23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was contacted by mail by a collection agency on XX/XX/XXXX about a debt they were attempting to collect of behalf of XXXX , XXXX . The debt was in the amount of {$700.00}. After confirming with XXXX that my account had a XXXX balance, I contacted the collection agency and informed them that it was a result of fraud as I was the victim of identity theft in the spring of XXXX and that I was still dealing with many cases of fraud by people using my personal information. The agent agreed that they would close the case and I received no further notices from them. Then I received a notice from different collection agency on XX/XX/XXXX about the same XXXX debt of {$700.00}. The XXXX account number listed on the notice was the same as the one in XXXX. I contacted the XXXX collections department and the agent there confirmed that my account has a XXXX  balance. She looked up the account with the XXXX debt, but said that the personal information ( phone number and email ) did not match and would not give me any more information about it. It is obvious that someone has opened a XXXX account using my name and XXXX is continuing to attempt to collect the debt from me even though they admit I owe them nothing. The collection agency that sent me the latest notice is : Convergent Outsourcing , Inc . I am attaching a copy of the notice with their contact information.
Product: Mortgage

Wells Fargo wrongfully denied a modification because : They said you had to be in default to qualify ( which I do n't ) ; There was a change in circumstances because I lost one of my jobs that they did n't consider.
Product: Payday loan, title loan, or personal loan

701 % APR interest charged on a {$1200.00} loan
Product: Mortgage

I have spent the past 2 months trying to modify my loan with Ocwen and it 's been an excruciating experience to say the very least. After 10 years, it adjusted last year to a XXXX yr adjustable rate and my payment went up significantly, over $ XXXX. This year, it just went up again another $ XXXX. I am self employed and have gone from a XXXX income household to XXXX income. My credit is excellent and I make the payments on time. All I want from them is to fix the rate with a XXXX yr ammortization so I can afford the payments and keep my house. 

Aside from the numerous re-requests for documentation and forms and signatures that they already have, I was recently instructed to retrieve a copy of my divorce decree from the XXXX because apparently my letter of explanation and a copy of the recorded dissolution were just not enough. This was a costly and timely endeavor but I did so. Then I waited for a week for the Assumptions Application which I was instructed to fill out. When I finally received it, I quickly realized it was actually a loan application. I called the number listed on the application and the assumptions XXXX I spoke with confirmed that yes, this is a proper loan application and has absolutely nothing to do with the loan modification process. He said the loan mod dept had no idea what it was doing. If I was qualified to refinance or assume the loan and take my ex 's name off of it I would have already done so years ago. Unfortunately I do n't have the income to qualify which makes me not a candidate for assumptions. 

Since then, Ocwen told me to get a XXXX deed taking my ex off title. I did so and sent it in and now they keep trying to send me back to assumptions. 
My relationship XXXX does n't call when we have scheduled appointments. Every day I get calls and letters and emails from them asking me to do something I 've already done. The left hand has no clue what the right is doing. 
I have spent so much time and money on this process and it feels futile. I have excellent credit and have never missed a payment. All I want from them is a XXXX yr fixed rate. I 'm not asking for anything else. 

Is there anyone on your end who can help me try and navigate through this frustrating process?
Product: Vehicle loan or lease

On XX/XX/2023 I paid M & T Bank the payoff on my loan of {$14000.00} from payoff quote sent to me via fax. I called them next day to ask when title would be sent out. They told me ten business days! I argued all the way up the chain with no luck. I waited XXXX business days and called again. I was told XXXX business days of which I told them it had been. They put me on hold as I had ask to speak with supervisor. She told me it had been mailed that morning and could take 10 days to recieve. I blew my lid and ask if it was coming pony Express and should I be looking for a horse? She hung up on me!! 10 days really?? It has been 16 days now since payoff. They are holding my property! The supervisor tried to make me understand that a payoff using wire transfer would have been quicker than a bank account to bank account that I have used for the whole loan payments. I have spoken to FDIC, no help and Fereral Reserve, gave me this site. I had camper sold and the couple who purchased this, bank was waiting on title from me!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX and Account # XXXX, have 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 an account without a permissible purpose.
Product: Credit reporting or other personal consumer reports

I have filed multiple complaints in reference to my federal consumer rights being violated by Experian due to their reporting 's on my consumer report. I received mail from them in reference to verifying my identification. I provided my ID, social security card, and multiple pieces of mail, one being a bill and other a promotion mail from a promotional inquiry attached below.
Product: Vehicle loan or lease

The defendant company illegally repossessed my vehicle, incurring a breach of peace in violation of UCC 9-609 and the California Financial Code 7507.10. In addition, upon issuance of a 1099-C, the debt is no longer legally enforceable under 26 U.S.C. 6050P, yet the company continues to report the balance on my credit report in violation of FCRA 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ). 

Additionally, if the company performed the repossession without a valid present right, this is a violation of FDCPA 15 U.S.C. 1692f ( 6 ), which prohibits the unlawful taking of property without proper legal authority.

The company also failed to conduct a reasonable investigation pursuant to FCRA 15 U.S.C. 1681s-2 ( b ), as it continues to report inaccurate information on my credit report.

This negative information has significantly affected my credit score and my ability to obtain financing. In addition, the erroneous reporting of a debt already discharged represents undue financial harm.
Product: Checking or savings account

on  XXXX   XXXX     2017  my local Chase branch in  XXXX  Colorado closed my checking and savings accounts without warning. I was denied a withdrawal request from the atm at the branch. I immediately went to my branch and was informed that my acct had been placed on restriction, no funds were available, and that they did not want to do business with me any longer. i asked why and they said they could n't tell me.   I received a letter dated  XXXX / XXXX / 2017  ( see attached ) claiming that my accounts were blocked because they had n't received the information they had requested. what information?. i received no request.   On  XXXX   XXXX  i went to my chase branch and was allowed to withdraw {$370.00}. chase confiscated the rest of my money totaling {$1400. 00} ( ban k statements attached ) Also on  XXXX / XXXX /   2017  i received a letter from chase fraud recov ery ( copy attached ) informing me that there had been fraud in my acct and that they were taking {$1400.00} to  cover their loss. For questions i was to call  XXXX   XXXX  at  XXXX  Ive called him 6 times, neve r got through, left 6 messages with no return call from him. Als o on the  XXXX  i received a letter from cha se executive office informing me again that chase had the right to take my money and close my a ccounts. On  XXXX / XXXX / 17 , i spoke to  XXXX  at chase  complaint center. She said she would have a senior rep call me in 24-48 hrs to help me. As usual  NO CALL since. I am innocent of any wrong doing and chase refuses to cooperate so that i can recover my funds and clear my name As i state in my letter to chase of  XXXX / XXXX / 2017  this is the most shabby, unprofessional treatment Ive ever had. this reeks of a cover up and an " inside job ''! I expect prompt attention and assistance from chase to uncover the cause of my loss. Lacking their cooperation i will take whatever steps necessary to expose their bullying to the public and to the Colorado attorney general.
Product: Checking or savings account

On XX/XX/2019 while getting my papers from library printer I left my wallet on the computer desk, at XXXX Library. There are scores of homeless people who visit the library as there is a shelter across the street. I tried not to assume the worst, left the library and went about my business. XX/XX/19 I  receive text alerts from Bank of America of possible fraud. I check my accouny to discover unauthorized, fraudulent charges across the XXXX Virginia area and XXXX. I check my backpack where I kept my wallet since the previous date and my debit card and state ID are missing from my wallet. I immediately contact BofA and they inform me the pending transactions will be stopped, ( but, they aren't and my account is thrown into the negative {$230.00}, DESPITE ME NOT HAVING OVERDRAFT ) and I will receive my money back within three days. I file two claims ; one for {$290.00} and another {$930.00} totalling the amount of money I have not authorized to be spent and recognize as fraud, yet Bank of America has refused to return the funds of this fraudulent activity and allowed my account to be overdrawn when the account DOES NOT have overdraft protection. This has caused me extreme hardship ; can not eat, pay my rent or phone bill, can not get to work as I have no money to purchase a bus pass. I filed police report XXXX, spoke with Officer XXXX of XXXX County Police Department.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have the right to contest any information on my credit report that I believe is inaccurate, per the Fair Credit Reporting Act. The data included in it must be documented and validated before it is shown to anyone else, because if not, then there will just have been one person who wasn't doing their job - which means more mistakes! I challenge the reportability of the allegations within my credit report. They simply are not true! My credit report is riddled with errors. I will not accept or recognize the allegations and claims within the report as true without further evidence, which meets both federal AND state requirements for reporting! 
Please remedy the situation immediately. Non-compliance with regulations and the law is never acceptable! The government is watching you like a hawk. They want to make sure that all your claims are accurate and reported in the correct format, which meets both METRO 2 standards as well as FCRA requirements! Im requesting evidence to show why my accounts are considered delinquent or derogatory. This includes any proof that the creditor had a permissible purpose for making claimed accounts and inquiries. I will be monitoring the situation and I expect to hear from you within 30 days. I expect you to confirm and verify the items are indeed reporting correctly or remove them permanently from my report.
Product: Checking or savings account

My account was hacked and {$32000.00} was withdrawn from my equity account without my permission. The bank does not believe that it was not my fault. Then they sold my debt to a debt collector that is forcing me to pay back the amount plus interest.
Product: Debt collection

On XX/XX/XXXX I reached out to Creditors Protections Svc after I had noticed a collections mark on my credit report. I spoke with a collections specialist by the name of " XXXX XXXX '' I had explained to her I wanted to make a repayment agreement and established a payment amount. When it came time to take my payment jnformation she asked who I banked with, I asked her was I not able to use my debit card? She then stated I was not able to because the payment amount was n't over {$100.00} which was the amount I would need to pay to use a card transaction. I then stated to her you guys sure do make it difficult to make a payment. XXXX then stated to me " that 's what happens when your account is placed into collections it 's not sweet '' I tried to speak the rep then spoke over me would n't allow me to speak, I asked her if the calls were recorded she kept telling me they MAYBE recorded. The rep was extremely unprofessional I asked to speak to a manager she told me there was n't any available. I asked her for a team lead, supervisor, manager, assistant general manager, or the general manager she advised me that no one was in the office that there was absolutely no management or anyone else that I could speak with. She claimed her managers name was " XXXX XXXX '' and that she would have her call me back. The representative then hung up on men
Product: Checking or savings account

Chase Bank notified me that they were closing my account effective immediately. They closed my XXXX, XXXX, XXXX, and all my credit cards. 

They said they would mail me a check. They did not. Now they are holding onto all my funds in all my accounts because they said I had XXXX party deposits. I was not aware of anyone sending me funds that were not in my name. All I provided to my customers was my Routing number and Account Number. Now Chase is holding onto all my money in both accounts and they have not sent me any communication. The only way I know about this is because I was expecting checks and they neve came.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start legal action. Its my intention to not pursue any legal action so please adhere to the law. The following items are listed below : XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX  XXXX XXXX AL XXXX XX/XX/XXXX, XXXX XXXX XXXX  XXXX, AL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX, XXXX XXXX Balance : {$0.00}, XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$420.00}, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There was a major security breach at Equifax. I found out about this on XXXX today XXXX XXXX XXXX, XXXX ). Not from the company, not from any other bureau, but on XXXX XXXX thank you XXXX XXXX. I checked Equifax and it told me my information was likely compromised, but that I should contact them on XXXX XXXX, XXXX to take further action. At that point I decided to freeze my credit through Equifax, XXXX, and XXXX. Not only is this inconvenient for me, but I had to pay a total of {$20.00} to do this. So, in essence, I am having to fund the company that lost my information in order for them to agree not to further release my information. That is unacceptable. 

I also find the entire credit reporting racket to be unacceptable. We can not track our own credit scores without paying for a service. We can only get credit reports for free once a year. There are no posted guidelines on how to improve your score because each place has their own proprietary way of handling things. 

Identity theft is just going to get worse if we insist on having everything tied to a social security number. Giving these credit bureaus full control over all the buying power of Americans, without them having to say how to improve your standing is also terrible. This should be a wakeup call that this needs to change. It is only going to get worse if it does n't.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to fix this problem several times with ACA. they have a inquiry on my report on XX/XX/2020 to mu knowledge i didnt give them permossion. When i realized it i reached out thinking this company is upholding the law. I quickly found out otherwise. I did my research many complaints paints them as a bottom feeder type company. They had no permissible purpose. The answer to my question of validation and verification when raised is that. Another company sent over my name and social seeking credit on my behalf.Why would i go to a 3rd party to obtain more inquiries when i can go to them mysel? I never allow anyone to do for me what i can do for myself. ACA believes by brushing me off they will rid themselves of me. No i will not go away until this fraudulent act is justified. I intend to seek remedies that has been set forth to help us from predators like this. I have no knowledge of this i believe the burden of proof is on them to prove that is actually did that. I've been waiting for a answer to no avail. I called them on The phone, they diverted me to their website. I went to website, no place to dispute anything. This inquiry is not mine. I do not want the generic answer which i will attach to this complaint. The generic answer in response to validation and verification with wet ink signature. Dont i have the right to ask that? Being as though 60 % + credit reports have errors fraud or mistakes. I want proof from your company ACA AND I WANT PROOF FROM TRANSUNION ON WHY THEY ALLOW THIS UNETHICAL COMPANY TO HURT GOOD PEOPLES LIVES THAT WORKS HARD? IT'S A SHAME! A SCAM!. IF I GO TO ONE COMPANY THEY CAN ALL SHARE MY INFORMATION WITHOUT MY CONSENT? AND IF NOT WHY WHEN I POINT IT OUT IT'S NOT IMMEDIATELY CORRECTED IF ACA AND XX/XX/XXXX IS HERE TO REPORT ACCURATE DATA?
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

I have been attempting to obtain my annual free report for the past few years, but it keeps stating that the request can not be fulfilled.
Product: Credit reporting 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. 

List of Unauthorized 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 XXXXXXXX XXXX - XXXX 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 card or prepaid card

In XX/XX/2020, with the beginning of the epidemic, I knew that I would not be able to make the minimum payment of {$84.00} required due to unemployment. I had a auto pay set up and cancelled the autopayment immediately to avoid added fees or penalties until I could determine how to get a payment to them. 

On XX/XX/2020 - an auto payment in the amount of {$160.00} was sent through to my PNC bank account without authorization. When I checked the account in hopes of stimulus check, I saw this debit was issued. 

I went back online to the credit card site to verify that i had cancelled as I thought I had made a mistake. I hadnt made a mistake. There aren't any scheduled payments listed. 

I contacted the credit card company and they told me that I didn't do it right when I cancelled the auto payments. I told them thats incorrect and I have a screen shot that I can send to them showing them that the online system gave me an error code and that a transaction to cancel an auto pay could not be done as there wasn't one scheduled to begin with. I told them that they sent through a payment that was not authorized by me and to reverse the payment. I was told that because I was delinquent they would put the request in but it could be denied in three days and I would have to wait. 

In the meantime, my account is overdrawn and the {$19.00} I had in the account is gone and I will be facing penalties by my bank. 

XXXX XXXX Credit Card company submitted an UNAUTHORIZED payment to my bank.