23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, Equifax and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX Balance : {$2900.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$2400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I apply for auto loan with bank of America they made an Auto Inquiry by checking my XXXX  Credit File they did second inquiry and both inquiries are showing on my credit report I call bank of America they say thy going to fix it, but nothing happens yet still showing on my report 2 inquiries for same auto loan.
Product: Debt collection

I understand that I am past due on my payments to Conn 's. They call me every single day multiple times a day from different numbers. Last week, they started calling my job. I scheduled a payment with the lady and told her not to contact me at work, and she said she could not delete the number from work, but she would make a note not to call the number. I told her to remove the number and that she is not allowed to call the number. Those calls have stopped, but on Wednesday, the phone number XXXX called my cell phone 18 times, starting at XXXX XXXX. until XXXX XXXX I got two calls from XXXX the following day and blocked the number. Today, I have received 12 calls from XXXX so far and it is XXXX XXXX I have blocked that number as well. These calls need to stop. I make the payment when I am able and this is absolute harassment.
Product: Credit reporting or other personal consumer reports

Received an email that my social and or credit cards has been compromised
Product: Checking or savings account

XXXX filed on XX/XX/17 Regarding my complaint filed against Wells Fargo for resending on an agreement for their written payment arrangements on an FHA home loan we had and were having difficulties during this US time frame. I filed a complain do to this as well as personal property loss from said property as well as loosing our home and property. My name was XXXX XXXX XXXX at that time now legally changed to XXXX XXXX XXXX. Wells Fargo is currently under scrutiny for this type of wrong doing and a class action suit. I would like my case formerly to be looked at again as I reported this and gave supporting documents. This wrongdoing made a family loose their home and possessions. I also uncured over draft fees. XXXX XXXX
Product: Credit card

We have been double-charged multiple times. For example, a {$5000.00} payment was made, and Bank of America withdrew it from our checking account twice but didn't apply it to our balance. We have contacted them to report the issues and now have {$270000.00} in withdrawals from our checking account. Our bookkeeper has located multiple times that this has occurred.
Product: Credit card or prepaid card

I have been trying to get in contact with this company to resolve this issue as to why they shut down my account and they will not get in contact with me. The information as to why they shut down my account is inaccurate and I need help getting this resolved.
Product: Mortgage

I have been working with Coldwell Banker ( PHH ) for the past 12 months after my divorce in an attempt to lower my mortgage. they have been less than cooperative, demanding the same documentation over and over again, claiming non-reciept on every occasion. they refuse to cooperate and are unwilling to negotiate. It is a never ending cycle of noncooperation on their part. After months of frustration with Coldwell Banker I asked for assistance from XXXX XXXX XXXX development corporation to get a resolution for my case. I have been working with XXXX XXXX XXXX who can been reach at XXXX for the past 12 months. Even with his assistance I still receive the same response from Coldwell Bankers ( PHH ). Missing documentation letters or letters asking for the Home Assistance Packet to be filled out again? Meanwhile the amount that i owe keeps rising and Coldwell Bankers ( PHH ) also keeps tacking on huge late fee, which have been accrued due to them not coming to a decision on how to assist me.
Product: Payday loan, title loan, or personal loan

It wasn't any of those problems with the company. What happened was I got an email and phone call from someone who claimed it was from this company and they had all my information. They just wanted me to verify it and I did. Then I received another phone call about 20 mins later stating it was this company again. He was asking for my info and I said you all already have it because I spoke to someone, he got upset and I hung up. So I called the local branch and found out I was denied the loan and that no one has called me. I got the headquaters number and found out they had no one by that name working there and there was no record of someone from the office calling me. So some how someone got my info from this company ( when I probably applied online ), called me and made sure all the info was correct. This company didn't make that call.
Product: Credit card

Re billed for unknown charges with added late fees and interest for fraudulent charges.
Product: Debt collection

My car was stolen XXXX XXXX 2014. The corresponding police report number is XXXX. I was issued few tickets between the time the car was under the possession of the thief. XXXX IL also issued me tickets within that time frame. I explained the situation to them several times and also mailed and faxed the copies of police report to prove I am not liable for the tickets. They still went ahead and referred the ticket to a collection agency. I then contacted the collection agency and explained the situation to them and provided copies of police report. However, they still went ahead and put the ticket on my credit report causing it to drop by a XXXX points almost. This adverse account on my credit is totally unfair. Other tickets issued by other agencies were removed once I provided the proper documentation. I was not liable for this ticket in the first place. I was instructed by the police to provide a copy of the police report to any agencies the issued me any violations to get them removed.
Product: Debt collection

Hello, I have reached out to Caine & Weiner several times to remove this collection account. Neither time was this company able to validate it but the account remains on my credit report. When I asked for a signed contract that is required, they were unable to provide it. They have only sent me a bill. This is not what I asked for and does not validate anything. Please have this issue resolved. If a signed contract can not be provided the debt must be removed immediately.
Product: Credit reporting or other personal consumer reports

XX/XX/year> These Credit Bureaus are not following the FCRA laws. They reporting inaccurate information to my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Cease and Desist from Contact Regarding account number : XXXX Dear XXXX XXXX, I am writing to formally request that you cease and desist all communication with me regarding the above-referenced debt, including but not limited to phone calls, letters, emails, or any other form of contact. This request is made in accordance with the Fair Debt Collection Practices Act ( FDCPA ). 

Please be advised that I am requesting you to stop all further attempts to collect this debt, and I ask that you refrain from contacting me again. If you continue to attempt to collect this debt after receiving this notice, I may file a complaint with the Consumer Financial Protection Bureau ( CFPB ) or my states Attorney Generals office.

Please confirm in writing that you have received this request and that you will comply with it. Per Section 623 ( A ) ( 1 ) ( A ) ( B ) you have been notified and you are not allowed to report moving forward. Also per section 15 USC 1681i ( a ) ( 6 ) ( b ) ( iii ) Im also requesting the procedure used to determine the accuracy and completeness of the information that is reporting. If you continue to report this debt you will be in complete violation of the law. I am also requesting that you provide me with written verification of the debt, as required by law, if you have not done so already. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint regarding an account reported by Jefferson Capital Systems ( account number XXXX ) on my credit report, which I request be removed immediately due to inaccurate and unverifiable information. The original creditor could not verify the details of this account, and I never had an agreement with Jefferson Capital. Furthermore, Jefferson Capital has a questionable reputation, with a history of legal disputes and complaints regarding their debt collection practices, as seen in various credit cases. Additionally, I have found that their licensure in the state of Texas has not been verified, raising further concerns about their legitimacy. The account is also reporting inconsistent information, such as an incorrect " date last active, '' which is crucial for determining the account 's status. This violates the Fair Credit Reporting Act ( FCRA ), and I am requesting the immediate removal of this account from my credit report due to these inaccuracies and the companys poor reputation in handling credit reporting. I am aware that I am entitled to up to {$1000.00} per FCRA violation, and should this matter not be resolved, I will pursue remedies in relation to Rule 55 of the Federal Rules of Civil Procedure and 28 USC 2201.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a loan for a vehicle that went to my ex wife. She chose not to pay the loan so I was in contact with XXXX XXXX XXXX XXXX that had the loan and gave them the location of the vehicle so they could repo the vehicle. I did n't want the vehicle and they said they would sell it and I could pay the difference off. I agreed and payed the vehicle off on XXXX XXXX XXXX. I went to buy a house XXXX of XXXX and noticed it did n't say paid in full. I asked them to please state this on my credit report. They did but put it as paid in full on XXXX of XXXX, not XXXX XXXX. Now I have to live with this on my credit report for another 7 years or maybe 10 years until it drops off my credit. They wo n't help with this. I would like to dispute this reporting so I can get my credit where it belongs.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX IS INCORRECTLY REPORTING THIS ACCOUNT TO TRANSUNION AND XXXX AS OPENED CHARGE OFF, WHEN IN FACT IS CLOSED PAID IN SETTLEMENT.
Product: Debt collection

I 've never received any notification of this debt. Collection agency is calling but has n't sent evidence this is owed or I was ever notified previously.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, AND EXPERIAN ARE REPORTING FRAUDULENT INFORMATION ON MY CREDIT REPORTS PLEASE INVESTIGATE ALL FRAUDULENT ITEMS
Product: Debt collection

I cancelled a phone line which was ported to a new provider. Former telephone company refused to close account for months. I receive 1st collection letter which I timely disputed. Collection continues to contact me with following written communication which states : " All I can do is explain the alternative to you. From there, you have to determine whether the potential cost in time or otherwise, is worhwhile. Let me reiterate-the choice is yours ''.
Product: Mortgage

I am in the process of a modification and want to express my gratitude for the opportunity without the unnecessary additional cost of litigation. Before the process, that was a long and drawn out experience to begin with, I sent all the necessary documents and was approved for a trial period. 

Before I agreed to do the trial period, I specifically asked whether or not a ballon payment would be included. It was explained to me that there was not going to be a balloon Payment as part of my modification. During many recorded calls, I explained I would not accept the Modification if it included a balloon payment as it is not financially possible for me to do so. Ocwen 's employees told me numerous times on the recorded conversations there was no balloon payment included in my modification offer. After timely making the trial period payments, I received the motivation documents which I was surprised to see included a required balloon payment of over {$34000.00}. 

This seems to me to be a violation of the Truth in Lending Act ; as well as, purposeful misrepresentation to obtain my trial payments with no real intent to offer a feasible modification. 
Originally, Ocwen told me in order to qualify for a modification, I must be behind on my mortgage payments and suggested I purposely miss payments. Since my house is underwater, I was unable to obtain a refi. After calling Ocwen to try and fix the issue, I was told I should just catch up and there would be no further issues. Because of Ocwen 's promises, I paid over {$5000.00} to Ocwen in order to get the modification. 

After my call of XXXX XXXX, 2015 to discuss the mistaken requirement of a balloon payment, Ocwen said they would review the tapes and see if I was told there would be no balloon payment but that the modification had to be accepted ( with the balloon payment ) no later than XXXX XXXX 2015. 

I do not believe Ocwen will have the time to properly review our previous telephone conversations before the modification offer expires. Therefore, please confirm in a responsive writing that Ocwen is in fact reviewing the recorded conversation and that the modification offer expiration date is continued until the investigation is properly concluded. 

Thank you for your assistance and I look forward to resolving this issue without involving my attorney.
Product: Money transfers

I was sent money through paypal which I have used in the past and and I was sent money XXXX XXXX to my account the money is appearing on my account but has not been added to the money so that I can withdraw the money. I contacted them and informed them of the situation first I was told that it was a system update that was being done and it would be done in 24 hours. I went today XXXX XXXX and the problem is still listed on my account again I contact Paypal explain the situation and the urgency about getting the money then I am told that there is a bug in the system and they are working on resloving the problem I asked if there was any way the money could be credited since the money was already in the account and I was told no. This is frustrating and may just cost me my job because I had to pay for somethings related to my job I have a child to feed and bills to pay who will take care of that.
Product: Checking or savings account

I was trying to login to my account with Bank of the West and noticed that for some reason it had changed from Bank of the West to BMO. I somehow managed to change the password and logged into my account. The funds showed lower than what I had spent. I called the bank and was informed that any disputes must be done in the branch as they were not able to help over the phone. I printed out XXXX transactions from my account that were not mine and went to the branch. The branch seemed confused as to how to help me and told me to call the XXXX number to file the claim as they were in transition and did not really know how to proceed. That is when I got frustrated and raised my voice and stated that I would not leave the branch until they filed the claims. Eventually they filed the claim for XXXX transactions that were not authorized by me and had no relation to me in any ways. I was advised that the process would take XXXX  days and left. Not hearing back from them after a while, I decided to login to my account but still was not able to, so I called the XXXX and was advised that they had locked the account. So they verified me and unlocked the account. I logged back into my account and saw that the balance was still low. So I called them back and was advised that only XXXX transaction from the same merchant was settled but not the other XXXX. When I asked them how it was possible to settle XXXX transaction from the same merchant and not the other, the XXXX had no idea and no information to give. The only info I was given was an email that they said they also used to get any answers, and the XXXX was really bewildered to know that XXXX claim from the same merchant was settled but not the other one. BMO chose the lowest claim amount to settle which did not make any sense as the other transaction was from the same merchant as well.
Product: Debt collection

They call several times a day. Saying there going to take my drivers license and garnish all my checks. 
Saying i owe over {$10000.00} for a very small accident. 

Starting calling XX/XX/2023. Call XXXX and 4 times a day. 

Always threatening to destroy credit and make it where we cant drive to work Want over {$6000.00} down and {$500.00} a month. 
Then offered {$5000.00} down and {$250.00} and month We countered with them to lower and then they say well call you back and then just call and ask for {$5000.00} again
Product: Credit card or prepaid card

On XX/XX/XXXX while in XXXX XXXX XXXX, we visited a small store and purchased two small jewelry items for our daughter. The total amount was about {$97.00} or {$98.00} USD. I handed my Bank of America Visa card to the clerk who then gave it to another person to run the card. Several minutes later, they informed me that they were having problems with running the card and handed it back. They requested cash which I gave them. 

Later that day, I received an alert on my account a this charge of {$450.00}. I tried to contact the international number, but the call could not be completed. Therefore, I went online and disputed this obviously fraudulent charge. Since I had no way of contacting this merchant, I have not been able to dispute this charge. We were staying in XXXX and not able to return to XXXX XXXX XXXX. 
I further contacted the B of A fraud department by telephone upon our return and described the incident. Clearly, this is a blatantly fraudulent transaction. We never received anything other than what was paid for by cash. Unfortunately, I do not have a receipt for this purchase. 
Having been a B of A client since XXXX, I think my word and sworn statement would take precedence over a fraudulent shopkeeper in XXXX. 
The claim has been denied by the bank. I have responded to them protesting their denial of my claim.
Product: Credit card

Someone from chase card called asking me to verify information.

I would not then trans feredme to someone saying they were with CFFB. WANTING MORE INFO AND ASK FOR NUMBER THAT CHASE GUY GAVE ME FIR A CLAIM NUMBER. XXXX. 
BOTHE THE CHASE GUY AND LADY HAD FORIEN ACSENTS. 
I did not apply fir a card From CHASE I already have XXXX. 
Thank you Regards XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX I opened a checking and savings acct with the total balance of {$29000.00}. Because I opened the account on a Saturday I was told that I would not be able to access the money until the following Tuesday. That Tuesday morning I withdrew from the atm {$500.00}. Later that evening when I went online to check the account I was not able to log in. I called the number and was told that Chase did not want to do business with me and my money would be returned to me in 7-10 business days. It has been almost one month and I am still waiting for them to mail a check. Everytime I call I get a different story as to why my check has not been mailed yet. The phrase they want to use is it will be mailed in 3-5 business days. I have been told that at least 4 times to no avail. If you are thinking about Chase for your bank I would recommend keeping your money as far away from this bank as possible. The customer service agents are unbelievably rude. And are in definite need of customer service training.
Product: Credit reporting or other personal consumer reports

I have sent Equifax multiple letters, disputing numerous inaccurate, and unauthorized inquiries and an unverifiable count on my credit report. I sent these letters via certified mail I will upload pictures of the receipts. I have made numerous attempts asking for some type of proof of these inaccurate accounts and unverifiable inquiries on my credit report and they give me the runaround I have met. I have sent my ID and Social Security number proof of address numerous times, multiple times and they continue to send me the same letter back, asking for the same information that I continue to send over and over and over again. 
The inaccurate account I am referring to is as follows : XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My credit score has dropped tremendously yet again due to this collection account which has changed ownership now twice. The original creditor is XXXX XXXX XXXX  on XX/XX/XXXX the collection was sold to XXXX XXXX XXXX in which that company violated my consumer rights and broken many FCRA laws and therefore the collection account was deleted by XXXX XXXX XXXX. The documents of that deletion is uploaded as well. Currently as of now once again my credit has gotten penalized by another debt collection agency named XXXX XXXX XXXX as of XX/XX/XXXX. XXXX XXXX XXXX was sold the same identical information from the previous debt collector. I have no contract or obligation to XXXX XXXX  for this account as already been settled. Now this previous debt is currently reporting on all three credit bureaus damaging my credability. I truly believe this is illegal and a frivolous business practice of penalizing me multiple times by the same collection. I'm requesting that XXXX delete this prevously deleted account frommy credit report and cease all communication and reporting.
Product: Debt or credit management

Hello my name is XXXX XXXX I did receive a check from this lawsuit and I was wondering i still had an open account with credit repair but when I got tthis in the mail I closed it I have had them for a long time but for the past to years they have been working on getting 1 negative account removed from my account for a 60 day late payment but when I see my credit report from that credit card it says it's in good standings so I think they have been taking money from me I was wondering is there anything I can do to get my money back? Or some of it. I was paying them XXXX a month and they didn't give me any details on what they were doing with my account
Product: Checking or savings account

I had a Checking and Savings account with Fifth Third Bank. On XX/XX/16 I had a balance of {$3900.00} in my checking and {$500.00} in my savings. On XX/XX/16 someone somehow had gotten control over my account they deposited fraudulent checks for {$1900.00} then withdrew everything out of the account my {$3900.00} included. This bank now tells me that I owe {$5700.00} from my checking and {$1400.00} from my savings. There was never any credit given to me for the money that was stolen. I've asked the bank several times in writing to show me proof!!. What hurts the most is that they are saying I owe what was taken from me. The told me oh the account is closed its charged off so we really don't care about it anymore we sold that account. {$4500.00} may not seem like a lot to this big bank but that was my kids trip to XXXX that summer!! Do not bank with Fifth Third they have absolutely NO Fraud or Identity Theft Protection!!!!!!!