23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I applied for Oregon homeowners stabilization initiative and submitted the application on XX/XX/XXXX with XXXX XXXX at open door nonprofit counseling. I have to submit a third-party agreement for both my first mortgage and this equity loan which I did. I even have an email from XXXX stating that he had filed the application. I received a letter dated XX/XX/XXXX from Wells Fargo NA That they were contacted by Oregon homeowners stabilization initiative they also stated they didnt get a third-party agreement. I received a letter from Wells Fargo dated XX/XX/XXXX stating they did get a third-party agreement in regard to my first mortgage. Funny they were sent the same day all the sudden the equity loan has disappeared that third-party agreement it appears. Thinking that they had gotten both third-party agreement and who wouldnt I went on with the process. I was contacted by XXXX XXXX on XX/XX/XXXX that I had been approved for this program also known as OHS I. We arrange for me to come out and signed the papers the following Thursday, XX/XX/XXXX. I brought a friend of mine with me who actually drove because I am XXXX and was extremely stressed over this whole process for the last two years. I signed the papers but when I got home I read them again. First of all it said I would have a week to review them that wasnt true I had 15min. After reading them I didnt recall seeing anything about the equity loan I am mediately sent an email to XXXX that same day. I then received an email back song and dance again similar to what I had received three months ago stating they werent sure if they were going to pay that one but I was told three months ago they would. Now Wells Fargo has continued with trying to foreclose upon my home with a second equity loan. I also received a copy of my XXXX original award letter going back to XX/XX/XXXX retro date XX/XX/XXXX. The importance of this award letter is that nobody believe me that I was XXXX and was abusing psychologically my mental ability and stressing me out even though I told them I couldnt endure stress I asked for an advocate I was ignored I have been psychologically abused for months by this company and their manipulation lack of acknowledgment of anybody belonging to the XXXX or XXXX XXXX  XXXX act. Now Im afraid once again Im going to lose my home even though I have made every attempt I could to get the papers Sent with my XXXX that no one even cares or at knowledges. I have sent email after email I have documented screenshots PDFs everything you can imagine please help me protect my home thank you
Product: Bank account or service

On XXXX/XXXX/16 I contacted the claims department at Bank of America and gave information on a {$60.00} charge from XXXX and requested that it be reversed. Quibids offered to sign me up for a membership but said nothing about the {$60.00} charge I later discovered on my debit card, which over-drafted my account by {$25.00} and incurred XXXX {$35.00} overdraft fees. After calling the claims department, someone erroneously transferred me to the fraud department and after over 45 minutes on hold, the gentleman there insisted on cancelling my card, and it took another 20 minutes to have the card reinstated. Once I finally got to speak to someone in claims, an associate named XXXX argued with me about XXXX having a no-refund policy and how Bank of America could not reverse the charge if this was the case. From the beginning I stated that the claim was about whether I had given XXXX permission to charge my debit card, not whether the company would refund me the {$60.00}. To make matters worse, Bank of America insists on treating the claim like a fraud case, which routinely take 10 business days to investigate. I spoke to a claims supervisor by the name of XXXX and explained that my account carries a negative balance because of the charge and in the meantime I must purchase food and medicine ; however, since they insist on treating my claim as fraudulent activity, they will only offer temporary credits which expire within 24hrs while they take 10 days to investigate my claim. Since I previously suffered fraudulent use of my card last year, I am familiar with such procedures, and I remember having to call the bank on each day of the investigation and request ( beg ) for the temporary credit that I knew would expire that evening at midnight. I did this for XXXX days. By XXXX this evening there will be XXXX additional overdraft fees for each pending transaction, even though only XXXX of the transactions caused the overdraft. There is nothing to investigate as many consumers ( according to Consumer Affairs and XXXX have had the same problem : XXXX and XXXX. XXXX charging me without my consent was bad enough, what Bank of America has done is worse.
Product: Checking or savings account

On XX/XX/2020 someone went into my account via an atm. Bank of America did not issue any credit for this and has refused to help. This money was provided to me from the edd due to the pandemic emergency we had experienced in California. I have done all that was required, I contacted edd and provided proof of my identity and then I filed a police report. Both XXXX police and edd have said they are not the agency that will handle this matter and it would be up to Bank of America to handle this matter. For a period of 1 month I was on the phone 3 times. In the morning, afternoon and finally just before they closed to reach a representative but my efforts were unheard. Everyday I contacted Bank of America and would wait for 3 hours on hold and then my call was dropped. I did not remove those {$660.00} from my account and I need that money to support my family during these times. Bank of America should be held responsible for not doing their job in protecting my private information. I have tried to open and reopen the claim but they refuse to help and do not want to take responsibility for this.
Product: Credit reporting or other personal consumer reports

DEMAND For Deletion OF LISTED ITEMS/Per XXXX Privacy Act Also see ; XXXX XXXX XXXX XXXX 15 U.S. Code & 1681- Congressional findings ad statement of purpose ( 3 ) consumer reporting agencies have assumed a vital role... 
Consumer Relations Dept : THIS SHALL PROVIDE YOU FORMAL WRITTEN NOTICE of numerous violations of FCRA consumer law statute, regarding said personal private credit file.

Per the FCRA, I am entitled to have a fair and accurate credit report. 
XXXX PRIVACY ACT, you have the right to privacy., 15 US code 1681 602A the right to privacy,.

15 US code 1681 604 A Consumer Reporting Agency can not furnish an account without my written permission., See non-public personal information., 15 US code 6802-obligations with respect to disclosures of personal information ( a ) Notice requirements ; ( b ) The term affiliate means any company that controls, is controlled by, or is under common control with another company.

A person can only report to a affiliated corporation., A affiliated corporation is one in which the reporting person has a 51 % or greater controlling interest., 15 US code & 1681s-2 ( 7 ) Negative information ( A ) Notice to consumer is required ( I ) In General ; any financial institution that extends creditshall provide a notice of such furnishing of negative information, in writing, to the customer.

This shall be done 30 days before, or after furnishing of any such negative information.

Reporting of any alleged debt, as if it is a actual debt, ( never verified/validated or court order ), is ultra-vires action, HEARSAY.

Without a consumers written permission, reporting of any unauthorized information, for a commercial purpose, is a ultra-vires criminal RICO, ( 3 or more ), violation, resulting in, 18 US code 1028A- Aggravated Identity Theft, actions Designed to keep American consumers in illegal/unlawful financial slavery, see XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ). 
Furthermore any continued reporting would be another violation, 15 US code & 1681n, knowingly, reporting. 
For this reason, please request deletion of any and all negative reporting within the next 30 business days. 

For the following accounts. 
XXXX XXXX Account # XXXX Thank you, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Date of Birth : XX/XX/XXXX SS # : XXXX XX/XX/XXXX Transunion TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX  XXXX XXXX PA XXXX RE : XXXX Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. 
Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 
Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter. 
Sincerely, XXXX XXXX
Product: Debt collection

I purchased furniture from Acima Credit All payments were made on time and paid in full. In less than a month after paying for my furniture and having it for less than a month my furniture started breaking I took some of the furniture back to the consumer and asked for a refund which he refused to give to me. Then I had to do a charge back for the items that broke now assume it is turning around and putting those items back on my credit report as a duplicate which was already paid for in full. I have went on the XXXX XXXX XXXX site to see that Acima Credit has two stars in multiple amount of complaints for billing accounting collections and everything they are getting over on consumers every day and ruining their credit this Has to stop.
Product: Bank account or service

Hello im currently an account holder for TCF BANK. ON FRIDAY XXXX XXXX 2016 I WENT TO AN ATM MACHINE TO WITHDRAWA FUNDS FROM MY ACCOUNT BY THE FUNDS NEVER CAME OUT OF THE ATM BUT FUNDS WERE TOOKEN FROM MY ACCOUNT AND ON TOP OF THAT TCF BANK HIT ME WITH AN OVERDRAFT FEE OF XXXX DOLLARS. I CLEARLY HAVE TOLD TCF BANK SEVERAL TIMES THAT I NEED MY MONEY BACK BECAUSE THATS MY RENT MONEY. AND EVERYDAY THAT I AM LATE ON MY RENT IM GETTING CHARGED XXXX DOLLARS A DAY. I was assured on XXXX XXXX 2016 that my funds will be back into my account on XXXX XXXX 2016 by XXXX. I have called tcf bank several times to ask them why have n't they put my provisional credit back into my account and all they are saying that its not their fault that i went to another atm thats not dmtheirs. And that i have to wait 10 business days before i get an answer. Thats not fair to me or any other card holders. I want to file a class action lawsuit against tcf bank. My rent have never been late up until this has happened. Please help because something has to be done with tcf bank. And they need to pay these late charges and fees plus give me back my money. And that 's all i want them to do. They could have simply avoided any lawsuits but they have choosen not to do the right thing. At this point im looking for lawyers to assist me in this matter on filing a class action lawsuit against this bank. Im closing down my checking and savings account. And after this is over i want nothing else to do with tcf bank ever again in life.
Product: Checking or savings account

I was paid from my job and my check is always direct deposited into my account, has been for years with no problem. My direct deposit has not hit my account, and it has been almost 3 days. My company confirmed it was submitted properly. Capital One claims there is some ridiculous tech issues. I have bills that need to be paid and now will incur late fees and penalties, one of which being my auto loan and that effects my credit score. This whole situation is sketchy, scammy and unacceptable. Today is Friday, banks are closed Sundays and Monday is a holiday. When will I, and thousands of others, get their money? Tuesday next week or even later than that?
Product: Credit reporting or other personal consumer reports

I will like to file a complaint with Experian credit reporting with the CFPB to investigate I have a issue with Experian credit reporting agency Violating my rights with reporting accounts incorrectly, I have tryed several times to fix the problem, These accounts cant verified because its reporting differently on each of my credit profiles I would like them deleted immediately, I will be providing documentation for proof, XXXXXXXX XXXX XXXX, Account # XXXX, The account status, Date opened, Last active, and payment status is inaccurate, XXXX XXXX, Account # XXXX, Date opened, Account Status, Payment status, Date last active, All inconsistent and inaccurate information, XXXX XXXX  XXXX, same issue, XXXX XXXX account # XXXX This account was paid, Account status incorrect, XXXX XXXX account # XXXX, information inconsistent and inaccurate, XXXX XXXX XXXX account # XXXX, date opened, sold to and last active payment status all inconsistent and incorrect so how could any of this information been verified when its not the same, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ref # XXXX has been proven its not mine linked to wrong person will be providing documents proving this information I have spent so much time and money on this inaccurate information and just want it deleted immediately
Product: Checking or savings account

Pnc will not allow XXXX  XXXX XXXX company to link to my account.
Product: Debt collection

After a thorough review of my credit report, I noticed multiple fraudulent accounts that were added without my knowledge.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I was influenced into finance two vehicles from a dealership, after contract was made, weeks later they asked for more money down to release my licenses plates and registration, had to called the police to force dealership to give them to me. Following month XX/XX/XXXX the state started mailing about taxes due and registration fees which were over {$2000.00} per vehicles. Went on back and forth trying to keep up with all of the ridiculous payments, Ive been so stressed, overwhelmed, XXXX  and even XXXX because everything Ive been working on financially has quickly destroy. Continue to get mails from the state about suspending my license, my credit drop drastically. Is now XX/XX/XXXX and the bank has informed that the dealership is no longer in business. They have been prolonging a settlement with me.
Product: Mortgage

I was recently notified that I was denied for a HAMP loan modification. I was denied by ocwen XXXX per FHA guidelines. Per the Treasury guidelines for HAMP I have the right to have an explanation of what factors used to make the decision and I hereby request the values used in making the calculations along with the date the process was completed within 30 days of the notice of denial. and dates, per that same guideline. In addition I would like a line by line explanation of what gross income was used, what expense figures were used as well as where the value you obtained came from, because you stated you reviewed for all workout assistance and I received a denial way before thirty days. It seems to me you rushed your decision because not once did you reach out to me for copies of rental income and lease. The renters in my home are not seasonal they are very consistent in paying rent and have never missed. I can not you sleep at night, after this denial, my husband was diagnosed with XXXX and he is now XXXX. After working for 18 years at XXXX he was fired. I had to care for him during his year of XXXX. We were denied due to renters are seasonal. I would like to be able to show you that my renters are not seasonal. I would like to fax bank statements of rental income and a current lease. Unbelievable we showed you my husband XXXX award letter for the time he started getting his XXXX check after a year and half. Ocwen make FHA sound like so sorry for your bad luck. But after all of we do n't care. I believe this underwriter did not follow the occs guideline, please research this for me. I can be reached at XXXX.
Product: Credit reporting or other personal consumer reports

In XX/XX/year>, I discovered that XXXX XXXX had reported a fraudulent account under my name to the credit bureaus. The account number XXXX was reported without my authorization, and after contacting XXXX XXXX, a representative confirmed that the account did not match my personal information and was fraudulent. Subsequently, Experian removed this fraudulent account from my credit report. 

However, despite this resolution, in XX/XX/year>, XXXX XXXX reported another fraudulent account under my name, this time with account number XXXX. I contacted XXXX XXXX again, referencing their identity theft dispute case number XXXX, but the fraudulent account remains on my credit report. This continued reporting of false information is a violation of the Fair Credit Reporting Act ( FCRA ). 

I also have recorded telephone conversations from XXXX XXXX stating that he will flag the account as fraudulent. 

I have taken all appropriate steps, including filing an identity theft report with the Federal Trade Commission ( FTC Report Number : XXXX ) and contacting the credit bureaus, yet Affirm continues to report inaccurate and fraudulent information under my name, which is negatively impacting my credit.
Product: Credit reporting or other personal consumer reports

Harassment and Inaccurate Credit Reporting by XXXX XXXX XXXX  To Whom It May Concern, I am filing a formal complaint against XXXX XXXX XXXX regarding harassment and inaccurate reporting of an account I have no knowledge of. The details of the account are as follows : - **Company Name : XXXX XXXX XXXX XXXX - **Account Number : ** XXXX - **Account Type : ** Collection - **Balance : ** {$750.00} - **Date Opened : ** XX/XX/XXXXXXXX  - **Status : ** Collection account reported as past due {$750.00} as of XX/XX/XXXX. 

This account, linked to XXXX, has been reported to my credit file despite my having no awareness of its existence, no knowledge of the alleged equipment, and no associated transactions. My efforts to resolve this matter have been met with continued harassment and negligence by the company. 

Under the Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681s-2**, it is unlawful for any company to furnish inaccurate or incomplete information to credit reporting agencies. Furthermore, the harassing communications from XXXX XXXX XXXX may constitute a violation of the **Fair Debt Collection Practices Act ( FDCPA ) - 15 U.S.C. 1692d**, which prohibits abusive, deceptive, and unfair practices by debt collectors. 

I respectfully request the following : 1. Immediate cessation of all harassing communications regarding this account.

2. An investigation into the legitimacy of this account, including validation of the debt.

3. Removal of this account from all credit reporting agencies if the claim is invalid. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

National credit system , INC is trying to collect debt on behalf of XXXX XXXX XXXX  property manager XXXX, first thing this collection was sent before i received a letter from the property manger ; when i received the letter i reach Out to the property manger, she did not provide me with any paperwork or proofs as to whether the amount owed was correct ; and where it states in the lease that i had To pay for blinds that i had For almost years ; i stated To her that is wear is wear in tear and the Counter tops were damaged when i moved In, and i put in work orders and this was never done.

However i over paid my rent XXXX and put a deposit down that amount was keep and my deposit. The statement is showing lots of things that was wrong with the apartment that was this way upon moving in and inspections, this debt collector is acting as if these things are things i am Responsible for as a renter. The things in this letter are things the landlord is responsible for.

The conditions of the apartment are due to landlord not keeping up with the property or the apartments just the grass, there was multiple times i have To get a inspector to come out and make the landlord complete repairs. There were mice at the apartment and this issue was never resolved properly.

This property is known for having mice, & the only thing they do is cut the grass frequently, nothing to prevent or upkeep the apartments. However i wasnt giving validation of debt nor accountability for where my money went, which was a issue with this property as well, was over charged for water bill, multiple times, i feel there is my money still owed to me from this property and my water bill and rent payment history needs to be looked into.

This debt is not valid nor truth, this was written by the property manager no proof or evidence whatsoever. This is not the first apartment i have Lived in blinds replacement and carpet replacement is what ever landlord does to every apartment and no one else was charged for this, i deep Cleaned this apartment and left it and better condition than when i moved in, it was dirty among many other issues, the property manger is looking for ways to keep my over payment of XXXX or more, and keep my deposit while charging me more money. XXXX XXXX has done fraudulent things and this debt is fraud, not valid.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 
XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a {$7000.00} charge off on my credit and bill collectors keep contacting me about this XXXX XXXX XXXX. I just received an email from Capital One claiming they were going to repossess the car. This vehicle was totaled in XXXX, and as shown in the attached photos both insurance paid out and XXXX was paid to the lender, but they are still coming after me for a car that doesn't exist for money they were paid years ago.
Product: Debt collection

This company continues to report inaccurate information on my credit report that has brought bad things to my life and ruin my credit. Then when i dispute it and ask for verication or validation on the account i still get kno where with it so this has to stop now.
Product: Credit reporting or other personal consumer reports

Seeing errors on my credit report out of nowhere this morning left me stunned. I regularly check my report, and this was completely unexpected. I refreshed my browser, hoping it was a temporary issue, but the errors stayed. Im requesting a thorough examination of my documents to ensure I never have to worry about this again.