23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Hello, in XXXX of XXXX I lost my full time job after working for this organization for 14 years. The same time was diagnosed with XXXX XXXX. I applied for loan modification with my mortgage company, was approved. My modification will end in XX/XX/XXXX, COVID-19 broke out. I received a letter/form from my mortgage company about COVID-19 Protection Program, I signed for it. 
I started paying my mortgage because I am afraid that I am going to be so behind and end up not being able to afford to keep the mortgage current. 
I called my mortgage company, inquire some more help to avail from them. I was asking them if I can request or apply for a program that will help me to put the mortgage payment back toward the end of my loan. Since I was laid off agin ( XX/XX/XXXX ) I was told that I am not qualified for any help because they need a pay stub from me. I was told that since I accept the COVID-19 Protection Plan, that supersede the forebearance I have currently in place. I was also told that I need to bring my account in current to get some help. How to do it, I don't know. I am actively looking for a job.
Product: Mortgage

I am a mortgage processor. Partial Applications having Name, Date of Birth, Social Number, and Home Address come to me. My job is to take the rest of the complete mortgage loan application. I am not a Licensed Loan Officer. I have always processed loans after a full application has been taken. I am wondering if I am allowed to take the rest of the application if I am not licensed as I was always told since I am not licensed I can not take a loan application. Just want to me sure I'm not doing anything wrong.
Product: Debt collection

This collection company has reported to my credit that I owe them an assumed debt. That have failed to give me written notice and the right to dispute said assumed debt, I am not nor have I ever been in contact with this debt purchasing company.
Product: Debt collection

I never signed an agreement for the hospital to share my information to my credit report.
Product: Checking or savings account

A capital one 360 checking account was established on XX/XX/XXXX. On XX/XX/XXXXI attempted to link this account with XXXX for fund transfer for investing. I was unable to complete the process getting an error message " Capital one is blocking you from enabling external applications ''. I called capital one and talked with a supervisor and was told the were blocking me because the account was new. This may go away after 15 or 30 days. But he also added it may not.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed that there are still accounts that are reporting erroneous and incorrect information. Right now, I am not satisfied that Credit Bureaus have completely fulfilled the guidelines of the Fair Credit Reporting Act in conducting their examination. I sense that the remaining accounts need proper action to assure the maximum possible accuracy on my credit file. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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 items from my file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please have these accounts corrected : XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Consumer Loan

I purchase a vehicle from motorama auto dealership in XXXX of XXXX within 30 days I had tire problems and half of my Dashboard lights went out. It was during this time that the owner of the company told me that he never touch the tires ( Which I do n't believe because they were brand new ) But he said he put a Engine in it which he did n't tell me when I bought the car. 2 months ago the engine started to knock and the Alternator went out a month ago. The dealership said when he bought the engine it had a month warranty. And quoted me XXXX plus the cost of the engine. I am still making payments on this vehicle. I feel this dealership operated in bad faith.
Product: Debt or credit management

I HIRED LEXINGTON LAW FIRM TO REPAIR MY7 CREDIT AND THEY DID NOT
Product: Checking or savings account

I am writing to formally lodge a complaint against XXXX XXXX XXXX XXXX XXXX, XXXX, and XXXX  regarding their refusal to open accounts for me, as well as the abrupt closure of my account with XXXX XXXX XXXXXXXX without prior notice or explanation. I believe these actions may reflect discriminatory practices against me as an Armenian individual. 

On several occasions, I have attempted to open accounts with these financial institutions, only to be met with refusals and no clear rationale for their decisions. Despite my efforts to seek clarification, I have received no satisfactory explanations or reasons for these denials. This lack of transparency raises concerns about potential discriminatory practices that may be at play. 

Furthermore, I would like to bring to your attention the troubling experience I had with XXXX XXXX XXXXXXXX. They closed my account without any notice, leaving me without access to my funds. This action has caused me significant financial distress and has further contributed to my feeling of being treated unfairly. 

I urge the OCC to investigate these matters thoroughly. It is crucial that financial institutions uphold the principles of fairness and equality in their operations, ensuring that all individuals, regardless of their background, are afforded the same opportunities and treatment. 

I appreciate your attention to this serious matter and look forward to your prompt response.
Product: Credit card or prepaid card

Milestone credit card was informed that XXXX XXXX has fraudulently charged {$30.00} to my account several different times. Milestone not only did not remove the original charge but charged me for the same exact amount as a reversal of adjustments which spiked my credit usage to over 130 % with no justification. It was said that they added too much credit to my account when nothing was credited. 
Milestone also has stopped attempting to take payments from my bank. My personal bank account shows no attempt to collect payment on the day of autopay for the last 2 billing statements. This has caused fees of over limit & return check fees including never giving me credit back for the fraudulent charges. 

Complaint Letter to Delete Inaccurate Information Dear Sir or Madam : I respectfully request your prompt attention to the following inaccurate information on my credit report. For your convenience, the disputed item is listed on the enclosed page of my credit report. 

The following item is inaccurate and negatively affecting my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents or any instrument bearing my signature. Failing that, this item must be deleted. 

Item : milestone credit card Account # Reason : Milestone conducting hedious behaviors that forcing my credit score to go down during a time where XXXX of people are losing their jobs. 

It is my understanding that under law you have 30 days from the receipt of this letter to verify this item. It should be understood that failure to do so within the 30 day period constitutes reason to immediately delete this item from my credit report. { FCRA 15 U.SC. section 1681 ( 5 ) ( A ).

Also, pursuant to 15 U.S.C. section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please notify me the item has been deleted. You may send an updated copy of my credit report to the below address. According to the provisions of 15 U.S.C. section 1681j, there should be no charge for this notification. 

Sincerely, Name : XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Il XXXX DOB : XX/XX/1988 SSN : XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am submitting this complaint to formally dispute the inclusion of the above-referenced account on my credit report. This account, reflecting a balance of {$12000.00}, is not mine and appears to be the result of identity theft. 

Description of What Happened : I discovered this account was appearing on my credit report. Upon further investigation, I determined that it was fraudulently created using my personal information. To address the fraudulent activity, I took the following steps : Reported the identity theft to the Social Security Administration ( SSA ), which issued me a new Social Security Number ( SSN ). 
Reviewed my credit report and confirmed that I had no connection to this account. 
Contacted the credit bureaus and disputed this item as fraudulent. 
The company involved, Resurgent Capital Services / LVNV Funding LLC, has not provided any evidence to show this account is valid or legitimately associated with me. 

Amount in Question : The account in dispute shows a balance of {$12000.00}. 

Actions Taken by Me : Reported identity theft to the SSA and obtained a new SSN.

Sent a dispute to the credit bureaus regarding this account. 
Requested that this account be removed from my credit report under my rights provided by the Fair Credit Reporting Act ( FCRA ). 
Requested Resolution : Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), I have the right to dispute and request removal of fraudulent information from my credit report. I am requesting the following actions from Resurgent Capital Services/ LVNV Funding LLC : Immediately remove this account from my credit report. 
Cease all collection attempts and communication regarding this account. 
Provide written confirmation of the removal and a corrected credit report. 
This fraudulent account has negatively impacted my credit, and I expect prompt resolution to ensure my records accurately reflect my financial history. 

Thank you for addressing this matter promptly. 

Sincerely,
Product: Credit reporting or other personal consumer reports

XXXX XXXX refuses to provide me with a mortgage payoff, my forbearance agreements, records of all claims filed for my Chapter XXXX case on XXXX XXXX XXXX XXXX, the actual payment history, or the total amount due from cast to date to audit the account in defiance of state and federal law to hide these errors.
Product: Checking or savings account

On XX/XX/2018 I find my self in XXXX XXXX I attend a business where at the end of the night I try to pay for the service with my debit card knowing that I have funds to pay for the service, I provide my card to the merchant they walk away and a few minutes later they approach me and tell me that my card was declined, I was surprised since I was aware of my finances so I ask to step out of the business to a closes ATM and withdrawal cash to pay the service well the ATM also said insufficient funds, I approach a friend and ask him for a loan so I can pay for the service while I figure what is going on with my card, we leave and I access my bank to find out the merchant had passed my card for an absurd amount pretty much leaving my account empty immediately call the bank and report the issue and report an unauthorized charge to my account Claim number XXXX they passed me to the fraud department where I explain what had happened to me, they immediately close my card and report the issue, not to find out later that because I had given the card previously to the transaction and my card had a chip I was authorizing the transanction charge on my acount posteriorly of been notify my card was declined and canceling the service with a cash payment to what the merchart provide a piece of paper with a writen amount on it as the only proof of my payment in cash to the merchant which as soon I could made available to my bank on XX/XX/XXXX as proof of my payment, no before been told by my bank that the document has no value and that the amount in the paper and the amount charge wore different, to what I respond if the amount that I had paid had been the same on my card I probably will not complain been a {$50.00} charge and not a charge of {$1400.00} to what I did not consent, authorize or aggreed, two weeks after the incident I had received a letter from my bank giving as a close issue since I had no proof of payment and I need it a note or document proving the charge was paid in cash. Then I provide the bank with such document given by the merchant and they do not accept the document. I have no means to return to the country of origin of this transaction to face the people that have run this fraud in my account, try to contact the merchant to my surprised fake number, no way to communicate with the merchant revise information of the merchant and surprised again this merchant is known to practice this type of business transactions, also using a different name as merchant and business what do I mean well business name XXXX Merchant name XXXX XXXX XXXX no working number and the bank is the only one that can initiate a claim with the merchant financial entity to process my claim, So I got in touch with VISA and file a claim XXXX this to initiate a more aggressive response to my bank to fight for my money and not be part of a fraudulent transaction that I in the compliance of the rules report immediately to avoid being part of it and as now a crude reality of how in defense I am.
Product: Credit reporting or other personal consumer reports

My personal information was stolen in 2024, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a federal trade commission report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX Experian Inquiries 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 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 hand written instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers 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 if no documentary evidence is found in accordance with FCRA, 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.
Product: Credit reporting or other personal consumer reports

I am filing this formal complaint against XXXX XXXX XXXX for : Harassment and unethical debt collection practices Inaccurate and misleading credit reporting Improper use of law enforcement for debt intimidation Violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) Their actions have caused emotional distress, financial harm, and a negative impact on my credit report XXXX XXXX XXXX engaged in harassment to collect the debt, including involving law enforcement to intimidate me into making payments. This behavior is unethical, abusive, and potentially unlawful under federal debt collection laws. 
XXXX. Inaccurate and Inconsistent Credit Reporting : The auto loan account, opened on XX/XX/XXXX, was closed on XX/XX/XXXX, after the vehicle was returned to XXXX XXXX XXXX in XX/XX/XXXX. Despite this, the account is inaccurately reported as : Profit and Loss Write-off Transferred to Recovery Showing a balance of {$45000.00}, which is incorrect Additionally, during the process of trading in my previous vehicle ( which had a perfect payment history and was paid in full ), XXXX XXXX XXXX XXXX XXXX late payment to be reported on my credit report. For XX/XX/XXXX with XXXX XXXX XXXX XXXX XXXX This late payment was due to delays in transferring the vehicles ownershipan administrative error on their part, not a missed payment on mine. 
XXXX. Misrepresentation of Account Details : Throughout the collection process, XXXX XXXX XXXX has reported different outstanding balances and provided inconsistent monthly payment amounts. This lack of transparency is deceptive and misleading. 
XXXX. Failure to Correct Inaccurate Information After Dispute : Despite disputing these inaccuracies, XXXX XXXX XXXX and the credit bureaus have failed to correct or remove the false information from my credit report. 


XXXX. Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 : 1681s-2 ( a ) : Requires creditors to report accurate information to credit bureaus. XXXX XXXX XXXX has reported inaccurate balances, payment histories, and account statuses. 
1681i ( a ) : Requires credit bureaus to conduct a reasonable investigation of disputed information. The investigation process was inadequate, and the errors remain.

1681e ( b ) : Requires creditors and bureaus to maintain maximum possible accuracy in credit reporting, which has not been upheld in this case. 
XXXX. Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692 : 1692d : Prohibits harassment, oppression, or abuse in debt collection efforts. Using law enforcement as an intimidation tactic violates this provision.

1692e : Prohibits false, deceptive, or misleading representations, including inconsistent debt amounts and threats without legal basis. 
1692f : Prohibits unfair or unconscionable means to collect a debt.

3. Potential Abuse of Authority : The involvement of law enforcement for debt collection may constitute an abuse of power and intimidation, which is outside the scope of lawful debt recovery practices.
Product: Debt collection

In accordance with the Fair Debt Collections Practices Act WAKEFIELD AND ASSODIATES has FAILED to meet the following requirements by law : Debt collector Failed to produce a statement giving the consumer 30 days to dispute the validity of the debt pursuant 15 USC 1692 g Debt collector has falsely assumed obligations of debt to be owed and/ due under deceptive collection practices which fail to disclose details and omit material requirements in accordance with the FDCPA Debt collector imposes negligent consumer reporting practices causing adverse actions and damages to the consumer, through publishing false and incorrect allegations on credit report THIS DEBT COLLECTION AGENGCY CLAIMS I OPENED AN ACCOUNT ON XXXX XXXX. WHICH I HAVE NOT. this is a fradulent account baring fraudenlent information to my credit report inhibiting my ability to obtain credit and finacial liberties within reason. Their negligence has stained my public credit profile without my knowledge or permission. I have no account with this company.
Product: Mortgage

XX/XX/XXXX. Started working with XXXX XXXX XXXX for a custom home ... XX/XX/XXXX. Prequalified for loan ( by another bank that notified XXXX XXXX XXXX ) ... 

XX/XX/XXXX. XXXX XXXX XXXX offered me 2 % discount to switch to their preferred vendor, XXXX XXXX @ Ameris Bank and agreed to pay my closing costs ( closing costs were denied with other bank ) ... 

XX/XX/XXXX. 
Ameris Bank provided a Loan Estimate with 4.0 % Interest Rate ... 

XX/XX/XXXX. 
I asked XXXX XXXX @ Ameris Bank for help and she referred me back to XXXX XXXX XXXX instead of a HUD counselor ... 

XX/XX/XXXX. 
I closed my application with other bank ... 

XX/XX/XXXX. 
Ameris Bank provided a Closing Disclosure with a 6.5 % Interest Rate ( increased 2.5 % from original estimate ) and although they read it to me on the phone they were unable to provide closing documents until a few hours prior to closing ( XX/XX/XXXX ) ... 

XX/XX/XXXX. 
XXXX XXXX XXXX started building the wrong house on my property and a stop work order was placed ... 

XX/XX/XXXX. 
Requested payoff amount from XXXX XXXX @ XXXX XXXX  with multiple emails requests and no response ... 

XX/XX/XXXX. 
Contacted random Ameris Bank Mortgage Officers and was referred back to XXXX XXXX. Contacted Ameris Bank Customer Service multiple times and my account information was unavailable and referred back to XXXX XXXX. Left message for Ameris Bank President for escalation and received a phone call back from XXXX XXXX .... 

XX/XX/XXXX. 
Work resumed on new construction and I was concerned about the timeline but XXXX XXXX ( XXXX XXXX XXXX XXXX  ) said he talks to XXXX XXXX @ Ameris Bank daily and he built about 40 homes last year ... 

XX/XX/XXXX. 
Called Ameris Bank customer service to request billing statements and loan history but its not available to customer service .... 

XX/XX/XXXX. 
Requested loan information from XXXX XXXX @ Ameris Bank / no response ... 

XX/XX/XXXX. 
Requested loan information XXXX XXXX @ Ameris Bank / no response ... 

XX/XX/XXXX. 
Requested address update and loan payoff info from XXXX XXXX @ Ameris Bank / no response ... 

XX/XX/XXXX. 
Called Ameris Bank customer service to request billing statements and loan history but its not available to customer service. Advised I was sharing information with my attorney.
Product: Debt collection

Upon reviewing my latest credit report, I found several accounts that I believe were added without my authorization and are inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I stored my personal items at a friend 's house because I was homeless for a few months prior to relocating to college in XXXX, FL. I went to XXXX XXXX XXXX on XXXX XXXX, XXXX in XXXX, FL to be added to my aunt 's checking account as an authorized user and was told there was an account on my XXXX report from Bank of America that was reporting fraudulent activity at an address I have never lived at ( XXXX XXXX XXXX, GA ). I filed a police report in XXXX, FL, where I currently reside, because I suspect the tenant, XXXX XXXX of XXXX, GA, stole my identity, then used my information to open an account without my permission. The account was opened in XXXX, according to XXXX report. I attached my IG with my Georgia address, the only address I 've ever lived.
Product: Money transfer, virtual currency, or money service

I transfered XXXX dollars on cash App to XXXX XXXX. The message from Cash App stated this amount was rejected and refunded to your bank account XXXX XXXX XXXX XXXX. I had a complete audit of my account conducted and the bank indicated the money was never refunded by Cash App. I have attempted to resolve this issue with Cash App for 5 days. Please assist