23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report. 
XXXX  XXXX BALANCED {$5100.00} XXXX  XXXX BALANCED {$2400.00} XXXX XXXX BALANCED {$0.00} XXXX  XXXX XXXX BALANCED {$0.00} XXXX  XXXX BALANCED {$170.00} FST XXXX  XXXX BALANCED {$770.00} XXXX  XXXX XXXX BALANCED {$2000.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX BALANCED {$170.00} XXXX XXXX  XXXX BALANCED {$57000.00} XXXX XXXX BALANCED {$170.00} XXXX XXXX XXXX BALANCED {$180.00} XXXX  XXXX  XXXX BALANCED {$1000.00} XXXX XXXX XXXX XXXX BALANCED {$0.00} DEPT OF ED XX/XX/year>
Product: Mortgage

Greetings, I have been having financial issues since XX/XX/XXXX and I could not make my XXXX payment for the first time since I have been with Mortgage Solutions since XXXX on XX/XX/XXXX I filed for bankruptcy and they were aware of that and they put me on modification. They assigned me an ally by the name of XXXX, he called me regularly and I also reached out to him regularly to see how the process was moving along, they approved the modification and in XXXX another gentleman called me and said that they needed more document from the underwriting team and I did not waste any time and sent them another application and all documents that they asked for in XX/XX/XXXX, I never heard back from them. I made a call to speak with XXXX and see if the other modification has been approved, but I could not find him and they told me it is with the underwriting team, I kept calling for the past XXXX months and no one can give me an answer, instead I receive XXXX letters saying that I missed the XXXX payment through XXXX of XXXX, now mind you we are in XX/XX/XXXX and no one reached to me and they use to call me weekly to check on my doing. XXXX my ally never called me since XXXX of XXXX early XXXX late XXXX to let me know that thank you for submitting everything and everything looks good. Now, on XX/XX/XXXX my bankruptcy got XXXX and Mortgage Solutions was on the XXXX letter as well my attorney also sent me a letter from Mortgage XXXX asking to do a modification or forbearance. 
Now, in XX/XX/XXXX, I received a phone call not from my ally which was XXXX, then XXXX, and now another young lady called me and told me that the underwriting team would not be able to continue with my XXXX XXXX XXXX that was approved by them and now they will not be able to continue due to XXXX liens that are on the property, first of all, that is a lie there is only XXXX by the HOA which should not be due to the fact they are included on my bankruptcy and the young lady says that I have a lien in XXXX when we closed on the property in XX/XX/XXXX. So I went online and got the information from XXXX XXXX clerks office and there is only XXXX XXXX and i also made contact with the attorney that the XXXX hired and explained to them and they understand. Now, if I could of been making payment for XXXX then I should of been able to also make my mortgage payment. 
Now, the only reason they want to stop the XXXX XXXX XXXX process, it is because i asked for assistance so I can be able to relocate my family so we dont become homeless and this is very unjust from XXXX XXXX very unfair that they will want to do this to us, after all the work and sending documents and writing letters. Our home was appraised for {$410000.00} in XXXX of XXXX and now they said that the appraisal is only {$370000.00} which is a joke, we invested a lot in the home by remodeling so how can the appraisal is now less then {$35000.00} that is insane. CFPB, we truly need help now please.
Product: Debt collection

Google XXXX owes me {$200.00} for the Trade-In of a XXXX  XXXX. So far, they have not paid as promised. 

The Following is the latest of several communique to Google XXXX, for credits owed for the trade in of Google XXXX  XXXX. The email below explains the problem. 

: To date, I have yet to receive the money you owe me ; neither for the unused coverage ( {$52.00} ), nor for the return of the XXXX  XXXX ( {$150.00} ). You keep giving the reasons that ; ( A ) The account must be fully closed, and ( B ) You need 30 days for processing. The Account has been closed since XX/XX/2021 ; that's 127 days ago. The reasons for the refund had nothing to do with either. The {$52.00} is due for the Traded-in of the equipment before the end of the coverage term and the {$150.00} is for the return of the equipment itself.
Product: Credit card or prepaid card

I have a loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX  and XXXX XXXX XXXX with no successful resolution. XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX 2017.
Product: Credit card or prepaid card

My issue is about amex 's return protection policy. 

I purchased a few notepads online with my amex everday preferred card. The notepads were meant to be a birthday gift. However the seller didn't ship it on time and wouldn't allow me to return to the seller. 

So I had to start a return protection claim with AMEX. AMEX denied my return protection, quoting that " maps ... books ... '' are excluded from return protection policy. I called their customer service and the agent kept telling me that notepads/notebooks are books so they are excluded. 

I asked for escalation and the agent told me she will schedule a callback. However, it has been 5 business days and I didn't receive any calls from them. 

They are abusing their terms! I can understand that excluding books from return protection seems to be reasonable. But how does that apply to brand new notepads/notebooks as well??? I have a feeling that they just wanted to deny my case so they had to use such a ridiculous excuse!!
Product: Credit reporting or other personal consumer reports

According to 15 U.S. Code 1681c2, " a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 

On XX/XX/XXXX, I identified the following accounts as a result of identity theft, and these accounts remain on my credit file. You are in direct violation of the FCRA. This is my 2nd demand for removal. If not corrected, the next step will be legal action. 

Remove and block the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I am a mentally incapacitated person as of XX/XX/XXXX XXXX XXXX XXXX by Social Security XXXX XXXX XXXX XXXX XXXX XXXX. On XX/XX/XXXX at XXXX XXXX XXXX I purchased a XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX. I am enclosing copies of supporting evidence of time of sale XX/XX/XXXX. The customer had a valid driver 's license. Customer did in fact produce a valid drivers license. Customer produced proof of insurance. While customer did produce proof of insurance, she was approximately {$820.00} behind on XXXX XXXX insurance payments which she paid {$400.00} on XX/XX/XXXX XXXX pm. She produced insurance, not valid up to date coverage insurance. XXXX XXXX XXXX should produce records where the remaining {$410.00} was paid. The customer did in fact produce a picture on her phone of her paystubs. The customer did not fill out the credit application. The credit application was typed in on XXXX 's computer merely asking customer the questions on the application. The credit application was fraudulent. In fact, the customer under Employment title is a delivery driver for XXXX, not a XXXX, under Employment Type Professional, in fact customer is not a Professional. Under Gross Income shows {$4400.00} per month when in fact the customer makes {$1400.00} per month based on XXXX tax return {$17000.00}. Residence Type stated customer was Living w/relatives, when in fact she was living at the address as stated on the Sales Contract XX/XX/XXXX Monthly Rent/Mortgage stated {$0.00} when in fact the customer was paying {$690.00} a month rent XX/XX/XXXX. The credit application was not fully completed, falsely submitted by XXXX XXXX XXXX XXXX XXXX XXXX  approving the customer for a loan she could not afford. But fact shows customer was approved for credit by XXXX XXXX  for {$31000.00} @ 13 % interest for 75 months ( XXXX years ) payment of {$610.00} monthly, XXXX warranty add on of {$4000.00}, XXXXXXXX XXXX XXXX XXXX XXXX {$1500.00} based on false information on the credit application. Customer denies knowledge of false information submitted on the credit application. Based on evidence submitted, the customer has XXXX evaluation evidence of mental retardation, deficits in intellectual functioning at a fifth-grade level, limited employment skills to maintain gainful employment. Facts show customer has developmental delay, intellectual XXXX, XXXX XXXX, XXXX, and XXXX. She is limited in her self-help skills and daily living skills. Because of these faults of XXXX XXXX XXXX they damaged the customer, exploited her, she's depressed, the Terrain repossessed, lost her life savings, and entered a XXXX XXXX XXXX.
Product: Credit card or prepaid card

On Saturday,XX/XX/XXXX, I made a phone call in the morning to the bank requesting the card to be changed to a different card that comes without annual fee, and got approved. However, the account didn't get updated at all since then. 

On Thursday, XX/XX/XXXX, I used online chat to connect to a customer representative, and learned that the product-change request was actually put on hold and was told this whole process might take 2-4 weeks, which is absurd and preposterous, and completely  unacceptable. 

Then I decided to cancel the account, to save time and trouble. Again, my request was approved, and I was told this change will be put in place within 24 hours. 

However, as of now, when I log into the online account, there is still no sign of updating or change to be made to the account, nor did I receive any confirmation email from the bank. I believe that once again, I was being played and tricked by their ruse.
Product: Credit card

I applied for the card in XXXX and I never received the card in mail or details needed to log on or make payment, contact company etc. I now am alerted I have late fees but can not get into account as I never received the card..
Product: Checking or savings account

Hello, as we all have endured in XXXX  we all experienced XXXX. In this economy shut down we received impact payments. I never received my first impact payment of {$1200.00}. The IRS indeed shows they sent it but the bank consumers do not have any recognition of this. I have been dealing with this situation for 2 years and I have a routing number and a XXXX digit bank account number to where the funds went to that was not my account or the state that I live in. I would kindly like to get this solved for the issue still stands.
Product: Checking or savings account

Hello, my Name I XXXX XXXX I'm writing to you because of fraud on my bank account for {$3000.00}. Some how some got in to my bank account and transfer the money to another account. I reported this to the bank but then got a letter denying my claim. I don't make External Transfers there should be no Inconsistencies
Product: Mortgage

On XX/XX/XXXX, I received a notice from my credit monitoring software that my score had gone down from the XXXX range to XXXX range. Upon investigation, I found that WSFS Bank reported to all three credit bureaus that our XX/XX/XXXX payment was over 30 days late, when according to their own website ( attached ), and confirmation email ( attached ), the payment was confirmed on XX/XX/XXXX. After a brief discussion with officials at WSFS Bank, I decided to simply file a dispute with all three credit bureaus. After a week or so, all 3 credit bureaus reported the WSFS records were " accurate '' ( according to WSFS ), even though I attached the same confirmation documents as I am attaching here. The bureaus said their " hands are tied '', so I went back to WSFS and spoke with a " Manager '' name XXXX. She confirmed that the transaction was completed on XX/XX/XXXX, but informed me that the bank would not adjust the payment date according to the actual confirmation date because " they don't process payments on the weekend ''. We are at the mercy of their processing, if you make a payment at the end of the month, and basically they will report you past 30 days to the credit bureaus even though 30 calendar days has not past. Under FCRA, " if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate. '' Obviously, this bank does not care that their own internal policies are not only creating conflicting/inaccurate information, but also unfair, and goes against the very nature of the FCRA to protect consumers from banks and the bureaus doing whatever they want.
Product: Credit reporting, credit repair services, or other personal consumer reports

This can't be happening!! This company must remove the as they need to validate this account! For the company to do what is fair and equitable to me as a consumer by updating and removing the late payment remarks on the items that I was never late in.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently received my credit report and noticed violations under the 15 us code 1681 and 15 us code 1681b ( FCRA ). The law clearly states the following 15 USC 1681b ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Meaning that if you do not have or have not gotten any written instructions from me ( THE CONSUMER ) to furnish an account on my report. It should not be there. That is a violation. I never gave written instructions to furnish any of the following accounts. 
Secondly according to the 15 USC 1681.The law clearly states. 
1. Accuracy and fairness of credit reporting. The Congress makes the following findings : 2. The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 


The following accounts are in Federal Violation on my rights, as a federally protected consumer who have the right to privacy. And also they reporting inaccurate information on my credit report i add file from my job supporting my payment story with child support OFFICE OF THE ATTY GENERAL
Product: Credit card or prepaid card

I initiated a dispute for XXXX in the amount of {$48.00} in the middle of XXXX because the train was delayed and XXXX policy -- in accordance with XXXX  law -- stipulates that a delay entitles a customer to a refund. However, I was never provided the refund, so I opened a dispute. I have still not yet heard back from Chase regarding my dispute, and it has been over 90 days and 2 billing cycles, which is the maximum allowed time permitted by the FCBA.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th 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 XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX XXXX : {$62000.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original XXXX XXXX XXXXXXXX XXXX XXXX  ) XXXX Balance : {$890.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Payday loan, title loan, or personal loan

I had to use three deferrals for this pay day loan. The first one was due to a family member 's death, and I had to go home for the funeral. So, I did not have the money to pay them. The 2nd time, I was sick and off work for a while. I am paid hourly. Therefore, my check was short. They deferred it the 2nd time. I requested to pay a short amount the 3rd time because of the same issue as the 2nd. 

This past Tuesday, I called asking to make a shorter payment or an extended payment plan because I am on leave from work until XX/XX/XXXX, and I do not have to disclose these reasons to them. The account manager demanded I get a letter to them from somebody at my job. I work for a city legal agency. We may be part of the city, but we run as our own organization. The person that writes these letters is out the office until XX/XX/XXXX. They still want to run my account, after I pled with them to reduce the rate. the account manager is cold hearted and callous. In the last few months, I have dealt with death in the family, health issues both mental and physical, and to have a rude person demanding a letter because he doesnt believe me is down right disrespectful. I have taken out a loan from them twice and paid them off before the maturity date. So, if they were really looking at my history, instead of being rude and inconsiderate they would try and work with me, instead of trying to catch me up in a lie. I attempted to work a payment plan out until I could make full payments again. I did a good faith effort and my due diligence. They have hid my loan agreement online. I can only see my payment plans. I want to know my options. I have been able to work out agreements with most of my debtors, but this one wants to be inconsiderate. I placed a stop payment on my account because as I told them, I do not have the money. I am barely receiving anything and barely have family to help me make rent. It is truly sad that an account manager, whose money isnt even involved in this matter, it is the money of the company, could be so spiteful and instead of being willing to have some money come in or wait until a leave letter is able to be sent a few days later, insinuates I am lying. I demand them to stop calling me and an apology. I will be reporting them to my AG Office, as  well.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 10th 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX CT XXXX XXXX XXXX NJ XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I would like to respectfully remind you once again to immediately remove any unproven or inadequately supported claims from your reporting. As a data reporting provider It is imperative that you meet the minimum criteria to required to report with the conditional proveledge to do so. Failure to do so raises doubt about the validity of any and all claims that you make XXXX XXXX XXXX XXXX {$2400.00} XXXX XXXX XXXXXXXX XXXX {$640.00} XXXXXXXX XXXX {$480.00} XXXX XXXX ( Original XXXX XXXX XXXX XXXX XXXX XXXX ) {$5200.00} XXXX {$5200.00} XXXX {$1100.00} XXXXXXXX XXXX ( Original XXXX : XXXXXXXX XXXX XXXX  ) {$480.00}
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and list of Inquiries.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX  XXXX loan with XXXX is improperly stating that I was late 119 days. I produced a letter showing the payment deferment status. The credit bureaus continue to improperly report which caused a 68 point drop in XXXX. I am seeking to apply for a new car loan and with the current status I am unable to get approved due to the 68 point drop. I emailed and faxed the letter showing payment status for the time frame that the XXXX XXXX, Equifax, and XXXX  show as being late 119 days. Please help!!!!