23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Dear Sir/Madam, Subject : Complaint Against Neighborhood Assistance Corporation of America ( NACA ) My home Mortgage with XXXX XXXX XXXX was initiated through Neighborhood Assistance Corporation of America ( NACA ) which is a non-profit organization, getting XXXX Dollars from Members and also from Government. NACA have/had been advertising that getting Mortgage through them, Members would not have to pay closing cost, down payments and other benefits, which proved to be false also. XXXX XXXX XXXX was already offering many benefits to their members like me as I have Accounts with them for many years.. I am attaching their promotion flyer to me. Neighborhood Assistance Corporation of America has been adding $ XXXXmonth in to my mortgage payment since the closing of mortgage on XXXX XXXX, 2009. At the time of closing, They did not explain anything about that adding $ 50XXXX to my mortgage payment and had me sign a contract between them and myself before closing of Mortgage, without explaining it or letting me read it saying it 's just formality. I did not receive the copies of contracts at time of signing it, which they sent me quite recently after I had filed a dispute with them and second Contract I received was even later. Also on XXXX contract, my wife is not included and added in XXXX contract and in that contract it 's not her hand writing and signature or mine. They had explained me through lots of meeting and conferences when I was working with them regarding getting the mortgage loan with XXXX XXXX XXXX that their program helps mortgage holder in economics/financial hardship to avoid foreclosure and make my mortgage payments for up to XXXX times at a time. I am Unemployed for several months, actively looking for work so I contacted NACA as I was facing severe Financial Hardship and talked to several people from NACA through several telephone calls and emails, including their managers and provided lots of documents to them on their request but I was not getting any help what so ever, getting false promises and runaround and later they were not even replying to my phone calls or emails. I recently received that copy of contract between NACA and myself, which states that they will be making payments to my mortgage lender and other clauses of contracts are very one sided and deceptive, till I get back on my feet. Later they were not letting me cancel the contract and keep adding $ XXXX/month and XXXX XXXX XXXX would let me do it as They have Contract with XXXX also.. I do have proofs of my Complaint, which I can share with you as and when needed. I have Loan to catch up with my Mortgage Payments to XXXX XXXX XXXX, which have added to my XXXX Debt. 
NACA is very Clearly in Violation of several Rules ans Regulations, some of which are as follows : Unfair and Deceptive Trade PracticeDebt Adjusting ACTThe Mortgage Assistance Relief Services ( MARS XXXX RuleBreach of ContractIf you have any questions, please feel free to contact me. 
XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : XXXXXXXXXXXX
Product: Credit reporting or other personal consumer reports

I have never applied nor perform services or business with XXXX XXXX yet there is an inquiry all three credit reports .I am asking for a signed copy of the application along with a copy of my drivers license and immediate removal of these inquiries dated XX/XX/2022
Product: Debt collection

The language on the XXXX XXXX XXXX is threatening. It states in part "a bench warrant "will" be issued for your arrest" which was highlighted in yellow marker. I cannot believe that XXXX XXXX XXXX Attorneys allow their collection attorney to use this kind of threatening language as a scare tactic to make someone pay considering the FDCPA "least sophisticated consumer" language should apply. This is a classic definition of a "least sophisticated consumer" This was originally a $XXXX  CC for an XXXX yr old kid when she opened her bank account. The debt now states she owes$XXXX.   She had tried to work out payment arrangements with XXXX XXXX. And was successful in making some of the payments but school, and job constraints made it difficult to keep current. This complaint is against BOTH XXXX  and FRANCY LAW FIRM XXXX XXXX XXXX Atty Reg# XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, CO XXXX  phone # XXXX- Case#XXXX There is scheduled for appearance hearing XXXXXX18.- Law Firms, Banks, Credit Union, et.,al. should not be allowed to use this or any kind of language that threatens a person with incarceration because of a money debt. This language caused a serious physical and emotional stress in XXXX XXXX because although she has a fulltime job she does not make enough money nor does she have the money in saved to pay the debt and she was fearful of going jail.  This scared her to death and know one should be scared that their freedom is going to be taken away because they have the inability to pay a debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXm submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX  XXXX, CA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : -, XXXX XXXX XXXX : {$3600.00}, XXXX XXXX XXXX : {$760.00}, XXXX CARD XXXX Balance : {$1300.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2300.00}, XXXX XXXX & XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$430.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX. ) XXXX Balance : {$2300.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$690.00}, XXXX  XXXX Balance : {$1600.00}, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Vehicle loan or lease

In XXXX I traded in my vehicle with gm financial. I was never late on any of the payments to the company. Vehicle was traded in from Gm financial and new loan was through XXXX XXXX. Since Gm financial was waiting for XXXX XXXX to pay off the loan they marked my account as late payment for the last payment on the loan. Payments to the company was never late and it was their duty to conduct proper business and cash the check that was se t to the company and make arranges since car was traded in. Gm financial added that the loan balance was late to my credit report. Gm financial has no written consent from myself that they are allowed to even share loan information with credit agencies and did not provide proper disclosures asking if I was okay with reporting and sharing my data. 

Not only did I pay my loan off on time I made car payments ahead of time and paid loan principal balance off fast. There should be no negative business reported between myself and this company. 

Address information is under is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX co,XXXX  XXXX Last four of ssn-XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX 's credit card did not send statements to me and then XXXX XXXX Credit Card services reported me to Transunion and XXXX for delinquency and my credit score suffered. When I asked from XXXX XXXX Credit Card for proof of mailing of credit card statement, XXXX 's credit card could not produce one and removed delinquency from my account, however another department of XXXX 's reported me again, and sent an email to me ( attached ) stating " Under the Fair Credit Reporting Act, we are obligated to report account history based on factual account data. Standards established in the credit industry ensure integrity of data and uniform communication between credit reporting agencies. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Upon reviewing my updates, inaccurate information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XX/XX/2020 ; XXXX - CARD SERVICE XX/XX/2020 ; XXXX XXXX XXXX XX/XX/2020 ; XXXX XXXX XXXX XX/XX/2020 2020
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. 



XXXX XXXXXXXX XXXX : # XXXX, XXXX XXXX XXXXXXXX : # XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXXXXXX 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

Equifax is incorrectly reporting an account for the XXXX XXXX XXXX ( XXXX XXXX ). The original credit reporting agency ( CRA ) is the XXXX and XXXX XXXX ( XXXX ) building located in XXXX, Ohio. The account is reporting as a closed collection account for child support and updates every month as a closed collection account til this day. I have sent in a dispute letter listing the violation the XXXX has committed against me. XXXX is reporting my personal information unlawfully to third parties, and Equifax is improperly reporting information it shouldn't had in the first place.
Product: Checking or savings account

I was XXXX  in the Illinois XXXX  XXXX XXXX from XXXX through XXXX. During that time someone gained access to my debit card and charged over {$15000.00} worth of charges to my account. They updated the amount t to {$12000.00} almost immediately after receiving my claim for some reason. I sent a letter to NAVY FEDERAL CREDIT UNION in XXXX ( which they received XX/XX/2023 ) to explain that my account had been wrongfully accessed and I was in jail and needed it to be locked because of fraud. They locked my account on XX/XX/XXXX. When I exited jail on XXXX I called them and explained the situation. They had me submit my incarceration paperwork and all of my identity verifying information. Once I submitted everything they needed, They told me they have a XXXX liability policy and it was clearly fraud and that I needed to fill out paperwork to begin my fraud claim. I did that and submitted everything ( after many MANY attempts to get them to accept a fax ). They opened my claim on XX/XX/2023 and told me that I would receive a provisional credit anywhere from 2 hrs to 10 business days. I continued to call and check on the status of my claim and they kept changing the provisional credit dates. It went from the XXXX, to the XXXX and then to the XXXX. On the XXXX I called to find out why I was still not receiving my credit and they informed me that my claim was denied. Navy federal is known for not paying fraud claims but this is insane. I mean I was in XXXX. Theres absolutely no way that I couldve made these charges and a fraud claim couldnt be anymore clear cut than this. I need something to be done about this and have my money returned.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my Credit Report ( see attached ) : Former Address ( es ) 1 ) Equifax - It shows that I lived in Louisiana, XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX, which is not correct. All my life here in the United States, I've only lived here in XXXX XXXX County California area. 

The Following AKA ( s ) were reported 2 ) XXXX - I have an AKA on my report as : which is totally not me. 
XXXX, XXXX XXXX, XXXX
Product: Credit card

Examine the attached documents. I request the bureau to initiate an investigation into these accounts, as I have never been late, but they are erroneously reporting me as such.
Product: Checking or savings account

. On XX/XX/year> a person called my phone pretending to be Wells Fargo fraud prevention. The caller ID showed Wells Fargo. They stated a wire transfer had been initiated and I needed to log on to my app and request to reclaim the funds. They instructed me what to enter and asked for me to confirm a code. This happened 3 times over XXXX business days and I was scammed out of over XXXX. 
On XX/XX/year> there were XXXX in person cash withdrawals made in branch in XXXX Va and XXXX in XXXX XXXX Va. totaling XXXX. I received a call from the same person who I believed was Wells Fargo telling me my debit card had been compromised and a new one was on the way. I went into the local Wells Fargo Branch in XXXX N.C. to ask them to destroy my debit card and let them know I had been contacted and the person I spoke with said a new card was on the way. The employee took my card and disposed of it. They never asked me for any information or offered to verify what I was saying. They could have easily prevented the last wire transfer. 
I have banked with Wells Fargo almost 15 years and have NEVER done a wire transfer. It is suspicious I did XXXX in a row and I believe this should have been flagged on their end, especially since most employees at Wells Fargo we have spoken with are aware of this wire fraud. Wells Fargo is targeted because of how easy it is to commit online wire transfers. 
When trying to report this to the Federal Trade Commission, I am asked for an account number and address for receiving bank. I have tried numerous times to get this information from Wells Fargo but they tell me they do not have access to it. I finally spoke with a representative today who said she can see it but cant tell me where it went because they might be liable if something happens. 
This is unacceptable and Wells Fargo is enabling fraud and protecting the criminals instead of protecting their customers
Product: Debt collection

XXXX XXXX XXXX XXXX Total Auto Finance XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Subject : Request for Account Information Dear Total Auto Finance, I hope this letter finds you well. I am writing to request additional details regarding my closed account listed under your organization. I would like to clarify that I am not disputing this account. My intent is solely to request specific information for my records. 

Please provide the following details regarding this account : The date of the first delinquency. 
The date of the last payment made on the account. 
The date the account was charged off. 

I appreciate your assistance in this matter and kindly request a written response with the requested information. If any additional documentation or verification is required from my side, please do not hesitate to let me know. 

Thank you for your attention to this request. I look forward to your response. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I made my monthly payment dated XX/XX/XXXX to Consumer Portfolio Services Inc with address XXXX XXXX XXXX, California XXXX in the amount of {$290.00}. 
Today, XXXX  XX/XX/XXXX Consumer Portfolio Services REPOSSESSED the Vehicle. I would like to request an investigation related to Financial Practices of Consumer Portfolio Services Inc. Company always not in compliance with the LAW. Last year of XXXX mandatory lockdown effective XX/XX/XXXX Congress passed CARES Act Law. All offices are closed for period of 70 days. Cares Act prohibits banks, lending and financial institutions not to foreclose real estate, repossession of vehicle and collections of fines and penalties due to Covid-19 lockdown. My vehicle was repossessed XX/XX/XXXX first time by Consumer Portfolio Services Inc. such practices was illegal in violation of Cares Act. 
I am looking forward for the prosecution of Consumer Portfolio Services with officers XXXX XXXX XXXX XXXX XXXX XXXX, Supervisor, XXXX XXXX, XXXX XXXX violation of CARES Act, Telephone Consumer Protection Act ( TCPA ). 

Sincerely, XXXX XXXX XXXX. XXXX XXXX XXXX, VA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a fraudulent charge on my credit from XXXX XXXX for XXXX $ line of credit opened in XXXX of 2012. I have just recently found out about it now that it is in collections. I have called XXXX XXXX and they will not work with me because my date of birth is incorrect I have contacted Experian and this is still on my credit, now with another {$1000.00} XXXX credit card, which I have also never owned still on my credit. Clearly my identity has been stolen and I need these items off my credit as they are not mine, opened by me, or with my permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am challenging the incorrect information on my credit report with XXXX account number ( XXXX ) there are 3 different dates of last activity i attached a copy of report its inaccurate and going against FCRA and i need removed immediately please and thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I was recently reviewing a copy of my credit report and discover it contains some errors pertaining to the following personal information. I'm requesting that you update and delete the address. I have never resided there. they may be possible relatives addresses but they are not mine. I have accounts that are reporting inaccurate and incomplete credit information on my credit report I am also unable to get my XXXX credit report. I have a current account with XXXX XXXX I do not hold them onto account however I have 2 negative accounts listed on XXXX XXXX which I do not owe. I will list my current bill with XXXX XXXX in the documents section below. I am also requesting my name and addresses telephone numbers be updated and removed and any other names and addresses and telephone numbers that do not belong to me. 
XXXX XXXX XXXX -UNKNOWN ACCOUNT Inaccurate addresses XXXX XXXX XXXX XXXX XXXX ny XXXX XXXX XXXX XXXX XXXX ny XXXX XXXX XXXX XXXX XXXX ny XXXX XXXX XXXX XXXX XXXX va XXXX XXXX XXXX XXXX XXXX XXXX ny XXXX XXXX XXXX XXXX ny XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a credit card with Barclays bank via XXXX XXXX. I was not aware that I was approved since I never received a card, activated anything, or make any purchases. I then was charged for maintaining the credit card that I never used, I disputed it with barclays bank, corrected it, and make the account up to date. I requested the late payment history be removed from the account since it was on an account that I was unaware was active until I noticed the detriments to my credit score but have not heard back from credit bureau. I'm requesting the negative history for this account by removed from my credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus last XX/XX/XXXX, to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I sent a copy of the FTC report, it took some time to learn that the credit bureaus are not obstructing records. Since it is required by FCRA regulation 605b, I'm sending this complaint to help with organizing a legal response. If you choose not to stop the other items listed below that are responding falsely as a result of fraud. The following items need to be deleted from my file : XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$1600.00} ; XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Balance : {$3200.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX  XXXX XXXX XXXX Balance : {$2400.00} These accounts are involved in litigation and do not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I respectfully request that the company offices provide me with competent evidence that I have any legal obligation to them or else remove the inquiries from reporting on my credit report.
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

I am able to log-in to the 5/3 app and website but can not see my account info. I have spoken to several customer service associates and supervisors. I was told it was an IT problem and that it was only affecting some customers. I asked why I was not alerted and was given no answer. They told me I had to deal with it and be patient.