23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I received a letter from Mohela on XX/XX/XXXX stating Congratulations! The Biden-Harris Administration has forgiven some or all of your federal student loan ( s ) with MOHELA in full. This debt relief was processed as part of the Biden-Harris Administrations one-time account adjustment because your student loan ( s ) have been in repayment of at least 20 or 25 years. An adjustment to your account updated the number of payments that qualify towards income-driven repayment ( IDR ) forgiveness. This forgiveness is effective as of XX/XX/XXXX. 
I have called Mohela several times enquiring about the timeframe it would take for this to come off my credit report and I was told that it could take up to 3 months. I have checked my report every month sense receiving this letter with no change. Customer service with Mohela can not tell me any date and keeps giving me the runaround transferring me to different departments but no answers are given. It has been 6 months and I feel that is ample time to have this issue resolved and my credit report should be updated to reflect the loan has been forgiven.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXXXX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax
Product: Credit reporting or other personal consumer reports

PLEASE SEE ATTACHED DOCUMENTS INCLUDED WITH MY FTC REPORT 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

to whom this concern a number of my rights have been violated 15 u.s code 16813 15 u.s code 1681i i have disputed these accounts and some how they still get verified online but meanwhile you guys send me letters asking for my social saying you cant find the accounts how is this possible if your getting your information from the same people i was incarcerated at time of these accounts i need these accounts and address removed expeditiously XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/ XXXX XXXX XXXX XXXX XXXXXX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/year>, I entered into a contract with XXXX for a home security system. From day XXXX, the system has been plagued with issues. A defective XXXX door lock, a nonfunctional garage spotlight camera, and unreliable cameras have rendered the system essentially nonfunctional. Additionally, the XXXX XXXX XXXX caused my garage door to open in the middle of the night, posing a major safety risk until a XXXX advised me to disconnect it. 

Despite numerous calls to XXXX customer support, the issues remain unresolved. I was assured replacements ( e.g., door lock ) would be ordered, but this never occurred. The XXXX representative, XXXX, aggressively rushed me into the contract, falsely claiming I had a year to cancel penalty-free and that Vivint supported XXXX families with easy cancellation due to " XXXX XXXX XXXX. '' Both were lies. 

XXXX has breached its contract under Section XXXX of the agreement, which states : " XXXX warrants that the equipment will be free from defects in materials and workmanship for XXXX year following installation. Defective equipment will be repaired or replaced at no cost to the customer. '' Despite multiple attempts to request replacement for faulty equipment, XXXX has failed to fulfill this obligation, leaving me with a system that has never functioned as promised. 

XXXX is now threatening to charge me over {$XXXX} for the remaining equipment cost, despite their breach of contract and my continued attempts to resolve the situation. I have made monthly payments in good faith, yet I am left with unreliable equipment and an unsafe home. 

Supporting Information : XXXX has a long history of customer complaints and legal settlements for similar deceptive practices. Their failure to resolve my case reflects a recurring pattern of neglect, dishonesty, and failure to honor their agreements.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE 3 MAIN CREDIT REPORTING AGENCIES ARE STILL FALSIFYING FALSE INFORMATION ON MY CREDIT REPORT.

I HAVE SEVERAL ACCOUNTS THAT NEEDS TO BE REMOVE FROM THEIR DATA BASE FROM MY CONSUMER REPORTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the account in XXXX and XXXX to the Credit Bureau and to the 2nd collection agency that purchased the account. To this date XXXX XXXX has never provided a signed original contract validating the Debt. Last year in XXXX the account was removed from my credit report and placed back on in XX/XX/XXXX. The company keeps claiming they validated the account but as the consumer requesting a copy of the original contract with my original signature which I am entitled, XXXX XXXX continues to ignore my request for this document. 

Recently I just requested information from the listed original creditor which is listed as XXXX XXXX, they provided a letter stating the original delinquency date was XX/XX/XXXX the date of the first missed payment which is about 7yrs ago, also I was provided a copy of a letter from the original 3rd party collections agency which is XXXX XXXX XXXX XXXX dated XX/XX/XXXX so even if this debt were to be validated with an original contract with my original signature this should be off or coming off of my credit report on XX/XX/XXXX
Product: Mortgage

I WISH TO FILE A COMPLAINT AGAINST XXXX. DBA NEW AMERICAN FUNDING FOR UNETHICAL ACTIONS, RESPA VIOLATIONS, & BLATANT BAIT & SWITCH WHICH OCCURRED DURING THE PURCHASE OF A HOME IN XXXX XXXX , NV. ON XXXX/XXXX/2015, SET TO CLOSE ON XXXX/XXXX/2015. 

MY CLIENTS RELIED ON PERSONAL INTERVIEWS, LOAN APPLICATION, A CLASS ON REVERSE MORTGAGES & THE REPRESENTATIONS MADE BY NEW AMERICAN FUNDING & THEIR STAFF. 

ONE DAY PRIOR TO CLOSE OF ESCROW, MY CLIENTS WERE TOLD THAT THEY NEEDED AN ADDITIONAL {$16000.00} TO CLOSE THE REVERSE MORTGAGE. WHEN THEY CAME TO XXXX XXXX THE NEXT DAY, THE LOAN DOCUMENTS, WHICH ARRIVED AT THE LAST SECOND, CONTAINED NUMEROUS ERRORS & INCONSISTENCIES AND THEY WERE GIVEN NUMEROUS ESTIMATED COST SHEETS THAT WERE ALL DIFFERENT, GENERATED DAYS APART. 

THE LENDER, IN SPITE OF PLEADING FROM THE ESCROW OFFICER & MYSELF FAILED TO INCORPORATE THE TITLE COMPANIES FEES & COSTS INTO THEIR ESTIMATES & GAVE MY CLIENTS INCORRECT INFORMATION ABOUT THE AMOUNT OF MONEY NEEDED TO CLOSE THE TRANSACTION. 

IN GOOD FAITH MY CLIENTS WERE GETTING A REVERSE MORTGAGE, PUTTING NEARLY XXXX % DOWN, BUT COULD NOT GET TRUE COSTS FROM THESE PEOPLE. 

WE CHECKED AFTER THE TRANSACTION FELL APART & THERE WERE, XX/XX/XXXX, XXXX COMPLAINTS AGAINST NEW AMERICAN FUNDING FOR SIMILAR REASONS. 

AS A DIRECT RESULT OF THEIR ACTIONS, MY CLIENTS LOST THE HOUSE SURRENDERED {$10000.00} EARNEST MONEY TO THE SELLER, AND PAID {$3500.00} IN TRAVEL EXPENSES TO COME TO XXXX XXXX TO PURCHASE THE HOME. I WORKED DILIGENTLY FOR 18 MONTHS WITH MY CLIENTS EARNED THE XXXX % COMMISSION OF {$12000.00} AND LOST IT. TOTAL LOSS TO THE XXXX OF US - {$26000.00}. ALSO INCLUDING THE APPRAISAL OF {$450.00} AND {$400.00} FOR THE INSPECTION. 

THIS COMPANY IS A TRAVESTY AND NEEDS TO BE STOPPED REGARDING THESE EGREGIOUS PRACTICES. 

WE RELY ON YOU TO HELP US AND RESOLVE THIS SITUATION. WE LOOK FORWARD TO YOUR RESPONSE. 

THANK YOU,
Product: Credit reporting or other personal consumer reports

15 U.S.Code 1681b ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) 1681b ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) - Unauthorized inquiries AFFIDAVIT Notice, it is a fact, XXXX  is aware, THOSE inquiry ARE unauthorized and has been furnished without my consent. There was no permissible purpose and is a violation of 15 U.S.Code 1681b ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). REMOVE INQUIRIES BEFORE I take legal ACTION
Product: Money transfer, virtual currency, or money service

A woman named XXXX XXXX advertised an XXXX XXXX  on XXXX XXXX. She lied about it, collected {$250.00} from me on XX/XX/XXXX through XXXX, and never sent me a package and refused to give me a tracking number or a refund after lying and telling me she had and then proceeding to ignore my messages and block me on XXXX.
Product: Credit reporting or other personal consumer reports

I have tried to resolve this matter with Experian numerous times please see the attached statement
Product: Credit card

I opened a credit card with Bank of America a little over XXXX years ago. Back then, they offered a credit card protection service with the company XXXX. This service was {$9.00}. My payments were automatic since they were getting charged to my own credit card. They raised the monthly payment, without letting me know. Bank of America never gave me a call or sent me information in regards to my account being late. I called Bank of America to see if they would help me since they reported me to the credit agencies for being late and I lost XXXX points to my credit but they said that basically that was my fault because I didnt check my statement. I never got any notices and this card I dont ever use it for anything. I decided to close my account with them because of their unfair practices and their lack of transparency and respect for their customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XX/XX/XXXXthat they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com. 

They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. 

They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.
Product: Mortgage

I was denied a modification due to the fact that 1 the account is not a first mortgage and 2 because they stated that I should have started the process 6 months before the due date. I have a ballon payment of XXXX due XX/XX/20. I called back in XXXX to ask for help on extending the loan and I was told to call back a month before the due date. So I did and know they sent me a denial. They are not willing to help me. The servicing mortgage company is PHH
Product: Debt collection

I given this company my police report on more than one occasion, they actually took the debt off my credit last year, however within the last 30 days they have hit my credit 4 times. The first fax I sent to them was more than 30 days ago and then I faxed the information to them again on XX/XX/2020. I want them to get it removed asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. TransUnion shows my credit limited decreased with XXXX XXXX XXXX from XXXX to {$500.00} which is incorrect, credit limit is still {$2000.00}. This false information causing my score to decrease by 99 points.

2. TransUnion, XXXX and XXXX refuse to correct previous dispute regarding XXXX XXXX XXXX  they continue to show a balance with one account was paid in full and the other was discharged in previous bankruptcy and should show a XXXX balance. This is false information 3. XXXX XXXX  was settled and paid in full, Trans Union continues to show a balance owed on XXXX XXXX XXXX This is false information 4. Bankruptcy reporting, TranUnion, XXXX  and XXXX continue to report false information that they have not been able to verify, name and social security number does not match filing and social security administration.
Product: Debt collection

On XX/XX/2023 I entered into a settlement agreement with Barclays Bank Delaware through their attorneys XXXX and XXXX regarding a lawsuit they had filed against me regarding an alleged credit card debt. Shortly thereafter I made payment in the amount of {$1300.00} as specified in the stipulation of settlement. In early XXXX I became aware that Barclays was continuing to report the account as a charged off debt with an outstanding balance in direct violation of the settlement agreement and made multiple attempts to contact Barclays by phone and email receiving no response. I then contact the XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  and was informed of the following : XXXX. The Stipulation of SettlemenXXXX and Notice of Discontinuance provided to me by XXXX and XXXX had never been filed with the court and XXXX. The court had denied Barclays Motion for Default Judgement and Dismissed the initial complaint against me on XX/XX/2023. 

I believe that Barclays Bank and XXXX and XXXX fraudulently induced me to make payment on an account I was not legally responsible for, falsely represented the status of the lawsuit against me in negotiating a settlement of a case which had already been dismissed and knowingly reported false information to the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

The items I need deleted are listed in the report. I am a victim of identity theft and did not make any of these transactions. I have no knowledge of such accounts and did NOT obtain possession of any goods, services, or money as a result of the accounts/transactions. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have filed and completed a Federal Trade Commission 's Identity Theft Affidavit. I need the fraudulent items deleted as soon as possible.
Product: Debt collection

I was reported to all 3 credit companies on XX/XX/31 XXXX for the amount of {$980.00} I was unable to pay as I had no insurance to pay
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that the information was erroneous. Transunion must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item as unverified information without providing any proof within the period allowed by law. The item needs to be investigated and corrected for erroneous reporting in my file and is listed on my credit report : XXXX XXXX XXXX XXXX XXXX Balance {$0.00}
Product: Credit reporting or other personal consumer reports

My personal information was impacted by data breach causing fraudulent accounts to be opened and inaccurate information being reported
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
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
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against XXXX XXXX for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Mortgage

My mortgage is with Beneficial Finance. EVERY month this year I have REPEATEDLY called as I DO NOT receive any statements!!! My due date is the XXXX, of course, the sooner you pay the less interest. I am at my wits end with this company trying to get them to send me statements. It is now the XXXX and still no statement. Mailing my payment takes a XXXX to arrive at their office, then more time for them to post the payment. As such, at times my payment is late and interest keeps building.
Product: Credit reporting or other personal consumer reports

My account with ( XXXX  XXXX  ) was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date.

( XXXX XXXX  ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit card or prepaid card

Thee people are crazy I was approved for my XXXX XXXX XXXX and XXXX card and have my secured platinum after I was approved and received my new card they restricted all my cards and wont let me use them even after sending them document verification they still wont let me use my card how annoying can they be
Product: Debt collection

I received a letter from TrueAccord stating they were trying to collect a debt I owe to XXXX XXXX XXXX XXXX in the amount of {$990.00}. I have never had any contract, services, or any business with XXXX XXXX XXXX XXXX. I have never received any bill from XXXX XXXX XXXX XXXX for anything. I contacted XXXX XXXX XXXX XXXX and they have no records of me ever having an account with them or owing any money. I am going to email XXXX informing them of the provided information and the debt is not mine. I am also going to request in the email the name and address of the original creditor.
Product: Credit reporting or other personal consumer reports

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX XXXX XXXX : {$4600.00} XXXX XXXX XXXX Balance : {$4600.00} XXXX XXXX XXXX Balance : {$4600.00} XXXX XXXX XXXX Balance : {$3.00}, XXXX XXXX XXXX XXXXXXXX Balance : {$2500.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX CREDIT CARD HAS REPORTED THAT I WAS LATE 4 YEAR AGO AND 5 YEARS AGO ONCE. I PAID MINIMUM PAYMENT ON THIDS ACCOUNT AND ANY ACCOUNT WITH XXXX. I ASK FOR INVESTIGATION THROUGH FAIR CREDIT REPORTING ACT XXXX, XXXX AND XXXX. THEY BROKE DTATE AND FEDERAL LAWS BY NOT DOING INBESTIGATION RIGHT. I NEVER MISSED PAYMENTDS WITH XXXX CREDOT CARDS. THEY NEED TO SHOW ME ALL THE SECTIONS ABOVE AND HOW THEY CAMR TO ONE LATE ACCOUNYT WHICH FOR FACT I PAID.
Product: Debt collection

The company Debt Recovery Solutions is a fraudulent company claiming to be debt collectors. I have no knowledge of the medical debt they are claiming dated back from XX/XX/2017 in the amount of {$740.00}. I have confirmed with the medical facility that all of my medical bills are fully paid off and the medical facility will be mailing to me an itemized bill proving that. The debt recovery solutions people tried to obtain my social security number and other personal information and when I refused to give it to them they hung up my call, and I have already called them four times. They were also supposed to send to my email the documents that they are claiming that shows what I owe and I have never received that email. They are trying to scam me and have me pay them when that bill no longer exist and I need this taken off my credit report asap.