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

I took out a installment loan with One Main Financial in the amount of {$1200.00} on XX/XX/XXXX. During the XXXX XXXX pandemic I experienced limited work hours and fell behind on the monthly payments. I made every effort to resolve past due amounts. One Main Financial didn't offer any assistance to resolve past due payments. My last payment was made on XX/XX/XXXX. Unable to make payments the account grew increasingly past due and was charged off. In XX/XX/XXXX I contacted One Main Financial XXXX time on different occasions to discuss what could be done about the account. I was told there weren't any payment options available and my only choice was to pay the past due balance. In XX/XX/XXXX I was notified that my account had been charged off. I have tried to contact One Main Financial get information on collections but have been unable to get contact information. On XX/XX/XXXX, I learned that XXXX XXXX had filed a lawsuit for warrant of debt. I have contacted XXXX XXXX twice to discuss a settlement arrangement and they have declined.
Product: Checking or savings account

On XX/XX/XXXX I logged on my online banking and saw a lot of fraudulent charges, I contacted the Wells Fargo branch to notify them. During the phone call, the bank teller stated " the branch manager is out at lunch ''. I then requested a full print out of my account and the teller stated she would pass the message and have the branch manager call me back. 

He never called me back. I called for 7 days in a row. He still was always unavailable and he never called back. XX/XX/XXXX - I was notified via email that my account was closed. 

This has been extremely stressful. I lost my apartment, I lost my car. After the fact, they still refused to give me a print out of my bank statements. I banked at Wells Fargo because I trusted them, they are there to take your money but when I report fraudulent / unothorized transactions or try to get help with fraudulent and unothorized transactions they close my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

XXXX XXXX XXXX Not sure what they are looking for but I am tired of being bothered day in and day out every day being harassed with phone calls.
Product: Debt collection

I have previously filed dispute for the following items as I have no knowledge of these debts. 

XXXX XXXX for {$360.00} Not my account, received no correspondence validating this, as well as how it was validate, with whom, the amounts supposedly validated or the dates of such charges. 

LANIER COLLECTION AGENCY for {$210.00} Not my account, received no correspondence validating this, as well as how it was validate, with whom, the amounts supposedly validated or the dates of such charges. 

LANIER COLLECTION AGENCY for {$71.00} Not my account, received no correspondence validating this, as well as how it was validate, with whom, the amounts supposedly validated or the dates of such charges. 

LANIER COLLECTION AGENCY for {$86.00} Not my account, received no correspondence validating this, as well as how it was validate, with whom, the amounts supposedly validated or the dates of such charges. 

LANIER COLLECTION AGENCY for {$170.00} Not my account, received no correspondence validating this, as well as how it was validate, with whom, the amounts supposedly validated or the dates of such charges. 

I have never received correspondence from either of these companies detailing or validating the debt, that this debt is mine, whom it was validated with, the dates validated, dates of each charge ( s ), supposed amounts owed, or documentation with my signature showing this debt. Instead each of these companies have placed negative inaccurate information on my credit in violation of the FCRA.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an account listed on my credit report by XXXX XXXX XXXX  XXXX XXXX. The account details are as follows : XXXX XXXX XXXX XXXX  XXXX I have never engaged in any business with XXXX XXXX XXXX XXXX XXXX and have no contract with this third-party debt collector. Additionally, I was never notified in writing about this debt. If any such notification was sent, please provide evidence of this communication before this account was added to my consumer report without my consent. The presence of this account violates the Fair Debt Collection Practices Act ( FDCPA ). If this account is not removed from my consumer report, I will pursue legal action to protect my rights as a federally protected consumer. 

Furthermore, the account balance listed on my report shows discrepancies. The current balance differs from the original balance, which raises questions about the accuracy and completeness of the information. 

I also question the presence of payment terms listed as " XXXX  month '' on this collection account. This is contradictory, as collection accounts should not have such terms. Additionally, the status " COLLECTION ACCOUNT, past due '' is misleading since I have never opened an account with XXXX XXXX XXXX XXXX  XXXX. 

Please remove and delete this account from my consumer report immediately. There is also a date indicating when the account was supposedly opened, but I have never opened any account with XXXX XXXX XXXX XXXX XXXX. If you claim otherwise, provide evidence supporting your right to report this information.
Product: Mortgage

I recently submitted a complaint to CFPB on XX/XX/XXXX since I was given a loan modification by Ocwen Loan Servicing Company ( Complaint No. XXXX ). Therefore, since I was granted a loan modification and accepted the Streamline Trial Period Modification I was reassured once again by the Relationship Manager XXXX XXXX XXXX that the foreclosure case would not proceed. Please keep in mind that this foreclosure action was dismissed in XX/XX/XXXX and signed by the XXXX Supreme Court Judge XXXX XXXX on XX/XX/XXXX ( Index No. XXXX ). However, on XX/XX/XXXX the attorneys for XXXX XXXX XXXX and XXXX did not remove their motion to restore this foreclosure case even though a Consumer Financial Protection Bureau XXXX HOLD '' applies to this action. The attorneys for Ocwen wrote a letter to The Honorable XXXX XXXX of XXXX Supreme Court on XX/XX/2018 informing him of the CFPB " HOLD '' applies on this case, and it was XXXX -filed on XX/XX/2018. I Quote the letter by Attorney XXXX XXXX " We have been advised by Plaintiff, through its servicer, that an active Consumer Financial Protection Bureau ( hereinafter " CFPB " ) hold applies to the Action based on loss mitigation activity. The subject hold takes into consideration any appeals, as stated in 12 CFR Section 1024, which may be taken by the borrower. '' " In pertinent part, the CFPB rules amended Regulation X which implemented the Real Estate Settlement Procedure Act ( " RESPA '' ). The CFPB rules prevent " dual tracking '' where a servicer is simultaneously evaluating a consumer for a loan modification or other alternatives at the same time it prepares to foreclose on the subject property. See 12 CFR Section 1024. '' " Accordingly, Plaintiff respectfully requests that the pending motion practice is held in abeyance while the matter remains on a CFPB hold. We thank the Court for its time and understanding '' ( END QUOTE ).

When I spoke to Miss XXXX my relationship manager at Ocwen today XX/XX/XXXX she told me that their was a foreclose hold on this case, but when she emailed me today she stated that there was a foreclosure sale hold on my case. Please keep in mind that this action was dismissed and not restored, and there is currently a motion pending to restore this case. However, since I accepted a Streamline Trial Period Modification their motion to restore must be removed, immediately. Ocwen is violating RESPA Regulation X. Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Repprting act. 
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 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 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.
Product: Credit reporting or other personal consumer reports

Dear XXXX Card Services, I am requesting a review and action regarding the information reported on my XXXX credit card account ( Account Number : XXXX ). 

I wish to express my desire that the information on this account not be included or continue to be reported to the credit agencies, specifically due to a temporary financial hardship. I am taking steps to address this financial difficulty and avoid any negative impact on my credit score, and I would appreciate your support in this effort. 

Thank you for your understanding and consideration. I hope that you can process this request in the interest of maintaining a positive relationship. Please let me know if you require any additional information. 

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

The accounts and the balance reflected on the accounts are not mine. Credit Bureaus are misrepresenting that I owe this debt and yet they could not substantiate its representation. Please remove the following accounts XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX ( Original Creditor : 11 XXXX  XXXX XXXX ) XXXX, XXXX XXXX, XXXX XXXX XXXX
Product: Debt collection

Previously a victim of identity theft, as a result account with Discover Financial Services was opened. Contacted company via phone and provided statement regarding this twice and disputed it with the credit bureau 's already as fraudulent. Yet, Discover is still pursuing this.
Product: Mortgage

XXXX XXXX XXXX approached us to offer a loan to help us catch up with things after we purchased our home we saved for 10 years to buy in XXXX. 

They had my wife sign a Power of Attorney and said they could help manage her intellectual property business. They had access about about $ XXXX. They offered a loan to help us catch up on expenses paid when purchasing XXXX XXXX XXXX and XXXX XXXX XXXX and for building a home there per the developers home buyer 's program.

We discovered they do not and did not have a lenders license. They had access to our funds and promised different terms on the loan than what we signed. After they paid themselves 6 points on the loan plus costs. They said default rate was 18 % and late fee 10 % per month. Balloon payment impossible to pay of $ XXXX after 12.5 months. They did not give us escrow documents. They since filed an unlawful detainer during COVID even though we have title to our home and owe them nothing. We discovered the attorney for XXXX is friends with XXXX XXXX XXXX ( whoi changed our FHA loan on our primary residence to a commercial line of credit without us signing anything? This is so crazy we should speak on the phone. We were evicted from our home of almost a decade on XX/XX/2021 XXXX County sheriffs would not look at our paperwork and the commissioner gave possession of our home to XXXX XXXX XXXX XXXX XXXX XXXX ( we can only find info on this person in an SEC ban ) we have never met him, a Delaware company XXXX XXXX doing business in California, but suspended at the time of the Summary Possession Judgement and 8 % to XXXX XXXX XXXX which is actually a fund that has a XXXX  described by XXXX XXXX, loan managed by FCI Servicing ( suspended in California ) and XXXX  XXXX XXXX. They always foreclose and always give the property to the fund manager. ( XXXX and many others ) They also go as XXXX XXXX XXXX and XXXX XXXX XXXX and XXXX XXXX  XXXX XXXX and more. If someone ever would bid on the predatory planned foreclosure sale, they keep the equity and do not even give that to the homeowner. XXXX XXXX XXXX was involved in XXXX foreclosures. XXXX County Commissioner XXXX is part of the fraud or ignorant and XXXX County Civil Sheriffs searched our home without a warrant. The same day my XXXX  year old dog died and XXXX  days before my birthday. We left in my XXXX year old yoga guru 's XXXX  year old XXXX  with my dog 's lifeless body. It was the worst day of my life. Our home looked perfect and we have been trying to be heard in court. But it is so difficult and sheriffs are on the lawyer 's side. We had been in hotels for a month, and kept thinking this had top be a misunderstanding. But the attorney for XXXX now represents the lot developer and took that back too, even though we paid all payments and had approved plans. So much more to tell. Please call of email. I can upload all of the documents.
Product: Checking or savings account

My bank called, needless to say it was not my bank.They said someone was trying to use XXXX to get my money and they had to close them and I did what they said. So they got my money. {$3500.00}. I've never have used anything like this.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, i sent a requests to XXXX  and Transunion to have them investigate several inquiries that are listed on my credit report. My request was made because there are several inquiries that simply are not inquiries that I initiated, I requested as per the Fair Credit Reporting Act Section 604 ( a ) ( 3 ) ( a ), asking that they send me an application with my name on it in it's original form proving that I was indeed the one who initiated these request. On XX/XX/XXXX, I received correspondence from XXXX stating " inquiries are factual record of file access '' and each inquiry remains on my report. Upon calling XXXX on XX/XX/2018, the representative stated that he would not help me and that I had to try and have them removed on my own. I called Transunion on XX/XX/2018 and ironically was told by their representative the same thing using the exact same wording, I had also written XXXX asking for the exact same thing and they complied and removed every single inquiry that was listed because there was no proof they could produce that shows I initiated any one of those requests. Therefore, I am asking that you look into XXXX and why they would they me they could not remove something, that's clearly erroneous, from my report that they continue to report causing my credit score to drop and causing financial harm to me and my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus on XX/XX/2022 to update this suspicious account. I think they have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # s XXXX, XXXX, XXXX and I'm including it again. Please check payment history, date open, last activity and Status of XXXX XXXX  XXXX i believe it was reporting in error.
Product: Credit reporting or other personal consumer reports

This is my 8th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX, XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$400.00} XXXX XXXX XX/XX/XXXX
Product: Credit card

I was double charged for {$150.00} in XXXX or XXXX XXXX on the Www.macys.com with my Macy 's card. I bought a dress and then noticed I was double charged and the same dress was mailed to some random address in West Virginia or somewhere. I have called Macy 's at Least 8 times in as many months and I have been charged interest, refunded interest charged a late fee, refunded the fee. I am at my wits end. It is still on my account as a disputed charge as of XXXX/XXXX/XXXX! I have written letters, and now I am turning to you
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XX/XX/XXXX I sent Transunion a letter disputing the XXXX Bank XXXX mortgage account they are reporting on my credit report. I did not get a response. I sent a follow up letter on XX/XX/XXXX. They responded with a letter on XX/XX/XXXX saying they had completed their investigation and this account was verified through XXXX Bank. I disagreed with their report and sent another letter on XX/XX/XXXX, I sent a factual dispute showing the inconsistencies I have found which proves the account was never properly verified. I was sent back a letter showing the account was deleted on XX/XX/XXXX. I then received another letter on XX/XX/XXXX with a credit report stating that this account was verified through XXXX bank and was added back to my account. This account shows the first delinquent payment in the payment history as of XX/XX/XXXX. The account was never brought current again. However, in the information area it shows the date of first delinquency as XX/XX/XXXX. How is that possible when there are XXXX payments prior to XX/XX/XXXX that were delinquent? Frustrated, I emailed the CEO of XXXX Bank and Transunion on XX/XX/XXXX and did not receive a response. I called XXXX Bank on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and no one was able to help. I kept getting redirected and told that XXXX Bank has no information because the account is not current and is so old. Nothing had been done to correct this account, even with proof. After a few months I decided to check and see if the inconsistencies had been updated. I pulled my credit report XX/XX/XXXX to see if the inconsistencies still remain. They are still there. This report shows my first 30 day late payment was XX/XX/XXXX but shows the first delinquency as XX/XX/XXXX. How is this still possible? I called into Transunion today to question the inconsistencies and the rep stated that he did see the inconsistencies but there was nothing he could do as XXXX Bank has verified the account. I am completely appalled that this credit bureau would allow such an injustice to continue to happen.
Product: Credit card or prepaid card

We spoke with Chase when they closed the account. My husband has been a very long time loyal customer to Chase. He always made on-time payments. We were shocked they closed the account. We fought with them about this matter and explained the impact he had with no over time at his work anymore wish was a financial burden but also for health reason he had to take a lower paying hourly job as well. We also were hit with the Pandemic. We have tried to work with Chase in regards to closing the account but couldn't get anywhere. We have tried to work with them on payment arrangements but they won't speak to my wife on my behalf to set them up. We also feel that since they took away our credit privilege 's ( closed account ) without notice or for no reason we have chosen to not make payments until this issue is resolved. For someone who has been a valued customer without any issues to the account until the last few years this is wrong. There is no reason to treat a valued customer like this. We have also written a letter to have a file with them for my wife to speak on my behave to find that there is no letter and they will not allow collections to speak with her. We have also called them to be hung up on and to listen to the rep hold the phone without saying anything while caring for children.