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

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX has violated my rights. 

I looked at my Experian, XXXX XXXX XXXX credit report on XX/XX/XXXX 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 it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The Items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, NJ XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX XXXX XXXX : {$580.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$990.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance XXXX {$1800.00} ; XXXX XXXX XXXX XXXX Balance : {$3100.00} ; XXXX XXXX XXXXXXXX Balance XXXX {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$2000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1400.00} ; XXXX XXXX XXXX XXXX XXXX XXXX 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: Other financial service

I had my purse stolen a month ago. After immediately calling police, we called PNC bank to report the theft. They froze the account and alerts were placed on it. We went in the next business day to open a new account. Later that week a teller from another branch disregarded the alerts that were still on our account and handed the thief with my ID {$1800.00}. They opened up a new account for us again, but now are holding all of our money because of their " investigation ''. Meanwhile, the teller that screwed up is getting paid for her work and we ca n't cash checks, ca n't deposit and have access to it, and checks already put out there by us are bouncing, making it impossible to live, pay bills, buy groceries for our kids. I 've been a loyal PNC customer for almost 10 years and they have kept saying there 's nothing they can do. Even though THEY screwed up and I had alerts in place. I did everything I was supposed to do and we were told we 'd be taken care of. THIS is not being taken care of as valued customers. THIS is like we are the criminals. They never even had the courtesy to notify us that this may happen or to give us a solution or option in order to continue paying bills and buying needs for our family. We have credit scores in the XXXX, own our own home for 10 years and my husband is a XXXX and I am a XXXX of XXXX little kids and also a XXXX. I wrote a XXXX page document on all the details surrounding this including our police report and the conversations we 've had with bank employees. We need help. Thank you.
Product: Mortgage

Ocwen Loan Servicing used Falsified documents to foreclose on my property. I have submitted verifiable proof of fraud and forgery in the recorded chain of title in regard to critical foreclosure XXXX County Supreme Court Index No. XXXX Their Improper assignments were recorded in the county land records offices. Improper assignments were submitted to the Court in support of foreclosure motions Improper assignments were accepted by the Court as valid assignments that substantiated the foreclosure. The Corporation of Assignment of mortgage by Ocwen loan servicing on XX/XX/XXXX with of seller servicing number of XXXX XXXX, old servicing number XXXX XXXX is signed by Fraudulent Public Notary. Book/Page XXXX Instrument No.  XXXXThe Corporate Assignment of Date of assignmentXX/XX/XXXX between Ocwen Loan Servicing LLC and XXXX XXXX XXXX XXXX Please note XXXX XXXX Commission No. XXXX with a commission expiration ofXX/XX/XXXX in State of Iowa , County of XXXX XXXX is not valid. I have attached proof. I was foreclosed upon based upon falsified document. The bank submitted several different promissory not submitted as proof of ownership. In prior CFPB complaint, I requested XXXX XXXX XXXX to submit a copy of Promissory Note, no which appeal like ones submitted by Ocwen or its predecessors. I would as them to return ownership of my home asap. In previous complaint XXXX I am requesting document proof of servicing contract in regard to prove XXXX was my investor. Ocwen reputed my claims of robo signing. The multitude of homeowner of cases and settlements in every state proves other wise.
Product: Debt collection

I received notifications from XXXX, XXXX, and XXXX stating that I've been sent to collections/and or have negative items damaging my credit score from all 3 credit bureaus. Identify theft was reported to Internal Revenue Service, Federal Trade Commission. I was told to have a police report with all negative finding involved with identity theft to continue process. Account name : NAVY FEDERAL CR UNION Account number XXXX. Account name : XXXX XXXX  Account numberXXXX, I will like to get these collections off all 2 negative items on XXXX, XXXX, and XXXX off my credit report due to it being identity theft.
Product: Credit reporting or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no XXXX party involved. Please review the uploaded letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife and I have been negatively impacted significantly by Ditech erroneous reports. They have reported that I was late on my payments, or missed payments with them. This is absolutely false. I have never been late, nor have I ever missed a payment.
Product: Credit reporting or other personal consumer reports

I just looked at a copy of my credit report. It stated that the credit inquiries mentioned below were the source of the credit request. On the other hand, I did not authorize these inquiries. I'm sending this to dispute these inquiries and request that it be taken off my credit report as a result. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Over payment of escrow money has been held since XX/XX/XXXX. Taxes were adjusted by XXXX XXXX XXXX. Called XX/XX/XXXX was told my account would be audited. Called XX/XX/XXXX BMO stated audit was in progress check would be issued. XX/XX/XXXX XXXX XXXX told to talk to loss mitigation dept-left msg. XX/XX/XXXX XXXX  XXXX  -was told audit in progress. XX/XX/XXXX - XXXX - can not audit due to system in auto audit. XXXX XX/XX/XXXX XXXX will issue check - transferred to loss mitigation department. XX/XX/XXXX XXXX XXXXXXXX will issue check transferred to loss mitigation dept left msg. XX/XX/XXXX XXXX loss mitigation no hold on my acct transferred to XXXX XXXX XXXXno check issued asked for supervisor. Sup XXXX XXXX could not get check issued- stop on acct - will email to get it removed from acct. It is now foreclosure dept that needs to be notified. BMO is holding {$2100.00} surplus escrow as of XX/XX/XXXX. My acct is in good standing and NOT in foreclosure as of XX/XX/XXXX. XXXX dismissed me and gave me canned response with no resolution of when a check would be issued.
Product: Credit reporting or other personal consumer reports

Amex  XX/XX/2024 Inquiry I have no knowledge of it please delete
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Balance : - XXXX XXXX Balance : {$420.00} XXXX XXXX Balance : - XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXX XXXX Balance : {$3300.00} XXXX VERIFY Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX Balance : {$420.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX Balance XXXX {$1600.00} XXXX XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX Balance XXXX {$440.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$1400.00} XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXX XXXX : {$3300.00XXXX XXXX XXXX XXXX XXXX Balance : {$120.00} XXXX XXXX XXXX Balance : {$300.00} XXXX XXXX XXXX Balance : {$300.00} XXXX XXXX Balance : {$290.00} XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX
Product: Debt collection

This company filed a lawsuit, and gained a judgement. Following that they sought a garnishment of my wife 's wages. They never served her with paperwork and have no proof of service as is required by SD codified laws.     http : //sdlegislature.gov/Statutes/Codified_Laws/DisplayStatute.aspx?  Type=Statute & Statute=21-18-11  They incorrectly served ONLY her place of employment and illegally had more than   XXXX   % of her disposable income taken from her check to the amount of approx. {$700 .00}. This is illegal on more than one  level.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. XXXX/XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

3. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

4. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 9. XXXX XXXX XXXX/XXXX  on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 11. XXXX XXXX CR U on XX/XX/XXXX ( Reported Identity Theft ) 12. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) THE UNVERIFIED AND INCORRECT PUBLIC RECORD ITEMS BELOW SHOULD BE DELETED : 1. Chapter XXXX bankruptcy discharged. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX. 
Inaccurately posted on XX/XX/XXXX. 

2. Bankruptcy chapter XXXX-discharged. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX. 
Inaccurately posted on XX/XX/XXXX.
Product: Vehicle loan or lease

I hope this message finds you well. I am writing to report a concerning issue I recently experienced in my auto financing transaction, and I am seeking your assistance in addressing this matter. 

On XX/XX/2023 I purchased a vehicle through XXXX XXXX XXXX in XXXX Georgia and financed it with Chase Auto. During the financing process, I noticed a significant discrepancy in the interest rate offered to me. My credit score is XXXX and I was offered a 9.67 % interest rate. Upon careful examination, I discovered that the higher interest rate was probably a result of the intentional misspelling of my name on the loan agreement. When I inquired about this during the signing process, the finance manager was very adamant interest rate was accurate based on all my credit history and character. He even stated he shopped the deal around to other banks but 9.67 % was the best interest rate offered to me. It is my belief that this misspelling was not accidental but was done intentionally, possibly by the dealership, with the intention of securing a higher interest rate and potentially receiving a kickback or additional compensation.

I reached out to Chase Auto questioning the interest rate and why was it so high based on my credit score, however no one was able to answer my question or assist me. I even requested a remediation of my account in attempt to lower the interest rate and was turned down.

This situation is deeply concerning to me as it not only affects the financial terms of my loan but also raises questions about the ethical conduct of the dealership. I strongly believe that such practices are unfair and may be in violation of consumer protection laws.

I kindly request your assistance in investigating this matter and taking appropriate action against any party found to be involved in this unethical behavior. My goal is to ensure that consumers like me are treated fairly and transparently in their financial transactions and are not subjected to such deceptive practices.

Please let me know the steps I should take and the information you may require from me to facilitate this investigation. I am committed to cooperating fully to bring this issue to light and seek a fair resolution.

Thank you for your attention to this matter. I look forward to your prompt response and guidance on how to proceed. 

Sincerely,
Product: Payday loan, title loan, or personal loan

I was provided with a loan from American First Finance while getting a new couch at XXXX XXXX. I was briefly given areas to sign online- for the loan -- Originally the couch was for XXXX. I was informed by the merchant to attempt to finish the loan as quickly as possible to avoid any interest on it. However, she never mentioned that I would get charged XXXX DAILY on this current loan. I have paid already XXXX. I was informed that they are charging me an annual percentage rate of 169.7 % - I was never told this -- or never was provided to me by the merchant. I was also informed that I will have to continue to pay every two weeks XXXX until XX/XX/2024 to complete a total of XXXX. The couch was XXXX -- - yet they are making me pay XXXX. When the transaction was completed at the merchants I was never given paperwork or anything regarding the agreement either. She obtain a few signatures from me.. telling me how much it would be bi-weekly and that was about it. When I called to obtain a copy of the agreement -- American First Finance stated they will send it via email in 24 hours -- it took them also 4 days for me to obtain it. I have been wrongfully informed of the hidden charges in this loan.
Product: Credit reporting or other personal consumer reports

I have reached out to XXXX and this company still has duplicate student loans on my credit report. This is affecting my ability to purchase a new car that I need badly.
Product: Debt collection

After checking my consumer report I noticed an account that was listed under collections with a company that I have no knowledge of I have never received any letters from this company prior to them placing it on my consumer report and affecting my consumer report and credit score. I have never had an account with this company. I have mailed letters to XXXX XXXX, XXXX, XXXX and XXXX by certified mail return receipt. All of the furnishers continue to violate consumer laws and continue to report this derogatory account on my consumer reports, they continue to contact and all have ignored my disputes. Consumer law states the following The Fair Debt Collection Practices Act ( FDCPA ) prohibits debt collectors from " parking '' debts on consumers ' credit reports without first contacting them. This practice is illegal and violates the FDCPA : What is debt parking? Debt parking is when debt collectors report debts to credit reporting agencies without first contacting the consumer. Why is it illegal? Debt parking can result in inaccurate or fraudulent debts on your credit file, which can negatively affect your score. What can you do if you're a victim? You can : Dispute the debt : You can dispute the debt in writing to both the collection agency and the credit bureau that provided the report. Sue the collection agency : You can sue the collection agency for debt parking, but it must be within one year of the violation occurring. I have disputed this account and they failed to follow the consumer laws. I also did not find that they are licensed in the State of XXXX  in order to collect debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

So, I obtained a copy of my credit report and notice multiple errors with my personal information as well as account that I do not own this information is destroying my credit and I don't think is fair at all I'm sure I have rights.
Product: Checking or savings account

First Bank XXXX Colorado ( 1st Bank ) did knowingly and without my knowledge or consent allow the withdrawal of 100 % of the funds in my savings and checking accounts to be withdrawn via a garnishment, which I was not made aware of. I was never served with a Complaint, never advised of a Judgement against me nor was I served with a Writ of Garnishment, which is required by law. Further, 1st Bank refused to provide me with any information about the Garnishment, and debited my accounts in excess of {$11000.00}, which is approximately {$4600.00} MORE than I had in both accounts combined, resulting in an overdraft on my checking account of over {$5000.00}. Again, they willfully refused to provide me with details of these transactions, and charged me a {$150.00} processing fee additionally. My accounts are now frozen, the bills I had paid are going to be returned NSF and I was never given proper notice. Again, I was not aware of this action and only became aware of it when trying to purchase groceries at XXXX and having my debit card denied. I was paid on Friday, XX/XX/XXXX and I checked my balances via the automated phone line at approximately XXXX. I had an an available balance of {$3400.00} after being paid my salary of {$2600.00} plus an expense reimbursement check of {$450.00}, and the existing balance. I began paying my monthly bills to my electricity and cable providers, cell phone, car note and credit cards in the amount of approximately {$2300.00}. Sometime that afternoon, XXXX Bank, without informing me, froze my accounts, withdrew the previously mentioned monies, yet somehow allowed a withdrawal from XXXX at approximately XXXX XXXX to go through for {$26.00}. Now, all of my bills are going to bounce, and again, I was never given legal notice of such actions, and they refuse to provide me with any details. I have been a customer of XXXX Bank for over 20 years. I am considering legal action and the possible involvement of the media via consumer affairs reporters at my local new outlets and contacting my elected representatives regarding the violation of state and federal banking regulations.
Product: Debt collection

Told company to stop contacting me, I refuse to pay. And to verify debt and provide how they verified on XX/XX/year>. 

Company stopped and almost a year later started calling, texting, emailing, multiple times a day.
Product: Mortgage

I entered an agreement with Cornerstone Lending to  automatically remove a prearranged mortgage amount from my bank account monthly. The first auto payment taken form my account was for {$42.00} more than agreed to in the written contract.. In the agreement the company also states that they must advise me 10 days in advance if the amount of money removed from my account will change, by how much, and for what reason. I was not notified. After discovering this overcharge on XX/XX/XXXX, I called the company multiple times. I was hung up on twice, no one knew why I was overcharged, and no one would connect me to anyone who did know what was going on. The Cornerstone broker  who sold me the refinance loan tried to reach out to the company as a favor to me. He claims that they won't tell him what the overcharge was for, and that they will send me a letter some day to explain. Meanwhile, I must wait until XXXX for my escrow analysis to see if I get my money back.