23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We had Hurricane XXXX damage XX/XX/XXXX and Ditech was our mortgage servicer until XX/XX/XXXX and now its XXXX XXXX XXXX. Ditech held the insurance funds and would reimburse us as we submitted receipts of repairs. However they cut a check XX/XX/XXXX to us and our roofer even though the roofer had been paid in full. I called to let them know this should have been paid only to us and at my expense I overnighted the check to Ditech. They as if today never forwarded those funds to XXXX which by law should have been sent within 30 days of XX/XX/XXXX and today is almost 4 months. Ive called Ditech multiple times and submitted a complaint online and all they tell me is to call the new mortgage servicer XXXX. I have contacted XXXX and they NEVER received the funds to disperse to us and Ditech will not tell me the status of the check that I returned. This is unethical and unlawful way to do business. We can not afford a lawyer as being displaced for over a year while in good faith paying every mortgage payment plus utilities at 2 places and still trying to get our home back together - we need help.
Product: Checking or savings account

Bank of america is withholding my deposit causing me to have overdraft cost. And delaying time for me to pay my taxes and buying materials for work
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following has violated my rights. 
XXXX XXXX XXXX XXXX Acc # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, De XXXX XXXX XXXX XXXX XXXX Acc # XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX  Acc # XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX 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 with out my written instructions
Product: Credit card

Account does not belong to me victim Im a victim of identity theft I never opened this account and I am not aware of this address on file
Product: Credit reporting, credit repair services, or other personal consumer reports

Good morning : I notice several inquiries that I have no knowledge of the inquiries consumer report. It seems that these alerts are inquiries. I didnt not give any consent to anyone. Pursuant to 15 U.S.C. 6821 - Privacy protection for customer information of financial institutions. I am allowing no more than 3 business days for this to be removed and cleared up. I dont know what is going on. I am proceeding to litigation if this matter isnt resolved. I am exercising my rights as a consumer and a natural person. I am demanding that this matter is resolved no later than Friday. I am enforcing that remedy in the amount of {$2000.00} is sent to me as to my rights of privacy has been violated. This is insane. Please mail a check in the amount of {$2000.00} due to the fact of my privacy being violated. XXXX XXXX, Bank Of America, XXXX XXXX.
Product: Student loan

Nelnet had over charged me for classes I didn't take and the XXXX XXXX XXXX XXXX had closed down in XXXX and XXXX XXXX University online had put me on academic probation whend I was a student there from XX/XX/XXXX to XX/XX/XXXX i called the academic admissions advisor about that and he told me i had to right a letter because i told him i had to withdraw because i two family emergency two of my uncle had died and i was unable to go back to class and to finish school as i explained in the letter but the academic probation at XXXX XXXX University online denied my letter and they still charged me for classes i didn't take and whend i was a student there the teacher and professor or not didn't help me finish up my semester.
Product: Debt collection

I am submitting this complaint regarding a fraudulent debt reported by Opportunity Financial ( creditor ) under account number XXXX. I was never notified about this debt via mail, nor was I given the opportunity to dispute it, which violates my rights under multiple federal laws, including the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Truth in Lending Act ( TILA ). 

Details of the Violations : 1. Failure to Provide Notice ( FCRA Violation ) : Under 15 U.S.C. 1681g of the Fair Credit Reporting Act ( FCRA ), I am entitled to written notification of any adverse information reported on my credit report, including details about the alleged debt. Opportunity Financial failed to provide me with this notice, depriving me of the opportunity to dispute the debt, which is a violation of my consumer rights. 
2. Fraudulent Debt Reporting ( FCRA Violation ) : The debt in question is fraudulent. Under 15 U.S.C. 1681c-2 ( a ) ( FCRA Section 605B ), no entity has the right to report information related to identity theft or fraudulent activity on my credit report without my permission. I did not authorize this debt to be reported. The fact that it appeared on my credit report without proper validation or authorization is a violation of my rights under the FCRA. 
3. Failure to Validate the Debt ( FDCPA Violation ) : Even though Opportunity Financial is a creditor, under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), they are required to validate any debt upon my request. I have not been provided with sufficient proof of the alleged debt, which violates this provision. 
4. Violation of the Truth in Lending Act ( TILA ) : Under the Truth in Lending Act ( 15 U.S.C. 1601 et seq. ), creditors are required to provide clear disclosures of all terms associated with a loan or credit agreement. In this case, no such disclosure was provided, further supporting that the debt is fraudulent. The failure to provide the required disclosure documents violates TILA regulations. 
5. Unfair, Deceptive, and Abusive Acts or Practices ( UDAAP Violation ) : Under the XXXX XXXX XXXX XXXX  and Consumer Protection Act ( 12 U.S.C. 5531 ), creditors are prohibited from engaging in unfair, deceptive, or abusive acts or practices ( UDAAP ). Reporting a fraudulent debt without providing proper notice or validation constitutes an unfair and deceptive practice, causing harm to me as a consumer.
Product: Debt collection

On  XXXX / XXXX /17 the debt collector called a family member with out my permission. They also contacted a friend of mine on  XXXX / XXXX /17. AGAIN WITH OUT MY PERMISSION! They should only call my cell, which is the only number first given. The amount for my debt is about 700.00.
Product: Credit reporting or other personal consumer reports

Dear TransUnion I have recently checked out a copy of my credit profile and unfortunately, it has come to my attention that some of my personal information is incorrect. If you would please so kind as to delete this inaccurate information from my credit profile within the next thirty days, I would greatly appreciate it. Its my understanding that you have up to thirty days to follow through on my request so if I dont receive any updates from you within that time frame, then I know that these inaccuracies must be removed automatically. Ive listed the details on my personal information in which you are inaccurately reporting and must remove right away. Please see below : My name is XXXX XXXX XXXX XXXX. I do NOT have any requisite OTHER NAMES or aliases and I do NOT desire any OTHER NAMES or aliases to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 


My current and only address is XXXX XXXX XXXX XXXX  CA XXXX I do NOT have any requisite OTHER CURRENT addresses and I do NOT desire any OTHER ADDRESSES to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 

XXXX XXXX : Account number : XXXX, Please remove it from my credit report. 


My SSN : XXXX You are not authorized to report my Social Security Number on my credit report or sell any information containing my Social Security Number to any company. Reporting my social security number on my credit report arises a safety issue and opens me up to potential identify theft. Immediately Delete any and all social security numbers that your company is reporting on my credit report. 

My date of birth is XXXX : XXXX XXXX XXXX I do NOT have any requisite OTHER Dates of Birth and I do NOT desire any OTHER Dates of Birth to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 

I do NOT have any requisite telephone numbers and I do NOT desire any telephone numbers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 


I do NOT have any requisite employers and I do NOT desire any employers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 


I do NOT have any requisite spouses/ roommates/ co-applicants and I do NOT desire any spouses/ roommates/ co-applicants to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 


Thank you, in advance, for honoring my requests. I would like an updated version of my corrected profile as soon as you have deleted the inaccuracies Ive listed above. 


Sincerely, XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 I discovered that I am victim of various financial fraud. All of my personal bank accounts were compromised. I contacted PNC bank as soon as I could positively identify which transactions were fraudulently induced. They have issued me a credit of {$5000.00}. However, there were other wire and XXXX transactions that was fraudulently induced as well that PNC bank decided not to return to me of {$75000.00}.
Product: Consumer Loan

Had a title loan with Wilshire/WestLake financial paid down the intereste over 5 years. We were told we could now pay down only the principle 19 %, instead of the 98 % prior. 

After we made one payment in XX/XX/2016, on the principle, they wou not answer their phones and months later said they did not make that deal with us and said we had a ballon payment of {$1900.00} or they would repossess the car.. They did repossess the car, and we had to rent one throughout XX/XX/2016 Costing us over {$1000.00}. The car is still in reposession and has not been sold.
Product: Credit reporting or other personal consumer reports

I have been in a long battle with my landlord who was stealing my mail, and inevitably apparently stealing my identity in the process. After reporting the incident to the XXXX XXXX XXXX XXXX, Office of Inspector General, and XXXX Police Department I then alerted the credit bureaus of my change of address AND information that was incorrect on the report and needed to be blocked pursuant to 15 U.S. Code 1681c2.

I attempted to upload the documents to Equifax but their online system gave an error that I wasnt eligible to upload documents. I then called their Consumer Relations department on XX/XX/2024 and spoke with a representative, XXXX, who recommended that I send in a cover letter, Proof of ID, Social Security Card, Bank Statement, and Utility Bill to change the address. I was also told to send an FTC Report as well as a Police Report to remove the fraudulent accounts. 

These documents were sent at my expense- despite the fact that any other consumer could upload the documents for free - via XXXX Mail with Tracking XXXX and delivered XX/XX/2024 at XXXX. 

Equifax does not appear to be taking prompt action within the timeframes set for blocking of information. Additionally, despite removing OTHER items that were reported as XXXX by XXXX to them, they are not taking action to the items now that XXXX has deemed them all fraudulent and worthy of blocking under 15 U.S. Code 1681c2. 

XXXX continued incompetence in this matter is creating undue damages and financial hardship. 

Attachments included are all documents referenced in this narrative.
Product: Debt collection

On XX/XX/XXXX I sent a certified letter # XXXX to XXXX XXXX XXXX requesting verfication/ validation of this alleged debt of {$2300.00}. I received notice on XX/XX/XXXX that letter had been received by XXXX XXXX XXXX. I have received no response as of this date from this company. I placed a call on XX/XX/XXXX and spoke with XXXX and was told to contact original creditor because they had no information on this debt in their office. I requested that she send me that statement in writing within 5-10 business days. I have not received that letter and this debt is still being reported negatively on my credit report as of this date. I have no knowledge of this account, and have not signed a contract of any kind with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT. 
Incorrect Address : XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit card

I am writing to file a complaint regarding the unauthorized closure of my Bank of America credit card account. Despite paying off the full balance, Bank of America closed my account without notice or explanation. After satisfying the full balance, I was surprised to find that Bank of America had closed my credit card account without my consent or prior notification. This action has negatively impacted my credit score and caused inconvenience.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is incorrectly reporting that I am ( 90 ) days late on the XXXX/XXXX/XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX XXXXXXXX {$11000.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$19000.00} XXXX XXXX XXXX XXXX {$4900.00} XXXX XXXX XXXX {$550.00} XXXX XXXX XXXX XXXX XXXX {$470.00}
Product: Credit card or prepaid card

Citi AAdvantage charge me with XXXX XXXX ticket amounting to {$770.00} each for 4 persons last XXXX XXXX. This is a new credit card for me which I used for the first time to purchase airline tickets but when I used it, the card got declined, so, what I did was to use another credit card which was my American Express card and with that I was able to purchase the airline tickets that I want. Citi sent me an email that my card was declined they couldn't process the charge because I've met my temporary spend limit. Then, after a month Citi sent me a bill amounting to {$2700.00} which is equivalent to the 4 tickets that was declined in the first place. I called them and they instructed me to file a dispute which I did filed back in XX/XX/2023, every month they would send me a bill but by XXXX they deducted the amount of 2 tickets only. So I followed up with them again as to why only 2 tickets was credited and not all 4, they said they will follow up with XXXX XXXX. The last time I called to follow up was this month because aside from the bill each month their account section is also calling me everyday, I told them to coordinate with dispute department about this because it's affecting my credit score but until now I haven't heard of their response, it's frustrating because it's been 6 mos already and this haven't been settled yet.
Product: Debt collection

After reviewing my credit report, I found several accounts that seem to have been added without my knowledge. I request that these accounts be investigated and removed from my report promptly.
Product: Mortgage

In XX/XX/XXXX I purchased my home with an 80 % loan to value HELOC from Washington Mutual. In XX/XX/XXXX I REFINANCED that HELOC with a new 80 % loan to value HELOC from Washington Mutual. The original purchase HELOC was never RECONVEYED after being paid off and closed. It still shows as a lien on my home. Chase has attempted to foreclose on a lien that should have been RECONVEYED, but was never RECONVEYED. Chase says my home is overencumbered by over {$100000.00}. My refinance loan in XX/XX/XXXX was an 80 % loan to value loan. There should be no possibility of my home being overencumbered.

I quit paying on my HELOC in XX/XX/XXXX, when I realized Chase had a fraudulent lien on my home. I attempted to have them remove it. They would not resolve the issue. I hired an attorneys office in XX/XX/XXXXto attempt to do a short sale on the home because I can not afford a home that is overencumbered by {$100000.00}. I had three different offers on the home between XX/XX/XXXX, and XX/XX/XXXX at the appraised price of {$320000.00}. Chase never agreed to do a short sale. OnXX/XX/XXXX, Chase canceled my short sale, and applied a credit of XXXX to the actual loan that should exist on my home. They sent me a letter saying my short sale was canceled because I had ( approximately {$100000.00} ) equity in my home, and a short sale was not necessary. Meanwhile the fraudulent lien was to be auctioned on the courthouse steps a few days later in foreclosure. On XX/XX/XXXX, After I was credited {$210000.00}, and told by Chase that I had equity in my home, I paid Chase {$13000.00} to bring the loan current that was headed to the courthouse steps in foreclosure. On XX/XX/XXXX, Chase charged my account {$210000.00}, bringing the entire situation back to square one. I paid them {$13000.00} in good faith that the situation had been resolved. After I gave them the money, they defaulted on the promise they had made to me by crediting my account {$210000.00} and telling me I had equity in my home. Chase is holding me and my house hostage with a fraudulent lien, that they promised to fix and then reneged after I paid them {$13000.00} in good faith.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN, XXXX, AND XXXX have commited identity theft on my personal credit report by being deceptive. Fraud is deceptive. Deception means you are giving an appearance on something that is misleading. According to the FCRA, 15 USC 1692e, you can not use any deceptive/misleading representation. These practices can not be utilized on my credit report for PRIVACY. It is DECEPTIVE, because Experian, XXXX, and XXXX are telling my private information to the public people without my consent. I have private information being publicized. A consumer reporting agency can not furnish anything unless it was initiated by the consumer, which is myself. Which I never authorized them, resulting in deception! 15 USC 1681b ( c ) ( 3 ), 15 USC 1681d ( 1 ), 15 USC 1681m ( d ) ( 1 ) ( D ) the consumer has a right to prohibit information contained in the consumers file with any consumer reporting agency from being used in connection with any credit or insurance transaction that is not initiated by the consumer ;, 15 USC 6802 ( e ) ( 2 ) go in further detail of how I've been deceived. These accounts are deceptive, they are breaking my privacy rights and need to be removed! 

Not just that, but they are reporting inaccuracies throughout my consumer profile!! According to the FCRA, everything has to be reported accurately. 15 U.S.C. 1681i 55 ( e ) Treatment of Complaints and Report to Congress ( 1 ) In general. The Bureau shall ( A ) compile all complaints that it receives that a file of a consumer that is maintained by a consumer reporting agency described in section 603 ( p ) contains incomplete or inaccurate information, with respect to which, the consumer appears to have disputed the completeness or accuracy with the consumer reporting agency or otherwise utilized the procedures provided by subsection ( a ) ; and ( B ) transmit each such complaint to each consumer reporting agency involved. 

These accounts are deceptive and inaccurate : XXXX XXXX : acct. number : XXXX XXXX, EXPERIAN XXXX XXXX XXXX : acct # XXXX XXXX EXPERIAN- XXXX XXXX XXXXXXXX  : acct # : XXXX XXXX XXXX : acct # : XXXX XXXX AND XXXX online in sv : acct. # : XXXX XXXX AND XXXX- online in sv : acct. # : XXXX XXXX AND XXXX- online in sv : acct. # : XXXX XXXX AND EXPERIAN XXXX XXXX XXXX XXXX : acct. # : XXXX XXXX XXXX EXPERIAN XXXX AND XXXX- XXXX XXXX XXXX acct. # : XXXX XXXX XXXX EXPERIAN XXXX AND XXXX XXXX XXXX XXXX : acct. # : XXXX XXXX AND EXPERIAN XXXX XXXX XXXX acct. # : XXXX XXXX AND EXPERIAN XXXX XXXX XXXX : acct. # : XXXX XXXX AND XXXX XXXX : acct. # : XXXX XXXX- XXXX : acct # : XXXX XXXX XXXX XXXX XXXX : acct XXXX XXXX XXXX XXXX NO CREDITOR NAME : acct # : XXXX XXXX NO CREDITOR NAME : acct # XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX of this year TransUnion created a credit report on me that was erroneous on TransUnion part. TransUnion has admitted their error. 

By law TransUnion is required to notify any and all parties that may have accessed my credit report. 

TransUnion has failed to do so. TransUnion has not followed the law. 

TransUnion has failed to return calls. 
TransUnion has failed on many fronts.