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

Hello, Yes, I took out a loan with HSBC back in 2005, which I have not paid back in full, but have since found that fraud occurred with HSBC charging me a higher interest rate than was allowed, due to the rigging and of Libor interest rate. 

The loan was through XXXX XXXX in XXXX, Ohio. 

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

In accordance with the Fair Credit Reporting act 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
Product: Money transfer, virtual currency, or money service

BlockChain.com has what they call " XXXX '' accounts ; essentially the platform can then use customer 's XXXX to make money themselves. In turn, customers get interest on their crypto from the platform. 
Their promise is that at all times, you can swap money out of those " XXXX '' accounts. Only that is not true. It's been a small week (!! ) that they effectively hijacked my money. 

Countless Emails were sent - I also reached out to their online chat - all to no avail. 
My bet is they have been gambling way too heavily with their customer 's money without sufficient fractional reserve. Then they can't give me my money back. At least not on the short term. But that is ( I believe ) illegal. 
I got a mail from them stating by when I would have my crypto back in my account but they failed to deliver on that promise.
Product: Credit card

I am filing a complaint against Apple Credit Card regarding deceptive practices and failure to properly credit interest earnings on my account. Apple Credit Card misrepresented the interest-earning potential of the account and failed to ensure that my balance accrued the expected interest over time. Despite contacting customer service on multiple occasionsbeginning on [ specific date ] to address this issue, I received no resolution or adequate explanation for the discrepancy.

This lack of transparency and failure to fulfill their advertised promises has resulted in financial losses and a violation of consumer trust. I provided all necessary documentation, including account statements and transaction histories, yet Apple Credit Card did not take corrective action within a reasonable timeframe. 

I seek redress for the unaccrued interest, along with an additional 10 % interest fee as compensation for the inconvenience and financial harm caused by their negligence. This failure to uphold their obligations breaches both the Consumer Financial Protection Act and the principles of fair banking practices.
Product: Debt collection

This account has appeared on my credit report file before and has since disappeared. I called to pay off my medical debt ( $ 255-ish ) with Rash Curtis & Associates to find out that a XXXX XXXX Apartment account still in collections. I have used CFPB before to settle my many credit card debt that I have had due to Identity Theft. This XXXX XXXX Apartment collections account appeared during the time the credit cards were opened, unbeknownst to me therefore without my authorization. I have been living with my parents and have never moved out nor stayed at XXXX XXXX Apartments. My previous partner many years ago stole my social security information and has opened up said credit card accounts under my name and took the liberty added himself as a secondary on all accounts. I never authorized any cards nor did I authorize for him to have this information - let alone rent out an apartment without my consent! I have never missed a car payment on my first car loan, nor my second ( current ) auto loan, credit card payment, nor rent - I have a positive payment history. I have also asked all the company that have forgiven my Identity Theft debts to press criminal charges if possible to my previous partner. If you notice on my account my ex partner also attempted to either open a credit card or a loan and added an address in Nevada to my credit file, he currently lives in Nevada. I have NEVER left California and let alone have an address in Nevada!
Product: Credit reporting or other personal consumer reports

Have had to consistently dispute with Equifax over the last 7 years for continuing to report names that are not associated with me on my credit file. Equifax fixes the issue and then reports the incorrect information again repeatedly. I have disputed with Equifax for incorrect information atleast 3 times in the last 3 months and they fail to provide a report that is consistently accurate. I previously disputed personal information on my report and Equifax added formerly known as names after I had already provided identification and ssn to fix the error multiple times. Equifax continuously displays the incorrect name on my credit file. Originally they had the spelling of my name incorrect. I was required to send a copy of my ID and SSN via mail. It was showing correctly the last two disputes and on Equifax website. My name only appeared and there were no other formerly known as names listed. After a recent dispute in early XXXX of this year, Equifax updated my name again and added formerly known as names to my credit file that I have never been formerly known by. I called Equifax to fix this error again and they advised me they can not fix it if I do not send in another copy of my ID and SSN. Asked if I could fax it as I have been a victim of fraud and I am not comfortable sending those types of documents via mail and they declined and stated I had to send it by mail. This out outrageous. I have a active fraud alert and a freeze on my profile and they are still willingly listing incorrect personal information on report with no proof of investigating the creditors claim. Equifax needs to be held accountable for the information they report. They need to check their previous record of me providing identification for them to fix my personal information initially. I should not have to keep proving information is wrong when they are failing to accurately investigate the information they report. This is a direct violation of my rights.
Product: Credit reporting or other personal consumer reports

I recently submitted a report via email to dispute inaccurate information from the credit bureau regarding my credit card statement. Despite my request for further investigation, the company has failed to take action. I kindly request your immediate attention to resolve this issue. Additionally, I would appreciate a confirmation receipt for my records.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I've provided police reports and FTC reports to support. I have debt and accounts attributed to my credit profile that I do not recognize and I never authorized. The creditors and debt collectors have been contacted and refuse to fully validate debt as authentic beyond a reasonable doubt and pressure for payments despite the debt being the result of identity theft.
Product: Credit reporting or other personal consumer reports

I need access to my credit report from XXXX, transunion and XXXX. I have been unable to access my credit report. 

It is my right to access my consumer report under the Privacy Act of 1974.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a consumer report from Chexsystems which states an account from XX/XX/XXXX is reporting on my consumer report. This account remains on my report and has been stated by XXXX XXXX, assistant vice president of XXXX XXXX  stated on XX/XX/XXXX verbally that this account with this account number is not a valid number or valid account with XXXX XXXX  and has never been an open or valid account. This account number XXXX therefore is incorrect and should not be on my consumer report considering the bank reporting the account confirms it is not a valid account and is not from them.
Product: Student loan

Not given any reasonable options when unable to make payments, including lowering payments, or extending deadlines.
Product: Mortgage

Hello. I was paying 1st mortgage because Wells Fargo advised me to do so. But second mortgage I couldnt make. I was bated into believing all the letters they sent me. Pay firsts and house will be ok. But after 5 month. Wells Fargo sold my home that I have owned since XXXX to a private investor. I was forced to vacate my home. Wells Fargo lied to me. I have documents stating home will be ok. But obviously it was not. Thank u for ur time. Plz help.
Product: Mortgage

I am requesting all documentation from PHH MORTGAGE XXXX XXXX XXXX XXXX XXXX, NJ XXXX Phone ( XXXX ) XXXX FOR PROPERTY LOCATED AT : XXXX XXXX XXXX XXXX XXXX XXXX GEORGIA XXXX I RECENTLY REQUESTED DOCUMENTS VIA OPTION ONE DBA OCWEN DBA PHH AND RECEIVED AN IMMEDIATE RESPONSE FROM LEGAL COUNSEL XXXX XXXX . GIVEN I DID NOT SEND A DIRECT REQUEST TO PHH IT GOOD TO KNOW OUR CASE CONTAINS SEVERE DAMAGES. THIS REQUEST IS TO MAINTAIN CONSISTENCY IN MY REQUESTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

show i owe XXXX XXXX XXXX when i owe them nothing balance paid i full. moved to XXXX in XXXX XXXX dont owe any bills in XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This are all inquires that I did not do myself or approve to be done. This is a part of aggravated identity theft.
Product: Credit reporting or other personal consumer reports

Under the complaint including the 15 U.S.C 1681G Law violation, I have reviewed my credit report and somehow a third party get my information without provided any document who they are and how they get my information, I would like this to be remover off my report, The company : Vance & Huffman they company they are spooned XXXX XXXX XXXX, Get phone call and email try to threat me but could not provide who there are and how long the receiver my information in there office.
Product: Credit reporting or other personal consumer reports

I find it unacceptable that there are public records on my credit report. This is causing me a lot of XXXX and distress, and I am pleading with you to remove them immediately.
Product: Debt collection

I am submitting this complaint regarding a fraudulent debt reported by Transworld Systems under account number XXXX. I was never notified about this debt via mail, nor was I given the opportunity to dispute it, which violates my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Details of the Violation : 1. Failure to Provide Notice ( FDCPA Violation ) : Under 15 U.S.C. 1692g ( a ) of the FDCPA, I am entitled to receive written notification of any alleged debt, including information about my right to dispute the debt within 30 days. I did not receive any such notice from Transworld Systems. As a result, I was unable to exercise my right to dispute the debt, which is a violation of my rights under the FDCPA.

2. Fraudulent Debt Reporting ( FCRA Violation ) : This debt is fraudulent. Under 15 U.S.C. 1681c-2 ( a ) ( FCRA Section 605B ), no information related to identity theft or fraudulent activity may be reported on my credit report without my consent. I did not authorize this debt to be reported. The fact that it appeared on my credit report without proper validation or authorization is a violation of my consumer rights under the FCRA. 
3. Failure to Cease Communication ( FDCPA Violation ) : Upon discovering this fraudulent debt, I formally requested that Transworld Systems cease all communication with me regarding this debt, as allowed under 15 U.S.C. 1692c ( c ) of the FDCPA. Despite my request, I continued to receive communication from them, which constitutes harassment and a further violation of the FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balanced Owed : {$0.00} ; XXXX XXXXXXXX Balanced Owed : {$0.00} ; XXXX XXXX Balanced Owed : {$260.00} ; XXXX XXXX XXXX Balanced Owed : {$7500.00} ; XXXX XXXX Balanced Owed : {$2600.00} ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to dispute the accuracy of certain items on my credit report. Recently, I successfully disputed these items with XXXX, resulting in their removal from my XXXX credit report. To maintain the accuracy and consistency of my credit reports, as mandated by the Fair Credit Reporting Act ( FCRA ), I am requesting that you ensure these items are also removed from my XXXX credit report. 

Under the FCRA, specifically Section 611 ( 15 U.S.C. 1681i ), credit reporting agencies are required to ensure the accuracy of the information they report. Furthermore, Section 623 ( 15 U.S.C. 1681s-2 ) obligates furnishers to report accurate information to all credit reporting agencies. Since XXXX has already deemed these items inaccurate and removed them from my report, the same action should be taken by XXXX to maintain consistency and accuracy. 

The items in question are as follows : * Account Name : Jefferson Capital System * Account Number : XXXX Enclosed is the documentation from XXXX confirming the removal of these items. I request that you instruct XXXX to conduct a reinvestigation of these items and update my credit report accordingly. 

I appreciate your prompt attention to this matter. Please provide written confirmation of the actions taken on my credit report as a result of this request.
Product: Mortgage

We tried to have our mortgage loan modified through Chase and they are refusing to help us. We began to struggle last year after I suffered an injury which sidelined me as a police officer and caused us to fall behind on our mortgage payments. Our expectation was that they would be receptive to helping us since they received XXXX dollars in bailout funds to help homeowners and still have XXXX dollars left to provide assistance for those in need. Instead of getting assistance and a lending hand, we were not provided with a full review for retention options on our property, but given a streamline medication on our FHA loan. We were never provided with a review for assistance based on our household income, but rather just offered an off the shelf modification that is a bit beyond our threshold to pay. What about offering us a true FHA Modification, or a Special Forebearance, or a Partial Claim? We are qualified for ALL of these programs, but Chase just has taken the easy route and thrown us the worst offer they could muster. The worst part is that they gave this modification in XX/XX/XXXX AND WE HAVE NOW MADE FIVE TRIAL PAYMENTS, BUT THEY WO N'T GIVE US A FINAL MODIFICATION OR EVEN TALK TO US!!! We are absolutely stuck and feel as though we are throwing good money after bad while Chase is winding up their process to foreclose on our home. We built our house from the ground up in 2004 and want to spend the rest of our lives here. However, we can not get any traction or a straight answer from and have been denied us access to government programs designed to help homeowners. They simply refuse to speak to us and we have not heard from our assigned single point of contact for months. We have no idea where we stand and what we need is a permanent solution to our mortgage problem, since our home is in jeopardy of foreclosure. Life was fine and we had a very strong mortgage payment history until I was injured and then it appears that Chase has turned their backs on us. We are scared and would like your assistance to ensure Chase knows someone is overseeing what they do. We desperately need help to get our loan back on track and keep our home. Shame on Chase for how they behave.
Product: Mortgage

This account was transferred from XXXX to Rushmore earlier this year while in the middle of a forbearance plan. At the end of the forbearance plan on XX/XX/2022, I was given 2 options, either have the missed payments put on the end of the loan OR new higher payment amount. These options were done with a click of a mouse on the XXXX website. 

Since my account was sold to Rushmore, 1. I have been locked out of my account 2. I can not make online payments 3. I have to call in to make a payment with a average hold time of XXXX minutes plus. 
4. Im redirected to lose mitigation who are rude and arrogant. 
5. I was given a list of documents to submit for approval of a loan modification most of which I do not have and will not submit due to privacy. 

Back in XXXX XXXX XXXX, I was sent a letter with my contact person in charge of my account. I have tried to reach this person numerous times and they never return my call or answer their phone. 
This forebearance plan was agreed upon with the prior servicer XXXX and Rushmore needs to abide by the original agreement.
Product: Vehicle loan or lease

I leased a car through XXXX XXXX and terminated the lease early when I leased a new car. I received an invoice from XXXX XXXX on XX/XX/2018 that had numerous errors and omissions. I detailed these in a letter of XX/XX/18. 
Among these errors is an " excess wear and use '' charge of {$1000.00}. Since I purchased an " Excess Wear and Tear Protection '' policy through the dealership and with XXXX XXXX I requested a claim form from the rep ( XXXX ) on XX/XX/18. The promised claim form never was received. Instead a copy of the AIM Inspection Report was sent. I faxed this report along with a claim to XXXX XXXX. 
I received a call from XXXX XXXX on XX/XX/18 demanding payment in full by XX/XX/18 or they will send the bill to collection and threatened my credit score. I told them that I filed a claim as directed with XXXX XXXX and it's up to them to work out the details. I was informed that XXXX XXXX " ... does not deal with third parties '' and it is my responsibility to settle the bill even though I still consider it to have numerous errors. 
I do not intend to satisfy this bill until it is correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 XXXX 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
Product: Checking or savings account

This complaint is regarding poor customer service and issues using my ATM debit card overseas. On XX/XX/XXXX, I was traveling in XXXX and my ATM debit card suddenly stopped working at all ATMs though it continued to work for point-of-sale and internet transactions. I contacted USAA by telephone to report the issue but spoke to a representative who was clueless and could not tell me why my card was not working at ATMs but would work for other transactions. I then emailed USAA 's " executive communications '' channel. Although I marked the message as " urgent, '' explaining I could not withdraw cash while traveling overseas, I did not receive a response until four days later when someone named XXXX called me, supposedly from the " CEO 's office. '' She did not understand my issue and could not answer any of my questions. On XX/XX/XXXX, I again wrote to the " CEO 's office '' stating the issue was urgent, unresolved, and requesting it be escalated. On XX/XX/XXXX, I wrote again stating I received no response. I did not receive a response until XX/XX/XXXX, well after my trip abroad had ended, when XXXX wrote me a sloppily written email full of typos and grammatical errors. So it took 13 days to receive a substantive response and that response was barely legible. Additionally, I could not withdraw cash while traveling and USAA showed no sensitivity to the emergency and made little effort to resolve the issue rather than mail me a new card which I still have not received.
Product: Credit reporting or other personal consumer reports

This CFPB compliant has been filed to request pursuant to FCRA 605B Under 15 USC 1681c-2c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below XXXX XXXX {$6000.00} XXXX XXXX {$29000.00} XXXX XXXX {$17000.00} These credit accounts are the results of identity theft and fraud.
Product: Mortgage

In XX/XX/XXXX my Mother, XXXX XXXX XXXX XXXX away leaving a Reverse Mortgage held by PHH Mortgage Services XXXX On XX/XX/XXXX I wrote to PHH asking for a 90-day " marketing '' extension on foreclosure on my Mom 's property to empty the home she had lived in for 30 years, paint it and ready it for sale. On XX/XX/XXXX, day 90 of this extension I submitted a listing agreement with a Realtor with a sale date of XX/XX/XXXX. Apparently though, on XX/XX/XXXX, day 89 of the extension, PHH placed a default notification on the home. 

This notification will make the home harder to sell and I don't think our family will be willing to clean, paint and stage the interior of the home but will just walk away from it. 
There is also a Tenant who is a hoarder in the lower unit whom we are trying to evict. 
We wouldn't evict him. 

The lender PHH would actually not be able to recoup the amount owed on the house if this occurs. AND I feel that PHH is operating in bad faith by foreclosing on the house 1 day before the 90 day deadline.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.