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

I went to the Conns store to purchase appliances. I decided to finance the products with their card. It was not until AFTER my credit was checked that I was told about a {$100.00} processing fee and a fee for possibly loss of the appliances. I am not sure why this is required as I have home owners insurance should the items be stolen. Had this been told to me prior to agreeing to the inquiry on my credit, I never would have allowed it. This is unscrupulous and predatory lending. I understand I could have backed out at that point ; however, the inquiry was already made and I did not want an inquiry with a trade line associated added to my credit report. Additionally, when the appliances were delivered, the delivery people took my front door of the hinges and it has never been the same. When they left and I attempted to leave, the door came off in my hands. Yes, they came back to fix it but it came off again they had to make another trip out. The driver stated that my door only had 2 screws in it. That is not true and when he came off a couple of days later, I had someone that I had to pay come out and they said there were more in there and they didnt put it back correctly. Additionally, when I received the merchandise it was dented in a few places and I was told that some money ( well over the {$200.00} mark ) would be taken off my account ; however, it was not and that is not enough for the dented merchandise. I am completely dissatisfied with the service and the lending practices they use to get people. They should never been allowed to lend or at least be made to advise of ALL fees before pulling a credit report.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report yesterday and noticed on an account that was not reporting accurately. i had 2 late payments on an account that i was in fact paying on time all last year. The consumer reporting agencies have need to report all information with complete accuracy this account has not been late on payments for the past year and i attached a copy of my report to this complaint on the following dates of XXXX and XXXX I would like to request that you investigate and provide verifiable proof with records showing that I had late pavements. If this information can not be verified I demand these payments be updated to paid on time immediately, Thank you for your understanding.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and remove them immediately in my report : XXXX XXXX  Bankruptcy XXXXXXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I am having trouble with my mortgage servicing agent which is now with Ditech. It has also been with Greentree and XXXX. The original mortgage was completed on XX/XX/XXXX. I got behind in payments in XX/XX/XXXX. In XX/XX/XXXX, I sent a payment of {$3500.00} in the form of a XXXX XXXX wire. The exact amount I was told to pay. I even called the morning of the payment to confirm that was the right amount. Approximately 2 weeks later, the money was sent back to me along with a letter stating that I paid {$400.00} to little and that we could no longer accept payments to this account and that I would sent into foreclosure if I could not pay another {$6800.00}. I 'm not sure why. I was willing to make payments, but was told by XXXX to stop making them. By XX/XX/XXXX the total to reinstate my loan was {$17000.00}. In fact they refused to accept any more funds unless it was the full amount. This included charges that were well above the {$1000.00} maximum fee as per Montana state law. I have been working with XXXX, Greentree, and XXXX XXXX services along with an attorney over the last 5 years trying to get some answers. I do n't understand what my options are and no one can explain them to me. My home is worth approximately {$320000.00}. My last statement is demanding a payment of {$470000.00} or else the house will be auctioned on XX/XX/XXXX. On Ditech website my account says I have to pay {$130000.00} to get current which puts the total over $ XXXX. So which is it? The original loan amount was {$370000.00}. I understand the house has lost value. I have spent more than {$11000.00} in attorney fees and I just spent another {$4100.00} with XXXX XXXX XXXX who claimed they could help me. I have been scammed by XXXX and am running out of time. This has ruined my credit and put me in a 4 1/2 year long financial lock down, not knowing what to do. I have made many calls with no response to Ditech. I have to the phone number and agent I am supposed to talk to XXXX XXXX but have gotten no response.
Product: Checking or savings account

ON XXXX XXXX, I WAS IN XXXX MISSISSIPPI FOR A LAW ENFORCEMENT CLASS ( XXXX XXXX RECOGNITION ). WHILE ASLEEP AT THE HOTEL DURING THE NIGHT TIME HOURS MY CREDIT KARMA CHECKING ACCOUNT WAS COMPROMISED AND DRAINED OF MONETARY FUNDS. WHEN I WOKE UP THE FOLLOWING MORNING AND CHECKED MY CELL PHONE THERE WERE NOTIFICATIONS THAT MY BALANCE WAS {$27.00}. MY BALANCE BEFORE I WENT TO SLEEP WAS {$1200.00}. I IMMEDIATLY CALLED CREDIT KARMA CUSTOMER SERVICE. THEY STATED MY ACCOUNT AND CARD WERE LOCKED FOR SECURITY CONCERNS/FRUAD. I OBSERVED MULTIPLE XXXX XXXX WITHDRAWAL 'S FROM MY CREDIT KARMA ACCOUNT. I FILED A POLICE REPORT WITH THE XXXX XXXX XXXX XXXX XXXX IN SOUTH CAROLINA. THE DISPUTES WERE BROKEN INTO XXXX INCIDENTS PER THE DISPUTE CENTER FOR CREDIT KARMA. CREDIT KARMA COMPLETED XXXX CLAIM AND DEPOSITED {$340.00} BACK INTO MY ACCOUNT IN VERIOUS INCREMENTS. I IMMEDIATLY MOVED THE MONEY TO A SECURE BANK BECAUSE MY ACCOUNT WAS COMPROMISED. CREDIT KARMA SENT AN EMAIL TO MY PERSONAL ACCOUNT STATING THEY DENIED THE CLAIM FOR {$810.00}. I CALLED TO APPEAL THIS PROCESS GIVEN THAT THE CUSTOMER SERVICE REP STATED A CARD WAS ADDED TO MY ACCOUNT THAT I DID NOT HAVE IN MY POSSESSION NOR OWN. CREDIT KARMA WAS REQUESTED BY ME TO HAVE THE XXXXNVESTIGATOR CALL OR REACH OUT. I ALSO REQUESTED TO SPEAK WITH A SUPERVISOR. I HAVE NOT RECEIVED ANYTHING I REQUESTED. I RECIEVED AN EMAIL TODAY XX/XX/2024 FROM CREDIT KARMA STATING MY ACCOUNT IS FROZEN AND IT WILL BE CLOSED. I HAVE EXHAUSTED MYSELF TRYING TO SPEAK TO SOMEONE TO FIGURE OUT WHY MY FUNDS HAVE NOT BEEN RETURNED AND MY ACCOUNT IS BEING CLOSED.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive had quite a bit of identity theft over the past couple years and I finally got most of it resolved with a lady who worked at Experian named XXXX subsequent to that in XXXX of last year I had a XXXX  XXXX  I was in the hospital for quite some time and yet again someone went after my credit insert opening accounts. Theyve managed to put my phone numbers out open accounts change addresses its been a huge mess I finally got everything resolved on my report with Experian except for one account. It showing that there is another car that was purchased while I was in the hospital having recovery time for my XXXX  XXXX. After the XXXX  I moved to XXXX  from XXXX  and have been living down here even before the car was bought because I needed to get XXXX XXXX. I sent all supporting documents Ive contacted the company I reached out to multiple times and there is a car that I couldve never gotten on the report. I wouldnt have mind giving them my XXXX  phone number the hospitals phone number and I dont know what to do anymore he verifying it is correct. At this point Im getting denied an apartment to do this and in accurate information that will not come off Even with the police  report in the freight ID kit Experian refuses to block or remove this account.
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 accounts 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 accounts listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of 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. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than XXXX business days after the date of receipt.
Product: Debt collection

I received a notice from this company saying I owe a debt to " XXXX '' an electric provider. The problem isXXXX is the original creditor, yet : XXXX is on my credit report for this as well as " XXXX ''. I have filed a complaint against " XXXX '' for not removing themselves from my credit report when they sold the debt to XXXX in XXXX. Now here is another agency trying to collect the same debt.
Product: Checking or savings account

I have had 2 unauthorized charges from XXXX XXXX / XXXX XXXX XXXX on my account since XX/XX/XXXX. I did not notice it until XX/XX/XXXX. I have not had XXXX XXXX for power since XX/XX/XXXX. I have no active accounts with them.
Product: Student loan

I filed XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/year> due to hardship. Now that we have a new president and someone taking over my personal records I do not feel comfortable paying without knowing what is going to happen next
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never lived at XXXX XXXX XXXX, Never lived at XXXX XXXX XXXX, XXXX XXXX CA. I have never worked at XXXX XXXX XXXX ... ..I would like all this taken off my credit. Thank XXXX XXXX
Product: Credit reporting or other personal consumer reports

RE : XXXX Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
INQUIRIES : XXXX XXXX  XX/XX/2024 Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Mortgage

XX/XX/2020 till XX/XX/2020, I was under employed
Product: Credit reporting or other personal consumer reports

I was not made aware of this collection account on my consumer report
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to XXXX, XXXX and Experian in regards of errors that are currently on my personal credit reports. I have sent all documentation to support my claims of the inconsistencies with names, addresses and jobs that do not belong on my credit profile along with letters. My credit profile is currently showing 14 different names, 12 different addresses and 4 different jobs. It has been more than 30 days since I have sent these letters, I am really concerned about this issues as it relates to my personal information.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX
Product: Debt collection

An attorney for 'Plaintiff ' ( A credit card company that I had debt with back in XXXX, with a payout in XXXX, apparently got court approval ( without my knowledge ) to garnish {$1300.00} out of my bank account, PLUS another {$120.00} fee. The original debt was about {$4000.00} before I settled and paid less to close the debt. They are saying I now owe them {$12000.00}!!! ( with all the interest over the years )!! 

My husband and I obtained a mortgage in XXXX, and part of the mortgage process required me to settle any unpaid debts, in which I did ( or I wouldn't have gotten the mortgage! ). I recall settling this debt, although I can not find the paperwork to prove it. 

I thought to contact the mortgage company, who would have all of my credit information from that time, but they went out of business is XXXX. 

Since credit reports and credit bureaus only go back about 7 years, I can not get a hold of the information to clear this up. My credit rating is good, and I have no 'strikes ' on my record according to XXXX Credit bureau XXXX 

This debt is about XXXX YEARS OLD now ... .. how is this even legal??
Product: Mortgage

In XXXX, I XXXX XXXX closed on a property which was sold to me by XXXX XXXX. Warranty Deed and Deed of Trust were written as XXXX Assumed Name, Fictitious, Trademark name. I became unemployed for over 2 years in XXXX and throughout that time requested loan modification through at the time I thought was the Servicer for the Lender Bank of America. Bank of America sent paperwork with XXXX parties I had not heard of which excluded the XXXX. The XXXX parties named are XXXX ( who had a name change in XXXX to XXXX, XXXX ) registered under the United States Patent and Trademark Registry No. XXXX. Secretary of State Texas, Tax Compotroller of Texas, Banking Commissioner of Texas, the OCC, and The National Mortgage Lending Services have all identified the XXXX as a DBA which is filed on the United States Patent and Trademark Registry # XXXX XXXX. Bank of America knowing that XXXX was never a Corporation, issued a Deed of Trust with a fictitious Lender. Furthermore, the Note was never endorsed by Bank of America until XXXX, XXXX Which is a rubber Stamp that states " Pay to the Order of '' Without Recourse Countrywide Home Loans, Inc DBA XXXX. This is clearly not how the Deed of Trust or Promissory note is written. A new Party joins in the mix as XXXX as Current Mortgagee. After contacting XXXX, I am advised by XXXX XXXX XXXX that XXXX is not the Lender nor or they the owner of the Loan or the property. However when the property was foreclosed on XXXX XXXX, XXXX, a Deed in XXXX was filed which named the Owner of the Property XXXX with a Bank of America address. This alleged loan XXXX has several issues with it to which the Consumer Financial Protection Agency never helped the consumer with an investigation. The Consumer Financial Protection Bureau never did anything to look into the Deed of Trust with a Fictitious Lender, how did it make it to the Trust as a Legal Binding Document? XXXX is a name, a slogan. It is nothing that would say anything about a Corporation or Financial Institution which legally held the means to be a Lender. XXXX sold the property to more investors XXXX XXXX XXXX XXXX TX XXXX who has hired attorneys to evict me from the property. I do not have a legal Lender and XXXX has already put in writing they do not Own Loan or Property. Who created these Appointment of Substitute Trustee documents, filed them, and who legally purchased property at Auction? Title is not a Clean Title.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Second 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 items 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$3100.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX
Product: Checking or savings account

I tried to open an Huntington Bank XXXX XXXX XXXX XXXX XXXX XXXX.. but keep getting denied because I think I have something wrong. They said contact you to get it cleared so I can open up banks.
Product: Credit reporting or other personal consumer reports

Under 15 U.S. Code 1681b, I have never given consent to report any OF THE FOLLOWING accounts 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, EQUIFAX, AND XXXX did not have my consent to report any of the following items above. It constitutes an not having permissible purpose. No consent is identy theft!!! This law states that whoever knowingly transfers, possesses, oruses, without lawful authority, ameans of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term or imprisinmentof XXXX years. I request a copy of the SSA 89 or SSA 3288 advising that if they were going to pull my credit they would have to have all these documents signed.
Product: Credit reporting or other personal consumer reports

Credit Acceptance Re : Contract Pay Off XXXX XXXX XX/XX/XXXX I sent agreed payment in order to settle installment contract with Credit Acceptance. The above referenced account has been settled in full. The XXXX was supposed to be released. They agreed to report to all credit agencies. I received the letter confirming settlement of account. But information has not been updated with credit bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello. My name is XXXX. I happened to check out what was going on with my credit report. I noticed several collection items placed on my report that do not belong to me. Please remove them from my report today I appreciate the help. Thanks so much.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, I authorized a wire transfer of {$1000.00}. XXXX from my checking account to a recipient in XXXX with Chase Bank. They didnt send the money until XX/XX/2022. However, after the XXXX business days, the money was not received by the recipients bank in XXXX. I contacted Chase customer representative and instructed that the wire transfer be recalled. Since XX/XX/2022 nothing happened. They should recall the wire transfer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Had disputed balance with XXXX Card XX/XX/XXXX to XX/XX/XXXX. Wrote multiple certified letters to resolve the issue. XXXX neither answered nor replied to any of the correspondence. Ignored dispute and continued aging the account 30-60-90-12-150-180 days delinquent. Finally resolved the dispute with the Supervisor on phone. Refunded disputed balance, established revised payoff and repayment schedule. Currently paid as agreed 6 months. However, XXXX failed to correct delinquency history which remains on their records and subsequently on all credit bureau reporting. I am requesting that history for these months be either revised or suppressed. Potentially negative impact on my creditworthiness and credit score.

My attorney has written ( certified ) to XXXX regarding this matter and his letter has similarly been ignored, no reply or response
Product: Credit reporting or other personal consumer reports

My information was SOLD and BOUGHT ILLEGALLY because I was a victim of the XXXX XXXX XXXX. I want these items deleted from my credit reports affective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this DATA BREACH and XXXX has done NOTHING. Please help me DELETE these illegal accounts from my credit reports. ( The Accounts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. My credit report is being compromised with fraudulent account information as a result of the identity theft. This information is being furnished to and reported by XXXX XXXX, XXXX, and Equifax. It is not fair nor equitable that I am suffering from information that does not belong to me. I am entitled to a credit report that is fair and equitable to me at all times. Unfortunately, this matter has compromised my faith.