23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

this matter with the collection company ( union adjustment co. XXXX XXXX XXXX, XXXX ca XXXX ), was dismissed in superior court of calf. on XX/XX/2014, case # XXXX. the company refuses to accept the court order and continues it's actions. copy of court order to be faxed to XXXX
Product: Mortgage

I RECEIVED A HOME LOAN MODIFICATION PACKET FROM WELLS FARGO IN XXXX XXXX. I CALLED TO INFORM THEM THAT I DID NOT REQUEST A MODIFICATION WANTED TO ENSURE THERE WOULD BE NO FUTURE ISSUES. I CALLED A SECOND TIME AS VERIFICATION, THE REPRESENTATIVE INFORMED ME THAT I WAS NOT AT LIBERTY TO REQUEST THE REMOVAL AND MY MONTH MORTGAGE PAYMENT WOULD INCREASE IN XXXX XXXX, IN ANTICIPATION THAT WELLS FARGO WILL BE PAYING MY HOMEOWNERS INSURANCE BEGINNING XXXX OF XXXX. I EXPLAINED TO THE REP., THAT I DO NOT ESCROW AND I PAY MY OWN TAXES, AND INSURANCE. THE ONLY TIME MY ACCOUNT WAS IN ESCROW WAS WHEN I ATTEMTPED TO MODIFY MY LOAN, A PART OF THE PROBATION PROCESS IS YOU INSURANCE AND TAXES MUST BE IN ESCROW. AT SOME POINT I DECIDED I DID NOT WANT TO MODIFY, RESCINDING THE REQUEST AS WELL AS MY ESCROW ACCOUNT. WELLS FARGO ACKNOWLEDGED THEY DID RECEIVE THE NOTIFICATIONS, AND REMOVED THE ESCROW. HOWEVER, DURING THE PROBATIONARY PERIOD FUNDS WERE ADVANCED TO PAY MY INSURANCE AND TAXES. BECAUSE I DID NOT WANT TO ESCROW MY ACCOUNT A TWO YEAR PAYMENT PLAN TO BEGIN IN XXXX, XXXX ... WAS INITIATED. IN XXXX OF XXXX I CALLED W.F. AGAIN HOPING TO GET A RESOLUTION I SPOKE WITH A XXXX ... XXXX XXXX. XXXX XXXX. ISSUE STILL WAS NOT RESOLVED ... IN XXXX I SPOKE WITH XXXX XXXX XXXX, HE ASSURED ME THE PROBLEM WAS FIXED, MY MORTGAGE PAYMENT WOULD REMAIN THE SAME {$760.00}. I GET MY MORTGAGE STATEMENT MY PAYMENT WAS {$1000.00}. I CALL HIM AGAIN, HE STATED HE WAS WORKING ON IT, AND PROBLEM WILL BE RESOLVED. I GET MY XXXX. STATEMENT ... .STILL {$1000.00}. I CALL AGAIN, THIS TIME I SPEAK WITH XXXX, SHE STATED SHE WAS WORKING ON THE CASE, AND WOULD HAVE AN ANSWER IN 14 DAYS. 14 DAYS GO BY, I CALL AGAIN ... THIS TIME I SPEAK WITH XXXX XXXX XXXX. SHE STATES SHE SHOULD HAVE AN ANSWER IN 7 DAYS, 7 DAYS GO BY SHE IS OFF OF WORK. THEY ARE BEYOND GIVING ME THE RUN AROUND. I WALK INTO WELLS FARGO IN XXXX, TEXAS, I SPEAK WITH XXXX.. HE CALLS THE MORTGAGE DEPARTMENT, WHO EXPLAINS TO HIM THAT THE ESCROW ACCOUNT CAN NOT BE REMOVED BECAUSE W.F. PAYED MY INSURANCE IN XXXX ... .I FAX A COPY OF COVERAGE TO THE MORTGAGE DEPARTMENT. I SPEAK TO XXXX WHO CLAIMS SHE SUBMITTED A DOCUMENT TO THE ESCROW DEPARTMENT TELLING THEM TO REMOVE THE ACCOUNT. SHE ASKED I GIVE HER 3 DAYS, 4TH DAY SHE IS OFF. IT IS MY BELIEF THAT WELLS FARGO IS UNDERHANDEDLY TRYING TO FORECLOSE ON MY HOME BECAUSE I AM A XXXX PERSON. MY TAXES ON MY HOME ARE PAID, MY INSURANCE IS UP TO DATE. THERE SHOULD BE NO REASON FOR THEM TO ESCROW MY ACCOUNT. I AM REQUESTING A FULL INVESTIGATION INTO THESE ALLEGATIONS.
Product: Checking or savings account

I open an account on Robinhood for a brokerage and spending account shortly there after Ive bought and sold XXXX  stocks and earned about {$1100.00} ; immediately upon trying to sell these funds after they had settled into my spend account. My account was locked and has been ever since I have contacted Robinhood many times many different ways Ive sent them my Social Security card, my drivers license and many other identifying documents, as well as bank statements, showing unequivocally my ownership of that account and validity of my identification. I even have the stocks that Ive sold listed on my tax return, the proceeds from the stocks have been locked in the spending account as well as the brokerage account since XX/XX/2022. After all this time the accounts have been marked for closure by Robinhood and the funds have not been transferred to me because Robin Hood has stated they can not tell the validity of the funds, even though you can explicitly see the transactions from which these funds were procured from through there own stock market/brokerage account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 15 usc code 1681b ( a ) ( 2 ) I have not given any permission to report this account, please remove ACCOUNT from my credit report.
Product: Debt collection

On XX/XX/year>, I received a call from a number that showed up as being from a town in NC. Since I didnt recognize the number, I let it got to voicemail. I got a voicemail from a guy who said he was XXXX XXXX, and stated he was calling in regards to a client wanting to file a lawsuit against me. The number he left as a callback number was a number somewhere in Georgia. Out of curiosity, called the number and got voicemail. So then I called the number where he actually called from. After questioning him about the lawsuit, he claimed that some company ( I recall him mentioning the name of Citi or City- he never specified ) was wanting to file a lawsuit for {$13000.00}. He stated the original balance was somewhere just under {$5000.00}. With the line of questioning he gave me, this would have to be a debt in the excess of 20 years if it is legitimate. He never at any time disclosed who his employer or the name of his business was. He never gave the traditional this is an attempt to collect on a debt statement. As far as I can remember, I have never owed anyone that much money as unpaid for an reason. There is absolutely nothing on my credit report that would show a collectible debt of that amount. He did threaten me with legal action and that they would take my money by any means possible. I did some research on both of the phone numbers, and both came back as showing as being scam numbers. I also searched this guys name and found no association with any type of collection agency. I have screenshots of the voicemail, and my searches mentioned above. Also, when I refuted his claim, he started to get somewhat belligerent with me ( something that is very unprofessional of a collection agent ). The numbers he used was XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sending my CFPB complaint to inform you about the accounts that are still reported as late in my credit file. The current status should not be showing late because I paid it on time. The 3 Credit Reporting Agency lacks proper record keeping. The accounts are open and when I requested records to prove theyre reporting is erroneously they have failed to provide me with any evidence.. Lets correct this immediately. The Bureaus are required to verify for them, but they failed to neither verify nor update me about these complaints. Provide documentation that the Bureaus has not abrogated my rights by reporting false information, otherwise remove these accounts immediately : XXXX XXXX Balance Owed : {$11000.00} ; XXXX XXXX XXXX Balance Owed : {$910.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

In the past ive had identity Theft so theres alerts on my credit i cant write checks or open a bank account due to chex systems error. Please Ive been trying to clear this out but been unsuccessful. The financial institutions stated its chex systems reported theft. please lift what ever is on chex systems .thanks XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

to whom it may concern, I am writing to bring to your attention a serious issue that has arisen with my credit accounts and credit report. Over a month ago, I received a letter from XXXX  XXXX XXXX stating that one of my credit cards would be closed and the credit limit on another card would be lowered due to alleged delinquency on my credit score. I want to emphasize that I have never missed a payment on any type of loan or credit card. 

Upon investigating, I checked my credit score through a free credit report service and noticed an unfamiliar loan under the name of XXXX XXXX XXXX for the amount of {$2100.00}. When I contacted the number listed on my credit report, I was informed that this loan was taken out in XXXX  and was intended for travel expenses. However, I have never taken a loan from XXXX XXXX XXXX, nor was I aware of such a loan. After explaining this to the representative, they suggested I file a dispute. When I provided my information, they could not find any record under my name, phone number, or any other contact information previously owned by me or my wife, and advised me to contact the credit reporting agency. 

I subsequently filed a dispute with TransUnion. However, after a month, TransUnion informed me that they had contacted XXXX XXXX XXXX regarding the loan, but the company did not provide any response. This lack of response has left the dispute unresolved, and TransUnion still lists the loan as valid on my credit report, which is not accurate. 

After filing a complaint through the Consumer Financial Protection Bureau ( CFPB ), XXXX XXXX XXXX responded that the loan was for a trip from XXXX XXXX to XXXX, two locations I have never visited. The person I spoke with on the phone provided names associated with the purchase of airline tickets : XXXX XXXX, XXXX XXXX, and XXXX XXXX of whom I know. These tickets were bought through an airline called XXXX for a round trip from XXXX XXXX to XXXX from XX/XX/XXXX to XX/XX/XXXX. 

They instructed me to file a form to dispute the loan, which I did, and even had it notarized. However, when I sent this documentation, XXXX responded that it was not sufficient proof. When I called them again, I was told that the loan was my responsibility, even though I never requested it, and that I need to pay more attention to my credit report. 

I am extremely concerned because I have checked my credit report regularly, and this loan only appeared recently. XXXX XXXX XXXX and TransUnion are not providing any solution or guidance on what else I can do to prove that this loan is not mine. 

This situation is causing significant stress and impacting my financial standing. I urgently need assistance to resolve this issue. Please take the necessary steps to investigate and rectify these discrepancies. 

Thank you for your prompt attention to this urgent matter. I look forward to your swift response. 

Sincerely, XXXX XXXX XXXX ( Spanish )
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that that this item was verified by the creditor however there is nothing notated on my credit reports that this item was ever disputed. That is a violation and this item needs to be deleted.
Product: Payday loan, title loan, or personal loan

I called Comenity Bank to pay off my loan with XXXX on XX/XX/2022. Multiple times throughout this process, I was pitched " promotions '' and even told I could not pay off the loan at that time. Finally, the Customer Support Representative allowed me to pay off the full balance of the loan, after I threatened to complain, and was told the entire balance of the loan was removed -- that there would be no further charges. Fast forward to XX/XX/2022, and there are multiple interest and finance charges totaling {$29.00}.
Product: Mortgage

XXXX 2017 we decided to take out a new home loan with Supreme Lending located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX, we were promised several different interest rates and finally 4 days before we closed we received documents to sign locking us into a higher rate without any explanation. The entire home buying process with this office was a disaster to include the loan processers were non-responsive at times to emails and calls up until closing date. Throughout the loan process simple things were not communicated with us such as ; exact close date & time, what additional documents needed/required, what type of loan approved for and something simple as what interest rate could we expect to be locked into. There were many clerical errors made in which held of the loan process and finally several of the staff were rude and unprofessional when they were contacted to obtain clarity.
Product: Checking or savings account

My card went through despite not having money and was charged an overdraft fee
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent this request for disputing to XXXX and XXXX, no response Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.cal. XXXX XXXX, 1995 ), you may be liable for your willful non-compliance. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. You have 15 days to cure. 
For your benefit, and as a gesture of my goodwill, I will restate my dispute. The following information needs to be verified and, following failure to verify, deleted from the report as soon as possible : 1. This account does not belong to me. 
XXXX XXXX Account Number : XXXX Please remove this account from my credit report immediately! 
The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes.

I am a victim of Identity Theft, this account is Fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Consuegra and Duffy P.L.L.C is in violation of my federally protected consumer rights according to 15 usc 1692e ( 3 ) a debt collector, in collecting a debt, ( Which Consuegra and Duffy P.L.L.C is trying to collect an alleged debt ) may not use any false, deceptive or misleading represent or imply that he or she is an attorney or that communication is from an attorney. 

Further, as per judgement made in the case of XXXX XXXX XXXX XXXX XXXX XXXX, the provisions of the Fair Debt Collection Practices Act applies to attorneys who " regularly '' engage in consumer- debt collection activity, even when that activity consists of litigation. Thereof, as per judgement mentioned herein, your firm is liable as a debt collector.
Product: Credit reporting or other personal consumer reports

Hello these 3 credit agencies have deliberately reported fraud accounts on my report. i sent in the necessary documents needed to get them blocked and these credit agencies haven't done their job. This fraud XXXX account is a clear result of identity theft. 
Pursuant to FCRA 605B law - the agencies SHALL block this fraud information within four business days of receipt.

I WILL SUE ALL PARTIES INVOLVED AND RECEIVE 1K per month for however long this item has been reporting on my credit - for damages.!
Product: Credit reporting, credit repair services, or other personal consumer reports

Account name XXXX XXXXXXXX Account number XXXX Date opened XX/XX/2015 in accordance with the Fair Credit Reporting act XXXX Account # XXXX ha

s violated my rights.

15 U.S.C 1681 section 602 A States I have the right of 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

I have a checking and saving account with Citibank and I live in NY. I was vacationing with my family in Maryland, Washington State and Viginia. I use the checking and saving account through Citibank as my only source of income. The bank however on XX/XX/23 blocked my account without notice via text or call, I called the bank and I was informed that it is possible suspicious activities on my account. The representative who appeared to be working from remote in another country verified all transactions with me but still told me my account will remain blocked and I have to wait for the bank to send a new debit card to my home. I was left stranded in another State with no access to funds to return home. I had to borrow money from an individual to bring my family back to new your and also cover other expenditures. I had no access to my own money. I made efforts to speak to a supervisor and did not receive a call back. This is unfair to me. I had no access to my own money I worked hard for. There was no consultation with me prior to blocking the card. There was also no communication with me around what or any merchant that may have compromised the security of the card. There was also no resolution to my issue regarding access to any funds to help my family return to NY.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian continues to report a collection on my account in violation of 15 USC 1681a ( 1 ), 15 USC 1681b ( a ) ( 2 )
Product: Credit reporting, credit repair services, or other personal consumer reports

equifax has to remove ... XXXX ... XXXX XXXX XXXX ... XXXX  XXXX ... XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3900.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/2017 with a balance of {$3900.00} -This is not my account.
Product: Debt collection

OneMain Financial Services kept calling my place of employment because I was behind on the loan I had with them. They were told once by a co-worker I 'm not allowed to have these types of calls, they persisted. They where then told by my HR manager to stop calling here for me, they persisted. They were told once by myself to stop calling, they persisted. They were then told two separate times by my compliance manager to stop calling and they persisted. They have put my job at risk and now have filed a lawsuit against me and are taking me to small claims court. I need help with this situation. Please advise me on what I should do
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payments XXXX XXXXXXXX, XXXX  XXXX accounts for months. Transunion refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
Product: Credit reporting, credit repair services, or other personal consumer reports

Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however, they are refusing to remove the information stating that items come back validated even though the information is incorrect
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX # XXXX XX/XX/XXXX -- {$250.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$0.00}
Product: Debt collection

I 've tried disputing a fraudulent collection account on my credit report. I 've sent letters to the agency and have gotten little response. My official complaint is against  Paramount Recovery  for reporting credit information to the credit reporting agencies that was a result of Identity Theft Ive asked in my letter that the negative reporting ceases and the information be removed from my credit report.