23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

This is a $ XXXX fraud. You already agreed with DOJ and NYAG that this loan is fraudulent. I have had no restitution... 

The head of mortgages for CITI, XXXX XXXX ( NMLS XXXX ) is a fraudster who stole {$1.00} XXXX plus the home-from me. XXXX XXXX XXXX he entered into a fraudulent loan application with my then husband after being referred by XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX for a special CITI Corporate relocation loan. Here is what the 3 men did to defraud me of over {$3.00} XXXX, XXXX falsified the application.. took the XXXX mortgage and called it and asset. $ XXXX removed the property tax from ratios. added a second XXXX  and DID AN EQUITY GRAB OF $ XXXX leaving the family penniless with a debt of $ XXXX on a $ XXXX salary. Then we made $ XXXX in payments on the fraud. Then they foreclosed when they had done as much fraud as possible -including looping... EVEN THOUGH THEY HAD SIGNED AN AGREEMENT WITH DOJ AND NYAG on XX/XX/XXXX that my loan XXXX in XXXX XXXX was fraudulent and entitled to consumer relief which I never received. you sold my loan on the open market on XXXX XXXX as part of bundle XXXX for {>= $1,000,000}. and he sold XXXX XXXX  to fraudster XXXX XXXX of XXXX XXXX XXXX as is also noted. XXXX XXXX made {$60.00} XXXX on fraudulent mortgages. How much XXXX XXXX and XXXX XXXX XXXX in commission I do not know without seeing their tax returns. To see exactly how XXXX XXXX stole from me you can read the book 'How they got away with it. White Collar Criminal and the Financial Meltdown ' by 3 professors at XXXX XXXX XXXX XXXX XXXX XXXX. CITI and XXXX feature prominently in the list of frauds. XXXX XXXX knows full well that he stole this money and my home from me and my XXXX son XXXX XXXX. We want back our money and our house back. CITI signed an agreement with the DOJ on the fraud as did XXXX and XXXX at XXXX XXXX so I am tired of fighting to get back my money from this huge fraud. So please have XXXX XXXX get a check for me from CITI for let 's say {$5.00} XXXX. seems actually very reasonable. Also I request a copy of this complaint and request for retribution be sent to the FBI and to the DOJ. Please don't send me any more copies of how you lied to XXXX XXXX at XXXX XXXX XXXX. That's perjury on top. The SEC says you took 'moral advantage ' of me. so please just pay restitution for the fraud and let 's be done. Thank you.
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. 

Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 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.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX XXXX : XXXX Consumer SSN : XXXX Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX with a balance of {$5900.00}, XXXX XXXX with a balance of {$1000.00}, XXXX with a balance of {$990.00}XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$8000.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX responded to my initial compliant and stated they manually updated my correct balance on my credit report. Yet as of today the alerts I have received from XXXX XXXX and a manual search of my credit report shows nothing has changed. In the attachments you will see they XXXX and Equifax both state my last payment was made on XX/XX/XXXX and my balance is over 19,000.00. XXXX states they manually updated my correct Balance. You will also see in the screenshots that Equifax just updated my report on XX/XX/XXXX and the balance still is over 19,000.00 and says my last payment was XX/XX/XXXX. This is a clear violation of the FCRA as a consumer I have a right to accurate information being reported and it is not. I also understand that I may seek legal remedies including damages for such a violation.
Product: Checking or savings account

A check was written to me and my business from a Wells Fargo account and it was intercepted by a now convicted felon who is in custody of the NJDOC for XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX : Purposely XXXX XXXX XXXX XXXX XXXX /2 The check was cashed by him and deposited into his business account. The law firm that owned the account closed the account shortly after this event and was no help in resolving this matter. I filled a complaint against the law firm, XXXX XXXX XXXX XXXX, XXXX, with the New Jersey Ethics Committee. As of this writing, I have not heard anything on the matter and have no idea what the final outcome was. The check was written XXXX/XXXX/XXXX. I handed over all my files to the FBI office in XXXX, to Agent XXXX XXXX, the agent on duty and she stated she would forward them to the appropriate agent/department. XXXX XXXX is the individual that cashed the check, and I can not understand how any teller would allow this unless they were involved or culpable in some way. I did not ever have any access to the check nor did I endorse it over to him. I have never been able to cash or deposit anything that was not made out to me unless it was signed/endorsed by the recipient first. XXXX XXXX, XXXX XXXX, and XXXX XXXX wife were charged by the NJ State Attorney Generals Office and there are numerous charges levied against them in the State of New Jersey court system. 

This was a real estate transaction and as a result of this theft by XXXX XXXX and his partner in crime XXXX XXXX, I am out of {$60000.00} which is outrageous. 

All documents are attached that I feel are relevant, factual and authentic. Some of the documents are official government documents which should leave little room for speculation or doubt. The check image, NJ State Attorney General public document, XXXX XXXX NJDOC incarceration record, NJ Ethics Committee documents and other supporting files.
Product: Credit reporting, credit repair services, or other personal consumer reports

Around a month ago, I came to realize that ChexSystems has been sharing incorrect information with banks, which has unfortunately led to me being denied some business opportunities. To set the record straight, my name is " XXXX XXXX. '' However, in my ChexSystems report, specifically under XXXXXXXX XXXX, it's strangely spelled as " XXXX XXXX. '' I want to XXXX that this misspelled name isn't mine, and I'm certainly not the only XXXX XXXX out there. 

What's more, they've also listed an address and phone number that I have absolutely no familiarity with, although they seem to be linked to my local community. I can assure you that I've never had any connection to these details. Discovering this bewildering information on my report has left me concerned, and it's having a negative impact on potential business opportunities. 

I'm kindly asking for their immediate removal of this inaccurate information from my ChexSystems report. It's crucial to rectify this false data, as it's led to misunderstandings and unjust denials. I've already taken steps by getting in touch with the bank and filing a complaint to have this misinformation removed.
Product: Mortgage

We have a mortgage with TD Bank that has auto pay so we do not miss any payment. The auto pay is also thru TD. This XXXX, TD Bank apparently raised our Escrow {$50.00} without any notification although neither our taxes Or insurance went up. The XXXX payment was short {$50.00} and TD immediately reported us as late Payment. As soon as I was aware I paid the {$50.00} event though I did not agree. Our Perfect credit score dropped 100 points. We tried to work with TD Bank and their Collections were very nasty and refused to remove the reported late payment stating TD does not make mistakes. We had many mistakes made during our loan process including money removed from our account we did not authorize but we always forgave them
Product: Checking or savings account

On XX/XX/2022, I was contacted on XXXX XXXX regarding some textbooks I was selling. The individual ( who deleted all of their account information ) asked to send me funds through XXXX, which I have never used before. I never received the funds, and they told me that their money ( {$180.00} ) was being held by XXXX because they selected the recipient ( me ) as being a business and told me I needed to send {$300.00} to a XXXX team member ( " XXXX XXXX '' ) in order to expand my business account limit. They told me that XXXX would give me all the money back ( {$180.00} + {$300.00} ). I got an email ( which I no longer have ) from " XXXX '' with instructions to send to them the money and I sent it to " XXXX. '' Afterwards, I got another email ( which I still have and is attached ) asking for the final process of expanding my business account, which was sending {$500.00}. I told the person that this was a scam and that you should never send money to anyone to open an account. They deleted all of their information and I was unable to settle the issue with the person. Requested a dispute of the transaction through my bank, USAA, and they denied the claim.
Product: Credit card

Hi, I find Chase Freedom practice to be in violation of UDAAP, the deceptive piece. As a consumer, Balance Transfer portion should be counted differently than Purchase portion on a credit card. Let me give an example. I recently accepted a Balance Transfer offer from Chase. I did a {$1000.00} Balance Transfer. I then made a Purchase of {$500.00}. As a consumer, as long as I pay the Purchase balance ( {$500.00} ) plus the required monthly balance for Balance Transfer, then no interest should be charged on my Purchase portion. However, this is not the case for Chase Freedom! I find this practice to be extremely deceptive. Please look into this matter seriously. Thank you for your help.
Product: Credit card or prepaid card

On XX/XX/2018 at XXXX XXXX  MST I received an Alert to my Text Messages from Netspend Credit Card stating suspicious activity on my account and so I immediately called it using my PIN. at the same time 3 separate transactions were taking place. At around XXXX XXXX I got the rep on the phone an we went thru the process to identify me and completed that once that was done the payment that caused the alerts started to process thru my account {$10.00}, {$200.00}, {$1100.00}. she was able to stop the {$200.00}, but not the {$10.00} and {$11000.00} as the block was removed at XXXX XXXX. This Netspend company did not stop these transactions even after I said they were not me ... .I was provided the PIN the unauthorized user used which was XXXX which is the last 4 of  the card NOT the PIN. The funds or transactions were actually ok 'd and  my account was deducted. I explained this is my Rent and i need my money as this was there ERROR releasing the information. I was told it would Escalated and Disputed was it processed. I attempted to call XXXX XXXX XXXX where the purchases took place as well, and was told I would need to Dispute with Credit Card company. I have requested this is am XXXX XXXX an email advising of the Dispute requested and I was told they could not provide this information. I need this information to provide to my Rent Provider to make them aware ... I was told it takes 10 days for this to be Disputed ... I have been met with unsatisfactory service.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you of serious violations concerning the furnishing of consumer data that has come to my attention. As a secondary consumer reporting agency, you are required to adhere strictly to federal and state laws governing consumer credit and reporting practices. Your recent actions have violated these laws, specifically the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), and relevant case law, including XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX. XXXX. 

Under the FDCPA, any consumer reporting agency must refrain from disclosing information to third parties without proper consent, especially when such information is inaccurate or unverifiable. In this instance, your agency has furnished data that does not comply with these legal standards. 

Furthermore, the case of XXXX XXXX XXXX XXXX XXXX illustrates the consequences of failing to uphold these standards, highlighting the judicial recognition of consumers ' rights to accurate credit reporting. Your actions not only contravene established case law but also expose you to significant legal liabilities. 

According to the FDCPA, consumers may seek damages for violations, including statutory damages of up to {$1000.00}, along with actual damages, attorney fees, and court costs. The associated costs and potential liabilities from these violations can be substantial and detrimental to your agency 's reputation. 

Therefore, I hereby demand that you immediately cease all forms of communications regarding the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Prepaid card

Tried to use an American express gift card on XXXX and keeps being declined apparently due to no address on the card. I attempted to call the company and sat on hold for an hour before deciding to hang up and find a new solution.
Product: Debt collection

On XX/XX/XXXX, I requested verification of a debt that Amsher Collection Services is attempting to collect from me. In response to my request, I received a letter from XXXX XXXX XXXX XXXX XXXX XXXX providing me with a copy of a bill from XXXX. Upon further investigation, I realized that Amsher Collection Services and XXXX XXXX XXXX  XXXX  XXXX, XXXX are attempting to collect an amount from me that I do not owe. They are attempting to extort more money from me that what I may owe. 
Attached you will find a copy of a XXXX  bill dated XX/XX/XXXX. This bill includes current charges for internet service from XX/XX/XXXXXXXX  to XX/XX/XXXX. I DID NOT HAVE INTERNET SERVICE from XX/XX/XXXXXXXX  to XX/XX/XXXXXXXX  as I requested service with XXXX  to be disconnected on XX/XX/XXXXXXXX  because I was XXXX. 
Supporting that I did not have service during this time in which I was billed, attached you will find a copy of the receipt from me returning the internet equipment ( modem ) to XXXX on XX/XX/XXXXXXXX  at XXXX. 
There is no way that I could have internet service when the internet equipment ( modem ) was returned to the company. Attached you will find a copy of the original documentation supporting that the internet equipment ( modem ) returned to XXXX was the internet equipment ( modem ) that I was assigned when started service with XXXX  on XX/XX/XXXX. 
Amsher Collection Services and XXXX XXXX XXXX XXXX  XXXX, XXXX are attempting to collect {$280.00} from me, when the amount that would actually be due is {$140.00}. This is a violation of FDCPA and FCRA as Amsher Collection Services have reported to XXXX, XXXX, and XXXX that I owe {$280.00}, instead of the actual amount due.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX refuses to remove even after dispute very old collection items and has re-upped the date to make it recent. The XXXX  account is more than 10 years old.
Product: Mortgage

In XXXX, I purchased my duplex condo through XXXX XXXX XXXX. At the purchase agreement signing I was told that the original HOA had been dissolved and that an agreement would exist between me and the adjoining condo to maintain the property. I did n't question this until XXXX when the adjoining condo went into foreclosure and I assumed the costs of maintaining the entire structure and property. In XXXX I knew I would be retiring soon and looked for a realtor to sell my property. I approached XXXX realtors over a year and none would agree to represent me as I was underwater and had no existing HOA agreement. I attempted to refinance to lower interest rate and did not qualify because I was {$60000.00}. underwater and there was no HOA agreement. XXXX more condos on my block foreclosed bringing comparables to a third of my purchase price. Green Tree Servicing took over my mortgage in XXXX. In XXXX I stopped making payments and found a realtor who would try a short-sale. I found a buyer but the property was foreclosed on before the paperwork at the bank was completed.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX XXXX XXXX regarding their unauthorized sharing of my nonpublic personal information with non-affiliated third parties and consumer reporting agencies. I have taken the appropriate steps to exercise my rights In accordance with the Fair Credit Reporting Act, under 15 U.S.C 1681s-602 it states I have the right to privacy and this creditor has violated my rights. 15 U.S.C s-604 ( a ) s-2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S.C 1666 ( b ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. XXXX XXXX has furnished the following account Opened XXXX XXXX in the alleged amount of {$28000.00} I am requesting help on the further enforcement to The company XXXX XXXX for violating my rights and another known violations that are in accordance with IRS SEC and the OCC i ask you today to help end this matter that has had a negative effect and distress on my life as i will be reaching out to the other federal governing authorities to correct this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried numerous times requesting for documents that Experian uses to verify this debt with XXXX XXXX XXXX  but Experian has declined to send me any information. All Experian sends me is updated credit reports but nothing else. Every dispute response is " updated ''. First letter requesting documents was XX/XX/XXXX. Second request was on XX/XX/XXXX. I sent it so early because Experian gave me my dispute results as " updated ''. The third letter was sent XX/XX/XXXX, again Experian updated the dispute result as " updated ''. My fourth letter was sent XX/XX/XXXX. After four attempts to get documents in how Experian " verified '' this account I have got nothing back.
Product: Credit reporting, credit repair services, or other personal consumer reports

seeing unauthorized inquiries on my XXXX  credit report. I made an attempt with XXXX  to remove these unauthorized inquiries, but they did not. I have also called the companies directly and the refuse to give me any information. 

here are the unauthorized inquiries. 

XXXX XXXX XXXX XX/XX/2019 XXXX  XXXX  XX/XX/2019 XXXX  / XXXX XXXX XXXX XXXX. 

XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Open XXXX XXXX XXXX Status updated XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Has committed Securities Fraud and Identity Fraud. I have never consented to there mortgage. XXXX XXXX XXXX have taken my identity and take out Securities out in my name without my consent That is Securities FRAUD and Identity FRAUD.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items below : XXXX XXXX Account Number : XXXX, XXXX XXXXXXXX Account Number : XXXX, XXXX XXXXXXXX Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX XXXXXXXX Bankruptcy Case Number : XXXX, XXXX XXXX Bankruptcy Case Number : XXXX, XXXX XXXX Bankruptcy Case Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was taken advantage of due to malpractice while several laws were broken under the FCRA by your company. This has caused me financial injury, defamation of character, inability to obtain any type of credit or loans to help my family during this crisis. I can't get a job, a car, or a home. Not to mention XXXX XXXX and XXXX due to my inability to help my family. There is numerous inaccuracies on my report in which I've tried to remedy through the dispute process. That includes addresses I never lived at, jobs I never worked at, social security numbers that are not mine as well as accounts that I never opened from companies I've never done business with. False and misleading representation, and deceptive tactics has allowed XXXX, Equifax, and XXXX as well as their affiliates to obtain my personal information and furnish my consumer report with inaccurate data. I never gave consent for any of the before mentioned consumer reporting agencies to have, furnish, or sell any of my personal information for any reason including for profit that is fraud and violates my rights as a consumer.