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

I am filing this complaint in regards to the company Onemain financial. I signed a fraudulent contract on XXXX XXXX with a finance balance of { {$3000.00} }. Which is at 29.97 % .Since then I have paid a total of { {$730.00} } and as of today XXXX XXXX my balance has only decreased by { {$190.00} }. This company has not applied any payments that I have made to my principle balance of the loan. This company is illegally charging high interest on this account that is not even being documented properly. Also I reached out to them on multiple occasions through mail and phone and have asked why the balance hasn't decreased and why the balance was still very high although I have been making payments and this company 's only response is that its from interest.This is fraud!! The total amount of interest paid to date is { {$540.00} } which is unfair but not even that only { {$190.00} } was put towards principal why hasn't the payments been applied to the principal balance that on a loan of { {$3000.00} } at 29.97 % .Onemain Financial is still saying I owe a sum of { {$2800.00} } .this is malicious and deceptive practices. OneMain financial is also also reporting inaccurate data which has effected my credibility, creditworthiness and reputation.Which is fraud? Please see the attached statements and current statements.
Product: Student loan

Received calls from XXXX loan debt collector that is not associated with XXXX loan debtor company. Callers call phone number but do not leave any voicemail. Attempted to block but still receive calls
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX, FL XXXX ; XXXX XXXX Balance Owed : {$650.00} ; XXXX XXXXXXXX Balance Owed : {$2500.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$950.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance Owed : {$190.00} ; XXXX XXXXXXXX Balance Owed : {$880.00} ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX.
Product: Debt collection

I have been harassed by a company named XXXX XXXX XXXX. XXXX. They're calling about a debt with XXXX ( acc # XXXX ) that dates back to XX/XX/XXXX. They're calling my family, my employer and I average about 30 calls a day from them. EVEN THOUGH I told them on XX/XX/XXXX to " cease and desist ''. I called them AGAIN today and asked them if they knew about the FDCPA? THEY HAD NO CLUE. They also claim they have another account in their office for XXXX XXXX? ( account # XXXX ) from XX/XX/XXXX. I asked them on XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX to STOP CALLING and they still call! I've asked if they keep notes or they record their calls? THEY hung up on me! PLEASEEEEEEEEEEEE HELP!
Product: Credit reporting or other personal consumer reports

I contacted XXXX XXXX, a XXXX XXXX  with NO CONTRACT, on multiple attempts requesting validation of in accordance with 15 USC 1692g which the company never responded to. On XX/XX/XXXX, I sent out these notices attached below notifying the company of my intent to arbitration due to their default and violation of the FDCPA specifically : 15 U.S.C. 1692g ( a ) - ( b ) ( Validation of Debts ) : They have not provided adequate documentation or explanation verifying the debts legitimacy despite my timely dispute. 
15 U.S.C. 1692d ( XXXX XXXX XXXX  ) : Continued collection efforts without proper validation or investigation of my dispute could be construed as harassing or unfair. 
15 U.S.C. 1692c ( Communication in Connection with XXXX XXXX ) : They have seemingly ignored my requests for cessation of collection activities until the debt was validated, as outlined in my affidavit. 
Please see the attached affidavit for the detailed breakdown. 

I received a very brief response from the company stating " I received your request. Here 's an account summary which validates the debt. '' In which the account summary they provided did not validate the debt at all according to 15 USC 1692. The company ignored my detailed response of showing how reporting the invalidated debt is noncompliance of the FDCPA. I requested cessation of collection affect which also include reporting the information to my consumer report, which they were noncompliant by still reporting. I also broke down how they are committing aggravated identify theft and they still continue to report. 

The company is showing no remorse for their actions as I continue to support due to these collections appearing on my report WITH NO PERMISSIBLE PURPOSE. Additionally, the company responded with a general letter. Affidavits must be rebutted by affidavits, arguing point by point. If an affidavit is not responded to it in fact stands true in commerce and as of now, XXXX provided no affidavit in response and continues to violate the FDCPA. Please see attached documents for great detail.
Product: Mortgage

Can a bank give a renewal on a loan to someone who no longer owns the property the loan is tied to, with out the property owners consent or knowledge? 
In XXXX, a BANK allowed my ex husband to sigh a renewal loan my home, even though they were aware he no longer own the property. My divorce decree for XXXX clearly states the loan would have to be paid in full by XX/XX/XXXX, by my ex husband. In XX/XX/XXXX, the Bank allowed him to sign a renewal loan document to extend it to XX/XX/XXXX. I was not made aware of this. I was not contacted. I absolutely did not consent. 
Now, XX/XX/XXXX, the bank is threatening foreclosure on my home, if I don't sign documents needed for a new renewal or pay off the loan. They wouldn't even give me the pay off amount, until they contacted their lawyer. This is causing stress, sleeplessness and panic. I don't know how a bank/loan officer can legally approve a renewal on property for someone who does not own said property.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my updated report in 3 credit Bureaus and I noticedinaccurate information posted on my consumer report. These are the inaccurateitems which are listed in my report : 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: Money transfer, virtual currency, or money service

I am a consultant for industrial clients located worldwide. One of my current clients is an XXXXbased company. The service contract specifies payment shall be paid in Euros. 

On XX/XX/2024 an original amount of XXXX Euros was sent from my clients bank for payment of my professional service. 

On XX/XX/2024 I was assessed by my bank ( PNC Bank ) a {$15.00} US fee for an incoming international wire transfer. This complaint does not concern this {$15.00} US Service Fee. 

The same day I noticed on my checking account ending in XXXX an amount received of {$25000.00} US The conversion rates observed for XX/XX/2024 were found on the web to be, XXXX ( X-Rates website ) and XXXX ( XXXX website ) For simplicity, lets take the conversion rate from Euros to US Dollars at XXXX. 
Then the conversion of XXXX Euros should give {$25000.00} US. 
XXXX were deposited in my checking account ending on XXXX. 

Hence giving a difference of converted amount of {$790.00} US dollars between the amount after the conversion made by PNC Bank and the amount calculated with conversion rate observed on the market. 

To my dismay, I could not find on my bank website the currency exchange rate between Euros and US Dollars for this operation. 
I called customer service, and the employee was also unable to find this information. 
After some time searching online in the PNC Bank website to no avail, I went to a PNC Bank branch located XXXX XXXX XXXX XXXX, XXXX, TX XXXX, and filed a complaint. 

I have received multiple international transfers these last 10 years. I never paid more than {$200.00} in fees and commissions. I was also notified of the currency exchange rate used. 

I am aware that, 1- PNC Bank XXXX like any of its competitors, is a for profits enterprise, and by so want to take a commission from the conversion of a foreign currency. 
2- the conversion rate used by PNC Bank may not be the strict equivalent of the conversion rate observable on the market 3- a spread may exist between the conversion rate observed on the market and the actual rate used to convert the foreign currency into US Dollars.

But, this said, where does the spread stop? The exchange rate can then be anything, and in fact chosen in a total arbitrary manner, and so the amount paid to receive an international can literally go through the roof, if you will. 

This is not fair business practice. 
I do believe that as a customer, I should have full visibility into the conversion rates, fees, charges and commissions that affect my transactions, especially when they result in such substantial financial hardship.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing negative elements of my credit for a long time and I have not received a response from the credit bureau. For example, I have an account in " Repossessions '' status with XXXX XXXX and it is not correct, I am up to date with this account.
Product: Debt collection

I received a letter from North Shore Agency dated XX/XX/2018 claiming that they were collecting a debt for a creditor, XXXX  ( apparently a magazine ), for {$13.00}. I do not have a subscription to any such magazine and have not purchased anything from that company. Furthermore, through a web search I found that North Shore agency has received many similar complaints.
Product: Credit reporting

I have contacted credit reporting agency Equifax multiple times by regular mail, by certified mail, I have asked them for method of verification, and continue to respond as as account verified, How could this be possible if I contact XXXX on account # XXXX and they do n't have the information that Equifax is reporting. They simply ignore any request your send to them and respond with their automated system. I need this matter taken care of and have this account deleted as it is erroneous and useless in my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a lawful consumer Ive been violated of my rights due to the fact the consumer reporting agency and/or data furnisher of the company attached to this complaint is not reporting 100 % accuracy across my credit file. I have attached photo proof of the inaccuracies I mus add in detail that on this photo I've circled in yellow months that this company hasn't reported no data to bureaus and payments was made on-time and paid as agreed. Thats a perfect example of how unaccurate the data-furnished could be! I've also mark with a red X the late payments this company is also reporting that are also unaccurate and I am aware the creditor must report 100 % maximum accuracy or information shall be modified.
Product: Credit reporting or other personal consumer reports

Experian reported a voluntary repossession of a car loan on my credit report for XXXX years. I disputed it repeatedly and even provided proof that there was ongoing litigation with this particular lender and the CFPB. XXXX was the only credit reporting agency to remove the derogatory information. 
Experian finally deleted the entry of my last dispute in XXXX XXXX XXXX. The entry date to be removed as the debt would be considered XXXX was XXXXXXXX XXXX XXXX. XXXX showed it to be removed XXXXXXXX XXXX XXXX and XXXX was XXXX XXXX XXXX. Even though there were discrepancies and ongoing litigation Experian and XXXX still chose to ignore it and continue reporting a voluntary repossession. 
I decided to go ahead and file a CFPB against the actual lender. I didn't file the complaint sooner because an attorney informed me that the lawsuit was class action and would include all affected parties. He also stated that he did not know why Experian and XXXX were choosing to ignore the fact that there were discrepancies and the fact that there was pending litigation, especially since the CFPB was the plaintiff in the case. 
The lender contacted me after receiving the CFPB complain that I filed. They acknowledged that the debt was over XXXX years old and that they were not responsible for how the credit bureaus were reporting. A couple of weeks later the lender sent me a letter stating that the account was closed, and no further monies was owed. They sent a letter to the credit agencies stating this fact as well. 
Since Experian reported this derogatory entry on my credit report for XXXX years and chose to ignore my disputes, I am requesting that they make it right by reporting a car loan that was paid in full for the next XXXX years!
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Transunion, XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' Edfinancial Services LLC, JPMorgan Chase Bank and Uplift Inc are financial institutions by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX, XXXX XXXX Bank and XXXX XXXX the financial institutions and the Consumer reporting agencies Transunion, XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Transunion, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX Bank and XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. " XXXX XXXX XXXX, XXXX XXXX Bank and XXXX XXXX Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Transunion, XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of these accounts being reported.
Product: Debt collection

We are in foreclosure with Nationstar/XXXX. We have been in a lawsuit against them for bank fraud that started with XXXX. But they have been ignoring the lawsuit and adding more and more charges including their lawyers fees on us. Even though the banks broke the law several times. They are ready to auction our home off with no remorse for their braking the law. Our refinance was a highly predatory XXXX where the XXXX banker did paper shifting and filed the loan with only one name on it instead of both of us. Also lying about the terms of the loan. Sneaking into it a only interest clause. Then XXXX took over. Our mortgage was so high, it was difficult so we asked for help and was refused. But the bank would call when we were late but would never talk to the wife. And would not explain why. Finally a man from XXXX started to work with ( husband ). The bank never called again. this man convinced him he would have a new mortgage soon and to just wait. But instead we had a note put on the door that they were selling the house. We found out that someone had gone into the XXXX call log and changed our phone # to an old XXXX from before we lived in this county. That way the bank personnel could n't do their job and get a hold of us. We have been waiting for them to respond to a lawsuit but instead they are not responding. They are just going to again put our house up for sale. Even our lawyer has nothing to say. Our XXXX lawyer did the discovery and found a great deal of bank fraud.
Product: Credit reporting or other personal consumer reports

Their is a charged off account from XXXX XXXX XXXX XXXX XXXX account number # XXXX in the amount XXXX that should not be reported on my account : it is either another persons with a similar name or identity theft. 

I have maintained a fraud alert on my credit bureau profiles for more then XXXX  years with strict instructions on how to verify me and validate that it is actually I, that is taking out the loans. 
I asked for proof that it was my loan and the lender has failed multiple times to provide it under the rules and regulations outlined for the fair credit bureau reporting process. 

I have filed disputes with all the credit bureaus to remove and block said account.i want them to delete and block the following account from being reported now and or in the future.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following accounts. Block and remove it. 
XXXX XXXX Balance : {$4600.00}, XXXX XXXX Balance : {$52000.00} & XXXX XXXX Balance : {$23000.00}
Product: Credit reporting or other personal consumer reports

This is an additional request to dispute specific data in my credit file that does not belong to me or for which I have not signed any agreement. The products in question have nothing to do with any transactions I've carried out or approved in order to get goods, services, or money. Please remove the following items. 
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: Debt collection

XXXX is XXXX XXXX XXXX and was removed and then recently added back to credit report. I am receiving an enormous amount of debt collector calls harassing me and my family. XXXX falsified dates saying account was opened in XXXX and it was opened in XXXX
Product: Credit reporting or other personal consumer reports

I opened an account with XXXX XXXX on XX/XX/XXXX, for {$410.00}. I consistently made timely payments until the XXXX pandemic and subsequent lockdowns disrupted my ability to work. Due to these circumstances, the company sent the account to collections and marked it as a charge-off. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone : XXXX I took out a loan with XXXX XXXX on or around XX/XX/XXXX, for {$670.00}. I made timely payments until I was laid off and could no longer continue making payments. I attempted to set up a payment arrangement with the company, but they refused and instead sent the account to collections, marking it as a charge-off. 

Additionally, there is a discrepancy in my credit report, as different account numbers appear for this creditor across the credit bureaus, which invalidates the debt. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

Equifax was notified by XXXX that I was apart of their first and second data branch yet the continue to report fraudulent account even with all this information and its ruining my financial future.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX Acct # 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: Checking or savings account

On XX/XX/2022 a check for approximately {$2100.00} was stolen from my apartment leasing company XXXX and fraudulently cashed. 

The check was written to XXXX and an individual simply signed their name on the back and TDbank cashed it. 

On XX/XX/XXXX an affidavit of forgery was completed and notorized with TDbank. They have since provided no substantial updates and have ignored several calls. 

Additionally, the TD fraud center said they did not receive the case until XX/XX/2022 when I spoke with them today XX/XX/2022.
Product: Debt collection

I have received eight communications over the last seven weeks from Brigit about a debt that is not mine. These communications occurred on XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. The messages stated > Your recent {$50.00} cash advance has not yet been repaid and is overdue. 

I have no business with this company, and have never taken out a loan with them. Additionally, the name in the " To '' field of these emails is not my name ( though the messages are being sent to my email address ). 

On XXXX, I received such a message about this alleged debt from XXXX. I sent a message to the company stating that this debt is not mine, and as such I require that they stop contacting me about it. They replied > We show an account under <my email address> with an outstanding balance. We keep sending emails until the balance is repaid. You can always block or mark us as spam on your email provider 's platform. 

On XXXX, they sent yet another message about this same alleged debt to my email account, from a different email account ( XXXX ).