23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Buffalos & Vallejo plc is trying to sue me for fraudulent charges. I have repeatedly tried to tell them this was my ex husband and it was reported to the fraud agency. They stated they do not care that I am XXXX and they are still taking me to court. If you pull on of the XXXX I called them, in their system that have terrible notes written about me as well which the lady let slip out. This is a XXXX parting trying to sue me for my ssdi while the creditor who sent it over has dropped the case.
Product: Mortgage

We thought we were only 3 months behind on our payments and on XX/XX/XXXX we  sent 1 payment and again on XX/XX/XXXX we sent another payment so then we thought we were only 1 month behind. But apparently we were 4 moths behind and Carrington rejected both payments and filled for foreclosure. Since then we have been trying to work with them to no avail. The first loan mod was declined because we didn't make enough money and now that business has picked up they are refusing to review the second application because we are to close to the sale date. We were just as close with the first application and they didn't refuse it so why are they refusing it now? It makes no sence to us. We feel like they have not tried to help us at all and they are just setting us up for failure.
Product: Credit reporting or other personal consumer reports

recently i looked at a copy of my credit report and noticed several inaccuracies on my account. These accounts are hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here are the items i am asking you to verify as accurate : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i have attached documents from XXXX XXXX and XXXX XXXX detailing my situation. 
also i enclosed my letter detailing my complaint. 
i paid off my XXXX XXXX account on XX/XX/XXXX. 
in XX/XX/XXXX XXXX XXXX they report to experian a charge off of the remaining balance. 
there can not be a charge off as there was a XXXX balance this bogus charge off is preventing my wife and i from getting a mortgage
Product: Checking or savings account

I was charged associated fees by my rental company due to Chase not clearing my check. The check I wrote on XX/XX/XXXX was good at the time as there wasn't any suspicious activity in my checking account. When the rental company tried to clear the check on XX/XX/XXXX ( I reported wiring fraud on my checking account in between XX/XX/XXXX - XX/XX/XXXX ) it didn't go through as the account was already frozen. I read the rental agreement and it states that checks that is returned for ANY reason ( doesn't account for criminal activity ) the renter is responsible for it. I have brought this up to Chase and they said they can only rescind fees that they charge against me. Chase hasn't been able to secure my account ( there are still multiple open wiring fraud investigation in my account and I can't clear my own money because of it ) and still thinks that I am the one who is responsible for this fee.
Product: Mortgage

I am a co-trustee on a nominee trust for my father 's property. My father obtained a reverse mortgage from XXXX XXXX XXXX without me signing off on it as a co-trustee. I wouldn't have signed off. It was transferred to XXXX XXXX and then PHH Mortgage. My father had XXXX for the past XXXX months of his life. I had a power of attorney which PHH mortgage refused to recognize. My father passed away on XX/XX/2024. I sent them a letter of representation and have contacted them no less than XXXX times to attempt to get payoff information and dispute various fees which they kept adding to the mortgage after my father passed away. I am trying to sell the property. They still refuse to speak with me. I have sent them a letter of representation, death certificate, will, XXXX XXXX, and an inter vivos trust. The documentation is attached. I have never dealt with a company that engages in bad faith to this extent.
Product: Credit card or prepaid card

All three of my Capital One Accounts was closed out for no reason. 

I have great payment history for 10 years plus and managed to pay off all my credit card debit durning the pandemic. 

I didn't get any waring that my accounts was going be close. They didn't give me a chance to work with them so my accounts wouldn't be closed. 

The closing of these accounts have dropped my credit 81 points. 

Credit is very important to me. Me being a loyal customer for over 10 years I feel like I should be treated better then this. I'm in the process of trying by a house. I need my credit.
Product: Money transfer, virtual currency, or money service

On XXXX XX/XX/2022, I ordered XXXX trees from XXXX and received no verification of order from the company. However, as the only means of payment through the company, my credit card through PayPal was charged {$60.00} payable to a completely different compnay called XXXX XXXX XXXX with no order details, and I did not receive a confirmation of my order from XXXX. 

I filed a claim with PayPal for refund but it was denied based on their so-called investigation which stated that trees were delivered on XXXX XX/XX/2022. The trees were not delivered to me at my address. The FedEx delivery tracking number shows no name and no address and the photo of the delivery address is the back door of someone else 's house. I checked with FedEx and my name is not associated with the tracking number. Furthermore, the FedEx tracking number references XXXX items, not XXXX, described as " XXXX inch XXXX metal garden '' and the boxes with " XXXX '' logos in the picture certainly do not contain trees.
Product: Credit reporting or other personal consumer reports

I was trying to rent a house and i realized that i had damages on my credit report according to the ( 15U.S.C 1681 ). Ive Also Paid Off collections that still Havent been removed off my account per Agreement to do so With Hard Inquiries That where made by a Car company i told to Not run my Credit Did exactly what i asked not to do. These companies are Reporting Fraudulent and inaccurate information on my credit report. I have Asked to show full proof of agreement to show ownership of such account and also other documents that could prove that those account belong to me
Product: Vehicle loan or lease

ALORICA, INC HAS BEEN REPRESENTING XXXX ON A LEMEON LAW CLAIM AND HAS FAILED VIOLATING THE ARKANSAS DECEPTIVE PRACTICES ACT XXXX
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to XXXX XXXX  The dispute items do not belong to me. Im attaching the required XXXX XXXX  for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Mr Cooper sends warnings that my mortgage has not been payed. I submit proof that it has been paid. An email arrives announcing that the monthly arrived. I receive letters and emails every month stating I owe the payment plus late fees. However, the payment is taken directly from my checking account twice a month by XXXX  and I show proof of the deductions every month.

I sent a certified letter to customer relations asking for help. There has been no reply.

I refinanced last XX/XX/XXXX. The previous lender Mr Cooper and XXXX deducted the payments prior to refinancing.

I just received a letter stating that a transaction on my account has resulted in us placing funds in an unapplied funds account. 
Account number:XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX  Account # XXXX, XXXX XXXX XXXX, Account # XXXX, XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX Account XXXX XXXX XXXX XXXX  Account # XXXX, XXXX, XXXX Account # 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
Product: Debt collection

The account reporting on my credit report has been illegally re-aged. I have never entered into any kind of agreement with this collection agency. They insist on furnishing information that is inaccurate, illegally reaged. They do not respond when contacted. they only verify the account as accurate with the credit bureaus. They are in violation of the XXXX XXXX Code as third party debt collector. I have confirmed they do not have a surety bond on file according to the secretary of state according to the address listed on my credit report. However, they continue to report this alleged debt on my credit report.
Product: Mortgage

I applied for a loan modification in late XXXX after my divorce. I began the process and submitted necessary documents in XXXX. I kept having to resubmit documents however they collected everything in XXXX and I was notified in early XXXX that the modification was rejected I called for a reason on XX/XX/XXXX and rep advised that It was rejected because my loan was not eligible until XX/XX/2019 for an modification so I wasted 6-7 months working and waiting on something they knew was not possible and never advised me until it was too late
Product: Credit reporting or other personal consumer reports

According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint. 

Items that need to be disputed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Vehicle loan or lease

I have a loan with CONNS. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and CONNS with no successful resolution. XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX - XX/XX/2018.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company consistently is violating my FCRA rights by keeping identity theft items on my file and removing or blocking them. I have attached my official signed FTC fraud report which includes numerous off accounts and inquries and public records that need to be removed from my file. I have suffered tremendous stress and scrunity from employers to clean this up to even keep my job or get a job for the longest and this company is damaging my financial life and making it hard for me to even take care of my family. I have one time where they removed a public record from XX/XX/2014 and put it back on there without any explanation of saying why they put a public record thats not mine back on my report after i got the courts to remove it. I have 3 public records thats on my file due to identity theft and I have contacted the courts and they keep telling me they have listed them as fraud and are willing to talk to the credit bureaus about this but the credit bureau is hiring a third party company to verify this information and no one never reaches out to the courts at all to get this removed from my file permanently. I would like for all these fraudulent accounts removed from my file immediately and my report updated accordingly I have attached my FTC fraud form which lists ever fraud/identity theft accounts that needs to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Vehicle loan or lease

On XX/XX/2018 I was involved in a car accident where it was decided as a total loss. My insurance provider then began the process to pay off the lien holder { Navy federal credit union ). The cash value determined of my car by my insurance company was XXXX leaving a balance of XXXX on my auto loan. I then opened a gap claim with navy federal being I had paid for it when I opened my auto loan with Navy. After reading over the disclosure statement it gave details that navy is to pay 150 % of the cash value towards the balance, also stated in the disclosure their is an example given on how the process works. 

Navy refuses to apply the full 150 % to my balance, leaving me responsible for 727.00 ( est ) balance. I was told Gap was to cover the balance left on my loan and that is not what the service is providing. This service comes off as fraudulent because what they are paying towards the balance is only a little over 3,000. that is below the 150 % stated to be paid via the disclosure agreement, it would seem they are only paying the remainder of XXXX being XXXX was paid also the check was in the amount of XXXX, so do I even get money back being they not including the full check amount? This is not what is being advertised or even disclosed in the agreement. 

I am waiting to hear back from a supervisor being every representative could not fully explain why their process contradicted the disclosure statement, and why they are not going to apply the full 150 % themselves to the remaining balance
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several letters to Equifax requesting an investigation on erroneous fraudulent items being reported by their company. First letter was sent and received by them XX/XX/XXXX, Second letter XX/XX/XXXX received by them XX/XX/XXXX. Third letter was sent and it was received by them XX/XX/XXXX in which at this time I gave them 15 days to respond or delete the erroneous items. I requested investigation per my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. Instead they just sent me my credit report with the erroneous fraudulent items and did not provide me with the information requested, therefore ignoring my request and violating my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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 an account without my written instructions XXXX XXXX XXXX XXXX {$1100.00}, XXXX XXXX XXXX  {$660.00}, XXXX XXXX XXXX  {$590.00}
Product: Debt collection

XXXX claims I owe on a Barclay card from XXXX. The only Barclay I owned was included in my Bankruptcy XXXX XXXX of XXXX. My attorney is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX. 

Every time I call XXXX I get the run around, this debt was more than likely bought for pennies on the dollar. I'm guessing most of these situations, people just pay. Not me, this will be going to the top.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a written request to XXXX to do the following with reference to a debt that appear on my credit report. I asked that you Asked that this debt be validated with a written contract that has my original signature. 

Verify that the first day of delinquency occurred within the last 7 years Neither of these things occurred, and you continue to report to my credit an unverified item which is illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing again in regards with the inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I was never late on this account. There are multiple errors shown in my report. Please check the last payment, the account number, etc. This is a good standing account. Please verify that all information is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please correct and update this account and remove negativity. Do so, to comply with FCRA section XXXX which requires all reporting to be 100 % accurate. 
XXXX XXXX XXXX XXXX Balance : {$29000.00}
Product: Money transfer, virtual currency, or money service

On XXXX XXXX at approximately XXXXXXXX XXXX I received a XXXX alert form XXXX of an Unreconized charge through my XXXX account in the amount of {$490.00}. I logged into my XXXXl account to obtained more information. There I discovered an invoiced with information alone with a phone number to dispute the charge. I called the number and a male voice answered and identified himself as XXXX XXXX This person identified himself as XXXX and told me that my phone had been hacked by and they where trying to get into my accounts. He told me that he could stopped the hackers and I needed to download an app called XXXX XXXX. This app allowed him/them to gain access to my phone. Upon access they began serching for accounts associated with money. They had me to allow them access to my digital currency accounts as well as my bank accounts. They told me they had to remove and safe guard my funds before they could stop the hackers. They gained access to my XXXX accounts CoinZoom where I had approimately {$80000.00} dollars in XXXX and XXXX stored. They begin to transfer these funds from my account at a rapid pace. They transferred these funds to a newly created account into XXXX using my information. Then they gained access into my XXXX bank account. They instructed me to transfer {$17000.00} from my savings account to my checking account. They had me send {$7500.00} through XXXX to my son and then had me immediatedly reverse the transaction by having my son send it back. I later discovered they closed/deleted my XXXX account. Then they used {$10000.00} to purchase XXXX from my XXXX account and another {$1000.00} was used to purchase XXXX through my paypal account and XXXX. All this took place a span of about 4-1/2 hours with me. They tried to bring 2 of my sons into their scam but my sons had suspected this was a scam. They tried to alert me by phone and through text but was blocked. They kept telling me to stay calm and that my funds would be returned in 24 hrs. After they where done I became panicy and begin to take action by alerting my bank and the other institutions involved. My bank to action by stopping 3 of the 4 transactions to XXXX. We to other security proceedures to protect my account. However CoinZoom, XXXX made a decision to not cooporate. I filed a report with the FBI hotline for senior citzens as well a report with my local law enforcment agency. After visiting my Social Security office I was advised to visit my State Reprensentive office where thy suggested I file this report with CFPB and the FTC.
Product: Credit reporting or other personal consumer reports

In 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. 

Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account XXXX XXXX XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Bankruptcy Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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.