23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

I’m in over my head with this loan. I started with one loan and then was offered an opportunity to take another loan, that tacked on the balance of the first loan to the new loan and gave me a different payment amount and more total payments due. Then I received another loan offer that tacked the previous two loans onto it and gave me an even higher loan payment and extended the number of my loan payments to an even longer period. I got lost with what was actually what, became overwhelmed by the overall costs of these groups of loans, that were condensed in one larger payment, for even more months. And like a house of cards, everything became overwhelming and fell apart. I went into the office in XX/XX/XXXX and made a payment. I also arranged for a payment to be paid by pre-dated check, in XX/XX/XXXX. The XXXX  payment that I arranged was taken, along with additional electronic payments (that were not authorized by me)...which in turn threw the account that these payments  were debited from (my checking account) into the negative & fees incurred. Nothing was done to resolve this issue, it was deemed to be my fault because the One Main account was behind anyway, and no adjustments were made to compensate for the damage done to my checking account. I refused to allow them to debit my checking account again, which made this account even further delinquent. At some point, I no longer knew where or how to properly come to terms with One Main & stop trying & stopped responding to their attempts to contact me.Now they are threatening to sue me for payment and attorneys are constantly seeking to represent me. I have no money to give them or any of these attorneys wanting to represent me, due to other financial issues that have come as a result of attempting to fulfill my obligations to them, as well as my other obligations.That’s my dilemma.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls undeXXXX XXXX  according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Mortgage

We were told to get behind on our payment for XXXX days in order to get a loan modification.Then after the XXXX days they would not do anything to assist us and immediately started the foreclosure process. After submitting the paperwork over and over again they kept saying our paperwork was outdated or lost. Every time we spoke to them we had to call them since we did not have a contact person for the loan modification, basically starting over every single time. 
Eventually we hired an attorney who was working with Chase attorneys to try to get the loan modified. This was a Robo signed loan which we knew before the robo signing was even settled. Their Attorney denied in court, under oath, that this was not a Robo signed loan. We then applied for hardest hit funds through XXXX which we were approved for $ XXXX. At XXXX they were working on it then they came back and said they do not participate in that program. We are still fighting to save our home XXXX years later after paying on it for XXXX years and raising our family. We have no equity left, still paying attorney fees, and possibly going to Supreme Court. 
All we wanted was a loan modification. 
We are now speaking to Neighborhood Housing in XXXX. Chase will not speak to XXXX either or give them a number to the legal department to work this out. We have other illegal things that Chase has done throughout this process that we would speak about at a later date.
Product: Debt collection

Received call from Forward Movement Recovery at XXXX stating I had made and online loan in XX/XX/XXXX while working for XXXX XXXX XXXX using a XXXX address. I did not live in XXXX in XX/XX/XXXX nor had I lived in XXXX since XX/XX/XXXX. I also made no online loan application during XX/XX/XXXX or in then years since I had been in XXXX. No account number or business name of the original lender were provided nor address of Forward Movement Recovery were provided.
Product: Debt collection

HELLO In regards to this debt collector by law 15 U.S Code 1692c ( c ) -If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer. I have spoken to the debt collector told them to stop contacting me and they still try by reporting to my credit report which in fact is still a form of commutation to me i ask for the CFPB to notify the debt collector to stop trying make attempts to reach out to me by mail, my consumer report or by telephone please and remove debt from my report by law stated above 15 U.S CODE 1692
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 Section 602 Section states I have a right to privacy. 15 USC 1681 Section 604a Section 2 IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS UNDER 15 USC 1666b A CREDITOR MAY NOT REPORT A LATE PAYMENT ON A OPEN ENDED CREDIT ACCOUNT AS LATE FOR ANY PURPOSES. PLEASE REMOVE ALL LATE PAYMENTS FROM XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I FILE A COMPLAINT WITH CFPB WHICH YALL STATES : XXXX XXXX THIS CREDITOR HAS VERIFIED TO OUR COMPANY THAT THE PRIOR PAYING HISTORY IS BEING REPORTED CORRECTLY. THIS CREDITOR HAS VERIFIED TO OUR COMPANY THAT THE CURRENT STATUS IS BEING REPORTED CORRECTLY. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : BALANCE, PAST DUE, CHARGE OFF AMOUNT, DATE OF LAST PAYMENT, DATE OF LAST ACTIVITY/DATE OF FIRST DELINQUENCY, ADDITIONAL INFORMATION, HISTORICAL ACCOUNT INFORMATION, ACCOUNT HISTORY We hope this resolves your concerns. 
THIS DOES NOT RESOLVE MY CONCERNS AS AGAIN under 15 USC 1681 Section 602 Section states I have a right to privacy. 15 USC 1681 Section 604a Section 2 IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTION. PLEASE PROVIDE PROOF OF SUCH WRITTEN INSTRYCTIONS OR REMOVE LATE PAYMENTS ASAP!!!!
Product: Payday loan, title loan, or personal loan

I applied for a Loan with Wells Fargo and was issued a Rejection Letter on the grounds the Load Department ( underwriter ) had no copy of my Credit Report and yet another Letter, printed a day before the Rejection Letter, clearly indicated a Credit Report was pulled the day prior, which Credit Report obviously was not matched up with the Loan Department. My credit is " excellent '' per the Three Bureau Reporting agencies provided by XXXX ( no collection, high score, no late payments, no judgement, exc, all directed to a good solid Credit History as far back as the records record ). 
A request for reconsideration on these grounds was issued to the Branch, but as to date, no answer. I am XXXX XXXX XXXX next XXXX.
Product: Debt collection

On XX/XX/2021, I purchased a vehicle through Credit Acceptance Corporation. I paid almost half of the balance owed before the car was turned in with a balance of {$8600.00}. I tried to negotiate and keep the car even though it was a lemon, and I spent several XXXX XXXX XXXX trying to fix the vehicle with a car payment. I also became XXXX  XXXX  after this because of the XXXX  I endured after putting money towards a vehicle that I no longer have and its on my credit file as a repossession that is affecting my credit worthiness.
Product: Checking or savings account

Someone opened a checking account in my name apparently with my SSN and overdrafted the account. I only have a checking account with my credit union in my area for over 20 years. The account in question is an hour and a half away from my home
Product: Credit card

As an XXXX XXXX Barclays credit card holder, I scheduled automatic payments in the amount of the most recent statement to come out of my checking account monthly on the date the payment is due. This month, Barclays took out XXXX payments, in the amount of the statement balance of XXXX, at the exact same time on XX/XX/XXXX, the statement due date, instead of the one that they should have taken. I have screen shots of the transactions as well of how the payment was scheduled to have happened. 
I called them on XX/XX/XXXX and was great accused of making the double payment myself. When I explained that was not what happened, that I had a scheduled auto-payment through their online payment portal, I was then told by the first customer service with whom I spoke and her XXXX to whom my call was escalated, that I would have to wait XXXX billing cycles ( XXXX months ) for them to return the money they took without my authorization. When I told them that I would contact my bank to have the unauthorized ACH withdraw corrected, both the agent and the XXXX told me that if I did so I would be charged a return of payment fee. I called again on XX/XX/XXXX and spoke to another XXXX and was told the same thing. They verified that even though it was their error they could not return my money for XXXX business cycles. I asked for a higher level XXXX and was told I would have to wait XXXX hours for a call back. I was also told, again, that they would charge me a return payment fee if I went to my bank. 
I went to my bank today and they have reversed the charges for the second payment and the unauthorized payment of {XXXX} was returned to my account. 
XXXX filing this complaint because I believe that their refusal to immediately correct their error, their holding my money that they essentially stole from my account for XXXX months, and their insistence that they will charge me a return payment fee so that I can get MY money back in a timely manner is not acceptable and they should be held accountable for changing these practices that harm me, as the consumer, because of their error.
Product: Checking or savings account

I did some work for a company and they wrote me a check, I deposited into my account and after a few day I found out that the check was no good so they closed my account as if I was being fraudulent and I am the one who was scamed. I have all my personal bills coming out that account and my social security deposits every month. I have been with them for about 3 to 4 years and never a problem.
Product: Debt collection

Scott Lowery Law office contacted me about a alleged debt that supposedly I owe, I immediately responded back by mail to dispute the debt and to obtain verification and proof that I owe this debt. The paperwork that they sent back to me was arranged in a matter to represent a court filing and had my local courthouse name and address on it but no case number. 

The documentation provided was obviously forged because the contract they sent had multiple signature dates, no signatures and other fabricated. documents and documents with no reference to the original account number and no direct link to me as the creator of the debt. I sent a certified follow up letter disputing the information that they provided and have not received a response back yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

First I would like to address the problem I am having with XXXX as I have researched and started my own credit repair back in XXXX or XXXX XXXX has asked me to verify my identity three times which I proceeded to do. Now here we are in XXXX and I have not heard anything else from them. I sent them a letter prior to the data breech explaining to them that I was not impressed and I did not appreciate the no response as I do know my rights with the FCRA. I was also a part of the breech and that would make three this year. I have had multiple hard hits for loan inquiries that I have applied for or credit and I am constantly keeping track of my credit now for this reason, and see these. I originally filed with FTC.gov a complaint and a report with a 90 day freeze. Plus I was placed on the DO NOT CALL LIST and yet I was and am still getting calls and it seems that the freeze did nothing to help. I am overwhelmed by this and upset it 's also damaging my credit even more so. I also have a complaint against XXXX XXXX and XXXX XXXX Collection agency as well as XXXX XXXX XXXX The last two mentioned are both reporting on my reports for the same debt and I know that, that is illegal and this account is not mine and they are now refusing any response that I have requested from them as well as XXXX XXXX. What do I have to do? Sue?
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX XXXXXXXX XXXX XXXXXXXX regarding their failure to address and investigate inaccuracies in reporting on my Equifax credit report. On XX/XX/2024, I sent a dispute letter to XXXX XXXXXXXX XXXX XXXX, requesting an investigation into the inaccurate reporting of an account that appears on my Equifax credit report. 

The account in question was included in a Bankruptcy Discharge and should not be reporting negatively. Despite all payments being made on time for the past two years according to my payment history across all three credit bureaus, XXXX XXXXXXXX XXXX XXXXXXXX has failed to update the reporting on my Equifax credit report accordingly. 

In my dispute letter, I specifically requested XXXX XXXX XXXX XXXX to provide detailed information about the account, including the type of account, scheduled payment amount, credit limit, high balance, date of last payment, payment status, and date of account closure. However, I have not received any response from XXXX XXXX XXXX XXXXXXXX. 

Their refusal to investigate this account and provide the requested information is a clear violation of the Fair Credit Reporting Act ( FCRA ). Under the FCRA, consumers have the right to dispute inaccurate information on their credit reports and expect prompt investigation and resolution from the credit reporting agencies and the furnishing institutions. 

Therefore, I am requesting the CFPB to intervene in this matter, conduct a thorough investigation into XXXX XXXX XXXX XXXXXXXX 's handling of my dispute, and take appropriate action to ensure compliance with the FCRA. I urge the CFPB to hold XXXX XXXXXXXX XXXX XXXXXXXX accountable for their failure to investigate and correct the inaccuracies in reporting on my Equifax credit report.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding erroneous information on my credit report, specifically related to an account attributed to XXXX XXXX XXXX XXXX XXXX. I contacted XXXX, TransUnion, and XXXX several of times to address this issue, which involves an account displaying incorrect information.

The account in question is reported as charged off and is reflecting missed payments despite being charged off three years ago. Per the guidelines outlined in the Fair Credit Reporting Act ( FCRA ), Section 609, this information is inaccurate and violates the legal obligations set forth under this regulation.

Despite my efforts in disputing this error, I have yet to receive any response from the credit bureaus or the lender in clarification as to why this misinformation persists on my credit report. The inaccurate reporting is adversely impacting my creditworthiness and financial standing. 

I request an immediate investigation into this matter in accordance with the FCRA, Section 609. I am formally requesting the following actions be taken : Verification and validation of the accuracy of the reported information related to the account in question.

Correction or removal of any inaccuracies found during the investigation, specifically the misreporting of missed payments on a charged-off account that occurred three years ago.

I urge swift action to rectify this issue and to provide me with a written response detailing the steps taken to investigate and correct the inaccuracies within the prescribed time frame as per the FCRA. 

Please find attached copies of documents that support my claim, including wrongfully reporting on my credit report. 

I appreciate your prompt attention to this matter and look forward to a swift resolution within the legally stipulated time frame.
Product: Mortgage

I lost my job due to XXXX, and was able to find my current job but unfortunately the process of hiring took about two months, so I asked my mortgage company about the options for a forbearance, they helped me during my time of need, and discussed how placing all balances on the back end of the loan was the best option for me... 
but I had XXXX major issues coming back from it... 
. they never told me about the escrow being an issue and how it would affect my monthly payments being a lot higher I had a conversation and they told me property taxes and home owners insurance almost doubled bring my payments from XXXX to XXXX and that I was able to understand I received the agreement assuming my monthly payments for that amount and I agreed and signed it ... no problems there, problem 1... 

At that point they don't even told me about a higher amount ... one day I checked my mortgage app on my phone and I see a payment scheduled for next month for XXXX I was alarmed and called and asked what was that about and that's when they told me about the escrow balance needed to be paid. And I wish they would have told me about that when I first started because I would have paid at least the escrow that is my first issue. 

Problem 2... 

I checked my credit and it shows derogatory account and late for 120 days wich affected my credit... I called them about this and they said that was a mistake and before I submit a claim in the credit bureaus to give them 30 days to fix it, and I did I just got a notification on my credit saying that my account is current... but they never removed the late payments report negatively affecting my credit and this is something I asked them and they told me it would definitely not affect me credit wise. 

Now I must call them again and call the bureaus to remove their mistake from my credit. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing Discover Card charge off reported by Discover Bank on my XXXX credit report. This relates to Discover Card with the account number XXXX ( opened in XX/XX/2015 ). My research has revealed that wheover applied for this account used XXXX XXXX XXXX XXXX XXXX XXXX  XXXX   XXXX, CALIFORNIA XXXX address. I am attaching my driver 's license as well as utility bill. I reside at XXXX XXXX XXXX XXXX, California. I have no association with the XXXX XXXX XXXX XXXX address. Further, I never applied for the Discover card in dispute here. This account was opened in XX/XX/2015. The identity thieves ran up a significant debt and stopped making payments after using the card for 3 months. 

I never applied for this Discover card account. I have disputed this tradeline with XXXX  and by extension Discover. Each time, Discover has taken the position that the account was verified as belonging to me. Discover and XXXX  as inaccurately reporting my credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 4th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove these accounts which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1600.00} ; XXXX XXXX XXXX Balance : {$16000.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1500.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1600.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance XXXX {$0.00}
Product: Mortgage

I filed bankruptcy last year, and my home mortgage was discharged. I agreed to a loan modification through Wells Fargo. I have been making my payments on time, for about a year. I do receive loan statements, and the payments are being credited to my loan. Wells Fargo, states, they do not report payments, due to bankruptcy. I view this as unjust, due to, they are receiving money for this mortgage. I am not in foreclosure, and due plan to stay at the residence. I have n't received my payment history from Wells Fargo yet, or else I would be attaching. Before I filed bankruptcy, my ex husband did, while we were divorced in XXXX. I was on the loan, as well. Wells Fargo claimed me as part of the bankruptcy, and did not report my payments. I had not filed bankruptcy until XXXX. I contacted Wells Fargo, and all they did is give me the run around. My lawyer was supposed to reaffirm my debt, but all I got from their office was a run around. I basically got screwed on all accounts. I just want to rebuild my credit, and notify Wells Fargo, that the money I pay into their company, reflects on my credit report. I 'm paying them the mortgage, they are receiving my money. This is not right. Important information, my name is shown as XXXX XXXX on loan. Married name.
Product: Debt collection

In XX/XX/XXXX I signed up with Telephone/Internet/TV with Service Provider Name : ( XXXX XXXX ) also made a Security Deposit of at least {$150.00} which was never returned, I also contacted XXXX by telephone to discontinue service end of XX/XX/XXXX, because I was moving and also paid by bill of XXXX, XXXX which I should have received an Refund!