23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt or credit management

On XX/XX/year>, I commenced a Title Loan contract with AUTO MONEY NORTH , LLC located in XXXX, SC. I missed a payment in XXXX whereas, the company, AUTO MONEY NORTH , LLC sent correspondence on XX/XX/year> stating, 'You are late in making your payment ( s ). If you pay the Past Due Amount of {$250.00}, by the Last Day for Payment, you may continue with the contract as though you were not late '. 
AUTO MONEY NORTH , LLC received a {$260.00} payment from me on XX/XX/year> ; unfortunately, on XX/XX/year>, I noticed the removal of my vehicle from my residency soon as I stepped outside to get ready for work. I reached out to AUTO MONEY NORTH , LLC via telephone on the day my vehicle was unlawfully repossessed to seek clarification. I asked the Representative to clarify reasons on the repossession of my property then, I am told, I was seventeen ( 17 ) days late with payment. 
This situation has me baffled due to the fact of the correspondence I received from AUTO MONEY NORTH , LLC on XX/XX/year>, stating, 'You may continue with the contract as thought you were not late '. 
In Accordance with South Carolina Codes, Sec. 37-5-111 and Uniform Commercial Codes ; by law, the consumer has twenty ( 20 ) days following notice of the right to cure a payment default. I have documentation that proves AUTO MONEY NORTH , LLC violated the agreed-upon terms and conditions of a binding contract, whereas, the adverse action that were exercised against me violated Consumer Rights.
Product: Mortgage

My Loan was transfer from XXXX, who filed Ch. XXXX to LoanCare. Prior to my transfer I had requested a cancellation of my escrow, which was confirmed by XXXX. Something did not transfer right, only the insurance portion was canceled. When I made my payment without the escrow amount I was charged a late fee. I quickly resolved the issue but have been fighting with LoanCare for 4 months to have the fee reversed and apply my payment correctly. After I was told in XXXX & XXXX that the fee was reversed on XX/XX/XXXX and the overpayment that was put to the principal curtailment would be adjusted if I paid X dollars in XXXX. After my XXXX payment I received a call that nope I was given misinformation and that now I have a short payment again. I have requested that they pull the phone recordings to prove that it was not my fault and that their customer service confirmed the information. In the meantime they are refusing to complete the cancelation of my escrow because I have a late payment.
Product: Mortgage

Apologies, but I filed complaint XXXX earlier today that lacked important information. Note also that I filed complaint XXXX last year about this same problem, which is that LoanDepot claims that they don't have a current hazard insurance policy, though I most certainly do and always have. See attached proof of insurance. 

The printed notice that I received from LoanDepot ( attached ) says that there's a website where I can submit my updated insurance information, but 1 ) it is slow as molasses, and 2 ) it doesn't work, ultimately. See attached screen shot. I tried multiple times and it failed every time. 

This is customer abuse. There is no reason why I shouldn't be able to send an email with proof of insurance, but they give a broken website and a fax number as my only options. Further, they should not require any proof, as they should be able to get this information from my insurance company.
Product: Credit reporting or other personal consumer reports

I am not liable for this debt with XXXX, I do not have a contract with XXXX, they did not provide me with the original contract as i requested. I request a copy of the contract with my signature. 
I have not supplied proof under the doctrine of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. In requesting documentation none was provided. Due to identity theft this should be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've spent 4 hours trying to freeze my credit with Trans union. There 's not a free way to do it with them anymore. The representative on the phone told me to call back and enter my credit card information into their automated system in order to manage my credit. I 'm so infuriated since freezing my credit with them is impossible since equifax poorly handled my most private information. I do n't know what to do about this.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

contacted this company to freeze consumer file, they say they can not due so If they are govern by the FRCA they are required to do so, spoke with them XX/XX/19 @ XXXX XXXX XXXX
Product: Mortgage

My issue is XXXX fold, but both complaints have to do with Ocwen Mortgage Co. In XXXX XXXX, I began trying to get a Loan Modification from Ocwen Mortgage. I am divorced and because of that and also some health issues, I could not pay my mortgage. I did everything required and sent it to Ocwen. They approved the mod. However, at the 11th hour, my ex-husband refused to sign the paperwork ( I was given the home pursuant to my divorce decree, but we had not actually redone a Deed ). At this point, the mod was based on my income figures alone. Ocwen denied the request at that time and sent the mortgage payment check back to me. We then did all the necessary paperwork ( recording a new deed, completing the Family Transfer paperwork and my ex and I both signed the release of liability form ). I resubmitted updated paperwork and was approved for the mod. to begin on XXXX XXXX, XXXX. However, I was to pay the back amount due since XXXX XXXX. I did n't understand then and still do n't understand now. I was never told to pay anything and there was no mod in effect so why do i have to pay the back due amount. They also stated the back due amount was due within a month. It was approx {$3000.00}. Funny thing, I do n't have that much money. At this point I got XXXX involved ( Note : I 've been a real estate agent for 20+ years and still did not understand most of this! ). XXXX was wonderful and began working to get this straightened out. Again, they sent, after I sent to them, all of the information requested ( including all the transfer info yet again ). We heard nothing back. On Monday XXXX/XXXX/XXXX, I received a notification from Ocwen they were beginning foreclosure proceedings. I spoke with XXXX and they are as confused as I. OK, now for the flip side. In XXXX XXXX, I received some ice dam damage at my home. I spoke with the insurance company and they gave me a check for {$21000.00}. Ocwen requires rather onorous steps to have them endorse the check. I did them all - getting paperwork filled out by a contractor, sending them all estimates, etc. I sent them all this in approx. XXXX XXXX. The insurance division will not even speak to me as my ex-husband 's name is the only one on the mortgage at this point (? ). In fact, when you delve into this, you will have to use his name, they do not show me on the mortgage at all. They will not issue MY insurance claim check. It has been a year and a half. As the ice dam melted, water come in between the walls. I know mold has been growing - I can smell it in one of the ( finished ) downstairs rooms. It is now going to cost me much more than $ XXXX to fix the escalating problem. But yet they still wo n't recognize me as the owner of the property since according to them, the mortgage is in arrears so they ca n't do a transfer ( But, when I applied I was not in arrears ).
Product: Consumer Loan

I have not heard anything from my dispute. Ally says that I did not contact them about my check being expired, but I contacted them twice at the number that is on the check. They said the time is over for payment of my check. I would like for ally to honor my check or give me a credit for the check on my next car payment. I have already explained what happened and why the check did not get cashed. I do n't understand how they can send some money back to cfpb, and NOT know where or whom they sent it to. They did not even give me the courtesy of responding to my dispute.
Product: Credit reporting or other personal consumer reports

Ive recently checked my credit report on all bureaus, XXXX, XXXX XXXX XXXX. I thought this first progressive situation was removed/resolved in XXXX, I explained to XXXX that that I dont recall ever having this card. But itwo years later its still on there. ( 1st progressive bank is the name of the credit card company. In the attachments below are 3 different screenshots of it showing under each credit bureau. )
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I, XXXX XXXX am writing in regards to the adverse account listed by XXXX XXXX XXXX. I returned the vehicle back to the finance company after experiencing issues with the XXXX XXXX  while commuting to work, which includes highway and long distance driving. I reported this to the dealer as why I was returning the vehicle and they advised the car would be resold. I do not feel I should repay any portions of the loan as to me keeping and maintained on time payments as the company reported themselves. I had no intentions of returning the vehicle until it became unsafe. I have attached the recall information reported from XXXX in regards to the same reported issue I explained to XXXX XXXX when I advised them to come and pickup the vehicle. When I returned the vehicle the check engine light was on and I advised them that the car should be inspected prior to being resold. I would like an investigation completed because I do not believe its fair to be held liable for a recall, which is out of my control. It seems like XXXX XXXX  wanted me to keep and continue to pay for a vehicle I advised them was unsafe just for their financial gain. I would like this item removed from my credit report for these reasons. 


Vehicle Information : XXXX  XXXX XXXX VIN : XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute unauthorized and fraudulent information appearing on my credit report and to request an immediate investigation under the Fair Credit Reporting Act ( FCRA ). As a victim of identity theft and the XXXX XXXX breach, my personal information has been compromised, including XXXX critical findings tied to my identity within the breach. This account and/or inquiries were made without my knowledge or consent. Under the FCRA ( 605B ), I request these items be blocked from my credit report. Additionally, under 15 U.S. Code 1681c-1 ( protection of personally identifiable information ) and 15 U.S. Code 1681e ( b ) ( accuracy of information in consumer reports ), you are required to ensure the accuracy and privacy of the information you maintain. 
Details of the Breach : The XXXX Data breach exposed the following elements of my personal information : Full name Social Security Number Date of birth Address history Employment information Financial account numbers XXXX XXXX XXXX XXXX
Product: Credit card

Back in XX/XX/year> I received a charge on our LL Bean Mastercard for {$230.00}. This was a surprise because our annual subscription was canceled back in XX/XX/year>. A dispute was opened in XXXX. The card company ruled in favor of XXXX who stated the charge was legit. The card company stated we needed to provide the cancelation date. XXXX was called on XX/XX/XXXX. They agreed that we canceled, but wouldn't provide a date and completely shutdown our account. Therefore we couldn't login online to provide a cancelation date. Again card company ruled against us. Their letter has been downloaded. Without cooperation from XXXX  and account access we can not provide the date service ended. Neither company is being helpful in resolving the charge. XXXX XXXX will not protect us from a charge and accepted a general statement that XXXX can charge us. In my opinion this is not proof of a legitimate charge. Also, XXXX canceled our account and has stopped sending us our quarterly packages, so a full annual subscription charge is incorrect. XXXX XXXX is trying to dodge their responsibility to protect cardholders. The attached letter states the cardholder has been ruled against because XXXX XXXX has no recourse to returns charges. This is completely false. Thank you.
Product: Debt collection

In XXXX, I reached out to XXXX cruise lines about a disputed debt where products were returned but the amount was not refunded to my credit card. I put the amount in dispute with my credit card company, who found in favor of me when the cruise line did not respond during the investigation period. 

Subsequently, in XXXX, a debt collection agency attempted to collect on the debt. I reached out to them multiple times with no resolution. At the time, I then filed a complaint with the CFPB. The entire situation went radio silent. 

Now, in XXXX, a debt collector by the name of CAINE & WEINER COMPANY has posted a derogatory comment to my credit report for the amount of {$1200.00}. I have never been contacted by them nor the debt been validated. 

I reside within the state of NY, where the statute of limitations is 7 years and this so-called debt would no longer be in statute for collections. By posting to my credit report, they have violated the FCRA and their tactics over the years have violated FDCPA and UDAAP requirements.
Product: Checking or savings account

Bank of America withheld my cashiers check and did not make it available as required by regulations.
Product: Credit reporting or other personal consumer reports

Around XXXX of this year, I checked my credit report for the first time in years. After reviewing my credit, I noticed addresses where I never lived and accounts reporting that I didn't recognize and did not open. After this I learned in 2017 my personal information was a part of the XXXX Data Breach and has been used to open credit card accounts and loans. Several credit card accounts were opened ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX, and XXXX XXXXXXXX XXXX. There was also an auto loan from XXXX XXXXXXXX XXXX listed on my report that I did not open. Multiple collection agencies were also on my credit report that I have never done any business with ; XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  and XXXX XXXX XXXX. I have reached out to the three major credit bureaus ( XXXX, XXXX, Transunion ) on multiple occasions but have not had any success in removing these fraudulent accounts. The bureaus continue to respond to my dispute of these accounts as verified providing no proof on who opened these accounts. I filed an identity theft report with the FTC which I will attach to this complaint along with the letters that were sent to the bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I finally looked into my credit and saw a collections from XXXX XXXX XXXX. Which is fraudulent and erroneous because I've never contracted with that company Remove/Delete Pursuant to the FCRA & the FDCPA I now exercise my lawful right to question the validity of this debt your agency claims has come due. 
Fair Credit Reporting Act 5 609 Disclosures to consumers : ( c ) ( 2 ) ( E consumer reporting agency is not required to remove accurate derogatory information from a consumers file, unless the information is outdated under section 605 or can not be verified. 
Fair Credit t Reporting Acts 611 ( a ) 1 ( A ) Procedure in case of disputed accuracy : Reinvestigation of Disputed Information ( ) Reinvestigation Required n general Subject to subsection ( f ), f the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is dispute by e consumer and the consumer notifies the agency directly. or indirectly through a reseller, of such dispute the agency shall, free of charge. conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information. or delete the item from the File in ( 5 ), before the end of the 30-day Period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Fair Debt Collection Practices Act section 8o ). Validation of debts : [ b ) If the consumer notifies the debt co writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of
Product: Money transfer, virtual currency, or money service

I am filing a XXXXXXXX XXXX XXXX ( o ash App ( Block, Inc. ) XXXXXXXX XXXX XXXX XXXXXXXX customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
XXXX urthermore XXXX dispute resolub:XXXX  XXXX XXXX ) XXXX was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations
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 XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Experian 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 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: Payday loan, title loan, or personal loan

On XX/XX/XXXX, I went online to pay my bill and saw that they were offering a Deferment Program for people who had been affected by the pandemic and were having problems paying their bills. I called their office and was told that I could defer two months, but that they would be adding seven months of payments onto the end of my last payment. Seeing as I had no choice, I agreed. I had no money and was no longer working because of the NC Governor 's Stay-At-Home Order because of Covid-19. I questioned the seven months, but was told this was what they were offering. Seven months for two months of deferred payments. 

On XX/XX/XXXX, I went online to see if another deferral was offered since I was still not working and had received no unemployment pay. They were offering another two months. I did not call the office this time, because I could do everything online. When I finished my application online, I submitted it. I was not told that there would be any additional months added to the end of my loan, and I was very relieved. 

I began working a gig job in late XXXX, so in XXXX I was able to resume payments. I went online to check my status and was surprised to see that they had added an additional three months without my knowledge or approval. Instead of a 36-month loan, I was not at 46 months for four months of deferral during a pandemic. I called the office to question them about this, but they again said that this was the deal even though I knew nothing about it. I continued to make payments from XXXX thru XXXX thinking that I was making a dent in my balance. 

In XX/XX/XXXX, I went online to see my current payment history and was shocked to see that only four of my ten total payments was documented online. I began calling their office to ask if I could get an email copy of my payments, but four times that I called, I was put on long Holds, then disconnected. I finally asked to speak to a manager, but was emailed a copy by an agent before she transferred me. I then noticed that five of the payments that I made in XXXX, {$400.00} each month, all went to interest. No money was applied to my principal. I understood now why agents were putting me on long Holds and then disconnecting. They probably found it difficult to try to explain five months of interest, over {$2000.00}, having been applied to my account. Once again, I knew nothing about this. If you have already added ten months to the end of my loan, why would {$2000.00} be applied to the loan at this time? 

What this company is doing has to be unethical and that is why I am writing submitting this complaint. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I GOT A LOAN FROM XXXX XXXX AND THEY PULLED MY CREDIT TWICE AND THEY OUT-OUT FROM PROMO INQUIRIES, THERE 6-7 ON EXPERIAN AND 4-9 ON XXXX.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I was on XXXX when I saw tickets for a concert for sale. I contacted the seller via text message as the number was listed and thats how communication was requested via seller. I used the Zelle App via my XXXX account and transferred XXXX $ to the seller for the tickets. They then stopped communication. I trying to get in contact with them from a different number they stated that the tickets were still for sale even thought i technically bought them and would never receive them. I contacted XXXX and was told that I may not receive the XXXX $ I paid for this scam back.
Product: Money transfer, virtual currency, or money service

I made a deposit on coinbase, Like I have many times before. No where in the process of depositing the money did it say it wouldn't be immediately accessible like all other prior deposits made on the site. They refuse to help me get my money returned or unlocked.
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't recognize these inquiries XXXX XXXX XX/XX/XXXX no action XXXX XXXX XX/XX/XXXX no action XXXX XXXX XX/XX/XXXX no acton XXXX XX/XX/XXXX Credit Plus XX/XX/XXXXCredit Plus XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

TransUnion shows a duplicate inquiry by XXXX XXXX that occurred on XX/XX/2023. TransUnion counts this inquiry 2 times for the same financial institution on the same date