23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

REF : XXXX XXXX ATTN : LOSS MITIGATION DEPT LOANCARE XXXX XXXX, VA XXXX LOAN # XXXX PHONE # XXXX HELLO CFPB, SORRY TO BOTHER, BUT I HAVE BEEN/DONE THRU 2 OTHER MODIFICATIONS IN MY PAST 2 HOMES DUE TO STATE WEATHER DISASTERS. I CAN SAY THEY WERE THE EASIEST PROCESS I HAVE BEEN THRU. 

FOR SOME REASON, THIS MODIFICATION DUE TO MY BATTLE WITH COVID AND JOB RELATED, HAS BEEN A PAIN 100 %. 

FIRST I HAVE ATTACHED A FED PACKAGE THAT I JUST GOT ON XX/XX/2021 BUT PAPERWORK DATED XX/XX/2021. I HAVE MADE THE MORTGAGE COMPANY KNOW MULT. TIMES THAT I HAVE BEEN RECEIVING MAIL FROM THEM 20-30 DAYS FROM THE LETTER DATE. SO LACK OF MAIL COMMUNICATION IS POOR. 

SECOND, I HAVE TRIED TOO MANY TIMES CALLING THE ASSIGNED AGENT WITH SOME EXT NUMBER. THAT IS FALSE AND DOES NOT WORK AT ALL. TRYING TO CALL SOMEONE AT, IT TAKES OVER 1 HOUR EACH TIME. I HAVE TRIED FIRST AM AND LATE PM. NO LUCK. IT WILL TAKE OVER 1 HR ON THE LINE.

THIRD, AND LAST. I HAVE LIKE I SAID, I HAVE BEEN THRU 2 OTHER MODIFICATION AND UNDERSTAND THEM 100 %. I TRIED TO CONTACT AND SPEAK TO A AGENT BY THE NAME OF XXXX, BUT SHE WAS CLUELESS ON THE PAPERWORK I GOT. SHE SAID THAT SOMEONE FROM THE MODIFICATION DEPT WILL BE CALLING ME. 

WHY I AM CALLING FOR HELP! 

WHERE ARE THEY GETTING CURRENT PAYMENTS ARE {$1700.00} FROM? IF MY CURRENT PAYMENTS ARE {$1600.00} SINCE DAY 1? 

WHAT IS {$83.00} CHARGE ON EACH STATEMENT COMING FROM? 
( BECAUSE DURING FORBEARANCE, MORTG DO NOT CHARGE LATE FEES ) WHERE IS {$2300.00} COMING FROM FROM? 

ALSO MY CURRENT MORTGAGE DOES NOT HAVE ESCROW, WHY ARE THEY TAGGING ON INSURANCE AND ESCROW? 
( MINE ARE PAID UPFRONT AND CURRENT ) HOW DID THEY GET {$2300.00} PAYMENTS ON 480 MONTHS WITH 2.75 %? 
( THAT IS INCORRECT ) ( ( IT SHOULD BE ABOUT {$1200.00} PAYMENTS ) ) I NEED SOMEONE OR EXPERT FROM THE MORTGAGE DEPT TO CALL ME! 

THANK YOU, RC
Product: Credit reporting, credit repair services, or other personal consumer reports

I was not aware of this charge until I opened my credit report to check for something else not related. I have no knowledge of this card being open in XX/XX/2020 from XXXX XXXX XXXX for the amount of {$640.00} I have disputed this charge.
Product: Vehicle loan or lease

Back in XXXX, my wife and I went searching for a vehicle as she needed transportation to take my XXXX  son to various XXXX. The sales guy there was extremely pushy with my and I, his assistant was extremely rude toward my son even making a remake about my son who was crying. This was all driving up my XXXX  trying to just get out of there. The sales guy ran both of our credits and said only I can sign for the vehicle, printed out a spreadsheet and showed us those vehicles. Then he only spoke with my wife, practically ignoring me until it was time to sign the paperwork and was basically hurrying me not really letting me review the paperwork. 

What they didnt tell me is that car loan was for more than what the car value was worth. I dont even know how that is possible with a car loan as it was a car loan???!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called Experian to help me with some unauthorized inquiries on my credit file. The inquiries listed below are not mine, I did not authorized. 

XXXX XXXX XXXX XX/XX/2021 XXXX- XX/XX/2021 XXXX XXXX XX/XX/2021
Product: Debt collection

On XX/XX/XXXX I was mailed a bill for a property tax assessment from the year XXXX in error. I was also notified of a separate bill via email for a different amount, also in error. The first bill is for {$300.00} due on XX/XX/XXXX. The second bill ( which I only received notice of via email ) was for {$270.00} due on XX/XX/XXXX. I bought out this lease in XXXX of XXXX. All outstanding taxes and fees were paid in full at that time. 

I contacted the XXXX XXXX XXXX XXXX on XX/XX/XXXX, and they have no record of these bills and assured me that they have been sent to me in error. They said if I had a tax assessment in my name, it would have come straight from XXXX XXXX and I would have an account number in order to look this information up. She also mentioned that they get these calls all the time and they have no account in my name with outstanding taxes due. 

When I called and spoke to a representative from Hyundai, they were also unable to give me any information regarding where these charges came from, how they were calculated, what my XXXX XXXX tax account number is, or why I have XXXX separate bills from XXXX years ago. When I log onto my XXXX account, there are no documents, statements, or any other information on where these charges came from either. They told me to *mail* a letter to XXXX in California requesting an abatement so they can do some research on the issue, and then wait XXXX business days before following up. There is not a direct phone number nor an email for me to reach out to and expedite the issue. The representative said she would email the department for me. 

I am not inclined to pay these bills and I would like them removed from my account as soon as possible. I no longer have an active lease account with Hyundai Motor Finance and should not be receiving any bills from this institution. Ive had issues with unexplained property tax assessments from XXXX in the past and the abatement process went nowhere. I ended up paying them taxes in a state I no longer lived in and hadnt lived in for over a year. I do not want these charges on my account to be sent to collections and affect my credit, nor do I want to give XXXX any more of my money.
Product: Debt collection

At approximately XXXX XXXX PCT on XX/XX/2020 I received the following voice message : " Hello this message is intended for ( myself ). ( myself ) this is in regards to ( consumer ). ( Myself ) if you'll please relay this message to ( consumer ) my name is Mr.XXXX and I need ( consumer ) to contact me here today so we can discuss the situation and options in reference to XXXX XXXX XXXX here with XXXX XXXX. If I don't hear back from ( consumer ) today I'll have to assume he has no intentions of voluntarily resolving this is matter. I'll be in my office today until XXXX CST and I need ( consumer ) to contact me at XXXX extension XXXX. '' When returning the voice message to the referenced number, I spoke with a man name XXXX. He would not confirm nor deny this is a debt collection which clearly in the voicemail this implies some type of legality. I then asked to be transferred to Mr. XXXX. I addressed that the voicemail was inappropriate and the call was in violation of 1692b. Mr.XXXX then became irritate and I asked to speak to a supervisor on 3-4 separate occasions with him repeatably asking if I wished to be taken off the contact list for ( consumer ). When speaking to the XXXX ( employee number XXXX ) the supervisor I relayed my concern and she urged me to be taken off the contact list and I said no, I do not wish to be taken off. She proceeded to tell me since I " threatened '' illegal action on the businesses part she was taking me off as the contact. I asked to file a complaint. XXXX proceeded to tell me she was filing the complaint and was getting ready to terminate the call when I insisted I wanted a reference number for the following complaint. XXXX proceeded to ask why I wanted to file a complaint and I said in reference to the FDCPA 1692 and relaying unneeded information to a third party voicemail. I then stated this would go to his supervisor and I would not receive communication on the matter. I asked XXXX if she was indeed his supervisor, which I requested to be transferred too, she confirmed she was an account supervisor but not Mr.XXXX supervisor. I asked for her name and the representatives name I previously spoke with and she relayed XXXX. I asked if I could receive information on this and she denied the request. I was repeatedly asked the same questions over and over. Do I know the consumer, can I relay the message to the consumer, am I the consumers wife. I did not confirm my relationship with the consumer.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Today when i pulled my free credit report at annual credit report.com I noticed I had a bunch of errors on my credit report that was hindering my financial well-being Since then I have tried to reach out and contact the credit bureaus but was unsuccessful. 

Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. I do Not and have not Lived at these addresses With the amount of identity that's going on I am fearful somebody might take my ID and use it on the dark web so today I am taking preventative measures to assure my identity is never compromised again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of a data breech. Also had my wallet stolen. I have reported this to the credit bureaus, the gave me information stated a company called XXXX XXXX and LCI were the furnishes of the information. 

I then asked them how was this reporter I have never received any information from none of these companies, XXXX responded saying the have no record, but when I pull info inaccurate information is there. Public Records, Credit Cards I do not have.

This is a clear violation of my consumer rights. To add more I just received a letter from another consumer breech. I have attached this to my record. Please remove all public records, credit cards, and other info as none of this is accurate and has never been verified.

15USC 1681s 2 ( A ) 1 ( A ) states information cant be related to any consumer that is inaccurate can not be reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX did not have authorization or permissible purpose to access my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

There are errors on my credit report containing multiple accounts associated to a bankruptcy that was not properly verified. Which is a violation of the 15 USC 1692k & The Rule of 9037 of the Federal Rule of Bankruptcy Procedure.

Rule 9037 of the Federal Rules of Bankruptcy Procedure went into effect on XX/XX/XXXX. Adopted in compliance with section 205 ( c ) ( 3 ) of the E-Government Act of 2002, Rule 9037 addresses privacy and security concerns arising from filing documents, whether electronically or in paper format, in a bankruptcy case.Specifically, Rule 9037 requires the redaction of specific personal identification information ( i.e., Social Security and taxpayer identification numbers, names of minor children, financial account numbers, and dates of birth ) from unsealed documents filed with the court, as well as other private or sensitive information identified by the court for cause.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX Balance {$8400.00} JXXXX 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 has not updated my current balance owed on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts were not tied to me and these companies pulled my credit without my consent therefore I would want the inquiries removed from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Credit Card Statement bills arriving just at payment due date, or after payment due date
Product: Credit card or prepaid card

I received a telemarketing call for walmart Mastercard at XXXX XXXX XXXX XXXX. I believe telemarketers have times in which they can call. It was very annoying and the caller hung up when I answered in a very sleepy voice
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that Iwant to dispute specific records in my credit file that do not belong to me, or that I have signed anyagreement. The items I'm challenging have nothing to do with any transactions I've done or authorizedto gain products, services, or money. Please remove the following items : XXXX XXXX : {$7100.00} ; XXXX XXXX Balance : {$14000.00} ; XXXX  XXXX Balance : {$990.00} ; XXXX ; XXXX ; XXXX XXXX  XXXX ; XXXX on Equifax.
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding inaccurate items on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of items, as they are incorrect and does not reflect my true credit history under 15 U S C 1681b show me proof of a verified letter with written instructions 18 U S C 1028A how is my personal info getting passed around without lawful authority 15 U S C 6802 which states I'm supposed to get an option to opt out instead of reporting and sending my information out which all of these are breaking the law
Product: Debt collection

I had an identity theft and accounts opened in my name that don't belong to me and I have no knowledge of. Cavalry Portfolio SVCS has put one of these accounts on my credit report stating that I owe the money. It is a fraudulent account, it wasn't opened by me. I have requested SIGNED documents showing the account was mine and that I opened it, which they can not provide. They only send an old credit card statement from the account. Which doesn't prove anything other than that the account exists. It may exist but it wasn't opened by me. 

I have also had robo calls to my cell phone about this debt which is illegal. I could sue for big money if I decided to. I have these saved on my voice mail. 

There is no proof I opened this account because it wasn't opened by me. They have been informed multiple times, as well as the credit agencies, that this debt is not valid and shouldn't be on my credit score ... yet it hasn't been removed. I want this removed from my credit score. I have went through a lot of trouble getting fraudulent accounts removed from my credit score after my identity was stolen, but this one hasn't been removed. It needs to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company has reported XXXX XXXX on my credit. This was previously disputed in 2020 under a different company name XXXX XXXX XXXX. I sent in documentation at that time showing that the account was not mine and it was removed from my Credit account. XXXX XXXX is a different company but same amount ( XXXX XXXX XXXX XXXX ). I have shown documents showing deletion in 2020 under XXXX XXXX XXXX however, company is still reporting. As I have shown before ( 3 years ago ), although the company name has changed, the account was and is not mine and I am wishing to have it deleted from my credit report.
Product: Debt collection

I have dealt with XXXX XXXX all my life and even though I have put a fraud alert and reported this fake debt repeatedly, Im being harassed by the XXXX XXXX XXXX XXXX XXXX XXXX. I never had a XXXX  account in the past and I keep being harassed of some large debt amount that I dont know or care about because it isnt mine! I have reported this repeatedly and its been ruining the quality of my life with all these threats and fake numbers calling me from the XXXX XXXX XXXX XXXX XXXX XXXX threatening to sue me and have the irs seize my assets. I am sick of all the harassment, the emails, the calls, this is fraud.
Product: Checking or savings account

I have been on the phone for over 90 on XX/XX/2020. I have been transferred 6 times and no one can explain to me why my UBANK ATM card will not work at a US BANK ATM to allow me to make deposits.I have 3 separate accounts and none of the atm cards are allowing me to make deposits. I spoke to a manager and he was totally useless. I went to 3 branches and can't get in to get anyone to help me. The location in XXXX, Illinois is always closed or the system is down. I want someone to explain this issue to me. This is ridiculous.
Product: Checking or savings account

On XX/XX/year>, I opened a checking and savings account with XXXX XXXX. I made 2 transfers from another bank to fun both XXXX XXXX  accounts. I was able to make one 3 bill payments and one transfer. And now as of today ( XX/XX/year> ) I am not able to use my debit card, use bill pay or make any transfers at all. I attempted to call the bank 2 times today. The first time I was put on hold for 30 minutes and finally hung up. They second time I could barley understand the representative, but he said something about a fraud alert was placed on my account and couldn't give me any other information. I desperately need to be able to use my own money. I regret ever opening accounts with this bank and would like them to return all funds back to my original bank and close these accounts.
Product: Debt collection

I owe money to the university of XXXX. I was contacted by general revenue corporation in XXXX to collect on this debt. I didnt know I had the right to dispute it. I did ask for an itemized invoice of the debt and received one. We made a payment arrangement plan and I was told the longest I could extend the payments was 7 months which seemed weird to me. They told me originally it would need to be paid all at once, then in 3 months, until I kept saying I couldnt afford that and got it pushed back to 7 months with weekly payments of {$78.00}. I have been paying this debt since that phone call In mid XXXX. Now, due to the coronavurus, my hours have been cut at work and I can no longer afford the extra $ 300+ A month. I have contacted the company numerous times through calling the number they gave me, the number on their website, and submitting multiple inquiries online through their website. Their office is currently closed and I cant get a hold of anyone about this and Im terrified Im going to be in more debt and wont be able to afford my other necessary bills.
Product: Debt collection

Pulled my annual credit report and show this collection agency is reporting me for a XXXX great adventure account. I never authorized any XXXX account. I called this agency asking for proof, the collection rep laughed at me and put me on hold for a half an hour. This is ridiculous.
Product: Credit card

I applied online for the XXXX XXXX Reward Mastercard from Barclays credit card. I received a letter in the mail from Barclays stating they needed additional information in order to process my request. They told me to mail them a copy of the front and back of the following documents : drivers license, social security card and bank statement. I called the company and told them I'd be happy to send them that information but I was not comfortable sending it through the mail because of the risk of identity thieves intercepting my information and asked if I could send it another way. The representative I spoke to said mailing the documents was my only option. When I pointed out to her the fraud risk, she said she understood but that they would only accept documents by mail. I asked her if I could fax or email and she said no. I believe the Social Security Number Fraud Prevention Act of 2017 prohibits the inclusion of an individuals Social Security number ( SSN ) on any document sent through the mail. I told them I wouldn't be applying for the credit card if I had to send my information through the mail. I don't need this credit card but I felt others could be taken advantage if I didn't point this out to someone. I hope you will work with the company to put in place other methods for getting this information. No other credit card I have has asked for information to be provided in this manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in the process of buying my home. delivers documents to only XX/XX/XXXX types of home loan agencies. one is XXXX XXXX mortgage, XX/XX/XXXX and Mann Mortgage LLC. Note in my XXXX application that I have had several exaggerated credit inquiries, and which because of this have affected my credit history. from having XXXX now I have a total of less than XXXX credit points. talk to them and they deny misusing the report. I want to open a thorough investigation and reach the final consequences on who they were and punish the guilty.
Product: Checking or savings account

Someone was able to hack I to my chime account and stole a very large amount of money 3 times. Each time resulting in XXXX  of dollars being stolen from me I reported to the police attached police reports showing it was not me but chime did not resolve the issue said no issue found. I keep opening disputes to resolve it but they close the disputes in a day not resulting in doing anything about it.
Product: Credit reporting or other personal consumer reports

Expersin has failed to full fil its legal obligation under the fair credit reporting act ( FCRA ) to conduct a reasonable reinvestment of disputed information on my credit report leaving inaccurate or unverified accounts unresolved. The consumer financial protection bureau has already filed a lawsuit expersin alegging systemic issues such as failing to forward consumer provvided evidence to furthers accepting unreliable responses and failing to adequately notify consumers of disputes outcome .these failures align with my experience where expersin has neither connected nor removed these acct
Product: Credit reporting or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.