23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I tried to sell the house previously, but it was reported at court as if I had a XXXX mortgage taken out on it ; XXXX got appraised at XXXX. My mother got sick, and she's on hospice currently, so I thought it would be good to have tenants and pay everything. They up and left, no 30 day notice, no nothing. So I hired a cleaning company, the assessment, cleaning, trash removal, etc. That said local company, instead, they MOVED IN. I have informed the mortgage company every step of the way, including the lawyers, and was told to wait, until we can all reach an agreement. I have made an insurance claim for my house, for stolen belongings, property damage, vandalism, theft, and worst of all, them impersonation a federal employee. Due to the squatters being in my house, having to e-file from XXXX, having the extra XXXX ( from XXXX to XXXX ), the payments were missed. I've lived at this address for XXXX years now, no issues. Since I had left, got fines and warning letters from the HoA, due to their irrefutable behavior. The mortgage company said XXXX thing over the phone, and completely different outcome over the phone. I just got the court date letter, with the court date, as wellad a letter informing me of accelerated foreclosure process beginning. Although I stayed in the house for the last XXXX weeks since I got back, fixed it where it needed, and cleaned iaw. Law required, they won't help. I need help, please help... 
The mortgage company is not giving me the option to pay the monthly mortgage and add partial from what I owe, but rather pay it all at once, no other option to work with me. I am a XXXX XXXX  veteran, single mother, and started a business last month, so I could pay XXXX, and pay off the mortgage within XXXX  years. My credit score is very poor now, also due to this being reported to the credit bb and affecting everything else as a snowball effect. I am not being given the chance to remedy as I can as I am able to, for it is impossible for someone to get legally XXXX, and pay off whatever is owed, to get it up to date and avoid foreclosure ( accelerated, since they know it's a profit margin of XXXX, if sold right now ). Please help, please advise, I am willing to do whatever it takes, to save my house, and to stay, in my house, not to be forced to leave, after I had just saved it from being rebuild, due to the damages caused by the squatters
Product: Credit reporting

I have several negative reports including XXXX XXXX card and other issued credit cards that are not mine. I have never owned or been issued a credit card of any kind except from XXXX department store. - Also my s.s card and i.d . Were stolen a few years back and was told that last year my taxes were filed in California where I do not know anyone who lives there that I am in contact with and was unable to get my taxes back until the end of the year because of the issue. My identity has been compromised and my credit is below poor because of these negative things. Also I have a legitimate bad report from sprint. Those are the only things on my report that are mine and I need this taken care of as soon as possible so that I can start rebuilding my name.
Product: Debt collection

XXXX Santander picked my car up, sold it and still charging me the amount I paid for it. Its been over 9 years and they are still charging me over XXXX for a car I no longer have
Product: Debt collection

The information being reported on my credit report is incorrect and the debt does not belong to me. Amongst my many attempts to resolve this issue with the proceeding companies, no progress has been made in lieu of providing the proper documentation, bearing my signature, proving my involvement with the debt being reported. Any negative mark found on my credit reports ( including XXXX, XXXX and XXXX  ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA and FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX XXXX, never gave Experian any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute. 
You also do not have any permissible purpose to furnish my personal information to any third party. 
15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject 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. 
As a consumer, I am demanding a deletion of the following account : XXXX XXXX XXXX
Product: Consumer Loan

On XXXX XXXX, 2016 I went to XXXX XXXX and negotiated a lease for a XXXX XXXX. I signed the contract with them, they delivered the car and assigned the contract to VW Credit XXXX, XXXX On XXXX XXXX the dealer contact me asking more information, which I provided to them. Latter they contact me again because they want to change the contract, but I do not want to change it. I need to pay the first installment and VW Credit do not have me in their system, so I am not able to do it. I contact them and they referred me to the dealer who is harassing me with calls and mails because they want to change the contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

the company kikoff lending llc has been reporting that my account balance is paid up to date but it has been putting the payment history as 120 days late. the fcra says that if there is any incorrect reporting its a full violation and i want for it to be removed and i want compensation of {$4000.00} for the hardships ive have to go through from this.
Product: Checking or savings account

On XXXX XX/XX/year> I deposited {$1900.00} through the atm machine at XXXX XXXX  on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I feel insulted nicely in black and white by chase saying after our investigation.that I only deposit {$930.00} when I clearly deposited {$1900.00} all in {$100.00} bills, now I owe them {$960.00} no way clearly something went wrong somebody miscalculated or you they need to pull the video.cuz that same machine that said it has trouble somebody else use it right in front me, while I was making my claim over the phone still in the bank.something is wrong somewhere who does that filing a false claim in their own account.They took my paycheck that fell in my account this morning and overdrafted my account.
Product: Mortgage

My mortgage services is Residential Credit Solutions. To pay the mortgage only line they charge a minimum {$5.00} fee. Not wanting to pay the fee, I am forced to mail a check every month. the last 3 months, despite mailing the payment in at least 5 days in advance each time, RCS does not process the payment until XXXX+ weeks after the payment has been mailed. They then charge a late fee for receiving the payment after the XXXX of month. They should not be charging a fee to accept an on time payment processed online thorough their website. they claim they are not a bank so there fore they have to use a XXXX party service who charges them fee and the the consumer must pay the fee. they claim they can not control the post office, but it does not take XXXX weeks for mail to arrive to a domestic location. I have now been charged {$140.00} in late fees, plus been forced to pay an addition {$10.00} in online payment fees
Product: Money transfer, virtual currency, or money service

After making numerous XXXX transfers into my Coinbase account, from my bank account. They will not let me withdraw any of this money to the same bank account it came from, with Coinbase saying its an unverified bank account. 

Have I been scammed? 

Keeping someones money against their will is theft, and I have reported their actions to the local XXXX Police authorities. The crime reference number I have posted to the Coinbase support pages.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX XXXX Date of inquiry : XX/XX/2022 XXXX XXXX XXXX Date of inquiry : XX/XX/2022 XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2022 XXXX XXXX XXXX Date of inquiry XXXX XX/XX/2022 XXXX XXXX XXXX Date of inquiry : XX/XX/2022 XXXX XXXX Date of inquiry : XX/XX/2022 XXXX XXXX XXXX Date of inquiry : XX/XX/2022 XXXX XXXX XXXX Date of inquiry : XX/XX/2022 XXXX XXXX Date of inquiry : XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX FIN 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
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account name : XXXX XXXX XXXX XXXX XXXXXXXX XXXX reporting closed and delinquent, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX or XXXX ( collection agency ), XXXX XXXX or XXXX, and XXXX XXXX I have requested via the collections agency and credit agency 3 times to provide information no repones just came back verified and 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 a 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: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had one late payments on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments, I've attached a copy of my report to this complaint on the following date XX/XX/year>. I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive noticed unauthorized inquiries AND an account on my report OR someone applied for something in my name. AND Fair Credit Reporting Act ( FRCA ) requires all unverified and unauthorized items must be removed from my credit report. Also, My information might have been impacted by the XXXX data breach and may have got into the hands of the wrong person. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX XXXX. XXXX
Product: Credit reporting or other personal consumer reports

I requested validation from equifax, XXXX XXXX XXXX that my mortgage payment was late for the month of XXXX as well as the day they claim it was reported. None of the XXXX bureaus provided me with proof of a late payment nor did they provide me with the actual date the derogatory was published. Instead they sent me a copy of my credit report to review.
Product: Credit reporting or other personal consumer reports

I received a {$1000.00} limit from XXXX XXXX XX/XX/XXXX XXXX interest for 24 months, 8 months later XX/XX/XXXX without any warning my credit limit was reduced to {$750.00} and closed ; which impacted my credit score by more than XXXX points. According to the promotion I had XXXX  years to pay without interest, so I made minimum payments XXXX days early never later, no payment arrangements, or technical payment issues. Therefore, my account should never have been reduced and closed without warning. The company maliciously sabotaged my account with prejudice based on XXXX I made the minimum payment amount offered, and never gave any indication, that I would not comply with the XXXX interest XXXX year promotion. On XX/XX/XXXX I paid the balance in full, and the promotion doesnt expire until XX/XX/XXXX.
Product: Debt collection

This correspondence is regarding Convergent Outsourcing, which claims I owe a balance of {$2400.00}. I have requested validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I have requested validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay. 
Any and all negative mark found on my credit reports ( including XXXX, XXXX, XXXX, and any other credit reporting agency they have reported to ) for a debt that I dont owe, is a violation of the FCRA & FDCPA. 
I have been harassed by calls daily. Each time I ask for verification and ownership of the debt, and nothing has been provided and if they can not validate the debt, Convergent Outsourcing must delete all entries with all credit reporting agencies. 

Please Note : This notice is an attempt to correct records, and any information received from you will be collected as evidence should any further action be necessary.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I applied for a XXXX Credit Card, which resulted in a hard inquiry from XXXX, as you can see attached. I just checked my Experian credit report and it also shows a hard inquiry from XXXX on the same date. This never occurred. I spoke with four senior managers at XXXX XXXX, including their fraud department. They confirmed that XXXX did not pull my Experian credit report. This is an error and XXXX is acting illegally by negatively impacting my credit score until XXXX based on a credit pull that never happened.
Product: Checking or savings account

I opened my business account in XXXX in New York and it was operating normally. Within the next couple of weeks I received XXXX wires for services rendered. Almost XXXX weeks later I attempted to use my account to send a wire and ended up getting error messages and a message to call a number to verify the transaction. The representative verified my information but I didn't re-attempt the transfer. The following day I was locked out of my account without warning or reason and told that I would receive a check for XXXX XXXX  in 60 days which is ridiculous being that I have funds sitting from two separate wires about to get lost or stolen by Citibank for no apparent reason.
Product: Credit reporting or other personal consumer reports

I recently recevied a copy of my ( XXXX, XXXX and Transunion ) consumer report, and I noticed some late payments posted on my consumer report : account ending in XXXX, late payments reported on, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX. XXXX XXXX XXXX is in clear violation of the law. Pursuant 15USC1681 a 2 ( A ) ( i ) -EXCLUSION- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s-3 of this title, any - ( i ) report containing information solely as to transaction or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions between the consumer ( ME ) and the person ( YOU ) ( XXXX XXXX XXXX ) Making the report is not INCLUDED on my Consumer report!

YOU HAVE VIOLATED THE FCRA 15USC 1881a 2Ai by reporting this transaction or experience on my consumer which CONGRESS clearly sates IS NOT included on my CONSUMER REPORTS.
Product: Credit card or prepaid card

My minuim payment due has been {$35.00} for quite sometime and for higher balances than the one i currently have. Chase claimed they sent a letter in XXXX stating the increase would take effect after XXXX. Card holders had to XX/XX/XXXX not to accept these terms, close their card account and keep their miniumn payment at $ XXXX  monthly. I never got the letter and was just told even if I agree to close my account i still have to pay $ XXXX monthly because i missed the deadline. 
I'm XXXX old on a fixed income and {$5.00} a month more to pay is a lot to me. Even if I could afford the increase I am still going to file for bankruptacy because I am done with the XXXX banking system in Amereica! At the height of a pandemic Chase bank felt justified to squeeze even more money out of it's clients. They're XXXX! I hold our government responsible for being the enablers of these XXXX   because for decades both Dems & Reps have XXXX the XXXX  of bankers granting them whatever they wanted! I never wanted a credit card in the first place and only got my first one at age XXXX simply because a Chase banker insisted i needed one to raise my credit score.That 's a rigged system! I see America as the dark force of the world not the beacon of light it pretends to be. Most of the world is now realizing that too!
Product: Credit reporting or other personal consumer reports

Good morning! I am having an issue with Equifax and my 3 XXXX XXXX accounts not being reported. This basically shows now that I have no credit history thus hurting my overfall history. 

Ive reached out to XXXX  XXXX and they said they have been reporting, which they do show up on my XXXX and XXXX. 

I spoke to Equifax and they just tell me to call XXXX  XXXX. Im getting nothing but run around. 

Ive attached copies of my credit card statements. And Ive attached pictures of the accounts being listed on XXXX and not being listed on Equifax. 

Please help!
Product: Bank account or service

My family has been a customer of Bank of America since XXXX. Even though from XXXX my family moved to XXXX states, I always keep my account and a deposit box with BoA. In XXXX fall, my family moved to XXXX, I transferred my deposit box at a branch of BoA. I 'm writing this letter because I loss a big amount money at this BOA branch. I have reported and provided all details of my experience to Bank of America for their investigation. However, no one reposed to me. I have to write a letter to XXXX XXXX ( President, CEO ) in XXXX XXXX. Then I received a letter from XXXX XXXX ( Customer Advocate, Office of the Chairman and CEO ) on XXXX XXXX, XXXX. In this letter, it said that " please allow a minimum of 45 days for a complete investigation to take place. You will be notified by mail of the decision. '' At the meantime, a lady called me and told me the same point of view. Nowadays, Time has passed 200 days, and I have not got respond from BoA. Therefore, I have to complain this accident to you. 

Incidence : On XXXX XXXX, XXXX morning about XXXX : XXXX, I went to open my safe deposit at Bank of America XXXX VA XXXX - XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, VA XXXX, XXXX. I found that an envelope retaining {$10000.00} in cash that was supposed to be in the safe deposit box was missing. Last time I checked the safe deposits box this branch ; the cash was still in the box then. The register card showed that none of the signers or owners has accessed the safe deposit box.
Product: Credit reporting

Transunion had a computer glitch and removed all of my inquires and a week later put them back on, with out informing me. By law they only have 5 days to inform me and since they did not they broke the law.
Product: Checking or savings account

Being charged over draft fees that didnt apply to me and getting charged monthly fees I was told I would never have
Product: Debt collection

Date : XXXX XXXX To Whom It May Concern : I noticed that you are reporting inaccurate information on my credit report and that you keep verifying this account when its clearly inaccurate. This letter serves as a DEMAND to validate this account XXXX : Account Name & Account Number : Please provide me with the following : ( 1 ). Full accounting for this account : ( 2 ). Copy of the assignment of purchase from the creditor ( 3 ). Every charge and what was purchased, fee, payment, credit, interest ( 4 ). How you calculated what you claim I owe ( 5 ). ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) ( 6 ). Full chain of assignments from charge off to present ( 7 ). Proof that you own the debt with full clear title ( 8 ). Proof that you were on the original contract ( XXXX XXXX XXXX XXXX XXXX ) & ( XXXX XXXX XXXX XXXX XXXX ) If you cant provide me with sufficient proof as listed above, then you must delete the above account from all three credit reports ASAP. Let me remind you of the law : according to FDCPA 809 ( b ) furnishing, verifying and updating is considered collection activity. If you verify this inaccuracy from the credit bureaus without providing me with all of the items listed, you will be in violation of the law which carries a fine of {$1000.00} per violation. My attorney who specializes in suing debt collectors will be on standby waiting for my instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is account is reporting inaccurate information XXXX XXXX # XXXX on XXXX, Equifax, XXXX. 

On Equifax reporting Exceptional History not late payments ; however reported as a Charge-off ... On XXXX reporting as " Unknown Payment History Charged-off as bad debt ''. Reporting on XXXX  with incomplete payment history and as Charge-off with a balance. 

Please remove this account as your violation of the Fair Credit Act 611 as this information is inaccurate.
Product: Money transfer, virtual currency, or money service

I have an open account with Bitstamp.net and went thru their verification process in XXXX and was approved-I performed several transactions in XXXX but on XXXX XXXX, i tried to deposit more funds and the website said deposits are not available. I contacted them several times to no avail. When i tried to withdraw funds, I received the same message. For over a week, I have been calling and sending emails daily to no avail. As they have a corp address in NY, i filed a complaint with the Dept of Banking in NY and today was referred to this site