23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

No information given regarding account. Violates federal XXXX XXXX XXXX and XXXX XXXX Section XXXX ( XXXX  ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been XXXX months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal XXXX XXXX XXXX and XXXX XXXX Section XXXX ( XXXX ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been XXXX months and no information given. No medical release to collect on this debt either
Product: Money transfer, virtual currency, or money service

I opened an account with Wise to make a watch purchase. The money was received and the seller cut off communications and never sent the item. I have been attempting to report it on Wise and they are not responsive.
Product: Mortgage

My mother took out a reverse mortgage in XXXX for {$58000.00}. She purchased her home in XXXX and is currently XXXX years old. She is no longer able to live independently and currently lives with my parents. I attempted to contact her Reverse Mortgage company well over 15 times in the last two months to find out what the interest is and the total she owes. After being " disconnected '', transferred multiple times and being told someone would call him back, I still did not have the amount owed until the day before the closing of escrow and never received the contract. The amount they indicated my mother owed was {$410000.00} Her home sold for {$600000.00}. I was faced with two options, continue with escrow and have them take {$410000.00} with no justification ( proof of contract ) or identification of interest accrued or discontinue escrow and they move to foreclose ( although property tax and insurance are current ) because she longer resides in the home. If you were to call your traditional lender and ask them today what you owe on your mortgage, they would provide it to you with no problem. The refusal to provide ( although I am legally entitled as my mother 's Executor of her Estate ) is baffling. They still have not provided documentation. The question remains, if they have nothing to hide and are on the up and up, why not provide the contract? I would implore anyone to not take out a reverse mortgage and strongly discourage anyone they know from taking one out.
Product: Bank account or service

Starting XX/XX/2016 there was over {$2000.00} missing from my account according to my statements and have not been able to reconcile my account since then. Please send a FAX number so I can FAX my supporting bank statements.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act : This 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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, credit repair services, or other personal consumer reports

This is a complaint against timeshare company XXXX. I spoke with their employees, who introduced themselves other than a salesperson. They started their lies by saying we are making a good financial investment and even promised re-sale value would go up. Moreover, they told us that we would actually make money from this timeshare. They offered us gifts such as discounts in parks, savings on our vacations and bonuses if we sent people with promotional codes, and other enticing things which involves earning money on the promotions platform. They made us believe that things would be positively different but each time things got worse to the point that this even created a serious hardship for us. We felt pressured when we were told they needed some sort of approval in order to grant us the deal and that it was our last chance at the lowest price being offered. They never gave us copy of any application nor did they made us aware of all the fees involved. Everything felt rushed as they have never given us enough time to read through the contract. They never gave us a copy of the contract either. We were not properly informed how cancellation process works, we didn't even know how many days to cancel. We tried requesting to cancel after a month but they told us that we could not cancel anymore, that's the only time they informed us that we only have a few days to cancel after the day we spoke with them. We experienced financial problems, husband lost his job and with too much timeshare debt due to credit card payments. We had relationship stress due to this issus because it has damaged our financial credit to acquire loans for our house. It caused us lots of stress to the point that we even lose sleep because the financial situation is not good and we have to pay for this timeshare that we can't even use. The whole process was clearly rushed because it was very fast, like they did everything for us, without giving us enough time to think or read the contract. According to them, we were going to save too much with the timeshare and they did not explain that we could cancel nor did they explain the annual maintenance for life. This has just been very stressful for us, and we were simply defrauded. This is clearly unlawful deceptive sales tactics and misrepresentation, omission of facts, withholding information, exaggerations of timeshare use of product anytime etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit report XX/XX/2018 and found XXXX XXXX is reporting inaccurate information on my credit reports with all 3 of the major credit bureaus Equifax, XXXX XXXX and XXXX. Not only are they reporting serious erroneous information, they also do not report an address they can be reached on my credit report so I can inform them of these serious errors by certified mail. This is a clear violation of the FCRA and shows a serious error in their reporting practices. Attached, is a copy of my credit report where they have left no address to be reached at. This erroneous derogatory remarks is making it extremely difficult for my family to access the credit that we need and is causing us an unnecessary hardship.
Product: Debt collection

When I moved out of my apartment I received a bill for {$650.00} for damages to the apartment. I asked the apartment complex to send me an itemized bill of the damages along with photo proof. The apartment complex failed to give me an itemized bill and photos of what they were charging me for. 2 weeks later I received a letter from a collection agency for the money that was supposedly owed. The collection agency has since started charging me interest on this account, and I still have not received a bill or photos telling me what the damages are.
Product: Mortgage

The current investor trustee XXXX XXXX XXXX XXXX XXXX holds a note that was fradulently fabricated and is not the orginal which I have in my possession and which contains no endorsments cause it was never endorsed. Also attached is the promissory note with no endorsment faxed by prior servicer months before the one with an endorsment and lacking any date or nortirization lacks the proof as the orginal and that it wasn't actually endorsed in XX/XX/2016 well after XXXX no longer exsisted. The current servicer after being informed still has done nothing to reslove this matter. They don't have in there possession the orginal promissory note either or even the right to service the loan. XXXX never assigned or I never recieve notice that they transfered servicing and if they did who it actually was. Attached also is a service transfer estimates that actually states rXXXX XXXX XXXX XXXX as the trustee for this loan and not XXXX They are harassing me with a debt they have no right to collect on as they where never properly sold or transferred servicing rights and are not the note holder and not entilted to recieve payments. They have no license to do business in Hawaii and don't hold a local point of contact required by state law. They continue to send me statements and raising The attached disclosure about XXXX states they are not the lender and only a mortgagee in a noominee capacity and then being so doesn't effect my obligation to lender under promissory note. XXXX even though they made an assignment of mortgage never possessed or was given the promissory note threw endorsment and therefore can't assign a mortgage they don't have possession of the note it states they are assigning. Further they where to act on soley as nominee for lender which didn't exsist at the time of the assignment and XXXX XXXX wasn't the note holder at that time either and never provided proper notification that they where ever sold or transferred rights to service the loan. Also the assignment of mortgage is on a two page document with no page numbers and one page contains the assignment and the other the notirization. The two pages have no signs that they even where fabricated at the same time and could have easily been done seperatly and with no knowledge to the parties on the document. The second page also contains hand written in attached assignment of mortgage borrower XXXX XXXX XXXX and has no intials by notary that are required per state law when something is changed on a notirized document.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has a block that wont let any consumers have access to my credit score. They have my information misinformed to where I cant access my credit report online since XX/XX/2017 XX/XX/2017
Product: Mortgage

We have had a fixed loan which includes our property taxes and insurance. We have never missed a payment. We are going on over 9 months of an additional {$100.00} added to our fixed loan payment. Our mortgage company was at default with our house insurance and was being canceled if not payed. I took time off work to directly go to our insurance manager and have the payment directly wired. Our mortgage company said they had sent out a check, which was routed to the incorrect facility. The check was destroyed and an email documentation was sent to the proper department for confirmation. We have made several calls to confirm that there was never a double payment, refund or credit on any account. Which made us responsible for the extra amount of escrow monies added to out monthly payment. Our mortgage company has promised to take care of this. No calls returned. No credit applied. Not a word from anyone. Flag Star Bank. We have confirmation numbers, names, and our insurance/county representatives fully behind us to confirm that Flag star bank has not represented us fairly.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is what I keep getting every time I try to open up a bank account do anything financially Equifax is responsible for the mix up Dear XXXX XXXX XXXX, Thank you for choosing XXXX for your financial needs. 



A review of your application indicates there is a Fraud Alert notation and or Security Freeze on your credit profile. In order to proceed with the application the following information is required : O Placement date and expiration of the Credit Freeze or Alert O Address Verification- copy of utility bill dated within 90 days. 

O Copy of Drivers License ( front and back ). 



We appreciate you taking the time to provide this information. You may fax the requested documents, Upon receipt of the requested documents your application and documents will be reviewed, and you will be notified via email of the decision.
Product: Credit reporting or other personal consumer reports

Despite numerous correspondences and persistent efforts, it appears that the fraudulent items have not yet been removed. I kindly request that you escalate this matter and exhaust all available avenues to thoroughly investigate and remove these fraudulent items from my credit file. Transparent communication regarding the progress made and the actions being taken to resolve these issues would be greatly appreciated. 

I understand that addressing cases of fraud can be complex, but it is essential that we work together to expedite the resolution process. Your cooperation and assistance in this regard are crucial to achieving a satisfactory outcome. With this, I am asking for your assistance to remove the fraudulent items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In  XXXX  I effectively closed my account with Ban k of America after mult iple fraudulent checks were cashed in my name without proper verification of identity. I went through the proper channels, filed a claim and once the claim was resolved closed my account.     In  XXXX  I went to a  XXXX  branch to open an account and was told there were " disparaging remarks '' on my consumer report saying I had abused privleges at that bank. I was never called or sent any letters in regards to a debt, no was I sent to collections for anything.   I than visited  a Bank of America branch and was p ut in touch with the claims department who asked me if I would pay the outstanding amount of about {$4000.00}. I was never sent any letter saying I owed them money and my account had been closed for over   three years. I was than forwarded to checks and balances who again asked me if I had any intention of paying the outstanding amount. I was forwarded again back to claims who told me that since the claim was over three years ago I would need to file a new claim in order to get any information regarding why there were disparaging remarks on my account that were preventing me from opening with another bank.
I have given them all of my contact information and was not contacted. I went back to the Bank of America and was told again that nothing could be done except to open a new claim and that the files from the original claim were n  ot accessible to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts do NOT BELONG TO ME! They must be removed immediately! 

1 ) XXXX XXXX XXXX XXXX Bal : {$6900.00} Opened XX/XX/XXXX 2 ) XXXX Bal : {$4200.00} Opened XX/XX/XXXX 3 ) XXXX  Bal : {$3000.00} Opened XX/XX/XXXX 4 ) XXXX  Bal : {$11000.00} Opened XX/XX/XXXX 5 ) XXXX  Bal : {$7500.00} Opened XX/XX/XXXX 6 ) XXXX  Bal : {$1700.00} Opened XX/XX/XXXX 7 ) XXXX XXXX Bal : {$1000.00} Opened XX/XX/XXXX 8 ) XXXX XXXX Bal : {$6600.00} Opened XX/XX/XXXX
Product: Debt collection

I had an acct with XXXX XXXX paid my phone off XXXX bill in XXXX lol switched company XXXX gave me a hard time switching my phone over. Well here we are XXXX I am getting harassed by a company called Jefferson capital claiming I owe them they called me over 40 times XX/XX/XXXX through this week Monday I have screen shots of this. I called them I notified XXXX XXXX they keep harassing me its getting annoying I only uploaded a few photos to show you what I mean you can see the times they called and how excessive it is am I the only person they contact or what
Product: Credit reporting, credit repair services, or other personal consumer reports

I placed a security alert on my credit report to be contacted in case of someone applying for credit in my name. I have reached out to Transunion several times to dispute the inquiries and every time it came back validated. When I requested the method they used, no response was ever received. The following companies are in question : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX XXXX XXXX/XXXX XXXX  XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pa XXXX, MO XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, Tx. XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, Tx XXXX ( XXXX ) XXXX XXXX These inquiries were not authorized by me and should have been validated by the credit bureaus.
Product: Credit reporting or other personal consumer reports

I've informed Experian on several occasions that I've never did business with XXXX XXXX XXXX. I've requested the purchase agreement which XXXX failed to provide I've disputed this item several times and the law ... 15 usc 1611 states that Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, ( 2 ) uses any chart or table authorized by the Bureau under section 1606 of this title in such a manner as to consistently understate the annual percentage rate determined under section 1606 ( a ) ( 1 ) ( A ) of this title, or ( 3 ) otherwise fails to comply with any requirement imposed under this subchapter, shall be fined not more than {$5000.00} or imprisoned not more than one year, or both.
Product: Credit reporting, credit repair services, or other personal consumer reports

Care credit has reported me late on my credit file. This is incorrect because care credit has offered me a settlement on this account and I have been on time with my payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account number 's listed below have violated my rights. 

15 USC 1681 section 602 A. States I have the right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 


Accounts XXXX XXXX This Collection Is Not My Account ACCOUNT NUMBER XXXX Date XXXX Balance {$32000.00} XXXX  XXXX XXXX This Collection Is Not My Account ACCOUNT NUMBER XXXX Date XX/XX/XXXX Balance {$8200.00} XXXX XXXX XXXX XXXX  This Collection Is Not My Account ACCOUNT NUMBER XXXX Date XX/XX/XXXX Balance {$400.00} XXXX XXXX This Collection Is Not My Account ACCOUNT NUMBER : XXXX Act. # XXXX Date XXXX Balance {$3000.00} XXXX XXXX  This Collection Is Not My Account ACCOUNT NUMBER XXXX Balance {$570.00} Date XXXX XXXX XXXX This Collection Is Not My Account ACCOUNT NUMBER XXXX Balance {$4400.00} Date XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I submitted a dispute to the major credit reporting agencies ( XXXX, Experian, XXXX ) due to the impact of erroneous accounts being placed on my personal credit profile. Despite providing the required proof of me being a victim of Identity Theft according to these agencies and the congressional act ( FCRA Sec. 605B ) I am still being haunted by these erroneous accounts.
Product: Credit reporting or other personal consumer reports

Experian is reporting inaccurate an balance on my XXXX XXXX of XXXX
Product: Checking or savings account

XXXX XXXX Im 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 Navy Federal 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: Credit reporting or other personal consumer reports

Remove all ID THEFT FRAUD inquires related to these accounts per FCRA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 ALL ADDRESS DOCUMENTS 2 forms of ID, bank statement, police report, FTC ID THEFT REPORT and validation attached.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XX/XX/XXXX Last SSN XXXX Address : XXXX XXXX XXXX XXXX XXXX Pa XXXX. I lived at this address since XXXX Phone : XXXX My personnel information was stolen during the XXXX XXXX XXXX XXXX XXXX XXXX breach XXXX I currently work at XXXX XXXX XXXX XXXX XXXX Maryland XXXX XXXX They provided a monitoring service for 3 years. I submitted a police report to the XXXX XXXX XXXX XXXX XXXX Police XXXX. 
SUNRISE Credit services provided derogatory report to the credit agencies. Stating unpaid XXXX XXXX  account XXXX with Phone number was open in XX/XX/XXXX closed XX/XX/XXXX They had the Social security number and address. XXXX knows the perpetrator and needs to submit criminal complaint report to police in XXXX, New Hampshire to investigate. SUNRISE Credit Services provide the perpetrators address XXXX XXXX XXXX XXXX XXXX XXXX, New Hampshire. XXXX XXXX. 
I attest that I never had an account with XXXX XXXX. I do not know the perpetrator or the address they used to open the XXXX XXXX  account
Product: Bank account or service

Chase waited XXXX days to dishonor an item I deposited. When I called the Bank to complain I was given the royal run around and was given inaccurate information about the reason for the dishonor. My account has been debited for the amount of the deposit after XXXX days. Each time I asked for greater explanation the story changed.
Product: Credit reporting or other personal consumer reports

This is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX