23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

JP Chase Morgan turned my mortgage over to XXXX XXXX XXXX. They sent all my correspondence to the address they knew I was no longer occupying. Both XXXX and Chase sent information to my XXXX XXXX XXXX, XXXX, XXXX, AL XXXX address versus my apartment address. As a result, I did not know that my mortgage had been refinanced and that I needed to start paying a trial payment starting in XXXX and ending in XXXX. 
I made my payment to XXXX in XXXX. I had trouble making this payment. I contacted Chase about this problem. Of course they told me that they no longer had my mortgage. They do direct business with XXXX, and XXXX occupies their city-block building at XXXX XXXX   XXXX in XXXX XXXX  XXXX. Although I made my payment in XXXX, my home is in foreclosure. Indeed, a woman from a third-party came to my door this morning and did an occupancy check and took a picture of me at my front door. 
Chase is the largest bank in America and supposedly one of the most reputable banks in the entire world. I would anticipate that they would do business with more reputable companies. Chase should have at least contacted me by phone or emailed to let me know of the eminent change in the status of my mortgage. Indeed, I informed them of my medical status and that I had been in and out of the hospital and oftentimes completely unable to have access to my mail and other forms of information including my cell phone. Specifically, I have been in psychiatric wards where you are not allowed to have access to your cell phone and are only allowed to make phone calls at certain times of the day oftentimes not during business hours.
Product: Credit card or prepaid card

I received a phone call on my cell phone, XX/XX/XXXX at XXXX XXXX  from phone number ( XXXX ) XXXX. The man said he was a Best Buy employee, however, I could hear the wind in the background. He then asked me if I ordered a camera from Best Buy and asked my name. I told him my name and said I never ordered anything from Best Buy. After hanging up the phone, I called the phone number back only to find out it didnt exist.
Product: Vehicle loan or lease

XX/XX/2019I purchased a XXXX XXXX XXXX XXXX XXXX XXXX  truck from XXXX XXXX XXXX  in XXXX, Indiana. I told them my monthly payment range and found me a truck. I traded in my XXXX XXXX XXXX XXXX  with a loan still owed. They told me they would give me 5k for my XXXX  which I still owed XXXX on. They honored that 5k off the purchase price of the truck which was XXXX. That brought it down to XXXX. Now, after arriving and waiting around for a long time the sales rep that does all paperwork came to me with it all completed. Showing me the good prices but skipping what I found out now to be added charges, but considering the payment was in my monthly cost, I didn’t see them and he didn’t want me too. They added my entire XXXX  loan on to the truck loan to make up that 5k they took off the truck balance. As well as adding an “extended service agreement “ and gap insurance which he said only raised my monthly payment 30 dollars and was needed but never told me the cost. The warranty was XXXX dollars and the gap was XXXX dollars. After all this extra services I now am paying 10,000  more than the truck is worth due to the services not spoken about. This is disheartening and I will never buy from them again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$2200.00} ; XXXX  XXXX Balance Owed : {$1200.00} ; XXXX XXXXXXXX Balance Owed : {$1000.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed XXXX {$0.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$240.00} ; XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$7300.00} ; XXXX  XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX-XXXX  XXXX Balance Owed : {$86.00} ; XXXX  XXXX Balance Owed : {$150.00} ; XXXX  XXXX XXXX Balance Owed : {$710.00} ; XXXX  XXXX XXXX Balance Owed : {$710.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$570.00} ; XXXX  XXXX Balance Owed : {$630.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX.
Product: Credit card or prepaid card

On   XXXX   XXXX   2017   I pur chase a seat upgrade for me and my husband to add on the the flight that he purchased for us to tr avel to Puerto Rico. O n the date of Travel in  XXXX  the airlines advised that the aircraft we were flying on did not have the big front seats and in fact our seats would not even be together. I spoke with a gate agent once the first part of our flight landed and was issued a refund for the fir st 2  upgraded seats that I purchased. On the return flight I was rushed on the plane and advised there was nothing the airlines could do to assist my husband and I. As a last resort  on   XXXX   XXXX  2017  I  filed a dispute for a charge to my credit card from  XXXX   XXXX . I received a call from an agent to investigate, before I could even explain the reason for my dispute the young man had already established that I had already received a service. He was very rude and could not understand what I was saying and constantly cut me off. I asked several times to be transferred to someone else and he flat out refused and told me my dispute would be closed. I submitted a receipt to document my dispute on    XXXX   2017 a  nd it was completely ignored. I received a letter dated    XXXX   XXXX  , ( th e date of the call ) saying my dispute has been cancelled, without even viewing my receipt. My dispute was for the remaining  XXXX  for seat upgrades that the airline did not give to me and my husband. MY DISPUTE IS NOT FOR A AIRLINE TICKET, I purchased a ticket and I was allowed a seat on the plane, what I was denied was the big front seats that I paid  XXXX  $ for me and my husband.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Student loan

I have been forced to pay student loans in full even though I never graduated high school and could have never used the degree if i finished. I only completed one term yet had to pay over {$10000.00} to get them off my credit so i can't get a home, a vehicle, etc. I completed numerous applications as they offer to forgive loans for these exact situations, however, they have only led me in circles for over 5 years trying to get it off my credit. Finally it is paid in full. But they should never have gotten that money and it is wrong. they are thieves. but now student loans stay on your credit report for life and ruin your life until paid in full, weather right or wrong. unfortunate as it is, the department of education are straight up blood sucking thieves and after the money not in it to help anyone. so sad what the world is coming to these days.
Product: Credit reporting, credit repair services, or other personal consumer reports

Around XXXX XX/XX/XXXX phone line was ported from XXXX XXXX XXXX mobility to XXXX. My account with XXXX XXXX XXXX was required to be in good-standing and paid in-full BEFORE porting. In late XX/XX/XXXX I received a collection notice from XXXX XXXX XXXX XXXX XXXX. The Date of the letter is XXXX XX/XX/XXXX. The letter advises that XXXX XXXX XXXX placed my account with your agency for an alleged outstanding debt in the amount of {$340.00}. I do not owe this amount as XXXX XXXX XXXX XXXX continued to bill me for services for a phone line that was absent a phone number because the voice line had been ported. Furthermore, the date of the collection notice is XXXX XX/XX/XXXX, placing it within the period over which the Governor for my state has issued a " Stay At Home '' order restricting my right to travel within my state. The instructions of that order specifically stat that I am not to leave my home for reasons other than obtaining groceries or prescription medications. XXXX ceased all activities to collect on the debt per their response to complaint XXXX. On XXXX XX/XX/XXXX I checked my credit report to find that a collection was placed on my file in the amount of ninety ( 90 ) dollars. The account lists XXXX  as the " Original Lender '' and " XXXX XXXX XXXX XXXX '' as the collection agency. It lists the date placed with the agency as XXXX XX/XX/XXXX. I have never had first contact with XXXX XXXX XXXX  XXXX I never received notice that there was any collection amount. Outside this CFPB complaint I have not had the ability to exercise my Right of Notice and Opportunity to Be Heard that I am afforded as a part of my rights of Due Process. The timing of the collection is rather coincidental because it coincides with reported slow-down in mail across the United States. From my perspective, it would appear that such collections were timed to almost ensure that an individual with an alleged debt would be unable to exercise right of notice within thirty ( 30 ) days of receipt, or would never receive notice at all, with the collection agency claiming they " sent '' the notice. As it stands, the information listed is inaccurate. Any alleged outstanding amount was settled with the original creditor as a step to activate internet service with ATT. Finally, this is nuisance debt of less than XXXX XXXX XXXX XXXX dollars and therefore should not show up on my credit report all under CRA practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for an apartment and was denied because my credit report states " civil action for possession under landlord tenant records. 
The rental property was in my parents name when I was in high school and the rent was only paid late. We have the documentation that states it was dismissed by the court.
Product: Debt collection

On XX/XX/2022 I contacted this company for a debt that is not correct. I do not owe this company for no sort. Never signed a agreement with this company to do business. & the amount they say I owe is incorrect.
Product: Credit reporting or other personal consumer reports

Last year due to extreme financial hardship and medical problems, I became seriously behind on several of my bills. While I normally make a great effort to honor my debts and fulfill my responsibilities, I became financially unable to pay my bills. XX/XX/year>XXXX  for {$35.00}
Product: Student loan

I have written the organization more than 4 times for assistance. I followed CFPB guidelines on how payments should be  processed ( there is a sample letter from your organization instructions for payments be made on the highest loan first ). At first I was told it would take time to process but after months I called to file a complaint. I then was told it had been corrected. My most re cent payment was still processed incorrectly
Product: Credit reporting, credit repair services, or other personal consumer reports

In according with the Fair Credit Reporting act XXXX Account name- XXXX XXXX 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.C1681 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Checking or savings account

I need to get removed from XXXX. I got reported to XXXX for overdrafts because I had checks returned but it was not my fault. I got reported for stuff that happened that was not due to account abuse. I was scammed and had bad checks in my accounts.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. SXX/XX/XXXX) require the XXXX credit bureaus to validate these accounts (XX/XX/XXXX It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXXXX/XX/XXXXXXXX Balance : {$9700.00} XXXX XXXX XXXX : {$800.00} XX/XX/XXXXXX/XX/XXXXXXXX XXXX Balance : {$1800.00} XX/XX/XXXXXXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX CFPB complaint informing the Credit Bureaus that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the identity theft. 

These items are unknown to me. Also, the information you provided on some accounts is DELETED from other bureaus and I have doubts about their accuracy and the reported payment history on some accounts is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.

( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this Section, if the consumer reporting agency reasonably determines the following : ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions.

Again, the items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please remove the reporting of any information in my credit file that resulted from an the identity theft.
Product: Debt collection

Someone stole my identity and ordered products from XXXX XXXX. When I found out about this checking my credit report, I immediately contacted them and spoke with a supervisors and they said they will handle this. A couple months later they sold the debt to another company which is illegal because I informed them that it was n't me. The name of the new debt collector is Jefferson Capital System opened XXXX XXXX 2015. This has really affected my credit score and I requested them to send me the information they have on file for me and delete the fraudulent charges. The balance is {$2600.00}.
Product: Debt collection

They continuously call even after i have spoke with them to tell them we will be in and i have ask them not to contact me at this number yet they still do. They call several times a day even if the payment is one day late. They are very rude and forcefull when they call.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Experian and XXXX about some identity thief. they both refuse to remove a fraudulent XXXX  XXXX XXXX account after I sent a copy of my police report and FTC report that they requested. They said the account was verified by the company, so I said with what proof? I was told that information could not be provided, and I could not re dispute the account again. I let them know that under the information act they had to provide it, And I was not notified by mail or email of this decision. And was told no they do not have to. This is the second time I have had to make a complaint against both this company for refusing to remove fraudulent information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened an account XXXX/XXXX XXXX on XX/XX/XXXX and amount on the account was maxed out at {$1000.00} for a purchase made for {$1500.00}. I paid {$590.00} and the XXXX card was for {$1000.00} which was the limit. It was disputed to the Credit bureaus on XX/XX/XXXX and my credit score dropped down. I made payments 0n XX/XX/XXXX for {$300.00} then on XX/XX/XXXX payment of {$300.00} and on XX/XX/XXXX made a payment of {$100.00} showing a balance of {$300.00}. As of XX/XX/XXXX the XXXX/XXXX XXXX  account on both XXXX XXXX and Equifax show that account with a balance of {$1000.00} and no payments having been made. My credit score has not changed. The XXXX Card shows that I have a balance of {$300.00} and three payments made. That does not show up on my credit reports. I have refinanced my mortgage with XXXX to XXXX XXXX and there is no record of that. XXXX was closed on XX/XX/XXXX and the new mortgage with XXXX XXXX does not show up. Why are the Credit Bureaus so quick and lower your scores but do not seem to correct them as soon. Thank you for any assistance.
Product: Debt collection

Nationwide Credit & Collection is inaccurately reporting a debt on my XXXX Credit Bureau report, in the amount of {$790.00}. I called to inquire about this debt and was told they are collecting for a medical bill. I told Nationwide Credit and Collection Inc., I do not owe any XXXX debt to anyone. I requested Nationwide Credit and Collection to validate the debt belongs to me by providing me with a document bearing my signature according to the Fair Debt Collection Practice Act. And I was told they do not have anything bearing my signature. I have repeatedly asked for evidence to support their reporting on my credit report. Nationwide Credit & Collection have failed to provide me with a copy of viable evidence to support their false claims.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the fraudulent items listed below are still reporting on my credit report in violation of Federal Law. I realized that the XXXX credit bureaus failed to fix it and I do not believe that these items belong to me. These items should be deleted as a confirmation of derogatory or negative in my credit file. They failed to comply with Fair Credit Reporting Act, Section 605b within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, is a willful negligence and non-compliance with federal statutes. For that reason, I am asking for your help to delete these items : XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX BANK XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting

Equifax is reporting a judgment for XXXX, a satisfied judgment for XXXX and a tax lien for XXXX that I do not believe belong to me. I have never received documentation on these debts and I 've never had issues with my taxes
Product: Credit reporting or other personal consumer reports

I have been identified as a victim of XXXX that has resulted in XXXX XXXX and effects my consumer report. As a Survivor of XXXX XXXX XXXX XXXX XXXX you have RIGHTS. Under the Fair Credit Reporting Act ( FCRA ) Section 605C, negative information on your Background Check attributable to trafficking may be BLOCKED from Background Check reports ordered by future employers, volunteer organizations and landlords.
Product: Credit reporting, credit repair services, or other personal consumer reports

These unauthorized inquiries are negatively impacting my credit history and financial well-being. I kindly request your assistance in addressing this matter and having these inquiries promptly removed from my credit report. 

The unauthorized inquiries are as follows : XXXXXXXX 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: Debt collection

I noticed that this account its in my credit report, I try to dispute with XXXX, when I deputed it came back as verified. They didnt provide any of the following. 

1.I need the audit trial of the balance.

2. Also I need them to provide me with the agreement that grants them to collect this allege debt.

3Also provide with the master bill of sale