23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Around XXXX of this year, I checked my credit report for the first time in years. After reviewing my credit, I noticed addresses where I never lived and accounts reporting that I didn't recognize and did not open. After this I learned in 2017 my personal information was a part of the XXXX Data Breach and has been used to open credit card accounts and loans. Several credit card accounts were opened ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX, and XXXX XXXX XXXX. There was also an auto loan from XXXX XXXXXXXX XXXX listed on my report that I did not open. Multiple collection agencies were also on my credit report that I have never done any business with ; XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  and XXXX XXXX XXXX. I have reached out to the three major credit bureaus ( XXXX, Experian, XXXX ) on multiple occasions but have not had any success in removing these fraudulent accounts. The bureaus continue to respond to my dispute of these accounts as verified providing no proof on who opened these accounts. I filed an identity theft report with the FTC which I will attach to this complaint along with the letters that were sent to the bureaus.
Product: Mortgage

I am attempting to secure a mortgage after the fraudulent foreclosure in the XXXX XXXX Georgia records.I need the Litton Loan mortgage transfer documents from Ocwen/PHH and XXXX have failed to provide those documents on numerous occasions. I need the notice from Litton regarding the new servicer Ocwen and effective date. I need a copy of the letter Ocwen sent our regarding their servicing of my mortgage loan from Litton, to include the amount of loan balance and contractual obligations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, ( XXXX XXXX XXXX XXXX, consumer and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX. Account Name : XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX 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 an account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation
Product: Debt collection

Centron Services Inc, also known as XXXX has failed multiple times to delete this collection item off all 3 credit bureaus. They have been advised by me that a notarized letter was sent to the original creditor on XX/XX/2021 and the original creditor stated that a notarized letter would discharge and remove the debt. XXXX thinks they are above all FCRA and government regulations and verbally stated to me that they were not removing anything. XXXX has provided me documents in the past of false documents that have a signature that does not belong to me. XXXX is also not able to verify who the debt actually belongs to. Therefore, this collections agency is subject to violations of section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you Centron Services Inc has failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. please see attached correspondence.
Product: Credit reporting or other personal consumer reports

XXXX XXXX through XXXX the company XXXX mortgage purchased my mortgage from another lender and notified me via written mail despite having my email and phone number. I was XXXX XXXX XXXX XXXX XXXX XXXX XXXX as the mail was sent to my home in Florida. The account they transferred to was a different login than my current login for the same company that held a previous loan for another rental property. I now have two loans with XXXX loan number XXXX and XXXX however I can not access my loan because the logins are different. When I attempt to login it sees my account as attempted fraud and makes me reset my password kicking me off both loans as they are open under my name but different logins making it impossible to ever access either loan. The account I have current is different then their account they marked at 120 days past due. I have contacted multiple times to verify my loan and they are requesting me to blindly pay without every being able to access my transferred loan. My assistant that manages the loans assumed the loan was being paid as the original home loan through XXXX is current creating the appearence that I was intentionally not paying the other loan under a separate login that was sent via written mail that I was unable to check.
Product: Debt collection

I am a XXXX % XXXX veteran. In XX/XX/XXXX I was injured during a tactical confrontation in XXXX XXXX. In XX/XX/XXXX, I was referred from the XXXX XXXX in XXXX XXXX XXXX Florida, by my primary care physician to see the doctor outside of the XXXX XXXX. The specialist was for XXXX  XXXX XXXX and XXXX XXXX. The XXXX XXXX contacted the office, they had discussed payment with the outside care provider and they agreed to take me on as a patient. Shortly after my visit to that office, the clerk who worked at their reception desk attempted to collect the fees for their tests directly from me. I had already provided all the pertinent details about payment. It was to be handled directly with the XXXX XXXX, not by myself. As XXXX % XXXX with the VA for combat injuries sustained while XXXX in defense of out great XXXX. The doctors office continued to harass my wife and myself for payment. I had gone to the XXXX XXXX  with a copy of their bill and they had agreed to get in touch with the doctors office and handle they payment they so feverishly attempted to collect from me even after all the proper insured and va documents were provided. I had be reassured this debt was not mine to pay by the VA and their patient advocate. Years later and the debt has now been put into collections, it has been damaging my ability to buy a home for my wife and son, my family. It has disabled me from buying a family car, home, rentals and the like. This has been hanging above my head for a couple years now. I attempted directly through equifax credit agency to dispute this debt owed by the VA hospital to no avail. The debt is not mine to pay yet I 've been paying for it for years because my family can not use our credit to acquire a home or a car. The dollar amount is not mine to pay, {$260.00}. I have been retired from military service and receive a fixed income as a XXXX % XXXX veteran. I can not afford to spend the money that is n't even mine to pay. This has been a losing battle no matter what I have tried to get this debt extinguished. Please help me get this shut down. I really need to do better for my family and having this derrogitory mark on my record is the only thing currently holding me back from being the provider and husband I need to be.
Product: Vehicle loan or lease

I purchased a XXXX  XXXX XXXX from XXXX on XX/XX/XXXX. The pick up was delayed because the car failed inspection due to the rotors. Once I picked it up, the car was not cleaned. Since having it, I've visited the shop 5 times since. The list of issues include : turbocharger, valve cover, spark plugs, coil packs, air filter, fuel system service, water pump, water outlet, and oil pan. Currently the car has lost all engine power, smokes heavily, and is un-drivable. The warranty company, XXXX, the repair shops, Bridgecrest, and XXXX are giving me the run around and refuse to fix the vehicle. XXXX then told me I would have to pay them $ XXXX to sell the vehicle back to them. They claimed they thoroughly inspected the vehicle however the items that are wrong with the vehicle are notated on the inspection report as passed. This information is obviously false. Since having purchasing it, the situation has caused me to miss work and the vehicle left me stranded on the side of the interstate. I would like to see justice in my situation as well as the countless other horror stories I've read about since experiencing my own. I want to give the car back and get out of the loan contract because they sold me a lemon. Please assist.
Product: Credit card

They violated several rights from the consumer law while heisting my information and putting me into a contract with a third party. They failed to provide written notice ( disclose ) the right to rescind while not providing insurance. They also charged me with a down payment with a finance charge.
Product: Debt collection

I respectfully requ est Midland Funding, LLC to  provide me with competent evidence that I have any legal obligation to pay you.     Under the provisions of Public la ws 95 109 and 99 361, kno wn collectively as the Fair Debt Collections Practices Act ( FDCPA ) and the FCRA I am requesting the following verification : I am requesting for proof of both the original debt agreement and my signature of the credit credit card loan application and my payment history.
Product: Debt collection

They insisted I owed a medical debt from 2003. They said I had 24 hours, and basically nothing could be done. I had to call 5 times to beg them to just update my contact information, and give me any information on the debt. All they would tell me at first was I had 24 hours, the medical debt was held in-house by a hospital for 16 years then given to them. I tried to explain that I had no problem checking into the debt, but I needed information, since it was 17 years ago. I finally on my 5th call, started by verifying the line was recorded, I said wanted to work with them, gave them my updated contact information, and the lady agreed to give me 24 hours to review an email which came through docusign with no email to dispute this. She told me there was no disputing, and that information would be filed with courts and " turned over to my social '' in the morning. They claim to have camera footage of me entering, and exiting the hospital. I have no way to even look into records 17 years back within 24 hours. They did not want to update my name or address. I was insulted, and hung up on numerous times. I only spoke kindly to them. I did make the mistake of verifying my social security number, which was the first thing they did. There is no legitimate company information or website. Also I have found th exact same scenarios of other 's tied to their phone number.
Product: Checking or savings account

Work at a dealership in XXXX XXXX, Ny, was living in XXXX at a time and moved to XXXX, Ny. Due to covid-19, XX/XX/2020, all my checks for the peroid was sent to my old address by mistake by the office and was deposit by unknown person from the old address. It's been months and i have not heard anything from anyone.
Product: Mortgage

I represent the owner of the home as their realtor and short sale negotiator. We submitted a complete short sale package by XXXX XXXX 2016. The file was said to be in underwriting for review to make a decision on XXXX XXXX 2016. I have been calling twice a week since then and have escalated this file for an answer at least 3 times and also had it sent to the executive office for a response. Each time I was told that a representative would call me within 24-48 hours. That has never happened. My seller has been called to answer questions about his short sale review which he was not capable of answering and they even told him that they needed my email address and contact info that I have been providing each time I have called the bank for status and an escalation. They were supposed to have initiated it in XXXX over a month ago and I still have not been contacted through that system to have the file reviewed by the investor for a decision. 
This bank has taking this file hostage and continues to play games with me and the seller for far too long. They have 30 days to respond to the seller in writing after the file has been completed and this has been well over 60 days now with nothing but games and excuses. I need the CFPB to step in and make this company accountable for their negligence.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX Gave me false information in not having to run my credit for a vehicle but in actually they did and also sent it to another bank and .I didn't recieve the opt out of reporting paperwork ..saying I could opt out of reporting
Product: Vehicle loan or lease

I have spoken with Wells Fargo on a regular basis on the late payment to my auto loan I had a payment arrangement in place to pay XXXX on the XXXX of XXXX as this was my payday today they repossessed my vehicle I received nothing by mail or phone stating that repossession was happening NOTHING from them other than my agreement of payment arrangement I have called them twice today and nobody there has any record of my payment arrangement or correspondence by phone with them I have received no emails or mail regarding any issues with the situation I have been in. They have never reached out to me regarding the repossession of my vehicle
Product: Credit reporting or other personal consumer reports

I called Equifax to get my credit report on XX/XX/year> and after receiving it, I noticed there were some hard inquiries that do not have permissible purpose according to 15 USC 1681b. I also Attached my credit report and letter showing that Equifax is in violation of the FCRA.
Product: Bank account or service

I purchased XXXX flat irons from a mall kiosk on XXXX XXXX, 2016 at XXXX for {$270.00}. XXXX for me and XXXX for my daughter. After spending an hour at the kiosk while the lady selling the product used the demo to straighten my daughters hair as well as mine, I decided to buy them. The demo iron she used worked wonderfully on our hair. She even pointed out how it steamed and it was taking the moisture out of the hair therefore not causing damage. It was supposed to make the hair healthier and not damage it like other irons. I was hesitant at first, but she kept lowering the price and telling me she would give me a GREAT deal. Since the demonstration worked so well I went ahead and purchased the irons. I got home and the next day I washed my hair and used the iron and right away noticed it was nothing close to the one she was using for the demo in the mall. There was no steam and it did n't straighten my hair as fast as the one she used. I went back to the mall and tried to return the products to the merchant and they told me they only would exchange the product for a different one and there were no refunds. Before I bought the irons the return policy was not stated nor was it posted. It was only printed at the bottom of the receipt AFTER I had already purchased it. Red flag right there because most places that sell products will back them up with a guarantee. I explained that I did not want another product that did n't work as advertised. I told the merchant I would be starting a dispute with my bank and gave them another chance to refund my money and let me give the products back. I called my bank immediately and wanted to start a dispute. I waited the time period they told me to before they could start the dispute. They temporarily put the credit back into my account while they investigated. As a consumer it states that if you feel a product is n't the quality that was advertised you have the right to dispute. And this was the case here. I continued using th iron and it started making my hair break off. The lady also claimed the plates were ceramic and would n't break but after about a week, one of the plates actually broke in half. I stopped using it and went back to using my old one because I could n't afford for my hair to be any more damaged. I received a message that the dispute was closed from Chase and they said that the merchant said they already gave me the products and they only accept exchanges. I called chase to ask if there was anything else I could do because all I want is to return the products and get my money back because I am now left XXXX $ Short and with XXXX products I ca n't use because of the quality of the items not being what I thought I was buying. I would like to see Chase help their customer out by helping me as a consumer who was wronged by a merchant. If I would have used a major credit card I feel I would have more backing as a consumer. I used my bank card as a credit card so I should have the same rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

Comenity/Wayfair XXXX XXXX - This company ( Comenity ) increased my credit limit at my request. I began to order more items from Wayfair because at the time they had really good items. I made the fatal mistake of taking advantage of their no interest purchase on items over a certain price point. Wayfair nor Comenity were ever able to explain how it worked. One day I looked at my statement after making several purchases on this program, to begin paying them off. The statement showed the balances on the purchases much higher than I'd anticipated and the payments I was making should have been credited. Comenity finally said they credit the majority of any payments to regular payments and interest then to the purchase with a deadline on them! My statements showed that I had paid them down and some should've been paid off earlier ( I have every statement to prove it, too big to upload here ). When I made a really large payment months later, to pay down the balances before I knew any of this, it was not credited appropriately to those items or to the acct. as I was told. The chunky payment should've eliminated 2 items still leaving enough for a payment. We ended up in a huge dispute which NO ONE at Comenity ever resolved even when I put it in writing as they insisted. They cancelled my limit increase, placed it at my outstanding balance, never responded to any of my requests to acknowledge or resolve the disputes, then closed my card & charged off the balance due. Then they showed my balance as {$2100.00} & my limit as {$1600.00} which is FALSE AND INACCURATE! My limit was {$2200.00}, the balance at charge off was around $ 1,500+ because I refused to pay them until they corrected it. They refused to correct it hence the charge off & excessive fees. See attached statements with proof of the original {$2200.00} limit vs the balance.
Product: Credit card or prepaid card

Capital One is attempting to collect unnecessary identity documentation in processing credit card applications. In addition to me being a customer for multiple years, having multiple different accounts with them, multiple credit accounts paid in full, all of my information remaining the same, and me applying for this credit card from my account log in and applying for an offer that they made me, I also provided them with the additional documentation they asked for but then they wanted more documentation. Further, they have very low level employees who are working privately from home, and who have access to everybodys private financial information. I had one such employee, ask me to verify certain information which sounded suspicious, and I reported it to her manager and he admitted that she should not have tried to verify such information and that they would review that call. I also had this same exact problem with capital one back in 2018. I then asked the manager why is it so difficult to obtain a small credit card with capital one but its so easy to get a car loan with capital one. I got a car loan with capital one in 5 minutes with providing no documentation beyond my drivers license. He then answered me that they are less worried about fraud when there is collateral involved!!!!!!!! How about that!!!!
Product: Credit reporting or other personal consumer reports

I am writing to dispute the continued presence of inaccurate address on my credit report. Despite prior disputes, this incorrect address remain listed : This address do not belong to me and are irrelevant to my credit history. I have previously submitted documentation confirming my correct address, but this errors persist, violating the Fair Credit Reporting Act ( FCRA ). Their continued presence could negatively impact my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX ( XXXX ), ( XX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of Dept Of EDXXXX {$2700.00} Dept Of ED-XXXX {$2200.00} Dept Of EDXXXX XXXX {$6300.00} XXXX XXXXXXXX {$700.00} XXXX XXXX XXXX XXXX XXXXThese accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the *Bureau* credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address XXXX XXXX
Product: Bank account or service

I maintain a checking account and a savings account at Ally Bank. I keep a XXXX balance in the checking account and instead exclusively use my checking account with another financial institution, but I do keep money in my savings account at Ally. Yesterday I erroneously charged a {$58.00} transaction to my Ally checking account through XXXX, which the bank processed along with a {$25.00} overdraft fee. 

I complained to Ally Bank that I had not opted into overdraft services, and that I would have preferred that they deny the transaction. They refunded my fee, but informed me that there was no way to opt out of overdraft coverage. With the increasing prevalence of online-authorized ACH payments for specific services, e.g. XXXX, it seems seems to me that Ally should offer an opportunity to opt out of such one-time transfers as required by Regulation E ( 12 CFR 1005.17 ( b ) ). Such transactions are more similar to one-time debit or ATM transactions than they are to reoccurring bill pay or check payments, and so I strongly feel they should be subject to the opt out requirement as well.
Product: Credit reporting or other personal consumer reports

I recently viewed my credit report and noticed there was fraudulent activity.
Product: Credit card or prepaid card

Discover suspended my card for no reason. I have being a customer for two years never late. Hardly have any balance. I received email from them that it was unusual activity on my account. I was trying to log in to check what activity and guess what, my access is blocked! Very smart and logical! I called this people and they told me that they need to verify that me is me?! After making payments for two years from my checking account? They told me they have to contact SS office, like SS office going to speak to them without my approval.
Product: Credit card or prepaid card

This account is being reported inaccurately. I see repetitive late marks and I do not see the date of last activity being reported which is a violation of the FCRA.