23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including many inquiries that I was not able to list on this application. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX XXXX {$270.00} XXXX  XXXX {$270.00} XXXX XXXX {$1400.00} XXXX XXXX {$0.00} XXXX XXXX XXXX {$7200.00} XXXX/XXXX   XXXX {$640.00} XXXX  XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX  XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX  XXXX {$0.00} XXXX  XXXX {$860.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX  XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX XXXX XXXX XXXX settled a multi-state law suit in regards to lending practices for car loans provided to consumers between the years of XXXX to XXXX. This settlement affected 34 states including Georgia. Part of that agreement provided relief for consumer who received loans during that period and XXXX XXXX XXXX and its associated companies XXXX XXXX and XXXX XXXX agreed to the following conditions : XXXX will pay {$65.00} XXXX to the 34 participating states for restitution for certain subprime consumers who defaulted on loans between XXXX XXXX, XXXX and XXXX XXXX, XXXX, XXXX is required to allow them to keep their car and waive any loan balance, up to a total value of {$45.00} XXXX in loan forgiveness, and XXXX will also pay up to {$2.00} XXXX for the settlement administrator who will administer restitution claims, and pay an additional {$5.00} XXXX to the states. The settlement also includes significant consumer relief by way of loan forgiveness. In all, XXXX has agreed to waive the deficiency balances for certain defaulted consumers, with approximately {$430.00} XXXX in immediate forgiveness of loans still owned by XXXX, and additional deficiency waivers of loans that XXXX no longer owns but is required to attempt to buy back. My home state of Georgia is apart of this settlement and I was notified about the settlement by the Attorney General of my state. I was informed to contact XXXX XXXX XXXX. in regards to the settlement. After contact XXXX, XXXX XXXX, and XXXX XXXX they informed me to that they were not aware of a settlement and if I had a problem it needs to be disputed through the credit bureaus. I filed a dispute with all three bureaus and instead of investigation the issues XXXX and its other companies added additional negative remarks to my accounts which impacted my credit scores which was opposite of what the law suit stated.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNT and INQUIRIE that are not associated with me. 
All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. 
In addition, I request the immediate removal of the following fraudulent ACCOUNT and INQUIRIE from my credit report. 
ACCOUNT : XXXXXXXX XXXX XXXX XXXXXXXX {$2800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act, the holder of these accounts have violated my rights to privacy. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

In XXXX, 2021, I wrote to the company to ask about some purchases that I made, which were subsequently canceled and the company refunded my money. I was curious why this didn't show up on my statements. I never received an answer. Instead, about a month later, I received a letter in the mail ( from Chase ) telling me they were researching my " dispute. '' I wrote back, saying I hadn't filed a dispute and asked what the topic of this supposed dispute was about. I have never received an answer. Approximately 30 messages have gone unanswered by them. Phone calls aren't answered. 
Today, I got another letter, telling me that I am going to be charged {$100.00} because they reversed their decision on my dispute. This is outrageous. I NEVER FILED A DISPUTE.
Product: Checking or savings account

chime has failed to provide consumer protection after disputes rose for charges occuring from a holding company in XXXX. XXXX who is authorized to serve that region and is prohibited by minnesota law to operate a casino online accessible from here. They have had a standing ban on me, and during the transactions authorization is not logical when access is barred by ip blocker, the following claim dates and amounts were denied today one of which is dated in error by chime for a date that hasnt come to be yet, XXXX {$20.00} XXXX {$46.00} XXXX {$26.00} XXXX {$8.00} XXXX {$75.00} XXXX {$69.00} XX/XX/21 XXXX XX/XX/21 XXXX XXXX {$61.00}, this is likely accurately from XXXX, but reflects their lack of attention to detail. This was just group refused XXXX XXXX  cst. 

This is after i have lodge report with FTC laying out the merchants illegal operation of a prohibited establishment via internet within the state of minnesota, when funds are obtained conducting business under prohibited terms, that results in the transaction being a product of fraud, and an error is clearly present and i am due my money back thats what protection means and they are disregarding the fact that business conducted unlawfully by deceptive means violates the UCC governing all commerence, and federal and local laws pertaining to engaging in defrauding the citizens of this country... chime has been notified and requested to abide by consumer protection and limits on the liability of the consumer. this is only a small part of the loss. further they tell me this morning a error occurred on one of the above matters than refuse to follow that notice and instead again reject it after i supplied the notice from FTC directing me to dispute and pursue chargebacks under my consumer rights, chime is liable for all loss incurred and just disregards my invoking my rights
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is continuing to stick by the lie that they attempted to notify me about my deferment and forbearance periods ending. 
They never did, until my loan was almost in default. Then of course I responded immediately, as I would have if they actually would have attempted to contact me in any way, shape, or form. I believe they deliberately denied me information and avoided contacting me as long as possible to maximize the amount of interest on my loans.I had the same loans previously with XXXX XXXX, XXXX, SC XXXX XXXX XXXX, and XXXX XXXX  XXXX XXXX and never once had a problem with a late payment or communication issue. It is only when my loan was transferred to XXXX that I began to have problems. Not a single phone call, automated or not, to me until I was almost 180 days past due, when I know I should have been in forbearance or had a XXXX payment due to my income based repayment plan. Seriously if XXXX the only option available to you, it is best to flip burgers. You'll likely come out ahead in the end, read any other complaint listed here or just search for news articles about them on the internet. They are not difficult to find.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/year> I received a call from BMO, in XXXX XXXX, XXXX  XXXX, that my elderly father with XXXX XXXX had papers to sign. I asked what papers he needed to sign. The lady said she couldn't discuss that with me. I informed her I do have financial power of attorney. I then said " he better not be getting another loan '' she said she cant discuss that with me, I then said he does have XXXX XXXX, the lady said " we know ''. I called my dad telling them the bank called and wanted him to sign papers he didn't know why he had papers to sign. He went to the bank and I found out after the fact the it was a loan for {$15000.00} that he signed paperwork for. He lives on a small monthly retirement. How can a bank knowingly give someone a loan when they know about the illness? They already call me for his information and know I have the POA.
Product: Debt collection

In accordance with the fair credit reporting act, XXXX. XXXX XXXX Account # XXXX Has violated my rights 15 U.S.C 1681 604 Section 2 States I have the right to privacy 15 U.S.C 1681 604 Section 2 It also states a consumer can not furnish an account without my written instruction
Product: Credit reporting or other personal consumer reports

In 2023 I was fraudulently charged on my XXXX XXXX XXXX credit card. I reported the fraudulent charges to XXXX and they credited me with the money 's. XXXX has also sent me a letter that says they credited me with the money 's and that any late charges should be taken off of my credit reports. They sent the same letter to all XXXX credit reporting agencies. Experian has refused to take off the late charges, although they received the letter from XXXX. I talked to a representative who informed me to make a complaint with the CFPB about the late charges. Attached is the documentation from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my ANOTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XX/XX/2021.
Product: Debt collection

I have an unverified account from Caine & Weiner. I had previously disputed this account. I have never done business with Caine & Weiner. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that Caine & Weiner Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that Caine & Weiner Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Product: Debt collection

I have repeatedly asked for itemized explanation of the debt as it is easily four times that of what I should owe. I have asked for a settlement amount. I have asked to be called when I am available to talk which is after XXXX. I get repeated calls at the time that they know that I can not talk, and they give none of the above information. I am attempting to settle this matter but they do not seem to want to give me the proper information AND while I wait for this information they report again and again on my credit report.
Product: Mortgage

Community Loan Servicing was that company I used to have my mortgage with ( https : //communityloanservicing.com/ ). I sold the property. Community Loan Servicing got paid. I however never got a disbursement check from them. The closing was on XX/XX/2022 ( when the house went to the new owner ). I had paid XX/XX/2022. I understand they charged XXXX, XXXX, and XX/XX/2022 to the title company. There was escrow too. Meaning that they should give me money back. Community Loan Servicing instead transfer my loan to XXXX XXXX. XXXX XXXX says my information could be with XXXX XXXX I have spent numerous amount of hours with representatives from the 3 companies but none of them can find my info. I changed address but have not even been able to update any of my info because none of these companies have my account information. 
My name is : XXXX XXXX My phone number is : XXXX My social security is : XXXX My email is XXXX The account number with Community Loan Servicing is XXXX The address of my property that got sold and had the mortgage is : XXXX XXXX XXXX XXXX XXXX, XXXXXXXX, XXXX. 
The closing ( sale ) happened on XX/XX/2022. 
The title company was : XXXX XXXX XXXX XXXX. 
My new ( mailing ) address is : XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX
Product: Checking or savings account

Per Bank of America ... ..there timing an processing of deposits an withdrawals ... has been adding overdraft charges {$35.00}, multiple times a day, which outlines your funds an increases theirs.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and I noticed unauthorized, fraudulent, and inaccurate, information, accounts, on my report, I also was alerted by MY FICO and XXXX XXXX my information was exposed and compromised and I was a victim of the XXXX Data Breachand on the dark web for fraudulent this information is hindering my ability to obtain credit. In accordance with FCRA 15 USC 1681 I am requesting to have this information removed from all three of my credit reports with XXXX, trans union, and XXXX within a reasonable amount of time.
Product: Checking or savings account

I am XXXX yrs old nd I have debit card I use for food nd gas The day my social security check came into Pnc bank in XXXXXXXX XXXX, XXXX companies whic are XXXX  nd XXXX  deducted XXXX $ from my acct on XXXX days XXXX nd XXXX I went to bank on XXXX nd filed a complaint I waited 70 days to get denial letter from fraud dept without explanation or signature of individual I wrote to XXXX XXXX XXXX who referred case to customer dept in XXXX I have tried to find out why my claim was denied nd got not written response I have been without food nd gas until my next check came in on XXXX XXXX XXXX earns millions sitting in his office nd I worked paid taxes never get govt help nd suffered The American people are retaliating to CEO pulling millions of dollars nd bonus for XXXX  public I called both companies XXXX nd XXXX nd both stated they did not get those funds it was scammers XXXX XXXX
Product: Checking or savings account

I have been banking with bank of America for 37 years. I was a victim of identity fraud on XX/XX/XXXX I live in XXXX XXXX Ca. I feel bank of America isn't doing their part to protect me as a loyal customer. I've spent over 20 hours on their several 800 numbers and in person 3 times at the bank in XXXX, Ca. I did not authorize the use of my name or personal information or the debt on the account. I've been to the BofA XX/XX/XXXXXXXX XXXXro talk to the bank mgr. XXXX XXXX and 2 times after to talk to other reps. I was concerned that they would let these fraudulent charges go through, as the bank didn't file a report until the day after on the XXXX. I have never transferred money from my credit cards to my checking in 37 years, nor know how to. There were several transactions from my checking, to other accounts, to XXXX XXXX and XXXX. The bank told me they would give me a temporary credit on XX/XX/XXXX. They never did and closed the case and I had to reopen it. I am not getting any support and not getting any updates. I need some help. I'm XXXX and want to retire soon and these people took over XXXX XXXX out of my account. I need some help. I've already reported this to the FBI and to identity fraud and my credit report, which is a XXXX. Bank of America isn't valuing me as a customer and giving me the run around.
Product: Mortgage

BAY VIEW PURCHASED MY LOAN IN 2007 FROM XXXX XXXX XXXX. I HAD A CONTRACT WITH XXXX WHICH IS NO LONGER AROUND. BAY VIEW REFUSES TO TO HONOR MY CONTRACT I HAD WITH XXXX XXXX, THEY HAVE ALSO ADDED ON CHARGES FOR WATER, WHICH I HAVE A WELL AND HAVE CHARGED FOR SEWER AND I LIVE IN A NONE SEWER TOWN. I HAVE TRYED SEVERAL TIMES TO COMMUNICATE WITH THEM IN THIS PROBLEM AND THEY WILL KEEP YOU ON HOLD FOR HOURS. I HAVE HIRED LAWYER S AND THEY ALSO WILL NOT ANSWER ANY QUESTION, AND KEEP THEM ON HOLD FOR A LONG PERIOD OF TIME WITH NO RESPONSE. IM NOT LOOKING TO GET OUT OF PAYING MY MORTGAGE JUST WANT MY ORIGINAL CONTRACT HONORED
Product: Credit reporting

I am a victim of fraud someone has been using my ss number that have recently did XXXX credit inquiry and used my debit card gained access to my info since 2011.
Product: Credit reporting, credit repair services, or other personal consumer reports

As I reviewed my recent report, I have found some erroneous information reporting on my Equifax Credit Report. The payment history is incorrect. I was never late on these accounts. I've already sent a request to Equifax to correct and update these matters but I am not sure if they have conducted a thorough investigation for this item : XXXX XXXX XXXXXXXX Balance {$1200.00} XXXX XXXXXXXX XXXXXXXX Balance {$1300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get CFPB and Experian to correct the incorrect reporting of my Student loans as being late DEPT OF EDUCATION/XXXX Account number XXXX. I am NOT LATE as the CARES Act stimulated that the repayment will not be restarted until until the end of XX/XX/2022. Why Experian can not update as such. There is not real investigation needed because its common sense. The other two credit bureaus have updated their report so why can't Experian do the same. I am in the process of filing additional complaints with DOJ and Dept of Ed. As you know because of Experian incorrect reporting has hampered my ability to obtain a home loan because they see these late payments as a negative. Please correct or remove immediately.
Product: Credit reporting

XXXX AND EQUIFAX ARE INCORRECTLY REPORTING MY PAID OFF ACCOUNT AS A CHARGE OFF. THIS ITEM SHOULD SHOW PAYS AS AGREED IN SETTLEMENT, NOT A CHARGE OFF. THIS FALSE REPRESENTATION ON MY ATTACHED CREDIT REPORT MAKES IT LOOK LIKE ALLY HAS GIVEN UP ON TRYING TO RECEIVE THE PAYMENTS AND HAS TAKEN SOME LOSS. THIS ACCOUNT IS PAID IN FULL VIA SETTLEMENT. ADDITIONALLY THE TERM SHOWS 40 MONTHS WITH A {$640.00} PAYMENT, TERM WAS 39 MONTHS, AND THERE IS NO BALANCE OWING. KINDLY HELP IN UPDATING THIS INFORMATION.
Product: Debt collection

HARVARD COLLECTION SER accounts # XXXX XX/XX/2019 Balances {$2000.00} This account is not my responsibility. You belong to my medical insurance, please make a more thorough investigation and I have communicated directly with my medical insurance which has notified me that this debt is not my property ... please I need a resolution immediately ... .. I request all negative action in my credit report be corrected, eh deleted. Any kind of balance please contact, directly ... with the medicare office they are available ... thank you very much I hope solution immediatel
Product: Mortgage

The previous lender was XXXX XXXX XXXX until XX/XX/XXXX. XXXX  XXXX XXXX transferred the loan to Mr. Cooper. Prior to the transfer XXXX  XXXX XXXX granted me a forbearance. On XX/XX/XXXX XXXX  XXXX XXXX sent documents that the mortgage loan is approved for a partial claim and to return the documents by XX/XX/XXXX. The forbearance is for the period of XX/XX/XXXX until XX/XX/XXXX in the amount of XXXX The forbearance was executed on XX/XX/XXXX and returned to XXXX  XXXX XXXX on XX/XX/XXXX, XXXX  XXXX XXXX accepted this document and filed the subordinate mortgage note in XXXXe County Clerks Office on XX/XX/XXXX. The lien is for XXXX and is payable to the Secretary of Housing and Urban Development. Mr. Cooper will not honor the subordinate mortgage lien that was offered, accepted and filed by XXXX XXXX XXXXXXXX and HUD. They continue to say I owe them XXXX Mr. Cooper has been provided with a copy of the subordinate mortgage note and proof of filing but won't honor it. On XX/XX/XXXX, Mr. Cooper sent me a letter that said " Per the XX/XX/XXXX call notes, you refused to pay the funds needed to book the modification, stating that you did not owe the post modification payments. As a result, the modification offer was rejected. The Partial Claim was not booked so there is not a second lien owed to Housing of Urban Development ( HUD ). The account is currently due for the full reinstatement amount. The amount to reinstate the loan is {$11000.00} ''. There is a lien filed and it is owed to HUD. Mr. Cooper representatives called me on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and demanded that I make a payment of XXXX over the phone without any documentation. They would not accept any other form of payment. They stated that was the amount owed for the months of XXXX and XXXX. And I agreed to cooperate in completing the loan modification and if I did not cooperate that modification would be denied. Mr. Cooper has never provided me with any such documentation. In addition, pursuant to RESPA I have sent two " Qualified Written Requests '' to Mr. Cooper one on XX/XX/XXXX asking for the document they refer to as an agreement I signed that says I am required to make two mortgage payments over the phone in order for the modification to be approved. And another on XX/XX/XXXX disputing the " Escrow Review Statement '' where Mr. Cooper is claiming there is an escrow shortage. To date neither of the " QWR 's '' have been acknowledged or answered. My house is under contract and is ready to close. I am unable to sell my property because Mr. Cooper Fraudulently claims they are owed XXXX In additionally the payoff letter is also incorrect. The payoff letter is from XX/XX/XXXX thru the present. The subordinate mortgage lien covered the period from XXXX. Mr. Cooper is also wrongfully claiming escrow advances of {$4100.00}. The only payment made by Mr. Cooper for escrow is a tax payment of {$1200.00} in XX/XX/XXXX.