23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a demand letter from Love, Beal and Nixon P.C. in  XXXX , regarding a auto loan with   XXXX   XXXX   XXXX  -I took out a auto loan with  XXXX  and was told by the dealership that it was a requirement from  XXXX  that I had to have an extend service contract. After finding out that this was wrong and a fraud loan, I sent back the car to  XXXX -and I was working with them while they were suppose to be investigating the dealership.
I sent them out a validation letter requesting : 1 ) since they are the law firm representing  XXXX , what was the results of the investigation.
2 ) Per the contract, I signed with  XXXX , I agreed that the contract will be governed by the laws of the state of Kansas-How were they able to sue or collect the debt under the laws of Oklahoma.
They did not answer these questions-they just sent me back my contract with  XXXX , and a letter stating what I owed.
Also, I was looking at my credit today, and found an inquiry from this law firm, requesting my credit-I did n't sign ANYTHING, that allows them to checking my credit.
At this point-I have tried to contact the law firm and I get nowhere-I would like them to send this account back to  XXXX , where I can deal with the balance owe directly and get the answers that are owed to me. And I want the Inquiry and any credit reporting removed from credit report.
Product: Credit card or prepaid card

I've been with American express since XXXX I never missed a payment or was late and I dont have auto pay for last 5 years I haven't missed a payment on anything. Cc mortgage, loans etc ... 2 weeks ago I paid over XXXX on a payment to American express 2 weeks after that was over XXXX payment o balance went to XXXX used card and was denied 2 days later got an email about changes to my cc where they denied purchase and dropped my limit to XXXX was XXXX i called them ask them why and can't get straight answer so I told them cancel my card if thas how I'm gon na be treated after a superb history so they didnt XXXX na cancel card wanted me to speak to the team that deals with this so I agreed and for them to second look my accout to see why I was treat like this they want copy of my assets tax form or we do t see why they need all this 2 years had card never this wrong what they did
Product: Checking or savings account

I have been using XXXX with m & t bank for friends and family that pay me back because i like to go out and eat a lot and lend out money to family and friends, and they pay me back through XXXX because its easier.This is the problem on XX/XX/XXXX M & t bank has taken 2 XXXX transactions from my account,1 transaction of {$790.00} and 1 transaction for {$190.00}, both XXXX transactions, which i thought XXXX transactions are not refundable, i have a lot of friends i give money too, and they pay back through XXXX XXXX someone mightve lied to get a chargeback to get their money back, I have proof.XXXX  doesnt do refunds and chargeback, M & t stripped the money from my account when i have bills to pay, thats illegal i plan on taken this further than just a complaint.I have to get these transactions refunded.
Product: Credit reporting or other personal consumer reports

I've persistently raised disputes concerning the inclusion of these accounts on my credit report, which clearly do not belong to me. Regrettably, despite my diligent efforts, these contested accounts persist on my credit history. Furthermore, I've taken the step of submitting numerous reports to the FTC regarding these accounts that have no association with me. 

It's important to note that these companies have neglected their legal responsibility to investigate and rectify these disputes, which is mandated by law. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX
Product: Credit card or prepaid card

My wife passed away on XX/XX/XXXX and our monthly income had included her social security and pension income which have now been discontinued. My income has been reduced to less than half of what we had together while she was alive. I contacted Chase Bank on XX/XX/XXXX to explain my current financial situation and asked if they would adjust my 25 % interest rate so that I could continue to make payments on this account, reduce my monthly payment, and have more of the payment go towards principal. The balance is over {$6000.00} and they only offered me to settle the account if I could pay {$4700.00} within 90 days. I do not have that amount of money to settle the account. I want to do the right thing and continue to make payments, but I have always felt that 24.99 % interest is taking advantage of any borrower as I will never in my lifetime be able to repay the principle when most of the monthly payment goes towards interest.
Product: Checking or savings account

On the XXXX XX/XX/XXXX, I was charge {$250.00} three times from XXXX XXXX to renew my membership. All three charges hit my debit card with TD Bank but my membership was never renewed. I immediately contacted the bank when this was noticed, and the bank representative advised that she would close the card, provide provisional credit and open an investigation. In XX/XX/XXXX, I saw my provisional credit was taken bank from my account and then I started to inquire what happened. 

TD Bank advised that XXXX XXXX tried to refund my money on XXXX XX/XX/XXXX but because the card was closed, they returned the money to XXXX XXXX. This should not have been the case as the bank should have accepted my refund since I had already reported the situation to them. Now I have contacted XXXX XXXX again in XXXX and they are advising that they can not see any transaction with my card, essentially denying they ever took my money but there is email confirmation from XXXX XXXX representative advising they took my money.
Product: Credit reporting or other personal consumer reports

I previously sent a letter to the Bureaus regarding the inaccuracies and unknown entries on my credit report, but sadly, I haven't received a response even after XXXX  days. It feels like my concerns are being overlooked, and I'm not being treated fairly. As per Section 611 ( a ), if these issues aren't investigated within XXXX  days, they should be removed from my credit report without delay. Since that time has passed, I expect these accounts to be updated right away. If this doesn't happen, I may have to consider legal action due to the stress this situation has caused me. Moreover, my information was compromised in the XXXX, Experian, and XXXX data breach, which adds to my worries about the safety of my personal data.
Product: Credit card

On Friday XXXX XXXX I contacted Sofi banking to express to them that it was accounts opened in my name with our my promission and I was told because it's my social security number they can't help me report them accounts and I asked them " So you don't believe a person will still someone identification to open up any kind of account '' and I was told no that she doesn't believe in identity theft so it could have happened. Something needs to be done because if it doesn't nothing will change.
Product: Credit reporting or other personal consumer reports

Ive requested prior that XXXX, Equifax, and XXXX update my payment history on my credit report and they have yet to do so. The information is incorrect and out of date. I have reached out to both the lenders on both accounts for the XXXX XXXX account and the XXXX XXXX XXXX account and they have confirmed that it is not them reporting the information wrong. These 3 Credit Bureaus are using my information improperly and reporting the information incorrectly. I would like it updated as soon as possible to Paid On Time like it was before hand.
Product: Mortgage

It is important to know that the home we lived in was scheduled for demolition giving us less than a month to vacate at the time. 
I had been working with First Citizens Bank ( XXXX XXXX ) to obtain a 15-year mortgage loan. During communications I specified on numerous occasions that I wanted a 15-year loan. ( Loan # XXXX ; for XXXX ) Two days before closing XX/XX/XXXX ) and the deadline to vacate our residence, I met briefly with Mr. XXXX to provide requested documents and inquired the amount of my monthly payment. Mr. XXXX informed me that my payment would be {$880.00} ( less escrow ) I ask Mr. XXXX how he had managed to get a payment that low on a 15-year loan? He informed me that it was a 30-year loan. I told Mr. XXXX that I did not want a 30-year loan that I had repeatedly requested a 15-year loan. Mr. XXXX told me that it would take at least three weeks to re-do the loan. He knew that I didnt have three weeks because I had to be out of the house by the XXXX of the following week. ( about 4 days- demolition on the house was already taking place. ) Mr. XXXX informed me not to worry that to wait a month or two and he would re-do the loan and that I would not be required to pay closing cost again. This never happened. 
I kept requesting a 15-year loan and First Citizens started the process at least 3 times XX/XX/XXXX ; XX/XX/XXXX ; and the third time I dont recall the date. 
I closed a second time in XX/XX/XXXX costing me approximately an additional {$6000.00} in closing cost. Plus my families future standard of living has been reduced due to paying elevated interest that I should not have hade to pay. This does not include the stress.
Product: Debt collection

MY ID WAS STOLEN SOMEONE OPEN UP A XXXX  ACCOUNT UNDER MY NAME FRAUDULENTLY THE ACC WAS OPEN IN XXXX JEFFERSON CAPITAL IS TRYING TO COLLECTION {$1000.00} ON A FRAUD CHARGE FILED FTC REPORT # XXXX PLEASE REMOVE RIGHT AWAY
Product: Mortgage

Nation star mortgage seems to be churning my file with no intention of Considering a Modification. I believe they are also charging a fee to the investor for the churning of the file. See attached letter and documents
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Transunion on at least XXXX occasions to initiate disputes into unknown hard inquiries on my consumer report. I have submitted a dispute by mail on XX/XX/2023, and I have contacted them by phone on XX/XX/2023 and XX/XX/2023. They refuse to investigate any of my requested disputes stating that I have to send in documentation before they investigate anything. They also stated by phone that they do not investigate inquiry disputes over the phone at all, and refused to take my information to initiate a dispute even when I informed them I was a victim of fraud. They keep misstating the law on a consumer who initiates a dispute, stating that they could perhaps send a letter on my behalf to all the companies I want to dispute, and ask them to provide information. That would of course require me to give them authority to do something I was trying to do on my own as a consumer. Transunion is actively dodging its legal obligations under the FCRA and making consumers jump through hoops to initiate disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX {$230.00} XXXX XX/XX/XXXX XXXX XXXX {$4500.00} XX/XX/XXXX XXXX XXXX {$11000.00} XX/XX/XXXX Accounts do not belong to me Also please remove unauthorized inquires XXXX XX/XX/XXXX XXXX XX/XX/XXXX equifax mortgage XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card

To : Comenity Capital Bank XXXX XXXX XXXX XXXX, OH XXXX Subject : Dispute of Unauthorized Sharing of Financial Information under 15 U.S. Code 6802 Credit Card with account # XXXX To Whom It May Concern, I am writing to formally dispute the unauthorized sharing of my personal financial information by Comenity Capital Bank as outlined under the provisions of 15 U.S. Code 6802, which mandates the protection of consumer financial information.

Upon reviewing my recent financial statements and communications, I have discovered that my personal financial information has been shared with third parties without my explicit consent. This is in direct violation of the aforementioned statute, which requires financial institutions to provide clear notice of their information-sharing practices and obtain consumer consent before sharing nonpublic personal information with non-affiliated third parties. 

As a consumer, I have the right to : XXXX. Receive clear, conspicuous, and accurate notices regarding the sharing of my personal financial information. 
XXXX. Opt-out of having my nonpublic personal information shared with non-affiliated third parties. 
XXXX. Have my financial information handled with strict confidentiality and security measures. 

I request that you immediately cease any further sharing of my personal financial information without my explicit consent and provide me with : XXXX. A detailed explanation of the information shared and the third parties with whom my information was shared.

2. Assurance that all necessary measures have been taken to prevent further unauthorized sharing of my information.

3. Copies of any notices or opt-out disclosures that were supposedly provided to me.

Furthermore, I expect that you will conduct a thorough investigation into this matter and take all necessary corrective actions to ensure compliance with 15 U.S. Code 6802. Please acknowledge receipt of this letter and provide a response within the time frame required by law. If you do not comply with my request within a period time of no more than 30 days, I will file a complaint with the Federal Trade Commission ( FTC ), which has the authority to bring a civil action in a U.S. district court and you will be exposed to a lawsuit. 

Thank you for your prompt attention to this serious matter. I trust that you will handle this issue with the utmost urgency and respect for my privacy rights. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was a victim of ID Theft in the past. I pulled my credit and noticed a collection on my credit report, It does not belong to me XXXX XXXX acct # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

good morning! How are you? Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I dont recall opening another kohls  account. It is under the hard inquiry section.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
-- AUTO ACCOUNT -- 1. XXXX AUTO with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Money transfer, virtual currency, or money service

Unauthorized transactions and no customer service would help when told about it
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law : XXXX XXXX XXXX XXXX, XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXXXXXX XXXX XXXX  XXXX Balance XXXX : {$0.00} ; XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX.
Product: Credit reporting or other personal consumer reports

It's required by FCRA 605B that we remove any incorrect accounts from my credit report. Would you please review the documents? Some of the listed accounts are inaccurate in terms of reporting. I should receive {$1000.00} for each inaccurately reported item on my credit file
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been requesting, since XX/XX/2021, verification of these alleged debts that the Bureaus keep reporting on my credit files. However, credit bureaus and these companies - XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX failed to investigate & obtain, as mandated by law, proof of such debts. Yet, they continued to report & sell erroneous information about me. Therefore, it is quite obvious that they have deliberately violated my rights in more than one way which is punishable by law. Please remove the accounts immediately
Product: Credit card or prepaid card

I applied for a credit card at CHASE and a hard inquiry was performed on XX/XX/2018. They wanted some more information and sent me a letter in the mail to an address different from the one I was living at. By the time I got home weeks later, the deadline to submit the information asked in the letter had passed. The hard inquiry is still on my record.
Product: Payday loan, title loan, personal loan, or advance loan

When I applied for loan was because my vehicle had broken down and needed urgent the money to buy the parts that were so expensive, but quickly signed. Then after noticed that it was taken XXXX about every pay period and the interest were crazy XXXX %. I want the interest to be reviewed and lowered to normal interest. This is an abuse by lenders as when you need, they take advantage of the circumstances and way increase he interest.
Product: Checking or savings account

I had opened two custodial accounts with TD bank for my two kids back in the late nineties, As as XX/XX/XXXX account # XXXX had {$67.00} As of XX/XX/XXXX account # XXXX had {$4100.00} About three months ago I went to withdraw money from the accounts and was told that they had been turned over to the state due to inactivity, but going on the State of CT. website i discovered that they had not been turned over. 
This is from the TD Branch in XXXX, CT. 
Ever since then I have been given the runaround first by the assistant manager XXXX XXXX and about two weeks ago by the manager ( I did not write down her name ), who said that the money would be available the following day in the form of a check. 
When she did not contact me to pick up the check I called and left a message. This was on or about XX/XX/XXXX. She has to date not returned my call nor has she refunded the money I had in the two accounts totaling {$4100.00} plus accrued interest. 
I have been advised that these two accounts are no longer in the system but I do have the passbooks
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX was tasked with validating the records associated with this account but failed to do so. The requested information included : A copy of the agreement granting authority to collect on this alleged debt.

A signed agreement where I explicitly agreed to pay the creditor.

Details of any insurance claims filed by the creditor regarding this account.

Documentation of any judgments obtained by the creditor related to this account.

The name and address of the alleged creditor.

The name associated with the alleged debtor.

The alleged account number.

The address on file for the alleged debtor.

The total amount of the alleged debt.

The date the alleged debt became payable.

The date of the original charge-off or delinquency.

Verification that the debt was assigned or sold to the collector. 
A complete accounting of the alleged debt. 
Details of the commission the debt collector would earn if collection efforts succeeded. 
The method used to verify and validate this information. 
None of this information was provided. Additionally, XXXX XXXX XXXX XXXXXXXX manipulated data originally present in my file. The attached documents show that the initial account was linked to " XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX. '' After this information was confirmed to be fraudulent, XXXX XXXX XXXX XXXXXXXX altered the document file to " XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. '' This missing information, combined with the deliberate manipulation of my consumer data for corporate benefit, constitutes violations of the Fair Credit Reporting Act ( FCRA ) and consumer rights laws, specifically 611 ( 15 U.S.C. 1681i ), which pertains to the treatment of inaccurate or unverifiable information.

Because the information required for account accuracy validation has been manipulated and is, therefore, invalid, XXXX XXXX XXXX XXXXXXXX is obligated to delete the account and any related connections to my personal information.
Product: Credit reporting or other personal consumer reports

Equifax still is reporting inaccurate information to my reports and is failing to properly verify the information that is reporting.
Product: Mortgage

Select Portfolios Servicing and XXXX Bank as trustee for the holders of the XXXX Mortgage Trust XX/XX/XXXX are attempting to foreclose on my property located at XXXX.The assignment that is being used was created and robo signed after the cut off date of the trust ; according to the pooling and servicing agreement filed with the S.E.C all mortgages were to be conveyed by XX/XX/XXXX. The assignment was also created, and notarized in Florida when the property is located in XXXX. I submitted two Qualified Written Request to select portfolios and neither of these documents have been addressed. 
SELECT PORTFOLIO SERVICING XXXX