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

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, 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 or information 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. Please block/remove these files. XXXX XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/2022 XXXX XXXX XXXX XXXX XXXX FL XXXX Date Updated : XX/XX/2022 XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XX/XX/2022 XXXXXXXX XXXX XXXXXXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX CA XXXXXXXX XXXX XXXXXX/XX/2022 XXXX XXXX XXXX XXXXXXXX XXXX XXXX, OK XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$110.00} ; XXXX XX/XX/2022. 
If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to freeze my credit file with TransUnion in order to protect my identity because TransUnion and other credit reporting agencies can not be trusted to keep my information secure. While attempting to freeze my account with TransUnion I am repeatedly, both over the phone and on their website, told I am required to pay {$5.00} to freeze my credit file. This is in direct violation of Colorado State Law and TransUnion knows this is the case, as they display the information on the following website. 

https : //www.transunion.com/XXXX For the record, I have never wanted TransUnion or any other credit reporting agency to control and exploit my personal and financial information for their own personal gain. I think it is absolutely ridiculous that these companies are able to leverage my information for their personal gain and are not even required to protect the data I do n't want them to have in the first place.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, conversion account number XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and fraudulent inquiries from XXXX, XXXX XXXX, XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A states I have rights to privacy. 

15 U.S.C 1681 section 604 A section 2 also states a consumers reporting agency can not furnish an account without my written instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have these accounts listed on my credit report that are not mines and was open based off fraud. I have even filed and fraud complaint with the FTC and provided this before to the credit reporting company. I have contacted the companies and they have yet to respond. XXXX XXXX, XXXX - Opened XXXX, should be also deleted since it is seven years old.
XXXX XXXX XXXX, XXXX - Opened XXXX XXXX XXXX XXXX, XXXX - Opened XXXX XXXX XXXX XXXX XXXX account was used to commit fraud and I even filed out a ID theft complaint sent to me by XXXX XXXX XXXX XXXX. <P/> These XXXX accounts below on my XXXX are not mines. I have disputed them before. XXXX XXXX XXXX - {$53.00} XXXX XXXX XXXX - {$5900.00} The inquires by XXXX XXXX on my Equifax and XXXX I did not authorize and have contacted XXXX XXXX and they told me to dispute with credit reporting companies. <P/> XXXX XXXX XXXX XXXX Opened XXXX XXXX - is reporting on my Equifax report as a Charge-off and that is incorrect. The dealer vided the contract and this should not be on my credit report. <P/>
XXXX XXXX XXXX account - Opened XXXX XXXX, is paid in full.
Product: Credit reporting or other personal consumer reports

I am writing to contest and to dispute the inaccurate reporting of an account on my credit report. Upon contacting the respective company, it was confirmed that an error occurred. Furthermore, assurances were provided over the phone that the account would be promptly updated. 

XXXX XXXX. 

Your bureau is legally obligated to conduct a reasonable investigation of disputes. This investigation must be prompt and must include a review of all relevant information submitted by the consumer, such as myself. 


XXXX and XXXX have already corrected the inaccuracy of the account from my report and so I request that you take immediate action to update this erroneous account. A written confirmation of its correction would be greatly appreciated.
Product: Mortgage

THIS SERVES AS XXXX ADDENDUM TO COMPLAINT FOR XXXX. AS STATED WE WERE VERY INTERESTED IN THIS PROPERTY HOWEVER, AFTER AN EXTENSIVE INVESTIGATION WE COULD NOT UNDERSTAND WHY THIS HOME IS BEING SOLD FOR THE XXXX TO XXXX TIME AT AN EXTENSIVE PRICE POINT. IT APPEARS COMPASS BANK NOW PNC HAS REFERRED THIS HOME TO XXXX FOR SALE. THIS HOME HAS BEEN PAID OFF AT LEAST 5 TIMES DUE TO THE MORTGAGE FRAUD. IN ADDITION, XXXX WAS ON THE HOMW SO THE BANKS WERE PAID. SO WHY IS THIS PROPERTY NOT BEING SOLD AT THE MINIMUM, PRICE POSSIBLE OR GIVEN AWAY. THE HOME HAS BEEN ABANDONED FOR OVER 1 YEAR. WE CONTACTED THE BANK DUE TO A MUCH NEEED TRANSITION, HOWEVER THEY WERE NOT COOPERATIVE. I THINK IF I RECEIVED A CALL FROM AN INTERESTED PARTY NOTIFYING THEM OF THIS ISSUE I WOULD GIVE THEM THE HOME FOR PENNIES, PAY FOR THE CLOSING COST, TAXES, PROVIDE A FULL WARRANY DEED AND A XXXX TITLE VERSUS BEING UNDER INVESTIGATION FOR FRAUDULENT PRACTICES, THIS REALTOR IS REALLY SHADY. IF PNC IS NOT XXXX BANK WE APOLOGIZE, HOWEVER IT'S STATING ONLINE PNC IS THE BANK PROVIDING THE MORTAGE. 

THIS COULD HAVE TAKEN EVERYONE INVOLVED OUT OF THE LIABILITY ZONE, THEY GAVE LIED ABOUT THE ENTIRE BACKGROUND ON THE HOME. IT ; XXXX BEEN SITTING FOR OVER A YEAR, INDIVIDUALS HAVE MOVED IN AND OUT THE HOME LONG ENOUGH TO TAKE OUT FRAUDULENT MORTGAGE WHICH APPEARS TO BE AN INSIDE JOB AND ABANDONED THE HOME. THIS HOME IS A XXXX HOME. 

IT NEEDS TO BE PULLED FROM XXXX IMMEDIATELY! THIS IS SCAM! 
COMPASS REALTY APPEARS TO BE A SUBSIDIARY OF PNC BANK. NAME SWITCH! WOW THIS IS THE SAME SCAM WE WERE VICTIMS OF!
Product: Vehicle loan or lease

I chose to buy out my lease. My wife sent US Bank a personal check for the agreed upon price plus state taxes. Just over thirty thousand dollars. The check was cashed. Two days later the funds were returned. As soon as I noticed the returned funds I called US Bank. The associate I spoke to told me that the check was not signed and I needed to send a new check. I called my wife and told her we made a mistake and we need to send a new check. She replied by sending me a picture of the check written out perfectly. So I then called US Bank back to question what was wrong with the check. I was told by a bank employee that I needed to sign the front and endorse the back of check and overnight the new check to US Bank. I asked to speak to a supervisor because Ive never heard of endorsing a check that I wrote and I was worried about US Bank having two checks equaling {$61000.00}. The employee told me that no one was available to talk to me and someone would call me back. I called back to talk to someone new and after much questioning was told to write new check properly and mail it to US Bank. I still wanted to talk to a supervisor so I waited for my callback. Two days later I still had no response. My wife called our bank and they said I should send a bank check there is no way US Bank can not except it and they would send it for us. The bank check was taken out of our account and mailed to US Bank. The bank check was signed for by US Bank the next day. I called about a week later to make sure all was well. I was told my account was closed and I should expect the title for my vehicle in the mail. That day the title arrived. Everything seemed good. Until my wife and I are on vacation and my wife goes to a pharmacy and trys to pay for her products to find her card was declined. How embarrassing! Come to find out US Bank cashed the first check we sent for a second time and overdrew the account. I called US Bank immediately in a panic. After a long conversation I finally spoke to a manager who told me that nothing can be done until Monday. She told me an investigation would be started Monday morning. When I called Monday no one knew anything about my issue and nothing has been done but was assured that someone would look into it. As I am writing this it has been five days and they still have not resolved the problem. Every time I call its a struggle to talk to someone who knows anything about my problem. My wife and I are both very busy and finding it difficult to work a deal with this problem. I have to repeat my nightmare story every call. Ive had to give my social security number to so many people Ive lost count. We are scared this is going to effect our lives greatly.
Product: Credit reporting, credit repair services, or other personal consumer reports

An accommodation includes any payment assistance or relief granted to a consumer who is affected by the XXXX pandemic during the period from XX/XX/2020, until 120 days after the termination of the XXXX national emergency declared by the President on XX/XX/2020 under the National Emergencies Act.1 Such an accommodation includes, for example, agreements to defer one or more payments, make a partial payment, forbear any delinquent amounts, or modify a loan or contract.2 An accommodation includes assistance or relief that is granted voluntarily or pursuant to a statutory or regulatory requirement. 
This statement from the cares act clearly states that payments during the XXXX national emergency would have accommodations. My late payment was reported XX/XX/2020 My payment was missed in XXXX. this is well in the 120 days of XX/XX/2020. 
XXXX XXXX is in violation of the cares act but not giving me accommodation. 

I will attach the email sent to them informing my situation.
Product: Credit reporting or other personal consumer reports

I tried to log in to my Experian account but found that my email address and phone number have been changed to someone else 's, and therefore I'm unable to verify my identity and complete login to access my account. I have tried to call multiple support phone numbers to report this issue to Experian and have been unable to reach a specialist. At this juncture I'm not able to access my account, which includes sensitive information such as my credit report and social security number, as well as the ability to place and lift credit freezes.
Product: Debt collection

Hi, On or about XX/XX/2012, I was assisted by XXXX XXXX XXXX XXXX, ( located at XXXX XXXX XXXX XXXX, XXXX XXXX, Ca XXXX ) and later received a bill for {$680.00} for their service. The phone number I used to inquire about this belongs to their billing administrator, XXXX XXXX, XXXX, and it is ( XXXX ) XXXX I never paid the above bill and it was then turned over -- possibly sold -- to a collection agency by the name Fidelity Creditor Services ( located at XXXX XXXX XXXX XXXX, XXXX, CA XXXX, phone number ( XXXX ) XXXX ) I noticed that Fidelity Creditor Services had applied an interest charge to my original debt of {$680.00} ( something not done by XXXX XXXX XXXX ) and it now stands at a whopping {$1100.00} The above figure of {$1100.00} is a total of almost 70 % above my original bill from XXXX XXXX XXXX. 

Can they do this? Medical bills are hard enough to pay without a grotesque amount of interest added on to them!
Product: Student loan

I have paid my XXXX XXXX private loans for years upon graduating. Recently, I had a baby and in order to work full-time, I had to arrange for daycare. This inevitably ate up any money I had at the end of the month on top of all my basic daily living expenses. 
I have been unable to pay my private student loans because they will not lower the payment amount and I can not afford to pay them {$300.00} a month for interest-only payments. They will not offer me any program and have actually bad-mouthed me on the phone in terms of my choices. I offered to pay them {$100.00} but they refuse to accept this even after I forebear the loans XXXX. Even with interest only payments, I will be paying these loans forever, I will never be able to finish paying them which only makes the future bleak.
Product: Checking or savings account

Navy federal charged me overdraft fees even tho they should not have. They never tried to work with me.
Product: Money transfer, virtual currency, or money service

I would like to discuss a concern with XXXX XXXX ID # XXXX who stated my account had been hacked by a XXXX. XXXX XXXX instructed me to purchase XXXX {$500.00} XXXX gift cards, XXXX {$500.00} XXXX gift card and XXXX Bitcoins ( {$2900.00}, {$1300.00}, and {$2900.00} ). I was instructed that they would open another savings account and I would never be hacked again. The account was never opened.
Product: Student loan

I feel very misled with the student loan information. I originally was with XXXX XXXX and then consolidated with Navient. At the time, it was presented as my only option. I think this was a very ill guided counselor who put me in this situation. It has caused unreal anxiety over the years with a sense of a never ending cycle of debt. I was quickly and easily presented the forbearance option when I called with financial concerns. I was not presented ramifications for the future. I finally was presented an income sensitive option after running about of forbearance time. Again, I feel like the counseling led to this path and I did not know it would disqualify me for my XXXX payments. No one ever told me about a qualifying payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I contacted the following credit bureaus : Equifax, XXXX  and XXXX. Each bureau was notified that the following accounts being reported to my credit file doesn't belong to me and is false information being reported and should be removed immediately from my credit report. I've filed identity theft with local and federal law enforcement agencies as well in regards to this matter. The following accounts are being reported to my credit report and are false : XXXX   loans {$96000.00} Auto loan {$15000.00} Collections {$880.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  Accounts XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX 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. States a consumer reporting agency can not furnish a account without my my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting incorrectly to Equifax ; XXXXn and XXXX  a collection in the amount of {$1400.00} on the XXXX partial account number XXXX. ( Please see page 14 of the attached credit report. ) I had service with XXXX and at no fault of my own, the company decided to move its tower to a different location. After the move there was absolutely no service in my area. It was non-existent. I spoke with a representative from XXXX and they said because of the companys decision to move the tower, and with this affecting my service, they would let me out of my contract. They did not honor their word. Now XXXX has since sent me to collections. I do not owe this. This incorrect reporting of a collection is harming my credit score and this line item needs to be removed from my credit report. I have contacted XXXX and the bureaus to fix this, however I have not been successful.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I had lost my job several years ago and was unable to make my mortgage payments. I am XXXX years old. We tried to request loan modification but we were denied because I do n't have sufficient income. I only earn social security income. The mediation was denied in XXXX 2014. Foreclosure sale was scheduled for sometime in XXXX 2014 so I needed to do a BK XXXX. The debt was discharged. there was a junior lien with XXXX and also the XXXX. I have continued to receive correspondence from SPS that does not pertain to my particular situation. Since I was not approved for HAMP or HARP I moved out of my condo. I have continued to receive notices and when I call they say the account has been referred to an attorney. in XXXX I sent SPS all the information they needed including fax numbers and addresses for the junior liens because I wanted them to do a Deed in Lieu. SPS never did anything about it. Today i finally spoke with someone at SPS called XXXX XXXX ( XXXX ) who said things could have been handled better and that mistakes have been made with uploading my documents to their system. This delay has caused my deed in lieu to be delayed and so I continue to be harassed by correspondence that does not relate to my situation. the resolution to this account should be deed in lieu or foreclosure but they continue to send me notices that I owe money. this has caused me stress and I have moved out of the condo and just want to have my name off the deed so i can move on. sps had the sheriff knocking at my door so i moved out in XXXX and now they are still harassing me. at XXXX i can not live this way. i want them to do their job and continue with the deed in lieu and stop harrassing me. sps noted that they didn not handle my account correctly and did not upload the documents i sent them correctly which caused them to send me more and more threatening letters. i need this to stop.
Product: Credit card

I received a call from citi stating that i had opened a credit card with them and I told them I had not so on XXXX XXXX, 2016 I sent them a letter requesting that they provide me with validation persuant to FDCPA meaning competent evidence bearing my signature showing that I have ( or ever had ) some contractual obligation with them and they did not provide this information. I also explained to them that any negative mark placed on my credit report for a debt that I did not owe was a violation of the FDCPA sec 807 { 15 USC 1962e } : and I gave them 30 days to validate or delete this account and they did not nor did they mark it as disputed as required by the FCRA. I then sent them a second request on XXXX XXXX, 2016 to validate and provide proof of this account and to this day they have not done such they sold this account to a collection company called XXXX XXXX and I sent them a cease and desist letter because I do not have a financial obligation with them and they can not provide me with a signed contract stating that i owe this debt. I am requesting that CITI remove this account immediately from all XXXX credit bureaus ( XXXX, XXXX and XXXX ) as i have requested validation of this account and they are both unable to and unwilling to provide me with the proof that I am requesting, I am keeping records of my transactions with them and am willing to take them to court and file a defamation and a reporting of inaccurate information case in both federal and state court.
Product: Student loan

I applied for a forbearance XXXX XXXX ago to avert default on my loan. They have still yet to respond yo my request. I called snd sat on hold for several hours and never had my call answered.
Product: Credit card

I went to the denist on XX/XX/XXXX and charged XXXX to my care credit. I have had this card for a couple years. I guess it was a promotional purchase and I had XXXX  years to pay off. I did not know that. On XX/XX/XXXX I made my payment and I don't see anything. On XXXX payment comes around I notice an interest charge for XXXX. 
I called and they said I owed XXXX on my promotional purchase and I was XXXX day out of the grace period. I was charged XXXX percent interest on the XXXX each year. 
The representative went on to tell me I have to call and tell them to add my money on what promotional purchase I have. I was not aware I even had promotional purchase. I thought it was all standard. Why does care credit have autopay, online pay, and automated system to pay if you have to call and tell them where your payment should go.. I never got any email stating I have XXXX dollars to pay by XX/XX/XXXX or I would have to pay XXXX dollars. I feel taken advantage of! I thought the promotional purchases were just when I opened the card up
Product: Debt collection

As you can see from these emails, they are almost 1 year old. After this mix up from the sender, I received a large bill for storage fees. This bill went to XXXX as it was solely their responsibility. They admitted and accepted the bill. 
Now, after 1 year, out of nowhere I have been sent to collection for {$790.00} from XX/XX/2018. XXXX. Account XXXX Ref XXXX I  received no notification, no warning, zero explanation. I merely accepted some sample wine as a gift. I not pay for merchandise. I had no business invested in this.
Product: Checking or savings account

I bank with Navy Federal and my payroll direct deposit has not shown up in my account this morning. It has been reported that there are others experiencing the same issue. My wife actually had the same issue happen to her with Navy Federal a month or two ago. Navy federal has released a statement this morning saying that the funds are there but that we just can not see the deposits. That is not true ; the funds are not available. Their contact phone number is not working currently.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been of victim of Identity Theft. I did not Authorize anyone to Open any Accounts Using My personal information