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

Theres a XXXX XXXX account on my credit that I did not open. Ive never had XXXX XXXX. Someone stole my information and had phone lines opened in my name and Im blaming XXXX for not checking identification. I had mail sent to my address regarding the lines so I emailed the company to tell them that was not me that opened the account and they never got back to me. Now I have an account I am not responsible for on my credit report because XXXX XXXX is reckless and do not ask for proper identification.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE INFORMATION LISTED DOES NOT BELONG TO ME SOMEONE USED MY INFORMATION TO OPEN FRAUDULENT ACCOUNTS IN MY NAME THAT I DID NOT APPROVE ... THE APARTMENT LISTED AND TH CABLE BILL AND CELL PHONE ACCOUNT ARE FRAUDULENT ACCOUNTS I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit card or prepaid card

Hello, I noticed two fraudulent transactions on my credit card the morning of XX/XX/XXXX - one from XXXX for {$380.00} and one from XXXX. I immediately called the customer service line to report the transaction. They opened an investigation for both transactions and closed my account. 

On the phone I told them that the person who used my credit card also used my email to file the order for XXXX and that if they recommended it I could just cancel my order from XXXX. They said I should do that so I ended up canceling that order. The XXXX order however I could not cancel. 

A couple days later the XXXX order showed up at my door. I immediately called their customer service line, explained the situation and they asked that I return the item to my XXXX  store. I informed them that I did not have the receipt but they told me that I should return the item and XXXX should know what to do. They told me that I should send them the proof at a PO Box address. When I went to XXXX, the manager was not sure how to best handle the situation. He just took the item back and gave me a piece of paper with his & someone who worked in Loss prevention as well as stating that I returned the item with his signature. He also refunded me {$5.00} since he could not do a {$0.00} refund. I mailed them all the proof and figured that would be the end of the situation but it wasn't. 

A few weeks later I get a letter in the mail saying my claim has been rejected since the " item was delivered to my address ''. I called customer service again and explained the situation. They reopened an investigation to come to the same conclusion. 

It has been months since the fraudulent transaction and they refuse to look at their call records or coordinate with other internal teams. I am now stuck paying almost {$400.00} for a TV I never bought and don't even have. After years of being a customer this has caused me to look elsewhere and begin the process of canceling my credit card.
Product: Debt collection

These are computer generated phone calls at least XXXX times a day even on saturdat.they leave me a message and have my last name spelled wrong.so then they say they are a consumer credit counseling co.and someone is trying to sue you.but when i called their number they answer as portfolio credit collection agency lying about who they are.i am on social security XXXX and are being treated by a XXXX from the veterens adm.for XXXX XXXX and the constant phone calls are making it difficult to get better
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Credit reporting or other personal consumer reports

I have been affected by the data breach. Per 15 USC 1681 c-2 states except as otherwise provided in this section a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft. Please remove the following accounts from my credit report : Account Name : XXXX XXXX  Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Unknown inquiry on my credit reports from Ally Bank XXXX/XXXX/XXXX ... I have NOT authorized verbally, physically, or electronically any application, nor requested credit, or any account by this organization! Nor do I know who they are. Also, I have a identity theft report filed with my local police department.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.
Product: Mortgage

As the heir of our late mother, I am facing significant issues with the handling of her mortgage, specifically : Ongoing Sending of Confidential Mortgage Statements and Foreclosure Notices : Despite our mothers passingXXXX XXXX XXXX XXXX XXXXXXXX and Selene LLC continue to send confidential mortgage statements and foreclosure notices addressed both to the deceased and the heirs. This practice is not only distressing but also a breach of confidentiality. A representative has repeatedly called and spoken with Heir # 2 but refused to discuss the mortgage details, despite sending letters to Heir # 2 containing confidential information about the deceaseds mortgage. Additionally, both Heir # 1 and Heir # 2 have been contacted by the mortgage companies about the mortgage, only for the representatives to claim they can not discuss it further. 

Refusal to Facilitate a Short Sale : We, as the heirs, have tried to negotiate a short sale of the property to alleviate the financial burden, but XXXX XXXX XXXX XXXX XXXX and Selene LLC have refused to consider this option, adding to our financial and emotional distress. 

Misrepresentation Regarding Documents Received : I have provided XXXX XXXX XXXX Inc. and Selene LLC with our mothers will, deeds in the heirs ' names, and death certificates for both parents. However, they have repeatedly claimed not to have received these documents, causing delays and complications that have spanned at least five years, severely affecting my peace of mind. 

Foreclosure Notice and Mortgage Sale : We were informed the mortgage was entering foreclosure this XXXX, yet formal foreclosure papers only arrived this week. Furthermore, the mortgage was subsequently sold to another company without adequate notice or regard for our existing efforts to resolve this issue. We, as the heirs, have made multiple attempts to address this situation, yet the companies continue to avoid engaging with us despite the deeds being recorded in our names. Both XXXX XXXX and Selene LLC locked us out of the home and has destroyed the home with damages. Both companies have been sending statements of cutting the grass and other charges. 

We have requested the original loan documents, as the initial purchase price was {$130000.00}, while the current amount required to stop foreclosure has escalated to {$280000.00}, which raises serious legal concerns. XXXX XXXX did not share any documents concerning the matter with Selene according to their representatives. XXXX XXXX called after XXXXXXXX XXXX one night and realized that they should not be talking to said heir. We urgently need assistance in addressing the issue.
Product: Payday loan, title loan, or personal loan

I initially borrowed {$680.00}. After the 90  period my balance was {$280.00}. Finance fees were then added bringing my balance to over {$500.00}. Over the next several months, I have continued to incur " finance fees '' on my balance which already includes finance fees. The finance fees are almost equal to my payment, so the balance has remained initially the same. The finance fees on top of finance fees appear to be " double dipping '' and not authorized. Furthermore, the website does not allow you to see your payments or balance like most companies. You have to call and ask them to send you the information. When I did that I received the attached document which displays inconsistencies, so the true nature of my loan is unknown.The print-out does not have my name or account number anywhere on it, so I do not even know if it belongs to me.
Product: Mortgage

My last statement from Ocwen Bank is dated XXXX XXXX,2015. Today is XXXX XXXX, 2015. When I called them today I was told, because of 'technical problems ', statements were not sent out in XXXX or XXXX but payments are to be made anyway. If payments are delinquent or late there will be fees levied against the 'offenders ''. Since Ocwen is a debt collector I am concerned they will use this as an excuse to foreclose on some home owners. I personally know someone who has just received a loan modification, his acceptance of the new agreement is shown by his next payment. I am concerned they will use this as an excuse to negate their agreement. Not everyone would catch this behavior. 
If this really was a 'technical problem ' then there should be a grace period for those affected by it. 
This is the XXXX time in as many years that Ocwen has not sent me a statement. Please check up on Ocwen to see how many people this 'technical problem ' has harmed and how much money in fees this 'technical problem ' has netted Ocwen.
Product: Checking or savings account

Bank of America decided that they would be closing my accounts due to risk over a returned check from another institution. I have repeatedly asked them to at minimum make it where I can withdraw the funds in the account from my local branch and it has been denied. I asked them to cease the closure of my account, as I've been a customer since XXXX also denied. They are telling me that my accounts will be closed on XX/XX/XXXX, and I must wait another 15 days after that to receive a cashier 's check in the mail. I told them that I wanted to close the accounts myself and not wait until they close it to receive the funds in my account, and they also told me I wasn't able to do that. They initially locked my account on XX/XX/XXXX right after I received my direct deposit and are telling me I can't get the funds until XX/XX/XXXX at the minimum. I guess they think that I don't have bills to pay or need food to eat in that two-month time period.
Product: Payday loan

On XXXX I discovered the withdrawal of {$290.00} from my bank account for a loan from " Castle Payday '' which I never applied for. I have since discovered that the loan, for {$850.00}, was taken out in late XXXX in my name, and has a 38-month payment timeline and a roughly 400 % APR!
Product: Credit reporting or other personal consumer reports

I mailed in a personal information dispute letter on XX/XX/24. I called in before this to dispute my personal information and i still have inaccurate information on my consumer report
Product: Credit reporting

I HAVE AN TAX LIEN THAT HAS BEEN PUT ON MY CREDIT ( XXXX/ EXPERAIN ) THATS NOT MINE ITS THE WRONG SPELLING OF NAME WRONG SS # ... ..ALSO A BANKRUPTCY THAT WAS DISMISSED IN 2008
Product: Credit reporting or other personal consumer reports

This account is reporting Inaccurate negative information on my report. This account is reporting closed and is reporting a current payment status. This account was closed back in XXXX  and was agreed to be removed from report. 

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

My name is XXXX XXXX a federally protected consumer, and I am making this complaint against XXXX XXXX XXXX for their abusive, deceptive, and unfair collection practices in the collection of extensions of credit. In a conspiracy with the consumer reporting agencies to cause a restraint of trade and commerce, this debt collector has engaged in racketeering activity. I have never given this company any consent to be in possession of my nonpublic personal information. I disaffirm any alleged agreement or contract between I, the consumer, and the original creditor, whether implied or explicit. This account is a billing error. Please provide me with documentary evidence of the obligors indebtedness. 

This company is in violation of the false claims act and is jeopardizing my consumer credit reputation with other financial institutions by fraudulently furnishing this alleged debt to coerce payment. Any payments made or future payments are a result of threat, duress, and coercion, due to undue influence. 
I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until XXXX  XXXX  LLC can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and XXXX XXXX XXXXXXXX continues its collection efforts, I will file for litigation for actual damages caused and XXXX XXXX XXXX  shall be liable for violations of TILA, FCRA, GLBA, CFPA, the Sherman Antitrust Act, Robinson-Patman Act, Clayton Act , FTC ACT and RICO Act.

Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Product: Student loan

I have 2 issues with this company. # 1. I called and advised them I completed an economic hardship deferment online. I was asked/advises on the form to upload my pay stubs. This was performed online through their website. I am requesting a letter stating they gave me the deferment based on what I submitted through their website. Now, a rep is telling me they dont show it. I called when I finished it and the IBR application to say I had uploaded my pay stubs twice one for each to make sure they got it. I requested it back through XX/XX/XXXX to bring my loan current. How do you lose something that is on your website? Where you have to complete it online. I am so confused. I wanted a letter stating my loan was brought current back through that date to not reflect the XX/XX/XXXX late on my credit as I put the request in. I was not provided a letter of denial, but just told my loan was now due to XX/XX/XXXX. Which I assumed was due to the hardship because I hadn't received any info regarding the IBR yet. Then, later on I was advised of my payment amount. The initial letter received about the IBR had incorrect/inaccurate data that had me confused upon reading it. Again, how do you lose something completed through your very own website? 

# 2. 
Texas Surety bond information as required by Sec. 392.101 - my original signature on the application from the creditor - my original signature on an application with your office consenting to any service. Please note credit bureaus are required to bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. Per this requirement you must delete this trade line or not place it on my report altogether if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files. 

I dont reflect nelnet, XXXX and XXXX are bonded in the state of Texas.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account. Actually I am not sure that the account is even mine though your company claims to have removed this. 


Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA  in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
ACCOUNT : XXXX XXXX  XXXX
Product: Checking or savings account

Since XXXX XXXX, 2017, I have been trying to gain access to my account with Santander, but after five attempts and no resolution, I am finally giving up. I have spoken to roughly six people at Santander and they have all claimed to try and help me, to no avail. I have requested a PIN to be sent to me three times and a checkbook to be sent to me once. Every single time, I receive NOTHING in my mail. When I ask them to close my account, they tell me I must send in a notarized letter to do so, which is unacceptable for someone who is extremely busy. Their only other two options seem to be sending me a PIN or a checkbook, both of which have not happened with FOUR tries. My account currently has {$810.00} in it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writting thid due to non-comliance with the CRA [ XXXX  ] They have failed to remove, update information that was inacctuare, incomplete reporting that had been challenge in the pass I strongly believe that they are in Violation of the FCRA and are outright refusing to uphold the Law
Product: Credit reporting or other personal consumer reports

My account with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in 60 days to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports XXXX
Product: Checking or savings account

My wife had a social security payee account with chase her mom was the payee on. Her mom was not allowed to use the account aside from giving my wife her payment, however she used it is her own personal account and over drafted it so badly repeatedly it hit - {$270.00}. 
In response to this chase pulled the overdraft out of my joint checking account I share with my wife despite the fact she has no access to the payee account her mom had been using illegally. We contacted chase snd they refused to refund us the overdraft on the grounds the payee account was in my wife 's name despite the fact my wife had no access to it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian continues to report that two accounts with XXXX XXXX are past due and that one is in collections. I disputed this and within seconds of disputing the accounts, Experian responded saying that the account was reporting accurately. Both XXXX XXXX reporting on my credit report is incorrectly reporting and Experian will not allow me the opportunity to dispute this. I do not believe that Experian ever investigated this situation. I contacted XXXX XXXX who shared that they haven't received anything electronically indicating that I was disputing this.