23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX XXXX XXXXXXXX LOCATED XXXX XXXX XXXX XXXX, NJ XXXX CHARGED THE CONSUMER A DOWNPAYMENT IN CASH ( {$5000.00} ) AS WELL AS FINANCE CHARGE IN RELATION TO AN AUTO LOAN THE CONSUMER CREDIT CONTRACT IS REGULATED BY TILA VIOLATIONS- 15 USC 1638 ( a ) ( 2 ) ( a ) MISREPRESENTING THE AMOUNT FINANCED-IF THE BANK REQUIRED A DOWN PAYMENT IT SHOULD HAVE BEEN IN THE FINANCE CHARGE I CALLED THE BANK, AMERCAN HONDA FINANCIAL CORPORATION DBA HONDA FINANCIAL SERVCES AND ASKED IF THE BANK REQUIRED A DOWNPAYMENT THE ANSWER WAS NO HOWEVER XXXX XXXX XXXX STATED IT WAS REQUIRED SO IT WAS PAID 15 USC 1605 -FINANCE CHARGE DEFINITION 12 CFR 1026.4 ALSO STATES INSURANCE SHOULD BE INCLUDED b ( 8 ) IT WAS NOT INCLUDED. 15 USC 1662 ADVERTISING OF DOWNPAYMENTS AND INSTALLMENTS 12 CFR 1026.24 ( D ) FALSE AND MISLEADING STATEMENTS AND ADVERTISING WERE MADE TO THE CONSUMER USING TRIGGERING TERMS. AN INSTRUMENT FINANCED DEFINED IN 16 CFR 433.1 ( i ) THE CONSUMER IN THE CONSUMER CREDIT CONTRACT THE DEBTOR UNDER TILA.
Product: Credit reporting or other personal consumer reports

I am writing to request the immediate blocking and deletion of specific fraudulent accounts from my credit report under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), as I have recently fallen victim to a data breach and identity theft. The following accounts were fraudulently opened or reported under my name, and I ask that they be removed from my credit file. 
Fraudulent Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I have let Kohls know of my charge was incorrect they were supposed to close mine and send a new one they never did. They also put it in dispute back and forth and tried to put on all these late charges and never took care of the dispute 2 of the disputes one for XXXX and XXXX were never taken off and while on dispute they charged me a higher late fee of XXXX. They have me still owing XXXX which is not correct.I have contacted XXXX XXXX which in return she sent it to a XXXX who called and was very rude almost threatening me. Please look into this as they have not helped me.
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/year>, I fell victim to two multi-layered scam operations run by " XXXX XXXX, '' " XXXX XXXX, '' " XXXX XXXX, '' and purportedly affiliated with " XXXXXXXX XXXX '' which involved me making deposits for a total amount of {$45000.00} USD from my XXXX XXXX XXXX XXXX XXXX account to TD Bank at the instructions of the scammers. 
In providing its services, financial institutions as registered and licensed Payment Service Providers, are required by law to exercise the care and skill of a diligent, prudent banker.
Product: Credit reporting or other personal consumer reports

The following companies made unlawful requests on my credit report, and I am writing to let you know about them. Below are the company names along with the dates that I received the inquiries. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX accounts are fraudulent from Equifax breach. Please make them. Remove XXXX from my credit. They have failed to provide good these purchases are mine since they were notified nearly 7 years ago of identity theft and fraud. Thus continues to negatively effect my credit which is illegal. Please ensure these credit reports from XXXX and Equifax remove this negative information immediately. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 XXXX XXXX sent me a letter stateing a report was sent out to trans union, to update the accounts XXXX XXXX-account ending in XXXX which was under a 1099-c with account ending in XXXX and XXXX XXXX-account ending # XXXX under a 1099-c under account ending in XXXX, trans union refused to remove the whole accounts, after the creditor sent me a letter stating to remove the whole account, a dispute by me to trans union, XXXX XXXX  letter, two 1099-c forms and trans union credit reports of XX/XX/2022.
Product: Debt collection

3 year lease expired. I contacted XXXX/Chase Credit to see how to go about concluding the lease, turning the vehicle in. They said car needs to be appraised. My dealer, XXXX at XXXX XXXX XXXX XXXX said to have the car inspected on my own so I know what needs to be done to the car if anything and I may be able to save some money by having things done myself rather than turning in the car blindly. I did have it inspected, a report was provided. The net result was replacing 3 tires on the car, which I did, new ones from XXXX. I faxed the receipt for the tires to Chase credit. I paid the {$300.00} or so fee to retire the lease, as well. I concluded my part of this process in total. I continue to get calls from Chase in this regard, every week, several times a week and have the same discussion with them. It is as though their left hand doesn't know what the right hand is doing. I told them I will not spend/waste any more time talking about this issue and I would be filing a complaint against them in this regard. A simple call to XXXX at the dealership would verify the tires were replaced. My XXXX fax out to them was a success per the app so I know they received it. Please stop the hassle as my next approach will be to sue them. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Credit Reporting act XXXX 's XXXX Account # XXXX, has 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 a account without my written instructions.

15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason
Product: Debt collection

The debt collector was very rude kept speaking over me, when I asked for a settlement they tried to charge me XXXX percent more than I owe them. When i tried to speak to the collector they hung up on me. Im trying to settle this debt but I want to make sure Im not getting scammed. Also they have not sent a letter confirming my debt owed.
Product: Checking or savings account

On XX/XX/XXXX, plus or minus a day or two, my checking account was compromised. A representative from Wells Fargo notified me and I immediately changed my account. A week later my debit card was compromised and again, that card was canceled and a new card issued. But here is where the problems begin. The new debit card was mailed to a different address than where I live. I gave no permission to this nor did I give a pin number to said person as Wells Fargo claims center continually keeps telling me I did. So after seven days, I went to bank and told them I had not yet received my new card. When teller looked up to trace she told me it was sent to an address in Texas. The teller also informed me that XXXX $ had been transferred from my savings to my checking/debit account and many transactions had been made. ( a total of XXXX $ ) We immediately canceled this card and again a new card was issued and scheduled to be delivered. When I received a letter from Wells Fargo about my new card that was scheduled to arrive, my address was correct. So I looked back on a the previous letter sent to me about the compromised card, there was no address listed. I have filed three complaints for Wells Fargo to investigate. The only response they keep giving me is that it is my fault. Please look further into this as I DO NOT : 1 ) give permission to mail my new debit to someone in Texas 2 ) know anyone in Texas claim # : XXXX
Product: Checking or savings account

On XX/XX/XXXX, someone was able to gain access to our checking account, create an XXXX XXXX card, and make an online purchase {$10000.00} from the XXXX XXXX at the XXXX XXXX XXXX Store in XXXX XXXX XXXX. They were able to do this by requesting a temporary daily purchase limit to {$11000.00} once they gained access to our account. 

On XX/XX/XXXX, I noticed the purchase on our account when doing my weekly check of the checking account. I made a claim on the day to recover our money. We told them that my wife received two strange phone calls on her cell phone on Saturday, XX/XX/XXXX at XXXX and XXXX XXXX. She called the numbers back and at the time, we thought she may have provided her social security number to an automated system that the scammer created. Bank of America provided a claim number ( XXXX ) and stated that it would take two weeks to do the research and provide a resolution. 

On XX/XX/XXXX, we received a letter stating that our claim was denied because it wasn't fraud because my wife provided her social security number to the perpetrator of the scam. I asked for an appeal because since then we gained more clarity of the situation with the phone calls. I faxed and mailed a letter with this discover which will be attached to this CFPB complaint. I will summarize the contents of the letter below : 1. As I stated, my wife received two phone calls at XXXX in the XXXX on XX/XX/XXXX. The first number was ( XXXX ) XXXX. This number is the main toll-free number from Bank of America. However, Bank of America stated that they would never call a client at that time of the morning. So, it is our assumption that this number was " spoofed '' by the perpetrator. The next call, which was a minute later, was from a XXXX area code. None of these calls were answered. 

2. At XXXX and XXXX, my wife called these numbers back. She called the XXXX area code phone number first. It was was a bad number, so there was no answer. Then, she called the ( XXXX ) XXXX, which is the Bank of America main toll-free number. The automated system that she provided information to was Bank of America 's. The phone records and cell phone log are appended to the letter which is attached to this complaint. 

In conclusion, we were denied because it was believed that my wife provided her information to the third party. However, we believe that this is the wrong conclusion because the information she provided was the Bank of America automated system at XXXX on XX/XX/XXXX. I am asking that the denial be reversed and our money be reimbursed due to the fraud on our account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon being denied from a lender for " multiple inquiries '' from Equifax report, I decide to check my reports from all credit bureaus for accuracy. I have realized that there were a few credit inquiries on my Equifax that I DID NOT authorize and had no knowledge of. I contacted Equifax and had no relief. Please see that the following inquiries that were not authorized by me with the date of when the report was improperly requested and received. Per my investigation none of these companies received any identification or authorization from ME to pull my credit for any reason.      1.   XXXX   XXXX   XX/XX/XXXX   2.    XXXX   XXXX   XXXX    XX/XX/XXXX  3.  XXXX   XXXX   XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX   4.    XXXX    XX/XX/XXXX   5.  XXXX   XXXX   XX/XX/XXXX
Product: Student loan

I have tried multiple times to get my monthly amount reduced. I ca n't afford the monthly payments that Navient is asking. I have called several times a year but nothing changes.
Product: Credit card

I have been trying to resolve problems with Citibank andtheir XXXX credit cards. The matter has been going onsometime. I need to resolve these problems but thebank has not been helpful, other than sending formattedlong letters. I hope they come up with a solution.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 (a)(1)(A), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.I demand to see Verifiable Proof (an original Consumer Contract with my Signature on it) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX XXXX,XXXX/XXXX  XXXX,XXXX  XXXX  (Original Creditor: XXXX) 3XXXX,XXXX XXXX XXXX andXXXX XXXX XXXX
Product: Checking or savings account

Navy Federal Credit Union ( NFCU ) has been very unresponsive about my identity being stolen from one of their members and stealing my {$1500.00} of rent money. I found this out only by my landlord informing me that my rent was reversed by the bank on XX/XX/21, now I am being evicted. I notified the NFCU of this unauthorized dispute called in by the thief. The credit union failed to launch an initial investigation into the so-called dispute made by the criminal which worked out in his favor. He is a known thief according to XXXX. The representative claims the number on file came back undeliverable, but my email and mail address remained the same. The credit union never notified me by any other means that were at their fingertips, like address and email. The member went into my account after making the dispute and knowing it would trigger an automatic reversal somehow without any further questions. My rent money was put back in my account without my knowledge, and the thief immediately transferred the stolen funds in his NCFU account. The rep couldn't explain how a member was allowed to dispute a charge on my account without any initial investigation. NFCU have weak security measures that harm the members that are being served. She never stated what information is collected from a member to make any changes on an account. I still have not heard from security operation department as promised. The fraud doc was uploaded to my account while speaking to the rep on XXXX. I have filed a police report with RPD & FTC. As a victim of stolen identify, I feel like I am being penalized for a criminals activity. I am working my way up through the chain of command to get my money back to pay my rent ASAP. All the information of the wire/bank fraud has been established, but I am still getting excuses and no urgency to right this wrong. I want the money that was taken out my account fraudulently, sent back to the landlord with the same ease as the thief ability was to steal it.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$200.00XXXX XXXX XXXX XXXXXXXX Balance Owed : {$140.00} XXXX XXXX XXXXXXXX alance Owed : {$200.00} XXXX XXXXXXXX XXXX I XXXX
Product: Credit reporting or other personal consumer reports

Chex System has failed to help me. Won't help me via phone, mail or fax. They won't provide me a pin, they won't remove a security freeze, they won't allow me online access, they won't help me on the phone, they put me on hold for 20 minutes and keep disconnecting me, they will not help me by fax, they will not help me by mail, they will not let me access my account in any way shape or form and I have had numerous problems including getting a loan because of this problem. I have been given nothing but the runaround and spent hours on the phone with them today and still no assistance. I want the security freeze removed off my account and I want a new PIN emailed to me and my email address updated immediately. They will not do any of these things and I am tired of this game my next steps will be to contact a lawyer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to dispute accounts with XXXX, with these accounts. 

XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and I have not been successful in deleting it. XXXX not compliant with FCRA 605b.
Product: Credit reporting or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NC XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$5500.00} XXXX XXXX XXXXXXXX Balance Owed : {$650.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX Balance Owed : {$5500.00} XXXX XXXX XXXX Balance Owed : {$650.00} XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX Balance Owed : {$5500.00} XXXX XXXX XXXXXXXX Balance Owed : {$650.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

AS XX/XX/2023 THE CREDIT BUREAS HAS RESPONDED TO MY DISPUTE AND THEY DID HONOR MY REQUEST TO REMOVE FRAUD ACCOUNT OFF MY CREDIT REPORT FROM 3 CREDIT BUREAS.as of account XXXX XXXX apple XXXX XXXX  the 3 credit bureas removed this fraud account, and then between XX/XX/2023 -- -- XX/XX/2023 this negative fraud accounts was back on my credit reports damaging my credit again and holding me back from progressing my living situation as XXXX not mobile and not able to get better paying jobs due to bad credit and a car and home as well. 

15 U.S. CODE 1681C-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft NOT LATER 4 BUSINESS DAYS AFTER DATE OF RECEIPT. 

it has been 30 days and you are in VIOLATION of the law becuase iam a victim of identity theft!! please delete items as soon as possible!

thesen accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
under,15 U.S CODE 1681b - Permissable purposes of consumer reports ( a ) IN GENERAL subject to subjection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other. ( 2 ) in accordance with the WRITTEN INSTRUCTIONS of the consumer to whom it relates.I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my right as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. as a consumer iam demanding the deletion of the accounts listed i IMMEDIATELY
Product: Vehicle loan or lease

My co-signer and myself went to purchase a vehicle with XXXX XXXX  XXXX XXXX XXXX a little over XXXX year ago. The vehicle was not cleaned before taking it for a test drive, and before we signed our names on the contract I specifically asked if GAP COVERAGE was included, and I was told yes. I also asked if we had an option of the pay frequency, we were told that it could be worked out with XXXX. A XXXX months ago we were struck by a drunk driver totaling the vehicle, after my insurance company paid the settlement they offered. We were told through the lien holder ( XXXX XXXX ) that gap coverage was never added to our contract. To make it worse, I never received a title ( I had to purchase and expedited a copy ), and we were pressured into adding a positive review on XXXX before they let us leave and drive off of the lot with the car! Now that I am trying to discuss and work out something with XXXX XXXX, I keep getting transferred, disconnected, or no one can provide straight-forward answers to my questions unless it's in regards to how I intend to pay.
Product: Mortgage

I received my home in a divorce in XX/XX/XXXX. I immediately notified the OCWEN mortgage company providing them a copy of my divorce decree. I also requested information on my mortgage even though my ex-husband was responsible for the mortgage. My name was not on the mortgage so they refused me any information. 

In XXXX, they filed suit against me and my ex-husband for foreclosure. They later dismissed the case without prejudice because they realized that my name was not on the loan. I contacted them again for information and was again refused stating I was not the account holder. 

In XXXX and XXXX, I filed for bankruptcy to save my home and obtain information to pay the mortgage. I requested a modification and was denied stating I needed written authorization from the account holder. 

After filing a complaint with the District of Columbia 's Department of Insurance , Securities and Banking, the PHH Consumer Account Analyst in the Office of the Consumer Ombudsman sent a letter dated XX/XX/XXXX stating, " Our records indicate that we have not received authorization from the accountholder to provide account specific information to Ms XXXX. Therefore, to protect the accountholder 's privacy, we are unable to release any information regarding the account. '' On XX/XX/XXXX, the Bankruptcy Court concluded that the best interest of creditors and the debtor is to dismiss the case so that the debtor may pursue remedies outside of bankruptcy and negotiations with her mortgagee. 

I made several Qualified Written Requests to OCWEN and XXXX/PHH mortgage companies from XXXX to XXXX. On XX/XX/XXXX, I finally received a letter from PHH stating I was confirmed as the Successor-in-Interest. Finally, I was able to finally receive a mortgage statement in XX/XX/XXXX after my initial request in XXXX. 

As a result of their failure to comply with CFPB Reg 12 CFR 1024.38 ( b ) ( 1 ) ( vi ), my mortgage is over $ 200K behind with penalties and legal fees. I have a foreclosure judgment. And the amount due to Reinstate in {$200000.00}. 

According to the CFPB Bulletin 2013-12 ( October 15, 2013 ), Servicers must let successors in the interest know what reasonable documents they need to provide for communication and assumption. They must also let successors in interest know what options are available. Lastly, services must develop policies for suspending foreclosure and processing assumption and loan modifications simultaneously. 

OCWEN and XXXX/PHH, both, failed to comply with the regulations for 7 years causing harm to the successor in interest and violating their rights.