23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

For the pass 2 years my wife and I have been applying to modify our loan with XXXX XXXX XXXX and Seterus. We were only 2 months behind in XXXX 2014 with XXXX XXXX XXXX and they would not except them because I was 2 weeks late on my third payment. That 's when I ask them for help with the mortgage. After filling out XXXX modification packages with no results, now they passed the loan service to Seterus. I 've filled out another loan modification package with them. We feel we 're getting the round a round again. We are sick of this abuse with these banks who we bailed out, now they think they are high an mighty that they can waste our time and tax dollars by giving us the run around and not help us. My wife is not able to work due to being hit by a car 7 years ago. She has a broken back and is still not able to work due lots of pain with movement. I was lay off from XXXX XXXX government job that I 've worked for 7 years. It has not been easy trying to find any job these days. That 's why we 've been asking for help with the modification of our home mortgage so far no help. The house is in foreclosure and my wife Social Security Check pays a lawyer to keep us in the house. We do n't know what else to do. We have income coming in with the side jobs I do here and there, my pension check and my dad who is living with us due to being ill helps us every month with his pension and social security every month. Is there anybody out there that can help us with this matter?
Product: Vehicle loan or lease

On XX/XX/2023 Westlake Financial fraudulently charged extra fees without explaining what the charge was for. As well as a fraudulent {$4000.00} dollar down payment, a {$900.00} dollar GAP Insurance fee, a {$750.00} dollar XXXX Fee, a {$660.00} dollar License, Title, & Doc fee, and a {$890.00} dollar State Tax fee. The list of fraudulent fees adding up to {$3200.00} dollars. And the vehicle interest rate to jump to 23.69 % that was not mentioned or explained to me. Resulting in the vehicle purchase price going from {$14000.00} dollars to {$28000.00} dollars.
Product: Debt collection

I had contact with a fake company through spam texts, which lead to me to a website offering free samples. This company appears to be fake, and I was unable to get in contact with them through the numbers they provided. Months later, National Medical Administrators ( NMA ) Inc reached out trying to collect a fake debt. When I asked them to provide the company information, they provided a fake name and address. When I pointed out to them the company name was fake and there is no real company named that, they hung up on me. I confronted them by phone several times about the fake company name, and each time they hung up on me. When I looked at NMA 's XXXX profile, there were multiple complaints about the exact same company ( XXXX XXXX ) which appears to be a fake company, yet NMA is still collecting fake debt even though they have been notified of these scams.
Product: Checking or savings account

I opened up a Citibank checking and savings account under a promotional period. The promotion stated that I fund the accounts with {$15000.00} of " new to Citibank '' money and maintain the balance for 60 days. At the conclusion of the 60 days I would receive a deposit of {$400.00}. Opened a Citibank checking and savings acct on XX/XX/XXXX. 
Funded it with {$15000.00} on XX/XX/XXXX. Called mid XXXX to see where to promotional deposit was and was told that it was 60 days of having funds in the acct plus the additional 90 days of processing to see the promotional deposit. Called XX/XX/XXXX and was told that the XXXX XXXX holiday on Monday pushed the distribution by a few days and that I would see the money by XX/XX/XXXX. Called XX/XX/XXXX since I have yet to see the promotional money and now am being told that my acct does not show any sort of a promotion attached to it. Investigation was started on the XXXX and called XX/XX/XXXX to follow up and was hung up on.
Product: Vehicle loan or lease

i've asked for options on how to power my car payment since I was XXXX  off my job from XXXX in XXXX of XXXX. The payment is {$470.00}, for a loan of around {$24000.00}. Its my first car, and its used. I was not informed of the difference between a lease or a loan. I've talked to the company and the dealer. They both hang up, redirect me and ignore me especially in person at the dealership. They reccomended me to use my XXXX XXXX  at the dealer, which is illegal. the car is a XXXX XXXX with a manufacturing defect that both the company and dealership have denied in trying to fix. I am an XXXX XXXX student working XXXX hours a week, getting paid minimum wage, taking XXXX classes. They made fun of me at the dealer after i told them of my situation and said there's nothing that can be done, only offered me a newer car with a higher monthly payment. The company only pushes for their payments and ignore my ask for help.
Product: Mortgage

Citizens Bank removed my XXXX ID from a loan application I submitted, for a borrower of mine. Removing a Loan Officers XXXX ID from a loan application is a regulatory violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make any charges. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 


CREDIT REPAIR CONSUMER LAWS : Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 


Fraudulent/Negative Accounts : XXXX XXXX Account Number : XXXX Account Opened : Balance : {$330.00} Fraudulent/Negative Accounts : XXXX XXXX ACCOUNT NUMBER : XXXX Unauthorized Inquiries : Inquiry name : XXXX XXXX DATE : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX  DATE : XX/XX/XXXX XXXX XXXX XXXX  DATE : XX/XX/XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX  DATE : XX/XX/XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX DATE : XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX  DATE : XX/XX/XXXX XXXX XXXXXXXX XXXX  DATE : XX/XX/XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX DATE : XX/XX/XXXX XXXX XXXX  DATE : XX/XX/XXXX XXXX  DATE : XX/XX/XXXX ] XXXX XXXX DATE XXXX XX/XX/XXXX XXXX XXXX DATE : XX/XX/XXXXXXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX DATE : XX/XX/XXXX XXXX DATE XXXX XX/XX/XXXX XXXX DATE XXXX XX/XX/XXXX XXXX XXXX  DATE : XX/XX/XXXX XXXX XXXXXXXX DATEXX/XX/XXXX XXXX DATE : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate items in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$910.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$3600.00} XXXX XXXX XXXX Balance : {$6900.00} XXXX XXXX  XXXX XXXX Balance : {$2600.00} ; XXXX  XXXX XXXX Balance : {$5800.00} ; XXXX BANK XXXX Balance : {$10000.00} ; XXXX  XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$7200.00} ; XXXX XXXX XXXXXXXX Balance : {$3300.00} ; XXXX XXXX XXXX ( Original creditor : XXXXXXXX XXXX XXXXXXXX XXXX ) XXXX Balance XXXX {$490.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance XXXX {$8900.00} ; PXXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX  ) XXXX Balance : {$4700.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance : {$6500.00} ; XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance : {$2500.00} ; XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX  # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$8700.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Debt collection

In XX/XX/year>, I found out I had XXXX medical bills on my credit report. I was never contacted by Aargon collection Agency about this debt. I initiated the communication with a debt verification letter on XX/XX/year>. Around begining XXXX I received XXXX separate medical bills with treatments and services rendered and never did they send information I had rights to dispute this debt under the FDCPA. I am concerned about the XXXX violation with the bills they sent since it shows the services and treatment provided. In the bills it also shows we had XXXX under anthem blue cross. They failed to verify the insurance before starting the collection activity on my credit report and failure to let me know I had this debt before putting it on my credit report. All three of these medical bills has damaged my credit report. XXXX has tried to pay the original creditor but has been unsuccessful due to being with Aargon Collection Agency.
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX MS XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MS XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX : {$3500.00} ; DEPT OF EDXXXX XXXX Balance : {$50000.00} ; XXXX XXXX XXXX XXXX Balance : - ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$510.00} ; XXXX XXXX XXXX XXXXXXXX Balance : - ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$160.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$11000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX  ) XXXX Balance : {$0.00} XXXX XXXX XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX Bankruptcy XXXX XXXX Date Filed/Reported XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX U.S. Bankruptcy Court XXXX  XXXX bankruptcy XXXX XXXX Reference # : XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX.
Product: Mortgage

Dear Sir ; I applied for a line of credit on my house that i lived in since XX/XX/XXXX at XXXX XXXX XXXX XXXX XXXX XXXX florida XXXX. My house was paid off in year XX/XX/XXXX free and clear. About 6 years ago i applied for this line of credit from XXXX XXXX XXXX. When i applied my self and my Investor XXXX XXXX XXXX new this bank agent i completed the paper work and we all left the bank including my nephew that lives with me. He was my witness to me filling out the loan papers.I did not hear from the bank about my loan for a long time. As time went by i called the bank and got no answer about my loan. I turned it over to the F.B.I. they investigated this XXXX XXXX XXXX and locked him up for running a XXXX  XXXX he is in the state of florida jail.J.P. MORGAN bought the XXXX XXXX XXXX. 
I went to the J.P. Morgan bank and told them that i lost all my paper work for my loan, so the person printed every thing pertaining to my loan. The application was CHANGED to show that i made {$10000.00} a month and that is why the bank approved the loan and made the check out to XXXX XXXX XXXX, he was making the payments. I never saw the check in the amount $ XXXX.Would you be so kind to look up on the internet, XXXX XXXX , click on to the XXXX year old man that lost his house. THE BANK STOLE MY HOUSE. I am in touch with the F.D.I.C. about this check. I talk and email Special Agent XXXX, he told me that they located this bank agent and this case is a on going investirgation. would you try and help a XXXX year old man to get his house back. I have all the bank papers that they FALSIFIED. THANK YOU, XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX
Product: Student loan

After taking out two private student loans ( with no issues ) at the age of XXXX and XXXX XXXX XXXX approx, Citizens bank had no issues with approving those two loans at over 11.7 % interest rate. As I have gotten more educated on the issue, I have attempted to refinance multiple times and excuses have ranged from my credit score not being high enough to I need a co signer to refinance. Its troubling and concerning to know what I have been mislead, deceived, and taken advantage of with this unfair and predatory lending behavior. I stated with {$38000.00} and about 5 years later I already owe about {$58000.00}. I will never be able to stay on top of the principal plus the interest. Action is needed.
Product: Debt collection

I am providing this sworn statement for your consideration and I would like for you to please consider these as facts to be truthful and valid. XXXX is aware and has proof in the attachments labeled as Exhibit B. Merchants Credit Guide is in violation of several laws and are stated as follows : 15USC1692j ( a ) 15USC1692c ( a ) 15USC1692d ( 2 ) 15USC1692g ( a ) The inaccurate reporting of both my account status and payment status by Merchants Credit Guide is causing harm to my credit reputation and financial standing. All items listed in Exhibit B are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my report. 

I have attached documents showing that I requested validation of the debt in XXXXXXXX XXXX XXXX XXXX  and I just received a debt collection letter in XXXXXXXX XXXX XXXXXXXX, a year later. The balance on the last page clearly shows that there is no balance owed. It also shows that they are not the original creditor of this debt. I submitted a complaint before and they responded saying the debt was mine and they would make arrangements to help me satisfy the debt. I never signed a contract with Merchants Credit Guide and I never gave them authorization to obtain any medical records about me as that is a violation of HIPPA LAWS.
Product: Checking or savings account

I have a Klarna account, Ive had one for a couple years and only used it for XXXX XXXX and XXXX XXXX 
On XX/XX/year> and XX/XX/year> XXXX purchases were made on my account that I never authorized. Both purchases coming from XXXX, tickets for concerts apparently. I never made, I never authorized, in addition I never received as well. 

I didnt notice these purchases until, XX/XX/year> when I made my first dispute. Then it was cancelled. I was told to reach out to the merchant to receive a refund. 

I said okay, after speaking with XXXX, they stated they could not provide a refund. I would have to get a refund through my bank as it was an unauthorized purchase, I said okay. 

They sent an email stating, the XXXX account used was locked, and that I need to contact my bank for a refund, once the bank gets notified of the dispute, they contact XXXX, then XXXX stated they would initiate the refund. 

After speaking with both XXXX bank, and Klarna where the purchase was made, they still denied me a refund. Even after reviewing their policies. I even have an email from XXXX with proof stating I didnt make the purchase, and that the account and tickets are locked anyways. I didnt receive any product, approve of any purchase. 

Yet Im unable to receive any refund, or any help. Ive been struggling for two months, and the amount totals to about {$2000.00}. Which is worse considering I never even received anything in exchange. 

I would love some help regarding this please.
Product: Debt collection

I.C. System, Inc. has violated my rights pursuant to 15 usc 1692 ( b ) ( 2 ) ( 3 ) and 15 usc 1692c ( a ) ( b ). I.C. System, Inc. was not present for the initial correspondence between myself, and XXXX XXXXXXXX XXXX XXXXXXXX XXXX, therefor I.C. System, Inc. is in direct violation of my rights by contacting about this alleged debt. I.C. System, Inc. has contacted me via phone daily in connection with this alleged debt, which is violation of 15 usc 1692d due to the fact I never gave I.C. System, Inc. consent to contact me about anything. I.C. System, Inc. furnished deceptive/negative forms and reported them on my credit reports, this has been very detrimental to my reputation as a consumer which is a violation of my rights pursuant to 15 usc 1692j ( a ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a problem with a identity data breach, Involving tax identity fraud on my name XXXX XXXX XXXX. As well as my social, medical identity, social security card. 
Im trying to open a business checking account with XXXX  XXXX XXXX. However, the bank representative says my social security number is involved with someone in th military. also, my wallet was stolen and covid 19 is going on so I had to make new wallets and my credit is now messed up due to someone doing fraud please email me to assist thanks. 
The reporting agency named Chex clear systems who governs the XXXX  XXXX XXXX and reports to them have stated that the report is now clear and Im able to access the account, however, the bank is still unable to open my XXXX XXXX XXXX checking or business account! Please help thanks
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 accounts ( 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
Product: Credit reporting or other personal consumer reports

I am writing to dispute the reporting of a late payment on my credit report. I have contacted the companies regarding this late payment, and they have approved updating the account to " open or closed/never late. '' The companies have acknowledged the inaccuracy of reporting a late payment and has agreed to make the necessary changes. 

According to the Fair Credit Reporting Act, I am entitled to an accurate credit report. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX