23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

I had a XXXX XXXX XXXX it was being put up for repossession due to be losing my job I reached out to them to lower my interest rate or payment and I was denied the pavement at the time before falling behind was for {$460.00} I paid on XX/XX/XXXX {$300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This was not sent by error or anyone other then myself, I am a consumer by law and my information was misused in a data breech ( Equifax ) now I have some account and items that are not 100 % accurate on my credit report. That was unauthorized use of my credit report. I wrote a letter about false information on my credit report, and more than 60 days later, I still haven't heard anything back. I think my complaint is being disregarded and that I'm being victimized of. It is precisely stated in Section 611 ( a ) that refusal to investigate these allegations within 30 days is cause for immediate removal of all those allegations from my credit report ; given that it has been more than 60 days, they should be promptly deleted. I demand that these accounts be terminated right away, or else I'll pursue you for the anguish you put upon my life. The Equifax data breach exposed my information well as, and it's feasible that it landed in the incorrect hands.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 a letter was sent to Experian to inquire about why a public record was reporting on my credit and their response was that XXXX XXXX had reported the account. On XX/XX/2022 I followed up with a letter and included the XXXX XXXX report as well as a letter from the United States Bankruptcy Court to prove that the information that Experian claimed was correct, was not factual. Experian did not respond to my investigation. On XX/XX/2022 I again wrote them a letter, and sent via certified mail, stating that they are reporting incorrect information due to their method of verification and to immediately delete this incorrect reporting. They responded on XX/XX/XXXX stating that they had verified with XXXX XXXX that the information they are reporting was correct even though I once again provided the proper documentation to prove that they did not investigate. As my final attempt, I wrote a letter via certified mail requesting the removal of the incorrect information dated for XX/XX/2022 and mailed on XX/XX/2022. By XX/XX/XXXX, LESS than 6  Business days, they had already investigated and closed my dispute. I am concerned that during the 6 months since my initial inquiry, Experian did not in fact investigate my dispute and instead made a decision without any factual information causing me to have a lower credit score and affecting lending decisions.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2017 XXXX XXXX gave me a hard pull which I did not authorize. I never did any business or got a loan from this company. This is fraud and I would like it removed from my file as soon as possible. I had spoke to there customer service team and they had said would remove any hard pull since I never authorized it.
Product: Credit card or prepaid card

I had opened a BarclaysXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX credit card last year. I was approved on XX/XX/2021. 
I only used it once on XX/XX/2021, and had paid my credit charge in full. I gave them my bank account number and routing number and I received a confirmation of the payment. Since then, I stopped using that credit card. Two months later I suddenly see that my credit score dropped XXXX points. I quickly check where I havent paid my debt and all of the sudden see that my Barclays account wasnt paid. I look through all the spam emails I recieve from them and dont see any email saying my payment didnt go through. Only after pressing on the emails it says I have a balance but in reality I paid my balance at full in XXXX. I called them and asked what was wrong, they said I provided the wrong routing number. After checking I saw that I provided them the routing number that I had from my bank, which was a wire routing number and not an ACH one like they wanted. I quickly called my bank and, got the information and payed my debt. I asked the Barclays support why I hadnt receive an email saying my payment didnt go through, they said that it doesnt work like that, you only get an email when your payment is received and later you have to check. So I asked why they didnt notify me through the app like a get a notification when I have a charge of pay my balance. They said it doesnt work like that either. They said they sent me mail saying I didnt pay my balance, but I opted to go paperless and to contact me through email only because I didnt have constant access to my mailbox at the time. Their second excuse was that they tried calling me and I never received a call from them.. They couldve texted me, or sent an email saying my payment hadnt gone through but instead they decided to put me in a position as someone who doesnt pay his debts, even though I have three more credit cards with charges over XXXX XXXX  who are always paid on time and in full. The Barclays agent on the phone said that I was right and if I complain they should reimburse me. She event refunded me the late payment fee of XXXX XXXX This has destroyed my ability to build my credit and would really appreciate any help I can get. Thank you
Product: Credit reporting or other personal consumer reports

There is a FRAUDULENT item ( XXXX XXXX XXXX XXXX ) and an UNAUTHORIZED/FRAUDULENT inquiry ( XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX ) on my credit report. I do not have any idea regarding these fraudulent accounts on my credit report. I am not the one who initiated the inquiry. I am submitting a complaint regarding this inquiry and for assistance to REMOVE it from my credit report immediately. 

Don't close this complaint with a reason that I need to prove my identity because all necessary documents are all attached on the letters!
Product: Mortgage

My name is XXXX XXXX. I am looking for someone who can help my mother file a suit against Ocwen Financial for predatory lending practices, ideally on a contingency basis. My mother is a victim of predatory lending practices from Ocwen Financial Corporation. I am trying to find a way to help her save her home and help her get some restitution for the strain Ocwen has put on her health and life in general. I have been trying to do some research on this company and there has been many claims of predatory lending practices. 

The practices of the company forced my mother into foreclosure. Once I found out about what was going on, I was able to help get her a PA HEMAP loan ( where Ocwen received a payment of XXXX from the state ) in 2013 to bring the mortgage current. Part of the HEMAP program was that Ocwen had to sign a reinstatement agreement which had an agreed upon monthly escrow ( {$81.00} ) and principle/interest ( {$510.00} ) amount. Everything was fine for two months or so but then Ocwen starting using the same practices that put her in that situation in the first place. Things like charging her for property taxes when we have documentation that they were paid to the city, charging her for homeowners insurance when she was already paying insurance on her own, and sending her checks back when she would pay the correct amount due. Her monthly payments ( fees included ) was supposed to be {$590.00}. It exploded to over {$800.00} dollars due to the escrow shooting up to $ XXXX.Because of this she was charged constant late charges. Even though she was sending in the correct amount due, they would not apply it to her account. Eventually this kept adding up into insurmountable amounts. I believe this is a violation of the " Truth In Lending Act '' and the " Pennsylvania Unfair Trade Practices and Consumer Protection Law ''. Additionally I think it is a clear breach of the Reinstatement Agreement that they signed with the HEMAP re-modification. 
My mother is on a fixed income from her XXXX. I had her call the save your home hotline and public legal services but they just want her to do another loan modification ( I believe it is HAMP ). This modification says she would have to pay a balloon payment of XXXX after paying XXXX over 20 years. My mother has already paid the value of the house and then some. No one is addressing the root of the problem ... which is that these practices leading to my mother being charges arbitrary and unsubstantiated fees ( on a fixed mortgage ) and therefore causing her to go to default. Over and over. I was hoping you can direct to some legal ramification to stop the predatory lending because I know she does n't want to give up her home. Really it is all that she has. What she really want is to invalidate the loan completely and receive damages for all the payments she has made and what constantly battling with this company has done to her health. Thanks in advance for any help you may be able to provide.
Product: Credit card or prepaid card

I lost my us bank Relias card. I called and notified them. they told me to send in a copy of my id and which I did. and now they tell me that they cant issue me a new card. I have XXXX dollars on the card that had been canceled. I need my money asap I have bills to pay. altogether it has been four week since I contact them for the first time and still have not got response.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information that is being reported on my credit report. Specifically, the following items are incorrect and are negatively impacting my credit score : TRANUSNION Account Name : XXXX XXXX Account Number : XXXX Reason : I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

EQUIFAX Account Name :XX/XX/XXXX Account Number : XXXX Reason : This account is incorrectly reporting that I have 1 late payments. On my Transunion report there are 0 late payments being reported. 

Account Name : XXXX XXXX Account Number : XXXX Reason : I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 

EXPERIAN Account Name :XX/XX/XXXX Account Number : XXXX Reason : This account is incorrectly reporting that I have 2 late payments. On my Transunion report there are 0 late payments being reported. 

TRANUSNION INQUIRIES : XXXX on XX/XX/XXXXXX/XX/XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXXXX/XX/XXXX on XX/XX/XXXX EQUIFAX INQUIRIES : XXXX XXXX XXXX on XX/XX/XXXXXX/XX/XXXX XXXX on XX/XX/XXXX XX/XX/XXXX on XX/XX/XXXX EXPERIAN INQUIRIES XXXX XXXX XXXX XXXX on XX/XX/XXXX XX/XX/XXXX on XX/XX/XXXX XX/XX/XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXXXX/XX/XXXX on XX/XX/XXXX XXXX XX/XX/XXXXon XX/XX/XXXX. 
XXXXXX/XX/XXXXon XX/XX/XXXX XX/XX/XXXX on XX/XX/XXXX These items are either inaccurately reported or have already been resolved, and I request that they be thoroughly investigated and corrected. I have already contacted the credit reporting agency and the data furnisher, but the issue remains unresolved. I have attached supporting documentation, screenshots of my credit report that to show the inaccurate information and to support my claim. Please investigate this matter promptly, and update my credit report to reflect accurate information.
Product: Credit card or prepaid card

On XX/XX/XXXX I searched for a flight in business class, XXXX, departing XX/XX/XXXX and returning XX/XX/XXXX. Capital One advertised an offer on their site whereby I could purchase a ticket using points I had accrued through use of their credit card ( I have hundreds of thousands of points ). I input all of the necessary information, including clicking the " luxury '' class of service and was offered a ticket on XXXX XXXX in XXXX XXXX, the airline 's international business class product. Note, for both the outbound and return flight selection there was a dark blue box noting " Luxury Fares '' and stated " Luxury reclined seats, personalized services and premium meals. Priority boarding also included. '' Capital One 's site was a little buggy, so I spent approximately two hours when making this booking to be certain I hadn't made an error on any aspect of the itinerary as the tickets were said to be non-refundable. I completed my purchase and received a confirmation email showing both of my tickets were in the main cabin, not in XXXX XXXX. I checked the confirmation number with XXXX 's site and both tickets issued were in economy class. 

I contacted Capital One and spoke with a supervisor by the name of XXXX XXXX. XXXX XXXX said she would check into the matter and get back to me. She called later in the day and informed the flights books are ticketed in economy class and offered a refund. I explained that I am scheduled to undergo a major XXXX  XXXX this week and had no time to search for new tickets. Moreover, I emphasized that Capital One 's site offered tickets clearly marked as Luxury in XXXX XXXX and that I expect the company to honor the product I purchased. XXXX XXXX stated she is aware that the company 's site is " buggy, but could not ( or would not ) honor the product as advertised. This is a clear case of false and misleading advertising. Capital One should provide the XXXX XXXX ticket advertised and purchased on their site ; and they must honor the dates and times as I booked them. 
Screen shots are attached.
Product: Credit reporting or other personal consumer reports

I have filed plenty of disputes because I have been a victim of identity theft I have even filed a claim with the federal Trade commission because my identity has been used for multiple credit accounts without my knowledge of and I would like them disputed because the person behind this has gotten all of these accounts closed and now its affecting my credit in a negative way!
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive sent dispute letter for items on my credit report XX/XX/XXXX. I still have not received investigation results. The debt that is trying to collect are not mine. I demand items to be removed immediately
Product: Credit card

Dear Sir/Madam, I hope this letter finds you well. I am writing to report an issue regarding the unauthorized enrollment into an Amazon store credit card without my consent. I am deeply concerned about the lack of transparency and the difficulties I have faced in canceling this credit card. 

On XX/XX/, I noticed that I had been automatically enrolled into an Amazon store credit card, which I did not request or provide my consent for. I have neither received a physical credit card nor have I been provided with a full credit card number. Despite my efforts to resolve this matter, I have been unable to cancel the credit card or obtain further information from either Amazon Customer Service or Synchrony Bank. 

I have made multiple attempts to resolve this issue by contacting Amazon Customer Service and Synchrony Bank, However, I have received no satisfactory resolution from either party. The representatives were unable to cancel the credit card enrollment or provide any additional information pertaining to the account. 

I kindly request that you take immediate action to cancel the unauthorized enrollment into the Amazon store credit card and ensure that no charges are associated with it. I have always been a valued customer of Amazon, and this incident has greatly affected my trust in the company. 

Additionally, I need clarification on how this unauthorized enrollment occurred and how my personal information was obtained without my consent. I request a thorough investigation into this matter to prevent such incidents from happening to other customers in the future. 

I have taken steps to monitor my credit and ensure there are no unauthorized charges or accounts associated with my name. However, I strongly believe that a prompt resolution from Amazon and Synchrony Bank is necessary to rectify this situation and protect the integrity of my financial well-being. 

I kindly request a written response from both Amazon Customer Service and Synchrony Bank confirming the cancellation of the credit card enrollment and any associated charges. Additionally, I would appreciate any relevant documentation or information regarding this matter.

If my concerns are not addressed adequately or if there is no satisfactory resolution to this unauthorized enrollment, I will be left with no choice but to escalate this complaint to the Consumer Financial Protection Bureau ( CFPB ) and seek legal advice to protect my rights as a consumer.

I am confident that Amazon and Synchrony Bank will take this matter seriously and resolve it promptly. I look forward to a positive resolution to this issue at the earliest possible convenience. 

Thank you for your immediate attention to this matter. I expect a prompt response to ensure an amicable resolution. 

Yours sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft SEARS/CBNA Account Number : XXXX This is not mine.
Product: Credit reporting or other personal consumer reports

Subject : Urgent Request for Account Deletion Due to Inaccurate Reporting To Whom It May Concern, I am writing to formally request the immediate deletion of the following accounts from my credit report due to inaccurate and potentially illegal reporting practices : 1. Account Name XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Status : Charged off as bad debt Balance : {$3200.00} Status Updated : XX/XX/XXXX 2. Account Name : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Status : Charged off as bad debt Balance : {$3000.00} Status Updated : XX/XX/XXXX XXXX. Account Name : XXXX XXXX Date Opened : XX/XX/XXXX Status : Charged off as bad debt The designation of these accounts as " charged off '' without any verifiable payment history is misleading and may violate several provisions of the Fair Credit Reporting Act ( FCRA ), specifically : - Section 602 ( a ) : Requires that consumer reporting agencies adopt reasonable procedures to ensure maximum possible accuracy of the information in consumer reports.

- Section 607 ( b ) : Mandates that if a consumer reporting agency receives a notice of dispute from a consumer, it must conduct a reasonable investigation. 
- Section 609 ( a ) ( 1 ) : Grants consumers the right to obtain all information in their file at the time of their request, including the sources of the information. 

Given the absence of payment history and the significant discrepancies in the reporting of these accounts, I urge your office to take immediate action to remove them from all reporting agencies and credit bureaus. I expect written confirmation of the deletion of these accounts within 30 days, as stipulated by the FCRA. 

Please deliver all communication and confirmation to my email at XXXX ( mailto : XXXX ). Additionally, I can be reached by phone at XXXX. 

Please consider this request with the urgency it deserves, as it directly impacts my financial well-being. I appreciate your prompt attention to this matter. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Debt collection

We received a call today from a company called Local Data Recovery. My wife talked to a guy who immediately threatened her with wage garnishment, or tax penalties if she did not pay this debt in full immediately. He told her it was a credit card through XXXX that was signed off in XXXX. My wife did not recognize that she ever had a XXXX card, which he called hear a liar about. Eventually my wife got fed up with the threats and the accusations, and just hung up. 

He eventually called back again and left a very insulting and abusive message about its going to court and we were going to get our wages garnished over it. Oh, but he was just trying to help? I had my wife call back and I then talked to both the guy and then his superior, which was supposedly an attorney? By talking to her I find it very hard to believe? She was just as bad as him and would not listen to us. At this point we still could not remember having a XXXX card because we do not shop there. She then said it was through XXXX and was just a XXXX card that could be used anywhere. I asked if she would please send us paper copies of the debt and account numbers? She refused and said they could only email it. My wife asked the same thing previously and they declined as well. 

In the process of talking to her she said that XXXX signed off on the card in XX/XX/XXXX. Later on when I said that the XXXX in Indiana is 6 years, she then changed it and said they signed off on it in XXXX. She was looking at the wrong account, which was a lie. The guy gave the same date to my wife previously, even giving her S.S. # and birthdate. So I know they were looking at the right info. As I was talking with this attorney my wife found an old XXXX account we did have through XXXX that was bought out by another collection agency Velocity who we paid off with in XXXX. We even have a letter from the agency stating that the account was paid in full. 

So, we have no idea how they got the info or why this has come up? We have dealt with creditors before and they were nothing like this even when legit. These people were awful and dishonest. They made my wife get very upset and distressed over something we had handled a few years back. I have read about the strong-arm tactics of this outfit and their bad reputation, but this has pushed me to the brink of taking legal action against them. Can you help us please? 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Account # : XXXX Account Type : Installment ( Auto Loan ) Bureau Code : Joint {$17000.00} Date opened XX/XX/XXXX I contacted company and told them this is inaccurate this shouldn't be on my report for I do not recognize this account and it is not mine. I have requested proof of paperwork and received nothing. Remove account please. 

XXXX XXXX  XXXX Account # : XXXX Account Type : Revolving Bureau Code : Terminated Date Opened XX/XX/XXXX {$25000.00} I don't know where this came from never had a XXXX  XXXX XXXX account and asked for validation and they said it was no record of me having a account and I sent to XXXX and they completely ignored my request to remove the account. 

XXXX  Account # : XXXX Account Type : Revolving Bureau Code : Terminated Date Opened XX/XX/XXXX {$8500.00} Not my account I don't recognize this account and asked for validation and they said it was no record of me having a account and I sent to XXXX and they completely ignored my request to remove the account. 

XXXX XXXX  Account # : XXXX Account Type : Installment Bureau Code : Individual Date Opened : XX/XX/XXXX Not my account and requested proof three times and no answer. 

XXXX XXXX Account # : XXXX Account Type : Installment Bureau Code : Individual Date Opened : XX/XX/XXXX Not my account and requested proof three times and no answer. 

XXXX Account # : XXXX Account type : Revolving Bureau Code : Terminated Date Opened : XX/XX/XXXX Not my account and requested proof three times and no answer. 

XXXX XXXX XXXX Account # : XXXX Account Type : Collection Bureau Code : Individual Date Opened : XX/XX/XXXX Not my account and requested proof three times and no answer. 

XXXX XXXX Account # : XXXX Account Type : Collection Bureau Code : Individual Date Opened : XX/XX/XXXX {$160000.00} Not my account and requested proof three times and no answer. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VIA DEALER NONE OF THESE HARD INQUIRES ARE MINE