23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

My wallet was stolen and ATM withdrawals were made for the following amounts and date, these were all made in thai bath currency at XXXX XXXX, XXXX : Transaction 1 : Withdrawn XXXX XXXX   at XXXX Transaction details When XX/XX/XXXX at XXXX XXXX  Where XXXX XXXX , XXXX Which card XXXX Authorised via Chip and PIN Conversion details USD Amount taken XXXX USD Our conversion fee XXXX USD Exchange rate XXXX Our ATM fee XXXX THB  3rd party fee XXXX THB  Transaction no. # XXXX XXXX XXXX  XXXX XXXX ( XXXX XXXX  XXXX XXXX ( XXXX XXXX XXXX Transaction 2 : Withdrawn XXXX THB  at XXXX Transaction details When XX/XX/XXXX at XXXX XXXX Where XXXX, XXXX Which card XXXX Authorised via Chip and PIN Conversion details USD Amount taken XXXX USD Our conversion fee XXXX USD Exchange rate XXXX Our ATM fee XXXX THB XXXX party fee XXXX THB Transaction no. # XXXX XXXX XXXX  XXXX XXXX ( XXXX XXXX  XXXX XXXX ( XXXX XXXX XXXX Transaction 3 : Withdrawn XXXX THB XXXX XXXX XXXX Transaction details When XX/XX/XXXX XXXX XXXX XXXX  Where XXXX XXXX, XXXX Which card XXXX Authorised via Chip and PIN Conversion details USD Amount taken XXXX USD Our conversion fee XXXX USD Exchange rate XXXX Our ATM fee XXXX THB 3rd party fee XXXX THB Transaction no. # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transaction 4 : Declined XXXX THB XXXX XXXX XXXX XXXX declined - this payment would have taken you over your daily spending limit. 
Transaction details When XX/XX/XXXX at XXXX XXXX  Where XXXX XXXX, XXXX Which card XXXX Authorised via Chip and PIN Fee details Amount taken XXXX THB Our ATM fee XXXX THB 3rd party fee XXXX THB Transaction no. # XXXX XXXX XXXX XXXX Transaction XXXX : Withdrawn XXXX THB XXXX XXXX XXXX Transaction details When XX/XX/XXXX at XXXX XXXX  Where XXXX XXXX, XXXX Which card XXXX Authorised via Chip and PIN Conversion details USD Amount taken XXXX USD Our conversion fee XXXX USD Exchange rate XXXX Our ATM fee XXXX THB 3rd party fee XXXX THB Transaction no. # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transaction 6 : Withdrawn XXXX THB XXXX XXXX XXXX Transaction details When XX/XX/XXXX at XXXX XXXX  Where XXXX XXXX, XXXX Which card XXXX Authorised via Chip and PIN Conversion details USD Amount taken XXXX USD Our conversion fee XXXX USD Exchange rate XXXX Our ATM fee XXXX THB 3rd party fee XXXX THB Transaction no. # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The 4 transaction was declined since it went over the spending limit then the robber was able to make 2 more withdrawals with lower amount All actions were taken by me, blocking the debit card, contacting the bank about the fraudulent ATM withdrawals, filing a police report at with the number # XXXX at XXXX XXXX Police Station with the address : XXXX XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX The bank hasn't provided with any resolution and I need the money to be refunded back urgently since I am in a foreign country and don't have in my possession another debit card. 

In my wallet I had also 2 other credit cards and they have already provided a resolution for my case, I attached the documentation that I sent to those 2 banks.
Product: Credit reporting, credit repair services, or other personal consumer reports

While looking at my credit reports I have noticed inconsistencies with the information all three credit bureaus have. As you know, this is not allowed under my rights and also a clear indication that this information was NOT properly verified upon you receiving it. Transunion has XXXX, ACC #  XXXX Balance of {$300000.00} as Date Opened : XX/XX/XXXX, however XXXX  has the following info claiming to be accurate, Date Opened : XX/XX/XXXX, and XXXX is not reporting it at all. 

TransUnion has : XXXX XXXX Account # XXXX Balance of {$640.00}, as Date Opened : XX/XX/XXXX, Balance Owed {$8.00}, and Payment Amount {$8.00} ; however XXXX  has the following info claiming to be accurate : Date Opened XX/XX/XXXX, Balance Owed {$17.00}, and Payment Amount {$9.00}, and XXXX  is not reporting it at all. 

TransUnion has : XXXX XXXX XXXX Account # XXXX Balance of {$100.00}, as Date Opened : XX/XX/XXXX ; however, XXXX  has the following info claiming to be accurate : Date Opened XX/XX/XXXX, and XXXX  is not reporting it at all. 

TransUnion has : XXXX XXXX Account # XXXX Balance of {$190.00}, as Date Opened : XX/XX/XXXX ; however, XXXX has the following info claiming to be accurate : Date Opened XX/XX/XXXX, and XXXX  is not reporting it at all. 

TransUnion has : XXXX XXXX Account # XXXX Balance of {$20000.00}, as Date Opened : XX/XX/XXXX ; however, XXXX has the following info claiming to be accurate : Balance of {$19000.00}, and XXXX  is not reporting it at all. 

If these are the same accounts, how is the supposed verified information listed on my credit profiles different from one another? 
This is not possible and because of this inconsistency, please delete the following accounts from my credit profile immediately. 

XXXX, ACC # XXXX XXXX XXXX Account # XXXX XXXX  XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXXccount # XXXX I also asked if they would update my personal information in their system, they have not done so. 

I asked for them to remove the fraud and security alert from my credit report and they have not completed that!
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX  XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX  XXXX Balance Owed XXXX {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00}
Product: Debt collection

I have tried multiple times to dispute the debt, they were notified by me and my credit repair service that the debt was not mine. I explained to the young lady that I hadnt lived in that home in years and I could prove it. Im in the process of buying a home and this is holding me up. They credit repair company had already spent over 30 days in this matter. When I called the first time they asked for my social I provided it and it pulled up an account in some else name and when I advised them of that they put me on hold and blew me off. The conversation is recorded according to them. I needed this off so I agreed to pay a settlement after two weeks of phone calls because they wanted me to pay it without getting something in writing. I REFUSED! I finally spoke to someone who said setup a payment arrangement and they would send a confirmation letter before they take the payment. I set it up for the XXXX of XXXX. The letter was suppose to come by email never did and I had to submit a different email address. The letter showed up after the XX/XX/XXXX and they processed the payment any way it declined. I received the letter on the XXXX paid the settlement on XX/XX/XXXX payment cleared on XX/XX/XXXX however now Im having the same issue with them updating the credit bureaus. Why do I have to wait 39 days for XXXX update my file cause the collection company says the cant. Every time you call its something different. I requested to have a supervisor called me back several times, I have spent to much time trying to get this resolve and Im still trying. My credit repair started working on this back in XXXX XXXX. I also contacted XXXX by going into one of  their payment centers to discuss the issue they told me to deal with the collection company cause they didnt care about my issue
Product: Credit reporting, credit repair services, or other personal consumer reports

Chapter XXXX Bankruptcy # XXXX This is not my public record ftc Chapter XXXX Bankruptcy # XXXX This is not my public record ftc Chapter XXXX Bankruptcy # XXXX This is not my public record ftc Previous Address XXXX XXXX XXXX XXXX XXXX TX XXXX -- to be removed --
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2019, I requested TransUnion XXXX XXXX. XXXX XXXX   XXXX XXXX XXXX to remove an inaccurate consumer name reported on my credit report. The report indicates a name XXXX XXXX XXXX. It is an incorrect name. Also listed is XXXX XXXX, XXXX XXXX XXXX XXXX ... these name are inaccurate and TransUnion has failed to remove the  inaccurate names as I properly included verification of my identity, I have not received any updated credit report. This is hindering me from establishing credit. The dispute has gone over 90 days without an update and still remains reported on my credit file. 

Thank you XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following inaccurate information that appears in my credit report. This information is inaccurate and should be corrected or deleted. The errors which prompted this credit report dispute include : XXXX XXXX XXXX  XXXX XXXX. This account is not accurate. Please delete it. XXXX XXXX XXXXXXXX XXXX XXXX  XXXX. This account is not accurate. Please delete it. XXXX XXXXXXXX XXXX. This account is not accurate. Please delete it. XXXX XXXX XXXX This account is not accurate. Please delete it.XXXX XXXX XXXX XXXXXXXX. This account is not accurate. Please delete it. According to Section 611 of the Fair Credit Reporting Act, I am requesting that you investigate those items indicated, and promptly delete any inaccurate from my credit report. In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information. Furthermore, if there is a change in my credit history resulting from your investigation, I am requesting that an updated report be sent to me. Please investigate and update these items as soon as possible.
Product: Credit reporting or other personal consumer reports

AMERICAN EXPRESS entered into a consumer agreement with me and did not inform me of my right to rescind, or my right to opt out and did in fact reported to the a third party credit bureau. Their terms and condition says they do not provide my information to third party non-affiliates. the violated their own terms and condition when the shared my information with the credit reporting agencies ( XXXX, XXXX, XXXX  ). Additionally they provided no opt out notice as per 12 CFR 332.9. This action violates : The Privacy Act of 1974 16 CFR 313 and all applicable subsections 15 USC 6802 15 USC 6803 15 USC 6804 15 USC 6805 16 CFR 433
Product: Credit reporting, credit repair services, 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 # : XXXX Account name : XXXX - Account # : XXXX Account name : XXXX XXXX  XXXX XXXX XXXX Account # : XXXX XXXX U.S.C. 1681 Section 602 Ab 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 or 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. 1682s-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

XXXX XXXX XXXX is receiving monthly payments and has agreed to a settlement amount, however is not reporting any information to the credit bureaus. The accounts on my credit reports are stating still in collection with no payments. Ive disputed information with all three credit bureaus, and they are not updating the information.Enclosed is the email from XXXX XXXX of the current balance. Settlement amount of {$7400.00} outstanding balance {$5700.00} creditor is receiving {$320.00} each month starting XX/XX/year> see attachment with outstanding balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 items of information, other than records of conviction 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. I have disputed this account and I have supporting documents within inaccurate information. Please delete this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a XXXX credit card because it is advertised on their site that you can PREQUALIFY WITH NO IMPACT TO YOUR CREDIT SCORE. I was declined, and I received a notice from Experian that a hard inquiry was taken on XX/XX/2022 from XXXX XXXX. I called Experian and they stated that only XXXX can remove the inquiry. I called XXXX and they said that they will not remove the inquiry. I believe this is fraudulent on the part of XXXX and unscrupulous. I would never have applied if I knew it was going to be a hard inquiry. I have a screenshot of the website where it says there will be not impact to the credit score. XXXX told me initially ( 2 different people ) that it doesnt say that!! At this point, Experian and XXXX are passing me back and forth and I am working on my credit and Im left holding a hard inquiry. Totally wrong.
Product: Debt collection

I received a debt collection notice from Midland, a subsidiary of Encore from its attorney, XXXX XXXX XXXX. I requested the following : Explain and show me how you calculated the entire amount of what you say I owe ; Provide me with copies of any and all account level documents that show I agreed to pay what you say I owe to include original signatures. Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; If you purchased this alleged account, identify the SELLER you purchased it from and ALL PREVIOUS OWNERS. Provide me with ANY documentation which establishes your legal standing to collect anything from me. I was not provided with what was purchased, how the balance was calculated, what interest rate was used, etc. in violation of the Consent Decree that was entered into by Encore and the Consumer Financial Protection Bureau. I do n't know how these companies continue to conduct business by violating consumer protection laws.
Product: Mortgage

I 'm writing because I am veteran with a VA home loan from New American Funding and I am on my second attempt to get a loan modification to keep my home. I fell into a financial situation where I can not keep up with my mortgage payment. I contacted my lender for help and was advised to do a loan modification. During this process, I was also advised to not make any full or partial mortgage payments. We were also lead to believe that we were going to get the loan modification. After months of submitting papers and documents requested and almost XXXX XXXX XXXX in the hole, we were denied and our home was put in foreclosure. Had we been able to make full or partial mortgage payments, we would not be almost XXXX XXXX XXXX in the hole. We were very fortunate to get help from Keep Your Home California, they were able to help us reinstate our mortgage. I was also told by my lender to make a second attempt at the loan modification. Again, I have cooperated and submitted everything that has been asked of my wife & I. Here we are months later and I have not heard anything. We feel like our lender set us up for failure and had or has no intentions of helping us out at this point. We have tried to get our home refinanced through another lender, but no one will touch us because our credit scores have plummeted through this whole process. We are very unhappy with our lender, New American Funding, because of the lack of help and advice they have provided. We have XXXX kids and XXXX on the way and we do not want to lose our home. We do not want to sale our home and have to look for another one. As stated earlier, we would not qualify do to our credit scores to buy another home either. My wife and I just want our lender to help us and give us positive options so that we can stay in our home. We are not asking to cut our mortgage payment in half or to be excused from making payments, we just need some help by getting a lower mortgage payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX,
Product: Mortgage

XX/XX/XXXX last year my husband lost his job due to the covid-19 pandemic, he is a XXXX and the breadwinner who helped me make the mortgage payments since we bought our home in XXXX. The loan is only in my name. I contacted PHH mortgage about this and they were able to put my mortgage on a forbearance plan because of the pandemic where they would put whatever what is owed during the time to the back of the loan until the expiration date. Every month I would still continue to call to make sure that PHH, and in those monthly phone call conversations, each customer service employee assured me to not worry and that they would help me every step of the way to not lose my house and that it is not going into foreclosure. Fast forward to XX/XX/XXXX, my forbearance plan expired and I was given the option to either extend another three months of forbearance or try to get approved for a loan mod, but also assured that if I was not approved for a loan mod that I would be able to continue to make my mortgage payment and the other money that was owed to be put back to the loan. So, I went ahead and tried for the loan mod because I wanted to lower the payment even more as the rates are very low right now. It should have only taken them 30 days to approve or decline, however, after submitting everything they asked for right away to them, it took them from XXXX of XXXX to XXXX of XXXX which is three long months. I found out on XX/XX/XXXX that I was NOT approved for a loan mod and that my only options now are to short sale my property or foreclose on it! I do not understand why they did not offer to put the money that is owed to them to the back of the loan and that I could start my regular monthly payment. This is not what I was told from the beginning back in XXXX of XXXX because of the covi-19 pandemic. This is absolutely a flat out lie on their part, and every time I call PHH each customer service from the XXXX is just reading off a script and does not understand my particular situation and it is so frustrating. My husband and I are both working now, but do not have the {$16000.00} ( from XXXX to XX/XX/XXXX payments ) saved anywhere, as we just got our jobs and had to just try to survive off unemployment during the covid-19 pandemic like the rest of the world. We worked so hard to keep our home and feel I was bamboozled during all these conversations with the PHH customer service people. Please, help us save our home... we would be able to make three trial payments and that was what I was hoping for if the loan mod was approved, but also was hoping to go back to making my regular mortgage payment of {$3100.00}, but we do not have {$16000.00} to just hand over to them. If my husband did not lose his job due to the covid-19 pandemic we would not need to be in this situation. It is so unfair that things were shut down due to the covid-19 pandemic and so many people were suffering. Please help us as we are willing and can start making our mortgage payment but we really need PHH to keep their word and to put what is owed to the back of the loan so we can start fresh again. Thank you and XXXX bless.
Product: Credit card or prepaid card

XX/XX/XXXX I installed on my TV the program XXXX  XXXX  from Google. On XX/XX/XXXX I unstalled this program Never watched no more. In XX/XX/XXXX I notice that My creedit card XXXX  XXXX statement ending in,,,,,,,,,,,,,,,,,,,,, XXXX there was still from XXXX XXXX in the amount of {$64.00}, XX/XX/XXXX, I called XXXX Ph XXXX XXXX XXXX, I spoke with a lady about noon time asking her to cancel my suscription .She said she took care of it. However I noticed that my Credit card statements show the same monthly amount until now. XXXX XXXX sent me leters with a lot letter with questions and the reason why I wanted to discontinue my XXXX? I told me that XXXX XXXX, which I have, similar programs I did saveral attempts to call Google They put me on hold for hours and finally they hang up on me Late XXXX, I asked XXXX XXXX Representative to enter a three party conference call : Myself, XXXX XXXX and Google., We called Google Ph # XXXX XXXX XXXX Put us on hold for two hours. XXXX XXXX Representative said sorry I can not wait long. I tried again next day. They give you a lot of options to log in using a computer There is not XXXX option English is my secon language, I just could not do it. I decided to retain the services of XXXX, XXXX  This company helped me to cancel my suscription of XXXX XXXX   which was canceled on XX/XX/XXXX. However XXXX is still charging the monthly premium of {$64.00} XXXX see attavchments ) The same thing is happening with XXXX XXXXbill phone XXXX XXXX XXXX, I never solicited movies program. They are charging me {$290.00} /month in my XXXX XXXX credit card ( see attachments XXXX XXXX XXXX said thet would not stop XXXX and XXXX from paying them. That I have to do it myself or with a court orders, I explanined that I tried many time and I can not contact them y phone