23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This is the second complaint about XXXX XXXX to their own admission they are acting as debt collectors so my complaint is against a collection agency about their illegal collection activity. A bar will be filed when we pinpoint ethical violation of Bar Rules and that will be against the attorneys If you look at Exhibit # 1 This is a letter from XXXX XXXX informing how to dispute the alleged debt and they gave us till XX/XX/2022 to dispute, but they started Foreclosure before the 30-day period ended.

Exhibit # 2 Will show you we have seen them the dispute and sent copies to alleged servicer XXXX, alleged investor XXXX XXXX XXXX Exhibit # 3 Will show you the response from XXXX XXXX, in their response they show records from 14 years ago they failed to produce the NOTE that the XXXXXXXX XXXX  properly acquired. there was no proof that the current servicer who initiated the Foreclose has the right to service my loan. 

Exhibit # 4 Will show a few unsigned letters from XXXX acknowledging receiving our document, we have 13 days before the foreclosure no single piece of paper to show the proper transfer of DEED and TITLE which can establish the ownership of the right NOTE holder.

In conclusion I would like to state that this dispute has been going on for years now so far, we had 7 plus servicer changes, oddly CEO some of this servicer are serving time for Fraud. There are several court cases against XXXX and class action in New York for violation of TILA RESPA and charging consumers excessive various fees. Because this complain against XXXX XXXX I brought underlying issue with their client to show XXXX XXXX knowingly aiding them to commit fraud and wrongfully Foreclose our property
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not supplied proof under the XXXX XXXX XXXX XXXX XXXX Engelhardt v. Gravens ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Product: Credit reporting, credit repair services, or other personal consumer reports

This happened XXXX XXXX 2017- Capital One bank ... 

I want to delete this inquiry from my credit report. I didnt ask for credit in the company
Product: Bank account or service

I cancelled my card due to a fraudulent charge that caused a major overdraft situation, and ordered a new Debit card. I went to my local Wells Fargo Bank branch to get a temporary debit card XX/XX/XXXX. I asked the branch rep if she could make sure my account would not allow transactions that would leave me with a negative. She said, " yes, we can do that. '' I asked if that protected me for online purchases, she said " yes. '' So for a couple months I 've been under the assumption that this service was available to me. Friday, XX/XX/XXXX I made XXXX purchases online, through XXXX, and I apparently went negative. The transactions went through XX/XX/XXXX, and after realizing that happened, I immediately went to the bank to put money in the account. I needed to made another purchase for work, and I put {$100.00} in my account Monday, XX/XX/XXXX, leaving me with a XXXX+ balance, which all seemed off. Then I checked my balance again, and I only had {$28.00} dollars! Se regardless of whatever efforts I made to put money in my account over the weekend, it did not matter. Seems that the bank waited to charge my account the next business day, confusing me, causing me to lose {$70.00}. I could have just closed the account instead and they could have lost a customer, and kept my money. I contacted several customer service people yesterday and today, and they said " they can not do anything about it. Sorry you were not given the right information. '' I also found out that the service to not allow my account to go into the negative was never on to begin with, and was only specific to the temporary debt card, not my account. Customer Service " apologized for the inconvenience '' then activated that for XX/XX/XXXX. But then they explained that anything online would be considered an Automated Payment, and that is n't going to be protected by that service anyway, which goes against what the representative at the branch said. So the information I was given was faulty, the help I 've received was little too late, and the apathy for this customer misinformation is astounding. I really would like my {$70.00} dollars back thanks to this. I did n't deserve this slap on the wrist. I manage my account as best as I can, and try to stay as informed as I can. I remained calm, but I know I require more help to get my cash back. That 's my hard earned dollars and I do n't deserve to be punished for something I obviously tried to prevent from happening.
Product: Mortgage

-Blatant and obvious effort by Fifth Third Bank to delay processing of the PMI-removal request ( ongoing 3 months ). 
-Absolutely XXXX transparency on timeline or next steps to expect ( XXXX funded the XXXX requirement ). 
-Inconsistent and inaccurate explanation of request processes from employee to employee. Example : " does XXXX include current market value of the home? '' Received XXXX different answers. 
-Common response when requesting a status update was " Only our legal team can answer this. '' XXXX service provider " XXXX XXXX '' is a sole broker ( XXXX XXXX XXXX who has sold XXXX homes in his career. Fifth Third designated this broker as their preferred service ( requirement for XXXX  removal ) This is unethical, irresponsible and borderline fraudulent. REMINDER : XXXX paid {$150.00} for this service. 
XXXX required forms and applications were sent by traditional mail. Then required to be handwritten and mailed back to Fifth Third. 
-The disregard and clear attempt to make this process unbearable for consumers is disgusting. 
-Actively throwing obstacles toward new homeowners and preying on them as they learn to manage their finances is pure evil and it needs to be addressed.
Product: Mortgage

We have been have dealing with this issue with Bank of America for a long time. We are losing our home and we actually have a foreclosure date of XXXX the XXXX. We are currently going through the process again to try and receive another Trial modification. The last trial payment that we were approved for we could not afford it was almost {$1600.00} and since we could n't afford it we were declined. Now the trial mod we received before then we paid all of our XXXX payments as instructed but we were denied that time because of a notary issue. We had the documents notarized XXXX separate times, one time we even went to a branch at Bank of America as instructed by our representative and we were told the documents were still notarized incorrectly. Because we were having such an issue with the notary Bank of America had a XXXX party notary contact us to meet us at our home to notarize our documents. The day of our appointment the 3rd party had an issue, and the company did n't have another person to notarize our documents and our appointment was cancelled. I spoke with a representative from the bank and the notary company that Bank of America connected us with, and XXXX parties assured me that because the appointment was cancelled by the representative that our modification would not get denied because it was not our fault that the appointment was cancelled, and that Bank of America would honor it because they bank knew we were working with a party they contracted. All of this transpired on a Thursday and Friday. Our modification documents were due over the weekend and when Monday came we were told we could not send the documents in because we missed our deadline date. Even after I was assured that would not happen. I spoke to our representative and he said he would look into the issue. I never heard back from our representative and a few weeks later we got papers in the mail stating our modification was denied. When I called the rep he told me it was my fault and said that all I could do was start the process over again. I told him I was going to appeal and he told me it would n't do any good, I contacted the appeals department within the 30 days and spoke with a gentleman who then told me I was supposed to go through that with my rep because their department does n't handle appeals anymore, but he also gave me another number to contact, I had been speaking to a person who told me my account had not been handled correctly and she began researching it for me, until all of a sudden her calls stopped, by this time 30 days had passed and the bank was telling me that I did n't contact the appeals department in time, but I clearly did. I do n't know if you can pull and research my file in time but I certainly hope and pray you can help me because I do n't know what else to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings, at the end of my current lease of a XXXX XXXX from XXXX XXXX in XXXX, MD, instead of opting to purchase a new car and therefore a new lease. I opted to keep my current vehicle. On that day XX/XX/2022, hard credit pulls were taken from the following entities : XXXX XXXX, XXXX XXXX XXXX, XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX All of these hard pull credit inquiries were made on the same day, from the same location for the same purpose. Instead of having 5 or 6 hard pull inquiries, it should be considered as just 1 credit inquiry, because they all pertain to the same vehicle on the same day. I had no idea that the dealership was shopping around with my credit report, for a car I already was leasing and making timely payments on for 3 years. Each one of these will remain on my credit report for 2 years. It gives the impression that I was shopping around. Again, these inquiries should be consolidated into one maybe two inquires and not 5 or 6 hard pulls from the same transaction, on the same day, at the same dealership. I was always under the impression, that if inquiries were made within the same time period ( Day ), they would only count as 1 hard pull. Please help.
Product: Debt collection

XXXXam writing to delete the following information of my credit I believe I was a victim of identity theft I reported the theft to the Federal commission trade I have also enclosed copies of the affidavit
Product: Credit card

I was sold a defective luggage bag by XXXX on XX/XX/2017. A total of XXXX billing disputes were filed with American Express, the credit card I used to pay for this item, for this transaction amounting to {$140.00}. I rightfully asked for a full refund as I was sold a defective item by XXXX, the merchant. The merchant refused to take responsibility and refused to offer an exchange or refund for this item. I went in person to attempt a return/exchange for this item on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Each time, the merchant refused to cooperate and was extremely rude, with the Cashier at times yelling profanities. WIth me unable to work this out with the merchant, a billing dispute was filed. Every single time, American Express refused to assist me in this dispute and found in favor of the merchant without considering my side of the event. A full refund is DEMANDED at this time because I was sold a defective/damaged item by the merchant and the merchant refused to cooperate with an exchange or refund. In addition, this item was sold to me NOT AS A PART OF ANY PROMOTIONAL EVENT. The return policy for this item was 30 days and all of my return/exchange attempts mentioned previously were within that 30 day timeframe.
Product: Credit reporting or other personal consumer reports

About a month ago i found out that im a victim of identity theft. That started in XXXX & I just found out an extended date XX/XX/XXXX So im working on this traumatic data breach. Which they compromised my name, phone number, the address and my social security number. And my family is very devastated.
Product: Credit card

A discover call center representative informed me that for a payment of XXXX they would remove the charge off from my credit report I made the payment yet this information is still showing and discover is reporting as accurate I would like this information reviewed and the call pulled up if possible I feel that it is unfair for discover to just lie to its customers
Product: Checking or savings account

the commerce bank XXXX XXXX gives my account on XX/XX/2019 and onXXXX XXXX 2019 the account was emtied as a bank and as a bank invested in my bame without my permiddion here in the neterlands is that puneshable is the bank alowed to do so in usa is also prohibited for you? please help me i have documents if you have en e-mail adres? then i can send you documents XXXX. XXXX. XXXX
Product: Credit reporting or other personal consumer reports

As of XXXXXXXX XXXX XXXX my XXXX XXXX, around {$69000.00}, were transferred from XXXX to XXXX but my credit report has not been updated to show that I no longer owe XXXX. The XXXX XXXX are being reported twice on my credit report showing open XXXX XXXX balances with both XXXX and XXXX, which is negatively impacting my debt-to-income ratio, three credit scores, and my overall report. I have reached out to XXXX twice to get this matter resolved and I also sent them physical copies of all three of my credit reports to show the inaccurate balance that is showing up. I also called them via phone in XXXXXXXX XXXX XXXX and filed a complaint with them to get this matter cleared up. However, the accounts have not been updated to show a {$0.00} balance and closed account on the XXXXXXXX XXXX XXXX. In fact, those loans are still showing up as open with the original balances. There are still XXXX open XXXX accounts on my Experian credit report with large balances. I have attached the Experian credit report to this complaint as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account has multiple errors in my credit report, negatively affecting my history. 

Among the many errors that the account has, the type of account is different in all credit reports, the number of months, the status of the account and the date of the last report are one of the many inaccuracies that this account presents. 

This is an account that was closed in the past where it shows that it was closed without any debt, but it is affecting me because of all the errors it presents.
Product: Student loan

I am filing this complaint because I have reason to believe that a creditor called NAVIENT is retaliating against me for disputing 2 accounts bearing inaccurate and incomplete account information in my consumer reports through the consumer reporting agencies that they have furnished. Since I have been disputing over the course of 2 to 3 months to have them rectify the inaccurate and incomplete account information, this company has demanded full payment of loans I borrowed from them which amounts to {$19000.00} in which obviously I do not have to give in one bulk, and they are threatening to either sue, garnish my wages, and or take my income taxes. When this company was disputed initially, there was no comment on the account indicating that they had been disputed as seen on XXXX. I received the company 's threat via email and the date they wrote the notice was on XX/XX/year>. I am currently in default with the company, but I did intend to pay them back. I fell behind to financial hardship and I do not appreciate this company 's aggressive behavior. I was disputing inaccurate accounts reported on my consumer reports because I am trying to improve my life and my finances, and this company happened to be one of the companies that is currently furnishing inaccurate and false information in my consumer reports with all 3 of major consumer reporting agencies. It is prohibited by federally law for any creditor to retaliate against consumers for exercising their legal right to dispute any information they find to be inaccurate or incomplete in their consumer reports per the Fair Credit Reporting Act. It is our legal right as consumers. This company is in violation of 18 U.S. Code 894- Collection of extensions of credit by extortionate means- ( a ) Whoever knowingly participates in any way, or conspires to do so, in the use of any extortionate means ( 1 ) to collect or attempt to collect any extension of credit, or ( 2 ) to punish any person for the nonrepayment thereof, shall be fined under this title or imprisoned not more than 20 years, or both. I recently demanded XXXX to remove the accounts that came back verified while still be inaccurate and incomplete on XX/XX/year> after I disputed to have the accounts rectified. Soon after this notice was sent, I received a letter directly from NAVIENT via email threatening to sue. I am aware that an account being removed from a consumer report does not remove the obligation to pay the creditor, but NAVIENT 's approach is aggressive and unfair. It is plain bullying.
Product: Credit card or prepaid card

capitol one raised my credit limit after i told not to .now i have a bill i can never pay off
Product: Debt collection

Vance and Huffman Llc continually reports this is my debt. Balance credit {$1600.00} acct # XXXX tried to handle this formally but you are not willing to to help me. Ive filed a report with the federal trade commission, XXXX  and police report all will be attached. Please stop reporting to to my credit report or I will be forced to take legal acting after this. This is not my debt Im sorry and I hope you find the right person. But this has to stop delete and do not contact me or report this under my name any more. Take it up with XXXX police department. The documents you provided is not even my signature. You are violating my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX  XXXX : # XXXX has violated my rights. 
XXXX BANK : # XXXX has violated my rights. 
XXXX XXXX : # XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) 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 convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Account Number XXXX I just received my credit report, I noticed you are reporting this account incorrectly. This late payment reporting not Only as PAID OR PAYING AS AGREED, but it also shows on my XXXX ACCOUNT, that the following it states that XXXX and XXXX we're paid on time But however when I took a look on my XXXX ACCOUNT it shows that XXXX, XXXX, XXXX, XXXX were paid on time now if you look at my XXXX ACCOUNT its show that I was late XXXX AND XXXX now that's false. According to the FCRA I have the right to an accurate credit report. Please remove this account from my credit report immediately from my credit report .Please provide me a copy of my new credit report reflecting this account removed upon completing
Product: Credit card

I have a credit card with Self Inc. Im having trouble making payments due to financial hardship and I can not get in contact with this company. I have called the number several times and when I prompt to be transferred to a representative the line disconnects. This has been happening for weeks and Im not sure how else to get a response.
Product: Checking or savings account

I have had a bank account for 10 years with Chase bank and then they decided to close my account for no reason the day I should have gotten my direct deposit from work. Prior to closing we went to the ATM machine and was supposed to get {$500.00} out but the machine did not give us the money. We filed a reversal they credited the account the money but then closed the account refused to give us the balance in the account or my direct deposit from work. Now they wont even tell us the account was closed. I cant pay my bills because they have all my money.
Product: Mortgage

Vanderbilt Mortgage sold me mobile home under false pretense stating home was XXXX long when in fact it is only XXXX long and they refuse to make things right with me I was ripped off XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Loan # XXXX Current balance payoff {$1100.00} VANDERBILT MORTGAGE, I am writing to inform you that this XXXX XXXX XXXX home you sold me is actually XXXX foot long without the hitch the contract says it is XXXX foot long so you sold me a home under false pretense I am asking that you waive the remaining balance you say I owe to payoff this loan and release your lien and send me the title company have already consulted an attorney in regards to this matter this is a legal issue that you sold me a mobile home under the false pretense that it was XXXX foot long. The difference in the contract and the actual size of the mobile home decreases its value because the square footage is smaller the home is only valued at {$6800.00}. Please make a trip to XXXX and meet with me and measure this mobile home and you will see that it indeed is NOT the size or square footage that you led me to believe and you presented to me. I am not asking for anything unreasonable I am trying to be fair but I deserve to be treated fair in this situation please consider the {$7500.00} I paid on XX/XX/XXXX settlement in full. 

Yours Truly XXXX XXXX
Product: Credit reporting or other personal consumer reports

I've noticed unfamiliar items on my credit report, suggesting potential identity theft as I did not authorize these accounts. This issue has been previously addressed, and I urgently request the removal of these accounts from my report. Their presence is causing significant stress, misrepresenting my true credit history and financial management. If not rectified promptly, I am prepared to seek legal recourse to safeguard my rights and seek resolution. These inaccuracies are hindering my ability to achieve crucial financial milestones such as homeownership and supporting my family. I trust this matter will be resolved expeditiously.
Product: Money transfer, virtual currency, or money service

Venmo is making me pay back a crypto sale charge from 2021 that I did not do and I already made several complaints and called about those charges and now they took my XXXX bucks in Venmo balance and making me repay a fraud charge from 2021