23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My son has a loan with ONE MAIN FINANCIAL LLC, I believe that he has problems with payment or so, I do not know specific information, but here 's the complaint : Beginning of the first days of XX/XX/2021, myself, my wife, my mother, my step-father, my brother, my sister, and my brother in law started to receive several calls from the debt collector from the ONE MAIN FINANCIAL, when called they identify as XXXX XXXX a courier company looking for my son to give him very important documentation. In most of the calls, when we answer, we let them know that we will take the information supplied from them and try to transfer it to my son. They again call us and again some of us let them know to want they stop to call us, but they let us know they will remain to call us up to my son pay the money owed to them. Today XX/XX/2021, I received a call from MR. XXXX XXXX from the same company XXXX XXXX, when I asked him not to call me again, he just stated that I have no teaching my son to be responsible, that if I did not do that they will do, and again reaffirm to me that they will continue calling every one of us and they will stop when my son pay the money. I feel my family is being threatened. 
Finally, when I ask my son about this, he told me they had filed a lawsuit in court and that he is working on it, I ask then to stop calling me and my family, reserving our right to take legal actions if they do not stop.
Product: Debt collection

they call my home all day everyday, even after XXXX and they called my home this past sunday as well? no one ever says anything at all its like its a automatic dialer or something i had never been told why they are harrassing me?
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax XXXX XXXX XXXX is still showing on my credit report please remove it from my report
Product: Bank account or service

I looked at my bank account statement and I saw that I was charged XXXX from a company called XXXX. I have never heard of this company! I do n't remember writing a check to them. I did not write a check to them. I have called the bank and they will open me a new account soon ( 5-7days ).
Product: Credit card or prepaid card

I received a notice in the mail first from Best Buy that stated that my credit could not be increased. I do not and have never had a Best Buy Credit Card. I then learned that someone also opened a XXXX XXXX and XXXX XXXX XXXX account in my name using my social security number. I have reached out to all companies as well as gotten a police report. All companies stated that this matter would be resolved and the card would be closed. However, today I received a bill in the mail with a past due notice from Best Buy with the account summary at {$1000.00}. I have already spoken with them and let them know this was a fraudulent charge.
Product: Checking or savings account

On XX/XX/2020, I contacted my bank in order to stop an automatic debit payment for an insurance company I no longer do business with. I initially spoke with customer service personal, who advised me I could not stop the automatic debit payment from happening. I demanded to speak to another person and was connected to my " banker '' in XXXX XXXX, XXXX at one of the 2 Great Western Bank locations. I was again told it was impossible for me to stop the automatic debit payment due to laws and regulations regarding banking in the United States. The conversation became heated, the individual refused to give me her supervisors name, and I do not remember her name. The " banker '' used the current pandemic situation as her reason for not giving me her supervisors name. Great Western Bank will not allow me to control my account in accordance with federal law, specifically the right to stop automatic debit payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following bureaus placed unauthorized hard inquiries on my credit report violating code 15 US Code 1681b. 
Equifax - 2 hard inquiries XXXX - 8 hard inquiries XXXX - 17 hard inquiries XXXXXXXX XXXX of truth were mailed on XX/XX/2023 pending response to all three credit bureaus.
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX  The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXXXXXX -Balance {$480.00} - Date Opened XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/scrub> XXXX XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/year> Unauthorized inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

On XX/XX/XXXX, I called Loan Depot for general information about a refinance with cash out. The salesman told me he could not provide an estimate of loan terms without a credit check ( {$10.00} fee ) and loan application. I made it clear that I only wanted an estimate and was not committing to refinancing at that time. I agreed to fill out the application over the phone. When it came time to electronically sign some paperwork, I wanted to read the details of the documents. When I asked him what I was signing, he told I needed to relax. When it came time to sign a consent form to withdraw {$420.00} for an appraisal fee, I hesitated, as I did not wish to commit at that time. He insisted that he would never charge my card ( which was provided for the credit check ) until I had explicitly authorized him to do so. Even though the paperwork stated the funds would be withdrawn, he told me the withdrawal would take place at the time that I were to schedule an appointment. Furthermore, he stated that the fee would be {$300.00}, not {$420.00}. The following day, my card was charged {$420.00}. Instead of correcting what they called a " mistake, '' the salesman offered me a credit toward closing costs. I told him that was n't the right answer. He told me that he and his supervisor had both tried calling me to let me know that the withdrawal had occurred. His supervisor claimed that the withdraw was a mistake that occurs 2-3 times per week. On XX/XX/XXXX I sent an email to the salesman 's supervisor to cancel the loan and refund my money in full. On XX/XX/XXXX, the salesman wanted to know if I wanted to go forward with the loan. I sent another cancellation notice by email, which the salesman and supervisor both acknowledged. On XX/XX/XXXX, I received a second set of loan documents. On the same day, an appraiser visited my home while I was at work. The appraiser showed my wife documentation and ID. It was enough to convince my wife that I had ordered the appraisal. The appraiser did a walk-through of my home and took pictures. I contacted the appraiser that evening after finding out about her visit. She told me she was sorry and would resolve the issue with her company. 

In my opinion, if the withdrawal were truly a mistake, they should have refunded the money the instant they discovered it. I believe that it is a tactic Loan Depot uses to make potential customers commit to the process. The supervisor himself acknowledged that the Loan Depot is more aggresive than other companies. This salesman was pushy at times, moved through the process too fast, and was less than transparent ( told me APR was " moot '', for example ). Also, I was told there would be no out of pocket expenses for the loan. The loan documents I received by mail stated that {$2900.00} cash was due at closing ( document attached ). 

In a world where companies are pressured and encouraged to create accounts without customer authorization, I feel obligated to stand up for myself as a consumer. If others have had similar experiences with the Loan Depot, I encourage you to file a formal complaint as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report Act 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 an account without my permission.
Product: Money transfer, virtual currency, or money service

XX/XX/2024 A person impersonating a XXXX XXXX sheriff called me. The phone number matched the police department phone number online. He provided by email the citation that was issued to me for missing jury duty. He demanded XXXX dollars for the citation that I would get back after my court date or be arrested. Money was sent. I called me bank within an hour to get the transaction reversed. They said it could not be reversed so a claim was made. I reported the scam to the police department and received a case number. Police said nothing they could do and the bank denied the claim. I have made a complaint with the fbi
Product: Credit reporting, credit repair services, or other personal consumer reports

You responded to complaint XXXX and stated that the company verified the account. I have attached my most recent dispute letter that was sent to the company which is dated and time stamped. Please provide what the company submitted as proof for this account because I was never sent any information. I am demanding that this account be removed from my credit report until an investigation is done and the company has responded to my dispute.
Product: Checking or savings account

At XXXX on XX/XX/24 I with the help of a chime agent named XXXX XXXX ordered a new card and secured my account denying all transactions following their instructions. 

By XXXX on XX/XX/24 my account was once again hacked and XXXX $ were removed in XXXX $ + increments. 

At XXXX on XX/XX/24 called chime immediately when I found the transactions. I was told as they were pending nothing could be done At XXXX on XX/XX/24 I filed a dispute for XXXX out of XXXX transactions as the XXXX had finally stopped pending At XXXX on XX/XX/24 my dispute was denied I requested in response to the email for the reason as to why on XX/XX/24 On XX/XX/24 at XXXX I was told it was still open when I called back after seeing the email from chime denying me I called back at XXXX and requested it to be reopened. 

At XXXX on XX/XX/24 I spoke with a supervisor who gave me a ticket number as she was unable to get the link to go through at this time she found my dispute still closed At XXXX on XX/XX/24 I spoke to a woman agent who sent me a link to upload more supporting documents to the rebuttal. 

At XXXX on XX/XX/24 received an email stating they could not receive the documents that way At XXXX on XX/XX/24 received a message that they were denying my dispute again. 

At XXXX on XX/XX/24 called and spoke with a supervisor named king who sent the cloud link again and I uploaded the documents. 

At XXXX on XX/XX/24 received denial reasoning stating it was due to sms override despite documentation showing that didnt occur and that I was following agent XXXX XXXX XXXX at that time to remove all fraudulent accounts accessing my account At XXXX on XX/XX/24 received email stating it once again XXXX received and XXXX email saying they were At XXXX an agent named XXXX emailed me stating XXXX couldnt receive them that way despite it being from a supervisor Called again at XXXX for the link to upload from a supervisor asked if she could stay on the phone to verify it was received she said she couldnt but to call back in XXXX after submitting or longer and someone can check Called back at XXXX XX/XX/24 and spoke with XXXX who transferred me to XXXX XXXX ( asked XXXX to spell her name XXXX refused XXXX She confirmed she saw all XXXX documents At XXXX on XX/XX/24 received an email stating I had XXXX to submit the documents or they would close the rebuttal Called again at XXXX XX/XX/24 asked for supervisor sat on hold for XXXX waiting hung up and called again Spoke to supervisor at XXXX on XX/XX/24 who stated I was yet again denied and unless I filed a police report it would be denied again and sent me the cloud upload link Filed police report at XXXX on XX/XX/24 and attempted to upload info to the document cloud received email that they can not receive it that way again. 

Things chime has asked me for : XXXX of my location at the time as the transaction occurred outside my location- gave them time stamped photos and the geo stamp putting me in XXXX and XXXX  AND purchases made in my town proof I worked that day - submitted time sheet proof of denial to unauthorized charges- submitted texts to verification number XXXX denying the charges
Product: Money transfer, virtual currency, or money service

A chase scammer gained remote access to my computer which I shared and induced {$2200.00} out of my account over 2 days though XXXX ( chase ) and Chase bank won't follow regulation E and give me a refund. I don't know what to do next, I feel badly scammed. 

XXXX XXXX These are the two chase XXXX  transactions that I was scammed on.
Product: Credit reporting or other personal consumer reports

I contacted Experian by phone on XXXX to report an inaccuracy being presented on my consumer report. I requested to have this account ( XXXX XXXX XXXX ) removed because the account does not belong to me. Further, XXXX XXXX XXXX violated the FDCPA rule 809 since I was not notified in writing prior to this alleged debt being reported on my consumer report. 
Experian is now requiring me to provide personal information and explain ( prove ) why this alleged debt/account does not belong to me. However, the entity ( XXXX XXXX XXXX ) was not required to provide any information whatsoever to prove the validity/accuracy of this alleged debt. Why do I ( the consumer ) have to prove why an account that was never validated DOES NOT belong to me when the entity is not required to do the same prior to reporting the account on my consumer report.

The verifying documents that are being requested of Experian ( from me ) have already been provided on numerous occasions via certified mail. I have attached these documents for review. Where are these documents being stored and why am I continually having to provide them when I identify an inaccuracy on my account.

It seems that the credit bureaus are more supportive of reporting inaccurate information without any validation as opposed to recognizing an inaccuracy identified by the consumer and removing that inaccuracy in accordance with Fair Credit Reporting Act and FDCPA rule 809, Validation of Debt requirements.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two inquiries in my credit report that I did not authorize and both inquiries should be removed. 

1- Inquiry from CAPITAL ONE BANK USA on XX/XX/2021 2- Inquiry from XXXX - CARD SERVICE on XX/XX/2021
Product: Checking or savings account

I am trying to verify my account information through an outside party and they have my information locked.
Product: Credit card or prepaid card

I tried to apply for XXXX XXXX XXXX XXXX XXXX from Chase, but I keep getting the same error message " You are not eligible for the new cardmember bonus because you currently have or had a XXXX XXXX XXXX card from XXXX XXXX or a XXXX XXXX card from XXXX XXXX, as described in the eligibility criteria. " And my application got automatically denied. However, I do NOT have these cards as indicated in the error message. Please ask Chase to fix their system.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this letter in response to the information provided in my credit report. Pursuant to 15 USC 1681e ( b ), I am exercising my right to dispute the accuracy of the information contained in my credit report. I have reviewed my credit report and found that there are errors and inaccuracies that need to be corrected. Specifically, [ describe the errors or inaccuracies in detail, including the account name and number, and any other relevant information ]. I have attached copies of supporting documents that prove the inaccuracies in my credit report. According to 15 USC 1681i ( a ), the credit reporting agency has 30 days from the receipt of my dispute to investigate and correct any inaccurate information. I request that you investigate and correct the inaccurate information in my credit report as soon as possible. Furthermore, I also request that you provide me with a written report of the results of your investigation, as well as a copy of my updated credit report. If you need any additional information from me, please let me know. I would like to remind you that it is your legal obligation under 15 USC 1681e ( b ) to ensure that the information in my credit report is accurate and up to date. Failure to comply with these code compliance procedures XXXX result in legal action. Thank you for your prompt attention to this matter. Sincerely, XXXX
Product: Credit card or prepaid card

I was enrolled in a credit insurance program without my consent. When I contacted XXXX, their only advise was to contact the company directly because they were a 3rd party, XXXX XXXX XXXX XXXX. Mind you I never enrolled in this program and XXXX know how I was enrolled.
Product: Vehicle loan or lease

the message is for exeter finance. i was the victim of fraud and id theft and i called the company about this so that they were aware. i explained to them that i want the account closed due to this. they refuse to do so, and i will be getting the NC DOJ involved sooner or later. i sent them a copy of the ftc id theft report and a copy of the police report.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint against Experian for repeatedly denying my credit disputes based on the use of form letters, despite my efforts to comply with the required procedures for disputing inaccuracies on my credit report. 

I have been submitting dispute letters to Experian to address inaccuracies in my credit report. Each dispute letter is personally signed by me and includes copies of my driver 's license and a utility bill to verify my identity. Despite this, Experian continues to reject my disputes, citing concerns that the requests do not appear to be sent directly by me or authorized by me, due to the use of form letters. 

Experian 's response to my disputes, as detailed in their recent communication, is that if the completeness or accuracy of any item of information contained in a consumers file at a national consumer credit reporting company is disputed by the consumer and the consumer notifies the company directly of such dispute, the company shall reinvestigate free of charge. However, they are not adhering to this requirement, as they are dismissing my disputes solely on the basis of the format of my letters. 

This repeated refusal to process my disputes based on the use of form letters, despite providing the necessary documentation and following the prescribed procedure, is preventing me from effectively addressing inaccuracies on my credit report. It seems to me that Experian is unfairly penalizing me for using a form letter, which is a tool I use to ensure my disputes are correctly formatted and include all necessary information.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credt Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, has violated my rights. 1 looked at my XXXX credit report on XX/XX/2024 and noticed some things are Incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report & shall follow reasonable procedures to assure maximum possible accuracy of the information conceming the Individual about whom the report relates according to 15 USC 1681 ( eXb ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in XXXX, ater any reinvestigation under paragraph ( 1 ) of any information disputed And according to 15 USC 1631i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( Ajin generalit, afer any reinvesfigation under paragrach ( 1 ) of any information disputed by a consumet, an bem of the information is found to be inaccurate or incomplese or can not be verfied, the consumer reporting agency shan.- ( promply delete that item of information from the file of the consumer, or modity that tem of information, as appropriate, based on the results of the reinvestigation ; and ( " promptly notty the fumisher of that information that the information has been modfied or deleted from the tie of the consumer and according to 15 USC 16818-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency il the person knows or has reasonable cause to XXXX that the information is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account : - XX/XX/XXXX - {$1300.00} - XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$1000.00} - XXXX XXXX XXXX XXXX  XXXX XXXX - XX/XX/XXXX - {$540.00} - XXXX XXXX XXXX XXXX  XXXX XXXX XXXX - XX/XX/XXXX - {$290.00} - XXXX XXXX XXXX XXXX  XXXX XXXX XXXX - XX/XX/XXXX - {$89.00} - XXXX XXXX XXXX XXXX  XXXX XXXX A 5 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
Product: Mortgage

I'm aiming to handle the escrow account independently instead of through Wells Fargo, but they've informed me that with my XXXX at XXXX XXXX, it can't be removed unless I invest {$20000.00} into my mortgage. Despite the property appraisal last year resulting in the removal of my PMI due to property appreciation, I believe I have enough equity to eliminate the escrow account, meeting all the necessary criteria. 

How can I remove my escrow account if the bank doesnt allow me to? 

Please advise.
Product: Debt collection

I am writing to dispute an error on my credit report related to my account with XXXX XXXX XXXX  XXXX. Due to a technical error, my account was inaccurately reported as late, which is causing a negative impact on my XXXX XXXX. However, I have been in contact with the banks, and they have acknowledged the error and agreed to update the account status to open and never late. XXXXXXXX XXXX XXXX  XXXX XXXX and XXXXXXXX XXXX XXXX XXXX XXXXXXXX