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

I talked with XXXX XXXX XXXX on XX/XX/2018 many times that day was put on hold and moved from dept to dept. I got my chexsystem  report and seen that they reported the amounts that i owe but then put SUSPECTED FRAUD on the report and that has stopped me from getting a checking act.. I told the agent the act was open and was never closed for Fraud i just got on hard times and could not pay the act off that i was overdrawn in. She sent me over to rick management because she said the acts where in that dept. Then  risk management told me that the acts where never in that dept and they are in collections. She told me that she does not know why the acts would have been maked suspected fraud and sent me back over. The lady on the phone told me that she will call chexsystem 's and tell them what happen but she just sent me over to chexsystem 's and ended the call. 

I have been dealing with chexsystems to get this removed off my report but have not got any info from them as to why it was reported as suspected fraud. I know i owe XXXX  XXXX XXXX money and i have offered to pay off all the acts if they will just remove the remark suspected fraud off my report. I have sent many letters and never got back to me.
Product: Mortgage

Able to pay part of an offered agreement to bring me up to date on my mortgage. However, part of the offer includes paying two mortgages for the next three months. This is impossible for me because doing so would be using my entire monthly income. I would not have even a dime left to cover all other living expenses. Please advise. Thank you
Product: Debt collection

XXXX XXXX XXXX XXXX card has been contacting my ex husband whom I divorced several years ago. Theyve been calling his office and cell phone number, even though my ex husband told them that he doesnt want to receive any phone call regarding me they still calling him and telling him about my debt and told him that I need to get an attorney. 

Earlier this year I asked XXXX XXXX to use my account assure that they advertise will help you during your hardship moment. Its all lie, not only they didnt lower my payment or comes up with solutions, they told me they cant help me because my payment is always up to date. Not only I lose my money from my account assure ( which also a scam the way they advertise it ) the communications with XXXX XXXX representatives are always bad, different people said different things and they dont have initiative to help. After being late for my payments ( in order to get help from hardship department ) they been calling me day and night, several times a day with unknown number and robo calls. They also threatened with contacting the attorney and will taking this seriously. Back when it started my debt was {$1200.00} with {$3000.00} credit limit. Now my debt is $ 1600+ because not only of the account assure didnt assure you to get help during hardship moment they keep charging me every month beside the interest fees!
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act i believe XXXX XXXX XXXXXXXX XXXX  account XXXX has violated my rights, 15 USC 1681 section 602a states i have the right to privacy 15 USC 1681 section 604a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666b : a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Part of the 143 million Americans who 's data was breached during the Equifax hack. 

Actions have NOT been taken by Equifax -- they are offering a year of free credit monitoring but if you OPT IN for that, you waive your right to be a part of the class action law suit against them.
Product: Credit reporting or other personal consumer reports

When I fell on hard times, I resorted to settlement agreements with multiple credit lenders following a divorce. XXXX XXXX XXXX agreed to a settlement with which when it was finally paid off, they said they would initiated a good faith removal of any negative reporting to my credit report. Late payments, settlement status, and clean the report underneath their accounts. This same agreement was reached with XXXX XXXX as a joint loan with my ex-wife. Once this was paid off, they said that they would remove the negative remarks with regards to late payments and settlement status. I have reached out multiple times directly to the companies and all of the credit bureaus to initiate investigations and every time it is closed almost immediately without any update. Aside from this, XXXX closed my accounts without notification, and these amounts were sent to a debt collector who does not have my debt agreement or debt amounts so all it shows is closed accounts with a balance. XXXX said they closed the balances at an operating loss and had no need for reporting anymore so I discussed with them to remove the amounts but they said it was no longer within their hands because it was sent off to a 3rd party agency. This agency does not have the agreement however so it is stuck in limbo. Then finally, the XXXX XXXX Auto Loan that shows a missed payment is incorrect. I sold the vehicle to a car dealership that underpaid XXXX XXXX from their profit. XXXX XXXX acknowledged this issue and said they would remove the remark within 90 calendar days. They have not. Despite multiple attempts to contact them and initiate disputes with the credit bureaus. These disputes also get shut down almost immediately with no update
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX CRE XX/XX/XXXX XXXX NCCINC/GRAND MOTORCARS XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX GLOBAL LENDING XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX CRE XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I contacted the company the company no longer own the account they sold the information to another creditor without authorization from me. I have a contract with third parties I dont know of. The information incorrect Child support XXXX Child support XXXX the balance incorrect. I will provide documentation of new balance the information reporting on XXXX XXXX Website is the wrong information XXXX XXXX XXXX XXXX XXXX also incorrect item I have any knowledge of XXXX sent numerous of letters to XXXX, Equifax, and XXXX to remove and delete this items
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the fair credit reporting act Account # XXXX has violated my rights. 

15 U.S.C 1681 Section 602. A States I have a 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.
Product: Money transfer, virtual currency, or money service

My XXXX was stolen on XX/XX/year> at a bar in XXXX XXXX in the early hours of the morning. The thief made several transactions off my device via XXXX, XXXX and Chase- including a XXXX transfer via Chase for {$950.00}. I filed a police report later that day and purchased a new phone. I submitted the dispute claim to Chase that day - however the initial agent added an array of transactions that I did not cite as unauthorized. Eventually my claim was denied. I sent the police report to Chase and my claim was denied again. The reasons for the denial have ranged from we dont refund XXXX to the device is still linked to your account ( it is not- I have checked this multiple times with Chases own security team and did so in their XXXX XXXX XXXX on XX/XX/year> ) to because Face ID was used to unlock the device, we can not recover your funds. I would like my funds returned to me as I was the victim of a crime. The XXXX transaction is {$950.00} and I had XXXX and XXXX return stolen funds ( {$1000.00} and {$300.00} respectively ). I do not understand why Chase is unable to do so.
Product: Mortgage

HSBC MORTAGAG  XXXX  : is my lein holder or owner of my loan, I  XXXX   XXXX  have been dealing with serious medical conditions, which has cause loss of income, I had to file chapter  XXXX  in  XXXX   XXXX , did not reaffirm my home, I have been working with HSBC on a loan modification. Talk to them in  XXXX   XXXX  told them what was going on and why filed loss mitigation medical hardship, Have been going back and forth, and now there are offering a 24 month mod. with a {$200.00} saving on a {$1400.00} on  XXXX   XXXX  saving on the second {$540.00}. I have requested permanent modification, my medical condition will never get better only worse. Hoping to recover enough to get back to work, I am on short term  XXXX  getting {$320.00} a week since  XXXX / XXXX / XXXX . having  XXXX   XXXX  on the  XXXX  of  XXXX . I ask for the lowest payment. for if I had to go on total social security  XXXX . I could keep my family home. they are just being unforthcoming to help me in my situation.
Product: Money transfer, virtual currency, or money service

Have contacted support multiple times over the past two weeks, including today XX/XX/24. I am unable to transfer more than {$1000.00} per day out of my crypto wallet. After waiting for support for close to two hours, Robinhood is of no help and will not transfer me to someone who can solve the issue. Robinhood tells me I must pay a 0.6 % fee, realize taxable gains or losses, and then transfer the money out of the account. Robinhood had no qualms about instantly accepting money, but this is a purposely low withdrawal limit scam. I can not wait 3 months to have access to my money.
Product: Mortgage

Chase is unable or unwilling to correct an error of their doing in my HELOC -- an account I 've had for over 12 years -- and never a problem at my end. Despite a letter from XXXX corroborating what I 'm saying and explaining repeatedly, plus emailed to them repeatedly a copy of the XXXX letter with the explanation and reference numbers, Chase bank is now harassing me with documents. I 'm at my wits end after talking to over 15 people one person more detached than the one before. Why ca n't one person fix the issue and apologize for putting me through this endless torture.
Product: Credit reporting

The XXXX account still remains on my credit report without being properly verified. This account does not belong to me. I contacted XXXX to validate the account to send me a signed credit application and they could not produce XXXX. Equifax did not verify this information pursuant to the FCRA. If this XXXX account does not get removed asap and continues to appear on my credit report, I shall find it necessary to sue you for defamation damages and declaratory relief. 

Under the FCRA, a creditor has the responsibility to investigate and verify the information reported to the credit bureaus, and consumers have the right to sue if their request for verification is not complied with. 

I look forward to a speedy resolution of this issue. This is my last attempt for I will sue Equifax just like The case, " The Equifax class action lawsuit was originally filed in 2010 by plaintiff XXXX XXXX XXXX ''. XXXX claimed that Equifax violated the FCRA by the company 's allegedly erroneous reporting
Product: Mortgage

On XXXX of XXXX I recieved a call that my home was up for forclosure if I didn't catch up with my payments. In XXXX of XXXX a payment for XXXX was wired to ocwen loan servicing. According to them they had repeatedly sent notices which I didn't receive. They took my payment which they can't locate and on XX/XX/XXXX a man knocked on my door and informed me and my son that he had bought our home and that it was no longer ours. Ive tried a million times to contact ocwen but they sold my loan to a new company. They constantly added charges claiming mail charges do I was always short on my loan payments because they put it towards other things. It's not on me to pai for mail they send which I wouldn't receive regardless. I recieved a call yesterday stating that my loan would ne up to date if I made a payment for XXXX. My loan was XXXX for one and XXXX for the other. If i was ONLY behind XXXX and that would get me caught up, how could they have sold my home and leave us homeless. This has caused major XXXX for my son, myself and my daughter. It's not only unfair but embarrassing. I have my credit ruined and it's also cause a lot of turmoil on my family. I owed XXXX on the home, the man is willing to resell to me for XXXX more than he paid for it or it's worth with XXXX non refundable until I get a loan or the end of XXXX. I reported back in XXXX that I was divorced and thr home was awarded to me they didn't make the changes now the check can't even be given to me because my husband was dull on the loan so I can't even use that money to help us find a place to stay for the meantime. I have no family here other than my mom who has worked all her life to have her home and she's willing to put her house for us to get a loan to regain our home back bit her DTI in too high so we can't get approved for a loan. Please help me. Ocwen is the most fraudulent mortgage company ever. I'm out a home, escrow payment and attorney fees. I don't care about anything else 3 but this was my kids home and they took it from us. Im desperate. My son graduates this Saturday from high school which he worked so hard to do, and the only thing he's got to look for and not having a place top come to after graduation. He wants nothing but to have his home back.
Product: Debt collection

I have Best Buy credit card ( Citibank ), and have been receiving harassing calls after paying my {$25.00} payment - not exactly a huge debt. 

With my husband having been recently been hospitalized, right or wrong, that small payment was last on my to-do list. Yes, I was late ; however, I took the initiative to call them directly this morning ( approximately XXXX on XXXX ) to make XXXX payments ( {$50.00} ), including the scheduling of the next. By about XXXX, I noticed I had missed another call from Citi/Best Buy with regard to my outstanding payment despite having satisfied it. In response, at XXXX, I called Citi/Best Buy again to ensure that my account was up to date, considering I received such confirmation earlier in the morning. She said all was well, and that they 'd cease the calls. 

Sure enough, at XXXX I was called again by the same number ( XXXX ). This time I explained to her that I 'd verified TWICE that my account was up to date, and that this was the second harassing call after having paid. I politely warned them not to call again, but my expectations are low. The representative, in a condescending tone, blamed it on their auto dialing system. She abruptly hung up on me after I mentioned the fair credit reporting act and my intent to file a complaint. 

As someone who worked for a XXXX XXXX institution that took its fair share of penalties a few years ago, I know there is absolutely NO reason that their so-called " dialing system '' ca n't be linked to updated account data. It 's ridiculous and rude. I 'm sure I 'll get another at XXXX and likely again tomorrow. If there is anything that can be done, I would appreciate it immensely. 

I did a little research on the toll free number I mentioned above, and saw similar complaints on XXXX notes-type sites. Apparently Citi and Best Buy are known for this. ( I have accounts with other institutions, and have not had a similar issue. ) Thank you.
Product: Debt collection

I want to officially write a complaint against this company about the alleged debt as I believe they have violated the FDCPA. I never made a transaction with this company and I don't know about this debt that they are tryng to collect from me. I have previously requested for a debt validation documents but I have yet to recieve a proper response from them so I want to take this to your attention and please investigate because I honestly unaware of such debts. This company have different account numbers listed on my report and they are the following : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX
Product: Consumer Loan

GM FINANCIAL keeps billing me and sending me financial information of a debt I had after asking them to STOP.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 15 U.S.C 1681 section 602 A. States I have the right to privacy. and according to 15 USC 1681eb they are supposed to ensure this 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 relates.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse items of information other then records of convictions of crimes which antedates the report by more then seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

I Have attached supporting documentation from my personal credit report, attachments will be in order of accounts above. All errors and inacurrcies are highligted.
Product: Credit reporting or other personal consumer reports

while looking into my credit credit report XXXX XXXX I noticed some accounts weren't accurate nd incomplete. According to the FCRA when a consumer reporting agency prepares a consumer report it shall follow reasonable procedure to assure maximum possible accuracy of the information concerning the person who the report relates this account : XXXX XXXX XXXX XXXX # XXXX I never had an account with this company, also the dates and amounts are different on my credit reports. 

XXXX XXXX XXXX Account # XXXX The dates and amounts reporting are incorrect XXXX XXXX XXXX  ACT # XXXX the dates and amounts are incorrect. 

XXXX acct # XXXX dates and payments are incorrect and this is too old to be on my credit report. 

I've sent letters to these companies asking them to reinvestigate these accounts. I got response back but notice nothing was modified which is a violation of 15 USC 1681i ( 7 ).

They also violated 15 USC 1681i ( 5 ).

I also have incorrect personal information like my home address and last name attached is my ID with my correct address and name.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX and Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, XXXX XXXX sections XXXX within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX : {$1000.00}
Product: Debt collection

I was in the XXXX XXXX XXXX.letter attached agmt to pay rent thru XX/XX/XXXX I moved before XXXX. 
XXXX XXXX hope Director and a Captain were aware of issue. 

I did not find out rent wasn't paid I nyil XXXX / XXXX who months after vacating apt now credit down XXXX points and bill in collections shown in this body is email to all concerned together with XXXX XXXX XXXX response to pay.. still in collections as of this moment. 

Sent from XXXX Mail on XXXX  -- -- - Forwarded Message -- -- - From : " XXXX '' XXXX To : " XXXX '' XXXX Sent : Mon, XX/XX/XXXX at XXXX XXXX  Subject : Re : XXXX you didn't pay XXXX rrnt, XXXX XXXX It's in collections my name. 

Sent from XXXX Mail on XXXX  On Mon, XX/XX/XXXX at XXXX XXXX, XXXX XXXX XXXX wrote : Hello XXXX XXXX, XXXX, this final bill will be paid. I will follow up with XXXX XXXX. Thank you. 

Get XXXX  for XXXX From : XXXX XXXX Sent : Sunday, XX/XX/XXXX XXXX XXXX  To : XXXX XXXX XXXX Subject : XXXX : XXXX you didn't pay XXXX rrnt, XXXX XXXX XXXX this please, XXXX. 

XXXX Sent from XXXX Mail on XXXX  -- -- - Forwarded Message -- -- - From : " XXXX '' XXXX To : " XXXX XXXX '' XXXX Sent : Sun, XX/XX/XXXX at XXXX XXXX  Subject : XXXX : XXXX you didn't pay XXXX rrnt, XXXX XXXX XXXX XXXX XXXX XXXX I pay XXXX XXXX XXXX told me she XXXX XXXX that XXXX XXXX XXXX from XXXX Mail on XXXX  XXXX XXXX - Forwarded Message -- -- - From : " XXXX '' XXXX To : " XXXX '' XXXX Sent : Sun, XX/XX/XXXX at XXXX XXXX  Subject : you didn't pay XXXX rrnt, XXXX XXXX you didn't pay XXXX XXXX you promised XX/XX/XXXX please take care of this as you agreed XXXX XXXX Sent from XXXX Mail on XXXX Show less
Product: Debt collection

Account resolution Cor is reporting on my credit report. I advised them I never received a letter and had no idea this account was in collections on the last day of XX/XX/2021. They advised me they would get me a letter out, I have yet to receive it but they did report this negatively on my credit again today. Can I at least get a validation letter before they start tanking my credit?
Product: Credit reporting or other personal consumer reports

Ive called and sent letters to XXXX, Experian and XXXX. I counted how many times each company violated my privacy ( XXXX ). XXXX had XXXX, Experian had XXXX, and XXXX had 401 violations. I sent them each a copy of my credit report with highlighted violations 3 weeks ago and havent heard back from any. They also violated 15USC1681c- ( a ) and 15USC1681 ( 5 ) which says they can not put anything adverse on my credit report except convicted crimes, by putting credit card utilization on my credit report thats adverse info. When they add hard credit checks or soft credit checks thats adverse info also. There should only be the name of the credit card and paid as agreed with nothing else. I also asked them on the phone and highlighted all the old non-mailable addresses and phone numbers to be removed.