23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

After my wife developed health problems disabling her, and I was asked to resign my employment due to the closure of the branch I was to work at, we began to get behind in our payments. My wife was diagnosed with XXXX XXXX and the work I found was only temporary and was not enough to feed us, pay utilities, and the mortgage. At the same time my mother in-law needed some help copping with the loss of her husband and her XXXX daughter. We made the decision to put the house up for sale and return to New Jersey. We had hoped to sell the house and avoid a foreclosure. Unfortunately we selected and ineffective realtor and signed a contract. We are now more the a year behind in payments. The mortgage company put a notice of foreclosure on the property and re-keyed the back door, ( this was in violation of our state law ) they had not received the documents to take this action at the time. The mortgage company has also informed the credit agencies that we are in foreclosure and we have never received documentation to this day that they are formally foreclosing on us. We consider this harassment because at our foreclosure avoidance hearing we specifically informed the parties that we are trying to avoid a foreclosure on our record and not one representative said that it was already appearing on our record, or would appear with out us receiving documentation. In fact we believed that if we do a deed in lieu we will avoid a foreclosure. We made it very clear that was our plan and we were not informed that it was n't an option.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed an error on an account that was closed in XXXX. The account was being reported late for XX/XX/XXXX. I have disputed this late record over 45 days ago and XXXX  has done nothing but collude with the company. XXXX  has done nothing to correct my credit report. The account is Loan Care LLC. Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There was nothing to explain further. I have been sending letters to Exquifax and XXXX for months now and I have repeated myself over and over again. Bankruptcy ChapterXXXX-petition filed XXXX, XXXX XXXX # XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX don't belong to me..I know this is an error and I ask you to PLEASE CFPB DELETE THE FRAUDULENT ACCOUNT
Product: Debt collection

The XXXX Credit Bureau won't diligently and investigate the medical bills I disputed with them multiple times and even provided documentation clearing my name from any medical bills during a XXXX that I was a XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting false information to my credit file. A collection agency : XXXX XXXX XXXX agreed in writing on this data base to remove all Collections from my credit reports and they have done so except for XXXX. When I asked them about it they said to contact XXXX but I have and have gotten nowhere. I want this Collection removed XXXX. Also I am a victim of the XXXX breach and wanted to extend my freeze and you denied me.
Product: Credit reporting or other personal consumer reports

GA Code 11-9-210 ( 2023 ) ( UCC Article 9 9-210 ) As a federally protected consumer I'm seeking proof of the alleged debt, under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. In a good faith effort to resolve this matter amicably, I have already demanded proof of the debt, specifically the alleged contract or other instrument bearing my signature in wet ink, as well as proof of your authority in this matter. 

CREDIT ACCEPTANCE HAS IGNORED all opportunities to AUTHENTICATE THE DEBT CLAIM ... .no AUTHENTICATION has been provided here in our correspondences, the CFPB can see no such evidence has been provided by CREDIT ACCEPTANCE Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. 

A bank or credit agency can be liable for identity theft if it negligently releases personal information that helps enable identity theft. The use of my non public information due to false reporting sharing with non affiliated 3rd parties. 

Failure to respond within 4 days of this letter will begin my small claims action against your company. I will be seeking { {$5000.00} } in damages for the following : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act After obtaining the judgment against your company, I will obtain a Writ of Execution from the Sheriffs office in your county and I will begin the process of attaching property or funds to satisfy the judgment. 

For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. 

This Notice is an attempt to correct your records, to authenticate your records and accounting and any information received from you will be collected as evidence should any further action be necessary. 

The Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ) will be notified regarding this alleged debt.
Product: Debt collection

I wanted ORIGINAL written verification of debt to validate their claim and that it's mine. 
They just ignore what I'm asking for and keep asking " How do you want to pay this debt? '' They are rude and just say company name and say " you owe and how do you want to pay? ''
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my sixth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a collection account that was resolve by agreeing to take it off my report which was suppose to raise my credit score but it shows the opposite on my report after the deletion
Product: Debt collection

If eyes into the previous crane financial shortly after they called my job and I told them I dont know who they are. Why are they calling my job and speaking with the secretary thats illegal they send me an email telling me to settle his debt. I dont know who they are or what theyre talking about, theres another violation and theyre also harassing me. They considered harassing my job emailing me. I think I would like to remedy. I want the remedy they keep telling me today I want the remedy.
Product: Credit reporting or other personal consumer reports

I opened a personal loan account for XXXX XXXX purchase in XX/XX/2023. UpLift company is the lender. My payments were accurate and always on time. From XX/XX/2023 company blocked my online access, hindering me to pay off my balance. I called them for maikng phone payment, was denied assistance. They escalated my account to collection in retaliation due to my complaint-demands to fix my account online portal system glitches and/or accept my payment over the phone. I was denied communications, never got callbacks or replies to my emails. This lender committed serious banking laws violations, banking discrimination and predatory lending. Attached is a proof of what problems I faced and continue to face up to date. My credit score was crushed fraudulently. I need your help to enforce the laws and intervent in this problem. The Uplift company has lengthy history of violations and bad reviews by similarly victimized customers. Review the XXXX Website and online platform, to better understand teh magnitude of their violations. This Lender must be investigated and audited.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I received notice that a negative collection was furnished on my credit report without permissible rights. XXXX XXXX XXXX has violated my rights under US Code 1681a, and have failed to establish evidence of a contract based upon validation of account being reported. Failure to validate said debt is in violation under FCRA law, but also under Truth and Lending. 

Remove this account immediately!!!
Product: Debt collection

I received an unknown call today, XX/XX/year> at XXXX from XXXX so I didn't answer the call and the following voice message was left with me : " This is not a solicitation. Please listen to this message in its entirety. I am contacting you in reference to certified documents that has been sent out to the address and have come back undeliverable. This is the third and final attempt to notify you regarding this matter at this time, our firm will initiate a cease and desist on all contact, and they will note this as a verified attempt to reach you and proceed with the original course of action. To speak to your case manager, you can contact our office at XXXX or you may press one to speak your case manager now. If there is no response, they again will continue without your participation, press one now.. '' I called the number XXXX and was connected with a person that said they were attempting to collect a debt I owed from XXXX XXXX XXXX XXXX XXXX XXXX XXXX They told me I could settle the debt for less today for around {$700.00} instead of paying the original amount ( around {$900.00} and some change ) and higher added attorney fees with court proceeding that will follow for over $ XXXX. He asked me to confirm my address and the last 4 digits of my ss # but I declined giving them any payments or any of my bank account information. I asked them to email me the offer but no email was received from the said company. 

I feel this was is a scam to collect my personal and financial information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I currently have a auto loan with XXXX, and I wasnt aware until Saturday XX/XX/2018 that my balance and payments has not been updated in one year, and due to this I was denied an auto loan with XXXX, including trading my current car because XXXX thinks Im one year late and my car is in repo status. It also shows my first auto loan with XXXX, that i only made 5 payments and i had the car for approximately 15months. So this isnt reporting correctly from XXXX. With this being said, I need my old auto loan that was paid in full and no late payments and my current auto loan with XXXX   updated, with all payments and current balance to all 3 credit reporting agencies.
Product: Debt collection

I have already attempted to dispute this and have been denied. But I have no clue what this is for and where the amount they came up with is for. I have never received any information via mail, electronic or telephone regarding this.
Product: Credit reporting, credit repair services, or other personal consumer reports

LexisNexis refused to accept my proper method of identification I have submitted. This is XXXX XXXX. This is a statement verifying my identity along with my proper identification. I would like to receive correspondence at the address XXXX XXXX XXXX, XXXX NY XXXX listed on my ID. Any future correspondence from this day forward is from me.
Product: Mortgage

I have been working with Caliber Home Loans on a mortgage modification. I had requested a fixed rate mortgage but they gave me an adjustable rate mortgage. I think that their practices are predatory. I want a fixed rate mortgage. They also did not give me enough time to examine the mortgage modification paperwork. I received the paperwork Friday, XXXX XXXX and they required that the documents were received back by them by Wednesday, XXXX XXXX. I had wanted to appeal the modification to get a fixed rate and a more affordable payment but they purposefully did not give me enough time to review the paperwork or to have an attorney review the paperwork. When I called them requesting more time they denied my request and told me that it was " take it or leave it ''. I believe that this is is another one of Caliber Home Loan 's predatory lending practices.
Product: Money transfer, virtual currency, or money service

On Monday, XX/XX/XXXX I requested a check from the Chime Banking app to be sent to someone for the amount of {$6400.00}. The funds were immediately deducted from my account. The check was sent in the mail the following day on Tuesday XX/XX/XXXX. The receiving party received the check on Wednesday XX/XX/XXXX and deposited the check into their account. Their bank flagged the check as returned on Monday XX/XX/XXXX. After multiple attempts reaching out to chime about this they were not able to provide me with any information as to where the money went. I have been fighting with them on this for over 2 months now with zero progress. All they keep telling me is that the check was " cashed '' which in fact it was not. I have documentation from the receiving party 's bank showing that the check was returned on XX/XX/XXXX. I submitted this to chime and they sent me documentation showing where the check was deposited which I already knew. The check was issued from XXXX  XXXX XXXX, clearly listed on the check, through XXXX XXXX. I went to a local XXXX  branch to speak with the branch manager about tracking down this money and luckily spoke with an account executive named XXXX. She spent approx. 48 hr backtracking through the account to see where the money was. She called me back to inform me that the check was indeed returned and that either Chime or XXXX XXXX has the money. She stated that the money should have been returned to my account however it was not. I am not sure if there is some type of fraud going on with this or someone is lying to me, however, I am now being sued by the receiving party for the total amount. {$6400.00}. I have never felt so helpless in this matter because I can not seem to make any progress resolving this between the two banks and can not afford to just dish out {$6400.00} for absolutely nothing. PLEASE HELP!!!
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Inquiries : XXXX XXXX XX/XX/year> : XXXX XX/XX/year> : Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed with the 3 major credit bureaus on more than 2 occasions regarding the hard inquires listed below. I was as victim of identify theft and none of these creditors had my permission to run my credit : Discover Financial Services Inquired XX/XX/XXXX XXXX XXXX Inquired XX/XX/XXXX XXXX XXXX Inquired XX/XX/XXXX XXXX XXXX  IInquired XX/XX/XXXX XXXX XXXX XXXX Inquired XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX inquired XX/XX/XXXX XXXX XXXX Inquired XX/XX/XXXX XXXX Inquired XX/XX/XXXX XXXX   Inquired XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX In Inquired XX/XX/XXXX XXXX XXXX Inquired XX/XX/XXXX XXXX XXXX Inquired XX/XX/XXXX XXXX XXXX XXXX Inquired XX/XX/XXXX XXXX XXXX  XXXX on XX/XX/XXXX XXXX XXXX Inquired XX/XX/XXXX XXXX Inquired XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX Inquired XX/XX/XXXX XXXX Inquired XX/XX/XXXX XXXX XXXX Inqiured XX/XX/XXXX XXXX XXXX Inquired XX/XX/XXXX XXXX XXXX XXXX Inquired XX/XX/XXXX XXXX   Inquired XX/XX/XXXX
Product: Bank account or service

American Express Centurion Bank is unreliable as a bank for disputes against unauthorized transactions period. They closed my account out after they though XXXX charges I authorized were not authorized!!!
Product: Credit card

I bought an ounce of gold from XXXX for {$2000.00} but never received it. I called the usps to see what happened as the proof of delivery said it was delivered on XX/XX/2023 and signed for by me, but the signature was not mine and I did not receive any package. The XXXX apologized and acknowledged the signature was not mine when I complained but said it was the merchants responsibility to handle the matter as they were the ones who would have insured the package ( I am unsure if they did in fact insure the package ). I then called XXXX, who said the item was sold by a third party merchant, and that all they could do was contact them and have them respond to me, and that I should dispute the charge with my credit card company. The third party merchant, XXXX, responded and apologized for the issue but since the XXXX tracking had the package as delivered they would have to investigate it. They requested I file a police report, which I did, and said they would respond when they complete their investigation. I have contacted them several times since and have received the same response, that they are still investigating the issue. Since I made the purchase with my Citi bank Best Buy Visa card, I contacted Citi bank to dispute the charge on the grounds I never received my purchase. Initially they sided with me on the issue after I provided documentation, but subsequently changed their decision and put the charge back on my card. I reopened the dispute and am still waiting for a response.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App XXXX Block , Inc . ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash app failed to timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconveniences and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Comenity Bank XXXX VISA is no longer reporting to my current credit reports. This account was definitely not fraudulent and I paid account in full on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, 2017 transunion has my credit account as closed the account is opened XXXX 2017 Disputed transunion verified as accurate XXXX 2017 Disputed transunion verified as accurate
Product: Credit reporting or other personal consumer reports

Subject : Immediate Request for Opt-Out and Deletion of Credit Report Tradelines XXXX XXXX XXXX XXXX I am contacting you to file a formal complaint and to assert my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), regarding unauthorized use and disclosure of my financial data. In accordance with 15 U.S.C. 6802, 15 U.S.C. 6805, the Privacy Act of 1974, and associated regulations, I am hereby revoking any permissions, whether explicitly or implicitly granted, for reporting my data. 
My credit score has been detrimentally affected by such information that qualifies as non-public personal information under 16 CFR 313, enacted under the authority of 15 U.S.C. 6801. Furthermore, sections XXXX and XXXX ( f ) of the same code explicitly state my right as a consumer to opt-out of data reporting at any time, a right which I am exercising and formally requesting enforcement through this letter. 
Here are the specific legislative and regulatory grounds for my request : XXXX. XXXX15 U.S.C. 6802XXXX - Mandates explicit consent for financial information disclosure, including a clear option to opt-out. 
XXXX. XXXX16 CFR 313 ( Privacy of Consumer Financial Information ) ** - Ensures my right to privacy and to block unauthorized personal information disclosure. 
XXXX. XXXX15 U.S.C. 1681XXXX - Protects the accuracy, fairness, and privacy of information within consumer reporting agency files. 
Based on these legal provisions, I demand the prompt removal of all details pertaining to my credit accounts from your records and reports. Non-compliance will force me to pursue further legal actions to safeguard my rights. 
Please send me written confirmation that my data has been erased from your records and an updated copy of my credit report. For any further details required to facilitate this process, you can reach me directly at XXXX. 
I appreciate your immediate attention to this critical matter and anticipate prompt confirmation that my rights, as legally established, are being upheld.
Product: Credit reporting or other personal consumer reports

My name is incorrect repeatedly, as well as the address of the apartment where I live, thus affecting a real report on my credit.
Product: Bank account or service

Following Ally Bank 's instructions from a phone call, I downloaded and completed their PDF form to add my wife as an account owner to XXXX savings accounts. Following the form 's instructions, I submitted it to Ally Bank 's online Secure Messaging system on XXXX XXXX. There was no change to the ownership status on XXXX XXXX, so I submitted reply to the original Secure Message. Ally 's reply on XXXX XXXX was to provide them with already-submitted account information in the form of account numbers. I provided this on XXXX XXXX. Ally then told me to submit paperwork, neglecting to see the original PDF submission. On XXXX XXXX, I replied to have them check their original records because they have this already on file. 

This is the second instance of Ally " losing '' forms that they give instructions to submit online via their Secure Messaging format. I do this because I prefer to send documentation that is encrypted with my username and password rather than fax. Secure Messages leave a paper trail. My first trouble with this was when I was trying to add my wife to a checking account. This second time shows an utter ignorance of this Secure Messaging platform they set up and suggest we use. 

It has now been over two months and my wife still does not see the savings accounts I wanted to join us as newlyweds.