23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

On XX/XX/XXXX POA revocation was sent certified mail. XX/XX/XXXX letter of recission and Affidavit was sent to XXXX XXXX. In XX/XX/XXXX contract was executed under false and fraudulent pretense to include inflated purchase cost, XXXX contract, down payment and dealership processing fee.
Product: Checking or savings account

On XX/XX/XXXX I received a popup on my Citi mobile app prompting me to open a savings account with a maximum incentive of {$450.00} for keeping a balance of {$50000.00}. I tried opening the account through the mobile app but the app was having technical difficulties so I called a phone representative instead. The phone representative confirmed with me that I was enrolled in the offer and I received an email on XX/XX/XXXX confirming my enrollment as well. 

On XX/XX/XXXX I deposited {$51000.00} and never let the balance fall below {$50000.00} until XX/XX/XXXX. 

On XX/XX/XXXX I confirmed the timeline that my deposit needed to stay in place with chat representative XXXX. She said the initial deposit needs to be made by XX/XX/XXXX, be held through XX/XX/XXXX, and that I would receive the bonus by XX/XX/XXXX. 

On XX/XX/XXXX and XX/XX/XXXX I contacted Citi regarding the status of my bonus and they stated that I was not targeted for the offer and therefore I would not be eligible for the bonus. I received a targeted popup in my Citi app prompting me to sign up for the bonus but evidently Citi has no evidence of this on their end. Perhaps the initial phone representative entered an incorrect promo code, but I had no promo code to give him in my targeted offer.
Product: Mortgage

A International Promissory Note was sent too the CFO and the Research Dept to Discharge my Mortgage Note at Ocwen Loan in the amount of {$300000.00}, they stated that they could not accept it because it was not the full amount, Ocwen stated that they will send me a payoff quote, in which I received in the mail, Sent them another Promissory Note in the amount of {$310000.00} for full amount, the Research Dept of Ocwen stated that they would have to do research, I also fell to mention that I sent information on the Law in regards to the Promissory Note being Legal Tender, they kept XXXX the Promissory Notes for about a Month, Finally got a call and a letter from Ocwen stated that they could not accept my promissory note, I asked them why, and they could not give me a reason why. At this time they holding XXXX Promissory Notes.
Product: Credit reporting, credit repair services, or other personal consumer reports

Navient reports incorrect information to purposely bring down my credit score. They reported that they have increased a student loan from {$1000.00} to {$9000.00}. I am on an income based repay plan and they should not be increasing my students loans in huge incorrect amounts just because they feel like it. They are trying to make it so that you never pay the loans off by increasing to incorrect amounts to benefit others.. Also, the balance with XXXX XXXX XXXX has not been updated. The credit bureaus are not updating the balances on accounts unless the balance fraudulently increases. They are a participant in the evil doings.
Product: Debt collection

I have been made aware via solicitation from an attorney looking to represent me in defense, that XXXX XXXX XXXX XXXX is seeking legal action by attempting to sue me in court for an alleged debt. Prior to learning about the pending legal action I was unaware of any alleged debt and believe XXXX XXXX XXXX XXXX has violated protections outlined in the FDCPA by not contacting me prior in writing or by phone and allowing me to request validation of this alleged debt.
Product: Debt collection

We entered into an agreed judgement with Cheadle Law in XX/XX/2023. I made my first payment via their website on XX/XX/XXXX. I emailed them on XX/XX/XXXX and they said that one of the payments bounced. We had enough funds in the account to cover the payment. I contacted our bank and they said that Cheadle Law never attempted to withdraw the {$300.00} payment and that there was no XXXX history for the transaction. XXXX XXXX said that I would need to overnight cash, cashier 's check or money order. I didn't feel comfortable sending a payment this way. I attempted to make another payment on line on XX/XX/XXXX and XX/XX/XXXX and they told me those bounced as well. My bank once again said that they never attempted to run the payment. I've read several complaints on line that they have done this exact same thing to other people. They also sent no warning that they were going to begin wage garnishment. I've tried calling them and emailing them to work something out and I don't get an answer or a reply. I've also read that they work for loan sharks in New York. This company should not be allowed to practice law.
Product: Debt collection

Not my debt. Fraudulent debt. Debt was never verified as mine
Product: Money transfer, virtual currency, or money service

In mid XX/XX/year>, someone who pretended to be me using a very similar email to mine, sent an email to my CPA requesting that my IRS and CA XXXX refunds be deposited to a Bank of America number provided. My CPA who files for me annually and has for the past 30 years changed the bank information on the e-file. When I did not receive my refunds, I contacted my CPA who upon verification became aware that he had filed based on fraudulent information. 

Two deposits, one from IRS in the amount of {$30000.00} and another from California Franchise Tax Board in the amount of {$8200.00}, have been fraudulently deposited into a Bank of America customer 's account number that does not belong to me. On XX/XX/XXXX, I verified with a BofA branch representative and the branch manager in XXXX XXXX that both deposits were made into this account and still available at the time that I brought it to them for resolution. The deposits are indicated as IRS refunds intended for me but fraudulently deposited to someone else 's account who committed email fraud pretending to be me and communicating with my CPA. 

Based on the reaction of the client service team member, the account seemed very suspicious and she tried to get the Fraud department to help as well as asking the branch manager if they could freeze the account. However, the branch manager refused to assist in freezing the account despite knowing that the funds did not belong to that client. 

It was recommended that I report this to the authorities immediately. I immediately left and reported the incident to the Orange County Sheriff 's Department, in XXXX XXXX. I then went back to the branch and asked to speak to the branch manager, who made a copy of the police report case number but again did not assist in freezing the account and said this is out of his hands. 

The following day, I returned seeking further clarity and assistance. Unfortunately, the branch manager informed me that he could not help and referred me to the fraud XXXX number, from which I have been unable to receive any assistance. 

I have spoken to and filed a report with the FBI in addition to filing the police report with the police department. 

In speaking to the IRS, they have made it clear that this is a bank responsibility as the name of the rightful recipient of the funds and the account holder are different and the bank should have rejected the payment as it is the practice with other banks as well as with all wires. 

I kindly request your assistance in this matter.
Product: Mortgage

In the past, i have submitted complaints about green Tree loan servicing company. I tried and tried to get a loan modification with them, spent hours faxing/ certify mail documents to them. I was promised by the original lender, XXXX XXXX XXXX, that they would be able to and happy to mocidy my loan, as i met all the requirements. 
then they sent me to Green tree. ... .and they illegally denied me a loan modification. the CFPB cracked down on them, and ordered them to pay XXXX dollars to people like me. 
i called the settlement administrator yesterday, and, to my dismay, a rep there looked and looked at my name and adresses and said.. I am NOT ON THE LIST to get compensated?? ... ... please explain. -- -- - i got a letter just recently from the now " DIETECH '' I hadnt heard a thing in months and months. their letter stated that I was not eligible for a HAMP loan modification because that is for people who got their loans ( bought their house ), before XX/XX/XXXX. the letter stated that my loan was " ORIGINATED '' XX/XX/XXXX, and therefore not eligible. 
This is incorrect and DIETECH may be able to fool most people with this letter ... but I have been a realtor for over 20 years so I know more than the average joe. 
I bought the house XX/XX/XXXX. this is the house I needed to have the loan modified. 
i put XXXX dollars down on a XXXX dollar house. the loan was done by XXXX XXXX XXXX. I was paying everything and working and all was fine until I became XXXX and unable to work. I was contacted by a XXXX XXXX XXXX loan agent that I was thinking to refer buyers to, and he coerced/ convinced me to do a REFINANCE on the original note, XX/XX/XXXX. 
the bottom line is that i was, and the property was, eligible for HAMP loan modification. 
the refinance was merely aan alteration on the ORIGIBAL NOTE for the property, signed, dated, bought by myself XX/XX/XXXX. this is within the " before XX/XX/XXXX '' guideline. the Hamp program was designed for people who bought during the " peak of the market '' .. and now had upside down mortgages. my home, that I bought in XXXX WAS upside down by the time you figure i had a first, and a second mortgage. 
i beleive that Green tree, now merged with DIETECH ... has written their reason for not giving me a hamp loan to the CFPB ... .... and perhaps thats why the CFPB thinks that I am not a " victim '' : and i am not on the list to get a little compensation from this Nightmare that Green tree/ dietech has caused. .... the CFPB thinks i bought the house XX/XX/XXXX??. 
as i said, the original note for the house was XX/XX/XXXX. the refinance that i did at XXXX XXXX insistance, was A modification or an altered note to the ORIGINAL NOTE ssigned by ne as promis to pay XXXX XXXX XXXX , XX/XX/XXXX. i should have been given the HAMP loan modification. its really too bad that some banks let people defer their payments for 6-8 monthsm shaved XXXX dollars off the principle, etc ... and i had to lose my home. i really miss that home and that town so much.
Product: Debt collection

New century financial services is subpoenaed me to fill out a questionnaire for the amount of {$1900.00} on a bill I never had and its dated back in XX/XX/XXXX. Tells me if I dont fill it out I am in contempt of court if I dont comply and fill out the info. They said I paid money last year and I never did. I dont even know what this is about. 
I just got this today XX/XX/XXXX. A lawyer company through XXXX XXXX  XXXX in XXXX issued me a notification along with the Supreme Court of the state of New York county of XXXXXXXX. Does not look legit and the questionnaire is asking a bunch of personal questions such as SSN ( which is already on their file apparently ) and asking for my income and other info. I do not owe this bill.
Product: Credit reporting or other personal consumer reports

I have filed disputed multiple times for items on my credit report with Transunion that are not mine. They keep coming back as accurate. They are not my accounts. They have made this error before and had my credit profile mixed with someone else with a similar name. 
I spoke to them a month ago and they said they were escalating and I would hear back within 3 days and noone ever called me or emailed me. 

I have called the creditors myself and all have advised me they have no accounts under my social security number. So there is nothing they can do. I just want the items removed from my credit. I have froze my credit but somehow they keep mixing items up on my report with someone else. 

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

With respect to Chapter 41 : 15 U.S. Code 1681, I, being a consumer, am entitled to an accurate and complete consumer report. According to my consumer report generated on XX/XX/2022, there is some inaccurate, not applicable, fraudulent personal information listed. This letter serves as an initial attempt to have my personal information amended to what is correct and truth standing. 
Within 30 days from receipt of this letter, insured and tracked by CFPB, the following information needs to be omitted. Please note upon completion of the request, a new updated copy of my consumer report should be mailed to the mailing address that you have on file promptly. 
I suspect that you would have no issues removing the aforementioned information in a timely fashion.
Product: Credit reporting or other personal consumer reports

Do you know or have any idea how XXXX  it is when youre working your way off honestly, then you look at your credit report erroneous information everywhere that has negatively impacted both my credit score and my life, it is my literal lifeline during emergencies, and every paycheck is an emergency.
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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 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: Credit reporting or other personal consumer reports

The XXXX XXXX  have been monetizing and defaming my character through the use of wrongful reporting of inaccurate accounts on my consumer report that they have not validated and have no proof actually are valid debts. I have previously written to the XXXX XXXX XXXXXX/XX/XXXX and have not heard anything in response to my request. Since I have reached the 30 day mark that they law allows I will be initiating my federal lawsuit if I do not get the requested remedy within the next 14 days.
Product: Money transfer, virtual currency, or money service

he was a victim of fraud with a company called XXXX XXXX that according to was an investment fund and he took my XXXX from my virtual wallet
Product: Credit reporting or other personal consumer reports

A fraudulent account was opened using some of my personal identifying information. I reached out to XXXX XXXX XXXX XXXX concerning this fraud. I was told that they would investigate. In XXXX I became an independent XXXXXXXX XXXX XXXX. I attempted to join the XXXX XXXX. I was told to reach out to the XXXX XXXX XXXX group at XXXX. I have been contacting them for the past 26 months, leaving repeated voicemail messages, NEVER receiving a response. I have a police report, concerning this account, that I will submit along with this request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have like 4 inquiries that I do not recognize and I do not know which companies are
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a secured credit card with  XXXX   XXXX , I deposited money in my account that was already open and they took it from there. I never received a notice as to where the funds would be deposited or if I was getting interest on the account. My account was closed by them and I never received a letter stating where the money i deposited was applied to. They originally reported that I owed {$410.00} and I disputed that and they brought it  down to {$110.00} only because I disputed it. Those action lowered my credit score. And I have yet to receive  any letters on what happened with the deposit.
Product: Debt collection

I am writing to complain about Central Financial Control Agency, CA reporting on the XXXX credit reports that I have unpaid medical payment. 
The balance on the medical bill was transferred to the collection agency by XXXX XXXX XXXX, XXXX, TX XX/XX/XXXX due to an error from their billing department stating that I missed a monthly payment. I had to fax over my credit card statements showing that I made the payment before it was resolved. I asked for my account to be removed from collection, since it was an error on their part but was told that they could n't retrieve it since it was already in collection. 
I started paying monthly payments of {$100.00} to Central Financial Control, CA from XXXX/XXXX/XXXX and made the final payment of {$100.00} for the balance on my bill on XX/XX/XXXX. I asked for a letter stating that I had finished paying the medical bill ; I was told the letter would be sent to my address. I was surprised a few months after to receive a bill stating I was owing another {$100.00}. 
I called several times and was told that a refund was issued to my credit card and that caused me to owe that amount. I told them I did not receive any refund and faxed over my credit card statements showing no refund issued to me. I was told several times that it was being sent to their research department. I never got a response back and called for several months, even till XX/XX/XXXX. 
I felt it was resolved and forgot all about it, until I saw it on my credit reports XX/XX/2016. 
I paid the final balance on the bill on XX/XX/XXXX and do not owe any amount since I did n't get any refund on my credit card as stated by the collection agency. I want the {$100.00} medical item deleted from my credit report with the XXXX credit reporting agencies - XXXX, XXXX and XXXX. 
Thank you for your assistance in getting this resolved.
Product: Debt collection

XXXXXXXX XXXX XXXX authorized Suttell & Hammer XXXX with their intent to sue me over alleged credit card debt in the amount of {$5700.00}. This letter, dated XXXX from this law firm, took me completely off-guard, and has lead to extreme XXXXXXXX XXXX XXXXXXXX since receiving. This debt has been on my credit report and reported as charged off by XXXX. If one was to look at my credit report, you would see that I have " Excellent '' credit, aside from this one erroneous blemish that XXXX and XXXX are determined to falsely report. This has affected me emotionally and psychologically, and has led to XXXX XXXX XXXX XXXX XXXX XXXX. Coupled with my entire industry being shut down for months due to strikes, with no earning potential or job prospects, and a potential law suit being hung over my head out of the blue, it has been an extremely difficult time for me and my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting Act the list of accounts I have below have also been attached in my letters and FTC Report, have violated privacy federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX : XXXXXXXX XXXX DATE : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXXXXXX DATE : XX/XX/XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX AUTO Date : XX/XX/XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) DATE:XXXX XXXX  XXXX : XXXX XXXX XXXX : XXXX XXXX of XXXX Date : XX/XX/XXXX XXXX XXXXXXXX Date : XX/XX/XXXXXXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Resident Verify Date : XX/XX/XXXX XXXX XXXXXXXX XXXX Date : XX/XX/XXXX 15 USC 1681 section 602 A states I have a right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish any account without my written instructions.

15 USC 1681c ( a ) ( 5 ) states no consumer reporting agency may report any items of information or adverse items other than criminal convictions record which pre dates the report by more than 7 years.

15 USC 1681s-2 ( A ) ( 1 ) states 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: Mortgage

Im in the process of doing a short sale on my house, to avoid foreclosure.I was given permission from the bank-Bank of America & lt ; to do so.I was told that any correspondence concerning foreclosure would cease, for Im trying & lt ; in good faith, to get the property sold.However, today, I received a notice that the house was to be sold at a sheriff 's sale XX/XX/XXXX.BOA did nothing to cease these notices ; but Im not surprised-Ive been dealing with incompantency & ignorance with BOA & Countrywide for literally years ( 5 years in bankrupcy because Countrywide charged illegal fees & the last almost 3 years trying to get this mortgage straightened out to no avail ) Im fed up & stressed out & am considering a lawsuit
Product: Credit reporting or other personal consumer reports

Due to unauthorized credit inquiries ( violating 15 USC 16c-2 ), my credit report is inaccurate. Please correct this immediately by removing the incorrect information.
Product: Credit reporting or other personal consumer reports

Account XXXX XXXX XXXX ) was paid XX/XX/year>. And is do every XXXX of the month account was not paid on time on the XXXX of XXXX it was having trouble with the online portal for my account it was paid XX/XX/year> in the amount of XXXX XXXX Which would have been the min payment for both XXXX and XXXX. Being paid on XX/XX/year>. With that fact the account was not past do 30 days it would have to be XX/XX/year> in order for XXXX payment to be considered delinquent. I paid min payment for XXXX in XXXX along with XXXX payment. The late payment for XXXX I ask be updated with the credit bureaus and forgiveness be considered/ and noted that it was not 30 days pass do.
Product: Credit reporting or other personal consumer reports

I looked at my report on XXXX and notice two different school loan companies reporting mis leading information of the same debt of different amounts.Ive tried several times to rectify this issue. 
XXXX  XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I paid off my XXXX credit card thru Credit Control, XXXX XXXX XXXX XXXX XXXX, XXXX, Mo XXXX but it still show 's as in collection on my credit report. How ca this be removed? XXXX XXXX. XXXX XXXX XXXX XXXX, NY XXXX XXXX.