23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am attempting to closeout a Chapter XXXX case but am unable to do so due to fees Ditech claims I owe totaling more than {$5000.00} in arears payment, however Ditech has not submitted these claims to me or my attorney for review and/or payment. My attorney 's office and I have attempted to obtain information and get Ditech to submit claims relating to this issue since XX/XX/2015. We have made several telephone calls to Ditech. Ditech representatives seem to be clueless as to the request or say they will give us a call back, but as of this writing I nor my attorney 's office have received a return phone call or claim for payment from Ditech. Ditech 's own attorney has tried several times to obtain this information but has informed my attorney 's office that she has been unsuccessful as well. I understand that this is normal behavior and practices for Ditech. I am very concerned that once my case is closed, and fees are later submitted for payment, Ditech may possibly pursue foreclosure procedures if I am unable to pay the full amount. Me and my attorney 's office have serious concerns that this could potentially happen.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a new complaint. I have been complaining since XXXX on XXXX. It is reporting to Transunion Credit Bureau as an " Adverse Action '', when " no money '' have ever been transacted. Ordered a {$79.00} TV in XX/XX/XXXX and returned within same month. They didn't have accounts then, but noting I have an account. XXXX has been UUPDATING my Transunion Credit Report with inconsistency dates as if I made a purchased, reporting late payments upon having a ( XXXX ) XXXX balance, and reporting " adverse action '', since XXXX. It was noted to be remove off the Transunion Credit Report XX/XX/XXXX but now it changed to XX/XX/XXXX. Why IS CFPB ALLOWING THIS.
Product: Debt collection

XX/XX/2020. I notified XXXX, XXXX, and XXXX about an account in my name that had been fraudulently obtained. I filed an Identity Theft Affidavit with each Consumer Reporting Agency and the account holder at the time ( Collection Agency XXXX XXXX Account # XXXX ), The original account is XXXX XXXX account # XXXX. The account was removed from the XXXX, XXXX, and XXXX, and reappeared in XX/XX/2020 under Collection Agency Credence Resource Mana ( Account # XXXX ). Credence Resources Mana sent me a letter acknowledging that they Knew the account had been disputed with the original creditor, but Credence Resources willfully attempted to collect on the account by reporting it to XXXX, XXXX, and XXXX. This is a violation of 15 U.S. Code 1692e. False or misleading representations. " ( A ) the character, amount, or legal status of any debt. 

Furthermore, Credence Resource failed to inform the Consumer Reporting Agencies that the account was being disputed which is a violation of 15 U.S. Code 1681i. Procedure in case of disputed accuracy ( c ) Notification of consumer dispute in subsequent consumer reports Whenever a statement of a dispute is filed, unless there is reasonable grounds to believe that it is frivolous or irrelevant, the consumer reporting agency shall, in any subsequent consumer report containing the information in question, clearly note that it is disputed by the consumer and provide either the consumers statement or a clear and accurate codification or summary thereof. 

And, 15 U.S. Code 1681s2.Responsibilities of furnishers of information to consumer reporting agencies '' ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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: Debt collection

I never opened up this card is fraudulent and they mailed me a letter stating Im being sued I requested documents showing proof and no response
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been stolen and Cominenty Bank requested my credit without my permission. Two seoerate accounts at cominety bank have attempted to be opened. Have called several times and waited over 2 hours each call. I did talk with someone today and informed them but Im unsure if all this will be removed from my credit
Product: Checking or savings account

i opened a account in 2018 for my personal account. I applied for a job on XXXX in found out it was a scam now i cant open any account due to this problem which is ruining my life for business needs in also to support my family. i have done anything wrong i reported this to a clerk due to me thinking this was to good to be true. the clerk told me to get rid of this check in that there will close my account to investigate but now i am under FRAUD.
Product: Debt collection

Payment date changed by 3 days as well as despite paying for over a year. If the interest rate was lower then payments would not be a problem. But they will call me 4 or 5 times a day on two different numbers. That 's 10 calls a day. And if I answer and as to call back because I 'm at work they threatened to reposes vehicle if I hang up.
Product: Credit reporting, credit repair services, or other personal consumer reports

Public records the court itself did not furnish any of this information to the credit bureaus. But what I do know is that the bureaus get public records information from companies ( a.k.a. Data miners ) like XXXX, or sometimes PACER. These data miners are for-profit companies that are in the information-selling business. They regularly collect public records information into their database and then they sell it to the main 3 credit bureaus., because it is a violation of the Fair Credit Reporting Act to report false information. Date contact XXXX XXXX and XXXX XXXX.
Product: Credit card

On XX/XX/XXXX, received email from Jet Blue stating credit card opened and charges purchased and added to account, {$1200.00}. I contacted Jet Blue customer service and told them I did not open account and it was fraud, my identity was stolen and to close account. The Jet Blue rep stated flight cancelled and to close account needed to contact Barclay Bank and gave me phone number. I called Barclay Bank, spoke with rep and told him I did not open the account, it was fraud and to close the account. The account was closed on XX/XX/XXXX and the balance was {$0.00}. The rep stated he would refer to their fraud investigation unit and they would send a letter. On XXXX I received an email from Jet Blue confirming the refund on the account of XXXX. I did not receive any letter from Barclay Bank on their fraud investigation. On XX/XX/XXXX, I received an email from Jet Blue stating as of XXXX the balance on the account ( which is closed ) is now {$2400.00}. There was never a statement received to explain any of the charges. I contacted Barclay bank and spoke with XXXX and supervisor XXXX and explained what has happened. XXXX verified the account was closed XXXX XXXX and no changes can be made to a closed account although additional charges were added to an account on XX/XX/XXXX after the account was closed. XXXX verified no one flew as all flights would have been cancelled when the card was closed. XXXX stated I would not be held responsible as the account was fraudulent. I thought the matter was closed and was told I would receive a letter verifying the account was fraud and I did not owe any amount. I received a letter from Barclay Bank today, XX/XX/XXXX, stating Barclay determined the account was not fraud and I am responsible for {$2400.00}. I have never received a statement or been told what they are basing their decision on that my identity was not stolen and used to open a fraud account. I called Barclay for the third time today and spoke with Supervisor XXXX XXXX # XXXX, I explained again I did not open the account, it was fraud. I asked to be sent the original application and was denied today. I was told to request this in writing. I asked what they are basing their decision that this is not fraud and XXXX would not say. I gave XXXX the FTC report number. Barclay Bank is based in XXXX and asked for contact info for main branch, was denied this information, I asked for XXXX 's supervisor and she would not provide contact info. I did receive an address for the Executive Office to send in a written complaint. XXXX stated she would look into this account and call me in 3 days with the outcome. I have been called a liar twice before so I am not hopeful this will be any different. I do not know how to resolve this is a fraud account and I did not open it. I am not responsible for the charges as this is fraud, the account was closed the day it was opened, flights were cancelled that day, verifed on the second call. Is Barclay Bank a part of the identity theft process?
Product: Money transfer, virtual currency, or money service

I was involved in a job scam. I was offered a job as an assistant to a lawyer who sent me a check which he asked me to donate to a charity. I received the check on XX/XX/2022 in the amount of {$4900.00}. I was instructed to deposit it into my bank account and send {$1500.00} through Venmo to an account named XXXX XXXX on XX/XX/2022. I then found out that the check was fraudulent, and it bounced leaving my account balance at $ XXXX. XXXX and Venmo both have proven unhelpful in having the money returned to me.
Product: Checking or savings account

Dear Sir/Mam, I did initiated 3 BillPay transactions from Bank of America BillPay on XX/XX/XXXX & XXXX for the amount of {$2300.00}, {$4500.00} & {$4900.00} and scheduled to pay my loan account of 11.45 % interest rate with XXXX XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX respectively. 
First of all, the check amount of {$2300.00} and {$4500.00} on XXXX XXXX and {$4900.00} was on XX/XX/XXXX was deducted from my Bank of America Checking account. After complaining that the funds were not paid to the recipient loan account @ XXXX XXXX XXXX XXXX, I received an update from Bank of America that 2 checks {$2300.00} and {$4500.00} were encashed by XXXX and {$4900.00} was not, whereas XXXX confirmed that the bank did not encash the funds, so Bank of America understood the checks were encashed by an unknown ... which is fraud. After knowing that {$4900.00} was not encashed I did requested to cancel the {$4900.00} check and refund the money back to my account. The {$4900.00} was deposited back to my account on XX/XX/XXXX - after 7 days from the date of complaint. 
Now going back to 2 checks that were encashed, Bank of America took almost 45 days to fax the check copies and collect an affidavit confirmation from XXXX and without my follow up every 3 days and coordination between the 2 Banks it would have not been possible at all. 
Now after receiving the affidavit on XXXX, XXXX, that the payment has not been encashed by XXXX, the money deducted from my account {$2300.00} and {$4500.00} should have been refunded back to me as I understand all the accounts are FDIC insured with Bank of America. 
As a single family income member, lose {$6800.00} for about 2.5 months is a very bad economical crisis and on the other had the funds were supposed to be paid to a loan account of interest rate 11.45 %. 
The process of Bank of America with respect to sending or receiving fax and send/receive mails is very unprofessional and it needs to be fixed. 
On top of all that, how can Bank of America authorize a fund clearance when the check is encashed by a wrong recipient when it's a BillPay check generated by Bank of America Back Office and marked to a specific account number with XXXX. 
Secondly, when the transaction has been identified as fraud why is the fund not returned back to my account & why the FDIC claim not initiated by Bank of America, why does the consumer have to wait on refund which directly impacts the consumer and his economical conditions ... Why is Bank of America not able to put consumer priority first to refund the money to the consumer while the account is FDIC insured and then continue with the investigation whereas the consumer is not directly involved in such a fraudulent transaction?
Product: Credit reporting

there is a spelling of my name that is wrong. also it has an address Iv never lived at in there
Product: Debt collection

Spring Oaks XXXX XXXX  says I owe XXXX XXXX. to them. I don't know who these people are. I have no wet signature contract with them. Under XXXX5 usc 1681. I don't owe them anything. They illegal report this account to my credit report. I want it deleted off my reports. This company has no right to contact me. This company is illegal.
Product: Debt collection

Was to take a trip to XXXX on XX/XX/20 to XX/XX/20 Due to the President of the US and the XXXX XXXX of XXXX shutting down the countries I was unable to go on the vacation. Citi Cards has not been cooperating nor has the XXXX XXXX XXXX XXXX Not being able to get through to either of them. I'm disputing the amount of {$1200.00}
Product: Credit reporting or other personal consumer reports

It is enshrined in the annals of the Fair Credit Reporting Act, under the category of 15 USC 1681 section 602 ( a ), that consumer reporting agencies have the solemn duty of guarding the fairness, impartiality, and respect for consumer privacy in their line of work. In this scheme of stakeholders, esteemed institutions such as XXXX, Transunion and XXXX operate as consumer reporting agencies and I, the undersigned, fall under the category of the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I hope you can help! I reached out to the credit bureaus on XX/XX/2023 and haven't received a response! Information is still incorrect and violates my rights! My understanding Section 611 ( a ) of the FCRA requires a CRA to conduct a reasonable reinvestigation of any item of information in a consumer 's file if the consumer alleges the item to be inaccurate. I will list the accounts below. 

1. Validate Account XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

2. Validate Account XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

3. Validate Account XXXX Account Number : XXXX 4. Validate Account Please investigate and delete from my credit report. 
XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with Fair credit reporting act convergent accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Has violated my rights. Recently I reviewed my credit reports and found the above inaccurate late payments. Per FCRA 15USC 16811 All unverified and inaccurate information must be promptly DELETED. Please provide me all information your bureau used to verify these inaccurate late payments. Noncompliance with this request for deletion if you can not produce METRO 2 COMPLIANT EVIDENCE will force my legal to file with FTC, ATTORNEY GENERAL of Alabama along with any further legal action we deem necessary including but not limited to civil and punitive damages.
Product: Credit reporting or other personal consumer reports

I have been locked out of my online account for two months I have been asking for help to regain access as part of the verification is XXXX digit card number which I did not have the representative said they sent a card out and it was never activated on there side because it was not received on a recent call again for the XXXX time I asked that someone help me access my account because I have reoccurring charges and one had for declined which prompted me to call again they said they would remove late fees because of this error and to wait for new card to come they would expedite it I received the card and activated today and called they told me a form was down and to write a letter when I know that will not resolve and then was hung up on three times when asking for a supervisor they recently marked my credit report late after they are removing those fees because I couldnt verify the account with the credit card and it has caused two of my other cards to reduce my limits as a result of this false report
Product: Student loan

1.I have never had XXXX  LOANS, REMOVE from all credit agencies from reporting. 
2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) STUDENT LOANS, the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 
XXXX.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.

8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.

10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
Product: Vehicle loan or lease

I need to pay lower interest 24 por cent is to much
Product: Credit reporting, credit repair services, or other personal consumer reports

When trying to submit a dispute with Equifax, it asks me questions to confirm my identity, and the questions are n't about me.  Main one that raised a flag was " Our records show you have a Student Loan, what credit union is tha t through? ", and I 've never had a Student Loan, there 's a couple other questions that I 've been asked that I ca n't recall at the moment. This is resulting in my Equifax not changing, and being stuck at a low credit score.
Product: Money transfer, virtual currency, or money service

Multiple amounts were deducted from my cash app. I domt know the exact amounts neither can I search in my cash app because they have blocked my account whoever the hackers was and {$500.00} was stolen off my card. 

XXXX XXXX XXXX XXXX