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

I traded my XXXX XXXX in for a XXXX XXXX on X/XX/2017. XXXX told me that they would pay the last XXXX remaining payments on the XXXX XXXX. I received a bill in XX/XX/XXXX for the XXXX XXXX. I called XXXX XXXX and XXXX. They told me not to worry that they were handling it and that it would n't show up as a late payment on my credit report. I then received another bill from XXXX XXXX in XXXX, 2017. This time I drove down to the dealership ( XXXX ) and spoke with accounting. I also called XXXX XXXX. I was told that they were n't sure what happened, but apparently they had some type of accounting error. I was again reassured that my credit would n't be affected. My wife checked my credit report and saw that XXXX XXXX did in fact report a late payment for XXXX, 2017 and XXXX, 2017 to TransUnion as well as XXXX. I drove directly to the dealership and was told they would handle it. Finally, after two months ( XXXX, 2017 ) they cut me a check, in which I turned around and paid XXXX XXXX that very minute. I called XXXX XXXX XXXX different times speaking with XXXX and then again a XXXX requesting a letter showing the mistake made on their part and requesting that they notify the credit reporting agencies correcting and removing the two late payments. I finally received a letter from XXXX XXXX on XXXX XXXX, 2017 stating they would do so. My credit report still shows the two lates payments for TransUnion and XXXX. These two late payments need to be corrected and show paid on time. Not to mention they also showed the XXXX XXXX on my credit report as if I still owned it for those two months when it had already been resold to someone else. This has adversely made my Fico score plummet all because of an accounting error?!! I kept being reassured that my credit would n't be affected.
Product: Credit reporting, credit repair services, or other personal consumer reports

A hard inquiry on my credit report without my consent
Product: Mortgage

Ditech mishandled my escrow, credit reporting, and deed in lieu process from 2006 until today.
Product: Money transfer, virtual currency, or money service

AppFolio is charging {$2.00} per payment for online payments. This is anti-consumer and illegal under the junk fees legislation passed the last couple years. Please do something. Millions of people are forced to pay this unnecessary fee because of corporate greed and corruption.
Product: Checking or savings account

On XX/XX/XXXX I wrote the Check # XXXX to XXXX XXXX in Oregon. I did ask the Title Co. for the Check refund on XX/XX/XXXX but they said that they have never receive it. Called Wells Fargo on XX/XX/XXXX. They said, that the Check was cashed on XX/XX/XXXX and canceled my Acc. and opened another one with different #. They said that they will refund my $ XXXX.-. Today I have spend over hour on the phone with one of their department after another, always talked to supervisors but it seems to me that they are not willing to refund my $ XXXX.- at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account # XXXX and account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A. Section 2 : its also states a consumer reporting agency CAN NOT furnish an account without my written instructions.
Product: Mortgage

Please DO NOT allow OCWEN ( now PHH ) to continue their wrongful/improper/illegal foreclosure to struggling homeowners like us who are minority seniors. CFPB ( you ) have sued Ocwen for their unfair practices, widespread errors and yet they continue to do so. They want us to vacate the property ( our primary residence ) in exchange for cash for keys. They sent this offer before XXXX XXXX ( before the holidays ) but we did not take their offer CFPB issued a cease and desist and license revocation order against Ocwen.

They failed to assist homeowners seeking foreclosure alternatives. They want us to be homeless or move out to the streets during the pandemic/omicron surge? It's like pushing us to our death. How cruel and inhuman Ocwen/PHH can be to XXXX senior citizens like us? Our property was foreclosed XX/XX/XXXX and the Trustee sale was awarded and recorded to Ocwen as the Trustee Deed Upon Sale.I wonder if Ocwen at that time is still licensed to do business? Our property 's Grant Deed is to XXXX and XXXX XXXX, husband and wife as joint tenants when we bought it on XX/XX/XXXX. It was refinanced on XX/XX/XXXX under my husband 's name only with All American Finance/Loan Experts but transfer ring interest to XXXX Bank XXXX There was a break and in the chain of assignments. Loan experts is no longer in business and there is no one capable of executing an assignment. It was also mistakenly not recorded as the bank admitted. Where a true XXXX XXXX property between husband and wife exist, the interests of each should be their separate property. When spouses take title in joint tenancy, each spouse holds his or her interest as separate property under California law if the community property presumption is overcome. Regardless of the state of the title, property must be either one or the other. It can not be both. They can only foreclose the 1/2 interest of the debtor ( my husband ) but not my 1/2 interest in the property or maybe their lien is invalid? We need your help to stop OCWEN/PHH from victimizing people like us. 

Our Ocwen/PHH XXXX Property XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Report : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX OF XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX
Product: Student loan

Back in XXXX I was XXXX years old and remember being very diligent about my finances and accruing student debts. I applied for as many scholarships and grants that I could qualify for with the hope of receiving as much financial assistance that I could to utilize towards furthering my education. In XXXX I enrolled in the University XXXX XXXX XXXX where I finished my XXXX XXXX. I did this because while attending that school the tuition was roughly half that of the main campus at the University XXXX XXXX. I did all of these laborious tasks to cut down my costs for higher education. After receiving my XXXX  degree and not being able to afford to repay my student loans, I called your organization to hear my options and ask for assistance. I signed up for the deferment plan versus an income based repayment plan because the representatives stated that deferment would be the best option for me based on my financial situation. I feel as though I was mislead by not being advised to utilize the income based repayment plan, which would have been the best option so that I would not have had to use finite loan deferment time while also accruing more interest on the loans. 

Once I graduated with my XXXX degree, I realized that I couldnt afford to repay my student loans even though I was working two part time jobs. Around XXXX I was finally advised by your representatives to enter an income based repayment plan. In XXXX, I moved to XXXX XXXX, CA and it took me roughly 4 years to gain employment where I could finally afford certain necessities such as health insurance and a 401k account. Less than a year into that position, I am now required to pay student loans that I simply can not afford. The cost of living in XXXX XXXX is almost 50 % higher than the national average and in order to live in accordance with societal expectations, one must budget accordingly. The monthly payment estimator on your website states that in the current program that Im enrolled in, I will owe $ XXXX/month. That is upwards of 20 % of my take home income. The estimator does not take into consideration the cost of living expenses for residing in a more costly city like XXXX XXXX, which makes it more difficult to save towards any future goals, such as buying a home or saving for retirement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I monitor my credit scored via XXXX XXXX and noticed that Equifax ranking of my credit worthiness had plummeted. I did not sign up for any credit cards, cars, homes or anything that could possibly explain the drop. I went on line and found an email address and phone number. I called and after almost 45 minutes on hold I finally spoke with a rep in another country with limited language skill and other than selling me one of Equifax packages could do absolutly nothing. To date I have spent almost {$200.00} to have various reports and analysis done with NO results ... I just ended a chat session with someone from their web site and was again told to contact the toll free number where I would again spend hours with no help. I asked for an address to write Equifax and was told i had to call customer service. 

Given their lack of security and illogical ways of dealing with issues when brought to their attention I find it dumbfounding that they are allowed to operate let alone be entrusted with something as intimate and vital as someones credit worthyness. 

The only thing that I could see on my report was an inquiry from more than a year ago I didn't recognize and that they have an home I purchased to stay in while in Florida on business and not my home I co-own and have lived in for more than 20 years. Again, I can not find any means to even explain this in writing let alone be so privileged to actually speak with someone from a company doing so much harm to my financial well being.
Product: Money transfer, virtual currency, or money service

My money has been in PayPal for a long time, but I still can't withdraw my money. I need to withdraw my money XXXX XXXX
Product: Vehicle loan or lease

After filing a complaint with the CFPB the company responded and requested that i file an application for hardship along with a statement and return same. I followed the companies request and received a denial notice stating i needed to submit further documentation in regards to my situation. I completed a hardship form from there site along with a statement as they requested. I am in fear that my vehicle will be repossessed at this point and i only want to work out a solution to keep the vehicle and get back on track with the payments. I am unable to come up with three months of payments and i am sure i will be receiving a " Right to Cure Notice '' from Pentagon Federal Credit Union. 

This is there response : Dear XXXX XXXX XXXX, Thank you for contacting us about your loan ( s ). Based on a review of the information you provided to us on your Financial Hardship Application received on XX/XX/XXXX, your request for assistance is incomplete and requires additional information from you. In order to complete your application, please provide the following forms, documentation or information : Completed PenFed Financial Hardship Application : Detailed explanation of hardship as requested on page one of the Hardship Application. The Used Vehicle Refinance Loan account that you are requesting assistance on was just taken out in XXXX of XXXX, and we have received only received 2 payments on the account ; in order for us to offer assistance on the account we need to better understand what has changed with your finances in that short time to cause the financial hardship. Your explanation provided states the hardship had not began in XX/XX/XXXX. 
Documentation to verify your stated hardship reason dated within the last 90 days : Documentation verifying how the XXXX or XXXX caused your financial hardship ( ex : unpaid leave/FMLA, unemployment, reduction in income, medical bills, etc ) **please do not send detailed medical information** **DOCUMENTS MUST BE DATED WITH THE LAST 90 DAYS TO BE CONSIDERED VALID** The necessary documents and/or information to make your application complete must be received by XX/XX/XXXX. Please do not send documents directly to your analyst as it does result in excessive delays for review. You may send them via upload on the website through your online account, fax to XXXX, email to XXXX, or by mail to : Pentagon Federal Credit Union / Attn : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX PLEASE DO NOT SEND DOCUMENTS TO ME DIRECTLY AS IT DOES RESULT IN UNNECESSARY DELAYS. ALL DOCUMENTS ARE REVIEWED IN THE ORDER OF RECEIPT. 


Sincerely, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  : ( XXXX ) XXXX ext XXXX | F : ( XXXX ) XXXX XXXX | XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX for driving under suspension. XX/XX/XXXX for disorderly conduct. I need more information about what these two things are for at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX. Exactly what does driving under suspension mean? What is this for? What disorderly conduct? What does this mean? Where did this happen? What does this involve? How did this get on my background check? Why wasn't I asked about this?
Product: Credit reporting, credit repair services, or other personal consumer reports

A few months ago I found out that there had been three hard inquiries added to my credit file. I didn't recognize the companies nor had I authorized them to run my credit. I mailed a letter to Transunion over 30 days ago and have not heard back from them. These are the three companies involved that Transunion shows have reported hard inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX
Product: Credit card or prepaid card

Capital One is involved in fraudulent account tampering. Every month I get an alert from XXXX but I could never open up the account not get access. I believe it is someone at HQ is responsible for fraudulent transactions
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Formal Dispute of Charge-Off Account Immediate Action Required To Whom It May Concern, I am writing to formally dispute the inaccurate and unlawful reporting of a charge-off account XXXX XXXX XXXX XXXX bal. {$310.00} on my credit report. This account is reported in direct violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Truth in Lending Act ( TILA ), 15 U.S.C. 1635.

Under 15 U.S.C. 1692g, I am entitled to a complete and accurate validation of any alleged debt. To date, no proper validation of this debt has been provided to me. Reporting this account without proper validation is a clear violation of federal law. 
Additionally, 15 U.S.C. 1635 grants me the right to rescind certain credit transactions. If this account is related to a credit transaction that qualifies under this statute, and I was not properly informed of my right to rescind, the account is being reported unlawfully.

I demand the following actions be taken immediately : 1. REMOVE the charge-off account from my credit report.

2. PROVIDE full validation of the alleged debt, including original signed contracts and a complete payment history.

3. CEASE all further reporting of this unverifiable and inaccurate account.

Failure to correct this violation within 15 days of receiving this letter will leave me no choice but to pursue all available legal remedies, including filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and taking legal action to seek damages.

I expect prompt resolution of this matter. Please send written confirmation once this account has been removed from my credit file. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am urgently informing you that I am a victim of identity theft, which has resulted in several fraudulent accounts and inquiries being added to my credit report without my knowledge or consent. I am requesting immediate action to address and remove these inaccuracies. 

Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries - XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I have filed an identity theft report with the Federal Trade Commission ( FTC ) and demand the prompt removal of these fraudulent entries to restore the accuracy of my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the removal of my account from your credit reporting database. It has come to my attention that XXXX XXXX is no longer reporting my account information to the credit bureaus, which has negatively impacted my credit profile and ability to access credit. 

My account with XXXX XXXX has been in good standing for several years and I have consistently made on-time payments in accordance with the terms of the agreement. However, I recently discovered that my account information no longer appears on my credit report, leading to a decrease in my credit score and potential difficulties in obtaining credit. 

The removal of my account from the credit bureaus ' reporting system is inaccurate and unfair, as it does not accurately reflect my credit history and responsible credit management. It is essential that my account information is accurately reported to ensure a fair assessment of my creditworthiness by potential lenders and creditors.

I respectfully request that you investigate the matter and reinstate the reporting of my account with [ Company Name ] to the credit bureaus. I have attached relevant documents, such as account statements and payment history records, to support my claim and facilitate the resolution of this issue. 

I appreciate your prompt attention to this matter and request that you provide me with written confirmation once my account information has been reinstated in your credit reporting system. Please contact me if you require any further information or clarification. 

Thank you for your assistance in rectifying this situation and ensuring the accuracy of my credit report. 

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

I had told them to kindly supply me with any signature or financial account that ties me with the account and if they couldnt they should cease and desist from reporting the negative report they are reporting to all the credit Bureaus and this is being going on for a year and they havent changed anything I have made numerous calls and written several letters
Product: Credit card

I had a Wells Fargo business credit card. There was never anything in any terms or conditions that I agreed to that said anything about two issues : 1 ) A right of offset and 2 ) a Personal Guarantee.

I was having problems paying the card. Wells Fargo told me to go delinquent. Then, they took approximately XXXX from a business account with my partner 's capital contribution. 
I asked the bank for proof that I was advised of any right of offset either on my bank account or the credit card. They could provide none. Instead, they sent me pages of account agreements, which were all new, not a copy of one allegedly applicable at the time. Further, they NEVER provided one document that proves I agreed to these terms. No signature, either live or electronic, was ever produced. I asked Wells Fargo to return the money, but they didn't. They must return the money they had no contractual agreement with me, period, much less on that would result in a right to offset in the event of credit card delinquency. They have no evidence I asked for the card I was ever advised that it was a personal guaranteed card or had a right to offset. I did not sign any bank account agreement never signed any agreements, They just sent the card and opened the bank account. 

Wells Fargo has stolen my money. I have not yet filed an FBI report. This action started a massive downward spiral that has destroyed me financially. I had to reimburse my partner the XXXX with high-interest rate credit cards. Wells Fargo has all the power, but I don't have the money to sue them. They know this. You must force them to comply with the law. If they can not produce any evidence I agreed to any such terms, then they have no legal right to take the money from the bank account, and to make it worse, they duped me into being delinquent when I asked for help so they could exercise this right they never possessed. Please do your job. Dont let them get away with this. Every year, Wells Fargo is found guilty of violating dozens of laws. But the consumer is never made whole. 

This was a XXXX XXXX to XXXX XXXX the bank account they offset and stole the money from was XXXX XXXX XXXX XXXXXXXX ending in XXXX
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the XXXX data breach. I request that this item ( XXXXXXXX XXXX XXXXXXXX ACCT. NO. XXXX ) be deleted from my credit report effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim to it's data breach and XXXX has done nothing. Please help me delete this illegally account from my credit report. XXXX has already removed this illegal acct. 

My XXXX claim number for this data breach is : XXXX My Experian engagement number that was given to me by XXXX is XXXX Thank you!