23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

So I had an issue with identity fraud and my XXXX  XXXX XXXX account went into collection and I disputed it in a first letter and it came off from collection but the account still shows up on my credit reports with negatives impacting my credit.
Product: Credit card or prepaid card

Late last year I opened a credit account with Bank of America, due to the terms and rewards advertising I decided to apply and was approved. Then about 4 or 5 months later they closed the account without explanation and told me they would not reopen it. I then asked if that would affect my rate to which they responded that it would not so I kept making my minimum payments since I figured at zero percent I was better to do it that way. Suddenly my minimum payment goes up about 3 or 4 months ago. I told them what the problem was and they told me I qualified for no such thing ( zero interest ) and in fact I had been always paying interest, and now my promotion was over and my interest was to be 28.99 % to which so far they have changed several times, I think the last one they gave me was 20 or 21 %. First they gave me a rate that was low or so I though and then they close the account without me being able to accumulate more rewards or take advantage of the rate for the full terms. These people should not get away with this, without someone doing something about it. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/XXXX XXXX  XXXX has been reporting false information to my credit le held by their organization. I aware that Public Records type information is public. I am also aware that main provider of this information is XXXX. Therefore, XXXX  XXXX is in violation of the Fair Credit Reporting Act for false reporting. 

My rst attempt to resolve the false reporting of information was received via certied mail USPS ( XXXX ) on XX/XX/XXXX. In the letter I challenged the accuracy, compliance and report-ability of the listing. XXXX XXXX  responded with a letter claiming to have veried the public record. I sent a letter to the UNTIED STATES BANKRUPTCY COURT - XXXX XXXX of Alabama formally requesting their procedure for verifying records with the credit reporting agencies. The Bankruptcy Clerks Ofce stated, Credit reporting agencies regular collect information from the petitions led and report the information on their credit reporting services. How did XXXX XXXX verify the public record if creditor, in this case, UNITED STATES BANKRUPTCY COURT does not provide information to credit reporting agencies? 

My second attempt was received via certied mail USPS ( XXXX ) on XX/XX/XXXX. I again requested validation, accuracy, compliance and report-ability of the listing. I also attached the letter from the UNITED STATES BANKRUPTCY COURT, and requested their method of validation, and declare an opt-out of e-oscar verication. Once again XXXX XXXX response deemed the information veried. 

Laws I can potential le for : 1 ) FCRA Section 623 XXXX, v. XXXX XXXX XXXX US Court of Appeals of the Third Circuit Court Case XXXX XXXX XXXX XX/XX/XXXX, Filed ( D.C. No. XXXX ) 2 ) US Court of Appeals, Ninth Circuit, No. XXXX, XXXX vs. XXXX XXXX FCRA rules allow for up to {$1000.00} per violation. First Communities will also be liable for any court fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously disputed this company and asked that they send the consumer a LEGAL BINDING CONTRACT that has both legible signatures ( from myself and the company entity stating that there is a contractual agreement between both parties. What the consumer received was anything but. The consumer specifically asks for the entity to produce legalities that the alleged account indeed belongs to the consumer. Yet they have chosen over and over again to send the consumer what they feel is needed, which is UNACCEPTABLE. This game that the company is playing should be pointed out that if they are unable to produce the legality of the alleged account then the account should be REMOVED IMMEDIATELY. THE COMPANY IS CONSISTENTLY VIOLATING LAWS. I will upload the latest letter that was sent to the consumer about the matter.
Product: Mortgage

We got a loan modification with XXXX XXXX XXXX. 
XXXX XXXX XXXX sold loan to Selene Finance but did not send modification paperwork with sale ( per Bankruptcy Lawyer ). Per FHA Selene finance has reported that we have not paid loan in 1 year and has petition Bankruptcy court to remove automatic stay to proceed with foreclosure. The amount under the modification is XXXX per month. Selene Finance has stated we should pay XXXX. The initial court date with Selene has been reset because they did not know about the modification and are trying to authenticate and validate the paperwork. We have filed dispute with credit bureaus alerting them to the erroneous information that has been reported by Selene finance. There is plenty of bad press on the web and facebook about this company and everyone has the same issues. I explained to the Selene finance Bankruptcy Department that XXXX XXXX XXXX should have included the modification paperwork in the sale of the property. I was told that if the modification checks out they might be able to go back and change payments to reflect accurately. But we have not heard anything. The reset court date is 2 weeks out. My main concern is that Selene finance did not return any of the modified payments made and did not look into the complaint we made about which mortgage is correct.
Product: Mortgage

Newrez mortgage service took over my loan about 1 year ago. They stated that I did not have home insurance and that they would have to put me with lender placed insurance if I did not provide proof of insurance. I had insurance and provided proof through their web portal and by email multiple times. Newrez added lender placed insurance anyway. I then had my insurance company make contact and send proof as well. Lender placed insurance was removed but the escrow account remains and my mortgage bill is approximately {$300.00} more each month than it should be. I can no longer afford that extra amount.
Product: Credit reporting or other personal consumer reports

Under 15 U.S. Code 1681e, it is your responsibility, as the credit reporting agency, to verify the accuracy of this information with the reporting creditor. If you are unable to provide proof of the alleged late payments, I ask that you update my payment history to reflect a " PAANL '' ( Paid as Agreed, Never Late ) status, in accordance with consumer protection laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 2 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX gave me a free credit score via TransUnion, even though my credit is frozen with them and the other two agencies. Don't remember the exact date I did the freeze but it's been over a week ago for sure. 

I was alarmed by this and contacted XXXX customer service. XXXX told me to talk to TransUnion. 

I called TransUnion on XX/XX/20 and they told me that no one had accessed my account, even though XXXX was able to provide an accurate credit score. 

Somebody seems to be lying ....
Product: Debt collection

Penn Credit Corporation has sent a debt validation letter received on, XX/XX/XXXX. The letter indicates they are attempting to collect on a debt owed. The Credit collection agency advises they are collecting on behalf of XXXX XXXX. As indicated in a prior CFPB complaint # XXXX with debt collection agency, XXXX XXXX XXXX who attempted to collect on the same debt from XXXX was advised the Account with XXXX has been CHARGED OFF AS A LOSS. A charged off debt can not be collected for the amount Penn Credit Corporation is attempting to collect. A charged off is according to IRS publications is a Certificate of Indebtedness, which means it is income. This income is to be reported on a federal income tax, I am not to send your company Penn Credit Corporation nothing. I do not owe you and DO NOT HAVE ANY CONTRACTUAL AGREEMENT THAT INDICATES I OWE YOU OR HAVE TO PAY YOU ANYTHING. Your company is a non-affiliate third party of XXXX XXXX illegally you have accessed my non-public information from XXXX in XXXX breach of contract with myself. Your company Penn Credit Corporation has illegally received my non-public information violating my rights of privacy within the Privacy Act of 1974. I believe Penn credit Corporation has received my information from First collection Agency, after there attempts to collect on the debt was disputed/deleted and removed. I will say this if your company Penn Credit Corporation sells my non-public information to another collection agency I WILL SUE YOUR COMPANY FOR DAMAGES AND VIOLATIONS PURSUANT TO YOUR COMPANIES VIOLATIONS WITHIN THE FDCPA. I REPEAT IF MY INFORMATION IS SOLD I WILL SUE YOUR COMPANY FOR SELLING MY NON-PUBLIC INFORMATION WITHOUT MY CONSENT OR PERMISSION PURSUANT TO MY RIGHTS OF PRIVACY of the Privacy act of 1974. Please note your company is a non governmental entity and you are not to have my information unless I give you permission to have it. There is no balance with XXXX has I stated the account was charged off as a LOSS. A Cancellation of debt was administered to the IRS for this debt. Penn credit corporation is illegally attempting to receive assets/ funds illegally attempting to collect on a debt that has been cancelled. The original debt validation letter your company Penn credit corporation has sent me highlights several violations pursuant to the FDCPA. I am attaching the letter, I have also attached the CFPB complaint XXXX, that indicates another company has attempted to collect on this debt. Both collection agency companies and XXXX are participating in money laundering. As I stated XXXX has charged off this debt I OWE YOUR COMPANY PENN CREDIT CORPORATION NOTHING. I DISPUTE THIS INFORMATION YOU SENT AND IF MY INFORMATION IS SOLD TO ANOTHER I WILL FILE A LAWSUIT AGAINST YOUR COMPANY. I have attached the violations pursuant to your company Penn Credit Corporation on the letter you all sent dated XX/XX/XXXX. I am willing based upon your companies violations of the FDCPA to settle your civil liabilities. I ASK THAT YOU READ THE LETTER ATTACHED AND TAKE CARE OF THESE MATTERS DUE TO YOUR COMPANIES FALSE AND MISLEADING PRACTICES.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some Personal Information. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights due to the following : 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: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX XXXX XXXX, XXXX, Equifax, and XXXX  several times. I have sent multiple letters and made multiple phone calls. The account with XXXX XXXX XXXX is invalid, and inaccurate. The account is not mine. My data was compromised in the Equifax data breech. XXXX, Equifax, XXXX  have failed to verify this account. I have not received any document as what method was used to verify this account. The bureaus have willfully reported negligent information despite being informed serval times.
Product: Credit reporting or other personal consumer reports

I opened a XXXX XXXX account. I fund this account thru automatic drafts. After a year MoneyLion then deposits in my account XXXX dollars money that I funded. Its a savings account. I cant afford the fees. I have asked Money Lion to close the account and refund my savings account payments. They have said I have a late payment and are adamant this is a loan and not a savings account and report it as such to the credit bureaus. And will not close the account until I make good on the past due.Ive argued that the past due are funds I pay myself into a savings account that I benefit from financially. Regardless I cant afford the payment. Im XXXX  and live on SS. And for whatever reason I cant even get a job XXXX XXXX. Im a nationally cerified XXXX XXXX and XXXX  XXXX who over saw XXXX kitchen installations. Im more than qualified to stock shelves. With a job the payments arent an issue and this is a savings account that would benefit me. The issue is Money Lion says its a loan. I say its a deposit account into a savings account that I in turn then benefit from a XXXX dollars based on my payments. 
Im being penalized and if not stopped this auto draft will severely affect my ability to pay utilities, food, and fuel. I could lose my home that i own. I need it stopped NOW. Money Lion says they will close it after I pay a fee and the past due payment. Its not a loan. Its a savings account. I should be refunded instead of penalized.

I do want to say that Money Lions Credit Builder acct can be beneficial. I cant afford it. Money lion has made it very difficult for me to close the account and will cause me greater financial distress. Thats why I want it closed and my savings deposits refunded.
Product: Mortgage

Wells Fargo has failed to modify my second loan under the MP2 program. Specifically they have provided false information and refuse to identify a monthly payment -- I do not believe this program mirrors my first loan. While WF has told me they would be sending the correct information, they have not. Instead I received a call from a XXXX XXXX stating that the loan was going to be canceled since I would n't agree to their terms. How can I agree to terms that have not been identified is beyond me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the accounts have violated my rights : Dept. of EXXXX XXXX XXXX sectioned into 18 accounts ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXr XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit card

I called into avant credit card company asking why after I paid my account off in XXXX is it still showing active and also a balance. I settled and closed this account. I asked her to email a letter in writing and she kept putting me on hold after every question i asked her. she came back to tell me due to their company policy XXXX ( myself ) can not release authorization to the credit bureau for my Mortage company. ( what?!! ) I told her I have never heard of the credit card company stating I can't release my own information. Also I asked for the information in writing stating this account was suppose to be deleted she said she could not provide that to me. this account has yet to be updated and removed and still shows active after 60 days of my payment. this is so ridiculous I have to fight for what was promised to me after I paid to have this account settled and removed. I never received a letter and they will not issue a email. all I have is my bank statement proof and when I log on m y avant account its shows the debt was settled but still shows active after I closed it.
Product: Mortgage

In XXXX I contracted XXXX and was hospitalized for 3 months where I battled the XXXX and almost XXXX. Because of theXX/XX/XXXX I was out of work and fell behind on my mortgage payments while I suffered from residual affects of XXXX. I went through the cares act Covid-19 forbearance with SHELLPOINT MORGAGE SERVICING for 12 months. In XXXX of XXXX SHELLPOINT MORGAGE SERVICING agreed to a mortification of my loan. I began my trail payments of {$1600.00} onXX/XX/XXXX, and I made all my payments on time each month for the 6 month trail ending in XXXX XXXX. I even made an extra payment of {$1500.00} and {$150.00} and XXXX because SHELLPOINT MORGAGE SERVICING said I was behind and they just held the money in unapplied status to my loan even as of today. I then received a letter on XXXX saying that I am not eligible for the loan modification because I withdrew my request for a loan modification before the evaluation process was completed, which is totally untrue I never withdrew from the modification process. 

SHELLPOINT MORGAGE SERVICING is FRAUDULENT because they lied and said they did not receive my payment and held the funds in unapplied status. 

SHELLPOINT MORGAGE SERVICING is DISCRIMINATORY because the lied saying I withdrew from the loan modification process which I did not because I am an XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

From XXXX through XXXX of XXXX, an Equifax Inc. website vulnerability allowed criminals to gain access to my name, social security number, birth date, addresses, drivers license, and credit card numbers. My information has been compromised through ineffectual and irresponsible handling of critical data.
Product: Checking or savings account

On XX/XX/XXXX, XXXX fake check transactions were deposited into my checking account, each {$170.00}. After speaking with the person who sent the deposit, my husband and I realized that it was a scam and sent the money back through the XXXX XXXX. However, we didn't realize until the next day that Wells Fargo had charged our account for the fake checks. I called Wells Fargo to explain what had happened and apologized for any inconvenience caused. I also informed the banker that my check was directly deposited, and she provided me with a new checking account number with the same routing number and ordered new checks for me. I then contacted my Human Resources department to inform them of the situation, and they were able to deposit my check into the new account number. 

On Wednesday, XX/XX/XXXX, I received a call from Wells Fargo, but I missed it. When I returned the call, a gentleman informed me that Wells Fargo was going to cut ties with us and that I had until XX/XX/XXXX to get my affairs in order before the account was closed. When I asked why, he refused to give me a reason. I requested to speak with a supervisor and was put on hold for XXXX minutes before a woman answered. She explained the same thing and also refused to give me a reason. I told her that it's like punishing a child without telling them why, but she still refused to answer. So, I told her goodbye. 

After the call, she blocked my check and sent it back to my job. We are on XXXX XXXX, so I don't have any money, and my property taxes have to be paid by XX/XX/XXXX. Bill collectors have been calling me, and this has been the worst experience ever. My daughter 's account is connected to mine, so she also sent her check back. I went to the local Wells Fargo bank in XXXXXXXX XXXX  and the assistant XXXX tried to help us by taking my name off my daughter 's account. She called the fraudulent department to see if they could open a new account for my daughter, but they said no. The XXXX explained that my daughter had nothing to do with the situation, but the woman in the fraudulent department was very unhelpful and rude. 

I have called and emailed Wells Fargo 's corporate office, but no one has gotten in touch with me. I know that I may not matter, but my life has been turned upside down because of a mistake, and I'm still questioning the reason why Wells Fargo is cutting ties with me. All of this has been caused by one person in the fraudulent department. Please help me!
Product: Debt collection

I paid {$5100.00} for a security system that did not work. That is the hardware In early 2023, I requested my fourth follow up visit to get the system fixed. The rep took {$800.00} from me said he would go home to get actual parts needed and never returned. This system does not work. I paid my bill in full for 6 months ahead. They actually owe me a refund and have debt collectors calling me and my family
Product: Credit reporting or other personal consumer reports

There has been a number of fruadulant inquiries on my personal credit report. I need these removed immediately. 

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 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: Payday loan, title loan, or personal loan

I keep getting threatening phone calls from a company called XXXX, for a debt that was paid by me and my old bank XXXX XXXX XXXX XXXX, in XXXX XXXX, Iowa. I paid over {$9000.00} last year on XXXX XXXX to pay off all or any outstanding debt I had. I have a confirmation number for this particular former debt that went from {$550.00} down to {$500.00}. in a settlement to pay the debt off!. I am not getting the credit apparently after I paid it they are trying to double dip on me. Here is the confirmation number as follows : XXXX - File number XXXX, I spoke to a XXXX back in XXXX of 2021, she took the payment from my bank debit card. A person named XXXX XXXX keeps calling me harassing me from XXXX, saying they are coming to my job, to arrest me, XXXX told me today XXXX is a XXXX  XXXX. She threatened to arrest me over {$550.00} that has already been paid by me and my former bank in Iowa! This is very scary! Its even been removed from the credit bureaus since I paid it for Check and Go I believe the name of the company is on XXXX XXXX XXXX, XXXX XXXX, Iowa XXXX. They asked for my birthdate and last four of my social # today to confirm it was me to unlock the account for me. ITS PAID! 
Sincerely XXXX XXXX - XXXX.