23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I built a home in XXXX and my builder turned out to be a scam artist who left my home unfinished. He insured and recorded a mortgage on the 35 year old neighboring property in my name to get paid when I refused to sign any more documents until we settled the dispute over the build. I have attached a copy of a warranty deed filed conveying my neighbor 's property to me. 

The mortgage note has my new home 's legal description on it and my signatures from a purchase and sale agreement I signed at the builder 's office prior to the home 's completion. I disputed this mortgage from day one and never made a payment. The loan was sold multiple times until XXXX when I was sued by XXXX XXXX XXXX who had received the loan from XXXX XXXX XXXX. I prevailed in this lawsuit at both summary judgment hearings as well as the bench trial. 

I tried to clear the title to the property since XXXX XXXX XXXX never tried to correct the deed or any of the mortgage documents. They continued to insure the neighboring property I don't own allowing the escrow account and interest to build. 

In XXXX I received another foreclosure lawsuit from Carrington Mortgage Company who claimed to have found an original mortgage that I signed. I hired an attorney to defend me who took my {$2000.00} retainer and never called me again. I found out at a foreclosure hearing that he was disbarred from the judge who mocked me for hiring him an blamed me for a situation she said, " I allowed to go on for 13 years. '' The judge implied during the hearing that I owned both properties and that I was in some sort of scheme with my neighbors to cheat the bank. She said this situation was my fault and signed a {$300000.00} judgement against me that includes insurance on my neighbor 's property for 13 years, alleged property inspections that could not possibly have occurred. I can not imagine that anyone who inspected the property would not be confronted by the actual owner of the home the bank has mortgaged in my name. I will be filing for bankruptcy to get in front of a reasonable judge after I was treated so unfairly by the circuit court judge. After the judgement was signed, I specifically asked the judge " What is the address of the property your are foreclosing? '' The judge responded with my neighbor 's property address. However, when I received the final order from the court that was submitted by the Carrington Mortgage Company attorney, it had my address on it. I need this situation investigated by someone who is actually impartial and willing to listed to me. Fixing this situation with the paperwork is on the mortgage company, not me. I don't need a fancy lawyer to tell me that this is wrong and after losing my job thanks to covid 19 I can't afford one. However, I will not allow this bank to take my home or my neighbor 's home.
Product: Credit reporting

I simply requested the reason why my score dropped from XXXX to XXXX. I was informed this information was not available.
Product: Debt collection

Disputed Credit Card Charge by vendor for cancelled services on XX/XX/18 for {$260.00}. Vendor did not challenge charge back and XXXX Credit Card refunded the charge. However, the vendor sent fraudulent debt to collections and I was notified to it by the credit report provided by the Credit Card.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  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 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpos
e.
Product: Checking or savings account

I opened the PENFED XXXX Savings Account in XX/XX/XXXX, they have a saving account promotion that offers {$150.00} bonus per {$10000.00} deposited. I deposited before their offer end date and keep XXXX before XXXX XXXX which is their bonus end date. After XXXX  days bonus paid period, I did not receive any bonus paid to my account. I called custoimer service today on XX/XX/XXXX. They said that I am not qualified for the bonus because I moved XXXX out in XXXX. However, I did keep their required amount XXXX in the account even after the XXXX deduction. On their offer, they did not mention anything NOT pull out the thing above XXXX will make me ineligible for the bonus!
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the silence XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove this account before I seek ligation for defamation of character ). XXXX XXXX XXXX. {$2500.00}, XXXX XXXX XXXX {$250.00}, XXXX XXXX XXXX. {$4100.00}, XXXX XXXX XXXX. {$12000.00}, XXXX XXXX. {$16000.00}, XXXX XXXX. {$2300.00}, XXXX XXXX. {$480.00}, XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Our Reference Number : XXXX Original Creditor : XXXX XXXX XXXX XXXX Original Creditor Account Number : XXXX Current Creditor To Whom Debt Is Owed : XXXX XXXX I, XXXX Current Creditor Account Number : XXXX Total Balance Due : {$3000.00} THIS NOTICE HAS BEEN THE 2nd TIME AND THE DEBT WAS PAID TO XXXX  IN XXXX. THIS IS NOT ON MY CREDIT AS A DEBT OWED!!!
Product: Debt collection

KINDLY HELP ME. THERE ARE ITEMS OF INFORMATION BEING REPORTED WITHIN MY CREDIT REPORT THAT IS INCORRECT. SEE ATTACHED DOCUMENT.
Product: Credit card

I was sent a Home Depot Store Credit Card ( Account Number : XXXX ) that I didn't apply for about 4 weeks ago. The day after I received it, I called their fraud department, as on the pamphlet that came with the card, it indicated a " Fraud Protection Guarantee '' that saves me from any liability on unauthorized charges. When calling them, I spoke to a representative who said that there will be an investigation but my account will be closed and I would not be responsible for the {$600.00} balance that the card apparently had. 

Then, 2 days ago ( XX/XX/year> ), I received a letter in the mail from Home Depot regarding my fraud claim. They concluded that I am responsible for the account and the charges and that I opened the account. I never made the account nor spent {$600.00} at Home Depot with the card.

Additionally, the same day I received the Home Depot card, I received a XXXX XXXX XXXX. So, someone must have made multiple accounts in my name at both XXXX and Home Depot that day.
Product: Credit card or prepaid card

Hello. Ive been reviewing my credit report and there are 2 hard inquires made on my XXXX report that I didnt apply for, showing as ( JPMCB - Card Service ) How do I get this removed?
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. I looked at my XXXX credit report on XX/XX/year> 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 1 5 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a concumer an itam of the infnrmatinn ie folnd toconsumer, 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 ( i ) 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: Credit reporting

While checking my personal credit report, I discovered an Unauthorized and Fraudulent credit inquiry made without my KNOWLEDGE or CONSENT by XXXX on or about XXXX/XXXX/2015 on EQUIFAX credit file. I did not authorized or give permission to anyone employed by this company to make any inquiry and view my credit report. XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I am requesting that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus and have them remove the unauthorized and fraudulent hard inquiry immediately.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against CashApp ( Block , Inc ) due to inadequate customer service and unfair practices which violate the consumer protection act, ( CFPA ) specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant and convenience and financial loss and I seek appropriate redress for these violations
Product: Student loan

I recently graduated during the XXXX XXXX XXXX. I am trying to set up an Aidvantage account so I can begin the repayment process. Whenever I try to register for an account, I receive an error message that the information I am putting in does not match the records at Aidvantage. I checked my information through studentaid.gov and all of my information ( social security, phone number, email, birthdate, etc. ) is correct. Rather than go through Aidvantage customer service, I chose to submit a complaint here.
Product: Credit reporting or other personal consumer reports

I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address and SSN Card.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronics Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

The problem I found on my credit is too many fraud accounts I never open this is a identity theft or fraudulent accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone used my personal information to open a bank account and receive medical care. I just noticed the problem when I went to look into purchasing a new home.
Product: Credit reporting or other personal consumer reports

I have been disputing reporting issues to the XXXX degree. XXXX told me that they wanted information on a an identity theft claim via email. The attachment satisfies their claim.
Product: Credit reporting or other personal consumer reports

I am writing to formally request that you block and delete the accounts and inquiries listed below from my credit file pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). I am a victim of a data breach, and these items were fraudulently opened or conducted in my name without my authorization. 
The fraudulent accounts and inquiries are as follows : Accounts : XXXX. XXXX XXXX XXXX - XXXX - XXXX - {$00.00} XXXX. XXXX XXXX XXXX - XXXX - XXXX - {$2900.00} XXXX. XXXX XXXX XXXX - XXXX - XXXX - {$1700.00} Inquiries : XXXX. XXXX XXXX - XXXX
Product: Debt collection

Since XX/XX/XXXX, Barclays has called me 30 times. I called back on XX/XX/XXXX to inform them I am working with XXXX and have been paying them. They have still continued to call at least 3 times a day.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The XXXXExperian/XXXX  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 : Inquiries ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XXXX XXXX, XXXX ; XXXX XXXX Inquiry Date XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card or car payment account under an open end consumer credit plan as late for any reason.
Product: Credit card or prepaid card

CHIME, the XXXX XXXX, issued a hold on my ( XXXX XXXX 's ) account debit card. I XXXX XXXX answer all CHIME, the XXXX XXXX  question to the best of my ability. the XXXX XXXX and CHIME closed the account and embezzled the funds/credits I XXXX XXXX worked for, funds credits that my job deposited in the CHIME account. No one has never revealed names to me, just threatening emails, jeopardizing my family 's ability to live. 

CHIME the XXXX XXXX  XXXX XXXX XXXX is trying to force me to become an accountant for their COMPANY 'S before releasing a work woman 's pay, credit, deposit, and or funds. 

I am attaching documents of the correspondence between me and the CORPORATIONS.
Product: Credit reporting, credit repair services, or other personal consumer reports

The below accounts do not belong to me and I have tried to resolve this with the companies directly but haven't been able to get anywhere, and its stopping us from getting a home and we have XXXX children. 

XXXX Opened XX/XX/XXXX Balance {$7700.00} Accounts # XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$4700.00} Account # XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$2500.00} Account # XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$1700.00} Account # XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$1600.00} Account # XXXX XXXX Opened XX/XX/XXXX Balance {$1500.00} Account # XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$1000.00} Account # XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX Balance {$1000.00} Account # XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$950.00} Account # XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$760.00} Account # XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$480.00} Account # XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$400.00} Account # XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$330.00} Account # XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$330.00} Account # XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$300.00} Account # XXXX XXXX  Opened XX/XX/XXXX Balance {$210.00} Account # XXXX COLLECTION Opened XX/XX/XXXX Balance {$200.00} Account # XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$180.00} Account # XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$170.00} Account # XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$140.00} Account # XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$130.00} Account # XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$78.00} Account # XXXX
Product: Credit reporting or other personal consumer reports

I would like this item investigated l. The inaccuracies are highly injurious to my credit score.

Account Preferred Credit 7152** In accordance with the Fair Credit Reporting Act, Public law 91-506, Title VI, section 611, please provide the names and business addresses of each individual with whom you verified the account, so that I may follow up. Please send me an updated copy of credit report after your investigation. Thank you.
Product: Debt collection

I have a collection on my credit report from LVNV FUNDING LLC, XXXX XXXX XXXX, and XXXX XXXX. These are not my accounts I have asked for signed agreement from me to the company and have not been provided one it is against the Law and my rights to have inaccurate and unverified information on my report
Product: Credit reporting or other personal consumer reports

I reviewed a copy of my credit report and I noticed that there are some fraud accounts listed on my report. I have previously reached out to the credit bureau to rectify this affair but they have been negligent in complying with my request. The disputed information is not related to any transaction made by me. 

The accounts and inquiries listed do not belong to me and are invalid. The disputed information does not relate to any transaction made by me. A copy of my drivers license, social security card, and FTC report. 

I am requesting for these accounts to be blocked and deleted from my credit report : XXXX. XXXX XXXX XXXX. XXXX  XXXX - XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXX XXXX. Account number- XXXX I am requesting for these inquiries be removed from my credit report : XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX
Product: Vehicle loan or lease

This is an update with new information for a complaint that had been previously filed against Pentagon Federal Credit Union. The new information is an investigation by the FBI and a letter from XXXX XXXX. The FBI investigation shows that my signature was forged on several documents and one promissory note was altered. The letter from XXXX XXXX confirms that they were duped into providing my personal and confidential information to PenFed. A  Massachusetts 93A Demand Letter has been executed against PenFed.
Product: Checking or savings account

XXXX XXXX spoke to my bank about transactions done via Cashapp, the services that were supposed to be provided by the Person XXXX XXXX resulted to be a fraud and never did anywork and just blocked me, i disputed the charges and my bank said they dont have any dispute rights becaude is a third party transaction, that in most of the cases Cash app grants disputes done internally with your company since this was a fraudulent transaction. I requested the refunds on the app and it clearly says if after 7 days there is no response, an internal dispute will be open in Cash app to get the money back, up to today already 10 days Cash App is giving me zero responses. Transaction sent to XXXX XXXX I need help, I can't believe you will support scams that people do with your company name. My cash app ID is : $ XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

15 usc 1681 Section 602 States I have the rihjt to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A credior may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX. Name of Account : XXXX XXXX Account Number : XXXX XXXX. Name of Account : XXXX XXXX  XXXX Account Number : XXXX XXXX. Name of Account : XXXX XXXX Account Number : XXXX XXXX. Name of Account : XXXX XXXX Account XXXX : XXXX All of these accounts have violated my rights. I do not believe these accounts are verified as well. Opened Date, last reported date, date last active, and date of last payment are all inconsistent from XXXX, Equifax, and XXXX. 

15 U.S.C 1681 section 604 A section 2. States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681 s-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 card or prepaid card

I opened a new credit card with XXXX  XXXX  via comenity bank for a furniture purchase. I never received the credit card and the charges for the furniture were levied. I was unable to make the payment for the purchase online by the due date since I did not have the physical credit card and hence did not know the credit card number. Comenity bank charged me late fees and interest. I called the bank to let them know I did not receive the credit card. They issued me a new credit card via mail and as soon as I received the credit card, I made the full payment. They agreed to waive the late fees but did not waive the interest charge. In this dispute, I had to close the account and lost on the {$250.00} store credit for opening the credit card. In addtion, I get daily harassing calls from the bank despite this being their error and it has severely impacted my credit score which was XXXX prior to this dispute.
Product: Consumer Loan

I got a loan from lend up XXXX dollars till my next payday they would withdraw XXXX and some change but for some reasons I get a call from my back fraud prevention center something about XXXX XXXX and they had ran this 9 times is XXXX dollars. I Thinks company is a scammer or some not legit XXXX And some strange reason they sent me a txt messages regarding this account from this number XXXX thats not happen accounts are discuss I know this company have several financial lending and collecting practices.