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

On several occasions over the last few month, Bank of America placed unauthorized charges on my Bank of America Credit card. I requested formally that Bank of America remove the unauthorized charges from my account. Bank of America did not find that I had authorized the charges to my account, but Bank of America refused to credit my account for the unauthorized charges to my account. 

The merchants whose charges were placed on my account never had access to my card number as I had never given this Bank of America credit card number to either merchant whose charges were placed on my account. Bank of America is acting contrary to law by placing unauthorized charges on my account and refusing to credit my account for unauthorized charges.
Product: Debt collection

XXXX XXXX, XXXX {$380.00}, I wrote them asking to Validate the debt being I never had services with the company the debt collector is collecting for XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX XXXX  of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Payday loan, title loan, personal loan, or advance loan

Title loan from One Main, completed loan and never recieved my title.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I mailed a certified dispute letter disputing information from an unknown account, XXXX XXXX for {$910.00}, that was added to my experian credit profile. I waited 30 days and did not receive a response from Experian. I called today on XX/XX/XXXX and was advised that experian did receive a response from the creditor but had not verified it by documentation or any other means saying instead that the creditor " disagreed '' with the dispute. They were not able to tell me why I was not notified in writing of the results, when the results were available, or if they would ever send the results. I explained to them that they were obligated to verify this account and they only offered to start a new investigation which would take another 30 days. This infringes upon my rights under the fair credit reporting act. I would like Experian to either verify this account and send me in writing the methods used to verify this account or delete this negative tradeline immediately.
Product: Vehicle loan or lease

Wanted to pay off {$4000.00} towards my auto loan. The problem with PNCs website is that it doesnt allows you to pay the amount towards principal only. So I called their customer service ( around XXXX   XXXX ). The lady over the phone tells me that now theres a checkmark on the payments webpage of their website that lets you pay towards the principal only. I hung up only to find out theres no such option. Called back again and another lady tells me the same. I stay with her on the phone asking her to navigate me but she fails to find that option. So on two occasions, they gave incorrect information to the customer. Now comes another interesting part. I visited a branch on XXXX XXXX to try to accomplish what I was trying for. Around XXXX, a male and female banker were in the bank. I clearly tell the male banker that I would like to pay {$4000.00} towards my auto load principal amount only, explaining him that it didnt happen few months ago when I visited the branch and had to call in to fix the issue. The Banker says no problem, thats what I did. I again asked for a confirmation with my wife standing next to me and this banker seems way too confident and said it should have been applied to the principal only. Next day, I login to my account and see that a portion of the money was applied to interest. Incredible! This bank needs to shut down for sure. I have another complaint opened up against them and I havent heard back. I will call now to get rid of that interest amount. Why would someone pay {$4000.00} towards the remaining {$5600.00} loan and ask for it to be applied to interest as well is beyond my scope of understanding. This is clear case of giving false information to the customer and deceiving.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX XXXX, am stating that TransUnion, XXXX, XXXX are violating 15 U.S.C 1681b ( 2 ) ( a ) -Permissible Purposes of Consumer Reports states that a consumer reporting agency such as TransUnion XXXX XXXX, XXXX may furnish a consumer report in accordance with the written instructions of the consumer. I, XXXX XXXX XXXX, NEVER gave TransUnion, XXXX, XXXX any such written consent for them to report any information on my consumer report. Since I gave no consent, this is indeed Identity theft. Since I did not provide consent, I am demanding that you proceed to remove these accounts listed below from my TransUnion, XXXX, XXXX credit report : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX If you choose to not remove these items from my credit report, then I WILL NOT extend my credit to ANYONE nor will I give TransUnion, XXXX, XXXX permission to furnish my credit report. Additionally, pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is fully dependent firmly on the braise of FAIR and ACCURATE consumer reports. ( TransUnion, XXXX, XXXX is violating the law and reporting these inaccuracies to my credit report and hence causing me to lose confidence in the banking system. IF TransUnion, XXXX, XXXX wants to continue to do business with me XXXX XXXX XXXX, then they need to DELETE inaccurate accounts from my TransUnion, XXXX, XXXX consumer report expeditiously. I am an extremely litigious consumer as well. Please do not respond with identification verification, this is indeed XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam I have been a long time Target customer ; I used Target red card to do my purchases. Target used to send me the card statement in a paper format using the US mail. I have never missed or delayed a payment. I decided in XXXX to convert from paper format to an electronic format to save Target paper and money. I made a purchase in XX/XX/XXXX for the amount of {$100.00} never received any email notification to pay the bill. I checked all my email account history including the spam, did not find any correspondence from Target regarding the due balance. However, there were a number of advertising emails I received from Target. The only notification I got was a phone call onXX/XX/XXXX telling me that I have been a few months late and the balance now stands at {$170.00} including {$69.00} late fees and penalties. Target also tarnished my credit score which declined from XXXX to XXXX. I was very disappointed, paid the total balance on the spot, cancelled my account, shredded the card and decided to never buy anything from Target again. I strongly feel that I was mistreated by the Target organization and the action they took against me is unlawful and unjustifiable. Can I seek legal action against Target to restore my credit and to prevent this shameful incident from happening to other people?
Product: Debt collection

In XXXX, my XXXX XXXX  revolving debt was transferred to collections and then sold to Transworld, LLC collection agency. I had never received a letter from Transworld regarding this debt. In XXXX, Transworld started intercepting my federal income tax check and have been ever since XXXX ( about XXXX ). The original amount of the debt was a little over XXXX XXXX dollars. I contacted Transworld several times over the last 2 years with the last contact in XXXX via letter to informed them about the illegal collection through the tax off-set program, and demanded that they stop the collection activity through off-set. They claim that they are collecting on behalf of the government ( XXXX ), however when I contacted the XXXX and XXXX XXXX XXXX ( XXXX ) and XXXX XXXX directly, they indicate that I do not own a debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have  sent 2 le tters requesting that the account with  XXXX   XXXX  on my report for {$590.00} be removed. I provided the credit bureaus with a letter that I received by  XXXX   XXXX  stating that on  XXXX / XXXX /   16  they requested this account be deleted. However to date the account still is being reported inaccurately. Instead of removing the account as instructed I received a response stating my dispute could not be investigated because the address I provided is not listed in my credit profile. However that is a lie. I have attached a copy of my credit report showing the address  XXXX   XXXX   XXXX   XXXX  is listed in my credit profile. This compan y is attempting to nagate my request and is in a violation of my rights. Under the FCRA I may be required to provide identification one being my social security number and I did that in my previous attempts. The CB 's are not government agencies therefore there is no law that requires me to provide any personal information such as medical cards, bank statements, or utilities. I will not do so the address match and this cla im must be investigated properly and efficiently.
Product: Mortgage

I paid my loan payment to Ocwen Loan Servicing, LLC (Account XXXX) for years, on time, with auto bank drafts.  Around May 2019, the loan was assumed by PHH Mortgage Services (Account XXXX) and the auto payments were dropped without notice.  When I realized the payment had not come out of my bank, I resolved the issue with PHH, made payments due online and then filled out the required forms with PHH to resume auto payments.  I received a notice dated XX/XX/2019  (attached) that my automatic payments have been cancelled.  When I contacted PHH to inquire, they indicated it was due to a bankruptcy discharge in my past.  When I asked PHH to send me written support for this policy decision, they indicated they were unable to do so.  My experience with the two representatives at PHH was frustrating as they kept repeating they were unable to do auto payments for me, but would not agree to send me a written explanation of their policy or laws governing this decision.I believe I am being treated unfairly.  The bankruptcy in my past was discharged long ago.  I have made on time payments by auto bank draft for years.  PHH has a auto bank draft system they offer their customers.  I believe I am unfairly being discriminated from using this payment system that will better allow me to continue my history of on-time, regular payments.  For PHH to make paying my mortgage difficult seems wrong.I would like PHH to provide written documentation supporting their decision pointing to laws or procedures and I would like information to know how I can remedy this situation so I may once again pay my mortgage electronically on a regular payment schedule.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account name : # XXXX Account name : # 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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XXXX XXXX ; but I never received a response from them. These accounts must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

LVNV Funding i have told this company multiple time that the debt is not mine i have disputed this deb multiple time still this company choses ti ignore and hold me with this debt with no written evidence
Product: Checking or savings account

I opened a savings account with Citi Bank about two months ago. A few days ago ( XXXX ), I received a notification from a vendor that they couldn't process my bill payment because the " account had been frozen ''. I was very shocked to hear this as my account is in good standing and Citi never notified me of any activity with my account. I called Citi Bank security on XXXX and they refuse to give me a reason why they froze my account and won't allow my access to my money. I tried calling again pleading to speak to someone that can help as I need to pay my bills on time, the representative said " there's nothing I ( me the account holder ) can do '' then proceeded to hang up on me. The company is essentially holding my funds hostage without cause and won't allow me to access it. I am a middle-class citizen that just wants to pay my bills without punishment or fees ( which I will not accrue thanks to Citi and no fault of my own ), but Citi will not allow my to access the money that I worked hard to earn.
Product: Mortgage

On XXXX/XXXX/XXXX, Ocwen ( loan servicer ) denied the loan modification on my account. On XXXX/XXXX/XXXX, I have formally appealed and challenged their decision on loan modification denial. Instead of addressing my appeal, Ocwen elected to start a foreclosure process by filing a Notice Of Defalut ( NOD ) on XXXX/XXXX/XXXX. Ocwen chose to ignore and disregard my appeal and proceeded with foreclosure process. This violates CFPB 's Dual Tracking Rules and California State Homeowner Bill of RIghts.
Product: Money transfer, virtual currency, or money service

Over the last 5 months there has been fraudulent charges from random un known to me charges made on my account there was nothing done after filing disputes. Last month they finally issued me a new debit card so I assumed my trouble was done. Then while out of town on XXXX they randomly take out XXXX $ while I am trying to poay for luggage to come back, This was made on the card they were supposed to have cancelled and ever since then I have been on the phone for countless hours begging for my money to be returned and this company doesnt have a valid address a valid phone number nothing. Chime tells me they can take up to XXXX to return my money. How is this legal or possible? Yes i will be transferring banks as soon as my social security deposit drops and i can remove it in time to find a new bank. They are targeting persons who are low income because nobody will do anything about it. I am taking all my records from the last year to have someone review them. Can you please help me in the meantime i have bills to pay that I cant. Thank you so much for your time.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately, i had two late payments on an account that i was in fact paid on time. The consumer reporting agencies have need to report all information with complete accuracy. this account has not been late on payments i've attached a copy of my report to this complaint on the following dates ( XX/XX/2022 and XX/XX/2022 ) I'm now requesting you investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt
Product: Debt collection

JPMCB sued me in the Pennsylvania, XXXX XXXX XXXX of XXXX XXXX on XX/XX/XXXX. After battling and objecting to the complaint, the creditor through their atty failed to produce. On XX/XX/XXXX the judge signed a DISMISSED WITH PREJUDICE based on the findings. I won against on all bases, including contesting the debt as mine. The lawyer will verify this. JPMCB refuses to remove from credit profile and XXXX refuse to remove even after I produced evidence of the entire court docket.
Product: Debt collection

I think the debt is too old. It occured in 2011.The payday loan was XXXX XXXX Armands XXXX XXXX I do n't recall if I pay them. They sold this debt to a collection agency called Direct Capital Associates.XXXX, XXXX XXXX XXXX, XXXX, NY XXXX. 
They call me numerous times a day. They called relatives I did not give permission for them to call. My mother, brother and sister-in law. They threatened me to my family telling them I am going to court and going to prison. This has caused me so many problems and I have XXXX. I am so upset and ca n't handle this. 

Please do yourself a favor and learn from me. Please do not take out payday loans. They are expensive and the companies will torment you, by calling continuously, even before it is time to pay. I truly believe they should be outlawed. I know people need money. Please try to learn strategies on managing money. This has been a big lesson for me. I do n't care if I have to do with out food, I would never do this again. This was in 2011 and I thought I paid them.
Product: Vehicle loan or lease

The company? its you, you do all the reporting correct on credit reports well its you that made the mistakes I do not think its fair that i raised XXXX daughters by myself and i am still working 45 60 hours a week and for the first time i might stand a chance at XXXX buying my first home its a dream i have had for years. so i finally started to look at what is important and its my credit score and i want to fullfill this dream. Whenever i was late or couldn ; t pay something you make sure you waisted no time putting it on my credit report but gee when i finally work hard and do something good you do n't put that on there why is that not fair at all. 

exter finance says i still owe XXXX on all my reports it is paid i owe nothing XXXX XXXX credit card states i owe XXXX wrong its paid owe XXXX XXXX XXXX i owe nothing XXXX states i own XXXX wrong i owe XXXX so my credit used is not XXXX percent adn my available credit is not XXXX its higher new accounts is lpi personal unsecured loan XXXX no late payments XXXX XXXX paid XXXX XXXX XXXX pd XXXX XXXX XXXX pd XXXX still there and aes still there all those inquireies XXXX XXXX XXXX   XXXX XXXX XXXX i didnt do those i am trying to build my credit to get my own house not ruin it i did not do those i work with XXXX XXXX are they real or am i throwing my money away? please update asap i am waiting on you to have my dream. please its most important day for me to see my score go up and to get a house ... please
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to my bank to get a home loan and and the lady at the bank told me I was not approved. AT that time I wasnt sure why and went over my credit with the loan officer and there are items on my credit that is not mine XXXX XXXX XXXX   XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX and there are inquiries on there that I dont know where they come from. I have reached out to the FTC and my local police. Im doing this on my own behalf. Please remove them as well 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: Debt collection

A man from a company he calls Central Mediation Services contacted me regarding a debt that is over {$2000.00}. He asked me to set up payments of {$100.00} on a biweekly basis. I did, because I do have unpaid debt and I thought it was one of those accounts. He told me he could not give me information on the original account holder. However, he stated I would receive an email document with information regarding this debt. I never received it. I have complied with my payments. I called today, XX/XX/2017, to ask for a change of date on my payment due to a low paycheck I will be receiving this pay period. He became abusive because I sniffled on the phone when he said I had to make a larger payment than I could afford. He said I had to come up with the money somehow. I said fine, and he said he would add the remaining amount of my payment from one week from today only if I gave a payment I could n't afford this pay period. I said fine, I may just have to sell an item from my house or something to come up with the payment. At that point he said, " Do n't come up with this sob story about selling something from my house. I will not move your payment. You got yourself into this situation so now you have to deal with it. '' I said " I 'm sorry I did n't mean to come across that way. '' He raised his voice and started saying, " Where do you live, in Southern California? Is that how it is down there with you people. '' I said, " You do n't need to be rude. Fine, I will figure out how to give my payment this pay period. '' And he said, " I 'm not being rude you people get into this mess and you think you can cry and fix it. '' I said, " Fine I will be recording this conversation. Please send me documentation to verify this account so I know who you are and who I am sending my payment to. '' He said, " I will, to your email address, XXXX '' I said yes, " i would like to share that information with my attorney. '' he said, " do n't threaten me with an attorney and yes i will send your documentation. ' i have not received this documentation and I am concerned about the abusive language he used. I feel uncomfortable and do n't know who I am sending my payment to. He said " this is restitution to avoid a Court proceeding and you made an agreement. '' I am concerned that if I do n't send a payment they will send me to Court. But I do n't know if this is a valid debt and I am really worried about the language used in the phone call -- it does n't seem to be coming from a legitimate source. I can not afford an attorney. Can you please help me?