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

This is my sixth letter submitted to you informing you that I am a victim of identity theft and I complain to question this items in my file occurred because of some negligence. The data I am questioning connect with no exchanges receiving any possession of goods, services, or money that I have made or approved. Assuming no one cares either way, impede the noteworthy of any information in my credit file that surfaced due to alleged fraud : XXXX XXXXXXXX Balance : {$7500.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XX/XX/2020 ; XXXX XXXXXXXX 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

I sent a letter to the 3 Credit Bureaus requesting to reinvestigate the disputed items from my credit report as well as update the items from my report during the investigation period. As of this date, they have failed to respond to my request. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX  {$25.00} XXXX XXXX XXXX XXXX XXXX XXXX {$2800.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$560.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$270.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1100.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$7600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$330.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I was scammed in a fake check scheme. On XXXX, I was contacted and told I would receive {$500.00} to be this painters muse. They sent me two checks through email, one of {$1500.00} and one of {$2000.00} ( totaling {$3500.00} ). They told me to XXXX some vendors, for the costs of supplies and the like. 

After I had done so, keeping the {$500.00} I was told was mine, the checks came back as fraudulent and I blocked contact with the scammers. After some research, I immediately contacted my bank and went through the process of filing different claims. 

My bank, Truist, told me because this was an authorized transaction ( i.e. done with my knowledge ), they would not reimburse me for the now negative balance of {$3500.00} in my account. 

My account is now frozen and Im set to travel in less than a week to a foreign country. I desperately need my money back and just want this to all be over. Any help is greatly appreciated.
Product: Credit reporting or other personal consumer reports

Un-authorized 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: 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. I told XXXX, XXXX XXXX equifax to reinvestigate these accounts, however, they stated everything was complete and accurate, but how is that possible if the open date, date of last activity and much more is incorrect. 

The accounts below have violated my rights. 
15 U.S.C 1681 section 602A. 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 ) ( a ) 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. 


I amwriting to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. 
Please delete this items as soon as possible.
Product: Debt collection

Barclays Bank has stated that I owe {$950.00}. This amount is inaccurate. I filed a claim with the FTC that Im a victim of identity theft. They not attempted to help me resolve this issue.
Product: Credit card

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days late as of XXXX 2014 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting or other personal consumer reports

Please check the documents I've sent as there are still inaccurate accounts on my credit report.
Product: Mortgage

Freedom Mortgage stated my home hazard insurance was expired very soon after taking over servicing of my mortgage. This was inaccurate as my insurance was paid at settlement just a couple months earlier for a full years term. Freedom has all my insurance information and is scheduled to pay the insurance out of escrow. Instead of verifying with the insurance company they automatically took out a more expensive policy and said I had to prove I still had insurance. The request came from a third party that was not Freedom mortgage and not using Freedom mortgage websites or phone numbers, so it appeared to be a scam. After I verified the insurance, Freedom mortgage rescinded the additional insurance. Reports from other Freedom mortgage customers on the internet report this is standard practice for Freedom mortgage even though they can verify customer 's insurance. This practice appears to be a deceptive trade practice by the mortgage company to try to get additional money out of their customers and put the burden on customers instead of verifying the insurance with the data they already have on file.
Product: Checking or savings account

My Ally bank account keeps getting hacked, which has resulted in my account balance being unusable. The bank has failed to investigate this, so I don't know how to protect accounts at other companies or how to protect my Ally bank account. 

This all started with a new debit card, which was stolen from my mailbox. Someone spent a total of about {$2500.00} on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I noticed the fraud on XX/XX/XXXX and reported it to ally bank. They cancelled the stolen card, and the charges were refunded. 

On XX/XX/XXXX at about XXXX XXXX, I got an email from Ally saying that a customer service representative had helped me log into my account. That wasn't me. Then I got emails saying I changed my password, email, phone number, etc. I called Ally and was on hold for XXXX XXXX XXXX. I hung up and called again and finally got someone who was able to give me access to my account. The attacker had setup XXXX and was getting ready to send the money out of my account. The customer support agent didn't know how to reverse the changes, I manually reversed what I could, and then I had them freeze the account. I believe they chose not to start an investigation at this time. 

On XX/XX/XXXX, I called and had them unfreeze the account so I could pay my credit card bill. I also sent them a message asking for an investigation into the account takeover since I hadn't heard anything from them. 

On XX/XX/XXXX at around XXXX XXXX, I received an email saying Ally customer support had given someone access to my account, again. And then they changed the username, password, phone number, etc. I called immediately. The customer support agent, named XXXX, said they had just talked to me- but that wasn't me, it was the attacker. XXXX did not ask me security questions- they were clearly very poorly trained. They just reset my username and password when I asked. They did not seem to understand the situation. They kept asking me if I was done. I had to ask them to go through and reset everything. Then I asked for their supervisor, they muted me for about XXXX minutes. I asked again for their supervisor, finally they put me through. 

The supervisor, XXXX, reviewed the situation and opened a case to investigate the agent who did not ask me security questions. Then they added a lock to my account, with a passcode, so it should be impossible for the attacker to get access. Then they opened a fraud investigation. She gave me a ticket number for my interaction with her, which was XXXX. She said I will hear from the back office fraud department within XXXX business days, and to call again if I don't hear anything on Wednesday. 

On XX/XX/XXXX, I still had not heard anything despite Ally twice promising they would investigate the fraud. I still don't have access to my funds, about $ XXXX. I called customer support. The agents transferred me to the wrong department or hung up on me XXXX  times in a row. Finally, I reached someone who did not hang up, and they said the investigation hasn't started yet, and will take another XXXX business days, and I can call again if it still hasn't started.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

For over a month I have been unable to log into my account at XXXX : XXXX Every time I try I get an error referencing a technical glitch. 

This also happens when I try to reset my password. I am certain I am using the correct username. 

I have tried logging in from the app and on a web browser. 

Last month I was able to pay using the easy pay feature but today I can't even log into that. 

I am currently in the position of not knowing my balance, when my payment is due and without any means to make a payment. 

I can not send a message to the company unless I am logged in, which I can not do, and it is difficult for me to make a phone call. 

In a web search for a solution to this problem, I see complaints regarding this technical glitch spanning the past several months.
Product: Credit card or prepaid card

I have been disputing this debt since XX/XX/XXXX. Letter XXXX was delivered to them on XX/XX/XXXX. Letter XXXX was delivered on XX/XX/XXXX. Letter XXXX was delivered to them on XX/XX/XXXX. Letter XXXX was delivered to them on XX/XX/XXXX. Letter XXXX was delivered XXXXThey since charged off this account and reported it as a charge off even after I spent months trying to reach then to dispute and I have certified mail receipts to prove it. As an American citizen, I thought I had rights that prevented a credit card company from ignoring my disputes and harming my credit. This has caused me mental and emotional stress.
Product: Mortgage

XXXX has Shellpoint Mortage Servicing company working for them. This company is the problem. And they are not correcting their agent. Meet help.
Product: Mortgage

Has not reported payments to the Credit bureau. Refuses XXXX recognize that I was discharged from a chapter XXXX therefore not allowing my account to be eligible for services that could benefit my account
Product: Credit reporting, credit repair services, or other personal consumer reports

Today 's date is XX/XX/2022. I paid off my balance of {$9600.00} on my XXXX XXXX on XX/XX/2022. As of today ( more than 3 months later ) XXXX has still not reported to the credit bureaus that I paid that amount and now have a XXXX balance on my account and this is affecting my credit score. I attempted to call XXXX to discuss this matter and was told that XXXX was not reporting to the credit bureaus at this time. I explained this was affecting my XXXX XXXX. I was then told I would be transferred to a billing specialist to discuss this matter further. After holding for 5 minutes for the billing specialist my call was then disconnected.
Product: Mortgage

The complaint is against Guaranteed Rate XXXX. There are 3 issues with loan processing and closing cost. 

1. Not able to close on-time - Guaranteed Rate had more than 2 months for processing the loan application, There was not a single document delay on my end. I ended up bearing extra rent cost XX/XX/XXXX, this was solely due to Guaranteed rate 's inability to close on time that they had committed. 
Application was originated on : XX/XX/2015Original closing date : XX/XX/2015Actual closing date : XX/XX/XXXX 

2. Closing cost - I was quoted closing cost to be around {$2000.00} ( I have email proof from the Guaranteed Rate ), I ended up paying close to {$4000.00} instead, including attorney fee. I was promised that closing cost includes attorney fees. This closing cost does not include the escrows and other pre-paid expenses. 

3. Pre-paid interest - Even though we closed on XXXX, my loan started from XXXX and I was charged pre-paid interest even when the loan was not actually closed. 
The loan interest started fron : XX/XX/2015Actual closing date : XXXX. The HUD-1 document was provided to me 1 Hour before the actual closing. Guaranteed rate did not provide sufficient time to review the document and sign. If I had not signed the HUD-1 document, the deal would not have closed on time and I would have lost my deposit ( {$27000.00} ). This is such a non professional experience and sort of a black mail to agree to their terms.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to rocket mortgage at the end of XX/XX/XXXX due to a misapplied payment. They did resolve that issue. However, they then transferred me to a mortgage banker by the name of XXXX XXXX. He attempted to sell me on a new loan and I told him I was not interested multiple times. He then asked for my permission to pull credit. I told him that he absolutely did NOT have my permission because I was not interested in obtaining any type of loan. Today, XX/XX/XXXX, I received a denial for a loan due to my credit. He pulled my credit without my permission and attempted to get a loan in my name.
Product: Debt collection

The CFS ( Commonwealth Financial Systems ) agency called me twice ( once on XX/XX/XXXX, once on XX/XX/XXXX ), reminding me to pay debts that I do not owe. I do not have any loans of any kind. I only have one credit card tied to my parents for emergencies, and I know for certain that they are extremely responsible with their credit card debt. This agency, though legitimate, is calling me for debts that I do not owe. I have no debts to owe, nor have I ever had debts to owe, nor do I plan on making financial decisions in the near future that would lead to me gaining any debts. 

CFS is known to be quite phishy. I see why.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting account as unverified information without providing any proof within the period allowed by law. This account need to investigate and delete from erroneous reporting in my file are listed on my credit report : CAPITAL ONE BANK USA XXXX
Product: Debt collection

I received a letter from collection company. Called them to find out what it was. There was fraudulent charges on a credit card I used to have that indicates with the credit card company and they were supposed to take the charges off and close my account. They closed my account but never took the charges off and found out they sent the charges to collection! I do not owe money for charges on a credit card that were done fraudulently not by me. This needs to come off of my credit report as I do not owe this debt due to fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

These unknow inquires listed below do not belong to me and they have been reported onto my credit report. These are fraud/unauthorized inquires and should be removed : XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX 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 Balance : {$0.00} XXXXXXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX : {$74000.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$5200.00} FA XXXX XXXX : {$0.00} XXXX XXXXXXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$68000.00}
Product: Credit reporting or other personal consumer reports

I have XXXX late payments from chase on my credit card that I received during the XXXX pandemic 4 years ago. I havent been late since and XXXX  has given me new additional cards because they trust me. I need to have these late payments removed because I was deathly ill in the hospital at the time fighting for my life. Thank you for your time.
Product: Mortgage

The process the mortgage company put me through as I attempted to save my home was one thing but the fact that this mortgage company held a foreclosure sale on the home in XX/XX/2020 is my current issue. The buyer of my home which Im still living in And never left plans to flip it for profit, according to the fha moratorium the sale should not of occurred And the events me Avd my kids have been put through with their attempts to evict me should. Not have been allowed to occur.. I have been put through XXXX with court And have had to pay close to XXXX and was even forced to sign court documents while sick with covid or be evicted within 24hours. I have proof of those statements and threats. They told me they would throw me Avd my kids out while we were sick with covid this month. The justice system failed me. How was this missed why wasnt the moratorium used to protect me. At one court hearing the judge gave me 3 hours to pay XXXX or be evicted within 24 hours, while unemployed with XXXX kids. How can this be ok, how or why did the judge ignore the moratorium? Why was I treated so unfairly??? Why would a writ for eviction be given with the federal government having these moratoriums In place to protect homeowners like me. Is the local court allowed to just ignore those rules?? I dont understand and Im in disbelief of the treatment I received through the judicial system. Im currently being threatened to be evicted again because they are aware I have filed complaints and am questioning the moratorium And the mishandling of my case. I even lost my job Bc of what was happening with eviction. There are programs now that even foreclosed borrowers can use to get help to retain their home I have wanted my home this whole time but have been given no options. I believe the sale held in XX/XX/2020 is not valid and only makes it impossible for me to retain my home and I believe what I went through Is unlawful And unjust as the moratorium was there to protect me.I need the proper authoritys to take charge Avd get answers and fight for me And my rights, please help me, please Stand up for me, this is not fair, why is it so difficult for a borrower to be able to regain their home? Why did the mortgage company ignore the moratorium and continue having a sale of the home knowing still living there?
Product: Checking or savings account

I deposited a 3rd party check and they sent me a email stating that they were freezing my account but if the check didn't bounce and it did go through that they would unlock my account and I could access my money. 
After the check went through they still won't unfreeze my account they've had my money froze for a year now. I asked them to close the account and to just send my remaining XXXX via check and they still won't do so
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act this creditor SYNCHRONY CAR CARE has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXXXXXX XXXX Account NumberXXXXXXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account NumberXXXX has violated my rights. Or a 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.