23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I filed a dispute with Citicards regarding a fraudulent transaction in XX/XX/2019. The grounds for this dispute were : 1. I verbally agreed to purchase the product upon a guarantee ( in email ) by XXXX XXXX, the company founder, that he would " personally see to it that I increase my monthly income to $ XXXX in 3 months ''. This guarantee was not met. 

2. Once I agreed verbally to purchasing the product, I was unknowingly charged {$5300.00} on a credit card he had on file, without receiving any receipt, invoice, or contract for the transaction. 

3. Despite numerous attempts to resolve the issue and/or get a refund over phone and email, XXXX XXXX refused to provide any actionable advice or assistance in resolving the matter. 

Despite assuring me otherwise, Citi has refused to help me in this matter despite my providing ample evidence that proves the merchant is obviously a fraud..
Product: Mortgage

When I first began the process of attempting to resolve my mortgage issues, the Servicer was XXXX XXXX. As instructed, I completed numerous documents in hopes of obtaining a permanent loan modification. 

During that time, and close to an anticipated resolution, servicing transferred to Carrington Mortgage Services ( Carrington ). It is here that I experienced more Servicer -caused hardship - and as a consequence, lost my property to Foreclosure Sale. 

As I attempted to comply with Carrington 's new requirements - they proceeded with the Sale process, contrary to CFPB and HAMP guidelines. The original Servicer, XXXX XXXX, was the successful bidder, and now 'washes their hands ' of this matter. 

As it now stands, I am still trying to resolve the matter with the Servicer ( Carrington ). Carrington stated that XXXX XXXX did not transfer the documents I submitted to them. XXXX XXXX states that all was submitted, but also, that I did not respond to all requests. 

If the paragraph above was confusing, you can understand a little of how I feel. I want to keep my home, but dont know what else to do. My property is in limbo, as the title has not yet been issued. I am trying my best to keep my home and need your intercession. 
To try to be as concise as possible, I attempted to resolve my default and foreclosure matters with the Servicer of my home loan. In good faith, I submitted various hardship assistance applications in hopes of resolution. Mid-attempt, the Servicing changed from a National Bank regulated by the OCC ( Office of the Comptroller of Currencies ) and subject several lawsuits and settlements germane to my plight to a collections company type, governed by you the CFPB. 
I need you ( the CFPB ) to please research the history of these transactions including my timely submission of all requested documents and the non-review of the same. I requested this ( Servicing History ) of both Servicers, and was advised by XXXX XXXX, that the requested information was proprietary.
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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written Castructons 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 intormation Anv other adverse item of information, other than records or 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

I HAVE BEEN AFFECTED BY THE XXXX XXXX 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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Student loan

At the end of last year I looked into my public service loan forgiveness status as I have worked full time for the same non-profit for the last 9 years. I read on Fed Loans website that some of the loans I had were not eligible because they were in forbearance or differment. I had no knowledge of loans being in forbearance or differrent. The website stated to correct this I needed to apply for a consolidation. So I began the process. I revieved correspondence that said I could loose the credit I had already earned toward XX/XX/XXXX so I tried to stop the process. Further I got correspondence that my application was incomplete because I had not provided the appropriate references - my application was processed any way. The loans were consolidated - fastest process I have ever seen. I have NEVER experienced anything quicker from Fed Loan. Every year I verify my employment and wait almost the entire year or never to hear a status update. I then recieve notice that I lost all my years of credit toward PSLF. I have been on hold for over 2 and a half hours. My first call went in to Fed loan at XXXX - someone called me back about an hour later but could not see anything on my account- she tranferred me and here I sit on hold. I am angry and deeply saddened by this process. As I mentioned I have worked full time at the same non-profit agency for 9 years - this XX/XX/XXXX is a joke if all those years count for nothing. I would leave my number but- don't bother as I will most likely still be on hold with Fed Loan
Product: Credit reporting or other personal consumer reports

I have noticed several accounts on my credit report that do not belong to me. These accounts were opened without my knowledge or consent, violating my privacy rights under 15 U.S.C. 6802. I did not authorize the sharing of my personal information, nor was I given the option to opt out before these accounts were furnished on my credit report.

As per the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, I request the immediate removal of these fraudulent accounts from my credit report. Additionally, I demand that any negative information associated with these accounts, including late payments and charge-offs, be deleted. I am a victim of identity theft and did not authorize these accounts ; therefore, they should not be reported on my credit file.
Product: Credit reporting or other personal consumer reports

This CFPB has been filed to request pursuant to FCRA subsection 605B ( 15U.S.C.subsection 1681c-2 ) that you, the Experian, XXXX and the Trans XXXX credit reporting agencies , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of personal credit card accounts and collections. These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit report. Ive attached a copy of your consumer credit report showing the inaccuracies. The aforementioned accounts and collections maintained you were not opened, made or initiated by me. I have attached a copy of FTC Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are the result of identity theft and fraud.
Product: Credit card

I am trying to dispute the amount of {$5000.00} from XXXX, ( see attached file ). 

The item was sent back to the seller by USPS and it was recorded that the seller received the package after he promised he will refund our money from XXXX, but no refund was received from my account and I am disputing that from my credit card. 

See attached Tracking Postage from USPS and report that the item was received.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that your attempts to collect on the alleged debt referenced above are in violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692-1692p. If you are not aware this entire claim is regulated by an arbitration agreement with XXXX, which clearly stipulates that " any dispute must be resolved through arbitration due to the binding agreement. '' To date there has been no arbitration proceedings. As a direct result of that this considered a material breach of the arbitration terms listed in the original agreement acknowledged by all involved parties. I confidently assert that you have no right to collect on this alleged debt.
Product: Credit reporting 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 the 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 that 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 Balance Owed : {$0.00} XXXX XX/XX/XXXX MEDICAL XXXX Balance Owed : {$1100.00} XXXX XXXX  XXXX Balance Owed : {$76.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$4100.00} XXXX XXXX XXXX XXXX Balance Owed : {$190.00} XXXX  XXXX XXXX Balance Owed : {$330.00} XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/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 sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. Here are the items that are erroneous in my file and need investigation : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

The name of this company is called, XXXX XXXX and I received a phone call from them about 2 weeks ago where they claimed that my Kay Jewelers account has been forward to their office. They wanted to help me settle this matter outside of court. At first they told me the balance on my account was over {$1300.00} for attorney fees but I explained to them that's incorrect because my balance on my Kay Jewelers account was a little over {$750.00}. The individual who I spoke with placed me on hold to see if he could decrease the fees. He immediately return to the " line '' and said they could bring my balance to what I originally owe which was the {$750.00}. At first, they wanted me to pay the balance in full which I told them I could not do because of a financial hardship that I have. Therefore, they agreed to place me on a bi-weekly payment plan of {$62.00} until settled in full. I went along with this payment plan but at the same time, I had questions. 

I called my Kay Jewelers customer service number and the representative told me that they did not forward my Kay Jewelers account to no outside office. They warned me that it's a scam and told me to cancel my debit card immediately since the company has my information. Kay Jewelers still has my account in their office and they put me on one of their hardship programs to help bring my account current. I knew something was wrong because my account isn't charged off so why would this company call me talking about a lawsuit and asking do I want to settle my account outside of court? I believe they were honestly trying to scam me. It's a shame that there are companies out here like this.
Product: Credit reporting or other personal consumer reports

Below are the inaccurate accounts I found 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Checking or savings account

XXXX a check was cashed into savings with the amount of {$3900.00} XXXX zelle transfers was made multiple transactions
Product: Debt collection

I missed a payment on a new loan by a few days. US BANK proceeded to call me at home and at work for XXXX day XXXX times a day. I paid online as soon as i realized the error i had made but they continued to call me. When I answered the call they continued with a very rude attitude even after I told them i had resolved it.
Product: Student loan

I privent student loan was with XXXX  then transferred to Mohela. The emailed stated they would pause late fees and credit reporting to give us a chance to catch up on payments. My mom is a cosigner with a XXXX XXXX. I caught up and still reported me. Your still listing my dad who we lost 10 plus years ago. I have faxed multiply death cert and still not removed. The keep bring up his name when we get a letter in the mail does not help the emotions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just recently found this item on my credit and I called the company only to get a rude and unprofessional agent, who threw then to take me to court and ruin my credit over an item I explained that wasnt mine and isnt accurate. The rep hung up on me after I advised that by law they have to send me proof of debt. Im writing this to inform the collection agency that I have no acknowledgment of this matter and I am refusing responsibility of this issue and they need to remove this inaccurate information from my credit otherwise I will be speaking with an attorney and filing a lawsuit against them.
Product: Credit reporting or other personal consumer reports

I am reaching out once again to follow up and seek resolution on fraudulent activities that have adversely affected my credit report. After filing an identity theft report with the Federal Trade Commission ( FTC ) at https : //www.ftc.gov. As stipulated by the Fair Credit Reporting Act ( FCRA ), Section 605B, Credit Reporting Agencies ( CRAs ) must remove any fraudulent entries documented in an identity theft report. My report 's reference number is XXXX. Enclosed, please find the necessary documents aimed at facilitating the removal of inaccuracies, specifically erroneous personal information and inquiries falsely associated with my credit report. Below is a detailed list of these unauthorized items, categorized by credit bureau : EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. In accordance with FCRA Section 605B ( a ), I request the immediate removal of these items, as they are the result of identity theft. This request is made within the rights provided by federal law, expecting action no later than four business days from the date of this notice.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 I got a copy of credit report and late charges were reported on a student loan that was in forbearance. I wrote the credit bureaus and also MASSACHUSETTS EDUCATION XXXX XXXX XXXX. As a result, not only was late charges removed but the entire account was closed XX/XX/2018. Suddenly, it appears on credit report again, this time saying that I am ninety ( 90 ) days late. There is something wrong. Who protects the consumer? My son who is in the XXXX  send all the necessary papers for the forbearance and it was approved.
Product: Mortgage

In 2011 we assumed a loan from Loan Care for our current home. This was a seller financed home and the loan was being serviced by Loan Care. It was required of us that we seek our own financing. They wanted us to find financing quickly, however shortly after moving in my husband was diagnosed with XXXX and our focused turned to his treatment. I recently got a refinance and paid the loan off. When the lender requested a pay off it was noted that there was a XXXX XXXX early payoff penalty that was never disclosed to us. We never received a promissory note. Only an addendum noting that we assumed the loan. I have done much research and found out this is illegal. I am requesting that we get that money back since it was included in our payoff total. Owner name XXXX XXXX
Product: Student loan

I cosigned on my sisters loan for college. Aes told me twice in the last two years after a certain amount of consecutive payments I can be released. When I asked to be released they are now saying that the terms of the loan do n't have an option for me to be removed. I asked for the contract to be sent to me. I am very upset that I was mislead mire than once. I could have been working on other ways to be removed from the loan. I am thinking of hiring a lawyer. Any advice would be helpful. Thanks
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that 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. 
XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX  XXXX, NY XXXX XXXX XXXX  XXXX XXXX Balance : {$70.00} ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

please delete the following accounts and inquiries. I tried to fixed it so many times. why still in my credit report please make an actinPlease remove it immediately or elso I will file a complaint. Hre 's the lists XXXX XXXX XXXX XXXX. XXXX, XXXX {$460.00} XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX {$910.00} XXXX XXXX XXXX XXXX XXXX XXXX, XXXX {$14000.00} XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX, XXXX {$670.00} XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXXL Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX  XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX : XXXX XXXX, XXXX
Product: Checking or savings account

Umpqua Bank XXXX and mobile applications used during XXXX scammed my XXXX XXXX XXXXXXXX benefits. Employees moved to XXXX WA opened a XXXX XXXX XXXX to continue the scam. 

XXXX XXXXXX/XX/XXXX tried to contact customer service confirm account was closed in XXXX WA and who had access to financial information using mobile applications. 

XXXX XXXX XXXX XXXX access and use my account with other users using # to have 'open ' banking system, alter deposits and withdrawals, run bank out of XXXX XXXX XXXXXXXX in XXXX XXXX use XXXX XXXX in XXXX to extort XXXX XXXX XXXXXXXX checks that are direct deposited. 

This is related to mobile applications made in the XXXX XXXX area and XXXX XXXX area in Washington State that do represent cyprtocurrencies including the Post Offices in that area, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX 

I am not a veteran or a spouse of a veteran but this involves identity theft involving a person residing at XXXX XXXX XXXX XXXX WA XXXX, claiming to be me, or related to me via a fake XXXX profile and other stolen identies.
Product: Debt collection

The Company IC SYSYEM is collecting a debt for XXXX, Which is a company I have no debt with.
Product: Checking or savings account

Claim # XXXX Dollars Amount : {$1100.00} Date : XX/XX/2020 No letter being sent out for no reconsideration. So i have made an internal complaint but no respond nor credited me.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : ( XXXX XXXX XXXX ). 
( XXXX XXXX ). 


I did not authorize anyone employed by these companies to inquire and view my credit report. This is a violation of Section 1681b ( c ) of the Fair Credit Reporting Act and a serious violation of my privacy rights. Validate this information with these companies and provide copies of any documentation associated with these accounts that bears my signature, authorizing a consultation. In the absence of such documentation with my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.