reports. 

15 US Code 1679 ( c ) Disclosure. Under the law any items reporting after 7 years must be removed from your credit report.
Product: Debt collection

Someone got a Credit card in my Name from XXXX XXXX XXXX and they made me have a Balance of {$2200.00} and i want to dispute it. Also they have and Address on the account thats not mine
Product: Credit reporting or other personal consumer reports

I called all XXXX credit bureaus to get the inquiries off of my credit report they told me I had to call the companies i called all of the companies they said they were going to take the hard inquiries that I did not authorize offf i only have XXXX hard inquiries that I used not XXXX - XXXX hard inquiries and i have called multiple times and sent letters multiple times and they are still on all XXXX of the credit bureaus
Product: Credit reporting or other personal consumer reports

I never open an account with XXXX XXXX XXXX and I should not have a inquiry from. XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX  this needs to be removed
Product: Mortgage

We have been trying to work with the mortgage company Mr. Cooper since XX/XX/2019. We are in pending foreclosure. They have not accepted a payment from us since then. We have tried working with them and XXXX XXXX We were still working with Mr Cooper waiting for a decision from XXXX XXXX when the papers were filed for the foreclosure. I feel they didnt really want to work with us and would rather have our family lose our home to foreclosure. We have half the amount due but its climbing daily now because of the lawyer fees being added everyday. They claim the are passing by twice a day here as there are two inspection fees daily. I see there are lots of complaints about this company when you XXXX their name. Can someone please help us?