23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Time Share forcing in signing contract an not letting us to recede. 
Everything pertaining sent back as certified which all copies of letters were copied. Because the letter was post marked late which was not even 24 hours there not canceling the contract. 
XXXX companys are not responsive in returning calls or letters, or faxes. 
Yesterday XXXX/XXXX/16 the Bank is refusing the Recession we 're held responsible for contract payments. 
Asked if company 's requesting in canceling as the reply was No. 
Explained that we 're not paying as I done everything they asked to support this case, XXXX company 's were sent letters, fax 's, and e mails. 
Asked Barclay being the 3rd party if they could help in the matter, and refused! 
Both have opened case # referencing above. 
Pretty much feel like being forced in doing something of which we had on intensions of doing, and while were XXXX XXXX XXXX and on SS we were XXXX victimized.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) - Account # 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 a account without my written instructions. 

This company is reporting a fraud collection to my account. I already spoke to original creditor and they can not verify its my account. I have never opened an account with the original creditor. This account needs to be removed immediately by law.
Product: Credit reporting or other personal consumer reports

These accounts were illegally opened in my name without my consent or knowledge. I have tried to contact these companies multiple times to no avail. Please REMOVE these IILEGAL items off my credit report. Thank You! 

XXXX XXXX XXXX Balance {$140.00} Acct Number XXXX Date opened XXXX XXXX, 2020 XXXX XXXX Balance {$150.00} Acct Number -- - Date opened XX/XX/2020 XXXX XXXX XXXX Balance {$57.00} Acct Number XXXX Date opened XXXX XXXX XXXX XXXX XXXX XXXX Balance {$13.00} Acct Number XXXX Date opened XXXX XXXX, 2020
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to an XXXX data breach my personal identity was compromised and thus, stolen and use in a number of fraudulent ways. As a result, I have a large number of fraudulent accounts being negatively reported the three primary credit reporting agencies. I have done nearly everything in my power to have the information removed and/or corrected on my credit report. However, the big businesses ( Experian, XXXX and XXXX ) have totally ignored the law as it relates to their responsibility to ensure that the federal laws are being followed when reporting consumers information. Much of what they are reporting on my behalf is either totally wrong, fraudulent or a violation of federal law that clearly indicate what can be reported and how it should be reported. After, numerous attempts to have the above agencies correct all that is in error on my credit report they have refused to follow the federal laws that govern how they do business. Thus, leaving me and my family in a unjust situation when it comes to living the American Dream. My request is that the credit agencies investigate as they should and not just return a response of account validated. Given the fact that once your identity has been stolen or compromised the individuals committing the fraud has all of your information. Therefore, the account may appear to be valid. However, if they do not validate my personal signature and present a signed contract, they have no way of truly validating the said information. Therefore, I humbly request that you assure that the credit reporting agencies are providing the fairest service that will ensure that my credit file is being report correctly without the said fraudulent information and ignorance of federal law. 

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

I have disputed the same reporting errors on my credit bureau account with Experian and XXXX  more than 5 times each. In addition, I have sent in written documentation by mail to both credit bureaus for name and address discrepancies and to request an investigation on items that are in error. 

Investigations were not completed as promised, investigation and dispute dates where change every time that I called, the dispute dates/ investigations were not carried out to the fully completion dates, and I wasn't provided the documentation that was requested. 

I sent a copy of my social card and disputing letters by certified mail back in XX/XX/2019 by certified mail, and I have called and disputed the same items since XX/XX/2019 and now it is the end of XX/XX/2019 and nothing has been corrected. Currently the same items are in a new dispute as of last week. 

The credit bureau has failed to correct my personal information on my credit bureau reports including my name and address, in addition to, failing to provide documentation that I have requested to proved that the items disputed are true, indeed my accounts. 

I have contacted the companies in question that are on my credit bureau report and they can not provide written documentation to proved that the accounts are mine because I do not have accounts with their company ( s ). 

You are my last result other than pursuing legal action against the two credit bureaus. 

Please help!!
Product: Debt collection

I have an account with AllianceOne collection agency. I tried to contact them multiple times in XX/XX/2021 in regards to an upcoming payment I wanted to push back a few days until my next payday. When you call the number on the bill they provide it says you must leave a voicemail and someone would return the call. I left messages several days in a row, to no response. I then went on their website and filled out a " contact us '' form in hopes between leaving messages through voicemail and leaving messages online someone would contact me. Up til now I still have not received any type of correspondences from AllianceOne. My payment was still processed as normal via automatic payments although I requested via voicemail and online NOT to submit my payment. This month I received a letter from a different collection agency saying they are taking over the account so I've been again, trying to contact AllianceOne to ensure my automatic payments are stopped since I now have to set up arrangements with a new company. Same issue this month, no answer to the number on their bill, I again, submitted an online request for someone to contact me ( even selected they can contact me via e-mail and/or phone ). Still no response. The phone number on the bill they advise you to contact is XXXX. My attempts at reaching the company are as follows : 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: Consumer Loan

I had an old 0 % loan on my Discover credit card for the life of the loan. Its balance was about {$1400.00}. On XXXX XXXX, 2016 I mistakenly made a {$5000.00} 0 % transfer loan on my Discover card also. Four days later I discovered my mistake and paid {$5500.00} to repay that {$5000.00} plus the transfer fee and a bit extra on the old loan. I was told that Discover, " at their discretion '' chose to pay the smaller 0 % loan that was for life of the loan instead of the larger 0 % loan that was due sooner. That is not right. Extra payments are to go to the loan that is due sooner.
Product: Credit reporting, credit repair services, 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. 

1 : Account Name XXXX XXXX # XXXX 2 : Account Name XXXX XXXX # XXXX XXXX : Account Name XXXX XXXX  # XXXX XXXX : Account Name XXXX  XXXX # XXXX XXXX : Account Name XXXX  XXXX # XXXX XXXX XXXX XXXX XXXX : Account Name XXXX  XXXX # XXXX XXXX : Account Name XXXX  XXXX last four # XXXX XXXX XXXX Account Name XXXX XXXX  last Four # XXXX 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 a account without my writter 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convIctions of crimes which antedates the report by more than seven years 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: Debt collection

This company keep calling y phone from different numbers telling me i owe them the amount of {$790.00}. I told them i never heard of they company nor have i ever did business with they company and the refuse to listen and continue to harass me. Law 15 usc 1692c clearly states, Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Product: Consumer Loan

I HAVE A LINE OF CREDIT THAT I GOT XX/XX/XXXX TO FIX MY HOUSE - THE LINE OF CREDIT WAS THRU ONE BANK AND SUBSEQUENTLY SOLD TO ANOTHER BANK. 

NATION STAR HAS SCAMMED ME AND TOOK MONEY FROM ME. 

NATION STAR IS REFUSING TO GIVE ME THE COPIES OF THE CHECKS THAT SHOW WHAT I TOOK OUT AGAINST THE LINE OF CREDIT. 
THE ORIGINAL LINE WAS FOR $ XXXX I ONLY USED {$30000.00} TO FIX MY FOUNDATION - WHEN MY HUSBAND DIED ( XX/XX/XXXX ) THE BALANCE WAS ONLY {$27000.00} + INTEREST. THE PAYMENT INCREASED DRASTICALLY I NOTICED THAT THE BILL WAS DOUBLED. I ASKED MY DAUGHTER TO HELP ME GET THE INFORMATION THE BANK IS REFUSING TO SHOW ME MY CHECKS TO PROVE THAT I TOOK AND USED THE WHOLE {$60000.00}. 
I THINK SOMEONE IN THE BANK TOOK MY MONEY AND IS MAKING ME PAY ALL OF THE MONEY BACK -THAT IS WHY THEY DONT WANT TO SHOW ME.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the amount of {$3400.00} dollars my credit was used unlawfully by someone using a XXXX credit card approximately on the month of XX/XX/2018. 

On the day XX/XX/2018 I got my credit history and I found the problem. 

Please take action on this matter please.
Product: Mortgage

The issue is related to escrow management. The loan Servicer " Fay Serving LLC '' is not managing the escrow account for insurance payments and coverage correctly causing cancellation and continuously placing lender place insurance causing the mortgage payment to be unnecessarily expensive. 6 months after the refinance they failed to pay the insurance premium causing cancellation. When I was notified about the cancellation I immediately got insurance through XXXX XXXX which was an affiliate and also a scam. For several months Fay servicing sent letters and placed lender insurance even though I was using their affiliate. Finally they corrected the problem. I renewed again in XXXX  with their affiliate and they told me that I still did not have insurance so I cancelled with their affiliate and switched to a different company 6 months later they are still telling me I do not have insurance. The payment as gone from {$2200.00} to {$3800.00} to {$6800.00}. They are trying to make me default on the loan so the investors can capitalize. They give responses saying all the units are not insured but the insurance provides coverage for all buildings, common areas, units etc. ( anything at the address on the deed which is 2 building ). They only want the units covered but everything at the address has to be covered. The units are not stand alone.
Product: Credit reporting, credit repair services, or other personal consumer reports

there are several accounts that I have tried numerous of times to get corrected on my credit report and they keep coming back as verified however they are still reporting incorrect. I have requested that they provide information on how these are being verified and I have no results. I have disputed them again but I need help. 

1. XXXX XXXX amount of {$800.00} and {$3100.00} -- I do not owe this I have never lived at this address associated with the account. I never lived at XXXX XXXX XXXX, never had an electric bill there the address nothing ties me to this place and does not even show up on my credit report. 

2. XXXX XXXX -- first the date says opened XX/XX/XXXX, I did not live in XXXX I have lived in XXXX Florida Since XX/XX/XXXX. In addition the original creditor on this was XXXX a small company in XXXX, this account was paid in full many years ago. it was for furniture. I do not owe this debt and don't know why it's in collection this was paid and closed with the original creditor. 

3. XXXX -- Showing open date of XX/XX/XXXX, I did not open any accounts in or around this time. the original creditor on this was XXXX and I opened account with them in around XXXX, or XXXX but most importantly I purchased extra insurance to pay the account in case of unforeseen issues. which I lost my job in XXXX and the insurance company paid this account in full. I do not owe this debt. I have explained this numerous of times but they are failing to remove and I have asked they provide me with documentation to verify the debt and have been unsuccessful.
Product: Mortgage

My wife,   XXXX   XXXX   has two mortgages with Ocwen Mortgage. One is on our residence,   XXXX   XXXX   XXXX  .   XXXX   XXXX  , NV  XXXX  ( loan #  XXXX  ) and the second is on a rental property at   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX  , NV  XXXX  ( loan #   XXXX   ). My wife is current on both mortgages, never having even been late. In  XX/XX/XXXX , we learned of a judgement settlement from  XX/XX/XXXX  in which Ocwen was required to provide principal reductions to underwater homeowners and that Ocwen was required to contact those borrowers. Both of my wife 's mortgages were underwater, but Ocwen never contacted us. We wrote to Ocwen in  XX/XX/XXXX , and have had a plenitude of exchanges with them since then. We have saved all the paperwork, and have taken contemporaneous notes during telephone exchanges. We have cc 'd many of our letters to the Office of Consumer Ombudsman, the U.S. District Court for the District of Columbia, the Nevada Attorney General 's Office and you, the Consumer Financial Protection Bureau..
We jumped through all the refinancing/modification hoops with Ocwen, and, in the end, the only solutions they offered us were short sale or foreclosure. The primary residence is currently valued at about 420K, while the outstanding mortgage is   XXXX   ; the rental property is similarly underwater.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I attempted to open a savings account at XXXX XXXX XXXX XXXX XXXX  in XXXX Calif and was denied due to a Fraud Ring Activity Alert on file with the 3 credit bureaus Experian, XXXX and XXXX. This fraud alert was placed on my profile by XXXX  XXXX XXXX on XX/XX/XXXX and I was reported to XXXX XXXX   who sent me a letter on XX/XX/XXXX notifying me that they have removed this information from my file as a result of my Bankruptcy discharge. I have attached supporting documentation with this dispute
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to cosign for my mom a new vehicle, and the car salesman told me my credit score was low. I told him to show me my score and report. There are items on my credit that do not belong to me. These items need to be removed. 

XXXX XXXX XXXX XXXX XXXX {$400.00} XXXX XXXX XXXX   XXXX XXXX {$180.00} XXXX XXXX XXXX XXXX XXXX {$150.00} XXXX   XXXX XXXX XXXX XXXX {$71.00} XXXX XXXX XXXX XXXX XXXX XXXX {$60.00} XXXX XXXX XXXX XXXX {$400.00} XXXX XXXX XXXX XXXX-XXXXXXXXXXXXXXX {$60000.00} XXXX XXXX {$250.00} XXXX XXXX XXXX   XXXX {$600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke to XXXX XXXX XXXX  about settling an account that is on my credit report ( Account # XXXX ) to my surprise I was told that they do not own the account or have anything to do with said account any more they sold the account to Client Services but they are still reporting a Balance XXXX and payment history every month. I am requesting this information be corrected or the trade line deleted. 

I sent in dispute letters to all three credit reporting agency 's via certified mail on XX/XX/2020. I am yet to hear a response
Product: Debt collection

I contacted equifax regarding false information that has been reported to my credit report, i also reported the issue to the Cfpb, and it had been bought to my attention that it was reported regarindg my address and phone calls that were made stating they were me, i have ask for photo copies, and information. XXXX has the wrong information, your company stated they spoke to me and had my address, I live at XXXX XXXX XXXX, and not XXXX XXXX. i had not received. ive ask for information even regarding your investigation. I would like this to be removed off my credit.
Product: Vehicle loan or lease

My truck is and has been paid every month. I have copys of confirmation numbers for each payment along with the date. In XX/XX/2022 after providing proof of payment history to the lender and credit reporting companies ally continued to say I owed about 4 payments ( even though I gave proof of payments from the start of the loan ) I requested several times my letters of extension during COVID just so I could match up my payments with extension and that my loan was not past due all along being changed interest, late fees and misc charges. I disputed the account information and payment information more than 4 times. All along killing my credit from on time payments % about 96 % to less than 80 % making it impossible to refinance it and make a home purchase. Not one person or company can explain. I decided to make 4 payments + in XX/XX/2022 just to get the account updated thinking it would give me time to get this loan corrected with out any further damage to my credit. And have continued to make my payment every month. This company has now managed to make a past due amount of almost {$2000.00} again exactly what happened in XXXX. Again copys of every payment every month being made and has never corrected my credit reports from the last time.
Product: Checking or savings account

I am filing this complaint against Citibank, I received a grant from the Small Business Administration due to the COVID pandemic. The money was deposited into Citibank and they closed the account. I have provided all the requested proof they requested concerning where the money originated from and Citibank has refused to cooperate with me to have access to my funds. I contacted Citibank and they will not talk to me about this problem, and it has been ongoing since XX/XX/2020. The total amount of the money is {$15000.00}. A deposit of {$5000.00} in early XXXX and a second deposit of {$10000.00} on XX/XX/2020. The account number is as follows : XXXX. XXXX XXXX, is the name on the above account, and my email is as follows XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do NOT have any requisite OTHER NAMES, ADDRESSES, SSNs or DOBs and I do NOT desire any OTHER personal information to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. XXXX XXXX - Account Number : XXXX This account is on my credit report as a result of fraud. Please remove this account on my credit report as I have already filed a police report and identity theft affidavit to alert the proper authorities.
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information for the first time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these accounts ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXXXXXX Balance : {$3700.00} XXXX XXXXXXXX Balance : {$2200.00}
Product: Mortgage

I fell behind with my mortgage company Amerisave due to long XXXX  I received a call from a company stating they were with Amerisave and would work with me through their hardship program .I paid XXXX dollars turn out this company was a fraud. Amerisave use XXXXXXXX XXXX XXXXXXXX XXXX XXXX  the have processed a foreclosures and auction off the house with out me being aware of it they also have issued a padlocking on the property for XX/XX/. This was the only notice I received they claimed they sent notices but no proof.I have a child with XXXX and a dog. I in the home 6 years prier to refinancing through amerisave I had the home build from the ground up.I contacted XXXXXXXX XXXX XXXXXXXX for and extention so I can find a place for my child and I .they also stated that they offered cash for keys never received anything of the sort.
Product: Credit reporting or other personal consumer reports

FCRA Violations Hippa Violations not mine XXXX XXXX XXXX  Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX not my addresses XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX type Apartment complex XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX type Single family XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Resident type Single family XXXX XXXX XXXX XXXX, XXXX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Resident type Single family XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXXXXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX type Apartment complex not my phone numbers XXXX XXXX not my XXXX places XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX not my name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX not my inquiries XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX
Product: Debt collection

This account is reflecting on my credit report and is a result of my identity being compromised and used in multiple data breaches. It is also a charge off and the reporting agency has violated my rights per the consumer credit/finance laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, Sofi, and XXXX XXXX bank posts late payments on credit report on a consistent basis when debt has been paid off years ago, I have contacted each company and disputed through credit bureaus multiple times within the past years, Im sure the debt is past the statue of limitations, I want the late payments removed from my credit report. The debts were paid, Why do they keep posting late payments to credit report?