23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Prior with Consumer finance and FDIC. 
XXXX XXXX with Central Mortgage Funding would call or text communicating about the refinance, I would initially not refinance due to high rates, he kept calling to get my business, would not do business. 
To get me to sign, they offered to refinance in XXXX months, which I agreed to. But I wanted to make sure the refinance was there. 
I was promised the XXXX months refinance, but they did not follow through. Tried to communicate with XXXX XXXX and Central Mortgage Funding, but they would not return texts or calls. They ghosted me, and would not long after sold my contract to XXXX XXXX. 
Earlier this year XXXX XXXX, an investigator from the company contacted me, saying to look into the matter, but then he also ghosted me. 
I am doing this on advice from an attorney in XXXX Michigan to re-submit the complaint. 
XXXX and CMF committed fraud by deception. 
I am retired with a fixed income, making these payments has put me through financial and emotional stress. 
My initial payment was {$1500.00}, they raised it ( behind my back ) to {$1700.00}, which they also lied about lowering the amount I had to pay.
Product: Debt collection

The XXXX XXXX XXXX sent this to a collection agency I don't know any XXXX XXXX I live in XXXX XXXX XXXXXXXX we use XXXX XXXXXXXX I sent the a police report and FTC XXXX and still remains on all three credit reports I want this to go to all three credit bureaus this is not me!!!
Product: Debt collection

Hello Waypoint Resource Group has filed 2 Derogatory marks on my credit. I've attempted to call on 5 separate occasions. The do not answer calls. I've contacted XXXX and XXXX about the mark filed and they've been less than helpful at removing the marks Opened XX/XX/2018. 

Today I just saw they filed another mark. XXXX XX/XX/2018 The say it is for XXXX XXXX   which i assume is cable. I've had XXXX  for 5 years and do not have XXXX cable. 
I've also never received a bill, notification, or even an attempt to collect debt. 

This has caused personal damage to my credit and bank standings. Please HELP XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following items are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 

XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX, NC XXXXXXXX XXXX XXXX  XXXX Balance Owed : {$920.00} XXXX XXXX XXXX Balance Owed : {$360.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$690.00} XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX Balance Owed : {$1000.00} XXXXXXXX XXXX XXXX Balance Owed : {$240.00} XXXX XXXX XXXXXXXX Balance Owed : {$920.00} XXXX XXXX XXXX Balance Owed : {$360.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$69.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$240.00} XXXX XXXX Balance Owed XXXX {$690.00} XXXX XXXXXXXX Balance Owed : {$240.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am demanding immediate action regarding fraudulent accounts that have been wrongfully placed on my credit report, directly resulting from the compromise of my personal information in the XXXX data breach. These accounts were opened in my name without my knowledge or consent, and the resulting damage to my credit is unacceptable. These accounts include : XXXX XXXX, balance : {$1800.00} XXXX, balance : {$3200.00} XXXX XXXX XXXX, balance : {$1800.00} These accounts have caused unauthorized hard inquiries and collections, including : XXXX - XXXX XXXX, XXXX Banks - XXXX XXXX, XXXX XXXX - XXXX XXXX, XXXX XXXX XXXX XXXX - XXXX XXXX, XXXX XXXX XXXX - XXXX XXXX, XXXX XXXX - XXXX XXXX, XXXX XXXX XXXX XXXX - XXXX XXXX, XXXX XXXX  - XXXX XXXX, XXXX XXXX XXXX - XXXX XXXX, XXXX XXXX - 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 XXXX XXXX - XXXX XXXX, XXXX XXXX XXXX - XXXX XXXX, XXXX XXXX XXXX - XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX This is a case of clear identity theft, and I am asserting my rights under 15 U.S.C. 1681c-2 and 15 U.S.C. 1681s-2. Federal law mandates that you remove and block this fraudulent information from my credit report within four ( 4 ) business days. You are also legally required to halt all collection activity related to these accounts immediately. 

Your failure to protect consumer data during the XXXX breach is directly responsible for this situation. This is not just fraudit 's a direct result of your negligence. You are fully responsible for resolving it. Failure to do so will result in aggressive escalation through every legal and regulatory channel available. This is your final warning. 

I expect written confirmation that : The fraudulent accounts have been removed and blocked from my credit report. 
All collection activities related to these accounts have ceased. 
Do not delay. Act now. This matter must be resolved immediately.
Product: Debt collection

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the XXXX XXXX XXXX ( XXXX ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.
Product: Credit card or prepaid card

I have a bank account and credit card with USAA. They told me the best to do is tie my credit card to bank account for overdraft protection. I agreed. Over 12 months ago my automatic insurance payment caused my back account to overdraw. The bank transferred {$100.00} from my credit card to my bank account as overdraft protection. Now for over 12 months I have been paying interest on that {$100.00} as they claim it as cash advance. Over {$400.00} in interest for {$100.00}. Misleading initial overdraft details and over {$400.00} in interest for {$100.00}. Total sham. I spoke with the bank and got no where.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Act XXXX XXXX XXXX  I account # XXXX 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 an account without my written instructions.
Product: Vehicle loan or lease

Us Auto business was closed back in XXXX n transferred loan to Westlake.Westlake does not not the contract between us auto and I
Product: Credit reporting or other personal consumer reports

I am writing to complain to BANK OF AMERICA about the reported unauthorized inquiry on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX, IL XXXX, and my name is XXXX XXXX. My birthdate is XXXX. The FTC report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with XXXX Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.
Product: Debt collection

Recently, I was reviewing my credit report and noticed there was some inaccurate and incorrect information on my credit report. 

XXXX, XXXX has placed a collection on my credit report that does not belong to me, XXXX XXXX. 

According to 15 USC 1651, accurate and correction information must be placed on my credit report as well as a right to privacy
Product: Credit card or prepaid card

This is about the Apple Card and Goldman Sachs Bank. I made a dispute in XXXX and the dispute was overturned in XXXX, but the reason for it being overturned was completely different than the reason I disputed. I disputed the charge because the company didnt honor its return policy, but they overturned the dispute because The merchant provided sufficient evidence that you made the purchase, which was never in dispute. When I tried to get assistance, create a new dispute, or get more details about why it was overturned, their customer service was completely unhelpful. In the dispute email, it said You have the right to see the information used in this investigation. To request a copy, please contact Goldman Sachs Bank USA by chat or phone. They did not provide l that information upon request and I asked multiple times in XXXX.
Product: Student loan

I received a letter from the Assigned Department Document Service Center stating that they could help me consolidate my student loans. I called them and gave them my personal information in order to see what options were available to me. I spoke with XXXX XXXX. She offered me many options and then requested that there would be a fee associated with consolidating my loans. I gave her my personal checking account info but towards the end of the call felt very uneasy and asked to cancel the entire transaction. She got very angry with me and did not want to talk to me anymore. I asked her to send me an email stating that nothing would be processed and she was very reluctant to do so. I am worried that my information may have been compromised. I called them back and they said that as long as I did not go through the " compliance department '' then nothing would be processed and everything would be cleared in 24 hours. I am very uneasy about this and I am afraid they may charge me anyway. I have already called my bank to put a hold on my account.
Product: Credit reporting or other personal consumer reports

I AM A SERVICEMEMBER FILING A COMPLAINT TODAY BECAUSE I HAVE ASKED THE CREDITOR TO DELETE CREDIT REPORTING INFORMATION DUE TO PAYING OFF THE ACCOUNT IN FULL ALONG WITH EXPRESSING THAT I HAVE A SECURITY CLEARANCE IN THE MILITARY THAT I WILL LOSE IF THIS IS NOT DELETED DUE TO IT LOOKING LIKE I AM A RISK AND CAN NOT HANDLE MY FIANANCES, ALTHOUGH I HAVE EXPRESSED THIS CONCERN THEY EMAILED ME AND TOLD ME EVERYTHING ON MY CREDIT REPORT IS REPORTING ACCURATELY WHICH IN DEED IT IS NOT, PLEASE HELP ME GET THIS REMOVED DUE TO ALL INFORMATION I HAVE ATTACHED BELOW TO INCLUDE PAYMENT HISTORY MISSING, ALONG WITH SOME PAYMENT HISTORY SHOWING I AM UP TO DATE ON PAYMENTS, AND ANOTHER REPORT REFLECTING I AM SERIOUSLY DELINQUENT. ALONG WITH INFORMATION MISSING THAT I HAVE HIGHLIGHTED PLEASE HELP ME RESOLVE THIS THANK YOU.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent XXXX/TransUnion/XXXX  a letter disputing the validity of the bankruptcy they are reporting on my credit report. They responded stating that they " verified '' this item through XXXX XXXX. I then went to XXXX XXXX to dispute the item in question and XXXX XXXX was not able to verify the bankruptcy, so they deleted it from their database. 

Then again on XX/XX/XXXX and XX/XX/XXXX, I sent another letter to all 3 credit bureaus and showed them the deleted bankruptcy from XXXX XXXX as well as letter from the courthouse stating they do not report to any agency. The letter is also informing them that if they could not verify how the item was verified, then it needs to be deleted according to the FCRA. Once again, they refused to delete this item which is hindering my ability to purchase a home and causing me to pay thousands more in interest per year. 

Since XXXX, I either got no response to my inquiries or a generic " account is verified '' with no explanation which I ask them to refrain from. 

This item needs to be deleted from my credit report if it can not be verified within 30 days.
Product: Checking or savings account

On XX/XX/XXXX I filed a complaint ( attachment CFPB XXXX ) against BMO for their failure to provide me with a {$100.00} gift card for completing a My Financial Review , which I did, and they responded to CFPB and you put " Closed with monetary relief. '' However, all I got from BMO was an email ( attachment Your Voice Makes a Difference to BMO ) asking how they'd done (?! ) but no email with a link to my {$100.00} gift card. ( I checked my Junk Folder as well. ) I waited until XX/XX/XXXX to give them a chance to send an email with a link to the gift card as they have told CFPB, but still no luck. I reached out to BMO Customer Service and on XX/XX/XXXX at XXXX XXXX I spoke with XXXX who opened up a investigation ( Case Number XXXX ) and XXXX said that I would hear from BMO " ... within five business days. '' I asked XXXX if he would send me an email confirming that the case had been filed, but he stated he was unable to do so. 

It's been 17 business days, and all I've received are multiple " Your Voice Makes a Difference '' survey emails, but nothing whatsoever about my promised gift card. I completed the My Financial Review in XX/XX/XXXX, so we are now seven months into the run around from BMO.

I really appreciate any way CFPB can " encourage '' BMO to complete the fulfillment of my {$100.00} gift card for having completed their My Financial Review seven months ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE WRITTEN TO THIS UN KNOWN CREDITOR, AND ALL 3 CREDIT BUREAU 'S INCLUDING FILING WITH FTC
Product: Credit reporting or other personal consumer reports

Below are attached files of my identity, my report & my dispute letter. I am asking that it be reviewed by a human & not a robot. Please be sure to erase all of the fraudulent accounts from my report for I am a victim of identity theft. The following accounts are coming back verified when I never OPENED IT. Please REMOVE THESE ACCOUNTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, I have XXXX  XXXX in my XXXX, so I have a XXXX doctor and XXXX  office I visit to keep on top of it and in good health ( XXXX XXXX XXXX. ) After visiting the XXXX office multiple times with no issue, I get a bill for {$1700.00} dollars for a test I did not receive. The procedure is called a XXXX XXXX XXXX. I called the office to remedy the problem and woman staff member tells me that this happens from time to time, they will take care of it and not to worry. A month goes by and I receive another bill. I call the office again and remind them of the issue and they tell me once again that it will be taken care of. Another month goes by and I receive another bill. I had an appointment scheduled in 3 days, so I decided to speak with them face to face. I have my regular check up and on my way out I speak to the front desk staff and they tell me that they are very busy and that they can give her a message and remind her of the situation. I left the office and went to work. A few weeks later I get another bill. I make another phone call and now that the account is over 90 days delinquent they proceed to tell me that they will not see me again until the account is paid up. I tell them that this is a mistake again and what the other girls told me and she tells me they will look into it. At this point I don't believe her and am fed up, so I decide to seek a new XXXX. The bills stopped coming for a couple months and I think that the mistake has been fixed. Great right! Nope, that's just how long it took to be turned over to a collections agency ( Holloway Credit Solutions ) and the phone calls to start rolling in. In response to all this I decide to use XXXX XXXX to dispute the inaccuracy and have multiple times, I added a consumer statement to my credit report and now I am filing a CFPB complaint. I just don't know what else to do. The mistake happened so long ago, no one remembers me on the phone and if it is investigated, because the mistake was made by the XXXX   office, it is in my file that I owe this money. I do not owe this money, I did not receive a XXXX XXXX XXXX and I am not going to pay for something I did not receive. Please help .... 

Respectfully, XXXX
Product: Credit reporting or other personal consumer reports

investigation on this account takes longer than 30 days
Product: Credit reporting or other personal consumer reports

I am writing to challenge the reporting and compliance of my credit report. 
15 U.S. Code 1681c2 ( a ) Block 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, not later than 4 business days after the date of receipt by such agency of. It has been 30 days and you are in VIOLATION of this law because i am a victim of identity theft!! Please delete all items mentioned in my XXXX report off my credit report.

These accounts should not be furnished on my consumer report as they are in VIOLATION Under 15 U.S. Code 1681b a ) In generalSubject 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 instructions of the consumer to whom it relates.

I have NEVER given any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report, which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of all accounts listed IMMEDIATELY!
Product: Credit reporting or other personal consumer reports

Information was inaccurate on my credit report for years after several disputes still remain as accurate on my credit report XXXX XXXX and XXXX, Transunion and XXXX destroyed my credit with failure to properly Investigate my credit report and consider to make the right changes to my report, its been a total disaster with them.They continued even to report after account was payed and closed, which I consider to be fraud and major a violation of my rights.This was totally disrespecful to me it just shows me that people fell to do their jobs don't need to be there.
Product: Vehicle loan or lease

Santander Consumer USA continues to to add extra fees on my car loan. I've been charged double for what the car originally cost and they continue to add fees on the auto loan
Product: Credit reporting or other personal consumer reports

A hard inquiry was placed on my credit report which I demand be removed from my credit report.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX XX/XX/year> Equifax XXXX XXXX XXXX XXXXXXXX XX/XX/year> Equifax XXXX XX/XX/year> Equifax XXXX XX/XX/year> Equifax XXXX XXXX XXXX XX/XX/year> Equifax - The following inquiries were not authorized and should not be reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pull my credit and noticed that there was numerous inquiries on my credit report. I reached out to all 3 of the credit bureaus to get them removed. They explained that i need a file a police report or get an identity theft report.I have the FTC report along with my drivers license. I am requesting to have these items removed.
Product: Credit reporting or other personal consumer reports

Credit Card Account has been paid off and closed. Still showing up as open account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair 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  Account Number : 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- states a consumer reporting agency can not furnish an 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: Debt collection

On XXXX/XXXX/16 at approximately XXXX a debt collector representing Atlantic Credit and Finance calls a third party ( my brother ) and shares confidential information regarding credit card debt that I allegedly owe to the company. The debt collector asked for contact information regarding me and my place of employment as well as a personal cell phone number. After he received my personal information the debt collector calls me without identifying himself.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is and has been on my credit report for sometime. I have made several calls to the number on my report with Transunion and on XXXX. I have even disputed the account. 

XXXX XXXX is showing 2 accounts with 2 different amounts. when I called on XX/XX/XXXX, XXXX the lady on the phone said she has my information but does not show her the school. I asked her who received this money and which school did this money go to. 

I informed her that had gone to one school one time and that was for XXXX back in XXXX and that loan XXXX reflects when I was in school starting loan XXXX for XXXX enrollment. 

I have no information on what school this went too along with the many fraud accounts that have been removed from my account. for misidentify. I had inquired about a school one time and never pursued the school because of the false advertising the school provided by me verifying with the XXXX XXXX XXXX XXXX XXXX XXXX on proper certification once completing a course the Board told me that school is not credentialed and it is only a place of business only not a place of education. I never applied to the school. I only inquired about the school. 

But XXXX XXXX on 3 calls lasting 2 minutes could not give me any information on their account on my credit report because I am trying to clear my credit report of debt. 
The lady at XXXX XXXX financial could not tell me why I never received any bills for this account nor any sort of resolution to this account. 
I ask for XXXX XXXX XXXX to be removed from my credit report on Transunion and on XXXX  based on me trying to resolve this account with no answers directly from the company.