23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX fraudulently used my nonpublic personal financial information by disclosing said private information to nonaffiliated third parties without my consent. 
I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley Act ( 15 USC 6802 ). XXXX XXXX XXXXXXXX is depriving my rights under the color of law ( 18 USC 242 ). And is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ).

Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to XXXX and EQUIFAX. By way of identity theft, said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).
Product: Debt collection

I XXXX XXXX am in a very difficult financial situation, and I have consulted with a bankruptcy attorney to get direction. It is my decision to avoid filing bankruptcy unless absolutely necessary. Therefore, I am taking an approach that I would consider a Chapter XXXX or Chapter XXXX alternative. Accordingly, I am no longer going to make monthly payments on my excessive credit card debt. I know that over the next 180-days my accounts will reach the legal standard where they will charge-off. Therefore, I want to put on notice with my various creditors the following criteria : 1 ) I request a fully cease and desist from all calls to my home number or cell number immediately. 
2 ) Upon transfer of my accounts either to a debt collector or a debt buyer, I still demand my rights under the Fair Debt Collection Practices Act be enforced, and that the cease and desist request be honored upon transfer. 
3 ) I demand all settlement offers be send through the US Postal Service or to my email address stipulated in the CFPB complaint. 
Please adhere to my request under my right with the Fair Debt Collection Practices Act. 
XXXX XXXX
Product: Mortgage

21st morgage company several times we call our home was never finished for starters there was and still is mold here and there but our roof leaked for 6 months nobody would help anyways ive called to make my payment yes i was late its been very very hard with XXXX  and my bad accident which has left me with a XXXX and neck and back major issues including surgerys now soon XXXX but i call to make payment they fight cuss argue to the point i have to call 5 times in a row and finally they will take payment i also have told them were are having a hard time and asked for relief due to covid really affecting us but no they say we are not backed federally we wont help everytime they have sent 2 notices of intent to forclose when we were only a month behind they bully us constantly and call me names cuss at me refuse our payment among many other issues im going to lose this house if i cant get help or relief then where are me and my children going to live covid has really hurt us in so many ways and 21st morgage are the worst ive ever seen nobody can believe how they talk to us many have heard while im on speaker deny payment and or harrass me until im ready to give up on it all then send harrassing letters 15 days in on being late saying intent to forclose please help
Product: Credit card or prepaid card

On XXXX, I navigated through Chase 's Ultimate Rewards portal and found an offer of XXXX Ultimate Rewards points tied to my Freedom card ending in XXXX if I purchased a {$99.00} annual subscription to the XXXX XXXX. I did so and have not received the promised bonus to date. I tried calling in but was told the request would be forwarded to the appropriate department. 

I tried secure messing Chase letting them know and requesting the points as promised but was rebuffed several times. They claim that while I did visit the portal and make the transaction as recorded on the statement, I did not make the purchase via their portal. This makes no sense whatsoever. 

I'm submitting this complaint having exhausted my options for Chase as they seem intent to not follow through on their promised promotion.
Product: Mortgage

I am writing because the servicer Ocwen continues to violate my rights. I previously filed a complaint with the Bureau of Consumer Financial Protection regarding this issue. 
Ocwen in response to my complaint adjourned the Auction sale date to XXXX XXXX, 2015 pending the out come of their decision on my modification package, only to later inform me that the investor does not allow modifications. 
I then was told to send in another package for a short sale only by XXXX XXXX, 2015, which I did. Once the package was received I was then told that it was to late. 
Moreover, I was informed that my mortgage was being transferred to XXXX loan servicing on XXXX XXXX, 2015. 
Moreover, Ocwen has refused to send me proof of debt or copies of original loan documents. I have been discussing the transaction with someone and I ca n't recall signing any loan docs prohibiting me from modifying my loan. 
I am challenging this debt because as a whole I believe this debt is a fraudulent loan.
Product: Debt collection

I have never done business with this company affirm before but they're reporting to the credit Bureau that I owed them.
Product: Credit reporting or other personal consumer reports

Recently I look at my credit report and noticed several on my account. this account is hurting my ability to obtain credit Its my understanding that -- -XXXX  -- Equifax , will investigate this account for me to ensure accuracy here is the account. I am asking you to verify as accurate : XXXX XXXX XXXX Account number XXXX
Product: Mortgage

I applied for a loan modification with XXXX XXXX XXXX in XXXX, never missed a payment, supplied requested documentation multiple times. They played games and avoided providing the government modification program I was eligible for that provided for $ XXXX {$100000.00} HAMP reduction in principal because I never missed a payment. I attended a XXXX event to push it through at which point B of A said their computers were down and they could not do it, then they immediately sold my loan to Green Tree to avoid modifying my loan. Green Tree did modify the loan, but they failed to provide the government incentive for not missing a payment. This was clearly a Bait and Switch. In at least three recorded phone conversations ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) and one letter XX/XX/XXXX customer service representatives mentioned the incentive to me. Green Tree sold out to diTech. About the time my 5 years of no missed payments occurred and I should have received my incentive reduction from my principal, diTech filed for bankruptcy. I requested my principal reduction and have been denied it stating that I am not eligible. I believe this is fraud and that someone absconded with my government incentive funds. Please investigate and advise. Thank you.
Product: Student loan

Nelnet has been my loan servicer for XXXX groups of Stafford loans that I took out between XX/XX/XXXX-XX/XX/XXXX to pay for medical school. I began paying on my loans XX/XX/XXXX on an income-based repayment plan, because I was counseled by Nelnet that my loans qualified for the public service loan forgiveness ( PSLF ) program and I work in the nonprofit sector of XXXX. I diligently made my payments for six years, renewed my IBR annually, and checked in with Nelnet 1-2x a year to ensure everything was on track. This year, after making 6.5years of payments, I submitted my paperwork to the federal goverment PSLF and was denied on the basis that my loans were not " Direct '' loans as Nelnet had claimed them to be. When I called Nelnet I was told, " The government must have made a mistake, your loans should be eligible. '' When I asked them to look further or talk to a supervisor, they realized that " For six years we had been telling you the wrong information, your loans do not qualify. '' The representative also said, " If you do n't like the answer that you get when you call Nelnet, you should call back and speak to someone else. There are many people here that will say anything to get you off the phone. '' Nelnet made an egregious mistake that will cost me hundred of thousands of dollars. Instead of having my loans resolved in the next 3-4 years ( PSLF requires 10 years of payments/employment ), I am at least 10 years away from having my loans qualify for the PSLF. I am a highly educated, motivated and pro-active person who is feeling the strains of student debt, and I can not imagine how many others that Nelnet has wrongfully counseled regarding incorrect eligibility for PSLF.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX # XXXX XXXX Account name : XXXX XXXX # XXXX XXXX Account name : XXXX XXXX XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX XXXX  has violated my rights. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2020 I wanted to start building my credit and XXXX XXXX XXXX  I noticed a collections account my credit report that does not belong to me. I immediately disputed this, put a security freeze and fraud alert on my credit report. I ordered a copy of my credit report and noticed my middle name was spelled incorrectly and there was a phone number on my report that does not belong to me. I filed an identity theft report with the FTC. XXXX  removed the collections. Experian refuses to remove the fraudulent collections account from my credit report. I believe Experian is violating the fair credit reporting act. I have been trying to dispute this account for nearly a year. I have filed three identity theft reports, made at least five disputes, contacted the Washington State Attorney General, XXXX, and my local police department. Experian refuses to remove this debt and I am not sure what else I can do.
Product: Credit card or prepaid card

I have a XXXX XXXX Visa credit card which is owned by Citigroup I called them last month to make a payment to my account I asked the representative how much I still owed in order to know how much to pay. The representative gave me the amount that I still owed. 

I then asked the representative to use my Bank XXXX XXXX account to pay XXXX I have two accounts linked with them. I have a Bank XXXX XXXX account as well as a XXXX XXXX XXXX account. 

A week later I noticed three 32 dollar overdraft charges on my XXXX XXXX XXXX account and realized that the agent must have mistakenly used that account instead of the Bank XXXX XXXX account I requested him to use. 

When I called XXXX XXXX Visa to tell them about the error and to request that they reimburse me for the associated fees and interest charges they asked me to send them a copy of a statement showing the fees. I faxed them a copy. 

When I just called them back to follow up with this issue I was told an investigation was done and they determined they did not make any error in processing the payment. I told them this was a mistake and that the recording of the call would be proof of me telling the agent to use the Bank XXXX XXXX account and not the XXXX XXXX XXXX. When I asked to hear the call they refused and said the only way would be to get a lawyer and subpoena the call. 

I can not afford to do this so I am not sure what I can do at this point but I know I gave them the correct information.
Product: Vehicle loan or lease

I had traded in my leased BMW vehicle, a XXXX XXXX XXXX XXXX, to a XXXX dealership on XX/XX/XXXX when I purchased another car. On that same day, I had requested and received a payoff letter from BMW Financial Services showing a payoff amount of {$27000.00}, specifying that it may be titled to the original lessee ( me ) or a " licensed automobile retailer ''. This payoff amount was listed as being valid until XX/XX/XXXX, and I have attached this letter to this complaint. 

I traded in the car to XXXX XXXX of XXXX, which is a dealership licensed in the state of California for retail car sales. XXXX sent funds in the amount of {$28000.00} to BMW Financial Services ( they had obtained a payoff {$1000.00} higher than the one sent to us ). This payment was received and processed by BMW Financial Services on XX/XX/XXXX. 

On XX/XX/XXXX, I received a letter from BMW Financial Services stating that there was a balance of {$5000.00} on the vehicle, and that the payoff was actually {$33000.00}. This is not what their original payoff letter on XX/XX/XXXX stated, nor is it the payoff amount that the XXXX dealer obtained prior to mailing the payoff funds to BMW.

Upon calling BMW, they stated that there was a {$6000.00} discount applied to the direct customer purchase of the vehicle. As is clear in all payoff documentation that we have received, this was never specified, implied, explained, nor stipulated in any way whatsoever. This also does not explain the different dealer payoff amount that was obtained by the dealer which payed off the vehicle. Again, the only stipulation mentioned anywhere in the payoff letter provided to us is on page ( 3 ) of the attached payoff letter in which they state " Due to state regulations, the title can only be transferred to the original lessee or licensed automobile retailer. ''
Product: Credit reporting or other personal consumer reports

I am writing to formally report and request the removal of fraudulent items from my credit report, which are inaccurately reflecting my credit history due to identity theft. I have thoroughly reviewed my credit report from your agency and have identified instances of fraudulent reporting that I believe require immediate attention and rectification. It has come to my attention that I have been a victim of identity theft, and the reported fraudulent items are a result of this criminal activity. I request your urgent assistance in investigating and rectifying this fraudulent activity on my credit report, in accordance with the Fair Credit Reporting Act. I kindly request the removal of the fraudulent items associated with the mentioned items, as it is negatively affecting my credit history and financial well - being. Kindly help me remove the following items immediately : XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Owed : {$2300.00} ; XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance Owed : {$3000.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Owed : {$2300.00} ; XXXX XXXX Balance Owed : {$1900.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX H XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX ; XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX Owed : {$2300.00} ; XXXX XXXX Balance Owed : {$1900.00} ; XXXX XX/XX/XXXX ; L XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Debt collection

information on my credit report is wrong, this account is showing up on my report, XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX, GAXXXX ( XXXX ) XXXX, this information is false, and is not mine. Please block remove or delete this account.XXXX  XXXX  XXXX  XXXX  XXXX   XXXX  XXXX  XXXX , GAXXXX ( XXXX ) XXXX, from, my Transunion report
Product: Debt collection

This is an update and another complaint of harassment since they continue to harass my wife and me. They have now called the number XXXX XXXX times today, on XX/XX/XXXX, from XXXX. 

See prior solicitation as well : **Documented Calls from XXXX XXXX XXXX XXXX have received MULTIPLE calls ( XXXX a day ) from the following numbers on these dates : - XXXX : - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - Additional calls on XX/XX/XXXX, and XX/XX/XXXX - XXXX : - Multiple calls on XX/XX/XXXX, and XX/XX/XXXX - A call on XX/XX/XXXX - XXXX : - Multiple calls on XX/XX/XXXX, and XX/XX/XXXX - Multiple calls on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX - Additional calls on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - XXXX : - Multiple calls on XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX The attached audio is from a phone call where I reached out to Hyundai Motor Finance at XXXX after they called the phone number of XXXX XXXX XXXX Talking to the person on the other line ( name pronounced XXXX XXXX XXXX Customer Account XXXX XXXX asked for confirmation that they would stop calling and they hung up the phone call. Then Hyundai Motor Finance proceeded to STILL call the phone number of XXXX an hour later at appx. XXXX PST
Product: Credit card

Chase bank contacted me about a credit card application in my name. The application was submitted on line on XX/XX/year>. Th person submitting the application was identified as XXXX XXXX, XXXX XXXX XXXX, XXXX, TX XXXX, phone XXXX XXXX XXXX ( phone is disconnected ). I told the Chase representative that I did not approve this application. He canceled the application and referred me to Consumer Financial Protection Bureau. I do not know XXXX XXXX and have not been to XXXX in the last 21 years.
Product: Credit reporting or other personal consumer reports

I am writing to complain to EXPERIAN about the reported unauthorized inquiries on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX, and my name is XXXX XXXX XXXX. My birthdate is XX/XX/1971. The FTC report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.
Product: Credit reporting or other personal consumer reports

I have unauthorized accounts and inquiries on my credit report. This is against my consumer rights and I feel like I am being taken advantage of.
Product: Credit reporting or other personal consumer reports

- XX/XX/XXXX, I called XXXX  XXXX XXXX and found there were XXXX fraudulent XXXX  XXXX XXXX 's accounts, checking and saving, of opened in my name. It's ID Theft, and I was asked to report it to the Policy department. 
- XX/XX/XXXX, I filed an FTC report, XXXX, https : //www.identitytheft.gov/ # /account/login - XX/XX/XXXX, Called XXXX  Fraud department, XXXX, to report fraudulent accounts, XXXX  Claim numbers : XXXX an XXXX. 
- XX/XX/XXXX, Mailed the required documents to XXXX  Fraud department. 
- XX/XX/XXXX, Got the police report with the hidden information about the information of the theft. 
- XX/XX/XXXX, Received a letter with the investigation results from XXXX  - XX/XX/XXXX, Called XXXX  Fraud Department with XXXX, XXXX XXXX XXXX. I was asked to fax my questions with the claim numbers to XXXX and your preference of reply. 
- XX/XX/XXXX, Called XXXX Fraud Department with XXXX, and was asked to fax XXXX to request cases reopen and records. 
- XX/XX/XXXX, Fax 6 pages to XXXX. 
- XX/XX/XXXX, Called XXXX, XXXX said both cases were closed because they didnt receive the FAX. XXXX  re-open the cases, and will communicate by mail. 
- XX/XX/XXXX, Called XXXX  with XXXX for XXXX  Claim numbers : XXXX an XXXX, and XXXX  said both claims were not re-opened for further investigations. Both accounts were closed. The representative submitted the re-open request to the analysis team and need another XXXX business days. 
- XX/XX/XXXX, Called XXXX  with XXXX, and was asked to send my request to the Care specialist, XXXX, because she can help me with my request. 
- Since the specialist can't help, XXXX and I called XXXX to request the documents. 
- XX/XX/XXXX, Received documents with the resolution results from XXXX via the wrong email address, XXXX. 
- XX/XX/XXXX, XXXX and I called XXXX to request the bank statements, account application form, identity used and power of attorney. 
- XX/XX/XXXX, Called XXXX  and was told that XXXX form was requested. 

I haven't received the requested documents, bank account application forms, identity used, and power of attorney. XXXX and I have called XXXX  to request documents since XX/XX/XXXX. We called XXXX on XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, but XXXX doesn't give me the documents about account application forms, identity used and power of attorney.
Product: Checking or savings account

I received an email from Chime saying they had closed my checking, savings, and credit building accounts, giving me no reason and no explanation to what would happen to my money. When I called the automated message merely stated that my account had been closed and that I was not able to find assistance through them but to email XXXX so I did. They responded saying they couldnt tell me why it was closed and that I might only potentislly retain my moneys that was stored in my 3 accounts if I sent them my Id and proof of address and any other documents concerning load from the accounts. I did and they didnt respond ... I told them I was going to get legal with them and still nothing. Theyre email support team is 24/7