23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Because my information is embezzled, so many account I do not know when to open, I know have no regular bank checking account, any bank in the XXXX XXXX will not open a checking account, I want to ask why, because it is not my own, why do not give me, actually I am a XXXX?
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$6500.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8300.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Product: Vehicle loan or lease

Yamaha Financial Services has failed to provide a current and accurate statement for several months. I have called and emailed several times and they have failed to respond to my requests for statements. 

As of XX/XX/2020 my account shows the following statements : Statement Date XXXX XXXX XXXX XXXX XXXX Notices there are no statements for XXXX, XXXX, or XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a loan payment deferral with XXXX XXXX. The agreement covered 2 months XX/XX/2018 and XX/XX/2018. The agreement was approved. I was initially told verbally that the agreement must be signed and returned immediately after receiving. I began to look for the agreement within 24 hours. When I spoke to customer service I was informed it would take at least 72 hours not including the weekend. I received the agreement and it was signed and faxed on XX/XX/2018. With the agreement covering XX/XX/XXXX and XX/XX/XXXX my next payment would be due on XX/XX/2018. To my dismay it was reported to the credit reporting agencies that I past due for both. XX/XX/2018 and XX/XX/2018. When I put forth a dispute nothing changed then I submitted the original agreement. That was submitted to XXXX and now my credit report shows I was late for XX/XX/XXXX only. I have made good faith attempts to correct this with all 3 reporting agencies and XXXX to no avail. The information sent to me by XXXX outlining the agreement and signed and returned by me clearly covers. XX/XX/2018 and XX/XX/2018. So now I need your agency to assist me to make this right.
Product: Payday loan, title loan, or personal loan

On XX/XX/2022 I paid {$1100.00}, {$550.00} each transaction, to XXXX for one way flight tickets to XXXX from XXXX, using PayPal Credit. These tickets had rebooking terms that stated I would only be responsible for fare difference and monies paid would go toward the rebooking cost. When I needed to rebook on XX/XX/2022 the terms were honored, but they were not honored when I needed to rebook on XX/XX/2022. I disputed both {$550.00} transactions, one of which I had already fully paid off, the other I had made over {$100.00} in payments towards, with PayPal Credit aka Synchrony Bank on XX/XX/2022 and on XX/XX/2022 I received an email from Synchrony Bank stating they could not continue with my dispute because I already disputed these transactions with my financial institution. I reached out to Synchrony Bank via live chat the same day, as I paid with PayPal Credit aka Synchrony Bank, so its impossible for those charges to be disputed anywhere else. I was told by the agent that the disputed had been resolved in my favor and credits for the amount of both {$550.00} transactions had been credited to my account permanently. I made sure to confirm these were not temporary credits while the dispute investigation was ongoing ; I was assured it was permanent and the dispute was resolved. However, one credit was reversed on XX/XX/XXXX with no explanation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a credit card through Ulta Beauty, they use Commenity Bank for their credit card. I had applied at the store and used credit for about {$120.00} on XXXX XXXX, XXXX. I never received anything from the bank after that or a card for Ulta Beauty. I was not able to settle my balance because I didn't have access to an account. XX/XX/XXXX comes, and I start receiving phone calls from an odd number who claims they are Commenity Bank and that I own them money. I had never heard of the bank before, so I thought it was a scam and I ignored it. I eventually answer the calls and speak with an employee from Commenity Bank, who through a lot of confusion and questions, I figure out is the bank responsible for my card at Ulta. They inform me of the money I owe, and I settle my payment on XXXX XX/XX/XXXX. XXXX XXXX XXXX, Commenity/Ulta reports that I have a balance still on the card and that I have missed 4 payments, when I have already settled my card. I spoke with the employee and she cleared the payments from my account and I asked her to close my account. My complaint is that my credit score has gone down significantly due to this misunderstanding. Commenity to my knowledge has put in an effort to get this corrected, but I have not seen any remedy to my credit score, so I am submitting a formal complaint on my own behalf.
Product: Consumer Loan

I reached out to my lender in XXXX 2014 to advise that I had been in an accident and the car would be going into the mechanic. The accident happened after I was forced to cancel my XXXX that I was offered and kept me from obtaining additional employment. I was in communication with the lender initially and I stopped hearing from them until I reached out with an update. I was finally able to nail down employment in late XXXX and reached out to the company to advise that I was going to be returning to work and had reached out to the mechanic to get my car back and was told that I owed him money, after the supplemental check had been cut from the insurance company. I reached out to Santander and advised them of this and I was told that someone would go out to the location, appraise the work done and pay the mechanic. After that was completed, I was advised that I would receive communication with the next steps. A XXXX months passed and I made a few calls initially but there was no update so I decided to wait, as told initially. I reached out again in XXXX when I had funds available and full intentions of paying them impound fees and getting my car back and was then informed my car had been sold at auction the week before. I advised that this was not an issue, if the car was no longer my responsibility. The agent advised that because the car was sold, I was not liable. I then was refused an apartment and ended up homeless because two months later I get a credit check done and at the last XXXX a lien shows up on my credit that I defaulted on auto loan, which is untrue. Throughout the entire time the car was with the mechanic, I was repeatedly advised that upon completion of work done, the loan would be modified to reflect the time that it was out of commission and therefore I was not late. It would be a totally different situation had I not done my due diligence, but every agent I spoke with was aware that I had XXXX from XXXX to XXXX and no one took the time to update my mailing address. It slipped my mind as well but that is n't my job description. I should not be punished for a company 's poor business practices.
Product: Mortgage

For the Record I submit through the CFPB unto Wells Fargo Home Mortgage XXXX : XXXX XXXX. 


my documents and revocation of XXXX. from WELLS FARGO and WELLS FARGO HOME MORTGAGE and appoint XXXX XXXX XXXX as my legal representative with full rights and Power of attorney ( see documents attached ) Let it be known XX/XX/XXXX so there can be no controversy both parties are in fact operating in Bankruptcy under the Bankruptcy Act Debt and not be paid with debt only discharged since 1933 I reserve my rights and waive none pursuant UCC1-308
Product: Debt collection

I received a call from Evergreen Professional Recoveries Inc on XX/XX/XXXX. 
I was unable to understand who this person was or where they were calling from. 
After a few minutes of back-and-forth asking her to repeat herself while remaining barely intelligible, she informed me she was attempting to collect a debt in excess of one thousand dollars with an original billing date of XX/XX/XXXX. I asked her to who the original creditor was or what it was for, and she said she was unable to tell me but continued to say 'evergreen ' which I only found out was the name of the collection agency itself and not who I was originally billed by after XXXX  the phone number. 

I attempted to determine what the original bill was for, and as I was to going through what it could have possibly come from that has already been resolved ( as I currently do not owe any money to any entity, and even at one point asked if I was supposed to send the collections company or the original creditor the receipts/statements with no real answer ) she hung up on me mid-sentence. I was not being abusive or aggressive, and though I admit to possibly rambling as it completely caught me off guard and I was confused, it was unprofessional and rude. Not entirely sure why someone attempting to collect a debt hang up on that debtor during a first contact call. 

I have received no written notice as of XX/XX/XXXX and the two times they have called since XX/XX/XXXX they have left voicemails that have been completely silent but for the sound of people in the background talking/working. 

They have failed to validate the debt, it is unequivocally nonexistent, and I believe even if there were- and this is not acknowledgment of the existence or legitimacy of said debt-, it was grossly inflated by the representative who spoke with me as I have never owed, much less agreed to the transaction of services for, anything even remotely close to the value that I was told.
Product: Checking or savings account

Its with Bank of America. It was in 2020 a lender hacked my account and then via closed it stating there was fraud
Product: Credit reporting or other personal consumer reports

After checking all of my credit reports, I noticed that there are some accounts that should have never been put onto ANY of my credit files. I never gave consent for XXXX XXXX XXXX XXXX XXXX XXXX XXXX to post my personal AND educational school history financial documents. That is a major violation of the Privacy Act of 1974, as well as, a major violation of 42 USC 408 - Penalties. 

My school loans should have never been posted to any credit file because I never gave consent and it's a major violation of THE SELECTIVE SERVICE. I REGISTERED WITH THE SELECTIVE SERVICE on XX/XX/XXXX ; SELECTIVE SERVICE # XXXX. 

I have already contacted the SELECTIVE SERVICE and I was told that my school loans should have NEVER been attached to ANY credit file bearing my name and social security number. The SELECTIVE SERVICE representative made me aware that ANY school loan was DISCHARGED because of my registration with the SELECTIVE SERVICE on XX/XX/XXXX. 

Federal School Loans are backed by the Full Faith and Credit of the United States of America.
Product: Credit card

JC Penny credit card I have promotional rates in some purchases, but everytime that I buy something new without a promotional, all my payments goes directly to pay my promotional balances, and I need to call all the time to Alocate the payment to the none promotional, in other words, JC Penny, always alocated my payments on my balance with 0 % interest, so the balace with interes start accumulate. 
Not sure if exists a rule that they need to put my payment on the high interest first then the 0 %?
Product: Mortgage

I was told by the title company to mail my payment using a payment coupon in XXXX, Washington. I mailed the payment off early via money orders. I received a letter a week or so later stating I need to mail it to the XXXX office. I called and spoke with a XXXX XXXX and was told the payment was received on XX/XX/XXXX. He told that he would be transferred to my XXXX account. I received a letter in the mail a week later stating I have not made my XXXX payment. I called the company from where I purchased the money order and was told it was cashed on XX/XX/XXXX. I called XXXX back and he said it was recieved and transferred to my XXXX account and would take a couple days to process. 
He also said I would recieve an email from him. I never received the email. I called another number a spoke to a XXXX and said told that no payment was never transferred to them. She me an email address to send copies of my money orders and payment coupon. I was suppose to hear from someone, but I have not. XXXX XXXX with XXXX has been lying to me and giving me the run around. My child and I can not afford to lose money and be homeless again. Please Help Us! I paid with 2 money orders {$1000.00} and {$260.00}. My mortgage payment is {$1100.00}
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Chargeoff XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Chargeoff XXXX XXXX  XXXX XXXX Date Opened XXXX XX/XX/XXXX XXXX XXXX {$790.00} Late/Open Inquiries in Dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX ( XX/XX/XXXX amount {$2100.00} dispute filed ), XXXX XXXX XXXX ( XX/XX/XXXX amount {$26000.00} dispute filed ), XXXX XXXX ( XX/XX/XXXX amount {$120.00} dispute filed ) has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. the list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC1681 XXXX XXXX # XXXX XXXXXXXX XXXX XXXX XXXX  1.5 USC 1681 section 602 states i have right to privacy. 15 USC 1681 Section 602 its also states a consumer report agency can not furnish a account without my written instructions. 15 USC 1681c [ a ] Section states no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information other than records of conviction of crimes which antedates the report by more than seven years. 15 USC 1681S-2 [ A ] a person shall not furnish ant information relating to a consumer to a consumer reporting agency if the person knows or reasonable cause to believe that the information is inaccurata
Product: Debt collection

In accordance with the Fair Credit Reporting Act, XXXX account XXXX XXXXXXXX has violated my rights. 15 U.S.C. 1681 section 602 A states I have the right to privacy. 15 U.S.C. 1681 604 A section 2 also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

Im disputing information on my credit report. Pursuant to FCRA 605B Im including exactly what youre requesting. Proof of my identity, accounts which were involved with the theft & a copy of a completed & submitted FTC identity theft report. Im complying with the letter of the law & what youre required to have to honor my 605B request. The following accounts need to be blocked or removed from my report. Please see this matter is attended to with the utmost urgency. 

These are the fraudulent accounts on my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

in the year of 2023, months starting near XXXX until now have been causing adverse action to me while reporting transactions. 

Exclusions of my " consumer report '' deal with any report solely as to transactions or experiences between the consumer and the person making the report.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my personal credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The XXXX XXXX XXXX ( CRA ) & data furnisher ( XXXX ) are not complying with federal law in regard to identity theft. Additionally, the XXXX XXXX XXXX XXXX XXXX furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX CARDS XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX AUTO XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Mortgage

Over a year ago I petition this company Mr. cooper mortgage to remove my PMI. As the entire world has experienced housing prices going up. It is my assertion that mr. Cooper is engaging in malicious business practices in the XXXX XXXX  community. Where I live is 80 % -90 % XXXX XXXX. They charged me {$100.00} for a brokers prices opinion and used comparable sales that catered to their narrative to ensure that I could not remove their PMI. They also have inflated my escrow every year since I have been with them. Please engage the CEO of the company. They have priced my home at the same amount it was on purpose to keep charging my account. I have paid every payment in good faith and am at an equity point that the PMI can and should be removed but they refused to do so. Even their website valuation too and every single site that help with evaluation shows my home is work XXXX. But they can back with a price of XXXX in an attempt to make sure myself and XXXX XXXX  male is locked into paying more than my XXXX XXXX. This is malicious and needs to be investigated. When people of another race call for this same evaluation they are given a different level of service and consideration. They always turned around and solicited my to refinance. I wonder if I went and applied to refinance my home would they come up with a different valuation. 

The result : I am asking that mr. Cooper mortgage remove my PMI immediately. They have not reasons to continue to change this account as I am under 80 % Ltv by every logical measure. 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I received a Hard Inquiry with XXXX from Barclays Bank Delaware. I called the bank on XX/XX/2023 and I spoke with the Fraud Department and I stated that the application that was attempted to open with my information was not me and they reported it as fraud and reported it with the credit bureau.
Product: Credit reporting or other personal consumer reports

Lexis Nexis has continued to report inaccurate unverified information on my XXXX, XXXX, and XXXX credit file. The information that youre reporting regarding this bankruptcy, such as personal information, dates, and status are completely inaccurate. I have disputed this matter multiple times, but Lexis Nexis has continued to improperly investigate and validate the information with the original reporting agency. I contacted the court that is attached to the account, in which I was told that they do not verify bankruptcy information to any credit bureaus. So how is this being verified? This an inaccurate account has caused me to constantly be denied financing.