23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, personal loan, or advance loan

OneMain has refused to provide me with the origional full contract to support any loan documentation, terms with signature. I have requested any and all contract documentation from One Main Financial and been told they have no record of any loan now that they have sold the dept to XXXX XXXX. XXXX XXXX sent me a bill of sale for the dept they purchased from One Main on XXXX and have since been threatening me with law suits and letters from lawyers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

OneMain has continued to deny me access to any loan contract documentation after they were suited on XXXX and the Consumer Financial Protection Bureau issued an order against OneMain Financial XXXX  LLC stating, OneMain misrepresented tens of thousands of consumers who purchased and then subsequently canceled optional add-on products that they could cancel the products during what it called a full refund period and be returned to the financial position they would have been in had the product never been added to their loan. The Bureau found that OneMain engaged in deceptive acts or practices in violation of the Consumer Financial Protection Act of 2010 ( CFPA ) by misleading consumers into believing they must purchase add-on products to receive loans and that they could cancel the add-on products within a prescribed time period without cost. The Bureau also found that OneMain engaged in unfair acts or practices in violation of the CFPA by charging and failing to refund the full premium and interest that accrued on add-on products consumers did not agree to purchase and by charging and failing to refund interest that accrued on add-on product fees during a purported full-refund period. Finally, the Bureau found that OneMain violated the CFPA by abusively interfering with consumers ability to understand that add-on products were optional and that OneMain charged non-refundable interest during the purported full-refund period. Failure to provide a contract agreement with OneMain as the original creditor and contract thereof is another example of OneMain engaging in unfair acts or practices in violation of the CFPA. Furthermore, OneMain is believed to be hiding the original contract as it relates to another admission of their Stipulation and Consent Order to avoid further respondents from adding to the suit, myself include. Having the original contract and listing OneMain as the Original Creditor on my credit history would show or could show their liability and additional add on products, insurance, or cancelation options that were not returned by the finial institution. I would like this removed from my credit base on the information provided.
Product: Debt collection

keep getting calls from XXXX asking for someone else. 
They will not stop calling at all hours or they do not believe that person is n't there/
Product: Debt collection

I have contacted Caine and Weiner on XX/XX/2021 to dispute this erroneous debt that was placed on my credit reports in error. I am seeking remedy for the violations listed below. I will also Include physical documents that were mailed to Caine & Weiner on XX/XX/2021. 

1. Affidavit of Truth 2. Notice to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX, and I have been appointed and accept being the executor booth public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX, XXXX and autograph as the agent, attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, now present : 3. Fact, the Fair Debt Collection Practices Act is intended to secure my right to privacy and my privacy has been breached so be it, and ; 4. Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; Fact, please show good faith in this matter by expediting the securing of alleged information listed on your site in order to avoid me receiving further injury, damages, and mental anguish, and losses due to me being a victim of identity theft, so be it, and ; Fact, affiant is aware and has proof in the attachment labeled as Exhibit A that ( CAINE & WEINER ) is in violation of 15 USC 1692b. ( 5 ) and 15 USC 1692b. ( 2 ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit B that ( CAINE & WEINER ) is in violation of 15 USC 1692b ( 5 ) and 15 USC 1692b. ( 2 ) Thank you, 5. I swear to all information provided herein, I do so under the penalty of perjury that the information I so affirm to be true, correct, accurate to the best of my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do require subrogation of the bond to settle the charge. 

On the date of XX/XX/2021 XXXX XXXX, agent, d/b/a XXXX XXXX came before me today present as a flesh and blood living being ( non entity/ non debtor ) under oath to the most high of creation only and provided the facts listed therein.
Product: Credit reporting or other personal consumer reports

I REVIEWED MY CREDIT REPORT AND FOUND A DISCREPANCY IN MY PERSONAL INFORMATION IN THE 3 BUREAUS EXPERIAN XXXX AND XXXX
Product: Mortgage

I sent in check XX/XX/XXXX to bring account to full terms. Check mail was received XX/XX/XXXX and not caused. I called XX/XX/XXXX asking why check not cashed was told will followup with person in charge. I called again XX/XX/XXXX asking why check not cashed since sent XX/XX/XXXX and was told loan reference to foreclosure and lawyer fees will be {$2600.00} in addition to {$21000.00} owed payments. 

This is fraud and scam, I want a full review, lender withheld check to make sure date went by to add fees, deceptive and very fraud. Had issues since loan got transferred to this lender XXXX XX/XX/year>. XXXX XXXX XXXX with Rushmore Mortage is a very cruel human being, he has no empathy, he was very rude to me each time I spoke to him, very dismissing and acts in cruel intentions, he single handedly withheld check received to have days go by to have loan go into foreclosure to add fees to make it hard for me. He rejected check I sent in only to add additional fees and make it hard for me to regain my home. This company and man is cruel. He is XXXX amd bias towards me individual. I will be filing a lawsuit against him specifically.
Product: Credit card or prepaid card

This is an addendum to CFPB Complaint # XXXX. The Complainant received the attached email on XX/XX/2022 from a resolution specialist at Bank of America 's Regulatory Complaints, asking to confirm I am the party who filed the CFPB complaint. The Complainant has attempted several times to unsuccessfully contact the resolution specialist via email reply, telephone calls, and left voice mail messages, and Complainant has not received any response. The Complainant is going on record that the disputed amount will not be paid. The Complainant 's due process rights have been violated and intends to bring legal action against Bank of America to resolve the dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted XXXX, XXXX, and Equifax regarding inaccuracies in reported accounts contained on my credit files on XXXX XXXX2020 via certified mail. Submitted information indicating the inaccuracies, however the credit bureaus failed to respond within the allotted 30 days time frame, and I have not received a response regarding a dispute I communicated with in writing to the credit bureaus listed above to this date after over 90 days.
Product: Debt collection

I received a letter from ERC ( debt collector ) dated XX/XX/2019 for {$410.00} about an an XXXX XXXX Credit Card ( XXXX XXXX  ) for an account that I closed more than 2 years ago. I never received any communication about me owing money and this was the first communication on the topic. I paid right away as I didn't want my credit score to suffer. 

First, this is a charge that I didn't owe. Second, I need this to not impact my credit score.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX Company XXXX XXXX XXXX XXXX XXXX, XXXX Company XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX Company XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Company XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Company XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These are all the hard inquiries that I currently did not authorize to run my credit or had a recognition of this is fraudulent activity happening on my account i wish to have removed as soon as possible.
Product: Credit reporting or other personal consumer reports

I requested that the information be investigated for the inaccuracy and to provide the company that allegedly verified this information. XX/XX/XXXX was the date of the last dispute letter sent out to Equifax, where they failed to provide any of the requested information. Instead they provided an updated credit report that the information was verified. In accordance to the procedures set forth below Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( A ) In general. Subject to subsection ( f ), and except as provided in subsection ( g ) if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the 611 - 15 U.S.C. 1681i 59 disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

My consumer rights have been violated by Equifax which has caused a negative impact for me to obtain credit. Failure to conduct an investigation in a timely fashion, removing inaccurate information has caused me to get a higher percentage rate when I was granted credit. Equifax claims that the company XXXX is the source of the verification, that company DOES NOT have a report of any bankruptcies on a file that they presently have associated with me. Equifax claimed that this bankruptcy was verified on XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX I contacted Equifax where I was told that they didn't have to conduct another investigation because one had recently been conducted. None of what I asked was provided to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX  i paid off in full - still showing in collections
Product: Mortgage

TRUIST will not let you pay off a mortgage at a branch office or online. The only way they will let you pay off a mortgage is Wire transfer or Cashier check. This is not acceptable. They try to make it impossible to pay off your mortgage
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the number listed on my credit report for Miramed XXXX XXXX numerous times ; however, I still have not received any correspondence regarding the alleged debt. The fifth or sixth time I called a lady offered me a tax deal where If I paid one lump sum that they would write off the remainder of the debt but she couldnt tell me anything about what the debt is for. I have never had a contract with Miramed and believe they made an error that is greatly affecting my credit. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

i check my credit report and i see unauuthorized inquirys for XXXX  i file a ftc report they still want from them frm my report they are 3 of them 1.XXXX  2.XXXX  XXXX  3.onemain 4.XXXX XXXX XXXX  all dis was not me
Product: Credit card

I was charged {$240.00} from XXXX XXXX on XX/XX/XXXX. XXXX cancelled my flight. Per federal law the airline is required if purchased within 24 hours which it was the same day to offer a cash refund. Capital One refuses to dispute with the correct information that XXXX cancelled my flight the same day I paid. I provided them documents to support this. A refund policy does not apply when a airline cancels a flight on there own accord. The federal law is golden on this transaction. 


A federal rule announced Wednesday will require airlines to quickly give cash refunds without lengthy arguments to passengers whose flights have been canceled or seriously delayed, the XXXX administration said. XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX XXXX XXXX XXXX  was deleted from all 3 credit bureaus. This account does not belong to me and can not be verified. Recently this account was added back to my credit reports. How sway? Because I have never done business with this company and this account does not belong to me. Also, I know for a fact that the credit bureaus have to provide me with a 5 day notice before adding any account back on to my credit reports. I have not received that letter! 
This account need to be deleted from my credit reports immediately because it was added back with out proper notice on top of this being an unverifiable account. 
I am highly considering litigation because this is crazy..
Product: Credit reporting or other personal consumer reports

I am filing this complaint due to inaccurate and unverifiable information reported on my credit file. I despite my efforts to dispute these inaccuracies, they have failed to comply with their obligations under the Fair Credit Reporting Act ( FCRA ).

Specifically : Failure to Ensure Maximum Possible Accuracy : Under 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to ensure the accuracy of consumer reports. However, several items in my credit report are inaccurate and do not meet this standard.

Failure to Investigate Disputed Information : As outlined in 15 U.S.C. 1681i ( a ) ( 5 ), the credit reporting agency has not properly investigated the items I disputed. If information can not be verified or is found to be inaccurate, it must be promptly corrected or removed, which has not occurred.

Violation of Furnisher Obligations : Under 15 U.S.C. 623 ( b ) ( 1 ), furnishers are required to investigate disputes and validate the accuracy of the information they provide. The furnisher has either failed to validate or did not respond adequately, yet the disputed information remains on my report. 

Additionally, I am a victim of XXXX XXXX  and identity theft, which has contributed to these inaccuracies. The persistence of this information on my credit file is causing significant harm to my financial standing and well-being. 

I am requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate these violations and take action to enforce compliance with federal laws. I also seek the immediate removal of the inaccurate and unverifiable items listed in my disputes. 

XXXX ( XXXX XXXX : XXXX XXXX  )
Product: Debt collection

A payment of {$520.00} was due on XX/XX/2023. It was set to auto draft from my bank account. There was not enough funds at the time so the payment was returned. To cover this, a payment was made on XX/XX/2023 for {$550.00} to cover the XX/XX/2023 returned payment and a late fee. The next payment of {$520.00} was due on XX/XX/2023 and paid on XX/XX/2023. The next payment due was XX/XX/2023 for {$520.00} which was paid on XX/XX/2023. 

I am being called by collections who state my account was not up to date due to the returned payment XX/XX/2023 despite my records and theirs reflecting the aforementioned payments. The last statement I got from the collector was that I was charged double because it was returned. This is not true. I am up to date on my payments, yet they are trying to collect a phantom payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

First Bank FL MANAGER XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX, FL XXXX RE : XXXX XXXX c/o XXXX XXXX ( niece and Power of Attorney ) XXXX XXXX XXXX XXXX XXXX NJ XXXX I am in a XXXX home ( XXXX XXXX ). 
I have not done my Taxes in the years : XXXX ; XXXX ; XXXX ; XXXX. 

I requested four ( 4 ) 1099 Forms so we ( my POA/Niece and myself ) for 4 years so we can do my Taxes and send to the IRS. To First Bank FL at the address above on XX/XX/XXXX. They did NOTHIGN for 1 month. My niece contacted 1st Bank Florida in XXXX XXXX again 1 month later ( XXXX XXXX ) and they wouldn't talk to her, despite sending in the POA forms and 2 death certificates of POAs # 1 and # 2. jthey wouldn't grant her POA! ) so i have to type up a letter and get it notarized in my XXXX XXXX, for Every CD expiring that I want CASHED and mailed to th e above address to pay for my XXXX XXXX 

1st Bank FL called me at my XXXX XXXX 3-4 weeks ago, andn I verified that YES, I DO WANT AND N EED 4 YEARS WORTH OF 1099 's TO DO MY IRS TAXES !! I WAS REQUESTED TO SEND IN : DRIVER 'S LICENSE ( i AM XXXX YEARS OLD BUT HAVE A LICENCE ) ; INSURANCE CARDS, ANDN I ALSO INCLUDED OTHER INSURANCE CARDS " AND '' MY SOCIAL SECURITY CARD, ALL XEROXED TO BANK ON XX/XX/XXXX. 

STILL NO 1099 's FOR 4 ( FOUR YEARS ) SENT TO M E!!!! I HAVE BEEN WAITING FOR 2 LONG MONTHS TO GET THESE FORMS, AS THE 1ST REQUEST SIGNED WAS SENT ON XX/XX/XXXX!!! TAX SEASON ENDS IN 1 MONTH, AND this DARN OBSTINATE BANK IS THE ONLY BANK THAT I AM WAITING FOR, TO COMPLETE MY TAXES AND SEND TO MY NY ACCOUNTANT!!! 

Why are these people so obstinate? Lazy? or not followiong rules for their Customers??!! 

I N EED MY EARNED INTEREST INCOME OF MY 4 YEARS WORTH OF MY MANY CDS IN YOUR LOUSY BANK : 1ST BANK FLORIDA, ASAP/ IMMEDIATELYK!!
Product: Credit reporting or other personal consumer reports

I am now requesting proof of previous investigation. im asking that you send your method of investigation along with all records of who you spoke with, there business name and phone number as well as documentation that proves this account was late, if you can not provide me with information in 15 days update the account to PAID.NEVER late and send me a copy of my update credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Bank account or service

My mother and I had linked accounts with Chase Bank, her acct got hacked and they froze both of ours. Then they ( Chase ) emptied out her account and most of mine to hold her liable for the fraud that happened. She and I have tried numerous times to contact the fraud department to find out what the status is and no one is giving us any answers. This has been going on for 2.5 weeks and there is still no update on anything. The woman who 's information I was given seemed to be the one who would know something about this but she has not answered the phone once in the two weeks I have been calling. The bank is supposed to let us know something within 10 business days and I have heard nothing. My paycheck got sent to Chase, instead of my new account at a different bank, and now I ca n't access my paycheck for my upcoming bills.
Product: Credit card or prepaid card

I entered into a contract to purchase hearing aides from XXXX XXXX  on XXXX XXXX. {$4000.00} of the purchase amount was to be financed through XXXX which is a product of Commenity Capital Bank ( XXXX XXXX XXXX XXXX, Ohio XXXX ). My purchase agreement and sales receipt specify the contract is for 60 months at a rate of 9.99 %. Additionally these document specify this will be a monthly Equal Payment Plan. The first months statement was issued by Commentiy on XX/XX/2022 with a payment due on XX/XX/2022 in the amount of {$87.00}. That payment was paid in the amount of {$87.00} on XX/XX/2022. The XX/XX/XXXX, statement was then issued with the monthly payment due amount of {$150.00}. I XXXX mailed a letter to Commenity disputing the monthly payment amount. I furnished a copy of the purchase agreement, and receipt. On XXXX XXXX Commenity Customer Care Team sent me a letter stating they had received my letter and would be working on resolving the issue. XXXX, XXXX and XXXX statements dated on the XXXX of each month have continued to show an amount of {$150.00} due. As of today ( XX/XX/2022 ) my dispute has not been resolved. Commenity 's collection department continues to call wanting me to pay the full {$150.00}. I have continued to pay {$87.00} per month. for the months of XXXX, XXXX and XXXX. I have not been able to get them to resolve the dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX - XXXX XXXX - XX/XX/XXXX - XXXXXXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX i do not recoginize these offending claims remove off of my report. 
Called transunion and requested they up hold yo their responsibility to ensure that creditors demonstrate clear permissible purposes in accordance to fair credit reportin act before releasing a consumers report.
Product: Credit reporting or other personal consumer reports

Inquiry on Credit Report XXXX has not been removed after Capital One contacted me on XXXX and I confirmed it was not me who applied for credit. Was verified it was identity theft/fraud. XXXX advised it would take 60 days for Inquiry to be removed. Contacted Capital One on XXXX to inquire why it was not removed told it could take up to 90 days. Contacted Capital One again XXXX was told will expedite within 15 days. Contacted Capital One once again on XXXX XXXX from Dispute Escalation dept. stated would send message to last Fraud manager working case to address immediately and to wait 5 days. Later on XXXX received call from XXXX from Fraud & Dispute Resolution advised inquiry would be taken off on next cycle to CRA 's on XXXX. Contacted Capital One on XXXX manager XXXX now says I must send in a detailed letter explaining the situation. Again on XXXX manager XXXX stated same as last agent to send in detailed letter. I submitted previous complaint about this situation and reply was that agent showed it was taken care of and inquiry was removed. To this date XXXX inquiry has not been removed. XXXX advised for me to get letter stating it was Fraud from Capital One and they would remove it. Capital One refuses to give such a thing.