23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I, XXXX XXXX, ( the " Borrower '' ) am the innocent victim of foreclosure fraud perpetrated by BANK AMERICA, N.A. ( the " Lender '' ). Lender is located at XXXX XXXX XXXX XXXX, XXXX, NC XXXX, ATTN : XXXX XXXX XXXX, CEO, tel. ( XXXX ). Borrower 's Home Equity Line of Credit ( HELOC ) Account No. is XXXX. Borrower 's Bank America, N.A. 's Checking Account No. is XXXX XXXX XXXX. 

According to the terms of Borrower 's HELOC contract with Lender ( successor to XXXX XXXX ) dated and commenced on XX/XX/XXXX, funds to pay for the monthly Periodic Finance Charge ( interest and interest only ) as stipulated by the Automatic Payment Authorization provision in the HELOC contract are to be debited monthly. 

This above-referenced debiting from Borrower 's checking account occurred successfully and faultlessly from the HELOC loan 's inception until XX/XX/XXXX, a period of almost eight ( 8 ) years, when the Lender put Borrower 's HELOC loan into " default '' status claiming there were insufficient funds in his checking account to pay for that month 's Periodic Finance Charge. On the contrary, Borrower has endorsed Bank America, N.A. deposit slip proof indicating the funds in cash were in Borrower 's checking account per the terms of the HELOC contract each and every month through the present date. Lender commenced a fraudulent foreclosure action upon the Borrower without ever providing a truthful and valid reason as to the cause as to why and how there could be insufficient funds in Borrower 's checking account. 

The Lender never truthfully nor timely nor completely responded to Borrower 's multiple verbal as well as written requests to answer the reason for the insufficient funds. After several years, the Borrower ascertained that the Lender illegally and fraudulently debited the Borrower 's checking account to pay a Lender-Placed Flood Policy premium in XX/XX/XXXX. The Lender never complained before this XX/XX/XXXX date, an approximate eight ( 8 ) year period, that the Borrower was ever not compliant with his flood policy coverage per the terms .of the HELOC contract.Instead, the Lender illicitly debited the Borrower 's checking account.
Product: Credit reporting, credit repair services, or other personal consumer reports

While viewing my Transunion report, I noticed that a bankruptcy of my consumer report which was obtained from The Public Access to Court Electronic Records ( PACER ) by you ( LCI ). Pacer, a service that provides electronic public access to federal court records. Pursuant to the reporting requirements, the reporting does not comply with FCRA, You violated my right to privacy by obtaining information regarding bankruptcy from pacer and furnishing my credit report. The Law Clearly states that, 15 U.S. Code 1681- Congressional findings and statement of purpose ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
You did not respect my right to privacy, nor treated me fairly. This has damaged my reputation and it makes it difficult for me to obtain credit. 
Also, I did not give you written permission to obtain and furnish my personal information to the consumer reporting agency. 
( 15 U.S. Code 1681b - Permissible purposes of consumer reports : ( a ) IN GENERAL SUBJECT to subsection ( 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 did not give you written permission to provide any information for my consumer report. 

Also, 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( 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: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX XXXX, XXXX, EQUIFAX Re : Identity Theft Report and Request for Fraud Alert Dear Sir/Madam , I am writing to report identity theft and to request that a fraud alert be placed on my credit report. Someone has used my personal information without my permission to access and/or open accounts. I have already filed a report with the Federal Trade Commission ( FTC ) and enclosed a copy of the FTC Identity Theft Report, which includes the details of the fraudulent activity.

Please place a 90-day fraud alert on my credit file and provide me with a free copy of my credit report from your agency.

Below are my details for your reference : Full Name : XXXX XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Account # : - XXXX - Account Type : - REVOLVING - Account Type - Detail : - Credit Card I understand that under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fraud alert and a free copy of my credit report. I kindly request that you take immediate action to protect my credit.

Thank you for your prompt attention to this matter. Please confirm receipt of this letter and let me know the steps you are taking to assist with my identity theft claim. 
Sincerely, XXXX XXXX
Product: Bank account or service

On XXXX XXXX, 2015 I applied to a job on XXXX. The job contact XXXX XXXX informed me via email XXXXXXXXXXXX I met all the qualifications for the job and to contact ( XXXX ) for an interview. The interview took place on yahoo messenger. I was given an identification number for the online hiring process " XXXX. '' After completing the interview questions on yahoo messenger I was told that I would receive a cashiers check in the mail to buy supplies to set up an office space. The check arrived in the amount of {$2800.00}, I was told to deposit the cashiers check then withdraw funds to wire via XXXX XXXX or XXXX XXXX. The funds were wired as asked my potential employer. On XXXX/XXXX/15 Chase Bank mailed me the check stating it was Altered/Fictitious. The total amount wired via XXXX XXXX was {$2700.00}. This scam was reported to XXXX XXXX Police Department and a complaint was filed with XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Midland credit purchased an account I had with XXXX XXXX credit card. The account was fraudulent and not my account. The police were notified back in XXXX  and XXXX  XXXX sold my account to Midland Credit and now reporting negative and adverse information to XXXX XXXX, XXXX, and XXXX for an account that was not mine. They even went as far as filing a lawsuit without my knowledge and had a judgment on me. I was able to hire an attorney to have the judgment vacated, because the account was fraud, yet Midland credit still reports adverse information and is destroying my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to you all for help with items on my credit that are not mine. When I took a look at my report again there are still items that are not mine. I'm really trying to help my child with school and this is hurting me.XXXX, XXXX, XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

In XX/XX/year>, I notified Toyota/Lexys Financial that I was disputing the contract via certified mail. No payment was or collection could be perform during this dispute. They have not responded as of this date. They violated the holder in due course rule and I am owed damages. I attempted to inquire as to their arbitration policy and they still have not responded. They further reported on my consumer credit report as late 60 days when the dispute legally stops all collection during the validation period.
Product: Debt collection

Currently in repayment agreement with Weltman , Weinberg & Reis Co., LPA XXXX XXXX XXXX  XXXX  XXXX XXXX, XXXX, MI XXXX. Agreement for Weltman, Weinberg & Reis collection for XXXX XXXX account, started XX/XX/XXXX, {$100.00} per month. I have paid each month with the exception of 1 or 2 months in XXXX, called to reported unable to pay. I was allowed to skip 1 payment in XXXX, the other time I had to make a {$200.00} payment to make up for beign unable to pay. This summer, my money was difficult to make payment due to increase in gas adn groceries. XXXX XXXX for work and in XXXX I was paying {$330.00} a week for gas due to prices hike and was unable to pay several old debts just to make it. I talked with agent from lawyer firm in XXXX, she was suppose to get back to me to see if they could lower payment for six months. I received a call from agen in XXXX stating they were not able to decrease payment and wanted to know when I would pay. I agreed to pay {$100.00} the end of XXXX and was not able to just yet because of finance and increase in groceries and bills. I called on XX/XX/XXXX, spoke with agent assigned to my account, She informed me that she allowed my to miss one month and this bill will take too long to pay off so options has changed. I was told my option was to pay the remaining balance of {$7000.00}, or the monthly payment will increase to {$300.00} to pay off in 2 years. I told her I would not be able to do that as I have 8 other old debtors, rent, groceries, and food to pay. I was told my account is pending and as of today it is processing to garnishment. I asked how could my account go from pending to garnishment during this call. The agent tried to correct herself by saying I am not familiar with the process, it takes time to garnish, and I need to pay the new amount of {$300.00} to get back on a monthly payment. I again told the agent, I can not pay that and that I was not understanding I am trying to pay {$100.00} today and you will not take my payment. The agent said there is a good faith payment and this may not stop the garnishment. I informed the agent, I will be contacting the lawyer firm from my employer to find out how you can protect youself from debt collectors where you have made payments each month over 2 -1/2 years except for 2 or 3 payments and being threaten for garnishement. I was provided CFPB to complain against this lawyer firm.
Product: Money transfer, virtual currency, or money service

I have a cash app account. On XX/XX/year> I received {$20.00}. Cash App asked me to create a new account to accept the {$20.00}. After asking customer service why this was necessarythey said to just create the new account, transfer the money and then close it. After creating the new account the money was never in the account and the money was returned to the sender by cash app. Cash app returned the money without asking either me or the sender. I have lost {$20.00} and cash app refuses to help me.
Product: Credit card

On XX/XX/XXXX at XXXX I noticed a fraudulent transaction in the amount of {$100.00} on my XXXX XXXX XXXX XXXX for an unauthorized transaction that was made to XXXX XXXX XXXX, on or around XX/XX/XXXX,, I also realized the card had been lost and most likely stolen when I couldn't find it on my person and remembering the circumstances surrounding the last time I had it,, I immediately reported it stolen on XX/XX/XXXX threw the automated system,, on XX/XX/XXXX at XXXX I spoke with a live representative that stated the {$100.00} charge could not be disputed until it post,, on XX/XX/XXXX at XXXX I noticed that my available credit was still {$1800.00}, ,which is still {$100.00} less than the {$2000.00} that it's suppose to be, I also noticed that the fraudulent transaction to XXXX XXXX was no longer appearing on the transaction activity, the representative I spoke with stated it was still in the pending status, ,I told her how??!! It's not even appearing on the transaction history anymore,, at this point I requested to speak with a manager, ,she refuse to do so and transfered me back to the main menu,, I than called back to speak with a manager and was refused again by a representative at or around XXXX on XX/XX/XXXX due to the nature associated with both representatives I've come to the conclusion that they refused to honor my request to speak with a manager because they are the type of XXXXXXXX XXXX XXXX, one sounding to be of XXXX  origin,, both refused my request to speak with management, ,especially the representative I spoke with on XX/XX/XXXX at XXXX, ,stereotype me as a low - income and unknowledgeable XXXX XXXX XXXX ,had I been a XXXX XXXX XXXX XXXX XXXX  I realize that my request to speak with management wouldn't have been refused at all,, further more when I made mention of my knowing of the CFPB to the representative I spoke with on XX/XX/XXXX at XXXX she laughed and giggled, ,which was an indication that the entire matter concerning myself was of no concern,, after this matter is resolved I will close the account to avoide having to interact with XXXX females whom feel as if you are an XXXX XXXX XXXX XXXX XXXX XXXX,, they have no obligation to honor simple request associated with an account.
Product: Credit reporting or other personal consumer reports

This is a formal complaint regarding the inaccurate and incomplete information that you are reporting on my Credit Report, which I wish to dispute. 

XXXX XXXX XXXX XXXX 
While I acknowledge that errors can occur, it is important to rectify these inaccuracies promptly, as they could potentially lead to higher interest rates for me. Given my current financial obligations, such additional expenses are unwelcome.
Product: Consumer Loan

I had a XXXX XXXX XXXX lease that I rolled into a new XXXX XXXX XXXX lease. We were told at the dealership that we would not incur any charges on our returned leased XXXX as a part of our deal to lease the new XXXX. We returned the car and about 3 weeks later received a bill from Ally financial for {$620.00}, no explanation other than " excess wear/excess mileage ''. We were not over our mileage so I knew it was not that. I called the dealership who said it was not them, it was Ally financial who was assessing the charges ( again, they did not tell us when we re-leased a new car that there was another party who would charge us. They just said there would be no charges to us on our return lease ). I called Ally to find out how they assessed these charges and all they would provide was a copy of the lease inspection report ( which I had a copy of from the dealership ). I asked the Ally employee ( XXXX ) if these repairs were actually made to the car, which she would not answer. All she would say is that the only information I can have is the inspection report. After asking her several times she said " I did n't make the repairs '' in an extremely rude tone ( and still not answering my question ). I also asked her if there were not actual repairs made to the car and itemized receipts for said repairs, was there a devaluation report showing how each charged item affected the car 's resale price. She again was extremely rude and said that all I can have is the report and she can " send me the lease inspection because I clearly did n't read it ''. The lease agreement is not my question- my question is how did they arrive at these amounts and where is the information backing this up? There has to be either a receipt for repairs or an itemized devaluation report showing how they affected the sale price of the car. In addition one of the chargeable items on the lease is a dent which they are charging {$200.00} for and I can not see a dent in the picture on the report. This seems excessive and I ca n't tell that a dent is even there.
Product: Student loan

I first had received student loans through XXXX XXXX which is now navient. They had my payments very high and instead of lowering them the would tell me to file for student loan forgiveness. I 'm not even using my education because I have a very sick mom who has a XXXX XXXX and I give her alot of my money to pay bills on her house I live in as well including food etc ... I was told my loan was going to be much lower then it is and not only did it go up almost 10,000 dollars more then I thought, they are telling me after interest it 's going to double. The only thing that navient has done for me is made me current on my loan to do a student loans by putting all three loans into one to help with credit so I can sign up for student loans forgiveness again
Product: Prepaid card

Recieved a Equifax data breach prepaid settlement e-mastercard for {$7.00} it does not work and when you contact the issuing company neither their phone service or web site help at all. I realize the amount is not much, but i hate getting ripped by a large corporation. When researching on line i came across a large amount of people with the same problem looks like they have known about the e-card problem and have not addressed it. Card issued by XXXX XXXX.
Product: Debt collection

I 'm XXXX year old XXXX female with the only source of income is my dead ex-husband social security check. I did n't received Any information related to the Account Control Technology Inc. 
was in Florida for 3 month. I has a death in the family. When I received the information the {$300.00} was already being taking from my social security. I made a call to US Treasury but I could not change the amount. I can pay something or work @ a federal or government for free to help pay off this dept. as an off set. ACT Were taking {$300.00} of my money out of the social security check. 
The Principal balance {$13000.00} {$2600.00} is interest. To pay {$3900.00} for a collection agent is horrible. It is almost like the Gov, is being a crook. I ca n't afford this {$300.00} payment. Nonetheless. How can US Treasury allow a collection agent to take From my social Security. I will have drop my XXXX which I pay {$110.00} to afford Rent, Utilities, Food, and Transportation. 
XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In mid XXXX XXXX, I filed a written dispute with TransUnion, XXXX, and XXXX to delete unverified information from my credit report. I requested that they provide an original document with my signature on it from the debt XXXX verifying the debt belonged to me. I 've since received notice that my investigation was closed with all account verified, but did n't get any proof from the debt XXXX or credit bureaus with the original signed document. My primary concern it that these bureaus have incorrect information on my file, and this is prohibiting me from being able to acquire credit for life necessities.
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 's rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account XXXX XXXX Department of EducationXXXX XXXX- account XXXX XXXX Department of Education/ XXXX- account # XXXX Department of EducationXXXX XXXX account # XXXX Department of EducationXXXX XXXX account XXXX XXXX XXXX- account # XXXX XXXX XXXX account XXXX XXXX, has violated my rights. I looked at my XXXX report on XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681i 5 they are suppose to do this ( XXXX ) XXXX Treatment of inaccurate or unverifiable information. ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or modified that ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer in according to 15 USU 1681s-2 they are suppose to 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

I paid off my collection not only for the original amount but they charged me additional amount to have it removed and it does not show paid or has it been deleted. I have called their company XXXX XXXX XXXX XXXX several times and they tell me they will report it again and it is never done. I need this off my credit report as I 'm working very hard to get me score back to good. As you can see I have no late payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report shows an old XXXX XXXX account # XXXX that was opened on XX/XX/XXXX with 30/60/90/120 late months after never having missed a single payment. I had a  flawless payment history. The reason for these late erroneous late payment marks are due to when I had moved my office in XX/XX/XXXX and despite updating my records with both the post office and the creditor, I never received the statements in the mail. It was n't until I noticed that I had not received anything that I contacted the creditor asking what was happening. They told me they would resend the statement and that the late fee would not apply because of the " confusion ''. However another month went by where I still had not received my statement and was forced to call in again. Furious, I called again and was told that there was no record of my previous calls! I asked if the statement could be faxed but was told that was not possible but that they would make sure to send it once again. I asked if it could be expedited since the holidays were approaching but was told that this was not possible. Sure enough the holidays came came and went, even a new year was celebrated and I had not received my my statement in the mail. I called a final time in XX/XX/XXXX and asked to speak with a supervisor. A man name " XXXX '' heard me out and apologized for the trouble, however when he confirmed the address, they still were sending to the the old address! Once again I provided the new address and finally received it in the mail early XX/XX/XXXX. I do not believe penalizing me for something outside my control is fair, especially having a flawless history.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. Or 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.