23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

XXXX XXXX is XXXX XXXX Social Security XXXX XXXX XXXX Improperly They Used XXXX XXXX A Hiring/Recruiter To XXXX XXXX abiding citizens like myself Personal Info License and Social By asking to send screenshot pictures & they are applying for different credit applications causing hard inquiries on my credit report They Have Used My Info to apply For This Business card in my name than terminated my employment in just the third day of employment causing me to ask for police report Case # XXXX Company also uses XXXX for their communication to mistreat coworkers that are not XXXX they are not allowing equal opportunities with their established company instead farming all the money for themselves while stealing citizens identity XXXX XXXX XXXX I want American Express XXXX XXXX the XXXX hard inquiry that was not in written consent or knowledge of XXXX XXXX
Product: Checking or savings account

My account was locked and then closed after I received a deposit from the SBA treasury. I had this account for about 2-3 years, and get direct deposits every week. I called the bank a few days in advance to make sure that the deposit would get deposited because it was for {$10000.00}. I got the deposit Wednesday XX/XX/2021 at XXXX. I withdrew {$400.00} in cash from an ATM. At about XXXX I tried to access my account on the App, however it was saying my password was invalid. The next morning I tried to withdraw cash and was unable to access my account. I then called the customer service number and was told my account was locked. The representative couldnt tell me why. I made several calls and was only told that I have to write a letter to their compliance department and the address is a P. O. Box, which is very suspicious. I called back several times to get a clear explanation of what am I supposed to include in the letter and still nobody can answer me. I asked them if the issue was the deposit from the SBA, can they send the funds back to the SBA, and they told me that they are not able to do that. Can someone please help me get my money back or have the money returned back to the SBA. This is a crime. Ive been waiting for this money for over a year, and this bank basically is trying to steal it.
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. 

Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting

I am filling this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and connot verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified, '' that i have disputed. Please resolve this manner as soon as possible. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an unauthorized credit inquiry from Fortiva/XXXX dating XX/XX/2020. I did not apply for any new credit. I called the creditor and was told that they would remove, however I can not be so sure they will remove as they are the ones that report inaccurate information in the first place. I have frozen all of my I do with all 3 credit bureaus, as well as put a fraud alert on my account. I filed a dispute with XXXX as they are the only bureau as of now showing this fraudulent information. They have an estimated completion date of XX/XX/2020 but any help sooner would be appreciated as I do not want any further fraudulent activity to occur
Product: Payday loan, title loan, or personal loan

I took out a flex loan through XXXX XXXX in XX/XX/XXXX. I took this loan with the understanding it was a higher rate loan, however the repayment terms were not disclosed nor explained to me properly. There available loans are between $ 25- {$4000.00}. They advertise their XXXX XXXX, naturally, however all examples of repayment listed on their website are not for the {$4000.00} as if they were I feel sure they would not conduct the volume of business they do. 

These repayment examples also do not show any repayment schedule extended past 14 days, but they offer repayment terms past 14 days. The fees charged and terms of your repayment change drastically the longer you have the loan. 

To sum it up. I borrowed {$4000.00} in XX/XX/XXXX, have paid a total of {$4500.00} to date, XX/XX/XXXX. The payoff on my loan as of today XX/XX/XXXX is {$4900.00}. I will have repaid a total of {$9400.00} to this company. They list the APR as 279.50 % ; however since this is a rate of " cost of the loan '', basically they charge a % every two weeks as a " customary fee ''. 

In XX/XX/XXXX, I paid {$430.00} on XX/XX/XXXX - breakdown : {$52.00} Principal {$32.00} Interest and {$340.00} Customary Fee. 
On XX/XX/XXXX, I paid {$430.00} TWICE! They took a total of {$860.00} on this day -- breakdown : {$52.00} Principal {$32.00} Interest and {$340.00} Customary fee, ALL OF THIS TWICE. 

Notice how the principal amount applied to my loan did not change from XX/XX/XXXX to XX/XX/XXXX payments? 

This to me is the definition of predatory lending. There is no way my documentation provided up front would have shown my ability to repay {$1200.00} per month. If they were going to place these repayment terms on me I would not have been approved for the loan, nor would I have applied. 

This company advertises their customers only pay for the time they borrow the money. I paid {$1200.00} in the month of XXXX alone on {$4000.00} I borrowed to begin with. {$43.00} a day is what I paid in XX/XX/XXXX. 

Why are these companies not forced to adhere to the state regulated maximum rates set by regulators and not required to prove a customer ability repay a debt based off their own repayment terms? 

I will provide all statements of my account and any other requested documentation. A dispute has been issued with the company as well in writing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize nor consent to the following accounts being furnished on my consumer reports. 
XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have disputed inaccuracy over 5 times with experian, XXXX and XXXX, i have informed them that this debt collection is not my debt and to provide me with exact proof of a contract with my original signature, i do not have a contract with XXXX XXXX XXXX, they have violated my rights by spam calling me and sending me endless emails of a document with no signature, this document is just my name and a inaccurate debt owed, i informed them over 10 times that this is not my debt and to contact the original debtor for a signature on this debt that i agree and binded myself into this debt. they have yet to provide that. I informed experian and XXXX and XXXX and they are refusing to remove a debt that is not mines. The debtor keeps reporting interest on my credit which is also illegal because it is not my debt which is causing my credit to go down and putting me in a financial burden, i have also asked all 3 credit companies experian, XXXX and XXXX to provide me with proof and according to fair credit reporting agency i am allowed to request the exact description on how this proof was obtained and i have yet to receive either passing 30 days. This collection needs to be removed.
Product: Credit card

I bought two airline ticket using Capital one credit card company. The airline company suspended our XXXX  due to a mistake they made. So I had to buy a new XXXX  to get back home. The first airline company had us stranded in the airport. 
I called the airline to get my money back. They didnt do anything and said to contact your credit card for that. Then I called and disputed with capital one. I submitted my report at XXXX a letter came back at XXXX letting me know my dispute was not legitimate and that they would charge the original charge back to my account. I called again and they reopened my dispute said to correct and submit your dispute. I did and the report came the next day saying your dispute is not legitimate. 
Reason, they said I have a pen number for my credit card which I never did and never was aware of it or used it. I HAVE NEVER HEARD OF A PIN NHMBER AND OR USED IT BEFORE! How would I have known that? My credit card has worked before everywhere but it wasnt working with them. They didnt accept my credit card dispute because of that. They are not protecting consumers but merchants.
Product: Mortgage

Inaccurate information report to FHA on an account that is not mine. I 'm contacting you in reference to XXXX XXXX XXXX XXXX, XXXX, Georgia XXXX. My exhusband was awarded this property in our divorce. He did not refinance the house out of my name so I was filed for a Chapter XXXX in XXXX, quitclaimed the property to him and divested all interests in the property. Apparently in XXXX my ex let the proper go via foreclosure and a deed in lieu was signed by him and recorded in XXXX XXXX. I purchased a new home in XXXX and last month I attempted to refinance my home and was told by the lender that an alert was placed in the FHA XXXX system stating that I had a property foreclosed on and that it made me unavailable to refinance under FHA for 3 years. This property belonged to my ex and I should in no way be harmed behind it. I was told I 'm held liable too but that its impossible as I did not sign off on the deed in lieu of foreclosure therefore invalidating the deed. I was told I did n't have to sign papers since the property was given to my ex in the divorce. It can be XXXX statues to adhere to. Either its mine too or its not. If my signature was needed and was never obtained then the deed in lieu is not valid. I ca n't be penalized with him along with his property as it is not mine. I want Bayview to send information to FHA XXXX and have the erroneous information deleted from my profile.
Product: Debt collection

I XXXX XXXX was served papers around XXXX, XXXX from the court house in XXXX Tx, ( XXXX ) XXXX. Midland Credit management, XXXX, is suing me, XXXX XXXX, ( XXXX ) XXXX ) for the amount of XXXX $ that they acquired from XXXX XXXX, on behalf of XXXXXXXX XXXX. I have contacted XXXX XXXX, XXXX XXXX on the purchase that was made with neither company having any record of that amount in all totaled purchases using XXXX. When I contacted Midland credit Management after several times and a week later, one of Midlands customer service people had told me the the Purchase was from a person with a last name of XXXX, and address of XXXX XXXX XXXX. XXXX NC XXXX, from which I have never been or have known of this person, or knowledge of any purchase from which was made. The Company suing me is where I acquired the name and address of this person that did make the purchase.The Credit Bureau has put this against me as bad credit. And needs to be reversed.
Product: Credit card or prepaid card

3 months ago I had my card issued by capital one shut off or fraudulent activity by XXXX and XXXX. When I activated the 2nd card it again was XXXX only charged by XXXX and XXXX and accepted by capital one as being valid so I shut it off again now the 3rd card I've never received interest charges have gone up late payments of been Charged to my account when there was no late fee payments made a been returned and then deducted again bank account numbers of changed when they shouldn't have, etc
Product: Credit card

see attachment This is a complaint for assistance. Slate Chase improper posting payments. lnstructions were provided to post the XXXX for the XXXX due date. Now there appears on the statement a minimum payment due of XXXX which is incorrect ' Slate Chase have failed to response to email request and original letter.
Product: Debt collection

On XX/XX/2020 Capital Accounts add a derogatory mark ( Collection/Late payment ) on my credit report per XXXX  Credit report. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. In fact, I have never even lived at the address that was sent in collection. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it is mine. According to FCRA, Capital Accounts has violated my rights as a consumer and I am requesting legal action to remove this account immediately.
Product: Debt collection

This is not my account! The previous company, XXXX XXXX advised me that they were not able to verify the debt. Instead of it ending there, they sold this fraudulent account to someone else who NEVER contacted me. This is a fraudulent account and it was placed on my credit report under deceptive means! Remove it now.
Product: Credit reporting, credit repair services, or other personal consumer reports

Even though XXXX XXXX and XXXX deleted all of the unnecessary info. XXXX is still reporting a lot of wrong information, and On top of that I sent a police report to them of the identity theft done to me with student loans and they are still claiming that they are mine. Along with other relevant proof to show that the military paid for my entire schooling. And of course the necessary Identification materials. Which hasnt sent multiple times already.Even so all of the accounts that are negative are showing paid and closed And should be taken off anyway for my understanding. Again they are showing wrong/incomplete account numbers and wrong information all together however again I say it isnt relevant Because I sent a police report detailing the multitude of loans used under my name without my permission. Other companies to become included on this complaint are : 1 ) every one that just has finance as the company name and they are three 2 ) XXXX  XXXX XXXX XXXX 3 ) XXXX XXXX XXXX 4 ) XXXX 5 ) XXXX XXXX XXXX ( XXXX XXXX ) 6 ) trans world system inc 7 ) XXXX XXXX ( XXXX ) 8 ) XXXX XXXX 9 ) XXXX XXXX XXXX XXXX ( XXXX )
Product: Debt collection

I open a XXXX credit card with Wells Fargo bank limit {$300.00} know the are charging me {$860.00} and the put account on collection
Product: Mortgage

On XX/XX/2021 I received notice from XXXX Mortgage Servicing that my mortgage was being transferred to Specialized Loan Servicing LLC ( SLS ), XXXX, CA as of XX/XX/2021. Unfortunately I had already made a partial ( bi-weekly ) payment of {$3000.00} to XXXX for my XXXX payment. I have been told by SLS representatives that my mortgage information has been completely received from Shellpoint since XX/XX/2021 ; however, I am still unable to access my loan account via their management portal and unable to setup automated payments. 

I am being told the partial payment can not be applied to my account until a full payment is made. I have already made the other payment of {$3000.00} via my XXXX account but SLS is stating that, that is unacceptable that I must pay them directly via the phone. As I am unable to access my account and would have no proof of payment, I am unwilling to make a payment that can be lost or inappropriately applied. Additionally I have been told that I can not make bi-weekly payments unless I do it through SLS ; but, again, I can't even set that up as I have no access to my account. 

I have spoken with different representatives numerous times but am unable to get the same person so I am forced to start all over again and the issue is never resolved. I have been told it will take any where from days to weeks to get this resolved. When asked to speak with a manager or supervisor, I am flatly refused. I have been threatened that I will get late payments on my financial record even though the transfer is protected federally for 60 days. That being stated it has already been 18 days with no resolution. 

Please help me resolve this issue
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Dear XXXX XXXX XXXX XXXX XXXX recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information The name and address of the original creditor and the current creditor.

1. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

2. Full complete and correct social security number to help identify me as the correct person you are trying to collect from 3. Documentation o
f all assignments showing the transfer of the debt from the original creditor to the current creditor. 4. Proof that the original creditor securitized the debt. 5. Documentation showing the assignments of the debt from the original creditor to the se
cured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anythin
g to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported t
his debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. Notification to Other Collectors I dispute
that I owe this debt to you. Should you transfer this debt to another collector, please in
form them of my dispute regarding the validity of this debt.

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX debt on vehicle loans, mortgage loans I didn't take out
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX SSN : XXXX XXXX : XXXX Phone Number : XXXX Date : XXXX To : TransUnion Subject : Formal Dispute and Complaint - Violations of the Fair Credit Reporting Act ( FCRA ) Dear TransUnion, I am writing to formally dispute the inaccurate and erroneous information that you are currently reporting on my credit report and to notify you of multiple violations of the Fair Credit Reporting Act ( FCRA ). The account in question is as follows : XXXX Account Number : XXXX Account Status : Closed Original Creditor : XXXX Balance : {$84.00} Date Opened : XX/XX/year> Status : Account charged off. 
XXXX XXXX XXXX Account Number : XXXX XXXX Account Status : Closed Age of Account : XXXX months Violations of the Fair Credit Reporting Act ( FCRA ) : 1. Section 605B : Blocking Information Resulting from Identity Theft Violation : Despite submitting an FTC Identity Theft Report, a police report, and my verification documents ( drivers license and Social Security card ), TransUnion failed to block the disputed information within four business days as required by FCRA 605B.

Penalty : Civil liability for willful noncompliance includes actual damages sustained by the consumer as a result of the failure, punitive damages, and attorneys fees.

2. Section 611 : Procedure in Case of Disputed Accuracy Violation : Upon receiving my dispute, TransUnion did not conduct a proper reinvestigation of the disputed information within 30 days, as mandated by FCRA 611. Instead, TransUnion continued to report the inaccurate information despite clear evidence of identity theft.

Penalty : Civil liability for willful noncompliance includes actual damages sustained by the consumer, punitive damages, and attorneys fees. 

3. Double Reporting of the Same Debt Violation : TransUnion is currently reporting both the original XXXX account and the new XXXX XXXX XXXX collection account for the same debt. This constitutes misleading and unfair reporting, causing undue harm to my credit score. 
Penalty : Civil liability for willful noncompliance includes actual damages sustained by the consumer, punitive damages, and attorneys fees. 

Requested Action : I request that TransUnion take the following actions immediately : 1. Block and remove the XXXX account ( Account Number : XXXX ) from my credit report as per FCRA 605B. 
2. Remove the XXXX XXXX XXXX collection account ( Account Number : XXXX XXXX ) from my credit report as it is the same debt as the disputed XXXX account XXXX 
XXXX. Provide written confirmation that these accounts have been removed from my credit report. 

Failure to comply with these requests will result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), and I will seek legal advice regarding potential damages for these violations. 

Sincerely, XXXX XXXX XXXX
Product: Mortgage

Applied for a jumbo loan with Wells Fargo, {$4.00} XXXX. I have {$30.00} XXXX in assets and am inheriting {$5.00} XXXX this XXXX as a one time gift. 

Wells Fargo had all of my documentation over 2.5 years ago when we obtained a construction loan and there have been no new material changes. One of my commercial entities had late payments on a commercial mortgage 5 years ago, the account is not past due and has not had any negative credit reporting but Wells Fargo underwriting has decided that is reason to now decline my loan. 

I have had my rate locked for over 2 months and am 3 days away from being able to move into our new home. Our family has received no communication that this was even question and our bankers have been on leave multiple weeks. 

A decision not to do the loan is completely acceptable but they ( Wells Fargo ) gave no indication at any time it was not approved until today ( XX/XX/2020 ). We requested to put even more money down or any amount they requested as well. We have already paid {$2.00} XXXX down on the home.
Product: Credit reporting or other personal consumer reports

XXXX removed inquiries i disputed then added it back cto my credit file. I need everything removed again ALL INQUIRIES ARE FRAUD AND/OR NOT AUTHORIZED REFUSES TO RESPOND TO ALL CERTIFIED LETTERS DISPUTING INQUIRIES
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already filed a complaint about this company and they can not obey US collection laws. They have not validated anything and keep sending me the same letter asking me for my name, address, account number. 
As you see again I received another letter asking for the same information. They can provide any kind of validation and are reporting as a collection in my credit reports. 
They have gone past 30 days to VALIDATE and can not follow the collection laws!!