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

I have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within four business days : ( 1 ) Appropriate identity documentation ; ( 2 ) a copy of an identity theft report ; ( 3 ) the customer 's identification of the pertinent data ; and ( 4 ) a customer declaration indicating that the data is unconnected to any transactions. 

XXXX XXXX XXXX  XXXX, FL XXXX ; XXXX XXXX XXXXXXXX Balance Owed : {$400.00} ; XXXX XXXX  XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$11000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX {$4300.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX {$1100.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX XXXX {$1100.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance Owed : {$810.00} XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX Balance Owed : {$2400.00} ; XXXX XXXX XX/XX/year> ; XXXX XX/XX/year> ; XXXX XX/XX/year> ; XXXX XXXX XXXX XX/XX/year>.
Product: Mortgage

I have lived in the XXXX County area most of my life, and I want to continue to live here and do so in my home. I have seen many good times, and recently I 've seen rough times. Unfortunately, I may be forced out of my home by my mortgage note holder, Select Portfolio Servicing ( SPS ), since they have been uncooperative and even deceptive when I try to work out a solution with them. 

My hardship began in XXXX when unfortunately my father passed away and 8 months later my daughter ran away from home. This emotional turmoil tore my family apart, and then my XXXX collapsed in XXXX. In XXXX, my husband and I got divorced ; and to top it off, I even lost my beloved dog in XXXX as well. The combination of all these events is what caused me to fall behind on my mortgage. 

When this run of unfortunate events began in XXXX, I reached out for help and was offered a rather unfair trial modification. I decided to go forward with in order to keep my home, but I was denied for a permanent modification once I completed the trial period due to missing documents that I had submitted many times to them. They kept making me start over with the process using the same reasoning for denial ( missing documents ), always taking my payments for three months before telling me they could n't move forward and that I had to start over. This continued for 3 years (!!! ) until they told me my arrears were now too high and I did n't qualify for assistance. It appears to me that this was their plan all along ... they had no interest in helping me, they just wanted to take my home away via foreclosure. I have being denied access to options that are supposed to be made available. They deceived me, lied to me, and frankly, stole from me while I was acting in good faith!!!!!!! 

Furthermore, I have serious issues with my property value. My property 's present value is below {$600000.00}, which is disturbing when you consider the purchase price we paid was {$1000000.00} with a {$90000.00} down payment. Plus, I 'm in what could be considered a predatory loan. I was somewhat forced into a 3-Year ARM with a high interest rate when I was looking for a 30-Year Fixed Rate loan. 

If I could get SPS to handle this fairly, I 'm sure I would be able to keep my home and make good on my mortgage. I do n't want or need a handout, but considering my financial recovery I am certain that there is a solution that I could qualify for. Is n't that what all this bailout money ( my tax money!! ) passed down from the government to these banks was for? Are n't these modification programs designed for people who had a hardship ( or in my case many hardships ) and have recovered and just need a little assistance restructuring their mortgage in order to move forward? 

I want Select Portfolio Servicing to stop the foreclosure process, review my loan in earnest for retention options, and stop playing games that prevent this problem from being solved.
Product: Credit reporting or other personal consumer reports

I pulled my consumer report from XXXX i found so many errors, inaccuracies, and incomplete information. I am also requesting that my full complete file disclosure after your reinvestigation of these inaccuracies and incomplete information being furnished. 

These are the accounts with errors i will upload a letter stating the errors, the incomplete, and the inaccuracies being furnished 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 XXXXXXXX
Product: Debt collection

In XX/XX/2018, I disputed a medical debt on my credit report. On XX/XX/2018 I received several letters indicating the amount they claimed I owed and my personal and private medical diagnosis and procedures that were performed from the hospital from the collection company Collection Consultants of California. The original creditor was XXXX XXXX. My rights have been violated as an American citizen! I have never given this company the right to access my personal information obtain info about my medical procedures and diagnosis. This is definitely a DIRECT VIOLATION OF MY HIPPA RIGHTS! I never authorized the release of my information!
Product: Bank account or service

Customer : XXXX XXXX XXXX XXXX , XXXX XXXX XXXX California XXXX Tel : XXXX ; E-mail : XXXXXXXXXXXX Complaint Against : CITI BANK,XXXX XXXX XXXX, XXXX XXXX , CA XXXX Tel:XXXX ; Fax:XXXX POC : XXXX XXXX, Bank Manager Claim for refund of the {$180.00} Legal Fees charged to my account, in the year 2012, I believe, when I was away on XXXX XXXX, when the IRS took money from my bank account. The CITI BANK charged me the {$180.00} as " Legal Fees. '' I want refund of the money. I was a customer of the Citi Banlk for several years. The bank should have appreciated that. 
I spoke to the bank manager, he referred me to the District Manager, who never returned my phone calls. 
FDIC should help me recover my money. This is notto treat customers who are serving in the U.S. military. The bank should be appreciative of my situation, and not undue advantage of me.The bank makes a lot of money.The directors make XXXX.So, why take advantage of a poor person?
Product: Money transfer, virtual currency, or money service

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is affecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX I have followed all of their policies, submitted tracking info, submitted documents, etc yet they have banned me. I even called up the bank to check my card etc and nothing was wrong on their side. I have appealed, etc yet I am not getting any proper customer support.
Product: Money transfer, virtual currency, or money service

while i was at work and a hacker hacked my digital card and begin to spend my money and XXXX of the charges was {$1300.00} from coach in new jersey however i stay in XXXX XXXX and WAS Not in new jersey at the time... the company has not been helpful at all... the person who hacked my account and did the data breach has also taken my information and started over XXXX subscriptions in my name. I have no idea how to get my identity back nor do i know if the company is seriously handling my dispute.
Product: Credit card

On XX/XX/28 on XXXX website I presented with offer to sign up offer of {$250.00} egift card and XXXX free nights worth up to XXXX points for Chase XXXX XXXX credit card. I applied for the Credit Card and then noticed that the offer they actually signed me up for was different that is {$250.00} egift card plus XXXX points only instead of {$250.00} egift card and XXXX free nights. 

I reached out to customer service and they mentioned that my account has {$250.00} egift card and XXXX points offer and they do not see the {$250.00} egift card and XXXX free nights on my account. 

Here is another XXXX thread where customer ran into similar issue - https : XXXX Here is a XXXX thread XXXX other customers who ran into similar issue last year https : XXXX
Product: Credit card or prepaid card

In XXXX of XXXX, I booked a hotel stay for my spouse and me in XXXX, XXXX for XXXX of XXXX. We used our BarclayCard Arrival Card to make the payment. Due to the Covid-19 pandemic, we were not able to travel to XXXX. The hotel refused to give a refund, even though XXXX borders were closed. I have filed a dispute with BarclayCard, but they will not help get my money back, stating they can not " overrule the cancellation policies of the hotel. '' The hotel refused to give money or help, and they were verbally abusive during the process. BarclayCard did not care and would not do anything to assist during this time. Since then, BarclayCard has made the process of disputing transactions impossibly hard. You can not dispute online and have to mail in disputes. They will not even accept disputes via phone. I have been successful in getting refunds independently from other companies, but BarclayCard will not assist with this refund, which is in violation of their terms as a travel card.
Product: Credit reporting

My credit report has an address in XXXX California where I have never lived. I have only lived in XXXX California in XXXX, XXXX XXXX, XXXX and XXXX.
Product: Debt collection

Dear Sir/Madam I own small business named XXXX XXXX  XXXX I had a customer recently which we Have done following job for her, - XXXX  TVs Mounted in highrise - Providing Full motion mounts- XXXX  Wire Concealment - A cage bed assembled - a picture hanged After we done the job customer told us she pay by his boyfriend card and we used square to take the payment and the customer entered card information by herself. 

The customer AFTER TWO WEEKS claimed she can not recognise the transaction to their bank and the square app without taking any permissions deducted the money from my bank account and then we disputed return inside square app and uploaded pictures of communicated text message and also the job we have done. But after about 45 days square informed us the customer bank gave the money to their customer and in this way the customer who provided a fake name to us never pay any money to us for her service and scammed us. 

We contact our bank and provided documents and our bank return the money to our account but square contact us today and threatened us in email and requested us to pay the amount to them. We cant understand why we should pay our money as a debt to a card company and why they never denied the customer fake claim from beginning since the customer told their bank after two weeks and how someone never see a balance for amount of {$1100.00} during two weeks?!! And suddenly after two weeks they contacted their bank and told they cant recognise the transaction?! 


Now square company make a negative balance for the amount of {$1100.00} for us and prevent us to take card payments and threatening us to use all possible ways to take the debt in email. We encourage them to tale their debt from the scam customer but for whatever reason Square has strange collaborations with theft customer and it is obvious for us they possibly used this trick for many other companies yo take a free service and wont pay and run away! 

They threaten us in email as follows Please be aware that if we do not hear back from you or are unable to agree to a repayment solution, Square reserves the right to pursue all available options in recovering this outstanding balance. We look forward to helping you get your account back on track. 



By the way during two years of using square all our customers left positive feedback even inside square and we never had a customer to dispute their transaction! 




Finally Can you please follow the matter asap? And request Square to remove the negative balance from our account? And prevent them to do same story on other companies!
Product: Checking or savings account

my account was closed for no reason and i got XXXX in the account and I did not get my check
Product: Mortgage

I received a letter from Selene Finance dated XX/XX/19 stating I had not paid my mortgage in XXXX and XXXX and that I was in jeopardy of losing my home. I called them and spoke with XXXX and gave him the check numbers for the checks that had been processed through my bank showing that I had made payment. He stated that they had received my XXXX payment on XX/XX/XXXX, so I asked why the letter dated XX/XX/XXXX stated they had not received my XXXX payment. He didn't have an answer. Since that day, I have had conversations with XXXX and XXXX about this situation and all they tell me is that my payment was returned and I've explained that no it hasn't. They are saying I didn't have enough money in my account and my check must have been returned. HELP! I found out today Selene has reported me over 30 days late on my credit report. I really need all this cleared up. I've never had a problem like this with any other mortgage company/servicer. I've attached a copy of my checks ( front and back ) and my bank statement showing the amount was deducted from my account, not returned for insufficient funds.
Product: Credit reporting or other personal consumer reports

I am requesting that these accounts are immediately removed from my credit profile : Account Number : XXXX Creditor : XXXXXXXX XXXX XXXX XXXX Original Balance : {$4500.00} Balance : {$5000.00} Date Opened : XXXX Account Number : XXXX Creditor : XXXX XXXX XXXX XXXX  Original Balance : {$6000.00} Balance : {$7800.00} Date Opened : XXXX Account Number : XXXX Creditor : XXXX XXXX XXXX XXXX  Original Balance : {$5500.00} Balance : {$6100.00} Date Opened : XXXX Account Number : XXXX Creditor : XXXX XXXX XXXX  XXXX Original Balance : {$5000.00} Balance : {$6300.00} Date Opened : XXXX This information is part of a class action lawsuit against XXXX  XXXX XXXX XXXX  XXXX. This institution has been permanently closed due to illegally charging student inaccurate amounts. Due to the fraudulent nature of these accounts, they have been paid off and discharged by the XXXX XXXX XXXX  XXXX. I AM REQUESTING AN IMMEDIATE DELETION OF THIS INFORMATION!
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus was dated XX/XX/2022, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
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 insist on the immediate correction of this error. I earnestly implore you to rectify this situation promptly and ensure that my account truthfully reflects my history of on-time payments.
Product: Credit reporting or other personal consumer reports

I am trying to buy a house, so I pulled my credit report and noticed that I have a late payment reported by XXXX XXXX XX/XX/XXXX. I was really having some personal issues as I am a victim of XXXX XXXX. I reached out to the company, and they were unable to help me with this matter. 

15 U.S. Code 1666b - Timing of payments ( a ) Time to Make Payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
In order for any creditor to treat a payment as late you must prove that : 1 ) The information required under 15 USC 1637 ( b ) of this title was mailed out or delivered 21 Days before the payment due date please provide the proof that this information was mailed out or delivered 21 days before the statement date.

2 ) 15 USC 1637 ( b ) is very specific on all required information needed or that must be mailed or delivered to the consumer! You have 10 days to send me all the required information. 

I send all payments in a timely manner, not sure why the payments were not recorded on my account by the due date. I tried to resolve this issue with the company, but they refuse to help although as a consumer I feel my rights were violated.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to propery investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Debt collection

I reached out to NATIONAL CREDIT ADJUSTERS , L.L.C on XX/XX/XXXX and XX/XX/XXXX to ask them to validate the debt and send me proof of the debt I dont have any debt with this company nor the original creditor I have been trying to get this issue resolved and no one is responding to be I would like this account removed from my credit report
Product: Credit reporting or other personal consumer reports

RE : XXXX Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
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 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 EXPERIAN BUSINESS CRED XXXX EXPERIAN BUSINESS CRED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX Account XXXX The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. 
Show Details | View your Report | View your credit score Updated + 'icon ' Updated XXXX XXXX XXXX Account XXXX The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. 
Show Details | View your Report | View your credit score Updated + 'icon ' Updated XXXX XXXX XXXX Account XXXX The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
View your Report | View your credit score fcra violations all above
Product: Credit reporting or other personal consumer reports

I am a victim of human trafficking of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to XXXX ( b ) ( XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that the Credit Bureaus did not just ignored my request for the removal of the disputed items but has continued reporting the disputed items as verified and correct! This is a clear violation of my rights as a consumer! Under the Fair Credit reporting Act section 605b, the Credit Bureaus are required to remove any accounts and information that resulted due to identity theft. However, in my situation, the Credit Bureaus have been ignoring their responsibilities with the Fair Credit Reporting and have claimed that the disputed items are verified without sending me copies of proof of verification. Also, the Credit Bureaus are claiming to have sent me an updated copy of my Credit Report but I tell you, I have received nothing! I am submitting this CFPB Complaint to you today to complain about the Credit Bureaus willful non-compliance with the Federal Statute. With accordance with the Fair Credit Reporting Act section 605b, I am ordering the Credit Reporting Agencies to immediately remove the following fraudulent accounts and information 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 ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$290.00} XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance Owed : {$690.00} XXXXXXXX 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