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

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. Please remove the following items : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX Balance {$0.00} XXXX, XXXX XXXX Balance {$1600.00} XXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX Date of Inquiry : XXXX
Product: Debt collection

Hi Please people I guess there are collection agency by attorneys office trying to sue me and using the language yeah just trying to sue me Be half off I believe XXXX and this is an old account I really contacted them so many times A normal response with me and help me during the pandemic is it weird I am suffering so bad me and my family we can sit for the pandemic COVID-19 And suffering so bad and have very bad They did not help me and now they want to soon take me to court for this whole accounts which is a try to address and inform them that iMessage ration they dont care can you please help me an address in this marriage between them please I will be appreciate
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. The alleged obligation must be referred to the United States for collection of said obligation [ per 18 USC 8 ], not to me. 2. This reporting has not been permitted or ordered by any court, and is consequently being done in violation of [ 15 USC 1681b ]. Any agreements alleging to give permission to report or furnish a report are hereby rescinded for reason of a mistake being made under duress. 3. The debt collector has no wet ink signature of mine showing any agreement to any obligation to engage with me for any reason. They do not have permission to have acquired my location information or any other pieces of Personal Identification Information. Any alleged permission obtained by my signature is hereby rescinded for reason of a mistake being made under duress.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX i sent a letter to experian stating that I was victim of identity fraud with the police report attached. It was removed from the other two bureaus but experian refused to remove the items on my report. 
1. XXXX XXXX XXXX XXXX  Account Number : XXXX identity theft XXXX. XXXX XXXX  Account Number : XXXX identity theft 3. I have no acknowledgement of this account. Clearly this company has made a mistake XXXX Account Number : XXXX identity theft I have never heard of this company nor have I ever done business with them 4. XXXX XXXX XXXX Account Number : XXXX identity theft 5. The following account is not mine XXXX XXXX XXXX XXXX Account Number : XXXX identity theft 6. The following account is not mine XXXX XXXX XXXXXXXX XXXX Account Number : XXXX identity theft
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted TransUnion and spoke a credit rep for them to removed these inquiries that reappeared on my credit report after their " inquiry issue '' and they told me that they would NOT help the inquiries that are listed below were removed off my report and then reappeared without any notification why. 

XXXX XX/XX/2016 XXXX XXXX XXXX XX/XX/2016 XXXX XXXX XXXX XXXX XX/XX/2016 XXXX XXXX XXXX XX/XX/2016XXXX XXXX XXXX XX/XX/2016 XXXX XXXX XXXX XXXX XX/XX/2016  XXXX XXXX XXXX XX/XX/2016 XXXX XXXX XXXX  XX/XX/2016  XXXX XXXX XXXX XX/XX/2016 XXXX XX/XX/2016
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Credit bureau state that theyre not receiving updates monthly. When the other two credit bureaus are updating the same information weekly.
Product: Mortgage

This home was purchased in XX/XX/XXXX. The mortgage company is claiming that they have paid the tax authority taxes dated XXXX totaling {$11000.00}. Additionally, the mortgage company states that they have paid taxes for XXXX for this property in the amount of {$1400.00}. I am requesting proof of payment for the taxes paid for XXXX as copies of checks or copies of the transaction where money was sent to the tax authority. 
The XXXX taxes were paid by me before XXXX/XXXX/XXXX as shown on the property 's tax history payments XXXX ) Furthermore, the mortgage company has paid taxes for XXXX in excess of what was already paid or even worst made a terrible mistake and paid the taxes twice.I have reached out to the tax authority and they have conformed there there is no records of a payment made by the mortgage company for taxes on this property for any year. 

The mortgage company paid these taxes without letting me know and now they have included taxes into the escrow account and they are making me pay for taxes that have been paid and were not owed. 

I have contacted Dovenmuehle since XX/XX/XXXX of XXXX over 30 times about this issue but they have not provided any information about the payments made nor they have reached out to the tax authority to fix their mistake I am requesting the Mortgage company to please provide copies of the checks sent to the tax authority as well as payment receipts of the taxes they claim they have paid for the XXXX period. 

The closing company legal team and myself have reached out to the taxing authority and the taxing authority confirmed that they have not received payment form the mortgage company because there were no outstanding taxes as claimed by the Mortgage company. 

The Mortgage needs to send me information of the payment made to the tax authority like cancelled checks or payment receipts. The closing company lawyer spoke to XXXX XXXX at the Tax Authority of New Orleans and Mr. XXXX confirmed that the taxing authority does have any records of the Mortgage company sending such payments, nevertheless, I am being charged with taxes that the mortgage can not show proof of payment like cancelled checks or payment receipt.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 




XXXX XXXX XXXXXXXX Account Number : XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ). you are required by federal law to verify through the physical verification of the original signed con- sumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. 
( Collection ) XXXX XXXX XXXX ( Inquiry ) XXXXXXXX XXXX XXXX  Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove these accounts.
Product: Student loan

I have been a XXXX XXXX for XXXX years. I am attempting to participate in the PSLF program waiver. I must first consolidate my loans. My only option was to do this through Fedloan. I submitted my application in XXXX or XX/XX/XXXX. I listed my loans that I wanted to consolidate as being held by XXXX, which they are. Fedloan, however, changed the loan holder to XXXX then cancelled my application because XXXX didnt have any eligible loans for me to consolidate. I literally spent hours on hold trying to get someone at Fedloan to assist me with no success. I then sent an email on XX/XX/XXXX. On XX/XX/XXXX, Fedloan responded that I must submit proof of the loans with XXXX. I uploaded that immediately. On XX/XX/XXXX, Fedloan replied that they had reviewed my documents and the loans were valid and qualified and that they would reinstate my application and my loan consolidation would be disbursed within the next 30 days. On XX/XX/XXXX, I checked my status and saw my application had been denied because, The current holder of your loan has notified us that they can not accept funding for this loan. Please contact the current loan holder to resolve the issue. I immediately contacted XXXX and was told that they had sent Fedloan the payoff amount due on XX/XX/XXXX, and there was no problem on their end. 

Of course its impossible to contact Fedloan, although Ive been trying since XXXX, XX/XX/XXXX. When you call youre told the wait is longer than 20 minutes. They offer to hold your place in line and return your call, but the last time I did that I waited nearly 2 hours for a return call, only to be placed on hold for 45 more minutes. Then, Im directed to a person who can never see my account and tells me I need to speak to someone in consolidations. So Im placed on hold again for over an hour. I asked for a direct number to consolidations and they dont have one. 

This program goes away in XXXX. I cant get Fedloan to even accept my application in 4 months.

I work. I do not have hours to sit on the phone. Fedloan needs to correct the situation with my application and they need to answer their phones! Even taking 2-3 weeks to respond to an email is ridiculous.
Product: Credit reporting or other personal consumer reports

Here is the list of fraudulent inquiries : XXXX - XX/XX/year> XXXX XXXX - XX/XX/year> XXXX XXXX  XX/XX/year>
Product: Mortgage

I was approved at XXXX for a loan modification in XX/XX/2019. My loan was then sold to SHELLPOINT MORTGAGE SERVICING in XXXX of 2019. Then my three trial payments got mixed up. The first trial payment I sent to XXXX in XX/XX/2019. I had trial payments set up with XXXX. They were supposed to automatically take the payment out. 

The payment did not transfer over. I realized in XXXX that the payment was not withdrawn and I called SHELLPOINT. They withdrew the automatic payment that was due for XXXX. I should not be considered late SINCE it was within the 60 day transfer period. 

At that time, I set up the next automatic payment to be withdrawn the end of XXXX. Shellpoint DID NOT withdraw the money. Now they are not permanently modifiying my loan. Because of this my  loan is back in foreclosure. It was their fault that they did not do the automatic payment. I tried to have the woman take the payment out and nothing. 

I need help getting this modified permanently.
Product: Debt collection

3 years ago i tried to go XXXX. And first day i paid more than {$1000.00} and they said you have to pay every session. After first day my skin got problem and i got XXXX to the laser machine and doctor told me don't do laser for at least 2 years and I called to XXXX XXXX XXXX and i explained my problem and they said no problem and they cancelled my session. And after i don't know how many months other credit company called me and said you have to pay more than {$2000.00} and i explained to them and they said we need XXXX cancellation documents and i called XXXX they said already we sended email and again credit company called me and they collected me for nothing. They have problem together and i tried to get help from the collect company nobody help me. I have no debt
Product: Money transfer, virtual currency, or money service

To whom it may concern : On XX/XX/21 at XXXX hours. My husband received a text message which claimed to be from JPMorgan Chase bank asking about fraudulent activity on our Chase account. He replied stating it was fraudulent and received another message informing me a representative would be contacting him shortly. He received a phone call from XXXX which is the customer service line from chase bank. He answered and a well scripted young man by the name of XXXX XXXX emp # XXXX asked all the right questions about a fraudulent XXXX transfer for {$2000.00} to a XXXX XXXX. He informed my husband in order to reverse the charge he would have to send himself /myself a XXXX transfer for {$2000.00}. He gave my husband a fake email and asked if it was mine, my husband replied no and he asked what email address to change the account to my husband then sent himself/myself in XXXX the money. When he gave him the email address we promptly received 2 emails from chase bank informing me of a change of email on the account. XXXX XXXX also gave confirmation number XXXX for fraud compliant. Everything looked normal until we logged into my account and saw only 1 transaction sending {$2000.00} to myself which- XXXX XXXX I never received was a debit not a credit or reimbursement. About 30 minutes went by and I became nervous and called the bank, they informed there was no record of a call made to my phone on their end and that I had been scammed. When I asked about my money I was told there is little to no chance I would get it back unless the bank could find the person that scammed me. I immediately filed a police report. I, XXXX XXXX went into the bank on XX/XX/21 to ask about reimbursement and was told that since my husband authorized the transfer ( not knowing it was a scam from a spoofed XXXX number pretending to be the bank ) that we were not entitled to reimbursement. Again, my husband XXXX did not authorize any transfer, he was coerced through the fear when was told a transfer of {$2000.00} was PENDING to clear our account that WE DID NOT Authorize. The proposed fraud bank employee, " XXXX XXXX '' led and aided my husband on FALSE pretenses in step by step instructions on how to REVERSE this so called pending {$2000.00} transaction through XXXXChase App . This fraudster diverted this payment/transfer to himself even though the Chase account states money was paid to XXXX XXXX XXXX never received ANY Money... The money was taken out of our account which is FRAUD. As the XXXX - XXXX XXXX law states, when a person is a victim of a scam like this, it limits the liability on the consumer when money is transferred/ or consumer is coerced/ induced into transferring money even if the consumer agreed to it on false pretenses. We have reached out numerous times, in person-XXXX XXXX Chase bank XXXX, AZ, via phone-spoke to XXXX, XXXX, have left messages with XXXX  XXXX at Chases Executive office out of XXXX, OH with no avail.
Product: Credit reporting or other personal consumer reports

My information was exposed in the XXXX and XXXX XXXX and XXXX XXXX Equifax data breach. I do not realize these hard inquiries. 

XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have the app XXXX XXXX to keep track of my scores. I recently logged on and saw unknown suspicious accounts that were open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. 

XXXX XXXX  XXXX {$440.00} XXXX XXXX XXXX {$940.00} XXXX  XXXX {$660.00} XXXX   XXXX XXXX XXXX {$1900.00} XXXX XXXX XXXX XXXX {$38.00}
Product: Mortgage

Dear Consumer Financial Protection Bureau, I am filing this complaint against Flagstar Bank regarding a failure to properly handle my escrow tax payment, resulting in financial penalties and undue stress. Below are the details of the issue : What Happened : I had a mortgage loan with Flagstar Bank which has recently been sold to XXXX XXXX XXXX Bank starting XX/XX/XXXX. My property taxes are paid through escrow, and XXXX is responsible for making timely payments to the XXXX XXXX XXXX XXXX. 

In XX/XX/XXXX, I received a tax statement from the XXXX XXXX Tax Assessor ( Tax Account : XXXX ) showing a total due of {$2800.00}. However, Flagstar Bank initially omitted this tax payment, stating they only had XXXX parcel on record. After confirming the parcel information with XXXX XXXX, Flagstar Bank assured me that they would make the correct payment. 

In XX/XX/XXXX, Flagstar Bank reported that they had made the tax payment. My XXXX online statement reflected a payment of {$2400.00} instead of the full {$2800.00}. Upon noticing the shortfall, I contacted the bank, and they assured me that the remaining {$350.00} would be sent to cover the balance. 

Despite these assurances, the XXXX XXXX XXXX XXXX informed me that they only received {$350.00} and not the original {$2400.00}, leaving an outstanding balance of {$2600.00}, which includes a penalty and interest of {$170.00}. 

Actions Taken : I have made numerous calls to Flagstar Bank seeking resolution. 
I have requested a payment acknowledgment or proof of payment, but Flagstar Bank has failed to provide XXXX. 
I have also reached out to the XXXX XXXX XXXX XXXX, but they maintain that they have not received the full tax payment from Flagstar Bank. 
Each time I contact Flagstar Bank, I am told I will receive confirmation within XXXX business days, but I have yet to receive any documentation proving payment. 
On my latest call, Flagstar Bank stated that they can not provide a payment receipt and directed me back to the tax office, creating an endless loop with no resolution. 

I am extremely frustrated by this situation, as it has caused financial strain and unnecessary stress. XXXX Banks handling of this matter has been inefficient and unresponsive. I request the CFPBs assistance in ensuring that Flagstar Bank fulfills its obligation and resolves this issue immediately. 

Thank you for your time and consideration.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under Fair Credit Reporting Act, its against the law a debt collector to sale or report the same debt multiple times on the same credit report. I have complained about this issue beforehand & the Debt collector XXXX XXXX XXXX XXXX XXXX was removed but reappeared on my credit report. It's states in FCRA once debt collector has been removed due multiple erroneous & it can not put back on the credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

in XX/XX/XXXX I submitted a Consumer Complaint asking for a Complete investigation on 4 Accounts on my Credit profile from XXXX, I sent in the introduction letter along with my identification copies explaining in details how these accounts are not legally supose to be on my Consumer Credit Profile due to inaccuracies and possible fraud and explaining the Laws they have concerning posting wronngful information, Not having Consent, inaccurate information and other reasons. 

I haven't heard anything back from them since XX/XX/XXXX of last year so I sent out another set of complete information asking for a investigation on the same four accounts This year XX/XX/XXXX since I sent the Certified Letter that I have proof of with this letter.
Product: Credit reporting or other personal consumer reports

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
DEPT OF EDUCATIONXXXX XXXX Balance : {$4400.00}, DEPT OF EDUCATIONXXXX XXXX XXXX : {$2500.00}, XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX : {$0.00}, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX I XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/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
Product: Credit reporting or other personal consumer reports

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act.

I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). These accounts are false and falls under XXXX  according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information XXXX, XXXX, Experian.