23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax was hacked and lost millions of American citizens information. I was a victim of this and as such now have to pay not only equifax, but the other two credit reporting agencies as well to freeze my account to ensure no fraud takes place. I should not have to pay to correct a mistake that a large corporation has made. The date I was notified ( through the internet, not from the company ) was X/X/2017. Not only did the company not inform me I had been a victim, I had to go to a website they created to check if I was affected. The website also tries to trick customers into waiving their rights to sue in a class action lawsuit when they are trying to find out if they are a victim or not and is a shady business practice.
Product: Money transfer, virtual currency, or money service

Navy FederaXXXX has been having my funds on hold for over XXXX weeks today, without any trace of the money or progress thats happening. They initially had {$30000.00} on hold claiming they are waiting on a response from another financial institution. They sent {$6700.00} of it back and still have the remaining balance on hold. They have been unable to resolve this matter within a reasonable amount of time. Its been confirmed theres no fraudulent activity happening and they dont give me a response other than we cant give you a time frame when this will be resolved.
Product: Bank account or service

On XXXX XXXX, 2015, someone withdrew {$1000.00} from my Citibank account at an ATM. It was XXXX withdrawal of {$500.00}, XXXX of {$200.00}, and XXXX of {$100.00}, all within about XXXX minutes. I did not make the withdrawals, nor did my sister, who is my joint account holder. We discovered the withdrawals the next day and made a fraud report. The withdrawals were done using my ATM card number and PIN, but I had the card with me at all times. I believe someone created a counterfeit card from skimming my information from, most likely, a gas-pump card reader. Or perhaps it was an inside job. Citibank made an investigation and informed me XXXX XXXX that my case had been " resolved '' -- they told me the money would not be restored because I had the card in my possession and because the activity was " consistent '' with my normal banking activity, which I can assure you it is not. I appealed and they reopened the case ; at this time I also made a police report. Citibank then informed me XXXX XXXX that the case had been " resolved '' again, and stood by its original decision not to restore the money. I appealed again, but was told XXXX XXXX, XXXX more, that the money would not be restored.
Product: Mortgage

My mortgage was owned by BBVA/Compass . PNC bought my mortgage. There was an escrow deficiency ( caused by a tax issue ) causing my payments to go up. PNC explained that once I paid the deficiency down to zero, my mortgage payments would return to the normal, lower amount. Through great sacrifice and hard work, I paid down the defiance, despite the current financial conditions. 

PNC can not and will not give an accurate accounting of my mortgage. Their online banking system is not accurate or current. Their customer service reps claim not to have access to my records and claim I can not have contact with escrow department directly. Their customer service representatives do not do the tasks they claim to do on the phone. PNC insists on handling all matters relating to account errors in paper mail only. This causes an undue delay and disconnect. 

I am also subject to unfair late fees in addition to losing my house.
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 accounts 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 XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$460.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$460.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$460.00} XXXX XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

While checking my personal credit report, I noticed inquiries made by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I did not authorize anyone employed by these companies to make an inquiry and view my credit report. They have violated the Fair Credit Reporting Act Section 1681b ( c ). They are not legally entitled to make the inquiry. This is a serious breach of my privacy rights. I request that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity. If they can not provide me with proof that I authorized them to view my credit report, then I am demanding that you contact the credit bureaus immediately and have them remove the unauthorized hard inquiry immediately. I also request that you remove my personal information from their records. Failure to comply with my requests within XXXX ( XXXX ) business days will be my evidence used in Federal Court of these companies ' willful noncompliance [ 15 U.S.C. 1681n ] and I will be seeking statutory damages, punitive damages and the cost of the action and reasonable attorney fees.
Product: Debt collection

Pursuant to Title 31 U.S.C 3729-3733 of the False Claims Act ( FCA ) LVNV Funding LLC is attempting to collect a debt which is not owed by I XXXX XXXX the consumer. I have no prior relationship or contractual association with LVNV Funding LLC. LVNV Funding LLC was not given authorization or permission to have my SSN number or personal identification information nor did I give them authorization or permission to share this information with any third party vendors. LVNV Funding LLC has obtained my information by aggravated identity theft in accordance with Title 18 U.S.C 1028A. LVNV Funding LLC is fraudulently using my SSN number and personal information to get me to make payments on a alleged debt not owed by using the consumer reporting agencies to extort and coerce me into paying the alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. The name on my credit report currently shows as XXXX XXXX XXXX and it should show XXXX XXXX XXXX XXXX 2. My current address on my credit report shows as XXXX XXXX XXXX XXXX XXXX XXXX, ND XXXX and it needs to show as XXXX XXXX XXXX XXXX, XXXX XXXX, ND XXXX which is my current address. I have tried changing this information with Experian and they have been non cooperative
Product: Credit card or prepaid card

XX/XX/XXXX I used my credit card to paid for gasoline in XXXX XXXX. The clerk said my card was declined. I paid with cash and left. Days later, I noticed there's a pending charge on my Barclay app for the gas station.

XX/XX/XXXX I called Barclay to dispute the charges. I faxed them the receipt saying my card was declined.

XX/XX/XXXX I received a documents from Barclay. There's a copy of the receipt from the gas station with a signature that was not mine.

XX/XX/XXXX I faxed Barclay at XXXX   docs in response. I included the DBO case number in the fax cover and letter. I got a confirmation that the fax was successfully sent from XXXX. My statement was that the signature on the receipt is not mine. I included a sample of my handwriting and a copy of the driver 's license which has my signature. I indicated that the merchant 's receipts is time stamped XXXX and my declined receipt is time stamped XXXX. This meant the clerk ran my card twice and kept the first receipt. He then gave me the decline receipt. There's no other reasonable alternative as to how I received the second receipt less than one minute later, except that the clerk gave it to me as proof that my card was declined.

XX/XX/XXXX I called Barclay. They said there didn't get my fax. The rep verified the fax number and said to try again without the " XXXX  '' and wait 24-48 hours. I sent the fax to XXXX. I got confirmation of successfully sent.

XX/XX/XXXX I called Barclay. Spoke with XXXX. She said they didn't get my fax. She said to try another fax number XXXX and to mail the documents in. I asked why they aren't getting the faxes, when the confirmations said the docs were successfully sent. She said to try the other fax number, wait 2-3 days, and if that doesn't work, they have another method.

XX/XX/XXXX I faxed the documents to XXXX  and sent the docs certified XXXX XXXX XXXX XXXX XXXX to XXXX XXXX XXXX XXXX DE XXXX.

XX/XX/XXXX Having not heard anything from Barclay, I called and spoke with XXXX. She said I have to take the dispute to the merchant, because the merchant provided a signed receipt.

I am a victim of fraud, and I feel Barclay is trying to weasel their way out of this. Barclay is obligate to protect the consumer. If this doesn't work out, I will pursue this matter small claims court plus punitive, no question. Do the right thing Barclay. I have all my documents ready.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$580.00}, XXXX Balance : {$34000.00} XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Two years ago, after purchasing my first home, I suspected the presence of mice in my new home. On XX/XX/XXXX, I hired XXXX for a mice inspection. XXXX offered a free inspection at no charge. They did the inspection and suggested a one-time treatment. They also verbally notified me that the fee for the treatment will be a one-time payment of {$100.00}. I offered cash for the service, and they refused to accept cash. Then I accepted to pay the one-time fee of {$100.00} with a credit card. XXXX crew handed me his XXXX  for the credit card payment and my signature. After applying the treatment, the crew left, and I have not heard from the company. After 3 months, on XX/XX/XXXX, I noticed recurring transactions on my credit card from XXXX. I noticed that XXXX charged me 3 times already, once every month. I called the XXXX customer service asking for an explanation, and they informed me that I have a contract with XXXX and will be charged $ 102 monthly for a year for treatment, with an option to terminate the contract by paying a {$500.00} termination fee. I informed them that XXXX never informed me about any contract, and I neither agreed to such a contract nor signed any such contract. In response, XXXX emailed me a copy of a contract ( Attached ). Upon reviewing the contract, I suspect when the XXXX crew told me to sign for the one-time credit card payment, that was the contract and not merely a signature for payment. I feel they tricked me into signing something I did not agree to. I discussed my suspicion with XXXX over a phone call and requested to terminate my contract without a termination fee as I was not made aware of a contract, and they refused. I called my bank and informed them about this fraudulent activity. My bank refunded me for the two additional months when I was charged wrongfully and placed a hold on future payments to XXXX. I called XXXX on multiple occasions to resolve this issue, and they refused help. In XX/XX/XXXX, XXXX sent this contract to a collection company. I take very good care of my debts and have an excellent credit score. I pay all my bills and mortgage on time every month. I'm seeking your advice and assistance on resolving this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  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 a account without my written instructions
Product: Student loan

I have been making payments towards Public Service Loan Forgiveness for many years and I re-certify my qualified employment often ( at least once a year ). I also have been careful to ensure my loan payments have all been eligible ( IDR ). While I am very grateful that I am now able to log in and actually see which payments have counted towards my repayment I also see that entire 12 months of qualified payments with an eligible employer ( University of XXXX- System ) have not been counted ( XX/XX/XXXX through XX/XX/XXXX ). I raised this twice with my loan servicer both over the phone and via chat ( XX/XX/XXXX ). I have sent the signed employment certification 3 times that includes those missing 12 months. The loan servicer responses continue to neglect including those 12 months. I am so close to discharging two loans. I need your help in getting this resolved.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX # XXXX Account Name XXXX XXXX # XXXX  Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXXXXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX  XXXX # XXXX Account Name : XXXX XXXX XXXX  XXXX # XXXX Account Name XXXX XXXX  # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to correct this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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.
Product: Debt collection

Credit collections is reporting to my credit report a balance that has been paid in full with progressive directly.
Product: Mortgage

I filed a complaint with you about Shellpoint Mortgage Servicing Company. This complaint was because Shellpoint refuses to remove the PMI since I have met the legal qualifications - loan 's outstanding balance is 80 % of the original loan. I received a letter by email from you -CFPB- dated XX/XX/XXXX stating my credit record had been corrected and they would look into removing the PMI. 

However, I received my statement dated XX/XX/XXXX stating I have an overdue balance of {$150.00} on my account. There is no explanation of this charge except overdue payment. I received a telephone call on Thursday, XX/XX/XXXX from a realtor in Georgia wanting to schedule an appraisal on my property. I agreed to it and would schedule later. In the meantime, Shellpoint has returned my original check in the amount of {$150.00} to me in XXXX. ( I paid this fee on XX/XX/XXXX. ) I called Shellpoint Mortgage Servicing on XX/XX/XXXX and requested an explanation of the overdue charge. The agent said, after searching for ten minutes, it was for a BPO. I asked why would they have placed an overdue amount on my account when they returned this money to me without a request from me.. I requested a supervisor and he became very rude. He asked if I wanted to apply the money from the check ( which I did not cash ). He supposedly applied this amount to correct this error. I feel this " so called '' error was done intentionally to cause additional problems for me. This form of retaliation should be illegal but they continue to retaliate instead of solving the problem. 

Please can you find an agency that will make Shellpoint Mortgage refrain from this retaliation and fraudulent claims and remove the PMI which is the legal remedy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently had financial difficulties in which I let XXXX know ahead of time. I sent in all my paperwork but they kept telling it was wrong. Which was not the case. It seemed like they were doing this on purpose to cause me to almost go into foreclosure they even sent me documents for modification on date that was scheduled after I received the papers. They cause more of a hardship than it should have been. So I decided to go throw homesafe GA which took 30 days. 

XXXX put me in bind to ruin my credit it took 4 months for them to get everything together which is entirely unacceptable for banking standards. So they're showing late on my credit profile in error, this was merely their mistake. I did all I was supposed to do ... 
Not to mention I was misguided via one of their employees who advised me not to pay any mortgage until I see if I'm going to get approved for the hardship. 

I have attached a letter that I provide XXXX in XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE BEEN A VICTIM OF IDENTITY THEFT BEFORE. I REMEMBER REQUESTING AWHILE AGO THAT A FRAUD ALERT BE PLACE ON MY CREDIT REPORT. BUT AFTER EXAMINING MY REPORT TODAY, I STILL SEE THAT THERE IS A BUNCH OF FRAUDULENT INFORMATION STILL APPEARING IN MY CREDIT REPORTS FROM ALL 3 MAJOR CREDIT BUREAUS ( XXXX, EQUIFAX XXXX XXXX. THIS FRAUDULENT INFORMATION INCLUDES CLOSED ACCOUNTS, COLLECTIONS ACCOUNTS, WRONG NAME, S WRONG EMPLOYERS, WRONG ADDRESSES AND INQUIRIES. I WILL LIKE ALL THE CREDIT BUREAUS TO REMOVE AND BLOCK THIS INFORMATION FROM APPEARING ON MY CREDIT REPORT AGAIN. IF NOT ALREADY ON MY REPORT I WILL LIKE AN EXTENDED FRAUD ALERT TO BE ADDED ON MY REPORT. I HAVE NO IDEA WHO THESE ACCOUNTS BELONG TO AND I HAVE NEVER RECEIVED ANY TYPE OF GOODS OR SERVICES FROM ANY OF THE COMPANIES LISTED IN THIS REPORT AND IN MY FTC AFFIDAVIT REPORT. I AM A VICTIM OF IDENTITY THEFT AND I HAVE NO IDEA WHO USED MY INFORMATION OR HOW MY INFORMATION BECAME COMPROMISED. 

XXXX XXXXXXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX XXXX XXXX XX/XX/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
Product: Debt collection

I divorced in XXXX, walked away from previous home. In the divorce decree, The ex was suppose refinance home in her name.. The loan of home was in my name ( only ). divorce was final XX/XX/XXXX. XXXX XXXX I was informed that said home had been included in Bankruptcy of XXXX. I had no clue this had happen, but didn't think to much about it, due to the fact I didn't live there an that it was responsibility of ex-wife supposedly!!! Since said time, home is now with second debt collections company, ex never refinanced and debt collections company is using Me as previous owner, collecting money from her to live there and reporting all of this info to credit bureaus, which is illegal I thought because of Bankruptcy law. I've even had conversation about this with debt collections to no avail. I even disputed credit reports with no avail. I have also spoken to different lawyers trying get this matter resolved only to get the run around. What good are laws if debt collections can use Bankruptcy laws against me in this situation, and credit bureau 's seem to side with them.
Product: Debt collection

Convergent Outsourcing claims to be collecting a debt of {$430.00} on behalf of XXXX. I spoke with XXXX this past fall and they could not confirm a debt ever existed. I have not used XXXX service for more than 10 years. Through online research, I believe Convergent is a scam company and they must be shut down.
Product: Credit reporting or other personal consumer reports

I see this account has charge-off status and yet there is a past-due balance on your report. This account also is being reported with different payment history days between XXXX, XXXX and TransUnion.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account information disputed meets FCRA REQUIREMENTS! THEY ARE reporting account as Open and the account is Closed.
Product: Debt collection

This amount of {$260.00} was paid in full on ( approximately ) XX/XX/year>. I have attempted to reach out to XXXX and I did reach XXXX XXXX who verified that there was no balance and no third part company should be attempting to collect. I asked her for verification so I could send to company and because XXXX has gone out of business all of the records are lost. Further making this companys attempt to collect on an expired paid debt malicious. This is XXXX XXXX XXXX and they are trying to ruin my life XXXX for a perceived debt from XXXX  years ago for which the legal statue of law forbids. I want this removed from my credit report now. I intend to exercise all my rights under the fair debt collection practices.