23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX   XXXX  with  OFG LLC,   XXXX , contacted my mother asking her to have me call. I called inquiring what this was about and advised I was at work, so this needed to be quick or I could callback later.  XXXX   XXXX  stated I took out a loan with  XXXX   XXXX  and I needed to either pay in full or make payment arraignments. I explained I filed for bankruptcy, he stated this debt was not included. I again explained I was at work and told him he has my address, he can mail me the information he has because to date I have received no calls or mail about this debt. I also asked for no phone calls at all and only contac t via USPS. Thi s is when he stated in a threatening tone, he has a job to do and will just do his job. I would like to receive documentation and proof of the debt, this seemed to anger  XXXX   XXXX . I also will not be bullied until a payment arraignment without verifying a debt and can not understand why this is an issue for  XXXX   XXXX   XXXX  and  OFG LLC.
Product: Mortgage

It is apparent to me and my family now that Nationstar mortgage will never investigate this issue.
Product: Debt collection

Robo-signing '' is a term used by consumer advocates to describe the robotic process of the mass production of false and forged execution of mortgage assignments, satisfactions, affidavits, and other legal documents related to mortgage foreclosures and legal matters being created by persons without knowledge of the facts being attested to. It also includes accusations of notary fraud wherein the notaries pre- and/or post-notarize the affidavits and signatures of so-called robo-signers. I am alleging both XXXX XXXX XXXX  ( XXXX  ) and HSBC ( Beneficial ) has executed not only a false mortgage assignment, but a forged mortgage assignment as well. Forgery : Although HSBC did not allegedly file this mortgage assignment, they are culpable due to the fact they authorized XXXX as their attorney in fact ; according to the documentation XXXX provided. Either they did or did not authorize XXXX as an attorney in fact. If they did, they are culpable. I would like written confirmation from HSBC stating in the affirmative the fact they did or did not authorize XXXX as attorney in fact for the AOM filed on XX/XX/XXXX. Notice the signature on the XX/XX/XXXX AOM by XXXX XXXX compared to two other documents used to verify XXXX XXXX notary signature. The difference is remarkable and overwhelmingly substantiates forgery. Falseification : Notice the property address listed in the XX/XX/XXXX XXXX ( listed as XXXX XXXX, XXXX, NY XXXX ). This is different than the actual property address contained in the mortgage dated XX/XX/XXXX, Instrument # XXXX XXXX references in the XX/XX/XXXX AOM. The actual address is unknown as it is not listed in the mortgage document referenced by XXXX. However, the address listed in the security agreement is XXXX XXXX XXXX New York XXXX. The security agreement also states, You are giving us a security interest in the real estate located at the above address. Also, the legal description codified in the document is not the legal description of my deceased parents home location. In addition, the dollar amount referenced in the XX/XX/XXXX AOM is inaccurate compared to Instrument # XXXX. All the above constitutes falsification. Both XXXX and HSBC are aware of these fraudulent actions, however, they both have chosen to ignore the clear and accurate documentation I have provided on numerous occasions. I demand a thorough investigation conducted by a third party other than XXXX or HSBC, as it is evident they lack the integrity in their ability to investigate these matters independently.
Product: Credit reporting, credit repair services, or other personal consumer reports

submitted XXXX written requests for verification of an account.i continue to receive notices that account is verified which have not been shown to me how " verified '
Product: Checking or savings account

I received a couple checks as payment for a job. Before I accept the payment i called the banks owner of the check and verified that the payment was legitimate. I also asked the customer to see there ID. 1 out of the three cleared, and now Wells Fargo is faulsly accusing me of giving a fake check.
Product: Bank account or service

On XX/XX/XXXX I notified my bank that check # XXXX {$1300.00} was endorsed by someone other than XXXX XXXX. XXXX XXXX and I called XXXX XXXX XXXX. When we got no response or cooperation from them I filed a complaint against them with CFP # XXXX. I was then contacted by BofA and was told to file a claim with my bank, which I did. Not XXXX but XXXX because the first person did n't do it correctly. On XX/XX/XXXX Chase sent me a letter stating that they received my affidavit and was told that it could take 30-90 days. On XX/XX/XXXX I called Chase and spoke to someone called XXXX and spent XXXX min. trying to get the status and to speak with a supervisor. None was available except that they were waiting for BofA to respond. I then filed another complaint against XXXX # XXXX and was once again informed by BofA that they were waiting for Chase to contact them. Today I went to a Chase branch and after having expressed my frustration to a CSR, She called the Fraud department and she became frustrated when she was informed that there was no manager available. She was given the same story about it going through a process. She was trying to inform XXXX that it has now been 4 months and it should not have taken so long especially when XXXX stated that they were waiting for Chase to contact them. I now want to filed a complaint against Chase Bank XXXX investigation for following through with proper procedure in a timely matter with my claim # XXXX. Four months is a long time to wait for something that was complied with on my part for all parties involved. Chase Bank has been negligent to expedite my claim in a timely manner.
Product: Checking or savings account

I have been having issues with my bank, which is Chase, regarding someone else stealing my identity and writing checks and withdrawing money at a branch in person pretending to be me. The first time happened with a check that was written for XXXX $ ( I have a picture of it ) I did all that is needed to recover that money and I got my money back. So I went to a branch in person to ask them to restrict my account and open a new one, which it happened. I asked the banker if he could tell me if the check of the picture is real, and he said yes. He was able to see that someone got checks in a branch in XXXX, CA. He explained me about impersonation which I might have understood why the check was provided to that person. Everything was okay until a similar situation happened last week with a higher amount. 
I noticed that XXXX $ was withdrawn from my checking account. So, I did the same thing we are told to do : call the bank, report fraud, and I was able to get my money back. I asked the representative on the phone if she could tell me how and where this happened, She was able to check and told me that it was a withdrawal made with a banker in a branch here in XXXX. She gave me the address so I can go ask, and I did it. I went to the branch and asked to speak to the manager who was on lunch at that time. I was really upset because anyone can clearly notice the signature on my ID is completely different from the signature of the withdrawal. I asked for the banker 's name who wrote that paper. They refused to give me the name of the banker for " security purposes. '' I understood that, but what about my security purposes? What kind of banker works there that they do not check the signature in the ID and the one that person signed at that moment? They only told me I have to wait until the fraud department do the investigation. I needed the money at that moment because I had to pay the bills. The branch where my money was given away to others is located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX. 
After going through those moments where I had to miss work to try to solve my issue, I decided to close out my account with Chase completely. 
I would like the company to train their people better and get better ways of identity. Please, do something for me so other people do not go through the same XXXX I went through.
Product: Debt collection

I received a notice of intent to sue and incur costs letter from mandarich law group llp.. I had to respond by XX/XX/XXXX ... I called then XX/XX/XXXX ( date ingot the letter ) via my lawyer, that I could make a payment of {$350.00} on XX/XX/XXXX, and a payment arrangement for the balance. We were told that was ok, and no lawsuit would go thru and to cb in XXXX to make the 1st Pmt and start the payment arrangement. I got a call from some random attribution lawyer I have no idea how he got my number, that mandarich sued me XX/XX/XXXX!!! They lied and sued even tho we had an agreement they wouldnt and accepted my payment arrangement.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/ 2022 I sent a request to XXXX to Opt-Out program. I received an email from XXXX they have received my request. This is to suppress any and all information in the XXXX data base. The information being suppressed was not suppose to be shared to credit bureaus or any agencies. Who maybe seeking information about my personal information. XXXX has violated my rights as a consumer to suppress my personal information as requested. I filed a dispute with EquiFax, asking them to investigate a public record that is being reported on my credit profile. When the investigation was complete. EquiFax claims the information was verified through XXXX. XXXX is not suppose to be sharing or verifying any information involving my personal information. I have letters and emails proving XXXX has violate my rights as a consumer. An email showing they have received my request to suppress my information. A letter from XXXX admitting to being the furnisher of public records to EquiFax. I have an email and a letter from EquiFax via us mail showing they used XXXX as the furnisher for investigating the public record. Also a letter I sent to Equifax to do a full and reasonable investigation. This was a clear breach of trust with my consumer information. When I clearly ask XXXX to suppress my information and not share it with any credit bureaus or agencies.
Product: Credit reporting or other personal consumer reports

I pulled a copy of my Experian credit report on XX/XX/XXXX and I noticed that for the sixth month in a row, XXXX XXXX , has been reporting my vehicle loan as paid in full.

1 ) I have made all payments on time since I purchased the vehicle and opened the loan in XX/XX/XXXX. 
2 ) This company has not reported any of my payments since XX/XX/XXXX. As you know, this greatly has affected my credit score and my ability to be able to refinance my vehicle and pay a much lower interest rate. 
3 ) This company has been reporting my balance as paid in full for at least 6 months and that is incorrect. I still owe {$17000.00} as of XX/XX/XXXX. 
I have spoken to XXXX at XXXX XXXX many times in person and over the phone for six months now about this issue and every time I talk to her, she insures me that the reporting issue will be fixed and it never gets fixed. XXXX claims she has no idea whats going on with it. She also let me know that I am not the only person that this is happening to. This company needs to be fully investigated for their credit reporting practices. Its unfair and unethical. I do not blame XXXX. I know she just works there, but it is very aggravating to be lied to.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not a Capital One customer. Capital One does not have my permission to access my personal information nor share my information with third parties. I told Capital One to cancel their XXXX services and they are ignoring my request and breaking the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting incorrectly a medical collection in the amount of {$10000.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I had insurance at the time and this account should report a {$0.00} balance and therefore there is nothing to report as a collection. This incorrect reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to have this line item removed however, I have not been successful.
Product: Money transfer, virtual currency, or money service

I transferred {$1000.00} from my Bank of America savings account to a savings account at another bank. I was charged a {$3.00} transfer fee that was not listed anywhere on my schedule of fees for my account - I have a complete listing of fees and this should have been a zero-fee transaction. I called to complain and they told me this is just how they do things. I am very displeased with their lies and misrepresentations about their fees and think this practice needs to be stopped. I would also like my {$3.00} back.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$1500.00} XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX Balance : {$560.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX XXXX Balance : {$560.00} XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$560.00}
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I viewed my credit report and saw a collection that I have no idea about. I have no knowledge of this debt. The original creditor was XXXX and now Jefferson Capital has purchased the debt and sent me to collections. I have never received any phone call, emails, or any mail regarding this debt. I call Jefferson Capital and they have no information on my debt when I gave them my Social Security number. I believe someone committed identity theft on me, this debt does not belong to me.
Product: Student loan

I attended XXXX XXXX and XXXX college for some time and never got my degree. Now I have over XXXX in loans and ca n't pay it back, I do n't earn enough to pay for all my bills. The loan has affected my credit score and I ca n't apply for anything that involves credit. I felt like this schools were a fraud and now because of it I lost time and money.
Product: Credit reporting, credit repair services, or other personal consumer reports

On the dates of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2021 I submitted a dispute to Experian with a letter of deletion that I obtained from The Bankruptcy Court as well as XXXX XXXX reporting agency in regards to a bankruptcy in question showing on my credit report. I have attempted to have them remove this item but they constantly refuse to comply even with the provided deletion letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 XX/XX/2018 XXXX XXXX No open account, did not apply, did not share information. 

XX/XX/2018 XXXX No open account, did not apply, did not share information.
Product: Credit reporting or other personal consumer reports

XXXX failed at their grave responsibility to protect my right to my privacy by allowing a corporation to utilize my credit report without MY written expressed consent AND without an initial investigation of the report knowing it would affect my credit worthiness and credit standing and in the long run HARM my reputation. National Recovery is reporting an alleged debt on my credit report which has Medical information on it ; privacy concern. The falsified information regarding who the original creditor is wrong as well stating XXXX XXXX XXXX. XXXX, National Recovery, or XXXX XXXX XXXX NEVER had MY WRITTEN and EXPRESSED consent to furnish anything on my report without my knowledge. There is an alleged debt that has also not been verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX  is reporting on my credit report that i was late making a payment on XX/XX/2021 I made my XX/XX/2021 payment on time on XX/XX/2021 I sent them proof they refused to correct it with no explanation.
Product: Payday loan, title loan, or personal loan

I applied for a loan and was approved for {$200.00}. Before I accepted I looked at the payment amounts, how many months and interest rate. They had XXXX options. {$58.00} @ 13 months. {$54.00} @ 20 months. And {$53.00} @ 26 months. All with an interest rate of 697 %. This company should be shut down and all current loans should be forgiven. This is highway robbery at it 's finest and should not be allowed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, XXXX disputes were sent to the 3 major bureaus. The company TEK-COLLECT is still reporting the debt of {$19000.00} for XXXX XXXX is somehow mine when in fact it was another person who is now deceased.
Product: Credit reporting or other personal consumer reports

XXXX XXXX has been given access to my personal information including my student loans, my social security, etc. This is illegal and not right. I did not give him permission to use my data for any purpose.
Product: Credit reporting or other personal consumer reports

( CFPB ) has recently filed a lawsuit against XXXX, & XXXX, Transunion alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX TransUnion has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX XXXX XXXX 's Transunion inaction violates federal law and my rights as a consumer. 

XXXX XXXX XXXX - Late Payment Removal, Account Paid In FULLand CLOSED and should be Current XXXX - Account Removal Unauthorized Account
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my eight endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$600.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$500.00} ; XXXX XXXX Balance : {$300.00} XXXX XXXX Balance : {$870.00} ; XXXX, XXXX, XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX, TN XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$870.00} ; XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX KY XXXX XX/XX/XXXX.
Product: Credit card

Stayed one night at XXXX XXXX XXXX in XXXX, AZ on XX/XX/XXXX for {$640.00} and booked a much nicer hotel suite than normally booked to celebrate a XXXX birthday. Hotel management failed to notify the room was ready, despite being requested to, and the time available for the amenities was reduced. Upon arrival to the room, there were curtains missing, bathroom toiletries were missing, the carpet had noticeable burn marks in multiple places, and the bed sheets had stains. The front desk informed us the hotel was booked up for the weekend and no other rooms were available. Following checkout we notified the hotel management again of the issues, provided photos, and left a negative review. Hotel management acknowledged the issues that were noted, but offered no remedy or explanation as to why the quality of their rooms did not match their advertised material. 

The hotel 's mistakes are something they have acknowledged, their rooms did not match the quality that was advertised when the reservation was made, the issue was brought to their attention when they could have resolved it, and they were unable or unwilling to resolve it during or make amends after the fact. 

My current issue is that I have a right to dispute the quality of goods and services not being as advertised with my Discover card according to the Billing Rights in my cardmember agreement since I made the purchase with a Discover credit card. I have tried to initiate this dispute, and have been told many times incorrectly that it is not something that I can do by Discover employees. This is despite me pointing everyone I talked to toward Discover 's cardmember agreement Billing Rights section, the Fair Credit Billing Act summary text, the FTC information about the FCBA, and the Consumer Financial Protection Bureau 's consumer website explanations about the FCBA that emphasizes that right to initiate a dispute for that reason.

After pushing for it to be opened, the dispute was eventually filed as dispute case XXXX. In response, the merchant provided no information to show that the quality of goods and services matched what was advertised to refute my claim. The merchant provided evidence the transaction occurred and that is all. However, Discover 's agents decided that the evidence that the transaction occurred was sufficient and closed the case in their favor. Discover 's agents are refusing to answer my questions and repeating incorrect information instead of handling the dispute according to the contractual agreement that I have with Discover and according to the laws that Discover is subject to.
Product: Credit card or prepaid card

I cancelled my XXXX XXXX and then the American Express Credit Card got automatically cancelled, which is fine, but now I'm getting bills from American Express even though my account was closed with a XXXX balance last I had checked and there were no pending transactions to be resolved and I always had autopay set up on the account ( and still do ) ( I always maintained autopay and a {$0.00} balance and these bills started well after any pending transactions would have reasonably been resolved ) and so there is no way that I could still owe American Express any money, but I'm receiving bills for {$780.00} and now XXXX on some account that seems to be the credit card that they had closed and it all makes no sense. This is very disconcerting and I'm not sure if it's fraud or something else.