23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

ON XX/XX/2019 I SENT BY EMAIL TO XXXX THE DOCUMENTATION REQUESTED TO MODIFY THE MORTGAGE. 

FOR FOURTH TIME NOW, THEY ARE SAYING THAT THE INTERNET PROVIDER DOCUMENTATION IS NOT GOOD AND I NEED TO CHANGE BANK STATEMENTS TO THE PHYSICAL ADDRESS. ALL DOCUMENTS MATCH WITH THE ELECTRIC, AND INTERNET BILL WHICH HAS THE PHYSICAL AND MAILING ADDRESS. 

THIS IS HAPPENING SINCE XX/XX/2019. I REPORTED THIS SITUATION ALREADY. 

THIS IS THE SECOND TIME. PLEASE XXXXNTERVENE./ LOOKS THAT THEY DONT WANT TO FINISH OR GRANT THE MODIFICATION THEY ARE REQUESTING AGAIN 2 UPDATED BANK STATEMENTS BECAUSE THE OTHER ONES ARE MORE THAN 90 DAYS OLD. THIS IS A JOKE FROM THEM. 

PLEASE SEND A RESPONDE TO XXXX XXXX XXXX XXXX FL XXXX.
Product: Credit reporting or other personal consumer reports

I have come across several unfamiliar items on my credit report, which leads me to believe that my identity may have been stolen since I did not authorize these accounts. I have previously reported this issue and am now formally requesting the immediate removal of these unauthorized accounts. Their presence is causing me considerable distress, as they inaccurately represent my credit history and financial management. Resolving this matter has been difficult, and if it remains unaddressed, I am prepared to pursue legal action to protect my rights. These incorrect items are severely hindering my financial goals, including purchasing a home and providing for my family. I urge you to address this issue promptly.
Product: Debt collection

I received a Default Judgment/Cause No. XXXX ( original case number XXXX ) entered on XX/XX/XXXX, from the court of Judge XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Texas XXXX XXXX I never received a citation or notice. I contacted XXXX XXXX 's @ ( XXXX ) XXXX attorney at law to ask if they had received any form of notice about this default, and XXXX XXXX said, " I don't know. '' They no longer are representing me as of XX/XX/XXXX and XX/XX/XXXX. They never kept me updated about case number : XXXX, which is the same case related to Cause No. XXXX. I spoke with XXXX XXXX from Johnson Mark LLC, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, Utah XXXX, email : XXXX with telephone number ( XXXX ) XXXX. I informed her that I never received a citation and no one took my picture signing a citation being served I asked for copies to submit to the court to let XXXX XXXX XXXX know that she is now involved in a fraudulent signature and forgery because I never signed a citation on XX/XX/XXXX, and no one took my picture signing a citation. he said it was served to me on XX/XX/XXXX, which she said I signed and the person took my picture signing the citation. That is a flat-out lie! She sent a dispute out today to the XXXX XXXX XXXX and hung up on me before she answered how long the dispute might take. Finally, I called her back and she had no idea how long the dispute would take to complete. I understand Johnson Mark LLC is known for damaging people to the max. That's fine! As a senior citizen living off a monthly social security payment, I have learned my rights according to SSR 79-4 : Section 207. Time is not on my side and I do not trust waiting for XXXX XXXX with Johnson Mark LLC to keep me waiting without providing me a time frame with this ill-issued Default Judgment. According to all the comments, that I have reviewed... I am not able to trust them. They have involved a judge with a forged signature. This is wrong on many layers and levels. I need a copy of the citation, signature, and photo that was taken to present to my legal representative ASAP! By the sound of her voice XXXX XXXX was ready to release her force towards me.
Product: Mortgage

Talked with Chase Mortgage account person about dropping PMI back in XXXX 2022. Was informed I would need to have major structural repair completed, fill out a form categorizing and describing each major structural repair, than mail in a check for {$150.00} dollars with the form to start the process to get a new appraisal completed to drop PMI. I have completed the Major Structural Repair new roofs on Home, Woods shop, Garage, Guest House, Art Shed, & Storage Shed. Along with several other repairs completed. Filled out the form and mailed in a check with for {$150.00} dollars with the form describing exactly what I was requesting with the funds. Unfortunately after 60 days Chase only refunded the funds and never contacted me to confirm a new XXXX appraisal was ordered. I have completed my portion to get this dropped but the company has not fulfilled their side or promise.
Product: Credit reporting or other personal consumer reports

Please see attached docusadments. Do not close this complaifsnt stating it is not me. I am a natural person asnd a consumer.
Product: Student loan

I was told 5 years ago that in 2020 I could apply for the public loan forgiveness but now after waiting I was told the load I had does not apply. I spent 21 years in the XXXX, XXXX  with a XXXX % VA XXXX, and have been working for the XXXX for XXXX and I am amazed that the Department of education is run by the government advertises such a program that is such a scam to collect more money from people. I was told 5 years ago to keep paying and when I hit ten years to submit well after seeing them take {$350.00} of {$480.00} per month I was told I do not meet the requirements. Why are they allowed to continue this scam program? The way they are treating veterans and public service workers is a crime and has to be looked into. I am asking for your help to point me in the right direction to do this. Please help.
Product: Credit card

I responded to preapproved Citibank credit card offers I received via mail. I was declined when I applied on XX/XX/XXXX [ Hard inquiry on XXXX ]. Then in early XXXX I received another preapproved offer. It was for a different card, so I thought maybe they were qualifying me for a different card??? Declined again on XX/XX/XXXX... I then realized I have a 2nd Hard Inquiry ... .but on XXXX XXXX So 2 hard inquiries and I get nowhere. On XX/XX/XXXX I finally called them because I've received 2 MORE PREAPPROVED OFFERS... they gave me the run around, said a supervisor would call me back within 2 days ... never happened. I received ANOTHER CITI Custom Cash Card Preapproval on Wed, XX/XX/XXXX, so I called again TODAY... finally got to a supervisor... they put it all as my fault when it is not. I am being victimized ( yes, I've both gone online to OPT out and called to OPT out of screenings/offers... but Citi doesn't seem to care and now that they have hurt my credit with 2 hard inquiries and I have even more preapprovals from them and they don't care that they are victimizing me and my credit score ... tell me it's my problem they didn't do anything wrong. I did my research ... and checked my 'soft inquiries ' on all 3 credity bureaus ... CITI has never done a soft pull to preapprove me ... so that eliminates that being their source. I think they are violating numerous consumer protection laws by fraudulently sending me preapprovals when they've declined me 2 times. I have to take a stand. They are obligated by the Office of the Comptroller of Currency to ensure they are utilizing valid data on any preapproved or prescreening Solicitation campaigns. They have violated my rights and, refuse to do anything. I asked that they remove my name from everything related to Citi, they remove the 2 hard inquiries, and that they further carefully reevaluate their credit card solicitations to minimize exactly what I am experiencing. They refused to do anything whatsoever, including excluding me from any solicitations from Citi. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX Re : XXXX, XXXX, XXXX, and Wells Fargo XXXX XXXX XXXX  XXXX XXXX XXXX, SD XXXX Attn : CFPB This account originated with XXXX, which was later acquired by Wells Fargo. This was never a federal or any other government student loan. It was private, and therefore should be off of the credit file after XXXX years from open date of XXXX. Despite my requests, they will not send me the original credit note after you fully verify this with Wells Fargo. If they can not provide this, per FCRA they must remove this from my credit file. 

XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX, I called CitiCard to close out one of two accounts with them. ( Earlier, I had stopped using the card in question and transferred the two " auto-payments '' on the card to another CitiCard I have. ) My request was processed without incident. 

On XX/XX/XXXX, while filing away the last statement I had for the recently closed account, I realized I had {$73.00} in Dividend Dollars associated with this account. I immediately called CitiBank ( XXXX - Dividend Dollars ) to see if they were automatically forwarding the reward money associated with the closed account. 

The agent I spoke with said there were no instructions to send me these funds. Furthermore, CitiCard can no longer forward these funds because the associated account was now closed. 

I objected on the grounds that the agent closing the account never advised me of the associated Dividend Dollars amount. 

Complicating the discussion, was the fact that this account ( as well as the second CitiCard account ) was in my husband 's name. He passed away last year and I have continued to use these cards and pay-in-full my monthly bills. I 'm not clear, but there was some argument that they could not make out the check for Dividend Dollars to a deceased person or to me because I was not the card holder. Curiously, I called to get a check for the Dividend Dollars on the second CitiCard account ( also in my husband 's name ) with no problem!
Product: Credit reporting or other personal consumer reports

I wrote to this company and let them know that I was XXXX  and that these debts were identity theft on XX/XX/2023. I sent this letter again on XX/XX/2023 certified to them after 30 days, and now it has been 2 times I have sent the letter attached and no response. 

this time I have drafted an intended lawsuit as this company is ignoring my rights under the FCRA I also sent them the dates I was incarcerated and tried to differentiate between my name which is XXXX XXXX XXXX and my father who is XXXX XXXX XXXX. 

While trying to fix this myself I found out a company purchased my info and had been using it for years since the XXXX XXXX XXXX. 

So I am complaining because I have given the double mount of time that the law requires.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around  XXXX / XXXX /   17 I was reviewing my credit report and I discovered several HIPPA ACT violations breach of third party  confidentiality. I have never done business with these companies listed. I have never signed a contract or entered into any verbal or written contracts with the following companies  1.   XXXX   XXXX   XXXX    XXXX    XXXX   HIPPA Act viola ted please delete.   2. XXXX   XXXX   XXXX   XXXX  This account has never been validated please delete.   3. XXXX   XXXX    XXXX    XXXX   HIPPA Act violation please d elete.    4.   XXXX   XXXX   XXXX    XXXX  5. XXXX   XXXX   XXXX  #  XXXX   HIPPA ACT  violation please delete.
Product: Credit card or prepaid card

Credit card account open it Fraudulently on my name
Product: Debt collection

I first spoke with them while I was on welfare and financially unable to pay. I spoke with a women named XXXX and her supervisor, a XXXX. They stated that if I paid a part of it they would then help me to place the account in some status where they could not collect, I stated that I was going to dispute the original loan, due to the other party not upholding their side of the contract, and expalined the whole problem to them, they continued to call, sometimes as early as XXXX, they send quite a few emails and letters to my home address. I started to work, and I contacted them to let them know, and again to state that I was going to take the same legal actions other students that had taken against the school we attended, they stated they could help me dispute it, but that they would not be able to unless I paid a portion of the debit. I also stated that I was unable to recieve calls on my cellphone during my work hours as cellphones are prohibited to use at my job, they continue to call during working hours. I have tried to find a way to legally dispute the debitbut all the information I have found advises to seek legal representation, and I am financially unable to due so, I dont know what to do now. I refuse to pay any portion of the debit because I was given false statistics on graduation 's, I was given false wage amounts for the field I studied in the area I lived in, I was also not given my certification that the school had stated would be given, even though I made the XXXX 's List, due to the schools negligence in communicating with the gov't agency that awards the certificates, nor was I given a copy of my transcripts, despite repeated requests for them. I was also not informed that the credits earned at that school were not transferrable, so I cant enroll at another school, and due to being unable to prove I had attended and graduated from this program, I have not been able to work in the field I studied. The school was XXXX XXXX, part of XXXX Colleges, who have now filed for bancruptcy. I am not sure how to dispute the debit, and I have continued to call Navient and explain the situation, I have requested that they transfer me to this dept that they state they have that can assist me in dispiting the debit, but they refuse to do so unless I pay part of the debit. So, I am unsure now, what to do, or what options are available to me. I also feel it is unfair for them to have continued to charge interest among other fees during the time I was on welfare. And there is no contact information that I can find to speak directly with the school.
Product: Credit card or prepaid card

I opened a nordstrom account in XX/XX/XXXX before account changed in XX/XX/XXXXand did not receive notice. When using this card in XX/XX/XXXX transactions were reversed without any notice account was closed and Company open new account just to close it in XX/XX/XXXX terms and condition. Company will no longer give me original XX/XX/XXXX terms and conditions.
Product: Credit card or prepaid card

I, XXXX XXXX, approximately dated XX/XX/2022 was victimized of phone fraud and elderly abuse. I thought I was talking with XXXX XXXX  XXXX personnel, unbeknownst, to me, the caller was asking for my account information and balance, the caller stated that my account was charged {$18000.00} about child XXXX. The unknown caller further stated that he/she can assist me. I was so frightened and disoriented about the charges and such charges as this. The caller stated to further assist me I needed to go to certain places and obtain gift cards in varies amounts to further utilized my own credit card. I went to varies stores and I did exactly what the caller requested in amount of {$2000.00}, i scratched the cards and sent via image over the phone as they had requested. As i realized after talking with my son, I informed my son what had happened, frightened in my mind about the charges of child XXXX, I thought the police would show up at my door. I immediately went to the nearest police station and filed a report. I there after went to XXXX XXXX  XXXX only to be even more victimized. As of XXXX XXXX, I am now receiving debt notices from the collection agency, which XXXX XXXX XXXX XXXXXXXX apparently sold my personal data information.
Product: Credit reporting or other personal consumer reports

I am not liable for this debt of {$640.00} with XXXX XXXX XXXX, XXXX XXXX XXXX Account Number : XXXX I do not have a contract with XXXX XXXX, they did not provide me with the original contract as I requested with my wet signature and ID verification.
Product: Mortgage

The company used negative credit information against me, and did not tell me about it nor allowed me to dispute the negative information. It has now been removed from my credit report. The closing was XX/XX/2023. I contacted the company and they told me about the negative information after the fact.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting act, XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX  XXXX / XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX  XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, BANK XXXX XXXX A, has violated my rights. 

In Accordance with the Fair Credit Reporting act, BANK XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. 


15 U.S.C 1681 Section 602 A. STATES I have a right to privacy. 15 U.S.C 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act the following accounts has violated my rights : XXXX 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

Transunion is deliberately posting inaccurate and incomplete information on my consumer report I will attach both of my disputes along with their response. There are inquires and collection accounts on my consumer report that do not belong to me I asked transunion to provide me with there verification methods for my records to show the procedures used to determine the accuracy of the information reported on my consumer report and transunion disregarded my request. I sent over my drivers license a paystub and also my full social security card to show proof of identity and the negative remarks remain on my consumer report. As we all know it is transunions job to report 100 % accurate information on consumers credit report and they have my wrong address along with mispelling of my name I demand deletion of the negative collections and unauthorized inquires on my consumer report and the correction of a late payment that is on my consumer report immediately.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding TransUnion Reinvestigation Results I am writing to file a formal complaint against TransUnion regarding their handling of the reinvestigation of my credit report dispute. Despite following the appropriate procedures and providing comprehensive documentation, TransUnion has failed to address and correct several inaccuracies in my credit report. Attached is my dispute letter
Product: Debt collection

Someone was able to set up a new account with my information, which baffles me because I had a debt with another carrier that would not allow me to even set up another line of service on my already active account. How this is possible, to set up another account with my information. And the other thing that gets me, is that I am an employee for XXXX XXXX XXXX as well. Which is another oddity to this whole thing. I'm more perturbed by the fact this happened to one of their own employee 's. I would like to dispute this claim from my record, since I would never dream to open up a completely different account when I have a perfectly good one, that I am also very content with. 

The amount that I supposedly owe is {$820.00}.
Product: Credit reporting or other personal consumer reports

I want to submit a complaint in my personal credit report information that is questionable. I was never late on this account. It has been deferred because I'm still in school. Also, how can it be 90 late without first posting 30 or 60 days late? major error. Please verify all info is true, accurate, and correct incomplete name spelling, address of record, etc. 
XXXX XXXX Balance : {$490.00} XXXX XXXX Balance : {$3500.00} XXXX XXXX Balance : {$5700.00} XXXX XXXX Balance : {$5000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently filed a dispute with Experian regarding unauthorized inquiries on my report. Experian did not do a proper and thorough investigation. I was sent a letter stating I had to contact the companies myself. I have contacted the companies and was told to contact the credit Bureaus. I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please have these inquiry removed from my credit file because it is making it very difficult for me to acquire credit. The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order The following credit inquiries are related to none of the aforementioned permissible XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  XXXX   XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX