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

This is my request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The inaccurate items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

XXXX XXXX XXXX vs 21st Mortgage UNFAIR BUSINESS PRACTICES ( Nevada ) Fraud Upon the Court - Foreclosing Foul 21st Mortgage, apparently a " foreclosure mill '' is now unethically FORECLOSING, XXXX XXXX 2016 STOP THEM! They received an application after agreeing to review it. They received it more than the seven days prior to foreclosure they told me on the phone. If they meant " business days '' they should have said business days. I would have no way to guess that information. They can not foreclose while an application is under review. 

Homeowner DETAILED ACCOUNT of experience with 21st Mortgage ( a bank/servicer or foreclosure mill I never choose to work with, but was forced upon me by the changing of hands without my knowledge ). Included is back up documentation OF nasty harassment, multiple bad faith dealings over seven years ( XXXX or XXXX banks - this will focus on 21st Mortgage ), intent to defraud consumer, fraudulent activities and failure to comply with their own work out offers. I will demonstrate my good faith efforts to comply in order to stop the foreclosure, years of efforts to avoid foreclosure on my otherwise perfect credit by either a principle reduction to the current value at the current interest rate, a short sale or a DIL. I will show PROOF of bad faith on the part of 21st Mortgage, PROOF that they make offers, force compliance, then when compliance is completed, walk away, delay and delay and simply set a new foreclosure date rather than complying with their own offer. Is this bad faith or intent to fraud? Why is XXXX in every XXXX Nevada homes in foreclosure? 

PLEASE SEE FULL COMPLAINT ATTACHMENT as this box has a minimum character count and my document is too long. Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello there is a fraudulent account being reported on my XXXX for a Barclays bank ending in XXXX saying i owe {$3000.00} I have sent Barclays bank multiple id theft inquires all have been ignored and any investigation that has been done was awful. I am now talking with a customer debt lawyer if this complaint fails to remove from my credit report I will be suing Barclays bank. 

Please resolve this and remove this account from my credit report. if this account has received payments from a XXXX XXXX then please know that the XXXX XXXX XXXX was also open fraudently and should not be used as proof of verification.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2016 KLS Financial Services add a derogatory mark on my credit report per XXXX XXXX and XXXX  report. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. The debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signate does not validate the debt and anybody can send a bill and say its mine. According to the FCRA, KLS Financial Services has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
Product: Mortgage

I 'm filing a complaint during the approved programs Unemployment forbearance program XX/XX/XXXX - XX/XX/XXXX and Home Affordable Modification Program ( HAMP ) XX/XX/XXXX - XX/XX/XXXX. I received numerous calls from the Collections department and letter stating additional payments are due to avoid foreclosure proceedings regardless of the approved programs. I have fulfilled the program requirements making the payments as agreed to maintain on the approved program and additional payments to avoid foreclosure. 
Chase unwilling and unable to provide detail payment posting history explanation of payments, refunds, credit transfers and credits during approved programs Unemployment forbearance program XX/XX/XXXX - XX/XX/XXXX and Home Affordable Modification Program ( HAMP ) XX/XX/XXXX - XX/XX/XXXX. Payments over the monthly approved amount were placed in unapplied principal as credits and then posted to account as additional account payments. When Chase was contacted concerning creative account regarding the overpayments during the approved programs, I was informed this was a standard practice and the unapplied principal is not refundable back to the lender or can be used as future payments. I have attached the approval letters for both approved programs and account transaction history. 
Please review my case to determine if Chase applied the payments applied in acceptable manner during APPROVED government regulated programs.
Product: Mortgage

I purchased my home XX/XX/XXXX with XXXX XXXX XXXX. It was an adjustable loan, and this loan was later sold to Countrywide. My loan then was sold to Bankof America. My payments were {$1200.00} a month. Be reminded that I had other bills to pay such as ulitilities, lights, ect. I called the making home affordable program, and we then called my current mortgage company Bank of America. They told me that I should apply for a loan modification under the HAMP program. They sent me documents byway of XXXX. I filled out those documents, and I also had to get them notarized. I had them notarized at my local bank, and sent them back in the return envelope by way of XXXX. I was approved for the modification. I was told that I qualified for a permanent HAMP modification. However, XX/XX/XXXX, I received a shocking letter that stated that in XXXX XXXX, my mortgage payment would increase from {$720.00} to {$1300.00} per month. This was not as a result of me not paying my mortgage. I immediately called them about this matter. Bank of America stated that in XX/XX/XXXX that I was not in a HAMP modification that I was put in a special program that they had at the time. I asked them what program, because it was the first time that I heard of that. Then they came up with a lie and stated that I failed to send documents back. I knew that was n't true because I had those documents notarized by a notary. I then asked them to send me a copy of those papers, because the customer representative said that they scan documents, and keep them in some type of database. She said that she would send me those documents. I asked many times, and not one document was ever sent to me. They told me that I could apply for a second modification. I went forward with that and was put in a HAMP modification and my payments remained {$1300.00} each month. I then asked, " How is it that my first so-called modification payments was {$720.00} when I actually brought home more money, and now this XXXX modification has my modication payment is {$1300.00}. I asked them did they take into consideration that I have to pay other bills. 
1. I do not understand how my first modication that was supposed to permanent changed after ( 5 ) years. 
2. How my payments went from {$720.00} to {$1300.00}? Which made me appear to be behind because I continued to send {$720.00} until the modification was put into place. 
3. How I was told in XX/XX/XXXX that the first modification would be permanent but changed? 
4. Why those documents was never sent to me that was supposed to be from the original from the first modification? 
*** I believe that Bank of America is covering their tracks by appearing to help people by giving them modification, however ; they raise your payments so high that people still eventually lose their homes. I have been in my home my XXXX daughters and I since XX/XX/XXXX, and I feel that I have been railroaded by this company. Please have them send you how many people are losing their homes after being put into a modification. *** I know that it 's many other people who have been put into this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). 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 corrected : XXXX XXXX XXXX XXXX : {$12000.00} XXXX XXXX XXXX Balance : {$4900.00} XXXX XXXX XXXX Balance : {$3800.00}
Product: Prepaid card

I was supposed to get paid on XXXX XXXX. Today is XXXX XXXX and I still have not received my direct deposit. My car was scheduled to be towed, rent never paid and several other bills due including daycare. I had to stay home from work. Rush card then cancelled my check and sent it back to my company two days before notifying me, which then took an additional five days to be mailed. Therefore I am still not paid
Product: Debt collection

Fraudulent law office threatened a law suit and wage garnishment for credit card debt. The law group called themselves XXXX XXXX XXXX. The transaction that collected the payment shows as XXXX XXXX, XXXX. They reportedly called as the debt collection agency for XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This number called me and knew my credit score and limit. 
XXXX They asked me to read out loud my credit card number. As I declined, they hung up. Please catch these scanners!
Product: Credit reporting or other personal consumer reports

REGIONAL XXXX XXXX XXXX XXXX FIRE XXXX XXXX XXXX, XXXX  XXXX Account Number : XXXX in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 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 an account without my written instructions ) I never gave credit reporting agencies any written instructions to furnish any account on my credit report..
Product: Credit reporting or other personal consumer reports

I acquired a credit card with Navy Federal some years ago, and I owed them a full balance. I had a hardship, and needed time to get my finances together to be able to pay them back. I called, and I was assisted with an option to make a " settlement '' for this a account. I paid my settlement with a 3rd party company, and they sent my documents for proof of paid in full by settlement. I spoke again with Navy Federal, and they said I still have a balance and will continue keeping my balance owed after settlement on my credit. Also, every time I have called them they constantly throw in my face that I will never be able to obtain credit with them again. At this point they are going to hold this debt against me on my credit report after paying my settlement.
Product: Credit reporting

The Georgia Tax liens are incorrect. I have disputed these issues with all XXXX bureaus but have only been successful at removing incorrect information from my XXXX Credit file. I have also contacted the GA Department of Revenue to remove this information to only receive a letter back from them the following message stating " I am writing with regard to your letter concerning the above reference state tax. This department does not release tax lien information to credit reporting agencies, nor do we govern items listed on credit reports ''. This response basically stated to me that they ( GA Department of Revenue ) did not report this incorrect information and will not assist me in getting it removed form the credit bureaus. These liens should not be reporting on my credit files and need to be removed from both my Transunion and XXXX reports immediately. I have attached a copy of the Georgia Department of Revenue Delinquent Taxpayer List that confirms that the liens reporting in my credit files are incorrect.
Product: Checking or savings account

Charles Schwab had someone call me regarding the complaint I filed they asked me questions and I answered honestly they asked me if I received a phone notification for my money to be drawn out I stated I did not receive anything and did not authorize anything this bank is very unprofessional and Im very disappointed in their actions
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cashapp due to inadequate customer services as well as unfair practices. Violating the Consumer Financial protection app. Cashapp failed to make timely and effective measures to address and prevent fraud on their platform.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX Account # XXXX and Account name : 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.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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are continuous fraud activities going on daily and a person should be able to check and validate the credit report. This method is not a problem with XXXX and XXXX. However, Equifax disallows XXXX XXXX, especially when out of the country, to be able to view and dispute the report. Because this has happened many times, Equifax was reported to the Federal Trade Commission for bad business practice and possible fraud activities.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report states that I applied for this loan on XX/XX/2017. I did not apply for this. I got my car loan in XX/XX/2017. I know nothing about this company as I never received a letter from them as I did from the other companies. My dealer tried other companies that I have a list of. The company is XXXX XXXX XXXX XXXX I have no idea what the " XXXX '' is for.
Product: Checking or savings account

My financial institution sent me a text inquiring if i made a purchase on Saturday XX/XX/23 and I replied No. But my debit card was charged for the {$230.00} on XX/XX/23 so I called the bank and said I did not make this charge, and filed a dispute. Then when I called the merchant, they said the financial institution did a chargeback and they could no longer help me and my financial institution will not refund my money so I have not been reimbursed. I keep filing an appeal on the decision that they say that it was a legitimate charge but i did not authorize it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing three accounts on my credit file since XXXX of 2022, I have requested that the credit bureaus XXXX, Transunion, and XXXX to please verify these accounts and how they verified these items and who they spoke with or please remove them from my credit report. 

I have not received a response from XXXX regarding these complaints Each time I get responses from the credit that they verified them but don't provide details of the verification process, who they spoke with etc.
Product: Checking or savings account

I XXXX XXXX was a member of Chime online banking, however my acct has been closed as of XX/XX/year> as per them bc of charges I disputed that were not done by me but however at the same place I have shopped at. They did not approve any dispositions I made making it unfair without telling me about the charges not listed on my acct for using my debit card or transferring funds from my debit card to my XXXX XXXX card. Then not giving me the amount I am owed back from a transaction being disputed. Several times I tried to explain to an agent yet nothing was done for it. I was made to be assumed that I was wrong and didn't know what I was talking about and bc I provided a police report with the disputes they did not approve so they closed my acct on me bc I was not wrong. However there's has been hundreds of dollars missing from my account every moth for the last 3 yrs. In addition to the places I shopped at did not show as per the transaction that showed up on my transaction slips.
Product: Mortgage

I closed on a 15Y conventional mortgage with KeyBank. I requested all documents go to my address on file ( prior home ) and not the new home. I confirmed this with my mortgage banker, XXXX XXXX. We never received a statement to may the first payment in XXXX. XXXX. XXXX  was able to get it and email me a copy. Two weeks into XXXX, I still had received no documentation from KeyBank since closing. I contacted XXXX. XXXX again and he asked me to call the XXXX number and as this is the job of the folks at that number. I did so and spent 45 min on the phone trying to get things sorted out. As of today, XX/XX/XXXX, I have received a paper address change form with no return information explicitly stated on it nor a return envelope and no further paperwork. I called again this XXXX and was told that they " always '' send the paper confirmation and that is why the previous person did not tell me it was coming. They blamed me on more than one occasion, stating that the problem must be that my mail forwarding is the problem. My mail was not forwarded untilXX/XX/XXXX. Two different people have no idea why, I am not receiving anything. The only answer today, was to transfer me to the online bank dept to enroll and pull up my statements electronically. I have been trying to accomplish this for a month already and it always tells me it can not confirm my account. I was able to create an online profile this, but the person on the phone failed to verify my ID using " public record '' questions and told me he could not longer help me and I could call back or go into a branch.
Product: Checking or savings account

Barclays Bank closed my savings account for no reason.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX/XXXX  Account Number : XXXX Account Name : Untitled Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX and list of Inquiries. 


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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following XXXX accounts has violated my rights. 

XXXX : account number XXXX -XXXX XXXX XXXX : account number XXXX -XXXX XXXX  : account number XXXX 15 U.S. Code 1681 section 602 ( a ) states I have the right to privacy 15 U.S. Code 1681 section 604 ( a ) section 2 also states a consumer reporting agency can not furnish your account without my instructions.
Product: Credit card

I received dental work. Was approved for a care credit card. Authorized a purchase for XXXX. However after leaving the office I was charged an additional XXXX that I did not agree with. CareCredit is not helping me get my money back. They basically told me XXXX on my own and should file a police report. I am paying interest on a charge I never authorized and XXXX XXXX refuses to give me a refund Or give me a receipt or proof that I authorized payment
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 with a copy of verifiable proof, you must remove the accounts listed below.

I demand the following accounts be verified or removed immediately. 
-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX