23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Loan Acct XXXX Loan denied after appraisal was completed, Client relations claims file was e-mailed to new lenders. New lenders never received the file. Closing was delayed a week due to negligence of Rocket mortgage team.
Product: Credit reporting or other personal consumer reports

I am filing this complaint to dispute an inaccurately reported charge-off account associated with XXXX XXXXXXXX Account Number XXXX on my Equifax credit report. The creditor has failed to substantiate or validate this charge-off in compliance with federal laws and regulations, including but not limited to : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. : The FCRA requires creditors to report accurate and verifiable information. The reporting of this charge-off account lacks adequate substantiation, as no documentation proving the validity of the debt has been provided. 

Internal Revenue Code, 26 U.S.C. 6050P : When an account is deemed uncollectible and charged off, the creditor is obligated to issue a 1099-C form for cancellation of debt if the forgiven amount meets the reporting threshold. In this case, no 1099-C form has been issued, which raises doubts about the legitimacy of the charge-off. 

Consumer Financial Protection Bureau ( CFPB ) Guidelines : Under CFPB rules, creditors are required to ensure fair, accurate, and substantiated credit reporting practices. Reporting this account as a charge-off without proof of its validity may constitute an unfair and deceptive practice in violation of the XXXX Act, 12 U.S.C. 5531.
Product: Vehicle loan or lease

I have already resolved this matter and also have proof of all paperwork were it has a {$0.00} balance. I'm now XXXX and don't want to bother with this issues.
Product: Debt collection

In the beginning of XX/XX/XXXX in my XXXX report I did find adverse account. 
The collection company name : Sequium Asset Solutions Inc., # XXXX ( SAS ), located at : XXXX XXXX XXXX, XXXX, GAXXXX, ph. XXXX Collection was placed XX/XX/XXXX, and balance is {$120.00} Original Creditor : XXXX XXXX. 
After my conversation with SAS I got information that the debt was opened under my name and SSN but with address in Texas : XXXX XXXX  XXXX, XXXX  XXXX, XXXX XXXX, TX XXXX I never ever lived in Texas and did not use any service from companies listed above. 
Regards, XXXX XXXX
Product: Payday loan, title loan, or personal loan

XX/XX/XXXX Re : Credit Acceptance Violations of FCRA, Usuary and Truth in Lending Laws To Whom It May Concern : I am writing regarding my Auto Loan Account with Credit Acceptance Corporation. This lender has violated the Truth in Lending, Usuary Laws and has been reporting inaccurately on my account that displays on my credit report which violates FCRA Regulations. 
I financed a XXXX XXXX XXXX in XX/XX/XXXX. The initial balance financed was {$23000.00}. 
The current balance now as of XX/XX/XXXX is {$22000.00}. Next month will be a year since Ive been paying on the loan and my total balance has only been reduced by {$1200.00}. 
For starters, Credit Acceptance has violated XXXX Usuary Laws by charging me over 16 % in interest for this loan. My rate is at 19.99 % annum. This is predatory lending. 
They gave me an option to make payments bi-monthly on the XXXX of each month and the XXXX of each month based on when I got paid when I signed the contract but still continue to charge me late fees each month after the XXXX of the month. Why set up this arrangement if late fees will be incurred. Even though, I have made several full payments within 30 days, they report my account 30-60 days late because of late fees. 
This lender does not look out for the best interest of the customer. 
Furthermore, 12 CFR Part 1026 - Truth in Lending ( Regulation Z ) has been violated which states in Subpart C : ( 3 ) Subpart C relates to closed-end credit. It contains rules on disclosures, treatment of credit balances, annual percentage rate calculations, rescission requirements, and advertising.

Credit Acceptance is telling me that my current pay-off is good through XX/XX/XXXX is {$22000.00} but is not fully disclosing how they came to this pay-off amount based on the payments Ive made for almost a year. This is a violation of Regulation Z pertaining to installment loans and closed-end credit. I called Credit Acceptance on XX/XX/XXXX after receiving a payment history statement. The representative assured that everything was correct and there were no violations. I noticed that my initial balance on the statement had been {$39000.00}. This is the total balance I would pay after 66 months but I am being charged the full interest and priciple combined. 
I am requesting that my account be reviewed and that this situation be rectified within 30-days according to FCRA regulations. I have attached, a payment history and my initial contract for this vehicle. 
Respectfully, XXXX XXXX Cc : Credit Acceptance Corporation
Product: Checking or savings account

Bank of America closed my account that i had with them for years after reporting fraudulent activity. My purse was stolen from a friends house that I was visiting by another individual who was present at the time. I made bank of america aware of all of this. The person deposited checks into my account that DID NOT have my signature or authorization on it. I attempted to fight this on several occasions. They reported my account to XXXX ( since removed ) and XXXX ( which they own and it appears for 7 years ). This has caused me issues when it comes to opening an account as they label me as " fraud ''. I have researched online and there are several forums in which BOA has done this to hundreds of others without even attempting to investigate the claims. These invests took place in 2014.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX refused to accept and returned my ontime payments in XX/XX/2021 and XX/XX/2021 after forbearance. They subsequently reported me INACCURATELY as XXXX  days late.
Product: Debt collection

This company has gotten a judgement and has frozen my bank account for an amount I do not owe. They are not the original creditors and have inflated the amount owed. I am trying to fight it in court. The company is XXXX, XXXX and XXXX.
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 XXXX late payments on an account that was in fact paid on time. The consumer reporting agencies 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/2023 and XX/XX/2023 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 action.
Product: Debt collection

On XX/XX/XXXX, I received a judgement letter form the XXXX XXXX XXXX ( see Exhibit A, XXXX ) alleging that I owe Portfolio Recovery Associate {$3600.00}. Portfolio Recovery Associates ( PRA ) assumes the debt from XXXX whom I had a credit card account with. 
On XXXX XXXX, XXXX, I enter into an agreement with XXXX XXXX ( see Exhibit B ) to assist with consolidating some of my outstanding credit cards debts. Under that agreement, they negotiated on my behalf with several of my creditors, including XXXX, to pay off or reduce some of that debt. In XXXX, XXXX, they negotiated and settled for {$2000.00} to close that account ( see Exhibit C ). I have communicated this information to PRA on several occasions thru XXXX XXXX so I am a little surprise to have received this judgement. This has been paid in full and acknowledged by XXXX XXXX and XXXX.
Product: Mortgage

I had applied for a mortgage after being transferred with XXXX XXXX and XXXX XXXX in XXXX of XXXX, I was told that I was in arrears with a past mortgage for a home in Missouri which my ex-wife received in the divorce in XXXX. There was a mortgage modification performed on that note for the house in Missouri on XXXX XXXX, XXXX which clearly shows my name on the Agreement, however I never signed said modification and would not have done so. I filed a complaint with Wells Fargo and they were disinclined to correct the issue. My ex-wife has been in arrears on the note, and I am the one whose credit rating keeps her in that house.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need my Equifax freeze lifted and called, tried to log in and all I get is that it can't be done, my information is incorrect. If finally got a person who said to mail a letter and my social security card and drivers license to Equifax and they would send a password that should arrive five days later. I sent that XX/XX/XXXX. I sent another letter XX/XX/XXXX to say I have gotten nothing. I've been calling since XX/XX/XXXX or XXXX and got the run around from one computer to another for days just to finally get a person. 

I don't get it that someone in another country can hack my credit card within days that I activate it, but Equifax won't give me access to my account to lift the freeze long enough to get a credit card from someone other than Mastercard which seems to be on hackers radar. 
If you can't help, I'm used to that. But please, someone have some compassion and get through to Equifax if you can.
Product: Mortgage

I was working on a loan modification with my lender ASC Wells Fargo is the servicer. I was told the modification review was halted for XXXX different reasons. The first reason was missing paperwork. The required paperwork was submitted but in fact the home preservation specialist was reassigned and my paperwork was lost during the transition. Second reason I was given and a very different one was that the value of my home was in the XXXX range and therefore a modification or principle reduction was not possible. The comps the lender used were comps outside of my neighbor hood and the appraisers were located in cities XXXX miles away. The appraisers did not look at the recent solds on my street which are in the XXXX range. I sent the recent sales ( XXXX range ) in my neighborhood info to ASC. The information I provided with the accurate home value info was forwarded to a loan specialists with Wells Fargo. I received a letter that they were reviewing and would get back to me. The review was to be completed by XX/XX/XXXX. That date passed and I did not hear back from Wells Fargo. When I called to inquire the loan specialist assured me the denial for loan modification had nothing to do with the inflated appraised value of my home. Within a week a sale date was set for my home and no written communication came from Wells as promised. It was all verbel. I contacted XXXX XXXX the Wells loan specialist to inquire as to why I had not received in writing the reply to my request for further review. It was suppose to be received XX/XX/XXXX. See attached letter. When I spoke with XXXX I asked what the price would be for my home at sheriff sale and she indicated it would be in the XXXX range the true value of my home based on recent sales. Essentially Wells denied a modification this time because their appraisers valued my home in the XXXX range when in fact the value is in the XXXX range as confirmed by XXXX XXXX and that is the price it will be sold at sheriffs sale. How can a lender be so far off on determining market value of a home? Why would slender rather foreclose on a property than do a principle reduction and keep an owner of 27 years in their home and at the same time keep the neighborhood from decline. My complaint is two fold. I have been given multiple reason for denying a loan modification and the lender Is responsible for using inaccurate comps to value my property. Inexcusable for a lender. I have yet to get a sherries notice. I found out about the sale date in public records. I thought I was to be given 30 days
Product: Credit card

On Monday XX/XX/XXXX of XXXX, I received a call from Wells Fargo reporting suspicious activity in my checking account. I confirmed the activity was fraudulent, ordered a new card and was reimbursed for the amount. The next day, the fraudulent charges continued. I talked to WF and found out that someone had cloned my card, had my pin number and was calling the automated system. In the automated system they were able to increase the atm withdrawal amount, move all of my savings to my checking, and order a cash advance from my credit card. I took several steps to stop this from happening, spending about four hours on the phone with wells Fargo and another two hours in a branch proving I was the owner. I changed my username, passwords, pins, ordered new cards, then cancelled all cards. I even closed the account and opened a whole new one. In the end Wells Fargo denied all my claims and refused to pull up video of the atm showing it wasn't me making the withdrawals. I had to file a complaint here in order to get reimbursed for the {$11000.00} stolen from my account due to their negligent phone security. They still denied my {$8000.00} claim on the credit card even after reimbursing me for the checking account fraud. I am now being charged huge interest fees and other charges on my credit card for money I never withdrew. I want all charges on my credit card cleared.
Product: Payday loan, title loan, personal loan, or advance loan

I changed banks around XX/XX/XXXX. I called and made payments arrangements only for 2 future dates. On XX/XX/XXXX I called and they spoke with my bank to authorize auto payments. Nothing was fixed. XX/XX/XXXX or around that time I spoke with them again to set up payment arrangements. Spoke with a male. We spoke with my bank again. They authorized my auto payments. Nothing was fixed and they later on emailed me again saying my payments were late. Please help stop this fraudulent action on my behalf!
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian continues to report a XXXX account which has been closed with XXXX and XXXX as well. This account is still reporting negatively on my profile and its blocking my ability to obtain credit. Inaccurate and incomplete information shall be deleted. i was never late with a payment. Block and remove this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX Balance : {$570.00} XXXX  XXXX XXXX XXXX : {$680.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX ) XXXX XXXX XXXX {$2100.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$350.00} XXXX XXXX  XXXX Balance : {$1500.00} XXXX XXXX XXXX Balance : {$2600.00}
Product: Credit reporting or other personal consumer reports

I have not been able to retrieve my credit report, in months, due to ALL 3 bureaus having various, reporting the wrong addresses.

I need my current address to be updated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America froze my checking account on XX/XX/2019. I have a printout from the manager of the local bank that morning that shows I had {$5900.00} on deposit. Later that day the fraud dept froze the account and actually closed if. Neither I nor the bank manager were able to access it. 
I filed a complaint on XX/XX/2019 I received a letter telling me the issue was closed and a check would be issued I did not receive a response for a month so I filed a complaint on XX/XX/2019 I received a check for {$100000.00} on XX/XX/2019 and a letter saying the issue was closed I filed a complaint on XX/XX/2019 protesting the decision and the lack of an accounting of the money that they still held. 
On XX/XX/XXXX I received a letter informing me of the decision and the process behind it. The explanation consisted of a 20 page printout of the banking rules and regulations they operate under. 
I filed a complaint on XX/XX/2019 On XX/XX/2019 I received a check in the amount of {$3300.00}. 
{$5900.00} minus {$1000.00} minus {$3300.00} leaves a balance of {$1600.00} that has not been accounted for.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was used without my knowledge and because of several phone calls from creditors that did not belong to me, that prompted me to check my credit. According to XXXX and XXXX XXXX my personal information was exposed in both of their data breaches. XXXX, then confirmed that I was XXXX of the individuals whose data was exposed twice this year alone. To date, I have noticed that there are several inquiries and credit accounts that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC and a police report. The FTC Identity Theft Report number is XXXX
Product: Debt collection

I mailed a request for validation to XXXX XXXX XXXX XXXX on XXXX/XXXX/15. The return receipt card indicates that this request letter was received by XXXX on XXXX/XXXX/15. In my XXXX/XXXX/15 letter I specifically asked that XXXX provide me with an explanation of how the alleged balance was calculated, proof this debt was not time-barred and a copy of the original account level paperwork that contained my signature. XXXX 's response letter was sent just one day after after receiving my letter and is dated XXXX/XXXX/15 ; in this letter they identify the original creditor as GEMB/Care Credit. This company provides healthcare financing and this alleged debt is not identified in my credit reports as medical debt. Not only has XXXX failed to provide the requested information, but they ask that I provide them with a copy of the contract and a copy of the bills or statements that show the amount owed or rates. If I am asked to provide them with this information then I can only presume that they do not have this information in their possession. My second request for validation was mailed to XXXX on XX/XX/XXXX15and the return receipt card indicates that this request letter was received by XXXX on XXXX/XXXX/15. In my XXXX/XXXX/15 letter I specifically ask for proof that this alleged debt was assigned to XXXX. XXXX has not responded to my second request and has not properly validated this alleged debt. XXXX XXXX XXXX XXXX is XXXX XXXX XXXX XXXX 's main revenue generating subsidiary XXXX. By way of Consent Order in the matter entitled USA Consumer Financial Protection Bureau, File No. XXXX, In the matter of XXXX XXXX XXXX XXXX XXXX, et al dated XXXX/XXXX/15, XXXX was identified as having violated Sections XXXX XXXX a ) and XXXX ( a ) ( XXXX ) of the Consumer Financial Protection Act of 2010 XXXX " XXXX '' XXXX, XXXX U.S.C. XXXX XXXX a ) and XXXX ( a ) ( XXXX ) ; Sections XXXX ( a ) ( XXXX ), XXXX, XXXX ( XXXX ), XXXX, XXXX ( XXXX ) ( A ), XXXX ( XXXX ), XXXX ( XXXX ), and XXXX ( XXXX ) of the Fair DebtCollection Practices Act ( " FDCPA '' ), XXXX U.S.C. XXXX ( a ) ( XXXX ), XXXX, XXXX ( XXXX ), XXXX, XXXX ( XXXX ) ( A ), XXXX ( XXXX ), XXXX ( XXXX ), and XXXX ( XXXX ) ; Sections XXXX ( a ) ( XXXX ) ( XXXX ) and XXXX ( b ) of the Fair Credit Reporting Act ( " FCRA '' ), XXXX U.S.C. XXXX ( a ) ( XXXX ) ( XXXX ) and XXXX ( b ). Under sections XXXX and XXXX of the XXXX, XXXX U.S.C. XXXX, XXXX. In this matter, it was found that XXXX had questionable debt buying practices, did not properly investigate consumer disputes, collects debts without a reasonable basis, collected time-barred debt, etc. XXXX has not provided me with any of the requested validation information or their method of calculating that I allegedy owe {$19000.00}, which is {$8100.00} in excess of the alleged {$11000.00} XXXX approximate ) original balance. I believe that XXXX has demonstrated many of the behaviors towards me that are outlined in the Consent Order and that they can not substantiate their representations. This alleged debt is time-barred and XXXX has not conducted a reasonable investigation of my dispute, despite multiple requests.
Product: Credit reporting or other personal consumer reports

I recently became aware of the lawsuit against Experian and believe that I have been negatively impacted. After disputing certain accounts on my credit report, I received a response from Experian stating that the accounts were verified. This has harmed my ability to secure credit. 

If Experian can not provide the necessary documentation or proof to support these accounts, they should not be permitted to report them on my credit report. 

Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

FCRA Vilolations not mine not my cc XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid in settlement. {$2600.00} written off. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$16000.00} Status Account charged off. {$16000.00} written off. {$16000.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$4900.00} Status Account charged off. {$4900.00} written off. {$4900.00} past due as of XX/XX/XXXX. 
Hippa Viloation not mine XXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$1500.00} Status Collection account. 

not my address XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX Resident type Single family not my name XXXX XXXX XXXX XXXX XXXX not my inquries XXXX
Product: Debt collection

Im not sure about the date but speedy cash making my credit bad they deleted it for my XXXX  not the XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian received my dispute regarding credit acceptance and they have not properly invistigated this credit acceptance mischievous behavior and dThis company responded addressing most documentation, credit acceptance has on file is fraudulent documentation, the employer they have on file is a company I never worked for, the signature 's on the contract are not mine, the bank statement from the financial institution is not mine and seems to be fake, I never banked at not until recently, however, the XXXX statement are mine, how this insitition has these statements are mind blowing, I absolutly have no idea how anyone had access to them, in addition, the address listed on these documents is not an address I ever resided at - ever document they have are fruadlent docuemnts put together in the effort to receive goods and services or financial gain. documentation properly themselves,
Product: Credit reporting

I noticed that every time I tried to access my credit score I could n't get them every time I logged in the report would come back that I do n't exist so I demand that u investigate XXXX XXXX and XXXX XXXX XXXX I never used those names thank u
Product: Checking or savings account

On XXXX XXXX, XXXX  I went to a citizens bank ATM at XXXX XXXX XXXX to withdraw {$500.00} to shop for XXXX XXXX XXXX  clothes and coats. The ATM did as if it was disbursing the money but it did not. That money was put for XXXX XXXX  clothing allowance from Department of Transitional Assistance ( DTA ). I have gone to multiple citizens banks multiple times they keep making go in circles. Even after bringing a XXXX Police Report everyone at the banks act like the Ctizens Bank ATM does not belong to them. One person at the bank gave me a number to call which is XXXX. XXXX told me they are not responsible for the cash they just do pick up and drop offs and that the bank should be able to tell me where my {$500.00} went.