23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

You can not dispute a problem on Line unless you agree to their '' term and Conditions '' This means you Accept their investigations, which do not exist and any response from the companies as '' certification '' s always accepted by the Credit reporting agencies ( the big three ) You can not invoke all rights and none waived ever. I tried to put this in my consumer statements. removed by them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts are required to report with100 % accuracy. The payment history on Experian records reflect multiple consistencies Ive include video below not to mention that each time I reach out and complain about this account the agency chastises me and reports it as chargeoff how can a closed account report as charge off Im requesting removal of this account for the violation. Not to mention. I never had a {$1900.00} credit limit this has been rigged
Product: Mortgage

About XX/XX/XXXX, my loan was " sold '' to Selene Finance by XXXX XXXX XXXX. At the time I began working with Selene to obtain a needed modification as I was unemployed and then return to work making less than before. Selene offered me a forbearance agreement that would result in a loan mod. The terms were a six-month trial payment plan which I agreed to along with their requirement for me to make my first payment via money order and the rest by ATF draft. The ATF draft form was sent to me along with the agreement package, pre-filled with my name, address, draft amount, etc. All I had to do was fill in my bank information, sign it and send it back with the other papers. Selene received the package and cashed the money order, but never started drafting the money out of my account. When they finally contacted me about my payments, they claimed the ATF form was not received. Then after further conversations and me submitting a copy of the signed form, they admitted that the form was in my file, however, the form was invalid because based on my particular agreement I never should have received an ATF form in the first place. I asked how was I supposed to know that since they sent me the form pre-filled. I argued I should n't be penalized for something that clearly was not my mistake, but to Selene it did n't matter and that I was now in default of the agreement. I sought help through a mortgage counselor who witnessed the difficulty and inconsistency in Selene 's communications. The counselor referred me on to an attorney. My only goal was to have Selene honor the original agreement as I feel they had no right to put me in default over their mismanagement. Now in XX/XX/XXXX, after all the attorneys and the back and forth, Selene offered me another forbearance agreement that was clearly a set-up for failure. The terms are vague with no guarantee of resolution to a modified mortgage. If I had signed, it would have been a no-win situation. I would have been at the mercy of Selene and still with the threat of foreclosure over my head which they made very clear was still on the table. So after several years of fighting this, this is where I am with seemingly very little recourse. Lastly, I learned through all this that Selene is a mortgage servicer. Another entity actually owns my mortgage.
Product: Credit reporting or other personal consumer reports

I am writing in response to the recent statements I have received from your agency regarding a debt allegedly owed to [ XXXX 's XXXX ]. I am disputing the validity of this debt and request that you cease all communication with me in accordance with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ). 

Firstly, I would like to bring to your attention the case of XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in which it was determined that mere statements are not sufficient evidence of a debt. Therefore, I am requesting that you refrain from sending any further statements as they do not provide adequate validation of the alleged debt.

Furthermore, I would like to clarify that a cease and desist letter not only prohibits further communication, but it also implies the removal of any mention of this debt from my consumer report. As defined by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681a, communication includes the reporting of information to consumer reporting agencies. Therefore, I expect that upon receipt of this letter, any negative information related to this alleged debt will be promptly deleted from my consumer report.

In the event that your agency fails to comply with my request and continues to harass and abuse me through improper communication, I want to make it clear that I am prepared to take legal action to protect my rights. Pursuant to the FDCPA, I may be entitled to actual damages, statutory damages, and attorney 's fees. Enclosed is an itemized list detailing the potential costs involved in pursuing litigation for harassment and abuse. 

XXXX. Actual Damages : - Cost of legal representation : XXXX XXXX - Loss of productivity and time : XXXX XXXX XXXX Emotional distress and inconvenience XXXX XXXX XXXX XXXX Statutory Damages : - XXXX violation of the FDCPA : {$1000.00} XXXX. Attorney 's Fees : - Cost of attorney 's services for litigation XXXX XXXX XXXX XXXXlease be advised that this letter is not an admission of any liability on my part regarding the alleged debt. However, I expect your agency to comply with all applicable laws and regulations, including the FDCPA and FCRA. 

I kindly request that you acknowledge receipt of this letter within 30 days and confirm in writing that all communication related to this alleged debt has ceased, and any negative information has been deleted from my consumer report. 

Failure to comply with this request XXXX result in further legal action being pursued against your agency. I trust that we can resolve this matter amicably and avoid any unnecessary escalation. 

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this numerous times certified to credit reporting agencies. I have also tried calling any numbers linked to account and it it like they have disappeared. States it is from California a payday loan. I love in Arizona. Have not had this account verified.
Product: Consumer Loan

I went into XXXX XXXX of XXXX 3 years ago to buy a car. I told them I did n't want a leased car I did n't need XXXX my credit was exceptional. I am elderly and can not see very well out of XXXX eye and I did not see that the contract was for a leased car and the salesman kept covering up the paperwork. So I tried for 3 years to get out of the contract and I went to another car dealer XXXX XXXX and they said they could get me out the lease and before I knew it they stuck me in another car. They told me that they could n't bring the leased car on their lot and I had to sell it in XXXX 's parking lot in XXXX, Idaho or in my driveway. The salesman said he could sell it in XXXX 's parking or in my driveway and could get me some extra money then he said he would take it back. His name was XXXX and he was a floater ( whatever that means ). Then he said he was bringing people to my house to look at the car and then he later told me the people bought a car at XXXX XXXX instead. Then I found out I was being charged insurance for XXXX cars because they were XXXX in my name. I took the car back to XXXX XXXX in XXXX 2015 and returned it and I did not make the last XXXX payments because they had the car. The car was in excellent shape when I returned the car with XXXX miles on it and now Ford Credit says I owe {$870.00} for repairs to the car mats and damage to the car. I am a XXXX living on a fixed income and was not able to pay it. They started sending me threatening letters and said they would zero out my credit. I feel that I was taken advantage of from the beginning I told them I did not want a leased car. My daughter had to pay the money because they were threatening to put a lien on my house and I have a reverse mortgage and I can not have liens on it or I will loose my house. I am finding out from other elderly people they have been treated the same way by these car dealerships and we have no voice. I have complained to the XXXX and they could n't do anything. I also filled out paperwork and sent it to the Idaho XXXX about XXXX weeks ago and have not received a reply yet. I called them and they did n't seem to care about my situation.
Product: Credit reporting or other personal consumer reports

I request the immediate removal and blocking of unauthorized accounts from my credit report. These accounts were not initiated or approved by me, and I have no information regarding their source. As per XXXX XXXX, I formally ask for their removal within 15 days. Please find the enclosed documents for your reference.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts has Violated my federally protected Consumer rights to privacy and Confidentiality under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

My mortgage service transferred on XX/XX/XXXX from Plaza Home Mortgage XXXX XXXX # XXXX ) to XXXX XXXX Mortgage XXXX XXXX # XXXX ). 

Upon review of the transfer, I became aware that Plaza Home Mortgage had placed lender based insurance on my property and charging my escrow account {$1900.00} I provided proof of insurance to both mortgage servicing companies on XX/XX/XXXX. 

On XX/XX/XXXX, I called Plaza Home Mortgage and was told that Check # XXXX was written on XX/XX/XXXX and mailed on XX/XX/XXXX, and that I should see it deposited in my escrow within 30 days after approval. 

On XX/XX/XXXX, at the 30 day mark, the funds were not deposited. Having both companies on the phone simultaneously, I was told it should actually take 4-6 weeks after approval, and to check then. 

On XX/XX/XXXX, after the 6 week mark, the funds were not deposited. Having both companies on the phone again, I was told they will look into it and could take up to15 more days. They also stated that they would 'expedite ' the issue and should have results sooner. 

I have asked on XXXX, XX/XX/XXXX, and XX/XX/XXXX for a letter/email, but still have not received any documentation corroborating their statements. 

The mortgage transfer has now passed the 90 day window that companies are legally required to complete transfer and the escrow money is still missing. 

I have spent almost 10 hours over the last 3 months dealing with this problem with no resolve.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding XXXX 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using XXXX numerous times and reporting discrepancies, my financial institution and XXXX failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that XXXX has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. 
This lack of accountability and transparency is unacceptable and raises concerns about consumer safety
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c- 2 ), the Credit Bureaus are required to remove any items or information not later than 4 business days. I request an investigation and remove these items that appears in my credit report. Listed below are the items that i wanted to removed : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

A fraudulent account from XXXX/XXXX, XXXX CREDIT CARD is reporting on my credit. I never opened this account. Ive contacted both the creditor and credit bureaus providing ; FTC report and police report. Both creditor and bureaus are refusing to update and remove this fraudulent account from my credit report.
Product: Payday loan, title loan, or personal loan

I took out a loan with Inbox loans awhile back and it 's getting harder for me to pay back the loan on a weekly basis I have XXXX kids and a wife we are barely makIng it and struggling to buy food for home, we do n't meet the criteria for food stamps according to them I make too much ( they base it off of my gross as to which I do n't bring that home ) for XXXX loan we did n't think we would get hit with XXXX interest. As we speak my rent is due and car Payment and looks like we will in the negative when we do these not to mention next week inbox loans will be deducting there XXXX again. Also I ca n't access my schedule payments list or log into inbox loans to see my agreement either. It asks for email and last 4 of social security number and I keep entering it but not see either the contract nor my payment deduction schedule. I used my wife 's email as I do n't remember my log in crediantals
Product: Debt collection

Company failed to provide information as to where the debt originally came from in writing. Continuous phone calls through out the day.
Product: Credit reporting or other personal consumer reports

My personal information was compromised in the Equifax data breach, which occurred in XXXX As a result, my credit report contains multiple inaccuracies and fraudulent accounts that were opened without my authorization. 
I have reviewed my credit report and have identified several items that are not mine. These inaccuracies are directly linked to the data breach, and I am requesting that they be removed from my credit report. 
Inquiries XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1100.00} XXXX. XXXXXXXX XXXX {$460.00} XXXXXXXX XXXX {$790.00} Credit Cards XXXX XXXX {$31000.00} XXXXXXXX XXXX XXXX {$2300.00} XXXX XXXX XXXX {$260.00} XXXXXXXX XXXX XXXXXXXX {$0.00} XXXX XXXX {$1100.00}
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1681 c -2 a consumer reporting agency shall block the reporting off any information in my file of a consumer identifies as information that resulted from an alleged identify theft not later than 4 business days after the dates receipt I HAVE ATTACHED MY FTC REPORT TO THIS COMPlAINT TO PREVENT FURTHER STALL TACTICS FROM. ****** this is so unlawful ****
Product: Mortgage

My credit report shows a couple past paid off Chase mortgage accounts as not being closed. I would like those to be updated to properly reflect the payoffs. Thank you.
Product: Money transfer, virtual currency, or money service

I am getting e-mails from Chime.com regarding updates to privacy notices as if I was a costumer. I HAVE NEVER SIGNED UP WITH THIS COMPANY NOR HEARD OF THEM until I started to get e-mails.
Product: Checking or savings account

I made a hotel reservation through XXXX for XXXX XXXX and paid {$210.00} for the room in advance. On the XXXX at XXXX while I was asleep and in a hotel, someone made a reservation on my card. I was already in a hotel and did not need a room. I called XXXX and asked them and they had no record of me calling them. But the charge was on my card. Chime took not even XXXX to deny my claim. When I asked for proof of investigation, they sent me an email with the words XXXX and some numbers. Thats it. I did a rebuttal and each time they are supposed to deposit my provisional credit, they hurry and deny with no proof of why.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX credit bureau is required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : DPT EDXXXX XXXX, DPT EDXXXX XXXX XXXX DPT EDXXXX XXXX and XXXX  XXXX
Product: Checking or savings account

I had a Bank of America employee do a wire transfer from my checking account to another bank for XXXX to buy a truck from XXXX. That night I realized it was a fake website and not XXXX. I called BofA to cancel the transfer due to fraud. I was told I had to wait until the transaction posted. I waited a couple days. When it posted I called and BofA and was told it could take as much as 60 days for the money to be back in my account. The initial transaction was approximately XX/XX/XXXX. Since then I was told they contacted the other bank and we had to wait now. Ive called a few times and was told the same. I dont thing BofA XXXX trying very hard to get my money back.
Product: Money transfer, virtual currency, or money service

I sold XXXX for XXXX they only deposited XXXX into my account.
Product: Credit card or prepaid card

On XX/XX/XXXX, my Chase Sapphire Reserve was fraudulently used in a series of transactions at a handful of online vendors including XXXX ( 6 transactions for a cumulative {$450.00} ) as well as XXXX XXXX XXXX XXXX ( one transaction for {$190.00} ) and a charge with XXXX  ( {$350.00} ). Cumulative fraudulent charges were {$990.00}. Chase notified me of the fraudulent XXXX 's charge and over the phone, I identified the series of transactions that were not my own. I was issued a new card and charges were removed from my account. 

On XX/XX/XXXX, Chase mailed a letter to me indicating their fraud department investigated the charges and concluded the {$450.00} of charges at XXXX were my own responsibility and restated the charges on my account. 

Over the course of the next couple of months, I repeatedly called Chase to dispute these charges. With COVID-19, most call centers were down and I was often taken in circles. On XX/XX/XXXX, I received another letter stating Chase was maintaining their position that the charges were valid and my responsibility. Please note, no background detail was provided as to why they found these charges my responsibility. 

Finally after another series of phone calls, a representative instructed me that the reasoning for Chase to restate the charges was because I had shopped at XXXX previously. I was instructed to fax a copy of my online XXXX history as proof that I had not shopped at XXXX on XX/XX/XXXX. On XX/XX/XXXX, I faxed my online XXXX shopping history, which proved I had not purchased anything on XXXX since XX/XX/XXXX. 

On XX/XX/XXXX, they credited me {$12.00} of the total {$450.00} due to immateriality. After not hearing from Chase, I received a letter dated XX/XX/XXXX, stating that they reviewed and confirmed the fraudulent {$450.00} charges were my responsibility, would remain on my account, and the fraud claim was now closed. 

Overall, I found the lack of guidance and ability to provide personal customer service by representatives to be severely inadequate. I was never able to speak to the personnel reviewing the claim, nor was I able to receive a valid explanation as to why the fraudulent charges on my account were deemed my own responsibility. I was a victim of fraud and Chase failed to protect me as their customer. I found the entire process disheartening and devoid of rationale.
Product: Credit reporting or other personal consumer reports

Describe el problema I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX XXXX XXXXXXXX XXXX : number : XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Product: Debt collection

Lvnv Funding garnished over {$10000.00} on a debt that was aged out in Washington state and that had gone through a mediation that had a class action lawsuit against and the mediation was thrown out. They sent out a number of threatening letters that appeared as official documents. The company sent out lawsuit paperwork that appeared as more of the bullying attempts and did not bear official seals of filing. Then without any further notice stole the money out of my account without warning.
Product: Mortgage

I had XXXX XXXX events that caused financial XXXX and the cause for me to fall behind on my mortgage payments. I had to take care of a sick relative who moved in with me because of their illness. Her health XXXX and she died. The financial burden of her healthcare and burial put me in a difficult financial position. Shortly after her death, I faced health issues of my own where I had to be XXXX. This further complicated my financial situation. I asked for a loan modification and while I was in XXXX, I missed the acceptance time. I re-applied but my modification was denied. Fortunately, my health has recovered and I am now able to maintain a mortgage payment if allowed.
Product: Vehicle loan or lease

On  XXXX   XXXX ,  2016,  I purchased/financed a vehicle with Kia  XXXX   XXXX   XXXX . During sell I was informed by in-house finance manager that I would be given 90 day deferred payment. Unfortunately, this has caused problems to date. My car was repossessed but I was able to retrieve car back but informed that I had to pay past due balances and fees. I should never had past due balance as I was supposed to have the 90 day deferment that was offered during original sale. I have attempted to dispute but have been unsuccessful. I should not be responsible for late fees, repo fees, or any additional fees. I need help to rectify this ongoing lengthy issue that I have already expressed to finance company customer service. Issue unresolved to date.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX Amount XXXX XXXX. XXXX These loans have been in consilidation but showing close on credit reports. I would like for the item to be removed.

15 US CODE 1692 ( C ) If a consumer notifies a dept collector in writing that consumer refuses to pay a dept or that the consumer wishes the dept collector to cease further communication with the consumer, the dept collector shall not communicate further with the consumer with respect to dept.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed accounts on my credit reports that were not mine. And the credit bureaus will not accept my dispute. These are the accounts they will not remove : 1 ) XXXX XXXXXX/XX/XXXXXXXX XXXX {$300.00} Charge off accounts 2 ) XX/XX/XXXX{$300.00} charge off account 3 ) FED LOAN SERV {$33000.00} late payment account 4 ) XX/XX/XXXXXXXX XXXX XXXX {$520.00} charge - off account 5 ) XX/XX/XXXXXXXX XXXX {$260.00} charge-off account 6 ) XX/XX/XXXX {$910.00} collection account