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

These accounts have been established fraudulently without my consent, I have kept disputing these accounts with XXXX, XXXX and Experian. To this day I have not received any verification these accounts are mine. I request they be REMOVED IMMEDIATELY FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. XXXX has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.
Product: Money transfer, virtual currency, or money service

I been using Western Union for many years and my family is been " robed '' for so long and I do not want deal with that anymore. I called Wester Union and they keep me in hold and hang up on me, I just want to know how they can protect me! 
No one answer me when I ask what is this hidden fees that they are charging me. 
I am tired to be robbed and no one answer me! 

When you send money they show you rates and how much money you will receive. When you go get money, is always short!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, the information on my identity theft report has not been blocked. I feel like I'm being taken advantaged of and being ignored of my disputes. In Section 605B, it is plainly stated that 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, not later than 4 days. My information was impacted by the Equifax data breach and has gotten into the hands of the wrong person. I have sent a notarized copy of the affidavit attached. The document was notarized to authenticate the documents and my identity, no further proof of identity should have been required. Any responses that I have received were general responses and did not respond specifically to my affidavit nor my disputes. They did not comply with my demand to block the information in the affidavit pursuant to the law. I have followed all of the necessary steps in order to legally and rightfully have these items removed, including but not limited to : Sending letters to the reporting agency, filing FTC reports with the Federal Trade Commission and sending notarized affidavit of truth clarifying the identity theft. The extended length of time to remedy this situation has drastically impacted my financial stability. I demand these accounts be deleted immediately or I will file for litigation and seek damages due to the stress you have caused me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am reporting that there are some negative items in my credit profile, but I have not confirmed or accepted that these are accurate. I dispute these claims and demand that any negative information be removed from the reports immediately.The claims that this information in my report is negative, untrue, incorrect, incomplete, untimely, and not verifiable are unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report are true.After reviewing my report I noticed several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I refute your allegations and challenge you to provide proof that you have the right to report this incomplete negative information about me. Document that you have complied with the reporting requirements, and report without any deviations. If you have not complied with the requirements or there are any negative aspects below that have been challenged, you must remove them from my report.Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relatesAlso per 12 CFR Part 1022 ( Regulation V ) requires furnishers to : A - Furnish information about accounts or other relationships with a consumer that has integrity. B - Furnish information about accounts or other relationships with a consumer that is accurate. C - Conduct reasonable investigations of consumer disputesAccording to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards. Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate. This is important to remember because it affects the accuracy of any federally regulated reports.With that said! I found some mistakes and inaccuracies in your report and I would like to invoke my rights to dispute/challenge these inaccurate and non-compliant items. If you continue to report claims that are not perfect, it shows that you do not care about my rights as a consumer.I don't think it's fair for you to report on me in a way that isn't confirmed to be ethical and meets the standards of certified reporting.The following claims about me were not reported correctly and do not meet federal requirements. I am challenging these claims and asking for proof that the proper reporting standards were followed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, ( XXXX  XXXX ) {$690.00} .. Submitted Identity theft dispute to credit agency XX/XX/XXXX, $ ( XXXX XXXX ) XXXX ... Submitted Identity theft dispute to credit agency XX/XX/XXXX $ ( XXXX  XXXX ) XXXX Submitted Identity theft dispute to credit agency XX/XX/XXXX $ XXXX XXXX XXXX XXXX  ) XXXX Submitted Identity theft dispute to credit agency XX/XX/XXXX ( XXXX XXXX XXXX {$20000.00} Submitted Identity theft dispute to credit agency XX/XX/XXXX ( XXXX XXXX ) {$410.00} Submitted Identity theft dispute to credit agency XX/XX/XXXX ( XXXX ) {$970.00} Submitted Identity theft dispute to credit agency XX/XX/XXXX ( XXXX XXXX ) {$4000.00} Submitted Identity theft dispute to credit agency XX/XX/XXXX ( XXXX XXXX ) {$180.00} Submitted Identity theft dispute to credit agency XX/XX/XXXX ( XXXX XXXX XXXX ) {$240.00} Submitted Identity theft dispute to credit agency
Product: Mortgage

Filed prior complaint with company and am now being discriminated against and receiving retaliatory treatment when contacting the company including not filing complaints as requested and being hung up on by the executive resolution team. This is a business practice I am quite used to and expect from Wells Fargo, hence the reason I do not want anything to do with this company that is strong arming me in to servicing my loan and discriminating against me for being a good customer they can make money off of.
Product: Credit reporting, credit repair services, or other personal consumer reports

Thank you for the opportunity to explain the late payments and issues on my credit report. 

In XX/XX/XXXX, after a lot of hardwork I was blessed to be able to purchase a home in XXXX XXXX, XXXX for my daughter. 

From the time of purchase up to the beginning of COVID my daughter either paid her mortgage to me ( usually by transferring from her XXXX account to mine or by XXXX ). I would then pay the mortgage via XXXX XXXX. Within a month of COVID ; however, my daughter lost her job. After using the few months pay shed saved, the mortgage became my responsibility. Not just because the loan is in my name, but because as her Mom it was my responsibility. 

Then, not to get too personal, in the midst of COVID ( XXXX ) and her job loss, I found out my then husband was having an affair with an XXXX driver after only 5 months of marriage ( cant make this up ) AND hed lost his job, leaving the mortgage on the home I shared with him as my responsibility, as well as, all household expenses for both houses.

So at this point, Im paying two mortgages, two car notes, utilities in two houses and credit cards for each of us on top of dealing with what ended up being the beginning of the end of my marriage. 

I eventually separated from my husband in XX/XX/XXXX. My divorce was final in XX/XX/XXXX. 
Prior to my life turning upside down ( XXXX ) Id accepted a position below my previous level of pay to reduce the stress in my life but, after trying to carry two households on that salary through XXXX and part of XXXX ( where most of the late payments occurred ) I was forced to take on multiple full-time jobs to support my family. 

I am quite aware that the late payments are horribly reflection of creditworthiness, but I do want to point out that throughout all of the above episodes, I may have paid late many, many times, but my family remained in our homes, our cars were not repossessed, our utilities stayed on and there are no charge offs on either of our credit. I did this after speaking with all of my creditors, explaining the issue to them and letting them know I would try my best to keep paying all my bills. 

ON TOP of all that XXXX XXXX XXXX XXXX and the XXXX XXXX Police notified me in XX/XX/XXXX that someone had come into the XXXX XXXX branch with fake id 's and my lost debit card attempting to withdraw money from my bank account. I live in XXXX. I have been working with the police in both XXXX and XXXX to try to get a small mountain of identity theft items resolved that I was not even aware of until they contacted me! 

I have emailed each of them asking that they honor their word and remove late payments under the CARES Act to no avail. I need the help of CFPB. I am exhausted at this point. Had I know I'd get treated just like someone who didn't pay at all, I wouldn't have killed myself trying to not let anything fall behind.
Product: Mortgage

After I suffered a home owners claim, Citizens was impossible to work with and borderline abusive emotionally and financially. 

They moved my mortgage to XXXX XXXX, but I must still use their banking apparatus. They have zero customer support capability. Their online website is not only dated but unusable. I can not even view my annual mortgage docs. 

They are the worst bank I've ever worked with.
Product: Payday loan, title loan, or personal loan

Back in XX/XX/XXXX per Ace Cash Express I took out a loan, I feel very confident that this loan was cleared, but they had a law office call me 4 times today XX/XX/XXXX harassing me and threatening me stating that Ace was suing me for default and failure to pay back the loan, stating that I was being sued for over {$4000.00} on a loan that was less than {$500.00}, I was financially in a very tight spot at that time and was not ever made aware that this was to happen. Please help as it has been over 2 years and they are now here it is XX/XX/XXXX and they are threatening me and would not identify themselves until I gave them personal information I feel very threatened and my privacy has been violated please help
Product: Mortgage

In or around the last week of XXXX. I was informed that my mortgage had been transferred to a different servicer, LoanCare LLC. I was not informed at that time that my monthly mortgage payment autodraft would transfer to the new servicer. I attempted to log in to the new servicer portal on or around XXXX XXXX, but the loan information was not available at that time for customers being transferred from my old servicer. Because the payment was due, I called and made a phone payment through their automated system that same day to ensure I would not be late with my payment. 

On XXXX XXXX, the autodraft came out of the account, resulting in a double payment. I called LoanCare on or around XXXX XXXX to request the additional payment be refunded, and I was told that the funds would return to my account on or around XXXX XXXX. The refund never appeared. I called XXXX XXXX at XXXX to follow up and was told the customer service representative on the first call had failed to inform me that I would need to submit proof of payment in order to have the refund processed. The CSR asked if I would like to begin that process. I declined, since the mortgage is now prepaid through XXXX, and it's too late in the month to have any cashflow benefit at this point. 

LoanCare 's communication at the servicing handoff and at their customer service line has been abysmal. If I hadn't transferred money from my emergency fund to cover the potential double payment scenario, I would have overdrafted. In the short term, this has caused significant cashflow headaches for my household.
Product: Debt collection

TeleCheck declined a check written to XXXX XXXX on XXXX XXXX, 2016 there was no reason for decline since my account had the funds necessary for the purchase. They now want be to send them an extra {$25.00} fee. TRS Recovery sent me a letter stating that telecheck has purchased the dishonored electronic fund transfer. They want me to pay with a debit card now. I have not been able to talk to a person but I faxed them my response to this fraud.
Product: Vehicle loan or lease

My sister passed away on XX/XX/XXXX. I have been trying to have the equity in her vehicle transferred to me since XX/XX/XXXX. I heard back from Hyundai Finance on XX/XX/XXXX asking that I apply for credit. I sent the application and all the other information to them on XX/XX/XXXX. The credit application indicated I would hear from them in 2 business days. On XX/XX/XXXX, I called and was told to their back office had not updated the account and to contact them again on XX/XX/XXXX. On XX/XX/XXXX I called and was told still no update and to call on XX/XX/XXXX. On XX/XX/XXXX, I called back and still no updates. They asked for my preferred contact number and email which I provided. They said I would hear back in 3 business days. On XX/XX/XXXX, another sister received a forwarded letter asking our intent as it pertained to the car. The requested we FAX a response. On XX/XX/XXXX I faxed the requested information and a history of my interaction with Hyundai Finance. On XX/XX/XXXX, I contacted Hyundai again and they said they were missing death application. To call back in 2-3 days. On XX/XX/XXXX, I called again and was told they had the intent letter and death certificate. They again asked for my information. On XX/XX/XXXX, I was notified by my ID Monitoring company that Hyundai Finance had pulled my credit report. On XXXX, I called Hyundai asking for a status and they said my credit was pending and to allow 5-7 business days to get a response. On XX/XX/XXXX, today, they said my credit is still pending and to call back on Friday
Product: Credit reporting or other personal consumer reports

m writing to formally dispute an account that is mistakenly listed under my name. I recently discovered that an XXXX XXXX XXXX account is associated with my personal information, and I want to clarify that this account is not mine. The account actually belongs to my ex-husband, and he has used my social security number without my permission or consent.

Additionally, I have been contacted by TrueAccord Corporation, a third-party debt collection agency, regarding this account. I am not responsible for this debt, as I did not authorize or open the account in question. I kindly request that you investigate this matter, remove my name from the account, and notify TrueAccord Corporation of the situation
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX are reporting 2 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 3rd dispute letters to Equifax, XXXX and XXXX since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Product: Debt collection

XXXX funding has no right reporting this account to my credit file. XXXX XXXX Bank is aware this is a fraudulent account and has deemed this account a fraudulent account. XXXX XXXX Bank sent me notice already stating this account was a fraudulent account and its documented on the account. At this point XXXX funding and all three credit bureaus will be sued for allowing XXXX funding to report this account. I want each credit bureau to reach out to the original creditor credit XXXX bank for verification. I already spoke with an attorney and I have a the right to sue for punitive damages. emotional stress and harassment due to this account being reported. Each credit bureau has 30 days to verify this account with the original creditor. I am going to request the XXXX XXXX XXXX investigate XXXX XXXX. I am fed up at this point.
Product: Credit card

- The company is XXXX XXXX- Applied for a credit card and received the card with a promo offer of 24 months no interest charges same as cash. 

- I purchased a bed on XXXX using the 24 month option - I received a letter in the mail on XXXX from XXXX XXXX advising that they will be add 2 % promotional transaction amount to with duration of 18 months or more and if I call and reject the fee I will not be able to use my card for new transaction- This is a bate and switch and I want you guys to correct this if I know this I would have never used this card to begin with.

- This is another way for them to make money on bogus fee after I have made 2 months of payments so now I can't refund the purchase.

- Lets think if they told peopel about this upfront would I still be a customer?

- Also if it is in the fine print it would need to highlighted and pointed out as part of the purchase and the rep at the store never mention this to me and I feel cheated because they are now trying to backdoor me the customer for extra money they are not entitled to.

- CFPB FIX THIS NOW ITS DECEPTIVE AND UNCALLED FOR XXXX XXXX  NEEDS TO UP HOLD THERE END OF THE BARGIN Thank you,
Product: Student loan

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that ( Account Name ) has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask your be investigated as soon as possible and confirmed to be correct. Thanks!
Product: Checking or savings account

Received a notice in mail about bank of america account under previous address, i have never had an accout with that institution. So the account with Bank of America was opened under my name using a previous address. I tried speaking with Bank of America directly but was advised that they wouldn't be able to help without verifing account information other than acoount number. I asked to speak with their fraud department and was rerouted and then placed on hold and was never able to speak with someone in regards to closing this account.
Product: Credit card or prepaid card

When reviewing my credit report in XX/XX/XXXX I noticed a new credit card with a balance of {$14000.00} with Elan Financial Services and contacted Card Member Services and filed a fraud claim. This was denied by card member services as a representative for Elan Financial Services I have attached a copy of the original dispute and their letter denying my fraud claim.

They did allow me to close the account so no other charges could be made. I wrote them a letter explaining what the card was used for and then had to wait and see what would happen. 

Mr XXXX was making payments on time until XXXX of XXXX and at that time I received a late notice from the company. 

I then contacted XXXX XXXX XXXX, XXXX XXXX asking for their help with getting this late notice off my credit report and asked that they obtain proof from the company that I was responsible for this bill. I understood that by law when a dispute was filed that the company has to respond ... XXXX XXXX corrected some items on my credit report but I never received an answer from them or the company asking for some proof I am not sure how a company can send me a card I did not ask for to an address where I no longer lived, allow a prior authorized user to activate this card with a {$15000.00} limit and allow him to change the address and phone number/ I had never received a card, statement, phone call, email from this company before they activated this card making sure I could not stop this the first month. So basically they gave {$15000.00} to someone who makes {$800.00} a month with SS and was 72 years old and said go have fun but when the first late notice came they sent it to me, Ive been told by many sources that I  will end up being responsible for any balance left and this card is now once again 90 days late and I have received another late notice Where did the credit card company get so much power that they could do all of this without any notice to me. Where is their due diligence to the primary card holder and how hard would if have been to ask Mr XXXX for my information so they could tell me I had a new card and what my phone number and address was.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are fraudulent accounts appear in my report, please investigate them :   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

The credit bureaus are reporting a very old Bankruptcy on my credit file and it must be removed. I recently checked my credit and noticed that this bankruptcy was still reporting and this was discharged over 10 years ago. I had sent a previous round of disputes to the bureaus, specifying that it was past the credit reporting limit but it continues to report on my credit. This must be removed.
Product: Debt collection

A credit card was opened with Capital One in XXXX. The card was used up to XXXX when I lost my job and was unable to keep up with the payments. Once I got a job and was in a good place, I continued making regular payments through XXXX even though they had since closed the account and charged off the debt. In late XXXX I stopped making payments on the closed, charged off account. 

Capital One is now suing me for the remainder of which I can not afford to pay. They most likely have verbiage in the contract that obligates me to pay even after the charge off but that is not the issue. 

With an open lawsuit Capital One advertised, approved and granted me a line of credit for the same exact card in question within the lawsuit. 

Could this be considered predatory lending? It seems like encouraging debt and making a loan to an unqualified borrower, as well as a conflict of interest. 

With the recent cyber attacks, Capital One is facing substantial payouts on some class action lawsuits. Now it seems they are resorting to unfair practices to recoup losses. 

Please let me know if I have a viable defense to this case.