23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I'm behind with my mortgage payment due to employment issues. I finally was able to secure some funds from relatives to catch up with my mortgage payments. When I called them asking for help, they said, they'll send me the reinstatement quote and how much I owed them. The first reinstatement quote was for XXXX on the past due payments with {$2900.00} for the late fees and cost which I thought was excessive. Regardless, I miss the date by 10 days because it takes time to try to collect the fund needed from families. When I was ready, I contacted them again requesting help and they said they'll need to regenerate the reinstatement quote since I missed the first one. This time, the added additional {$12000.00} for the fees and costs with list of charges with fees they already charged me on the first reinstatement quote. Now my past due is double. I got the feeling that they have no interest in trying to resolve my issue other than making money for themselves which I think it's absolutely excessive and illegal. Please help before they foreclosed my house.
Product: Mortgage

We completed a " Loan Modification Agreement '' ( Providing for a Fixed Interest Rate ) with our existing loan servicer ( XXXX XXXX  ) effective XX/XX/2020. After which our loan was ( Transferred / Sold ) to Select Portfolio Servicing, Inc. on or about XX/XX/2020. A letter dated XX/XX/2020 came to us notifying us that we will have an increase in our interest rate on XX/XX/2020 to 4.5 % and that our payment will increase to {$2300.00}. I immediately called Select Portfolio Servicing and informed them that we had signed that modification with a " Fixed Interest Rate '' and asked them to honor that agreement they ( assumed/ bought ) earlier in the year. The Account service person informed me that they would send that agreement to their " Underwriters '' and that they would contact me  within 5 days. How can this happen with a " XXXX XXXX XXXX '' Licensed under California State laws??? As of the date of this complaint, I have just got off the phone with Select Portfolio and  have not heard any remedy yet. I just hope this sort of " Bait and  Switch '' practices does not extend to anyone else this company services.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, Resurgent Receivables LLC added a derogatory mark on my credit report ( XXXX XXXX XXXX XXXX ). After I did some research, this account was sold/transferred and I am no longer responsible for this account. The debtor creditor never certified this collection. Also, there was no written document or form of communication, a contract or signature for this debt that I am being accused of at all. If there was a bill without a signature, that does not validate this debt which anyone can send a bill and say that it is mine. 
It is written in the FCRA ; that according the the regulations, this collection agency has violated my rights as a consumer and I am exercising my rights to that legal action to remove this account immediately.
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 XXXXXXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$0.00} XXXX  # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX -- {$9200.00} XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$150.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX
Product: Debt collection

This company has continued to put a medical bill that belongs to my daughter whom was the age of XXXX on my credit report I have constantly had to dispute to have removed on many occasions I have also called them and they told me that they were gon na keep going after me although they know it belongs to my daughter they got my information as she was on my insurance my insurance paid the portion the rest of the bill would belong to my daughter not me when I spoke to them they were very rude and threatened that they would put it on my credit and they have four times now and I keep having to spend time filing disputes with credit bureau and they have kept removing it just because someone is on your insurance should not allow company to have my information and try to charge me for the bill specialty when they patient is a grown adult age XXXX and they dont even have it on her credit report and also was not around when she went to the hospital I have not authorized the hospital nor any other to have or use my personal information especially my social security number and now they have also mailed to my current address
Product: Student loan

I am a victim of identity theft and have notified the owner of the fraudulent loan, XXXX XXXX XXXX, and their collection agent, Weltman, Weinberg & Reis Co., LPA regarding the fraud but have not received any response. I am providing a copy of the most recent fraud report sent to Weltman, Weinberg & Reis Co., LPA that I have not received any response to, and will provide a summary of my dispute below. 
A private student loan, account no. ending in XXXX, was obtained in my name without my consent or knowledge. I received a collection letter from Weltman, Weinberg & Reis Co., LPA dated XX/XX/2019 seeking collection on the above-referenced student loan. I have been attempting to notify Weltman, Weinberg & Reis Co., LPA since receipt of the collection letter that the account was not mine, and that I never signed or agreed to any such student loan. I sent the attached notice to Weltman, Weinberg & Reis Co., LPA on XX/XX/2019 notifying them of the fraudulent nature of this account, but have not received any response. 
As stated in the attached identify theft affidavit, I have not opened any student loans or co-signed for any student loans with the original creditor, XXXX XXXX, and the accounts are harming my credit and have caused worry, stress and hardship that has affected my quality of life.
Product: Money transfer, virtual currency, or money service

I tried to sell my second-hand jewelry online. On XX/XX/year>, I arranged to meet a buyer in front of XXXXXXXX XXXX XXXX XXXXXXXX for an in-person transactionexchange the item for payment. 

After I handed over my jewelry, the buyer first sent me {$3500.00} via XXXX. Then, since her XXXX account had a transfer limit, she sent me another {$500.00} through XXXX. 

However, on XX/XX/XXXX, the buyer suddenly opened a case on XXXX, claiming that the {$500.00} transaction was unauthorized. I received an email from XXXX asking me to provide evidence. I described the situation in detail and attached proof that she had also sent me {$3500.00} via XXXX, demonstrating that the {$500.00} XXXX payment was indeed made by her. 

Despite my detailed evidence, XXXX ruled in favor of the buyer and refunded the {$500.00} to her. Even though I had clear proof that the transaction was legitimate, I still lost the money. 

This was my first time accepting a payment from a stranger through XXXX, and I never expected something like this to happen.
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 XXXX Credit bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means XXXX, Equifax and XXXX have NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX, FL XXXX ; ACCOUNTS : XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$350.00}, XXXXXXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$5700.00}, XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance Owed : {$36000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$260.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

[ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 



The fraudulent items are XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 

Sincerely, XXXX XXXX Enclosures : Proof of identity : [ a copy of my drivers license/other government-issued identification card/other ] Fair Credit Reporting Act Section 605B [ PDF ]
Product: Bank account or service

In XXXX XXXX, 2016 I opened a Citibank CitiGold checking account with a bonus offer. The bonus offered XXXX Frequent flier XXXX XXXX miles in exchange for opening a CitiGold account and scheduling two bill payments from the newly opened account. These miles are worth at least { {$500.00} } in travel. 
After enrolling online with the promotion code, I telephoned Citi in XXXX 2016 and received verbal confirmation that the offer was attached to my account. I quickly completed the requirements. 
On approximately XXXX XXXX, 2016 I contacted Citi and spoke to a representative who assured me that I had met all the requirements and the promotional code was attached to my account. He stated I should see the miles post to my account by XXXX XXXX, 2016. 

I just contacted citibank today on XXXX XXXX, 2016 to see whether the requirement completion was done and when I would be expecting to see my miles. They sent me back a response saying that the offer was never tied to my account. 

I immediately appealed this citing confirmation from Citi that : The promotional offer is attached to my account and ; I qualified for the promotion and ; I met all requirements to receive my bonus. 

To date there has been no reply. 

Given that Citi representatives confirmed the promotional bonus and its terms with the opening of the account in the ensuing months, Citi must honor the promotion which induced me to open the account. They have defrauded me of at least { {$500.00} } worth of frequent flier miles
Product: Student loan

XX/XX/2018 I am the cosigner on the loan. I am on Social Security and can't make the payments. My daughter has try to work with them to lower payments and they say she doesn't qualify. They are threatening to put a lien on my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XX/XX/XXXX an electronic letter was sent from USAA through my online banking for an account that was in the negative - {$4.00} ( Ending in XXXX ). In the electronic letter the bank mentioned the account was ultimately closed in XX/XX/XXXX due to the account being in the negative. However, I was not aware of the status of my account until XX/XX/XXXX when I tried to log into my account and viewed the letter. In XX/XX/XXXX, I tried to open an account with another bank and I was denied due to critical information that was being flagged on my consumer reports. I am unable to open any other accounts with banks that I have applied to, which tells me there must be some critical information on there that will not allow me to do banking with any other banks. USAA is the only bank that I have ever worked with and had a great relationship with until my account closed. The only incident that I can think of that could be tied to this was back in XX/XX/XXXX a company by the name of XXXX XXXX XXXX XXXXXXXX XXXX XXXX sent a check to me under their financial services check system however, USAA updated that check as invalid. I then contacted that company and expressed my concern, and I was told that some of the information was incorrect on the check and that another check would be sent out, which they did send back out and I tried to cash that check but once again the bank updated it as invalid. After that incident I chose to no longer communicate with this company due to this company invalid check activity on their part. The account was put in the negative because of this company 's actions, which was out of my control. XXXX XXXX XXXX XXXXXXXX XXXX bears responsibility for this. I am requesting for USAA to remove any negative flags on my account if there is any in regard to this account as I was not notified previously if the account was being closed for any other reason, otherwise I would have disputed it and provided any information requested. I am also requesting for XXXX XXXX XXXX to also remove any negative flags on my account in regard to this account and also send a copy of my report. This is causing an extreme hardship since I can not have any direct deposits/paychecks at this time.
Product: Money transfer, virtual currency, or money service

decided to proceed. He pulled up XXXX pay as my method, so I tried to pay that way. I was wondering why he was reverting to other payment methods rather than what is on the product screen, but I tried it his way anyways. When that didn't work, he gave me recommendations that he uses. Once of which was Zelle. It didnt register with me yet that I would have no way of getting a refund if he didnt actually go through with shipping it, so I went ahead and completed it that way. Once it was paid for in the amount of {$440.00}, he was still responding and assured me that it would be sent. But after a couple of hours I knew that I had made a big mistake because he immediately marked the product as available again on the product page. And then the following day he stopped responding all together. 2 hours after making the purchase I filed a claim to my bank, which was denied today.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been checking on my credit reports daily. Recently I noticed a Hard Inquiry on one of my credit reports through XXXX XXXX stating that I " opened up a credit account through Wal-Mart '' I tried to disputed it but was n't able to because I had a pending review on another dispute I had submitted before. Just an FYI, i have been dealing with Identity Theft since the beginning of 2017 due to the fact that my personal information was stolen by an unknown person and this person or people keep trying to ruin my credit and my my personal information by applying for credit cards and other miscellaneous offers. I want to get this fixed as soon as possible because I have been trying to get my credit score to where I want it to be, and that 's at a excellent level
Product: Checking or savings account

I have an IRA  Annuity  statement from   XXXX  , with Union Bank in  XXXX   XXXX  CA. The statement gives  Union  Bank Fe d Tax  ID #  XXXX . It is a  Fixed Rate IR A wit h Maturity Date   XXXX . Earliest distribution date without penalty is  XXXX . The required disbursement date is  XXXX .     The beginning balance from  XXXX  was {$2900.00}. The ending balance as of  XXXX  was {$2900.00}. No withholdings are showing.     Approxima tely two wee ks ago from today, around  XXXX , I called their customer service and spoke with the IRA department. They had no information and told me to call back to their  Investments Group  at #  XXXX . Th e Investments Group to ld me to back to the IRA department.     So I called back the IRA department at the same number ( different extension ), and they asked me to call FDIC at  XXXX . FDIC told me to call t he Office of the  Comptroller of the Currency at  XXXX .     Th e OCC the n told me to call you, CFPB, at  XXXX . This is why I am writing to you now.
Product: Checking or savings account

I opened a checking account online on XX/XX/year> using promo code XXXX. The promotion required a deposit of {$1500.00} in 90 days. I fulfilled the terms of the promotion on XX/XX/year>. However, the bank sent me a letter saying I was not eligible for the promotion claiming I'm a XXXX XXXX I'm not sure from where the bank got that incorrect information. That question was not on the application form I submitted. I am a resident alien, living in the US for close to 2 decades. When I called the number on the letter, I was asked to go to a branch to resolve the issue. I went to the branch on XXXX XXXX XXXX and met with the branch manager XXXX and explained the issue. He called customer care from his office. He was instructed to submit a form. He did that and asked me to wait for a few days for the issue to be resolved. The issue wasn't resolved 2 weeks after and this time I went to the branch on XXXX XXXX and met with XXXX. This time also I presented my XXXX XXXX  and license. He tried uploading my XXXX XXXX and license, but the system wasn't accepting them, so he added notation with the ID numbers. He said he would call me back the following Monday and provide an update. I did not receive any call, nor any kind of communication from the bank. I again called customer service and they directed me to go to a branch again! Apparently, they are unable to see the actions takes by XXXX or XXXX and unable to do anything. I don't understand what kind of system the bank has for communication that customer care is not able to provide an update on an issue that should've been resolved very quickly given the documentation I provided. It has been almost 2 months since I opened my account and I'm very unhappy with the lack of correspondence and commitment from the banking personnel.
Product: Debt collection

Filed lawsuit got default judgement against me. Never served papers. I DO NOT OWE Midland Credit Management .They have NO CONTRACT me. This was bought from original creditor XXXX opened with them XXXX written off XXXX. Bought debt Now they are trying to collect.
Product: Credit reporting, credit repair services, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 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.
Product: Credit reporting or other personal consumer reports

Per the FCRA, as a federally protective consumer, THE PRIVACY ACT OF 1974. ( 15 USC 1611 ) Criminal liability for willfully and knowing violations. ( 15 USC 1681 ) Accuracy and Fairness of Credit reporting. IT IS ILLEGAL TO REPORT TRANSACTION HISTORY. ( 15 USC 6801 ) It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers non public information. ( 15 USC 6802 ) Obligation with respect to disclosures of personal information. ( 15 USC 6805 ) The enforcement of the regulations prescribed there under shell be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulator, the State insurance authorities, and the Federal trade Commission with respect to financial institutions and other person subject to their jurisdiction under applicable law. XXXX XXXX XXXX XXXX why are you reporting my balance to XXXX, Equifax, XXXX? My FICO Scores has dropped with XXXX XXXX Points Equifax XXXX Points XXXX XXXX Points. This wasnt the first time this ongoing problem my previous complaint number XXXX. Abuse of access to customers private credit reports. 
IT IS ILLEGAL TO REPORT TRANSACTION HISTORY.
Product: Debt collection

XXXX XXXX XXXX XXXXXXXX ) was closed in late XXXX. XXXX XXXX I paid a small $ XXXX post cancellation bill. 
Since I have continued to receive billings for {$60.00} and have been sent to Southwest Credit Systems. 
XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Having contacted both companies none would send conformation that the bill is not owed which was a false outstanding bill submitted by XXXX XXXX 
Both said just ignore the correspondence. I Asked for a email form both and neither responded in a positive manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

This will be my last Complaint to inform the Credit Reporting Agencies that I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) the Credit Reporting Agencies are required to remove any ITEMS which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. If the Credit Bureaus do not comply with the requests, it leaves me no choice but to pursue legal action. I need the following items deleted as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX.