23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My name is XXXX XXXX. My sister XXXX XXXX and I co-purchased and co-own a home at XXXX XXXX XXXX in XXXX California. Our FHA mortgage was necessary because of my sister 's poor credit and being in collections on student loans. Our initial lender was XXXX XXXX who sold to XXXX XXXX. XXXX sold the loan to Selene Finance LP POB XXXX XXXX PA XXXX this spring. My sister set up the online access. On XX/XX/19 I called Selene requesting a pay off amount and learned my demographic information was not provided to Selene when XXXX XXXX set up the online account. Selene advised closing the online account and setting it up again with both of our contact information. When XXXX XXXX learned I contacted Selene she yelled at me that I did not have authority to call Selene. That day she transferred {$12000.00} from our joint account into her personal account and called Selene and told them I was bipolar and not to do anything I asked. The Selene representative I talked to named XXXX told me this when I talked to her on XX/XX/19. Since then Selene has refused to provide me any documents regarding the mortgage and has not answered two emails requesting information. I no longer have online access to the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and corrected for erroneous reporting in my file and are 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
Product: Credit reporting or other personal consumer reports

This is really frustrating, items that have resulted from fraud which I never benefitted from still appears on my report, it is already deleted by both XXXX and XXXX yet you continue to put this false and fraudulent information on my credit. This is absolutely insulting and a defamation of my character, it's stressing me out knowing that my rights are being violated as a consumer. This is already reported to the Federal Trade Commission but nothing is removed.
Product: Credit card or prepaid card

I had an extremely bad experience with Conn 's which led me to close my store credit card and sever all relationships with them. At the time, i informed them to remove my name from all Marketing lists. This occurred over a year ago so they have had plenty of time to process that opt out request. I have since received a Marketing offer from Conn 's which leads me to believe they have not honored my Opt Out. In addition, this mailing does not contain any information on how to opt out of future Marketing mailings.
Product: Credit reporting or other personal consumer reports

This account is no longer open and I did not give this company written permission to furnish my information or obtain my information
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX XXXX on XX/XX/XXXX in reference to two alleged late payments on XX/XX/XXXX ( 30 Days ) and XX/XX/XXXX ( 90 Days ). I reviewed the information that was provided to me by XXXX XXXX and I disagree with this information reporting via Transunion, XXXX, and XXXX. 

I never was late on these accounts.
Product: Credit reporting or other personal consumer reports

DEAR, TRANSUNION I WOKE UP FRIDAY, AND PULL MY CREDIT REPORT JUST TO CHECK MY CREDIT. I THEN REALIZED. I HAVE BEEN A VICTIM OF IDENTITY THEFT... PLEASE HELP ME REMOVE AND DELETE THIS FRAUD ACCOUNT FROM MY CREDIT REPORT. XXXX XXXX XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX, XXXX XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX, XXXX XXXX XXXX XXXX  IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX,
Product: Debt collection

On XX/XX/2023 a stranger pulled up to my home and gave me paperwork from PROFESSIONAL FINANCE COMPANY INC. which at first glance seemed to be court documents for a civil action. Upon further investigation I discovered that the documents are actually Fake court documents ( please see footer of fake document with communication from debt collector ) constructed by PROFESSIONAL FINANCE COMPANY in an effort to deceive me into paying an alleged debt from XXXX XXXX  of {$220.00} plus interest of {$39.00}. PROFESSIONAL FINANCE COMPANY INC is in direct violation of several statutes under FDCPA 15 USC 1692 ( c ) namely 805 communication in connection with debt collection. 
806 harassment or abuse. 
and most importantly, 805 FALSE OR MISLEADING REPRESENTATIONS & 812 FURNISHING FALSE OR DECEPTIVE FORMS.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding a XXXX past due payment that was reported on my XXXX Bank Delaware account XXXX XX/XX/XXXX. I have been a loyal XXXX cardholder since XX/XX/XXXX and have maintained a consistent and responsible payment history for the past 6-7 years, with this being the only late payment on record.

At the time of the late payment, I encountered an isolated circumstance that led to the delay. However, since that event, I have taken proactive steps to ensure that it never happens again, including setting up automatic payments and payment reminders to maintain my excellent credit standing.

Unfortunately, this single 30-day late payment from XXXX continues to negatively impact my credit profile, limiting my ability to secure favorable financial opportunities such as lower interest rates and better loan terms. Given my long-standing history of responsible account management, I respectfully request a goodwill adjustment to remove the late payment from my credit report. 

This adjustment would not only reflect my overall commitment to responsible credit usage but also strengthen my continued relationship with XXXX. I appreciate XXXX history of working with customers who demonstrate responsible financial behavior, and I kindly ask for your consideration in removing the negative mark from my credit history as a goodwill gesture. 

I look forward to a favorable resolution and appreciate your time and assistance in this matter. Please provide confirmation once my request has been processed.
Product: Student loan

I graduated college in XX/XX/2009, at which time I spent months looking for a job, any job, just to make some money. The money I was making was minimum wage and not enough to even begin making payments on due to unwillingness of the lender to work with me on getting me on an appropriate repayment plan. I therefore spent years struggling to make ends meet and being harassed by debt collection calls ( I still receive to this day ) as well as being hit with penalty fee after penalty fee. Less than 10 years later from graduating I am now looking at a loan balance that is now 200 % more than the original balance owed. As soon as I could, a few years later, I attempted to keep my private loans in good standing by paying an agreed upon amount each month. It was a steep amount each month and the representative i spoke with implied that it was also to go towards paying down the principal and no additional fees and penalties would be charged. When I had some life circumstances change and I needed to reduce the payment I was harassed, insulted, patronized and told that " You might as well not pay us anything anymore as it wont do any good. '' It was at that point that I ceased all repayment as no other representatives were willing to work with me. All other personnel I spoke with were patronizing, accusatory, and unhelpful. This is where I find myself today, utterly hopelessly without options and trying to figure out how to get penalties and fees forgiven so I may hope to repay my debt within my lifetime ... but not seeing that presented at all by Navient.
Product: Checking or savings account

Ive called and requested a dispute for a transaction because of the product I received was falsely advertised. I initially received the refund and a few months later they decided that they were going to reverse the dispute. The product I receive was faulty. I sent proof with screenshots and they are not confirming that theyve received my email nor have they working with me to resolve this dispute. 

Due to consumer protections, I should not be charged for the product as the merchant refuses refunds and refused to cancel the order. {$57.00} is directly owed to me and if they reverse it I WILL NOT pay it. I will remove my funds before I pay for a product thats missing tracks and not what was advertised. This is what I sent them with no response : Id explain to you all many times that this album is missing tracks. This was a pre-release version and no full description was really given indicating that the album did not include track  XXXX and XXXX. Anyone who ordered the pre-order version of the album did not include the songs, and no indication was given by the merchant that they would not be included. Once I realize the tracks were going to be missing, I could not return the order. They refuse returns. They refuse canceled orders. This is not good for the consumer. Im more than willing to return the product. I also included screenshots of proof of the missing tracks from the album and how most fans are distressed and also disputing the transaction as well. 

If I had waited until the album truly was released I couldve gotten a CD version that had all the songs the vinyl version that is the XXXX XXXX XXXX album is being released in just a few days with all the songs there Im entitled to my refund because they misrepresented the product that I received by sending me an album missing songs. 

Dont just take my word for it a quick XXXX XXXX will tell you everyone is complaining about the fact that this album is missing these tracks Just so you know, this dispute does not work in my favor. I will be changing my direct deposit and you will never see a dime of my money ever again because this is truly disgusting that Im even having to go to this process.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not received any proof of owing this company and they have not completed their investigation. I have requested information numerous times over a course of months to no avail.
Product: Prepaid card

I filed a dispute for someone using my card and Bank of America taking out extra fees I received a check for XXXX when my dispute was XXXX dollars they lied and said charges where made by me which is completely untrue they denied my irp claim I had to take person loans borrow money from family I am a single mother and this really put me in a bind
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payment status reported on the account XXXX XXXX XXXX XXXX with the credit bureau for several attempts, to no avail.. They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of inquiries below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These are the several times that I have been a victim of identity theft and no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1900.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX.
Product: Student loan

I received a letter from XXXX, informing me I was involved to a law suit with XXXX  XXXX XXXX. Due to their Fraudulent advertisement schemes and promises to Veterans all loans will dismissed. 
I contacted the university, then Mohella whos owns the university as well as the dept of education. And now one knows anything about it but Acknowledge the loan should be removed.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX Date of Birth : XXXX # : XXXX XX/XX/2024 Re : XXXX TransUnion Expedite Complaint : As per the guidance from the Consumer Financial Protection Bureau ( CFPB XXXX XXXX and XXXX letter from an advocacy group helping me due to Human Trafficking debt bondage, which XXXX XXXX XX/XX/XXXX according to XX/XX/XXXXDebt Bondage Final XXXX ( b ) ( XXXX ) - ( XXXX ) -- -- XXXX ( b ) ( XXXX ). 

I have provided my photo ID along with the other required documents. 

I kindly request that you block this information from my credit reports within 4 business days, pursuant to section 605C of The Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the law which I have provided all my documentation as well as victim determination letter according to 1002.142 ( b ) ( 6 ). 

I am a victim of XX/XX/XXXX of Debt Bondage and would like for all listed accounts to be BLOCK AND DELETED COMPANY TRANSUNION LLC. 
1. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. XXXX Account XXXX : XXXX Please remove it from my credit report.
Product: Money transfer, virtual currency, or money service

My bank told me that i can disclose my account and routing number to the app and that they will be able to use it that way and it is doing this with every app i try pnc says they are allowing these apps to work but whenu try to use them it wont allow it to work
Product: Credit reporting, credit repair services, or other personal consumer reports

I have Hard Inquiries on my credit report that wasn't suppose to be furnish on my credit report without my permission, It's stopping me from getting approved for a business Loan, and its a violation against my consumer rights and i know my consumers rights give me the power to authorize the CFPB to delete and remove these Hard Inquiries if i provide my FTC of Identity theft/Fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Karma had a XXXX dollar guarantee if you applied for a credit card and did not get approved. I applied did not get approved and never received the XXXX dollar gift card, I have reached out to this company almost half a dozen times via live chat and they always tell me you will be emailed, and i never receive an email. I submitted a complaint with the support email one week ago and still have not gotten a response. I believe this company may be fraudulently offering a XXXX dollar gift card in order to get you to apply for credit cards.
Product: Credit card or prepaid card

Chase Bank : Lack of due diligence in verifying my identify before dispersing a fraudulent cash advance On XX/XX/2021 My gym locker was broken into on Monday XX/XX/2021 and my wallet was stolen from the XXXX  XXXX at XXXX XXXX XXXX in XXXX. I filed police report for the theft of the wallet with the XXXX police department ( Report # XXXXXXX ). My credit cards were then used fraudulently at the Chase bank at XXXX XXXX XXXX in XXXX to withdraw a {$2000.00} cash advance. I immediately contacted XXXX  XXXX XXXX notified you of the fraudulent transaction and requested a replacement card. 
On XX/XX/2021 I drove to the Chase bank ( XXXX XXXX XXXX ) and spoke in person to the bank manageXXXX ( XXXXX ( XXXX XXXX XXXX ) ) and she in turn spoke to the bank teller who performed the fraudulent transaction. She stated that the individual came into the bank and made an in person " cash Advance '' at the bank tellers counter. Although the individual did not have a PIN number for the XXXX XXXX XXXX Credit Card, the bank teller gave them the money using my stolen driver license and Chase ATM card as identification. The individual was wearing a face mask, hat and sun glasses. 
The Chase Bank Teller did not ask the individual to remove his mask to confirm his identity due to Covid. 
The Chase Bank Teller did not validate the signature provided with the one they have on file. 
The individual also attempted to change PIN numbers on my Chase accounts, which was not allowed and this flagged an alert to the teller who then sent an alert communication to other Chase branch concerning my account. I asked for a copy of this alert notification and Chase stated to was a privileged internal communication and they would not share it with me. 
In addition, the thief also attempted a {$2000.00} withdrawal from my XXXX XXXX account which was denied. I have the email notification from XXXX XXXX concerning that blocked transaction : I have also filed a police report with the XXXX police department XXXX where the credit fraud occurred ( see attached ). 
I tried working with the Chase Bank XXXX on several occasions ( XX/XX/2021 and XX/XX/2021 ) and indicated that the Bank XXXX did not perform their fiduciary responsibility by performing due diligence in verifying the identity of the person withdrawing a cash advance from my stolen credit card. They stated it was simple human error and they cant ask people to take off their masks due to Covid. They said there was nothing they could do.

I feel that Chase bank bears the responsibility for this fraudulent activity by not adequately verifying my identity before issuing the funds from my stolen XXXX XXXXXXXX XXXX credit card.
Product: Mortgage

I signed a promissory note on XXXX XXXX, 2004 with XXXX XXXX and have still not received a certified copy of the original note with the proper endorsements to any other lender, even though XXXX XXXX claims to be acting as Trustee for an LSF9 Trust I know nothing about according to the attached assignment of Deed of Trust. Therefor once again per Section 6 of RESPA this is a qualified written request ( QWR ) for all the documentation pertaining to my note.
Product: Credit reporting or other personal consumer reports

I have contacted theses Companies listed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date- XXXX  Bal- {$4800.00} Acct XXXX XXXX  They took No action after I informed them XXXX XXXX Bal- {$1600.00} XXXX XXXX Account XXXX XXXX They took No action after I informed them XXXX XXXX XXXX XXXX  {$1400.00} XXXX XXXX XXXX XXXX XXXX  They took No action after I informed them XXXX XXXX XXXX, Bal- {$650.00} XXXX Account XXXX XXXX XXXX They took No action after I informed them
Product: Credit reporting or other personal consumer reports

Do not recognize these inquires and i requested the bureau to remove from my credit and these item where not removed. I am providing an identity them report that i am attaching.Please redone all these inaccurate inquired from my credit repoer.
Product: Debt collection

The aforementioned accounts are fraudulent and have been included on my credit report without any legitimate basis. I demand an immediate and thorough investigation into how such blatantly false and damaging information was allowed to appear on my credit report. I was the victim & Im not sure why the CRA is not complying with the law. Im very confused why this one seems to ignore my requests. This situation has not only shocked me but has also created an enormous amount of stress and XXXX  as I grapple with the repercussions of inaccurate reporting on my financial standing. 
XXXX XXXX  XXXX PLEASE DELETE!!!! 
XXXX XXXX PLEASE DELETE!!!! 
It is incomprehensible that your bureau, entrusted with the responsibility of maintaining accurate credit information, has failed to prevent the inclusion of fraudulent accounts. This negligence has not only violated my rights as a consumer but has also tarnished my creditworthiness, potentially causing irreparable harm to my financial future. 
Remove the fraudulent accounts from my credit report promptly and provide written confirmation of their removal. I am appalled by the lack of diligence and oversight that has allowed such a grave error to occur. The impact on my creditworthiness is not to be taken lightly, and I insist on a swift resolution to rectify this situation.
Product: Debt collection

On or around XX/XX/2021, I contacted XXXX in regard to, a mix of credit file information with my deceased father 's information. I filled out an identity theft packet, and I was advised : " the count would be removed from my credit file. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a consumer, a natural person, and a protected person under federal law. 
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX. 
Regarding alleged account # XXXX, XXXX and 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 an account without my written instructions. 
15 U.S.C. 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 
15 U.S.C. 1681 States that consumer reporting agencies are required to ensure that the needs of the consumer are met in a way that is fair and equitable in terms of confidentiality, accuracy, relevancy, and proper utilization of such information 15 U.S.C. 1681c2 : A Block and remove in 4 days.
Product: Credit reporting or other personal consumer reports

I am a victim of personal and private information theft by XXXX data breach. There is one account in my credit report that is directly impacted by identity theft. Immediately delete the disputed account which is directly impacting my constitutional right to contract.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that I had an account reporting that I did not give authorization to. XXXX XXXX is reporting that I owe them a debt. I can assure you I have never heard about XXXX XXXX, have for sure never signed any contract with XXXX XXXX to put my into debt with that company. I asked for proof of a contract I made with them regarding this debt and was provided none. I need this account removed asap or I will be filing a identity theft report.