23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I made 2 purchases from Ashley Furniture, in XXXX and XX/XX/2022. Both of which I had waited over 6 months to purchase waiting for their 0 % interest for 60 months promotion began. 

Once I was emailed that 0 % began, I made the purchases on the card I had applied for, and had open for months prior to the purchase ( again, waiting for the right promotion ). 

Then I get my statement and I am being charged 9.9 %. 

I called, XXXX said to take it up with Ashley. I called Ashley, they dont have a billing department, but escalated this issue, and after over an hour mostly on hold for someone higher up, I was told theyd call me back with an answer. 

And I have not heard anything from them since.
Product: Credit reporting, credit repair services, or other personal consumer reports

These are not my accounts. This is a second request. Please remove them. Note that I am not a credit repair company nor a mortgage company. thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd 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 : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX  XXXX, XXXXXXXX XXXX XXXX XXXXXXXXXXXX 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: Checking or savings account

On XXXX, a deduction of {$61.00} was deducted from my Bank of America checking account, cited as a charge from XXXX. I did not recognize the charge and logged into my XXXX account. It was not from an order placed by me or placed using my account. 

On XXXX, I disputed the charge with Bank of America and requested a new card. I called XXXX customer service and spoke with an associate, who confirmed the charge was made by another " unverified '' account. I asked them to reverse the charge. I also asked for a destination city, but the associate said she didn't have that information. I received no email confirmation of the call from XXXX, however, I also updated my password that day and received a confirmation of that. 

On XXXX, Bank of America issued a statement that they would not cover the charge. They FALSELY alleged I authorized the charge. I DID NOT. It is not in my XXXX account - period. I chatted with XXXX again, and they told me they would not refund the charge unless I disputed the charge with my bank. I told them probably 8 times by chat that I did this, but the agent ( or bot? ) just kept repeating the instruction. My bank never contacted me for more information or for evidence and there is no way to appeal their finding. 

My account is insured and my bank says I have fraud protection. They, together with XXXX 's opaque " customer service '', have skirted the system and effectively rubber stamp this fraud on my checking account. 

Attaching XXXX charges on MY account before and after the fraud activity. Attaching chat screenshots from XXXX customer service, confirming my bank never contacted them,
Product: Mortgage

For probably the 4th time in 6 years, my mortgage has been sold to yet another servicing company. While I understand the loan is a financial investment for these companies, when they sell the mortgage, it creates work for me ( setting up new online accounts, setting up online payments, etc .... ). Yet the companies seem to reap the profit and I'm stuck with work. While I understand cfpb can't do anything about this, you can make sure these companies follow the rules when they continue to inconvenience their customers. My current mortgage company ( 3rd one ) is XXXX XXXX. They sent me a notice dated XXXX XXXX ( which I didn't receive until XXXX XXXX ) that my mortgage was sold to XXXX XXXX   XXXX effective XXXX XXXX. They gave me well less than 30 days notice. I have not received a notice from XXXX XXXX yet and its only 10 days before the transfer is to take place. I'm pretty sure they are required to provide notice at a minimum 15 days before. While I get this is a minor issue, they are not following the law and quite frankly, I'm tired of these companies selling my loan, making money and inconveniencing me while they are doing it.
Product: Credit reporting, credit repair services, or other personal consumer reports

On three occasions I have requested credit increases or inquiries and both agencies below continue to report information wrong. My first issue was with XXXX in which Lexis Nexis reported derogatory or public record. For over a year I tried to get a XXXX card until i finally disputed with them, they sent sent two reports that showed no derogatory record, within a week XXXX issued my new card. 

Now XXXX XXXX has sent me a denial showing XXXX as the consumer reporting agency. As i type this my current score on their own web page is XXXX yet they report XXXX to XXXX XXXX they also show derogatory public record which is linked directly to Lexis Nexis.

Both companies have been advised on two occasions about the lack of reporting accuracy. I am requesting that the CFPB please get involved, I run a small business and this greatly effects me and does not seem to stop. 

Request for credit requested XX/XX/2021 LexisNexis XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX
Product: Checking or savings account

I tried to close my business savings account and was told on the phone that they cant I would have to go to a branch and make an appointment with a business banker. This is extremely inconvenient and makes me want to close all my accounts with them as they wont do the simplest request over the phone. Now I am being charged fees because I had a {$0.00} balance in preparation to close my account.
Product: Mortgage

On XXXX XXXX 2016, I received a letter date XXXX XXXX 2016 from Ocwen Loan Servicing. This letter reflects a pay off quote valid through XXXX/XXXX/2016. 
First, I did not request a pay off quote from Ocwen Loan Servicing. 
Second, this pay off quote show a principal balance of {$140000.00}, interest - {$220.00}, satisfaction cost {$42.00}, payoff fee {$30.00} and a deferred principal balance of {$110000.00}. 
Now, what is a satisfaction cost and a payoff fee? Why are we getting charged for these fees when I did not request a payoff quote? It appears that Ocwen is charging us un-necessary fees! Is Ocwen Loan Servicing trying to harass us because of the numerous complaints that we filed against them? Is Ocwen trying to force my hand to take Ocwen Loan Servicing to court? I request that these fees not be added to our loan. We are not planning to pay off this loan or sell our home. We are continuing our investigation into mortgage fraud, robo-signing to name a few. This complaint IS NOT about mortgage fraud nor robo-signing so do NOT address this issue. Ocwen must address this complaint only and not address anything else. If Ocwen address anything else that is not related to this complaint, it will XXXX even more and more complaints will be filed against Ocwen!
Product: Credit card

The late payments in question violate the provisions outlined in the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681a and 15 U.S. Code 1681b, which mandate accurate reporting of credit information and disclosure of permissible purposes for accessing credit reports. Additionally, the creditor 's actions may be in violation of 15 U.S. Code 1666b, which prohibits creditors from treating credit card payments as late under certain circumstances. 

Despite my attempts to rectify the situation directly with the creditor, the late payments remain on my credit report, causing undue financial harm and impeding my ability to access credit on fair terms. I am reporting this because I want to ensure compliance with federal regulations governing credit reporting and lending practices. 

. CITI - XXXX
Product: Credit reporting or other personal consumer reports

Someone purchased a vehicle through a XXXX XXXX XXXX using my personal information. I reviewed my credit report and noticed this on my credit report I've never purchased a car from a lot. Once I gathered the information I contacted the company to retrieve more information about this transaction and have been left with not only unanswered questions but a horrible credit score that can't be repaired.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently sent out disputes regarding a collection account that is listed on my credit reports that should not be there. To begin I have no legal obligation to pay this alleged debt nor is there a legally binding agreement in place either. To further proper validation was not provided by the company XXXX XXXX XXXX per the Fair Debt Collection Practices Act ( FDCPA ). Also per the FDCPA I XXXX XXXX is the original creditor per definition in both the FDCPA and the Truth in Lending Act ( TILA ). As stated in the Fair Credit Reporting Act ( FCRA ) if an item is deleted then the consumer is to receive a written letter within 5 days of the reinstatement of an item to the consumers credit report. To further this item or anything else should be listed on the consumer credit report as it is in direct violation of 15 USC 1681a ( 2 ) ( b ) as extensions of credit whether directly or indirectly should be excluded from the consumer report. In addition, per 15 USC 1681b ( 2 ) I have included my written instructions to remove all listed accounts and information from the consumer report. To further the report should be clear due to the violation of the consumers privacy by the credit reporting agencies and the credit reporting agencies not having a court order for the consumer credit report as well as the instructions from the consumer. I have received notification that the alleged debt was closed and removed for the consumer credit report. As the natural person I am demanding this invalidated item be removed from my consumer report.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX and I am victim of identity theft. I don't know there to start, because the situation is really hard. It was XX/XX/year> once I noticed fraudulent account from XXXX on my credit reports. I called to XXXX  and told that I have never applied for any credit with them and also noticed that my mailbox is broken. I asked them to block credit under my name, because it does not belong to me. They started investigation, closed the fraudulent account and told that they are going remove fraudulent account from my name. Problem is the fraudulent account is still reporting on my credit reports, even it is good standing, but it is inaccurate. Please remove XXXX fraudulent account from my EXPERIAN, XXXX and XXXX credit reports.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX XXXX : XX/XX/XXXX Consumer SSN : XXXX Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA XXXX XXXX ( XXXX U.S.C. Section XXXX ) that you, the Transunion credit reporting agency XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of credit cards, auto loans, and inquiries from XXXX XXXX, Account Number : XXXX, Balance {$1600.00} ; XXXX XXXX, Account Number : XXXX, Balance : {$37000.00} ; XXXX XX/XX/XXXX ( inquiry ), XXXX  XXXX XX/XX/XXXX ( inquiry ) These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached copy of identity theft and fraud. I have attached a copy of FTC XXXX XXXX XXXX XXXX # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are a few inquiries that were placed on my credit report on Different dates by CHASE BANK from JPMCB CARD that has an inquiry date of XX/XX/XXXX and JPMCB CARD that has an inquiry date of XX/XX/XXXX and another inquiry from JPMCB CARD that has an inquiry date of XX/XX/XXXX, I sent the credit bureau ( XXXX  ) a dispute letter asking them to verify the inquiries because I did not authorize the company or anyone to submit any application and if CHASE BANK claims that I agreed for them to pull my credit then I want to see the original documentation with my signature for every single one of these inquiries, because the FCRA states the company needs to have permissible purpose. All that the credit bureau sent me was a copy of the credit report that says that CHASE BANK verified or validated these inquiries when in fact I never authorize the bank to submit any applications for credit. What I received from the credit bureau is not enough to validate these inquiries. I received the copy of the credit report on XX/XX/XXXX, these applications was submitted fraudulently.
Product: Credit reporting or other personal consumer reports

As a loyal customer i am filing a complaint against Bank of America because they reported a 30-day late payment on my credit report for a credit card that i have with them that was supposed to been set up for automated withdrawal from my checking account every month to cover the monthly statement balance until it was paid in full but unfortunately someone drop the ball and didn't set up the monthly withdrawal which caused my account to go into a past due status. i disputed the 30-day late payment because it caused my credit rating to fall XXXX points because of the negative credit remark place on my credit. this is causing hardship for me as my crediting rating took a deep fall and i would like for it to be fix and remove, please help me resolve this issue regarding my credit that Bank of America reported to the credit bureaus.
Product: Mortgage

I was on forbearance on loan number XXXX but it still showed that on XX/XX/2024 that I was XXXX late with my payment. I am currently current with my loan.
Product: Debt collection

Dear Credence Resource Management I dispute that I established an account with the stated debt amount or signed a contract with you or your assigned or assignor. If you purchased this debt please provide a statement and affidavit to that fact. If you can not comply with my demands please remove this account from my credit report. 
Company/Collector Credence Resource Management Account XXXX XXXX {$850.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXXXXXX Date of Birth : XX/XX/XXXX SS # : XXXX XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX TO WHOM IT XXXX CONCERN IN REFERENCE TO THIS ACCOUNT LISTED BELOW : In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the XXXX XXXX XXXX. 

Convergent Account # XXXX has violated my rights. 

XXXX XXXX XXXX section XXXX A states I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish accounts without my written instructions. 

Resolution : Delete this/these accounts unless you want to be held accountable for {$1000.00} per account I WILL PAY ANY FINANCIAL OBLIGATION WHICH I MIGHT LAWFULLY OWE, ON THE CONDITION THAT THEY PROVIDE ME WITH : 1. I NEED THE FOLLOWING VALIDATION OF THE DEBT - THAT IS THE ACTUAL ACCOUNTING 2. VERIFICATION OF THEIR CLAIM AGAINST ME ; THIS IS A SIGNED INVOICE.

3. A COPY OF THE CONTRACT BINDING BOTH PARTIES ( ME AND THEM ), IN A LETTER BY CERTIFIED MAIL SO THAT THERE IS AN INDEPENDENT " WITNESS TO IT HAVEING BEEN DELIVERED. '' PLEASE SEND ME THE TRACKING NUMBER AS WELL.

FURTHERMORE I WILL ALSO NEED : 1. FULL DISCLOSURE I WAS NOT TOLD THAT YOU WERE ACTUALLY CREATING THE CREDIT WITH MY WET INK SIGNATURE 2. EQUAL CONSIDERATION THEY BROUGHT NOTHING OF VALUE TO THE TABLE AND HAS NOTHING TO LOSE 3. LAWFUL TERMS AND CONDITIONS BECAUSE YOURS WERE BASED ON FRAUD 4. THE WET INK SIGNATURES OF BOTH PARTIES I AM WRITING TO INFORM YOU THAT IM NOT IN DISPUTE WITH ANYTHING BUT I DEMAND THE FOLLOWING LISTED ABOVE BE PROVIDED IN ORDER FOR ME TO BE ABLE TO MAKE PAYMENT.

PLEASE RESPOND BACK WITHIN 15 DAYS OF THIS CERTIFIED LETTER.

IF YOU DO NOT RESPOND I WILL CONSIDER THE DEBT TO BE FULLY DISCHARGED AND I WILL NEED IT IN WRITING SINCE YOU DID NOT RESPOND BY THE STATED ABOVE TERMS TO PROVIDE THE NECCESSARY EVIDENCE OF A LAWFUL DEBT WITHIN THE REASONABLE PERIOD OF TIME PROVIDE, I WILL CONSIDER THE DEBT IS FULLY DISCHARDED. 


WITHOUT PREJUDICE XXXX XXXX XXXX
Product: Debt collection

Long story short, I switched from XXXX to XXXX I told them to cancel ALL my services. They told me that I would receive a final bill in 30 days. They supposedly sent me a final bill which I immediately paid around {$900.00}. XXXX months later I stated getting emails from XXXX saying I owed money. I called and was still getting charged for services I had previously cancelled they asked me for proof, they dont give any proof I told them when I called to cancelled they never sent any proof. They assured me that I wasnt liable to paid these services that were not cancelled when I called to cancelled. I stopped getting anything few months later I received again a late payment notice. I called again to see what was happening and why I was still getting billed for something I had requested to cancel months ago. Again same thing they asked for proof and again I told them you guys dont send any proof. 
Almost a year later I get a notification on my credit report of a collection agency put on my report for owing {$750.00} I immediately called XXXX to find out it and was sent from XXXX. I immediately reported it and file a complaint with XXXX. 
Someone from the higher XXXX management emailed me and after numerous attempts to contact this person 2 months after the fact I was able to get a hold of someone and they tell me they took time off because of getting married. 
So now this person tells that apparently I owed {$500.00} for a watch. I asked why when I cancelled everything this was not disclosed and I still got billed for services and when apparently I was told I was getting a final bill it was all a lie. Anyway ended immediately paying the {$500.00}, now I been fitting to get this collections deleted from my credit report and its been months that they dont do anything about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX @ XXXX XXXX legitimate business to check your credit .credit is not bring reviewed by a prospective lender .laon application number XXXX XXXX And XXXX declined by XXXX XXXX XXXX XXXX XXXX XXXX decision XXXX decision experian bankruptcy applicant XXXX approved credit investigation medical records {$26000.00} no treatment five hospitals district of columbia
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX has violated my rights in violation of 15 U.S. Code1681b, of my CFPB consumer credit reports
Product: Credit reporting or other personal consumer reports

I am writing this complaint today because on XX/XX/XXXX, I sent XXXX XXXX XXXX XXXX  a letter formally revoking any, past or present, implied written, verbal, non-written, non-verbal, or assumed right to freely report transactions and experiences on this account to my consumer report. Per the protection of my privacy via The Privacy Act of XXXX.There has been no response and a continuation of reported information for the month of XX/XX/XXXX. 

Event Summary : I received a copy of my official consumer report in the month of XXXX & XXXX. After reviewing all information on the consumer report, this account showed multiple inaccuracies. I then reached out directly to the company to get some clarification on the status of my account and the information given from the furnished was not correctly conveyed across all CRAs reports. The Credit Reporting Agencies are showing inconsistencies with each other and as well as showing Account Status inconsistencies with the furnisher, XXXX XXXX XXXX XXXX XXXX XXXX clearly violating my rights protected under the FCRA XXXX Which, as we know is to ensure the maximum possible accuracy of my consumer report and is the ASSUMED responsibility of the CRAs. Given the sheer number of inaccuracies reported and the impact that continuing to entrust this responsibility of reporting this account, XXXX have a negative impact on my ability to obtain credit in the future. As it is ultimately MY responsibility to ensure that my NPPI, consumer report, and reputation is properly protected and maintained. I wrote a letter on XX/XX/XXXX addressed to XXXX XXXX, giving notice of my right to opt out and instruction on reporting certain nonpublic personal information on my consumer report covered under the privacy act of XXXX. 

My intention is to maintain a working relationship with XXXX XXXX, and All CRAs. However this CAN NOT continue to be tolerated. Under no circumstances should there be this many violations on a public record. All exhibits and evidence are outlined in the attachments of this compliant. 

Thank you very much for prompt attention to this matter.
Product: Mortgage

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX  XXXX XXXXXXXX XXXX XXXXXXXX, IA XXXX Subject : Complaint Regarding Foreclosure Sale Despite Filed Temporary Restraining Order Dear CFPB, I am writing to file a formal complaint concerning a foreclosure sale that occurred on my property, despite my filing of a Temporary Restraining Order ( TRO ) with the court. This situation has caused significant distress and financial harm, and I believe it warrants your immediate attention. The details of my case are as follows : - XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TN XXXX * * Case Number : XXXX * * Date TRO Filed : * * XX/XX/XXXX Despite the legal protection provided by the TRO, XXXX proceeded with the foreclosure sale, directly violating the court 's order. This action not only undermines the legal process but also raises serious concerns about XXXX 's compliance with state and federal regulations regarding foreclosure practices. I have made numerous attempts to communicate with XXXX regarding my situation and to seek a resolution, including submitting loss mitigation packets and requesting mediation. However, these efforts have been ignored or denied, leading to this unfortunate outcome. 

I respectfully request that the CFPB investigate this matter, as it reflects poorly on XXXX 's adherence to consumer protection laws and ethical lending practices. It is crucial that consumers are safeguarded from such violations, especially when they are actively seeking to resolve their financial issues through legal channels. Thank you for your attention to this pressing matter. I look forward to your response and any assistance you can provide. 

Sincerely, XXXX XXXX RE : XXXX XXXX