23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XXXX the XXXX, went to the bank to deposit XXXX cash into the ATM in one of the drive thru lanes. I inserted my card and entered my pin number. Tapped deposit on the screen. Then inserted XXXX XXXX dollar bills. The screen displayed " Your cash has been confiscated ''. I was very frustrated due to the fact that there was nothing I could do about this right then. I am XXXX and on limited budget. The money I tried to deposit was a gift. I really needed this money. Anyway, I went to the branch that I use on XXXX the XXXX. The address is XXXX XXXX XXXX in XXXX, TX XXXX to report this. I reported to a lady named XXXX. I was given a reference number to keep up with the status of the investigation that was to take at least until XXXX the XXXX. I called several times. On XXXX the XXXX, I called and was told that the ATM was not over balanced and I was denied my money. This seems to be very frustrating to me. I would think that the cameras at the ATM could show me there depositing the money. This is no scam! I seriously need my money back!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has violated the FDCPA and FCRA and HIPPA Guidelines. First off my Non-Public Personal information was sold, share, disclose AND ADVERTISED between XXXX XXXX XXXX, XXXX, Equifax, and XXXX. This is Infringement to my Privacy. I recently disputed XXXX XXXX XXXX because laws were broken in regards to my privacy. XXXX XXXX XXXX, Serviced the account on my behalf, which is A violation under FCRA. ~15 U.S. Code 1681q - Obtaining information under false pretenses Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. Also Under the FDCPA Violations were broken as well. ~15 U.S. Code 1692 - Congressional findings and declaration of purpose The Unfair Debt collection practices and Misuse of my NON-Public Personal Information being disclosed and shared without my consent. They committed a HIPPA violation by sharing and disclosing my PHI without my consent. While being an uninformed consumer during these Transactions, it has caused damage to my reputation and livelihood.
Product: Debt collection

I received a letter in the mail on XX/XX/2021 from the Transworld Systems Inc. However, because I am a XXXX, I didn't check the mail until yesterday on XX/XX/2021. 

The letter is a collection notice of an attempt to collect a debt of {$150.00} to XXXX XXXX XXXX XXXX. 

I have no idea what this debt is about. I've tried contacting XXXX and XXXX XXXX but I can't get through to an actual person. 

I will be sending a validation letter to XXXX XXXX today.
Product: Mortgage

PLEASE ALLOW US TO ADD INFORMATION I LEFT OUT OF MY ORIGINAL COMPLAINT IN REFERENCE TO : Case number : XXXX LENDER IS NATIONSTAR MORTGAGE LLC AND IS THE SERVICER XXXX WE ARE ENTITLED TO ALL OF THE REQUEST FOR DOCUMENTS BECAUSE THE SERVICER IS ALSO THE ORIGINAL LENDER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NATIONSTAR MORTGAGE XXXX XXXX XXXX XXXX XXXX CORP***LENDER, NATIONSTAR MORTGAGE LLC XXXX SERVICER XXXX NATIONSTAR MORTGAGE LLC OUR LOAN IS IN THE NAME OF XXXX XXXX XXXX, AND LISTED ON THE SEC GOV ONLINE SITE * XXXX XXXX Bank XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, ( LENDER ) AS PER NATIONSTAR XXXX 2016 IN XXXX LETTER WE RECEIVED XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX # XXXX XXXX XXXX XXXX, XXXX, TEXAS XXXX LOAN XXXX XXXX PROPERTY XXXX XXXX XXXX XXXX, XXXX, DE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NATIONSTAR MORTGAGE XXXX XXXX XXXX XXXX XXXX XXXXLENDER XXXX NATIONSTAR MORTGAGE LLC XXXX SERVICER : NATIONSTAR MORTGAGE LLC XXXX AND THE SAME. 

THE COMPANY HAS COMMITTED PERJURY TO STATE AND FEDERAL AGENCY 'S SUCH AS DELAWARE XXXX OFFICE, CONSUMER AFFAIRS, CFPB, AND US THE BORROWER 'S WITH THE STATEMENT, " According to our records, we do not have any information to substantiate the borrower 's claim that the Unpaid Principal Balance ( UPB ) is {$30000.00} short, Please note that we can not attest to another company 's actions, including how they handle the closings of loans. '' * THIS IS A FALSE STATEMENT XXXX XXXX XXXX, F/K/A CHEC FUNDING, NATIONSTAR MORTGAGE LLC XXXX XXXX XXXX XXXX WHO UNDER-WROTE THE LOAN PRE-SALE, WE WILL PROVIDE PROOF. WE HAVE THE TITLE COMPANY 'S CLOSING INSTRUCTIONS AND NATIONSTAR XXXX XXXX XXXX XXXX XXXX 'XXXX FUNDING LETTERHEAD PER-SALE MORTGAGE COMMITMENT, AND CLOSING INSTRUCTIONS, SIGNED AND DATED. ECT. REGARDING OUR REFINANCE CASH -OUT WE WILL PROVIDE THE DOCUMENTS., PLEASE ADVISE, WE CANT UPLOAD THEM BECAUSE THERE ARE MANY DOC 'S TO PROVIDE, WE REQUEST THAT ALL THE DOCUMENTS FROM NATIONSTAR BE FORWARDED BY MAIL ONLY TO US, AND NOT E-MAILED.
Product: Mortgage

Freedom Mortgage has stolen a total of {$2900.00} from me via extortion since XXXX of 2016. They will not fix the issue despite the fact that several of their members have admitted they have charged to much, admitted that I have overages of {$2900.00}, and admitted it needs to be corrected. The stopping point every time I deal with them, which is bi weekly and has been since XXXX, is a man named XXXX. He is convinced I am wrong even though all of the evidence is on their servers. 

I have tried to resolve this conflict within their company, it is going no where. I have contacted an attorney, who told me to try this XXXX. I am stressed out about this and there is no reason for that. I am only trying to pay my mortgage every month but they refuse to fix their mistakes and continue to send me threatening letters referring to the repossession of my home. As a XXXX XXXX of both XXXX and XXXX I have no problem dealing with XXXX or handling stress, this time however I have no way to manage this. No help has been offered, no apologies, no willingness to fix their mistakes. I am at my wits end, my wife is scared we are going to lose our homes even though we 've done nothing wrong, I am finding it hard to sleep at night since I can not recover the almost {$3000.00} dollars that Freedom Mortgage has extorted from me. 

I work hard for my earnings and I live within my means however, I can not afford to keep being charged money each month to a corrupt organization that is criminally negligent in their matters. This is not a hard mistake to see, it is simple math. We begin with a giant total ( our house ) and subtract out monthly amounts ( mortgage payments ) until the grand total owed is {$0.00}. For some reason, somewhere between the steps of subtraction and honest reporting, Freedom Mortgage crossed the line. I am sick of this company, I am sick of being extorted, being bullied, loosing sleep, and having to console my wife that we will not lose our home. Not to mention the missed hours in work time I have had to skip in order to deal with Freedom 's inability to fix their own mistakes. I work by the billable hour, so missing 3 hours a week dealing with them adds up quickly. 3 hours a week ( conservative estimate ) x 4 weeks a month = 12 hours a month ; which would be just a hair over {$1000.00}. Again, another sum of money I do n't have because of this horrid organization. 

Please help us, we at our wits end and do not know where else to turn. We are good people who have paid our mortgage every month and have been taken advantage of.
Product: Checking or savings account

Greetings, My name is XXXX XXXX XXXX. 

I have been banking with J.P. Morgan Chase and have been a victim of bank fraud, prejudice, and discrimination. I recently had an account closed for no good reason. This account, I was told when I called was put on restriction. I was then told to bring them account to a good standing within ten days and the account would not be closed. I had made a promise to the customer service representative and they had made a promise back. A verbal bilateral contract. I went into a branch with XXXX XXXX dollars and brought the account to good standing. The bank proceeded to close my account. After the account was closed they offered to open a new account for me but ran the application process and I wasn't able to open a new checking with them after they ran my application. I am considering seeking compensation through representation. Considering, banking institutions only arbitrate mostly and hold a privatized kind of justice, I wanted to inform you about this matter. It is completely inexcusable. I have done nothing wrong and they have stripped me of my debit account, prematurely and with prejudice. I want compensation for the psychological affect this has had on me. I no longer trust them and I feel as though I am under attack by a large corporation. I am merely an amateur and J.P.Morgan Chase has given me an anxiety disorder. The pain and suffering my financial and mental well being are going through while resolving this matter is of my primary concern. The damage I feel is worth a settlement of at least XXXX XXXX dollars. I was treated poorly by customer service and I was victim of predatory banking. I am distraught and suffering. 
Regards.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report. I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. 
I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts there is some inaccurate information reporting. 
XXXX XXXXXXXX Delete this account. 
there is some inaccurate information reporting. 
XXXX XXXX XXXX Delete this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

inqiry from the following companies I did not authorize. I was not trying to purchase anything. 

XXXX XXXX date of inquiry XX/XX/2022 XX/XX/2022 XXXX XX/XX/2022 XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXXXX/XX/2022 XXXX XX/XX/2022 XX/XX/2022 XXXX XXXX XXXXXX/XX/2022 XX/XX/2022 XXXX XXXX XX/XX/2022 XX/XX/2022 XXXX XXXX XX/XX/2022 XX/XX/2022 the above inquiries were never authorized i was not purchasing anything and i reached out to all the companies and noone had any information or credit apps from me. 

i want these removed .asap
Product: Debt collection

Southwest Credit Systems refused to remove identity theft item after both a police and ftc report where made regarding the alleged debt. Companies like this should be more regulated. Changing get dates and account numbers for the debt as they snap their nose at anyone who tries to regulate them
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment XXXX, you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX Original creditor TX XXXX XXXX XXXX XXXX Balance : {$190.00}, XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00}, XXXX XXXX XXXX XXXX  XXXX XXXX Creditor Name : XXXX XXXX XXXX XXXX TEXAS ) XXXX Balance : {$80.00}, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX  Inquiry : XXXX XXXX, XXXX, XXXX 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 XXXX XXXX Inquiry : XXXX. XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX
Product: Payday loan, title loan, or personal loan

In XXXX of XXXX we entered into an agreement with another company, XXXX XXXX, to install solar panels on our roof. At some point during the permit process, XXXX XXXX and their partner XXXX XXXX XXXX XXXX, became involved without our knowledge. XX/XX/XXXX XXXX XXXX XXXX our contract and Loan with Sunlight Financial for {$35000.00}. On XX/XX/XXXX, a man named XXXX showed up at our house. My husband asked if he was with XXXX XXXX and he said yes, he was with our solar project. He then had us complete paperwork for a project change and finalizing certificates with XXXX XXXX. When I received the emails with documents to sign electronically, he picked up my phone and hit next on everything without allowing me to read it. And it turns out that what he did was submit a loan to Mosaic for {$42000.00} and contract in my name for a solar project with XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX which this company then completed and their product on our house. We now have the wrong solar panels installed on our house and an additional loan we didn't want. 

Mosaic was notified that we were concerned with force conformation with XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX contract and loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for a purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the credit bureau AGAIN & AGAIN that I was the victim of identity theft. Per FCRA section 605b credit bureau are required to remove/block any item listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which 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
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, and someone who acquired my personal information used the information of SSN, name and date of birth to obtain four student loans from Ed Financial. I informed Ed Financial of the identity theft through telecommunications with an associate on their contact point. I was then told to send a discharge application for forgery with attached documentation. I sent the documents as requested and was immediately rejected based on leaving question 17 and 22 blank. question 21 says " Do you know the name of the individual or organization who signed your name, in ink or electronically, without your permission? '' Yes- Continue to 22, No - Skip to item 23.I marked No - skip to item 23. Question 17 asks " When and with whom did you first seek to resolve the forgery? Attach documentation such as copies of letters or emails from prior loan holders discussing your forgery allegation '', I answered N/A since at this time the fist person/company i am asking to resolve this issue is them and this is my first attempt. Additionally I have opened a dispute through XXXX  and they rejected the dispute even though the application used phone number, and addresses not listed through my credit report at the time and only information they relied on to issue the loan was name, Date of Birth and SSN.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up request that I have been a victim of identity theft and that 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 : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$980.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$690.00} XXXX XXXX Balance XXXX {$300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, Back in XXXX of 2021 I requested that all XXXX bureaus Validate and Verify a Bankruptcy that was showing on my credit reports, they verified it as accurate and that the information was supplied by the courts. Well I reached out to the courts and the courts denied that fact that they supply anything to any 3rd party such as credit bureaus, so I ask ... ..how did the Bureaus validate this Fraudulent Bankruptcy? I demand that it is removed immediately because it inaccurate and unverifiable and the bureaus lied about them verifying the information with the courts.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the XXXX credit reporting agency , 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 a personal loan or loans, a credit card or credit cards, and any other accounts from XXXX XXXX XXXX with a balance of {$1200.00}, XXXX XXXX XXXX with a balance of {$600.00}, XXXX XXXX  XXXX with a balance of {$1700.00}, XXXX XXXX XXXX XXXX  with a balance of {$3900.00}. 

These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Vehicle loan or lease

Account opened : XX/XX/XXXX I have had some issues with paying on time and my car was respossed but I had it reinstated. I am back on track and making regular payments every 2 weeks. Ally Auto has been reporting my account on my credit report as closed. This is not true. I have emailed them about the issue. They responded that I needed to call. I called and they said they could not help me and gave me the same phone number I had just called. I emailed them again today. 
I received an email today XX/XX/XXXX from XXXX XXXX that indicated my score went down. When I looked at what changed, it said that Ally reported between XX/XX/XXXX and XX/XX/XXXX that my account was closed. They also added the following remark : Consumer disputes after resolution Redeemed or reinstated repossession Fixed rate. 
My car is not repossessed and the account is not closed. This is hurting my credit score and my chances of helping my son get a parent loan for college this fall.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, an a respect for the consumers right to privacy. 

Any consumer reporting agency may furnish a consumer report under the following circumstances and no other In accordance with the written instructions of the consumer to whom it relates. 

Reporting information with actual knowledge of errors, a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonably cause to believe that the information is inaccurate.

I have reached out to each reporting agency for a resolution but was not able to achieve one.

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 and number of Closed accounts that needs to be removed. 
XXXX XXXXXXXX XXXX date open XX/XX/XXXX. Not my account, XXXXXXXX XXXX XXXX XXXX, opened XX/XX/XXXX. Not my account. XXXX XXXX XXXX XXXX Opened XX/XX/XXXX. Not my account. XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX. Not my account. XXXX XXXX XXXX XXXX, this account should have been paid through my daughter Medicaid insurance. Should not be on my credit report. XXXX XXXX XXXX XXXX Open XXXX XXXX, XXXX, XXXX XXXX XXXXXXXX opened XX/XX/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 instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer repot containing any of the following items of information Any other adverse item of information, other than records of conviction 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.