23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

On  XXXX   XXXX ,    2017  I opened a citibank checking account under a promotion that required an opening deposit of {$15000.0 0} ( and keeping a balance of {$15000.00} for 30 days ) +  either  XXXX  direct deposit OR {$250.00} in debit card purchases within 45 days. On  XXXX   XXXX ,    2017  ( the last day of my 45 day s ), I made   XXXX   pu rchases with my debit card (  XXXX  ) receipts are attached. I went into a branch between those  XXXX  purchases to ask if that would be a method to fulfilling the promotion requirements. I was assured that I would qualify.     The promotion was NOT advertised as the purchases needing to post ( as stated in their investigation let ter ), I wa s assured by a branch representative at the  XXXX   XXXX   XXXX ,  XXXX   XXXX  branch that I would qualify ( there should be a record of my visit because I also came in to reset my password and they looked up my charges and told me to make the additional purchase before  XXXX  PST/ XXXX  EST, the purchases showed pending, I 've also attached a copy of an email with a citibank representative that acknowledges that at least the  XXXX  purchase was made on  XXXX / XXXX / 2017 .     The investigation letter is counter to the earlier email that acknowledges the {$140.00} purchase being counted as being made on  XXXX / XXXX / 2017 . The additional {$150.00} was made in the exact same manner, PLUS after getting confirmation from a citibank branch representative that the earlier charge was being shown.     The actions of citibank DO NOT line up with the terms advertised, contradict themselves and seem intentionally misleading.
Product: Vehicle loan or lease

On XX/XX/2023 I applied for an extension of credit using my social security card at XXXX XXXX XXXX. Per the denial letter sent by Capital One Auto Finance on XX/XX/2023 Reference : XXXX I was willfully and knowingly denied for an extension of credit based on false and misleading information and received no benefit in this consumer credit transaction using my social security number. On XX/XX/2023 I contacted Capital One Auto Finance via telephone to resolve this matter and was told by Resolution XXXX XXXX XXXX ' that I could not speak with a finance manager, underwriter, or legal team, that instead I had to write a letter to dispute the error made by Capital One Auto Finance and address it to " Legal Recourse ''. A certified, notarized letter will be sent via usps mail on XX/XX/2023 entailing all violations and request for remedy.
Product: Debt collection

Transworld has an item open on my credit report for XXXX XXXX for {$530.00}. I have already resolved the payment directly with XXXX XXXX. The account is now paid in full. I have the confirmation letter from XXXX showing it is paid in full but it still remains open on my credit report with Transworld. I would like Transworld to delete this from my credit report.
Product: Consumer Loan

Back in XX/XX/XXXX, I file a complaint against this business with the XXXX, " Conn 's '', concerning theirs illegal collection and calling practice. I file a cease and desist letter with this company to stop calling me concerning their practice and they tell me only my cell phone number is on that letter and they can still harass me on my house number. Since they can tell me this and try to harass me when payment is not late, XX/XX/XXXX I had enough and stop paying them all together. These account was open XXXX and I was never late on paying my bill. Since XX/XX/XXXX they been calling my house phone with ghost number at least 4 time a day on a regular bases. Now they place it on my credit report and damage my credit and they believe I am going to pay them. They will never receive a payment from me as long as they continue their practice.
Product: Checking or savings account

I called Bank of America regarding a return item fee on my account. I explained that the cutoff on the ATM machines state the business day is over at XXXX XXXX local time and I thought that was across the board but the app has different information and list it as XXXX XXXX ET. I spoke to XXXX # XXXX, a supervisor who basically informed me that is was my error and it was just MY account that was not eligible for courtesy waiver even though my account has never had the issue before. I asked per policy and procedure shouldnt all accounts be treated the same? She said yes per fed regulations they had to but MY account was not getting a courtesy waiver. She basically said depending on the account, Bank of America can or can not make the decision to waive the fee. I have had a similar issue with Bank of America in the past. What criteria do they use to determine when fee waivers occur if the customer is at fault? What makes my call to BOA for courtesy waiver different than another customer who calls in and misses the deposit cutoff time and request a waiver? I would like that information from BOA as well as the {$35.00} fee waived if it can not be provided, because all customers are not being treated equal. What is the basis of the unequal treatment is it gender, race, religion, geographic location? I would understand if there was a policy in place and no one received it, but to just say no when I have never asked or had this issue before is ridiculous without a reasonable explanation when it is something that is offered to some customers. They need to provide data showing the race/gender of customers that are offered fee waivers. Would that data be skewed? Does it favor particular groups?
Product: Mortgage

Contacted Freedom Mortgage on XX/XX/year> to inform them that my escrow payment included an incorrect tax amount. The company is using an incorrect semi-annual tax amount of ~ {$2800.00} compared to the correct amount of ~ {$1600.00}, resulting in an annual overpayment of ~ {$2400.00} into my escrow account. 

On XX/XX/year>, I asked for the escrow payment to be updated and the excess money currently in the escrow account to be refunded. No corrective action was taken, in fact, Freedom Mortgage increased my escrow payment ... which was unnecessary. 

On XX/XX/year>, I contacted Freedom Mortgage to request an appropriate address to mail a RESPA complaint to. Freedom Mortgage did not provide an address or respond to my inquiry.
Product: Mortgage

Years ago, my mortgage was sold to Ocwen Loan Servicing , LLC . On XXXX XXXX, 2014, I received an official letter from Ocwen Loan Servicing , LLC confirming my successful enrollment in its Automatic Clearing House ( ACH ) program. This letter was in response to recent efforts intended to ensure payment of my monthly mortgage while I was on international travel beginning XXXX XXXX, 2014, and without access to regular mail or telecommunications. 

Upon my return to California on XXXX XXXX, 2014, I checked my credit score using the mobile application " XXXX XXXX '' as I regularly do. It was then discovered that my credit score had dropped significantly. Further investigation resulted in the following discovery : Immediately, I contacted the company to resolve the issue. After literally hours of miscommunication and misunderstanding with the company 's horrendous XXXX-based call center, it was discovered that, contrary to what was stated in their official letter written to me, Ocwen Loan Servicing , LLC had failed to enroll me in their ACH program. It was also discovered that the company had failed to notify me of this failure. It was admitted that the company had made no attempt to notify me of the failure by regular mail, electronic mail, or telephone. Fully admitting their blunder, Ocwen Loan Servicing , LLC agreed to wave all associated late fees. Further representing my level of responsibility and good faith, I then paid the entire remaining three-month balance in full during the same conversation. 

Still, somehow, this catastrophic malpractice resulted in the reporting of a 60 day late-payment notice to the XXXX major credit bureaus. I pleaded with Ocwen to contact the XXXX major credit bureaus and remove the unjust blemish from my credit score. I was told to submit a case to their credit reporting department, which I did. This process was painfully inefficient and wildly confusing. Two-weeks later, I finally received a thick packet of fine print ultimately explaining that Ocwen was refusing to remove the credit blemish. 

It is unjust that XXXX be subject to the incompetence and deceit of a company for which they had no choice of the matter. This is especially true when concerning a repulsive and scandalous company like Ocwen Loan Servicing, which has been subject to XXXX dollars in fines as the result of multiple lost lawsuits for blatantly lying to and deceiving the public.
Product: Student loan

XXXX XXXX has charged me interest on an interest-deferred student loan repeatedly. I have contacted them repeatedly, and even filed a prior CFPB complaint. Each time, they address the issue, slowly, and refund the interest and assure me it will never happen again. It has happened again. For the third time.
Product: Credit reporting or other personal consumer reports

I believe I am victim of Identity theft pursuant to section 605B please remove these fraudulent inquiries from my credit report.
Product: Checking or savings account

On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, I my wife and I made 3 different cash deposits into our joint checking account using NFCU ATM Machines. My wife even went inside a NFCU Branch to use their ATM to make a cash deposit. 
Our XXXX payment was made on online on XX/XX/XXXX in the evening. There was funds available to pay our {$99.00} XXXX bill. 

We had funds available to pay our XXXX bill, on XX/XX/2019 we noticed we got hit with a {$29.00} fee, for return. 

It shows we actually had funds available to pay our XXXX bill. We made several deposits that entire week, what NFCU does they hold out funds and not make them available right away. Our deposits are CASH DEPOSITS. Someone needs to investigate NFCU PRACTICES.
Product: Credit reporting or other personal consumer reports

" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the XXXX section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According XXXX XXXX Code XXXX - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX Original creditor : XXXX {$1700.00} XXXX  XXXX XXXX Original creditor : XXXX XXXX XXXX  {$430.00} There are no contracts, no valid claims ... account was settled with original creditor and has been confirmed, grave errorsfalse claims and reportingI want this account removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation
Product: Credit card

i did not consent, or benefit from, or authorize any of the following accounts. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I have sent notification to this trustee who is attempting to wrongfully foreclose on my property. By their filing of instruments they are in violation of the Equal Credit Opportunity Act ( codified at XXXX ) and the Fair Credit Reporting Act ( codified at 15 U.S.C. XX/XX/XXXX ). Trustor is exercising his/her right to conclude and inform you that your NOD Instrument does not constitute Notice and is invalid under California XXXX. Specifically, the legal sufficiency of the Filed Instrument is disputed and denied by Trustor. Because of this discovery we have demanded that the trustee cancel TS # : CA XXXX XXXX. To this date, and to our knowledge, they have failed to cancel the Trustee 's Sale. I believe that if any attempt is made to execute the Trustee Sale identified above, they will be acting with Notice of invalid Filed Instruments and of debt disputed by the Trustor. They have been so advised that, because of and consequent to this Notice of invalid Filed Instruments, Trustee Corps is exposed to full liability, jointly and severally, along with the Beneficiary ( s ) and/or affiliated entities for any damages that may, in the future, be awarded for filing false instruments, breach of contract, or wrongful foreclosure. A material defect in the NOD, such as gross misstatement of the amount in default, voids the sale, and the trustee may refuse to convey the trustee deed. XXXX XXXX XXXX Court XXXX XXXX XXXX XXXX CA XXXX XXXX, XXXX XXXX XXXX. The court in City of XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX also stated that : " the purposes of the Recording Statute is to provide Notice ... whether valid or invalid ... if invalid instrument is filed, no Notice is given. '' The Trustors ' rights under both the deed of trust and statute are being violated by Trustee Corps. Trustee Corps was never properly and legally substituted as trustee of the subject deed of trust, therefore, you are statutorily prohibited from asserting any such authority. It is in criminal violation of XXXX. XXXX XXXX XXXX, Filing False Instruments. The Filed Instruments identified herein are statutorily defective and false. They were demanded to immediately remove them from the public record permanently and to cause Public Notice of such remediation to be effected immediately. After receiving no response from Trustee Corps, we mailed them a Notice of Default notifying the company that they were in default on their obligation to rescind the Notice of Default as demanded by the Trustor and were in breach of contract.
Product: Debt collection

An XXXX XXXX with XXXX XXXX keeps calling from a blocked number. I spoke to her and let her know when I intend on paying the debt and she said okay. Prior to agreeing, she said that I had a scheduled service date to sign for papers that would be delivered to my house and if Im not home to sign for these papers that they will be sent back and deemed as failure to comply. I she calls from a block number but leaves XXXX as a call back #. I told her I just started a new job and plan to pay, but got another call this morning.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and I NEED FULL FILE DISCLOSURE and I need 100 % accurate and complete information reporting on me. 
I do not want any misleading accounts on my credit report that are inaccurate, incomplete or unverifiable. 
I am requesting that you do a full and through Investigation ensuring that the accounts are ACCURATE, COMPLETE, VERIFIABLE and are not violating my privacy rights. 
This will help me make sure that you only have correct information that will make identity theft or a mixed file much less likely. 
I am requesting that your credit reporting agency do a through investigation of the following accounts that I am disputing. 
Please investigate the accounts listed below to ensure maximum accuracy, completeness and that they are verifiable. 
It is my understanding that you will check these items with the alleged original creditors who have posted the items on my credit report ( s ). 
Please remove ALL information that the alledged creditor can not verify as accurate. 
I also request that you send notices of corrections to anyone who received my credit report in the past 6 months. 
Please investigate the accounts for inaccuracy. 

1 ) XXXX XXXX XXXX XXXX ) 2 ) XXXX XXXX Bank 3 ) XXXX XXXX On XX/XX/year> I submitted a procedures request. 
It was submitted via CFPB # XXXX under FCRA 611 ( A ) ( 6 ) ( B ) ( iii ). 
Unfortunately, Trans Union failed to send me the procedures that were used to verify my dispute regarding all ( 3 ) accounts listed and I then requested the names, telephone numbers and addresses of all the persons involved in the alleged investigation regarding my dispute. I received NOTHING from Trans Union within the 15 day period required by law. 
Instead, Trans Union verified the information again and ignored my request under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) so AGAIN I am requesting the information AGAIN if these accounts are not removed from my credit report. I understand that I can retain a litigation attorney and seek monetary compensation.
Product: Mortgage

I applied for a loan with Quicken loans about a month ago. I let them know at that time that I had given up a property recently because I could n't afford to keep it any more. So they knew it went through foreclosure which would negate the type of loan that I wanted. So I was told that I had to pay XXXX for an appraisal before the deal went any further. A few days after that I was turned down because of the foreclosure which they knew about before I went ahead with the appraisal and now they are refusing to return my money or to send me a copy of the appraisal.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I asked the credit bureau to validate these accounts. It's been well over 30 days and I didn't receive anything from them. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, 15 U.S. CODE 1681c2 a consumer shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
Name of Companies and account numbers. 
XXXXXXXX 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 These accounts should not be furnished in my consumer report as they are in VIOLATION!!! Under, 15 U.S. CODE 1681b Permissible purposes of consumer report as they are ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In according with the WRITTEN INSTRUCTIONS of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violated my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of these accounts IMMEDIATELY! 
Please send me a new credit report reflecting the changes. 

Thank you, XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

XX/XX/2022 I was approved for the loan of {$1400.00}. The interest rate is 740.62 % and as I pay, the loan amount continues to increase and is now totaling over {$3000.00} regardless of payments I have made. I am charged every pay day for this loan. When a missed payment occurs, they threaten to contact my employer for wage garnishment. I have XXXX small children that this is greatly effecting. I have contacted the company multiple times to see how to decrease the loan-and there are no options.