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

I was a victim of the Equifax Data Breech and my personal information was compromised. 
There were two accounts reported on my credit report - one from XXXX XXXX  and the other from XXXX XXXX that were opened as a result of identity theft. I had notified both companies and sent them police report and FTC Fraud report number and asked them to delete the information. They have not. 

I contacted all three credit reporting agencies - XXXX, Equifax and XXXX and provided them the police report details as well as the FTC report. They have not deleted those off my credit report as of now. I filed the identity theft report with the credit bureaus in XXXX towards the end. 30 days have passed and XXXX is saying that the debt can not be removed because it is valid. Of course, it would appear to be valid if my identity was compromised. I did not open those two accounts. The Federal Trade Commission has advised me to file a complaint with the FCFB. As of this moment, I have heard from XXXX but have not heard from XXXX and Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 602A states I have a right to privacy.

15 USC 1681 Section 602A states also state a credit reporting agency can not furnish an account without my written instructions.

15 USC 1666B creditor may not treat a payment on a credit card account under an open account and a consumer credit plan as late for any reason.
Product: Mortgage

i signed up with a state agency to get help with paying my mortgage during this pandemic time and it has been a hassle for the past 4 months to get my mortgage company to sign the agreement form and send it back in. Now after months of no coorporation the agency has declined my request due to the mortgage company not perticipaiting in the program
Product: Student loan

I requested to get my student loan refunded back to me with the support of the Care Act. Great Lakes has not refunded my money.
Product: Credit card or prepaid card

XXXX a Home Depot XXXX XXXX Credit Card was opened in my name without my permission. It was used and I was made aware of the card in XXXX  after receiving a bill. It was immediately reported. I have never applied, received, or used ANY type of card for this store. I reported it to the store, to no avail. They could not help me. They told me to file a police report and nothing else. I reported it to the credit bureaus, and froze my credit. I also setup fraud alerts regarding any use of my credit. They will not stop harassing me, and I have told them everything I could. I would never open any new card accounts knowing that I wouldnt be able to fulfill my end of the agreements for payment. My only income is social security. I am a XXXX XXXX and all of these harassment calls are elder abuse. This is just one of 6 cards fraudulently opened in my name, including attempts to open new accounts. Money was also stolen from my bank account. Money that I was desperately depending on. Money that my husband and I inherited, it was a small inheritance, but it was everything we had.
Product: Mortgage

In XX/XX/XXXX XXXX XXXX XXXX send me a letter stating they will be the new owners of my loan instead of XXXX XXXX. The servicer of the loan is PHH Mortgage Services. 
This is to inform you that PHH Mortgage services with other mortgages companies listed below are trying to foreclose o my house. Sale date is set for XX/XX/XXXX. 
In the attachments you will see the monthly statement I receive has your name on it not all those other banks listed below. 
I 'm requesting you to supply me the following documents please : California Homeowners Bill of Rights, Mortgage in General-California Civil Code : 2923.55 and 2923.6 and 2923.7 and 2924.9 and 2924.17 and all other Civil Codes that applies. 

1 ) Copy of the Note2 ) Deed of Trust3 ) Assignment of Mortgage4 ) Substitution of Trustee5 ) Notice of Intent to foreclose6 ) Notice of Trustee 's Sale for XXXX ) Wet Signature because of ROBO SIGNING8 ) The Letter Fair Debt Collection Practice Act ( FDCPA ) 9 ) Explain Secularized Loan10 ) Explain Silver State Financial involvement11 ) Explain XXXX XXXX involvement12 ) Explain XXXX XXXX Bank involvement13 ) Explain XXXX involvement14 ) Explain XXXX XXXX XXXX XXXX ) Explain Mortgage Electronic Registration System involvement
Product: Credit reporting

Collection on my report. Will not remove after notifying this was in bankruptcy. Disputed more than 30 days ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

The date of last activity reporting on this account is inaccurate. It's reporting that the date of last activity os XX/XX/XXXX ( XXXX  ) and XX/XX/XXXX ( Equifax ). From my understanding the date of last activity is a date which the account last updated. Why is there a gap of 5 years between Equifax and XXXX. From my understanding I have a right to fair, complete, and 100 % accurate reporting which can not be the case if one account has been updated as of recent and the other account has not. I also made the credit bureau 's aware of this previous to this new update and nothing happened. The account information remained verified despite the fact that I used information that came directly from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Remove XXXX XXXX XXXX XXXX they are reporting this in my report. this should be removed from my report since XXXX the statue of limitation has been exhausted
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am XXXX XXXX submitting this without any influence and this is not a third party. 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 ( Original Creditor : XXXX XXXX ) XXXX XX/XX/XXXX {$540.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XX/XX/XXXX {$1800.00} XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX XX/XX/XXXX {$620.00} XXXX5 USC 1681 Section 602 A- States I have the right to privacy. 

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Product: Student loan

I took out a loan in 2009 through Navient in order to attend XXXX University for my XXXX degree. They made it seem like the general principle interest wouldn't be that much and they recommended to me and my parents that I could defer the payment after I graduated. I deferred my payments and attended Arizona XXXX for 2 years to attain a XXXX XXXX and by that time while I was in " default '' of the loan my interest accrued exponentially. There was no mention of the accruing interest of what they originally told me and for the past couple years I have been stuck with huge debt. 

Last week someone had mentioned to me that there was a lawsuit against Navient and their fraudulent statements of borrowers like me. It was stated the settlement would forgive the current debt, but nothing has changed in my account, nor a letter from them about this. I didn't want this to be swept under the rug and am asking for your help.
Product: Credit reporting or other personal consumer reports

I sent a letter on the XX/XX/year> and XX/XX/year>. There are three XXXX student loan accounts showing an incorrect status comment. It states " Include in a bankruptcy '' All nine of my student loans have been forgiven under the PSLF. I have worked for a public school for 12 years and made XXXX payments. 
From the XXXX on XX/XX/year> The status of the loans states : included in a bankruptcy. I have NOT filed bankruptcy against my student loans. This information is inaccurate, all my federal student loans have been forgotten under the PSLF program. I have worked in the public sector for more than 10 years and have made more than XXXX payments. I have attached the letter from XXXX with the facts.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21 I sent in a FTC report, as the Federal Law tells me to do, Because I reviewed my report and noticed Fraudulent accounts or accounts that dont belong to me. I was told the would investigate. Well its been months. Nothing has changed. I started to do research and found per FCRA 605B All Fraudulent information must me blocked from my credit file. Its bad enough someone used my information, but the worst part is Im stuck trying to prove myself and get my identity back. Its is really sad. Its seems like I need to file a complaint against Transunion XXXX and XXXX with FTC and XXXX. Because Ive never done business these companies or entered into a signed contract with. 
XXXX. XXXX XXXX acct # XXXX XXXX. XXXX Acct # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The Account I am disputing does not relate to any transactions that I have made or authorized. Please remove this information at the earliest possible time. Also, I have doubts about in the accuracy and the reported payment history on this account is a mystery to me, I dont remember if I missed a payment. As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, a copy of which is enclosed, I am requesting that the adverse information on the items be removed to correct the information. 
XXXX XXXX XXXX Balance : {$4900.00}
Product: Student loan

First, no one from Nelnet has responded to me in months, including requests on whether my information was part of the data breach. 

Second, my SAVE application was processed and completed on XX/XX/23 ( before interest restarted ). Despite this, Nelnet is still " processing '' my application, causing my account to accrue thousands of dollars of interest. I have followed up multiple times for an update over 2 months and received an automated email that Nelnet would not be answering emails due to large volume. 

Third, the statements Nelnet provided me is missing more than {$50000.00} of my unpaid loans. For this particular issue, I have spent XXXX hours on hold waiting for someone to answer their call center line. Nelnet is a scam and has repeated predatory behavior against borrowers, including sending me statements claiming that my outstanding amount owed is {$58.00}, XXXX and not my actual amount owed of {$120000.00}, despite my numerous follow ups to confirm. In addition to stating an incorrect amount, this statement also states incorrect interest rates on the loans it does list ( which are fixed rates ) and incorrect and inconsistent interest calculations. 

This company needs to be held responsible for their unethical business practices.
Product: Money transfer, virtual currency, or money service

Deposited a check in my bank to purchase equipment for a job I was doing. My bank verified funds on the day of deposit and also verified funds on the day of the wire transfer, to secure a electronic wire transfer to pay {$37000.00} for the equipment. After wire transfer was made less than 3 hours the check posted stopped payment and all they will do is see if they can loan me the money for the negative balance in my account and will not do any fraud complaints.
Product: Vehicle loan or lease

When I attempted to turn the vehicle in at the local XXXX XXXX at the end of the lease, I was told that I needed to make an appointment to have the vehicle inspected before surrendering the vehicle. I made several appointments and missed time at work showing up to appointments and told that the inspector was not there. A few months after I turned the vehicle in and told the dealership, I could not afford to keep taking off work for this. They did not inspect the vehicle until a few days later. I was charged for additional lease payments that I did not incur due to several inspection appointments that GM Financial missed. When I surrendered the vehicle I asked for paperwork that I dropped it off and the condition and was told that their computer system was down.
Product: Checking or savings account

On XX/XX/year> I created an account with MoneyLion and autoconfigured my direct deposit to the account via Daily Pay ( my employers pay roll ) and on XX/XX/year> I received my direct deposit of {$230.00} to the Money Lion checking account. Upon receiving notification that my direct deposit had been deposited, I opened the Money Lion application on my phone and I was unable to login and immediately contacted customer support on XX/XX/year> about my login not working. I was then contacted back with information on how to reset my password, which didn't work. On XX/XX/year> I contacted customer support about the resetting of my password not working and how I was still unable to login to my account to access funds of my direct deposit where I was then told my account had been suspended/closed and customer support would reach out regarding reasoning via email. On XX/XX/year> without contact from any customer support, I contacted customer support back to report that I had not received an email regarding my account being suspended and closed. On XX/XX/year> Money Lion requested documents to verify my identity and address, etc and I then sent over XXXX documents the same day, and was told it would take up to XXXX business days to review and process. On XX/XX/year> I contacted customer support once again asking for an update on the documents and was told the ticket had been closed and that I needed to resend the documents to open a new ticket. On XX/XX/year> I uploaded and sent XXXX verification documents once again where I was then told that it would take around XXXX hours to review the documents. On XX/XX/year> at XXXX I contacted customer support after no contact and customer service requested documents again to which I was compliant. I was then told that my documents had been approved after being on hold for sometime and that I would receive an email within the next hour with directions on how to reinstate my account to access my direct deposit of {$XXXX} that I had received on XX/XX/year> to my Money Lion checking account. On XX/XX/year> I contacted customer support once again at XXXX well after the hour stating I had not yet gotten an email on how to reinstate my account after I was told my documents had been approved at XXXX and was asked once again to upload documents to which I refused and was asked to be transferred to a supervisor and was still unable to speak with XXXX. The customer service rep stated that their support team would contact me via email, and I argued that I wanted to speak with them on the phone and was unable to still speak with a supervisor. I was contacted by a supervisor on XX/XX/year> sometime during the PM hours via email and was asked to yet again upload XXXX verification documents, to which I was compliant and the supervisor states that they did not meet criteria and I am absolutely positive that they are clear imaging of everything they stated that they needed because I created a checklist as I uploaded these documents XXXX separate times with still no access to my account and funds.
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 Account Number:XXXX Account Name : XXXX XXXX  Account Number:XXXX Account Name : XXXX XXXX XXXX  Account Number:XXXX Account Name : XXXX XXXX Account Number: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 card or prepaid card

I started a dispute with Citibank in XX/XX/2018 regarding a charge for a move from XXXX to XXXX. The moving company, XXXX XXXX XXXX, failed to provide services related to the move, failed to provide logistics for the move, failed to get my goods through customs appropriately causing thousands in additional port fees, damaged over 25 % of my goods ( $ 52,000+ in damages ), and damaged both homes in XXXX and XXXX in excess of {$10000.00}. 

Following the complaint to Citi, they did not send a request for documentation to my postal address for the claim. I phoned them after a month to ask what was needed. They told me over the phone to send in any communication with the company which I did. They said they had previously sent an email requesting the information, which I confirmed I did not receive. Over the phone the agent confirmed it was still okay and to email preliminary documentation, which I did that evening. The agent send they would post any requests for additional documentation or email. 

A week or two passed and I did not hear back. I was then told via email the dispute was resolved. I phoned in and asked how it was resolved as I had never been asked specific information or to sign any letter or affidavit. They promised to reopen the claim and said they would contact me with a specific document request within 7-10 days. The request never came through so I phoned again. I was told the same story to wait 7-10 days. Again nothing. This has since repeated multiple times with the case being closed without any information and then reopened but no information requested. 

Once again this evening another 7 day window had passed. I was told that the case had never in fact been reopened in XX/XX/XXXXor twice in XX/XX/XXXX as they had previously claimed. In fact I was told Citi never referred the case to MasterCard as they had told me previously, had not contacted myself or the merchant for information. 

As a result I am out of pocket {$23000.00} because Citi has  never in fact processed my dispute, nor communicated what information they needed despite my contact them multiple times asking what to send. 



The charge was : Date Amount Description XX/XX/2018 {$23000.00} XXXX XXXX XXXX CA There have been hundreds of pages of emails, photos, phone records, etc. that pertain to this case. To help summarise, please refer to attached invoices and excel spreadsheet summary of the dispute. 

I am happy to provide any further information needed. 

Citi like the disputed mover XXXX XXXX XXXX, have not been looking of for my best interests despite both being my vendors which I pay a premium for their services. In fact I was charged 4.65 % for the use of my Citi card which I did to get billing dispute protection. Unfortunately Citi did not provide that service.
Product: Mortgage

I purchased my house in XX/XX/XXXX for {$110000.00} with adown payment of {$9000.00} My mortgage was sold several times, namely to Litton loan and XXXX. I haave never obtained a modification of {$190000.00}. The documents are a forgery. The dates are from various years. There 's a notary from Texas, I have never been in texas. I never obtained the loan. Litton loan and XXXX are both out of business for frogeing ddoucments that are false. Creating false documentation. The documents havvarious red flags, there is no legal document that can have a variety of signatures from numeryears. I have ben dealing with this for years, trying to get this resolved. I 'm asking gor help to get this debt removed from my credit and my responsibilities. I did not create this debt there is no other documentations from Litton loan and XXXX indicating any of files or conection just a bogus modification. That I did not get. I did not sign for a modification.I could not have signt for a notary from Texas, you HAVE to be in Texas in order to receive a notaryized document. I have never been in Texas please review the proof that this is a bogus debt and something should be done about this to stop this from happening, It makes no sense to obtain a loan on a house that was originally $ XXXX why would I get in to anything that is doubling the cost that I paid. I have paid the amount that I have been behind with the exception of XX/XX/XXXX balance that was most I have ever been behind. There has got to bes something that can be done.
Product: Credit reporting or other personal consumer reports

Please remove all inquiries and inaccurate accounts from all bureaus listed on all three credit report because it does not belong to me. 

In accordance with the Fair Credit Reporting Act. The list of accounts below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. These accounts have violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX