23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I was furloughed for 18 months beginning in XXXX 2008. This caused me to fall behind on my mortgage. I have been trying every sense to get a meaningful loan modification. I have been turned down so many times I ca n't remember them all. I have been in foreclosure XXXX and dropped XXXX. The XXXX time they won a judgment and vacated it restoring the note and mortgage in full and told the court that I had paid every thing I was behind. The XXXX time dismissal without prejudice. I am a prisoner in this home. They will not foreclose, they will not take my money ( anything less than what I am behind that is ), they will not negotiate a settlement. I am XXXX years old and life is passing me by. I ca n't buy any thing with out a very large amount of cash down and extremely hight interest rates.
Product: Credit reporting or other personal consumer reports

My information with XXXX was breached. 
Here is the proof and they refused to delete theee accounts. 
XXXX XXXX XXXX, Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX : Bankruptcy XXXX. XXXX, XXXX - {$0.00} XXXX XXXX Please remove these accounts immediately as I was a custom of this data breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account name XXXX XXXX Account number : XXXX and XXXX On XX/XX/2018 loans was took out in my name fraudulently. Due identity stolen i sent documents to three credit bureaus to do investigation on this matter. 


In accordance with the Fair credit Reporting act Account # XXXX has violated my rights. 

15 U.S.C 1681 Section 604 A States I have to privacy. 15 U.S.C 1681 Section 604 SECTION 2 : It also states that a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Your corporation is impeding me on being able to take care of my family by purchasing a home and a car for personal use by violating and invading my consumer right to privacy and furnishing inaccurate items on my consumer report without my consent or validation. I can not provide for my family and exercise my right to use my credit because my consumer report is my reputation with the banks in which I would like to do business. I believe that the law says that if you have had my documents for 30 days and are unable to validate of verify that these items need to be removed. I have provided the dispute multiple times and have a green receipt that bears your stamp further letting me know that you received my dispute. Please do what is right and remove these accounts so that I can move on with my life and continue to provide for my family. I believe that by law these accounts fall under the exclusion section of FCRA because they are consumer credit transactions that happened between myself and the corporation that made the report. In addition, you sent an investigative report dated XX/XX/2021 which I do not believe you conducted any interviews with family, friends or associates of mines that may have any knowledge concerning my consumer credit transactions. However, to my understanding you contacted creditors and to my knowledge I believe that the investigative report should not include this information.
Product: Credit card

I applied for a student credit card and was denied. I only have ( XXXX ) bad thing that has been on my report for 6 years and I was denied and I think it 's for credit discrimination. Everything else on my credit report is good and in great standing.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX XXXX was a victim of Identity Theft. There was a credit card account opened under my name i didnt oconsent for from School First Credit Union .
Product: Mortgage

Wells Fargo has refused to put me in contact with the " single point of contact '' assigned to my account and has refused to discuss options within a reasonable time frame for resolution on a mortgage to a property I no longer intend to keep. The loan was current when I asked for cash for keys or similar solutions. Now the home is three months past due, occupied by vagrants and squatters and sits in ruin. Still no call from the appropriate person at Wells Fargo and continued unnecessary damage to me credit. A resolution is demanded as of three months ago, and WF remains uncooperative.
Product: Credit reporting or other personal consumer reports

It has been some time now that I have been trying to solve these many problems with the bureaus/agencies/creditors/debt collectors. At this point it is necessary for me to move forward with legal action and demand that the agencies remove the items that I have listed. I am leveraging my rights under Federal Law to make sure that these agencies are held accountable for their actions and right these wrongs
Product: Debt collection

I have been dealing with an issue of identity theft traced back in XXXX  case number XXXX. 
I Order fraud prevention and froze all accounts with XXXX XXXX case XXXX. After a breach whereas my personal information was leaked and used. 
I have attempted on over 13 separate occasions to address the obvious issue at hand. Ive explained that I have never associated myself with any company that you provided. I asked for a handwritten signature creating a hard proof to any signed contract, they have not done so. I asked them for a record of spending or interactions of any sort, they sent a history of increasing charges with my personal information and address in which has been exposed through several incidents. 
The misuse of my personal information by major companies like XXXX XXXX, failed their case, The experean breach, also failed their case. Now after repeatedly attempting to inform resurgent/ LVNV FUNDING that I have never engaged in any financial business with them or associate companys. This company is clinging to an obvious case of identity theft and is now in violation of 18 U.S. Code 1028.
Product: Consumer Loan

My husband and I went to XXXX XXXX XXXX, in XXXX XXXX, South Carolina on XX/XX/XXXX. At the time, we discussed the price with the representative who said that he had to discuss the cost with his finance representative and with his manager. We held on to all paperwork that had our personal information as we asked not to have our credit run, until we agreed on costs. He said he made some notes on the back about what we desired for a trade in cost and what we were paying for the vehicle and that he just needed to take a photo of that. He took the photo. Unbeknown to us, that photo also included our personal information. When he returned, he came in with multiple finance offers using me as the applicant and my husband as the co-applicant vice-versa. Once, he brought back the paperwork, we shared our frustrations and asked that he not run our credit and we left taking the form with us. Little did we know, the finance manager had copied our information and began running our credit more than 10 times. I have taken this issue up the dealership to no avail.
Product: Mortgage

Nationstar applied my payments from Keep you home XXXX since XX/XX/2016 to another loan number. They have my loan in active Foreclosure currently and for the last month I have been trying to get them to reverse the payments and apply them to my loan. I faxed a letter to XXXX the Supervisor in the Loss Mitigation XX/XX/2016 @ XXXX pm PST and have not received a response.I included a printout from XXXX of the payments they sent and it indicates the incorrect loan # XXXX. As of XX/XX/2016 the status of the loan is unchanged nothing has been done to rectify this probelm. My credit has been affected by the loan being in Foreclosure and the fees assessed due to this problem are still due. Note : Nation stars funding dept gave Keep your home XXXX the incorrect loan # when they electronically transmit data for the loans XXXX remits on. Nationstar has been telling us I did it??? Please make this nightmare stop ... ....
Product: Student loan

My personal and financial information was compromised without my authorization.

The Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information.

Given the severity of this security breach and resulting compromise of my personal and financial information, I request that you immediately cancel and discharge my student loans in full.

I have been contacted by third party individuals about these loans and am aware an entity not authorized to view my personal loan information has been given access. There have been changes made to my loan amount and the identity of my loan servicer that I did not agree to. My information has been compromised and the loans seem to be under ownership of a different party I did not agree to a contract with. 

Third party individuals include predatory loan sites like XXXX, XXXX, XXXX XXXX and XXXX. I did not give my information to these sites.
Product: Credit reporting or other personal consumer reports

First of all these are fruadulent accts that were opened under my name, secondly I never gave anyone any written consent to report any of my credit
Product: Consumer Loan

I had a vehicle and the loan company was XXXX XXXX XXXX. Back in 2011 approximately the vehicle without notice and owing only XXXX payment plus the current after that month due. They went to my job without warning to repossess my pick up truck. I called the dealer XXXX name is XXXX XXXX and explained the situation they were not helpful at all. 
I asked them to cancel the gap insurance and the warranty insurance. I was told that the money was to be applied toward the loan company. 
Left it as is. Then I received notice from the loan company stating that the vehicle in question was sold in auction and that I only owed XXXX dollars. then they send me another notification that it was considered a charge off. 
Then as of month ago my wife and I have been receiving threatening calls that we owed XXXX and that we could settle for XXXX. 
My wife explained the situation and the were threatening us for the total amount due, of which is inaugurate. The calls did not stop until we told them that we were going to file a complaint through the Federal Trade Commission. They were `very nasty towards my wife. 
They got to a point where every day they were calling my wife had to go thru a hard time of being blackmailed. Even when they told her that they needed the money right away. We explained to them that mount was crazy. They kept on calling until we told them we were making a complaint then they told her that the calls were stopping. I gather information that is relevant to this case Spoke to XXXX XXXX at Mercantile Adjuster Bureau he is the vice president XXXX Their number and address are as follows XXXX XXXX XXXX NY XXXX XXXX there is deficiancy of XXXX. When we received the auction papers thje vehicle was sold approximately XXXX keeping the gap insurance and the warranty. They do not want to go into details and told my wife that they were sending us a validation of the account their reference number is XXXX. XXXX XXXX XXXX account number XXXX. When I called them they had a recording the the debt is XXXX. 
This is a joke can not comprehend this at all and need your help figuring in a prospective that I can understand they can not come years and years the fact ant tell us this. Your help in this matter shall be greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my credit report and found a XXXX account on there in which I disputed with the bureau 's and XXXX due to me NEVER having or authorizing a XXXX account in my name..I am only XXXX XXXX XXXX just turned XXXX in XXXX, Never lived on my own, never had any bills in my name. 

I cant quite understand how the Credit Bureaus are stating they verified this information as accurate, and when I asked them for their method of verification, they never responded with such only another response letter saying that the account was verified. 

I contacted XXXX as well and requested account validation, and asked for an investigation into this account, and again I received no response which is why I am submitting this complaint at this time.
Product: Money transfers

I was victim of a scam regarding the sale of my car. I posted an ad in XXXX. I was contacted by a buyer who told he would buy my car but I needed to send a Money Gram order of {$750.00} to the transport company who would inspect the car and ship it. I got an e-mail from XXXXXXXXXXXX saying that the funds were on hold until I made the payment of {$750.00}. I turned out the transporter never showed up. The buyer was not actually a buyer ; just someone who took {$750.00} from me. Money Gram will not provide me with information on what type of shop the perpetrator of the scam used.
Product: Mortgage

I filed chapter XXXX bankruptcy case on XXXX/XXXX/XXXX, a second on my house in the amount of {$50000.00} through JP Morgan Chase with the open date of XXXX, this was included In the BK and the house was surrendered back to XXXX the bank that held the lean. 
Chase failed to respond in time to my attorney to be included in my BK and then was denied by the courts when trying to file late. 
In XXXX Chase tried to refile with the XXXX county courts and my attorneys using a made up account # with the same open date of XXXX for {$50000.00} and again they were denied. 
So now I have XXXX loans on my credit report. 
My BK was discharged XXXX and Chase is reporting to the credit burrows on both the original loan and the fraudulent loan. 
I 've called Chase four times and the credit department can see whats going on but have still failed to fix the problem.. 
They did change the status of the fraudulent loan from open account with {$50000.00} line of credit to Collection with a XXXX balance as of XXXX XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Balance : {$500.00} was written off. 
( illegal XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX had my account on credit protection and i was making payments. I was told by a representative to send in my billing statement and make it payable and i did what the representative told me. My account is not a charge off. This account is reporting negative when it is positive. This account violated my rights by closing the account before handing to explain to me what the issue was. I do not feel like XXXXXXXX XXXX XXXX treated me like a normal customer or like a responsible customer. This company damaged my credit profile by reporting illegal information. I was never late or this was considered as charge off i want this account to be reinstated being that i was violated and i want this account to be updated to on time paid and never late under FCRA 15 usc 1681i ( n ) ( a ) ( b ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Employees in XXXXXXXX XXXX XXXX and EQUIFAX iT services are posting wrong information and not removing the paid off Zero balance paid off account from XXXX XXXX XXXX XXXX. If I call them and as, they say we keep it and allow it to drop itself after some years. This is completely a scam inside credit Bureau, creating age groups are targeted, especially older generations My credit points showing XXXX in these two and XXXX in XXXX  Please look into this matter seriously and remove dead accounts. Pls stop age profiling
Product: Credit reporting, credit repair services, 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 this account 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. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian, XXXX, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian, XXXX, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

The following account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX  XXXX Date Opened XX/XX/2014 XXXX {$0.00}.
Product: Credit reporting or other personal consumer reports

The List of accounts which are bankruptcies below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXXXXXX Important dates Original filing date XX/XX/XXXX Latest status date XX/XX/XXXX Additional details Reference numberXXXX Record type Bankruptcy XXXX  XXXXdismissed Court US BKPT CT XXXX XXXXXXXX US BKPT CT XXXX XXXXXXXX Important dates Original filing date XX/XX/XXXX Latest status date XXXX XXXX, XXXX Additional details Reference numberXXXX Record type Bankruptcy XXXX  XXXXdischarged Court US BKPT CT XXXX XXXX  I looked at my Experian credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general lf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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: Checking or savings account

On XX/XX/XXXX I will deposit {$640.00} per car teller at Bank of America XXXX XXXX XXXX Fl. And the teller snapped and reflected {$300.00} nothing more. I notice the teller machine that will notify me of bank fraud, park me, call, they were left to resolve. As of today, XX/XX/2021, I have not received any response, they say be patient, they left my money frozen, the one that had deposited {$300.00} and those that I deposited that day. On XX/XX/2021, my taxes entered even with a closed account, they received them, they kept the money and they do not want to return it to me by check or other form. XXXX XXXX filled in my taxes, I sent the money to them at Bank of America, now they help me, they complained they don't give him information and they told him they had no information. What to do? I have a balance in that bank of almost {$1500.00}, it is my savings, I ran out of money, they have not been kind, they do not mind solving this.
Product: Credit card or prepaid card

Amex unilaterally suspended my account and demanded a financial review. The demand is baseless considering my credit score and history. 

After two weeks, the review remained pending, and they wouldn't allow me to have the card reactivated, even with a lowered credit limit. This is an abusive practice that can impact any person that relies upon the ability to use their credit card, especially when traveling.
Product: Money transfer, virtual currency, or money service

On XX/XX/2017 I visited the Chase Bank branch located at XXXX XXXX XXXX XXXX in XXXX, Oklahoma. I was there to verify my identity for a wire transfer I had originally initiated online. I brought with me several forms of identification and initially dealt with personal banker XXXX XXXX. XXXX XXXX took my documents and verified my identity. He then called someone on the phone ( presumably in a different department charged with initiating wire transfers ) and subsequently informed me they could n't complete the transfer for " security of the account '' reasons. I insisted as to why, my money could n't be transferred to another institution when I had come to the bank, in person, and verified my identity with three separate forms of identification and was myself requesting that they initiate the transfer. I requested to speak with the Branch Manager ( one XXXX XXXX ) who parroted back the same refrain " we can not do the wire for security of the account reasons. '' I informed XXXX XXXX and XXXX XXXX that this was n't a valid reason since the money was mine and on deposit with the bank, and I had met all of the requirements for initiating a wire transfer. I told them that if they continued to refuse to initiate said wire transfer without providing reasonable grounds I would consider their actions highly prejudicial and discriminatory and pursue further action against both. This is why I have come to you ( among others ) to help weed out this sort behavior within our banking institutions. It is unacceptable to refuse service to a customer that has gone above and beyond to satisfy all requirements without providing a legitimate reason for why service has been refused. I ask that you take immediate and swift action against Chase Bank and it 's employees ( XXXX XXXX and XXXX XXXX ) so that no other patrons are harmed, as I was, by their wanton, careless and XXXX treatment of customers.