23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have contacted WorldOmni multiple times with no resolution. The car was repossessed XXXX. Following the repossession no notification was given, by law in NC, of time and place of sell of car. I received no written information afterwards on the debt, the details of the sale of car, the amount of loan left. When I contacted them there was {$6900.00} then the next time I contacted them it was over {$8000.00} in debt they stated it was their interest. I requested to see documentation in my loan paperwork that it was valid. I requested multiple times to have information sent to me on the amount of the loan, the amount of the sale when and where it took place, and the amount of debt that was owed. They continue to not provide me with information, and have steadily been increasing the amount with no documentation showing me where they had the right to do that. They broke NC law when the car was repossessed as they gave no notification of sale time and location but rather told me to pay full amount of loan to get back car within 48hrs.Since that time they have provided me with no documentation of which I have been requesting. 

I have received zero documentation from WorldOmni at my home which my address has not changed.
Product: Debt collection

XX/XX/XXXX I received a voice mail stating they were trying to collect an old debt. I do not have any delinquent credit accounts so I didn't respond to this voicemail. they called a few more times and today called my XXXX XXXX. I returned the call today at XXXX and was told I owed {$1500.00} from XXXX and they would settle for a lesser amount today. I asked for the information to be emailed to me and all they sent was a payment agreement but information regarding the originality of the debt except that it was from a credit card from US bank with whom I have never done business. When I asked through email for more information I was told the case would be marked refused to pay and he wished me good luck. Clearly this is not a valid debt however my concern is that the caller read to me my social security number and my current address and an old address from many years ago
Product: Debt collection

I received a notification from RFGI Rozlin Financial Group that they were attempting to collect a debt I allegedly owed XXXX  of XXXX. In response I called XXXX XXXX account mgr. and told her that I never was involved with XXXX, that apparently someone attempted to use my identity to create a profile on XXXX, a dating site, and charged the fees to my credit card. There were other fraudulent charges on my card as well. When I noticed the fraudulent charges I shutdown the credit card and the credit card issuer denied payments These charges have all been resolved, however ; XXXX refused to cooperate even though they were notified within 48 hrs of the charge being made and even though I've never used their " service ''. I attempted to explain situation to XXXX representatives on more than one occasion and they were unresponsive. Now it seems obvious that they've " sold '' this debt to RFGI. XXXX XXXX, their representative instructed me to file a report with IdentityTheft. gov however I've been utterly unable to effectively do so on that platform as it won't allow me to sign in. Besides I doubt that identity theft is really the best description of what actually happened. Someone attempted to use my identity to their own ends on this XXXX  site, apparently, but that's not my problem. My problem is they stole my credit card info to pay for it. I don't even know if a dating profile claiming to be me was ever posted because I never went to the XXXX  site.
Product: Credit reporting

My Experian report dated XXXX/XXXX/XXXX reflects XXXX inquiries for credit facilities for which I DID NOT apply : XXXX XXXX XXXX on XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX, EXPERIAN XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, EXPERIAN XXXX XXXX/XXXX/XXXX, EXPERIAN XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, EXPERIAN XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, EXPERIAN XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX, I XXXX/XXXX/XXXX and XXXX XXXX XXXX XXXX/XXXX/XXXX., XXXX XXXX XXXX/XXXX/XXXX. I suspected identity theft and have put fraud alerts on my credit reports with each of the XXXX credit bureaus. In the meantime, these inquiries need to be removed from my report as they were fraudulent. I reported them as fraud to Experian on XXXX/XXXX/XXXX but they have failed to remove the above listed fraudulent inquiries even though they placed a fraud alert on my report. These inquires are causing harm while looking for employment as they show as though I have applied for credit which I did not.
Product: Mortgage

THIS ATTACHMENT SERVES AS AN ADENDUM TO REPORT XXXX SUBMITTED XX/XX/21, I AM REQUESSTING A LEDGER OF ALL PAYMENTS WHICH WERE COERCED FROM THE CEO OF XXXX XXXX XXXX  THROUGH TREATMENT AND ATTACHMENT AND BONDING CENTER OF XXXX. I AM UPLOADING ONE COPY OF THE OFFICIAL LETTER OF FILING. DOROUGH AND DOROUGH LAWFIRM FILED ON THE AGENCIES 2 TIMES. THIS MONEY WAS NOT OWED AS THE AGENCIES DID NOT OWN BUILDING ADDRESSES LISTED. AGAIN, THE CEO 'S EX BUSINESS PARTNER EMBEZZLED MILLIONS OF DOLLARS VIA THE SBA UTILIZONG CURRENT CEO 'S INFORMATION. UNBEKNOWST TO CURRENT CEO HE SIGNED LEASED FOR BOTH BUILDINGS AND APPEARED TO HAVE DISTRIBUTED MONEY TO ALL PARTIES INVOLVED INCLUDING THIS LAWFIRM. THEY EVEN THREATED TO CUT ALL OF MY WATER OFF AT EACH BUILDING WHILE SERVING CLIENTS. BASICALLY, I WAS HARDMED FINANCIALLY AS I UTILIZED PERSONAL FUNDING IN ATTEMPT TO CONTINUE SERVING CLIENTS WITH MENTAL HEALTH ISSUES. THIS IS SO SAD! THIS MONEY WAS NOT EVEN OWED THEY STOLE FROM ME PERSONALLY! THEY JUST WANT ME OUT SINCE MY EX PARTNER LEFT AND THEY HAD NO ONE TO EMBEZZLE AND LAUDER MONEY THROUGH, I CERTIFY I HAD NO KNOWLEDGE OF ANY ILLEGAL ACTIVITIES MY EX-PARTNER WAS INVOLVED IN, I WAS FOCUSED ON SERVING THE KIDS AND FAMILES WITH MENTAL HEALTH ISSUES. THIS IS ONLY A PERCENT OF ALL THE EVIL THINGS THEY DID TO ME IN ORDER TO REMOVE ME FROM THE XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : 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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card

I have an account with Comenity Bank ( XXXX XXXX credit card in XXXX ). I bought a laptop with a promotional price of {$3000.00}. The payments were set for 12-month autopayments of {$250.00}. I just set the payment plan and forgot about it. After that, I bought another laptop and a device but I immediately paid them off. When it comes to the last {$250.00} payment I get a charge of {$730.00} extra accrued interest. It turned out that my promotional plan ended a month prior. I didn't get any notification about the ending of the promo. I contacted them via inside mail and they ( looked like a robot ) advised me to go to the statements and see that the plan expired, also they said they could not reach me through the phone call as it's not possible in their system. Honestly, I never read statements before assuming that I was good cos I had the autopayments plan. I tried to explain that it was not that I didn't want to pay it was just confusion with the autopayments. As a result, I got a robot-like response saying the same and not solving the issue. In my frustrated state of mind, I decided to pay it off and let them know that I would file a complaint against them and possibly sue them. I strongly believe that this promo and payment plan are intended to confuse a customer in order to charge extra money. I want justice in getting back the overpaid amount of {$730.00} and a human attitude, not a robot-like one.
Product: Credit reporting or other personal consumer reports

I am having an issue getting my consumer report from Early Warning Services. I want Early Warning Services to mail me a full and complete copy of my consumer report. Full Name : XXXX XXXX XXXX, XXXX : XXXX XXXX : XXXX
Product: Debt collection

They are rude and unprofessional. She used profane language with and she had an attitude with me when I explained my situation about what happened. I even asked to have my account handled by a different representative and she said No your XXXX stuck with me, now pay your bill and hung up
Product: Debt collection

XXXX XXXX XXXX CHARGED OFF MY ACCOUNT AND SOLD IT TO A COLLECTION COMPANY, CAINE & WEINER, THEY REPORTED TO MY CREDIT REPORT THAT I OWE THEM MONEY. I DONOT HAVE ANY DEALINGS WITH CAINE & WEINER. IN THE LETTER THEY STATED THAT MY ACCOUNT QUALIFIES FOR CREDIT REPORT DATA FURNING BY CAIN & WEINER. WE FURNISH INFORMATION TO XXXX, XXXX AND XXXX. THIS IS ATTEMPT TO COLLECT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 
CAINE & WEINER XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX. # XXXX. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX. 
# XXXX XXXX XXXX.I HAVE THE PAPER THAT CAINE & WEINER SENT ME. 
THANK YOU XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  TX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, and to whom it may concern, I've having ongoing issues with XXXX. I've tried multiple times to point out to them that they are reporting false and inaccurate information on my credit report. It's been 30+ days now and they have yet to respond to my dispute letter. XXXX are violating my consumer rights. I've pointed this out to them and they just don't seem to care and they are not taking me serious at all. Credit bureaus are supposed to be reporting 100 % ACCURATE INFORMATION as well as doing everything that they can to ensure that the information appearing on one 's report is accurate.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Fee 's were not reimbursed and as a result checking account was closed
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit act XXXX Account XXXX XXXX, has violated my rights. 
Per fair Credit Report act Laws you can't have a pass due balance on a closed Charge off account. 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. 

XXXX XXXXL Account # XXXX, Has violated my rights. 
15 U.S.C 1666B A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

18 USC 894 NO negative information should be furnished to your credit report without your lawful authority. Committing unlawful extortionate means such as furnishing late payments, chagere offs, etc.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX, Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am submitting this formal complaint regarding [ Equifax ] 's violations of the Fair Credit Reporting Act ( FCRA ), specifically 605B and 611, due to their failure to address fraudulent accounts on my credit report despite my proper notification and submission of required documentation. 

Statement of Pertinent Facts : On [ XX/XX/XXXX ] Complaint # XXXX, I submitted a dispute regarding several fraudulent accounts on my credit report. I provided [ Equifax ] with all required documentation, including : A valid identity theft affidavit ; Proof of address ; A copy of my government-issued identification ; and Despite this, [ Equifax ] failed to block the disputed items within the four business days required by FCRA 605B . Instead, they stated that the accounts in question were not going to be blocked and removed. [ Equifax ] 's response not only lacks transparency but also contravenes their obligations under 611 to conduct a reasonable reinvestigation and provide documentation of their findings.

Legal Basis for Complaint : Non-Compliance with FCRA 605B : Under 605B of the FCRA, credit reporting agencies must block information resulting from identity theft within four business days after receiving proper documentation. [ Equifax ] 's refusal to comply with this requirement constitutes a direct violation of federal law. 

Failure to Conduct a Reasonable Reinvestigation ( FCRA 611 ) : [ Equifax ] failed to adequately investigate and substantiate their claim of verification. The FCRA mandates that credit reporting agencies provide detailed information regarding their verification process, including the furnishers or third-party entities relied upon. This failure undermines my right to transparency and accuracy in credit reporting. 

Precedent Case Law : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : Establishes the responsibility of credit reporting agencies to ensure accuracy and address identity theft disputes promptly. 

XXXX XXXX Bank XXXX New York, XXXX XXXX XXXX. XXXX ( E.D.N.Y. XXXX ) : Affirms the consumer 's right to a fair investigation of disputes. 

[ Equifax ] 's inaction reflects a pattern of non-compliance with statutory obligations and a disregard for the legislative intent behind the FCRA, which aims to protect consumers from the severe repercussions of identity theft. Furthermore, [ Equifax ] 's failure to comply with the CFPB 's XXXX bulletin on handling identity theft complaints exacerbates this issue.
Product: Credit reporting or other personal consumer reports

In XX/XX/year>, I disputed an erroneous late payment reported by XXXX XXXX on my Equifax credit report for the month of XX/XX/year>. The dispute was resolved in my favor, with Equifax confirming the correction. However, in XX/XX/year>, the same incorrect late payment ( 60 days past due ) reappeared on my Equifax report despite being properly reported as " on time '' by XXXX and XXXX. 

I reached out immediately via email to XXXX XXXX and Equifax, including their legal departments, customer service, and executive offices, on XX/XX/year>, to highlight the error. Attached to my correspondence was the goodwill adjustment letter from XXXX XXXX confirming that the XX/XX/year> payment was timely. I requested an urgent correction since the error affects my ability to secure critical business credit lines. 

Despite resending my concerns several times ( including today, XX/XX/year> ), I have received no response or acknowledgment from either party. This issue arises solely on Equifax, likely due to a reporting or system error, as my XXXX and XXXX reports remain accurate.
Product: Mortgage

Please be advised that a large number of employees at CashCall Mortgage, under Impac Mortgage Corp XXXX id # XXXX have held a long secret, which is churning mortgage refinance applications over and over. I have seen this occur since before 2016 and I do not feel it is fair to the American public or to GSE 's like XXXX XXXX and XXXX XXXX and it is time that CashCall and key violator loan officers at CashCall be held accountable. The managers would look the other way when they knew loan officers were " retreading '' mortgage refinance applications. Shiesty loan officers like XXXX XXXX XXXX XXXX id # XXXX would use his cellular phone so that no call could be recorded showing he solicited the client in order to avoid issues with XXXX XXXX and XXXX XXXX. He also hired his wife to call out and solicit and churn loans over and over every 6 months some loans every 3 months. The matter was brought to the attention of VP at the time, XXXX XXXX and he sweeped thee issued undre the rug due to XXXX XXXX 's seniority at the company. Later, XXXX took XXXX applications with client 's confidential information and solicited clietns that CashCall refinanced while he worked at XXXX XXXX, then at XXXX XXXX and now where he is working at XXXX XXXX XXXX XXXX XXXX. There were other violators of the comapny 12 month retread policy ( to keep things smooth with XXXX XXXX XXXX but many of the managers looked the other way when guys like XXXX or XXXX XXXX XXXX XXXX XXXX XXXX XXXX to fatten their pockets while costing XXXX XXXX and XXXX XXXX money , but by far the biggest offender and most unethical, cunning mortgage loan officer of all time that anyone will encounter is XXXX XXXX XXXX I assure the CFPB if you investigate this mortgage officer 's history, obtain a warrant to search his home or computers you will find that he has confidential borrower information including social security numbers, date of birth, addresses and names illegally obtained from every company he has worked at.
Product: Credit card

Synchrony Bank added fees onto my account that should have fees for each purchase I made on top of the purchase, claiming that the store offered an interest free promotion, so the bank added their own fee. This is illegal, you can't just tack on extra fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was scammed by loan companies in order to refinance federal loans i was receiving grants for they took loans and sold off to different companies without authorization i believe my loans are from uncredited schools and are not rightfully mine I would like them removed from account they are affecting my life with an unreasonable amount I'm not able to pay and don't believe are mine. Lots of scams attack XXXX  XXXX and we will never get out of debt.
Product: Mortgage

This loan company has giving me the run around about helping me with Modification from the beginning, I got divorced and the court assigned the home to me, I got behind on payments because my exhusband refused to help me in good terms, I had totake him to court to obtain help and that took months and i was told by the loan company apply for modification, I have send 3 applications and they keep denying it, every time they give me a different reason, just today again they told me because of a modification back on 2011, if that is the reason why they didn't see that at the beginning when I fist applied, I am not on the Loan but I am the person paying and living in the property, I did explained my situation that when I first got behind a payment my ex husband didn't want to speak to them about any kind of assistance, he told me that he didn't want nothing to do with the house and I was on my own, he refused to speak to them, The loan company told me that he was the only one that can request help, my foreclosure is suspended now because of the Corona Virus but after this passes I still need the help, can you please help, thank you
Product: Checking or savings account

This has been a long time ago but I was an employee of Wells Fargo and had 2 checking accounts with overdraft protection. 2015 I believe. I had the wrong debit card with me but used it because the funds should have automatically transferred from the other account to cover the purchases. I then had a large payment come out and instead of transferring the funds as they should have it even covering the small ones then charging the {$35.00} fee for the big payment they pushed the big payment through and charged me {$35.00} fees for every small purchase I had made prior to the large payment. At the time I called my supervisor called over and over to get it fixed and I think they waived one fee still leaving about XXXX overdraft. I would give you more details but I contacted them last month asking for account records and all they did was try to collect the {$10.00} they are saying I still owe them. I again requested the records from them but was sent only a collection notice for {$10.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received from XXXX someone apply for a personal loan with my information and I havent done that in the last 6 moths so this company name PERSONIFY show as my recent hard inquiry on my report some stole my information and apply to this company
Product: Student loan

My payments for my education loans are typically {$250.00} a month due on the 28th of each month as of XX/XX/XXXX. I have made my payments 1-2 weeks ahead of time since repayment resumed. As of XX/XX/XXXX, I have been getting payment reversals from edu financial services. I contacted them and was told my bank information was either incorrect or my bank had denied the transaction for fraudulent reasons. I then called my bank to verify and was told no attempt of payment was made to the account at all. I have now received 2 payment reversals, and am now past due on my loan accounts despite attempting to pay on time. My checking account has never been insufficient while attempting the payments. I am now worried my credit score will be compromised do to the past due date, despite multiple attempts to pay.
Product: Debt collection

I have identified information on my reports that are a result of identity theft. These items are not related to any transactions completed by me : MIDLAND CREDIT MANAGEMENT XXXX {$1200.00}, MIDLAND CREDIT MANAGEMENT XXXX {$510.00}
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX is reporting missed payments on a mortgage. A timeshare is not a mortgage ; it is an installment loan. The United States court of appeals recently ruled that a timeshare should not be reported as a residential mortgage. It is an installment loan. XXXX has breached their contract by not having availability but demanding payment.