23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In XX/XX/XXXX I signed loan number XXXX for $ XXXX with XXXX XXXX, and soon after they filed BK in New York. The then servicer XXXX promised me a no cost loan modification with the Federal Government HAMP program. I have made all my payments to all the servicers including XXXX XXXX loan number XXXX on time and was never late, therefore I received Principal payments from the Government which were never applied correctly to my loan. In XX/XX/XXXX I got divorced and had to file BK. My non negotiable instrument somehow allegedly changed hands from XXXX Loan Number XXXX to XXXX loan number : XXXX to the recent Caliber loan number XXXX. Now I have come to understand via a ruling of the State of California that chain of title has been broken and that my contracts have been breached. Therefore I have had to hire the Consumer Law Attorneys to investigate my loan and attach a signed authorization for Caliber to  send them all the requested documentation as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a secured personal loan with XXXX XXXX XXXX. The amount of the loan was {$500.00} and I deposited more than {$600.00} in the account to cover the loan and its interest. The banker who setup my secured account also told me he will setup auto payments to come out of my account into the {$500.00} loan. Fast forward 1.5 years later the loan and the interest have been paid off however I find out that XXXX XXXX XXXX charged me a fee for every month the auto payment was done on my loan payments. So now even though the loan and interest is paid off, there remains {$180.00} just in bank fees being reported on my credit report and negatively hurting my credit. I called XXXX XXXX XXXX to get a resolution and both occasions the representatives kept me on hold and then dropped the phone. I need help with this, there should be no reason I have a balance with XXXX XXXX XXXX when the loan and interest was satisfied. The {$180.00} is strictly fees and nothing else and that is predatory on the part of XXXX XXXX XXXX.
Product: Bank account or service

I have sent a letter to Wells Fargo accusing them of theft ( stolen money later returned ). This is a criminal accusation. The following is the letter : XXXX XXXX, CEO XXXX XXXX, CFO Wells Fargo XXXX XXXX XXXX XXXX XXXX XXXX, Ca. XXXX In regards to criminal theft by Wells Fargo Bank and age bias. 

I have been dealing with your bank for many years. Besides checking accounts, I have credit card accounts, a {$27000.00} line of credit, a mortgage ( my home ), and possibly other accounts which I either can not remember or do n't know about. 

When I opened a checking account in your bank, I was convinced to open other accounts ( such as savings ) which would create " greater convenience for me. '' I asked if there would be any fees involved with these additional accounts. I was told there would never be any fees. It was a lie. Some months later, one of the accounts was billed a {$30.00} " annual fee. '' I feel this was done to me because of my age ( XXXX years ), figuring I was too senile to notice. I complained. The fee was reversed and that account was closed. 

XX/XX/2015 your bank managed to STEAL {$7500.00} ( plus fees ) from me. 
I had a balance in my checking account of about {$5000.00}. I deposited a check in the amount of {$7500.00} which bounced. The bank never added {$7500.00} to my account, but instead STOLE {$7500.00} of MY money giving me a negative balance. The bank caused my credit card to advance this balance to the checking account to XXXX out the account. A cash advance fee was charged as well as a bounced check fee as well as interest. 
I believe the bank felt that since I am old ( XXXX years ), I probably would never discover that I was a victim of THEFT and let the bank keep the money. I went to the bank enraged. I controlled myself and confronted them with what the bank had done. The individual I spoke to said that what happened was appropriate, it " was a promise. '' He essentially accused me of trying to defraud the bank, but it was actually an outright THEFT of {$7500.00} of MY money from me by the bank. I had a difficult time trying to control my anger. When I finally convinced the bank person that I was right, the THEFT ( withdrawal-promise ) by the bank was repaid, my credit card was repaid and the fees were reversed. Later, I deposited a replacement {$7500.00} check in the account -- which did not bounce. I made sure they added it to my account balance. 

I believe I have a right to file a CRIMINAL accusation of theft against the bank in addition to criminal age bias. 

I am being treated for XXXX. When I think about what the bank did, I become enraged, and needless to say my XXXX. 

Would the bank care to compensate me for the turmoil caused me? I have not sought legal advice -- yet. I feel sure this is a criminal matter, and from what I read in the newspaper and seen on the news, it is one of many criminal matters. 


Yours truly : XXXX XXXX, XXXX XXXX XXXX XXXX. 
XXXX, Ca. XXXX XXXX XXXX
Product: Mortgage

The mortgage has an escrow account to pay insurance and property taxes. Our account is in good standing and yet the property taxes are unpaid. We received notice in the mail about unpaid taxes- {$7300.00}. Loan was sold so we had to " wait '' for new servicer. Called them on the day the account transferred XX/XX/XXXX. They said call back in 3 business days. Called back on XXXX was told to email over the unpaid tax bill and they'd take care of it and would let me know that it had been. They needed 72 hours to handle. Checked county records still not paid. Called again on XX/XX/XXXX, was told the check would be cut by XX/XX/XXXX. They would cover the penalty of {$730.00}. As of XX/XX/XXXX still no check cut and taxes are still unpaid. The first round of taxes was due XX/XX/XXXX, second round was XX/XX/XXXX. Both at unpaid as of XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, and XXXX XXXX XXXX Account XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Money transfer, virtual currency, or money service

I have an account at XXXX pras.shar XXXX XXXX XXXX There were unauthorized activity on my account and my account was closed. Despite me attempting to explain to XXXX and show that I did not carryout any violations of their terms, I was unable to appeal to anyone at their company. 

I have been unable to utilize my XXXX account now for 3 years. I also have funds stuck in the associated PayPal account which is linked to XXXX, as well as XXXX gift cards that I also can not access. 

There is a clear divide between the customer service and executive and compliance portions of XXXX and PayPal meanwhile I am stuck unable to be a customer of either service nor redeem my funds. 

A simpel review would have been sufficient to undo the ban that was placed on my account. It appears my account was closed under suspicioun of multiple accounts but this was not done by. me. 

At the time of these events I was only a student. Now I am a working professional and am aware of my rights as well as arbitration agreements and local civil suit procedures. 

HOWEVER, I don't want to do any of that. All I ask is the rightful department finally see the issues that occurred here. Admit to the oversight of closing my account unjustly. And just allow me to be a customer again. Both for XXXX and the PayPal account where my funds were stuck for so long. 

I know if there is a review done, they will see that I did not break any rules and their investigation process was not thorough and I was mistakenly banned. Please reopen my XXXX account and my associated PayPal account. And I will cease any further action. 

Thank you!
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX VIA FAX XXXX 3 PAGES XX/XX/XXXX Docket Number : XXXX  Index Number : XXXX Docket Number : XXXX Index Number : XXXX Dear XXXX XXXX ; I am in receipt of the two notices of garnishment received by regular mail Tuesday.

Please be advised of my interaction with Stephen Einstein & Associates and respond accordingly. I will have this order vacated based on the fraudulent activity of that firm. After receiving a collection letter from them and making contact in XX/XX/XXXX, I had several disturbing conversations with a XXXX XXXX from Stephen Einstein & Associates regarding XXXX XXXX XXXX XXXX XXXX. Based on his grammar, unprofessionalism and telephone demeaner, I pretty much determined this was some type of scam. XXXX XXXX then began harassing me via telephone. I have continually asked for proof that this debt is indeed mine, on the telephone, by snail mail and email. XXXX XXXX XXXX XXXX Debt was NEVER mentioned in all that time or any of these conversations.

I then contacted the firm via email, asking that XXXX XXXX stop harassing me by telephone and that I be provided with the proof Ive been demanding for over a year. XXXX XXXX at Stephen Einstein replied to my email promised the calls would stop and I would be provided with documentation. THIS NEVER HAPPENED AND I NEVER HEARD FROM THEM AGAIN.

Further confirming my suspicions that this was fraudulent. To now find they have sought not just one but two judgments is absolutely dumbfounding. This truly seems to be punitive, this firms is harassing me based on my insult to XXXX XXXX and his terrible grammar -I still dont believe he is a lawyer. Maybe he is acting alone, but his behavior is not only egregious its fraudulent.

I was never served, never given the opportunity to defend myself, and I was never presented with the evidence against me.

Please contact me regarding my next step in vacating this fraudulent judgement and subsequent garnishment.

Sincerely, XXXX XXXX CC : Stephen Einstein & Associates via email XXXX
Product: Credit card

I received an alert stating that an application had been submitted for a credit card. I did not apply for a card and immediately called to report it fraudulent and froze my credit reports.
Product: Credit reporting or other personal consumer reports

I am submitting this follow-up complaint to apprise you of the ongoing issue stemming from my previous report concerning identity theft. As outlined in FCRA Section 605b, Credit Reporting Agencies are mandated to expunge any items identified in an identity theft report, particularly in my case with reference # XXXX. Enclosed, please find the attached documents supporting the removal of erroneous information and inquiries erroneously posted on my reports. The following is a list of items that do not belong to me or were opened without my consent : -- -- -- -- -- -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 XXXXEQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Per FCRA Section 605B ( a ), Credit Reporting Agencies are obliged to remove any items identified by the consumer as information resulting from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX  XXXX Account Name : UNKNOWN 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: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX EMPLOYER : XXXX XXXX XXXXXXXX XXXX  ADDRESSES : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, AZ XXXX INQUIRIES : XXXX XXXX XXXX XX/XX/2020 XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX AD XXXXXXXX XXXX XXXX XXXX-KS XXXX XXXX  NAME XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XX/XX/2020 XXXX : XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX ADDRESSES : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX  XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX EMPLOYER : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : AD XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

WELLS FARGO DEALER SVC XXXX XX/XX/2015 Under the Fair Credit Reporting Act, 15 U.S.C . 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT XXXX XXXX COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX XXXX : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Medical Data Systems Inc. and let them know their information was wrong and they got the incorrect person and they ignored it and now placed a {$52.00} collection on my credit report. They need to review all the paperwork and signature for this issue and get this corrected. I saw reviews on the company that they do this kind of thing all the time to people and this need to stop.
Product: Credit reporting or other personal consumer reports

I am writing to dispute a hard inquiry listed on my credit report that I believe is inaccurate and unauthorized. 

Creditor Name : ALLY FINANCIAL Inquiry Date : XX/XX/year> I did not authorize this inquiry, and I have no record of any application or credit request with the mentioned creditor. As such, I request that you investigate this matter and remove the unauthorized hard inquiry from my credit report. 

I understand that, under the Fair Credit Reporting Act ( FCRA ), you are required to investigate disputes within 30 days. I request that you conduct a thorough and timely investigation into this matter, notify me of the results, and make the necessary corrections to my credit report.
Product: Credit reporting or other personal consumer reports

Delete late payments I have read my credit report and I see an inaccurate and unlawful account. It has several late payments which are erroneous. The information listed is not aligned whit the other bureaus. This is a big violation of FCRA, please verify these late payments that you claim I did commit. SEND ME documents such as contracts, billing statements, signed agreements and the representatives you spoke whit who verified it WITH AN affidavit. If the requested documents are not met. Please remove these erroneous and unlawful late payments on my payment history like XXXX did. 

I DID MY RESEARCH AND HERE ARE THE LAWS YOU ARE VIOLATING : XXXX XXXX Code ss XXXX ( b ), it's crucial that consumer reporting agencies take reasonable steps to ensure the highest possible accuracy of the information concerning an individual in their reports. 

XXXX XXXX XXXX ss XXXX XXXX ( b ), it is stated that when a consumer reporting agency prepares a consumer report, it must follow reasonable procedures to ensure the highest possible accuracy of the information concerning the individual. 

I am fully aware the under XXXX XXXX Code ss XXXX ( XXXX ), it is stipulated that if, after a reinvestigation, any disputed information is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete or modify that information accordingly and notify the information LATE PAYMENTS DATES AND ACCOUNT NUMBER Account Name : XXXX XXXX Account Number : XXXX Account Type : Credit Card Responsibility : Individual Date Opened : XX/XX/XXXX Status : Paid, Closed. 
Status Updated : XXXX XXXX Balance : - Balance Updated : - Recent Payment : - Monthly Payment : - Credit Limit : {$500.00} Highest Balance : {$800.00} Late Payment Date : 1 ) XX/XX/XXXX 2 ) XX/XX/XXXX 3 ) XX/XX/XXXX 4 ) XX/XX/XXXX 5 ) XX/XX/XXXX 6 ) XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and noticed some accounts I would like more clarity on some inaccuracies and inquiries I am unaware of. 

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. 

Acct Name : 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 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 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 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.

These inaccuracies are stopping me from being able to get a new home for my family.
Product: Student loan

I have requested documents numerous of times so my payments will stop. i am unable to make payment to navient. i was told i will receive documents in the mail and my payments will be put on hold. my payment were put on hold for a few months but i never recieved the required documents navient said they will send me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an alert on my credit report from Portfolio Recovery Associates that I owe XXXX XXXX, {$350.00} in which I never have done any services or relationship with at all!! The item appeared on my report XX/XX/2020. I did not receive anything on paper from neither just my credit report. I dont have any dealings with XXXX XXXX!
Product: Payday loan, title loan, or personal loan

In XX/XX/2021 my vehicle was taken for being 30 days late during the pandemic. No notice left, no contact with me. I owed {$1500.00} left on the account. I paid $ 1500+ when I got it back. Now years later after I tried to get my title back and contact them I wake up and my car is gone? Called the police to report it and they said even if it was repossessed they have 30 minutes to notify them of any repossessions. Title max is telling me that I cant get it back without paying {$3000.00} my entire loan amount or its sold in 10 days. THEY TOOK IT FROM AN ADDRESS WHERE I CARE FOR AN XXXX  WOMAN FOR WORK. I was literally at WORK. All of my personal stuff. My wallet. Etc. there isnt even a Titlemax in Illinois!!! But they keep telling me to call them. My heart is broken. From the beginning its been horrendous. The day I got my loan they didnt even give me what I was fully qualified for because they didnt want to restart the loan because it was closing time. They CHANGED my income to be more because they said they cant charge me more than a certain percentage of my income for my monthly payments. I have tried and tried to call and reach someone to speak about these obscurities and no one can help me. They give me a number to call for Illinois and it only ever says Im calling after hours. My original loan amount was {$3000.00}. I made at least half the payments before they took it the first time and paid them over {$1500.00} when they took it. Now I owe them $ 3,000+??