23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B mandates the removal of any incorrect accounts from my credit report. Could you verify the documents? Several of the listed accounts have inaccuracies regarding the reporting, including incorrect amounts and dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Equifax has reported this on my credit report.Keesler Federal credit union : Address XXXX XXXX XXXX XXXX Mississippi XXXXInquiry date reported on XXXX XXXX. I called XXXX, and equifax about this inquiry, but the problem wasn't resolved.
Product: Mortgage

I have given authorization for my real estate agent and my husband to have information about the loan and to receive information. However, when they called, Ocwen representatives refuse to give the information, release information and or discussion any aspects of the loan. This is another example of why these processes do n't work. Banks, lending institutions, and loan servicing companies act like loan sharks because they hold the consumers credit worthiness in their hands and they show no compassion for the consumer. They are only after their money and not willing to resolve their issues or concerns. I am currently trying to work through the process for a short sale and I 'm getting resistance every step of the way. It 's not about getting to a solution, but making this miserable for the consumer. The solution should be simple, let 's get this property sold as quickly as possible before it will no longer command to market price it should. I asked a representative for a copy of the policy that gave directions to give my agent and husband when calling to make sure they were following procedure and they were unwilling to provide me with a copy the policy that would help facilitate all parties were able to give the correct information to discussion my loan. If there is a policy, Ocwen 's representatives should be willing to share that information with the consumer. To deny the people I have given authorization is an injustice and they should be cited for their conduct.
Product: Vehicle loan or lease

I purchased a XXXX XXXX XXXX at XXXX XXXX XXXX in XXXX XXXX on XX/XX/XXXX. 
Per the purchase agreement they were to include vehicle registration for XXXX and XXXX and an extended XXXX XXXX XXXX XXXX XXXX XXXX. 

In XXXX of XXXX I checked in with my XXXX  XXXX  services for registration as the temp plate was close to the expiration date. The XXXX representative informed me that they hadn't received title or paid registration for the vehicle. I then went to the dealership shorty there after to inquire what was causing the delay. The dealership representative informed me that because I had purchased a used vehicle my paperwork was delayed as they give priority to those who purchase new vehicles. 

I then experienced an A/C issue so I took the vehicle in to have it repaired and to my surprise the warranty company had a different service plan under my contract. 

This is when I realized that the purchase agreement that was given to me at the time of purchase was different than what the dealership submitted to the finance and warranty companies. 

XXXX XXXX submitted that I purchased a Tire & Wheel 60 month plan ; however, my purchase agreement clearly states that I purchased a XXXX XXXX  XXXX  XXXX  XXXX  Plan. To this day I have not been able to repair the A/C in my vehicle due to this error. 

To this day, the registration has not been paid. I have not driven the vehicle since XX/XX/XXXX and now have been paying storage fees as I am unable to drive the car due to both of these issues. 

On XX/XX/XXXX I contacted the finance company, TD Auto Finance Bank, and spoke with Ms. XXXX at XXXX. I asked that if I paid off my loan would they be able to provide the title to the vehicle. She said that they would be able to remove the lien ; however, they would not be able to provide the title. 

I have been paying on this vehicle on time every month. Due to COVID I asked for a 3-month payment deferment which expires next month. I will ensure to make the next payment due on time.
Product: Debt collection

I received about a year ago a letter from XXXX XXXX attorneys at law concerning a debt I have with Synchrony Bank, for a credit card for XXXX  XXXX  XXXX. I called and spoke to an agent explaining my situation that I am unemployed due to a handicap and unable to work. That I am trying to get XXXX but have not been approved yet. I worked out the issue with the agent who was in Wisconsin I believed. In the next few days I started receiving calls from agent for XXXX XXXX who were obviously calling from offshore because of their heavy XXXX accents. Even though I explained my situation to them they continued to call me every day claiming they needed a resolution with the debt. I finally had to send a cease and desist order to XXXX XXXX in Wisconsin to stop it. This year on XX/XX/2019 ; I received a letter from XXXX XXXX again inquiring about the debt. I called them and explained that I am still unemployed. The agent noted it on the account and asked about the Cease and Desist order. I told her to remove it because I wanted to work with them to resolve the debt. The next day I received a call from an offshore agent claiming to represent XXXX XXXX concerning the debt. I told him that I already spoke to an agent about it yesterday and explained it to them. His response again was but we need to have a resolution to the debt. I then remembered the last time when they would call every day. I called the number back on the letter and spoke to a XXXX at Ex XXXX and explained what happened. We determined that the Cease and Desist order should be reinstated. XXXX said she did put it back on. I figured that the Issue was resolved until today when I received a call from an Offshore agent claiming to be with XXXX XXXX about the debt. Her accent was so heavy I could hardly understand her, but I told her that there was a Cease and Desist order and she admitted that it was on there and she would make sure no more calls came. Unfortunately, my experience is these offshore agents do not respect no call orders. I would like these Offshore calls to cease and only work with on shore agents. I do want to resolve this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am writing to dispute the inaccuracies that have been reported on my credit report by your agency. I have recently reviewed my credit report from XXXX, TransUnion, and XXXX and have noted following discrepancies : XXXX  XXXX  Date open : XX/XX/2022 {$1400.00} XXXX XXXX XXXX Date open : XX/XX/2022 {$970.00} XXXX XXXX XXXX Date open : XX/XX/2022 {$510.00} XXXX XXXX XXXX Date open : XX/XX/2022 {$540.00} XXXX All these above references were removed from my report, and as of yesterday they were put back on
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never had any contact with this business. I do not owe this company, never had a signed contract with them. this is on my credit report in violation of 15 U.S.C. 1681. XXXX XXXX XXXX, 9th Edition, 2009, defines Verify as, 1 ) " To prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate. '' 2 ) To confirm or substantiate by oath or affidavit ; to swear to the truth of. '' and Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. I never received any documentation for the said debt. I am entitled to all documents in regards to this debt before it is reported. my rights were infringed and this needs to be removed as it is not validated and fraudulent. I will contact the state attorney if this is not removed! Please remove this fraudulent trade from all CRAs
Product: Debt collection

I am writing to file a complaint against XXXX XXXX XXXX XXXX, located at XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX, for posting a late payment to my credit report when the debt is no longer owed due to their multiple violations of federal laws, including the FCRA and the Debt Collection Act of Texas. 

XXXX XXXX XXXX XXXX transferred my loan multiple times without my agreement and without providing me with a new contract to sign. They did not provide me with all the necessary documentation regarding the transfer of the loan, including who the new servicer was, if the payments were going to remain the same, and the new balance I would owe. As a result of their actions, they owe me {$30000.00}. 

Furthermore, their actions have caused me significant harm, including reduced credit and financial damages. I demand that they close out this loan because their violations are now more than what the loan is worth. 

XXXX XXXX XXXX XXXX has violated multiple state and federal laws, including : The Fair Credit Reporting Act ( FCRA ) The Debt Collection Act of Texas The Texas Deceptive Trade Practices Act The Truth in Lending Act The Fair Debt Collection Practices Act The Electronic Funds Transfer Act The Uniform Commercial Code XXXX XXXX XXXX XXXX 's multiple violations of these laws have caused me significant harm, and I demand that they be held accountable for their actions.
Product: Mortgage

My home loan is being accused of being in default and there was a default judgement enter on XXXX of this year even after having legal counsel. My home is schedule for a XXXX  sale date on XX/XX/2024 because the lender is saying that I owe a total of {$610000.00} but might just be worth around about {$210000.00}. I don't believe that there is a lien on my home. I had a Mortgage XXXX XXXX done on my home and it came back stating fauld. I had XXXX auction sale dates on my home and they all have been canceled. The lender went to court with documents that believed to my fraudulent. I have proof that I own my home free and clear. I also believed that I am a victim of identity fraud by the lender
Product: Debt collection

I received a collection document from Dynamic Recovery Solutions regarding a deliquent debt with XXXX XXXX XXXX. I currently hold good standing accounts with XXXX XXXX XXXX. XXXX XXXX XXXX has confirmed with their debt recovery unit that I have no delinquent debt. The account which is listed on the document has been confirmed with XXXX XXXX XXXX as not being any that I 've ever held with them. 

I 've requested proof of the original debt from the personnel at Dynamic Recovery Solutions and was told it would take 30 - 45 days. I 've been threatened with action being taken in 2 weeks. The current owner of the debt is XXXX. According to the information I 've received from DRS, the account is as old as 2006. 

This sounds fraudulent or like a phishing scam. Please investigate and let me know what action I can take. 

Thank you!
Product: Credit reporting or other personal consumer reports

I am filing a complaint regarding two unauthorized hard inquiries that appeared on my Equifax credit report without my consent or knowledge. The details of the inquiries are as follows : Inquiry Name : XXXX XXXXXXXX XXXX XXXXXXXX Inquiry Date : XX/XX/2023 Inquiry Name : XXXXXXXX XXXX Inquiry Date : XX/XX/2023 I did not authorize these inquiries and was unaware of them until I reviewed my credit report recently. I have not applied for credit or interacted with these companies during the periods in question. These unauthorized inquiries have negatively impacted my credit score. 

In response to discovering these inquiries, I took immediate action. I filed a report with the Federal Trade Commission ( FTC ) and have contacted Equifax directly to dispute these inquiries and request their removal. I am seeking assistance in investigating how these inquiries were initiated without my permission and having them removed from my credit report. 

These inquiries have caused undue harm to my credit, and I would like this matter to be resolved promptly. 

Thank you for your attention to this issue.
Product: Mortgage

My name is XXXX XXXX and I gave " FORMAL NOTICE '' to Wells Fargo that my property XXXX XXXX XXXX XXXX XXXX CA XXXX was under a Bankruptcy Petition filing with the Federal Bankruptcy Court of which I was fully aware that Wells Fargo 's trustee office was in receipt of my Bankruptcy filing. They violated the Federal Bankruptcy law by auctioning my home on XXXX XXXX when the Bankruptcy was filed on XXXX XXXX. I immediately call Wells Fargo and explained the unlawful action, they proceeded to open a full review and was send to recovery group and assigned to XXXX XXXX at XXXX XXXX XXXX XXXX ext XXXX I have been leaving messages requesting an update of the reversal on my home I have not gotten any answer it goes straight to voice mail this has been going on for almost a month they are playing games with the home owners. I strongly believe they have committed a crime, with this fraud committed they do n't have any rights to my propertyI want to file complaint against Wells Fargo for the deceitful, dishonest, lies and corrupt, fraudulent actions against home owners and for violating the Federal Law through-a-series-of-regulationsIn addition I perform a full review of the petitions and discovered that Wells Fargo failed to postpone my sale date on XXXX XXXX. I am very sure, Wells Fargo law firm is fully aware of California Bankruptcy laws and the automatic stay under XXXX XXXX XXXX. 
The Federal Bankruptcy Code contains a specific legal action against anyone who causes injury to an individual by a willful violation of the automatic stay ( 11 U.S.C. 362 ). The automatic stay is a court order that is immediately imposed when petitioner files a bankruptcy petition, whereby it prohibits anyone from trying to obtain the property. If someone violates the stay, bankruptcy code provides for actual damages, costs and attorney 's fees as well as punitive damages, if appropriate ( XXXX XXXX XXXX XXXX XXXX ) ( XXXX ) ). 
I am requesting Wells Fargo to reverse, overturn the sale of my home and stop playing games by making the home owners believe they are willing to help you and the ridicules appearance of assigning some person who will never care about your situation or get in touch with you. 
Thank You Sincerely XXXX XXXX
Product: Checking or savings account

I am filing a complaint regarding multiple overdraft fees applied to my account.Despite having sufficient funds in account at the time of these transactions were authorized, I was charged overdraft fees due to delay of posting of charges and credits. 

This situation mirrors the recent finding by the CFPB where NFCU practices regarding overdraft feeson transactions that settle with insufficient balances even though finds were available when transactions were initiated. 

I believe these transactions are unfair and respectfully request investigation into my account and these charges in question made to my account.
Product: Mortgage

My currently mortgage loan was with Ditech financial an Ditech filled a foreclosure on my loan in XXXX saying I had missed 6 months of payments. I called my bank XXXX XXXX and the sent proof that I was making all the payments Ditech said ok well reimburse your money that you paid us for the mix up. Ditech filled bankruptcy at the end of XXXX, Shellpoint Mortgage took over my loan. XXXX I was still behind I sent Shellpoint all of my documents showing what I had paid. I started make payments to Shellpoint and its XX/XX/XXXX my payments have not been applied to my account as of yet Im still out of about {$3000.00}.
Product: Money transfer, virtual currency, or money service

A transaction made on XXXX in the amount of {$740.00} shows as pending despite canceled minutes after it was made on XXXX. According to the terms, transactions can be canceled within 24 hour period, there appears to be a technical issue on the end of Ingo Money, the company transaction was made from. I verified transaction canceled with another rep, she confirmed it. Ingo Money should verify this and fix any technical issue so my account does not become inactive. I elected to take check to XXXX  XXXX XXXX, the bank it is drawn from, cash it in person due to an emergency. In the event the check is returned on end of Ingo Money, the transaction was canceled and should show as such.
Product: Credit card or prepaid card

On XX/XX/2022 i called Wells Fargo to open a Dispute against XXXXXXXX XXXXXXXX XXXX XXXX. I had Reserved a room that was {$260.00} a night and non refundable. I booked it through XXXX. I was given the opportunity to cancel for {$130.00} so i canceled. i was still charged {$260.00} so i was going to Dispute {$130.00} the person i talked to when i opened it said they would submit it for the full amount. on XX/XX/XXXX they closed the Dispute favoring XXXXXXXX XXXX XXXX XXXX for the full amount and charged my card {$260.00} on XXXX XXXX XXXX i Called Wells Fargo and Explained that it should of been for half since i gave them proof that it was cancelled for {$130.00} XXXX talked to a manager. i don't have her name but she said it was confusing because it says no refund. i explained that the offer to cancel for {$130.00} out weighs the original agreement. She said she needed to review it with her peers and promised to call me back on XX/XX/XXXX but she didn't so i Called Wells Fargo on the XXXX and talked to a Rep that said they agree that XXXX should only charge half and they are reaching out to them to have them pay back {$130.00}. so i called on XX/XX/XXXX to see what is going on. they said they reached out to XXXX and haven't heard from them. I asked how long do they have and they said no time limit. so i asked what happens to them if they don't ever respond. she said they have to. so i asked what happens if they don't she said I don't know. so its not resolved and stressing me out and causing me to lose sleep.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I received a notification of a data breach indicating that my personal information, including my Social Security number, credit card information, drivers license, and other sensitive data, was compromised. As a result, I have been a victim of identity theft, leading to the creation of multiple fraudulent accounts and unauthorized inquiries on my credit reports. 

Despite filing disputes with credit bureaus and creditors, these inaccuracies remain unresolved, causing significant harm to my credit profile and financial well-being. The scope of this fraud is too extensive to name every single account and inquiry, and I request a comprehensive removal of all accounts and inquiries associated with fraudulent activity. 

Accounts to Be Removed : 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 Unauthorized Inquiries to Be Removed : All
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint with you against Mariner Finance XXXX IL and XXXX within the last month and they finally refinanced my one loan I have with them to 12 mo with a XXXX mo payment so I can get it paid off but are NOT reporting my payment amount, term of loan months or last payments made for the last two months!!! They also did not note on each of my prior loans closed and refinanced as all banks and loan companies do!!! They also made me borrow {$200.00} more in order to refinance it down to a year of payments instead of the four they were trying to gouge me for!!! I want this report corrected NOW! I want them fined for every error they made as they are doing this intentionally!!! I want a corrected copy of all three of my credit reports mailed to me paper form and to your office so you have proof!!!
Product: Vehicle loan or lease

I have a XXXX on a motorcycle that I bought in XXXX and I just recently started to try and get the title in my name. We contacted Citi Bank mulitple time and each time they sent me to a different number that also didnt work. I bought the XXXX on XX/XX/year> for XXXX. I have tried many time to get the lien release letter from Citi Bank.
Product: Debt collection

Received literature in the mail on XX/XX/XXXX, it says this debt is from XX/XX/XXXX. I called them while sick with COVID, I do not know of any existence of this debt, Mr.XXXX wasn't wanting to hear me only wanted to pitch his bogus training at trying to collect information. From what The Statues of Limitation in the state of Washington and any sale offs this is a Old ( time-barred ) debt, if at all any such debt. I think this is a harassment and Abuse. The company is Radius Global Solutions LLC. XXXX  XXXX XXXX XXXX, MN XXXX. I am on SSI.
Product: Credit reporting or other personal consumer reports

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after XXXX  days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within XXXX  days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I XXXX have to take legal action due to the XXXX  this situation has caused me. Moreover, my information was impacted by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report I realized there were unauthorized hard inquiries on my account. I sent a certified mail with a letter to delete the hard inquiries, the letter was sent with two forms of IDs and an identity theft report. The accounts involved are as follows ; XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX
Product: Debt collection

Received a collection agency letter stating that I was in collection around XX/XX/2019. Contacted the agency to notify them that the debt was not mine. They asked that I send them documentation of where I lived and why I believed this debt was not mine. Sent documentation to them around the middle of XX/XX/2019. The collection agency stated that they had been sending bills to an address in California, in which I have never lived at. I got my credit report and come to find out, someone had opened a credit card under my name and now I have a no payment collection on my credit. A police report and a FTC have been filled. The collection agency has not provided proof ( signed statement, video, or receipts ) to me even though I have requested this information. They continue to call me, send letters, and threaten to ruin my credit which they are - they have placed that debt under my credit report. I have submitted all the documentation to the credit bureau and is pending an investigation. The calls are none stop and so are the letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX  ( Original Creditor : XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX