23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I sold my long-term home in  XXXX   XXXX  at the end of  XXXX  and sought to buy a condo in early  XXXX . The price of the condo was {$310000.00}. I was referred to Mortgage  Broker   XXXX   XXXX  a t Citizen 's  Bank to obtain a mortgage.  XXXX   XXXX  told me I did not qualify for a mortgage although I had sufficient cash from the sale of my home for a very large down payment. He offered to take out a mortgage in my name and to have me pay him the monthly mortgage payments and condo fees. I am not very sophisticated in mortgage matters and I trusted him and followed his advice. I gave him {$100000.00} in cash and he took out a mortgage for {$210000.00}. I thought the condo would be put in my name but instead it is in  XXXX   XXXX  's name. I have paid the mortgage and condo fees each month although  XXXX   XXXX  claims the tax benefits of the interest payments.  XXXX   XXXX  has threatened to evict me on several occasions as he no longer wants the mortgage in his name. I am of limited income and can not get a mortgage. I feel like I was taken advantage of  XXXX   XXXX  and  Citizens Bank,  as I am not even sure if he or the bank even considered me for a mortgage. Also,  Citizens Ban k and  XXXX   XXXX  should have advised me to put more money as down payment or even pay cash for the condo, which I could have done. At some point after the purchase of the condo  XXXX   XXXX  went to work for   XXXX   XXXX   as a mortgage broker. He provides me with   XXXX   XXXX   pre-paid envelopes and I send my monthly payments to him at   XXXX   XXXX  . I believe   XXXX   XXXX   should know what he is doing and he should be disciplined for taking advantage of me. I am a  XXXX   year old   XXXX  woman with health problems and limited income. The actions of  XXXX   XXXX , a licensed mortgage broker, and both  Citizens Bank and   XXXX   XXXX   have caused me financial hardship and  emotional distress. I feel like I was cheated out of owning my condo.
Product: Consumer Loan

Ace Cash Express continually takes out money before my payday. Getting very hard to manage.
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple accounts on my credit report I do not recognize XXXX XXXX {$3500.00} XXXX {$400.00} XXXX XXXX {$400.00}
Product: Debt collection

I recently applied for a home loan and was denied do to fraudulent activities. I have never applied for FIRST NATIONAL BANK OMAHA credit cards or have I used this card. I have recently tried to dispute this directly with the bureaus and asked for an Itemized bill, they verified as accurate. This is not fair to me because in fact the information is inaccurate. I have been dealing with identity theft since XXXX. My name is very common and all these items on my credit report have affected my life negatively. I am unable to apply for Personal loans, Credit cards, Car loans, Phone services or even a Home loan. I called FIRST NATIONAL BANK OMAHA XXXX to provide them with a police report number XXXX that I filed with Officer XXXX. I have also had issues with the IRS because of this. Somebody else is using my SSN and/or there's a mistake when these companies are adding them to my report and there not checking for the correct SSN & DOB and just applying it to the first person they come across with my exact name.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX # XXXX ... .Last due dates reported incorrect. And different dates ... .in all 3 Berous. XXXX, XXXX & EXPERIAN. ...
Product: Credit reporting or other personal consumer reports

Item was disputed on my credit report as this information is inaccurate. I do not have and I am not aware of a medical bill from XXXX XXXX. This information is negatively affecting my credit report and is inaccurate.
Product: Credit reporting or other personal consumer reports

Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$0.00} Status Account charged off. {$250.00} written off. 
XXXX  XXXX Under dispute Date opened XX/XX/XXXX Balance - Status Account charged off. {$2300.00} written off. 
XXXX XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance {$0.00} Status Account charged off. {$2400.00} written off. 
XXXX XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX Under dispute Date opened XX/XX/XXXXXXXX Balance {$1400.00} Status Account charged off. {$1400.00} written off. {$1400.00} past due as of XX/XX/XXXX. 
XXXX XXXXXXXX XXXX XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance {$190.00} Status Repossession. {$54000.00} written off. {$190.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance - Status Paid, Closed. {$42000.00} written off. 
XXXX XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance {$4000.00} Status Account charged off. {$4000.00} written off. {$4000.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance {$14000.00} Status Account charged off. {$14000.00} written off. {$14000.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX 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 Under dispute Date opened XX/XX/XXXX Balance {$0.00} Status Account charged off. {$250.00} written off. 
XXXX XXXXnder dispute Date opened XX/XX/XXXX Balance {$1800.00} Status Open/Never late. 
XXXX Under dispute Date opened XX/XX/XXXX Balance - Status Paid, Closed/Never late. 
XXXX Under dispute Date opened XX/XX/XXXX Balance - Status Paid, Closed/Never late. 
XXXX XXXXXXXX Under dispute Date opened XX/XX/XXXX Balance - Status Account charged off. {$2300.00} written off. 
XXXX XXXX XXXX  Under dispute Date opened XX/XX/XXXX Balance - Status Open/Never late. 
XXXX XXXX XXXX  Under dispute Date opened XX/XX/XXXX Balance {$0.00} Status Account charged off. {$2400.00} written off. 
XXXX XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance {$1400.00} Status Account charged off. {$1400.00} written off. {$1400.00} past due as of XX/XX/XXXX. 
XXXX XXXX Under dispute Date opened XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts are paid in full and please reflect paid in full {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed late payments on my Experian, XXXX and XXXX credit report and provided proof that the original creditors were contacted, and the late payments remain. Experian, XXXX and XXXX are in clear violation of my rights as a consumer. I sent over a letter received from XXXX on XX/XX/2021 advising that all late payments should be removed and as of today XX/XX/2021, they remain. I sent over a letter sent to me from XXXX / XXXX stating to discharge and remove any late payments and as of today XX/XX/2021, they remain. The below listed accounts have not been resolved and late payments still remain : Account Name : XXXX Late Payments : XX/XX/2021 and XX/XX/2021 Account Name : XXXX Late Payment : XX/XX/2021 Account Name XXXX XXXX XXXX Account Number : XXXX Late Payment : XX/XX/2021 Account Name : XXXX XXXXXXXX Account Number : XXXX Late Payment : XX/XX/2021 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon Review my credit files, it showed a Collection from XXXX in the amount of {$210.00} reappear in my credit files which have already been settled in the past. This account was mistakenly reported by XXXX and I have reached out to settled with the creditor. I have no association with XXXX XXXX as I am a customer with XXXX
Product: Checking or savings account

Hello, I am writing you to file a complaint with Navy Federal credit union regarding. Multiple overdraft fees that I have incurred. Despite having sufficient funds when transactions were authorized I was charged fee due to lagged posting of charges and credits this issue align with the recent CFPB finding against Navy Federal for similar practices where transaction settled with insufficient balances despite initially available funds. I believe its unfair and request an investigation into my transactions. I even told them that I was robbed and they closed my checking account
Product: Checking or savings account

I noticed a fraudulent charges on my Bank of America debit card for the amount of {$370.00} and {$190.00} around XXXX on XX/XX/24. I called Bank of America immediately at XXXX on XX/XX/24. The charge was in still in pending status so I was sure they could easily reverse the charges. I let the bank know it was fraudulent and that I had my physical debit card in my possession as I was at home in XXXX XXXX CA and the charge was in a different state ; so my debit card information was compromised. The fraudulent charge was a debit from XXXX ( home improvement ) at XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX I was physically calling from my home in XXXX XXXX California when the fraud happened at around XXXX. They said they would investigate and that the credit would be put back into my account within 10 business days. I also filed a police report. It is now XX/XX/24 and BOFA closed my claim and never refunded my money back from those fraudulent charges. I reported the fraud less than 24 hours. Someone made a mistake and it was not me. I am not liable for this fraudulent charges.
Product: Checking or savings account

Opened a fee free checking account over 10 years ago and every once and a while Chase makes attempts to steal {$12.00} without even alerting be text or e-mail. They have notified on subsequent occasions that even a theft of as little as {$12.00} is taken seriously. We are concerned they engage in this behavior to seniors and the less fortunate.
Product: Credit card

I purchased tickets for ( {$180.00} ) XXXX XXXX concert on XXXX on XX/XX/year>, with my Bank America card. Once I got there and scan the tickets, they said they were fraudulent. The guy who sold XXXX the tickets done a chargeback with his bank. So, we called XXXX and email them, but they didn't refund our money. The lady at the event told me to contact my bank and tell them that chargeback done by XXXX. after he sold the tickets to XXXX. Looking at XXXX website after being denied my refund this has happened to other customers. There should be something in place once someone sells tickets to venue that they can verify the tickets before they sell them to someone else. 
This was so embarrassing and a waste of gas, time and money. 
I done a dispute with Bank of America XXXX XX/XX/XXXX and they denied the claim as well. 
Bank America Claim # XXXX. I feel the dispute department is not asking right questions and need to dig deeper. They need see who sold the tickets to XXXX and ask the customer to show their proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

Showing as XXXX collections - XXXX XXXX XXXX, XXXX, and XXXX under XXXX servces - XXXX lending solutions, and XXXX these are not my accounts I asked Transunion to verify they stated they did but it it not possible because I never had accounts with them before.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Pleaseremove these files. 
INACCURATE NAME : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Consumer Loan

I originally financed something back in 2009 with Conn 's appliances in XXXX, Texas. When I moved out of state and then had an issue with the product they refused to honor the store bought warranty. They instead deferred me to the manufacturer. 

The manufacturer ( XXXX ) then seized the defective product after recognizing it was fully defective. Since I was no longer in possession of their property any longer I was under no legal obligation to continue paying. However I believe I did pay XXXX more note but that was n't good enough for them. They demanded I turn over the new laptop XXXX custom built for me and the tablet I was also not in possession of at the time as it ( the tablet ) had been bamboozled away from me while in the midst of a XXXX 

They were provided with the name and address of who was in possession of it but refused to go and fetch it. They have now over inflated the amount owed on the account to pad their tax/financial records. 

According to the Texas statute of limitations of debt collections they had a limit of four ( 4 ) years and then to cease any and all collections against my credit in general which they are still attempting to do under the federal guidelines which is seven ( 7 ) years. The limit in New Hampshire where I am now a resident is three ( 3 ) years maximum on installment accounts credit cards etc. 

They are committing credit reporting fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Call several times and the explosion spoke with the supervisor and he told me that the information will be removed and blocked and deleted forever off my reports. Im a victim of identity theft and this is not me. I have police reports Ftc as well.
Product: Credit reporting

There a re two collections accounts on my credit. These are not my accounts.   XXXX   and  XXXX  have both removed them fro m my account. However, Experian will not remove it. I have sent letters disputing this with them. They do nothing. I have asked Experian to provide proof that these inquiries were in fact authorized with an instrument bearing my signature. They can not provide any proof, because my signature was never used for these accounts. They do not belong to me and Experian per section  609 of F RCA must provide the original proof that I signed for these accounts.
Product: Debt collection

Smith, Rouchon and Associates, located in XXXX, MS is constantly harassing me at work. They call my job at least three times weekly. I have sent a cease and desist letter but yet, they continue to call my job. The alleged medical debts that they say I owe is only being reported to XXXX and XXXX. XXXX only has one of these alleged medical debt and Smith, Rouchon and Asso.  continues to " verify '' the debt collection, every time a dispute the item. XXXX has verified all five of the alleged medical bills and will not remove them nor provide me with proof of how they allegedly verified these medical bills. I have also told Smith, Rouchon and Associates that they are in violation of FCRA, FDCPA and HIPPA but the last CSR stated that she do not care and that I better pay or else. I am about to lose my job because they will not stop calling my job!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX / XXXX XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX, WI-XXXX I saw this appear on my credit report. I mailed request for validation by mail ( with tracking number, it was delivered ). They never responded. After the time had past, I contacted XXXX, experian and XXXX, with a certified letter ( with tracking number, it was delivered ) explaining I had requested validation of the debt, as I had no idea what is was, and that the company had no responded. Apparently then the agencies contacted the company and the company told them the debt is valid but it is not. They are in violation of the law. Experian removed the listing from my credit report. However it is still showing up on XXXX as XXXX XXXX and on XXXX as XXXX. I want this removed off my credit report on all three agencies immediately and also a letter from XXXX XXXX  saying I have no debt with them. If they ca n't show me a signature page, or and itemized statement, they have to remove this. It was listed as XXXX XXXX on XXXX XXXX  report and XXXX XXXX on experians report, same address, but i have filed a separate complaint for XXXX XXXX and XXXX.
Product: Vehicle loan or lease

I purchased a XXXX  XXXX XXXX In XX/XX/2021 at XXXX XXXX on XXXX XXXX Florida. Based on the auto insurance declaration page, loan was secured by XXXX XXXX XXXX MD, however I was issued repayment information from Santander Consumer USA. I reviewed the loan agreement and this vehicle ( collateral ) was used to secure the loan instrument. I want a written response as to why the loan payments were requested to go to Santander Consumer USA but the lien holder is listed as XXXX XXXX?
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to supply proof no verifications are being one when accounts are being disputed because of incorrect information. To be more specific, based on FCRA 611 ( a ) ( 2 ) ( B ), they are required to forward all the relevant information I provided by you to the creditor for their investigation of my dispute. According to FCRA 611 ( a ) ( 7 ), they are suppose to supply me with the proof. On XX/XX/23 I sent in a dispute which I have attached. I just received an email update that the dispute was resolved. First off, where are the documents, second off, the results are still wrong. I know this because the account was included in my bankruptcy file # XXXX. They updated my report and the account now says delinquent instead of included in bankruptcy. If this was verified they would have know it was in my bankruptcy. The account is XXXX
Product: Debt collection

I have been served a notice by Transworld Systems, Inc that they are going to collect {$620.00} from me. They state on their letter they are working on behalf of XXXX XXXX XXXX XXXX XXXX and the former creditor was XXXX XXXX. I have never done business with XXXX XXXX XXXX and am not certain what this is about, but due to the former creditor, I suspect it has to do with my time in XXXX, TX. In the fall of 2012, I worked for the XXXX XXXX XXXX XXXX, XXXX, TX and was assigned housing belonging to the school district. When I left the job in XX/XX/2012, I closed out the accounts associated with the housing, including the utilities. I did this in person in their offices. Later, I was notified by the utility that I owed them several months worth of electric bills for a period of time after I had left the premises and was no longer in the housing. I contacted them and let them know that this was not my debt and the problem was they had multiple addresses for the same houses and had mistakenly assigned this debt from another house to me. The assured me at the time they had cleared it up and I have not heard anything more about this issue until now. It is their responsibility of TSI and XXXX XXXX XXXX to verity the accuracy of any efforts to collect a debt before sending out letters such as this. I am notifying the company, in writing, that I dispute this debt and will also notify them that I have filed a formal complaint against them. I have attached a copy of the letter they sent to me.
Product: Credit reporting or other personal consumer reports

I am seeking assistance with a credit issue involving XXXX, which reported a delinquency of {$200.00} on my account that I believe is incorrect. The delinquency arose due to HSBCs failure to update my contact details after I moved, as well as their lack of communication about the account. Despite attempts to dispute the report through XXXX and XXXX, XXXX has declined these disputes, leaving my credit score significantly impacted. 

Additionally, XXXX and XXXX appear to have used personal information without my consent, further complicating the matter. I need guidance on how to resolve this issue with XXXX and ensure the correction of my credit report.
Product: Credit reporting or other personal consumer reports

This is my second-time requesting 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 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/2023 XXXX reported that my prepaid XXXX XXXX  card has a debt of XXXX to XXXX and transunion and a debt of XXXX to XXXX stating the information is correct when I filed a dispute. On XX/XX/2023 I called XXXX to see what was going on to which they stated there is no debt on my account. They wrongfully reported debt to the agencies mentioned then proceeded to give excuses why they would fraudulently report said debt.
Product: Consumer Loan

I took out a loan with XXXX now known as One Main Financial. I fell behind back in XX/XX/XXXX and was offered a settlement amount in XX/XX/XXXX. The settlement offer stated if I paid {$3400.00} by XX/XX/XXXX that One Main Financial would report the account at a {$0.00} balance and settled. I have kept a copy of the cashiers check and letter. To date XX/XX/XXXX my credit report still does not reflect the change. I have disputed it numerous times and contacted One Main Financial directly numerous times only to be given the run around. I was recently denied credit because of this account. I do not know what to do at this point short of hiring a lawyer.
Product: Debt collection

XXXX XXXX data breach leaked my information on XXXX XXXX Found out about account 1year later and let company know case was won proven XXXX identity theft on my information case closed XX/XX/XXXX. 
Capital one credit card was opened XX/XX/XXXX amount {$200.00} Never opened any account with them filed case with XXXX XXXX XXXX for lawsuit against XXXX data breach and information got leaked twice while case was ongoing.