23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My loan is/was with XXXX XXXX XXXX. I was on a forbearance plan which terminated on XX/XX/XXXX. I signed up for a junior mortgage and was to begin making payments again on XX/XX/XXXX. 

XXXX XXXX XXXX supposedly sold my loan to XXXX XXXX XXXX XXXX XXXX, which has no record of my mortgage. 

When speaking with XXXX on today, XXXX ( XXXX ) stated she could take my payment over the phone. I stated I wanted to pay online. I was then transferred to XXXX XXXX ( XXXX ), who told me that I could not pay online because I had written too many bad checks. I told XXXX I had never written a bad check in my life and had been paying online since they bought my loan in XXXX. XXXX then transferred me to XXXX ( XXXX ), a supervisor, who said my loan was in the process of being sold/transferred. 

I asked XXXX how do I pay if the new company says they have no record of my loan and he said their was nothing he could do. 

I am also concerned with the fact that I completed junior loan paperwork with Lakeview Loan Servicing, yet, they sold/transferred my loan.
Product: Credit reporting

SECURITY FREEZEI live in Indiana and so I 'm entitled to place a security freeze on my report. I had no problem doing so online with XXXX and XXXX. But EXPERIAN on XXXX/XXXX/2015 and again XXXX/XXXX/2015 would not do so online - giving the message '' We were unable to honor your request ... based on the ( same ) information you entered '' NO info or explanation was given. I was told to MAIL lengthy and onerous info to obtain the freeze ( eg copies of govt ID, utility bill, along with all my info = SS, DOB, past addresses, etc ) Since the other agencies had no problem, I have to believe that Experian is doing everything possible to make it as difficult as possible in order to discourage consumers from placing a freeze on their account. 
In that my personal info was likely obtained in the XXXX XXXX XXXX data breach, Experian should be held strictly liable for any damages I incur from their failure to implement a timely Security Freeze.
Product: Debt collection

XXXX XXXX the State Attorney for N. Y died American Finance Corporation and stated they were prime lenders and preyed on poor people who suffered from their fear tactics and they had to pay the board members because they lied and lower the amount of money. 
For us poor people of alabama we have no one to fight for us who no one to fight for prime lenders practices.. I had an accident when they came to repossession of the car and I didn't get the money I should have gotten because they wouldn't let the insurance adjuster know where the car was. They did tell me I would have to pay exorbitant fees for them to look at the car and I was helpless. What was done he did remove the late payments from the credit bureau put put the balance of the car on my credit report and is keeping me from buying the house I have live in 5 years and I as a XXXX of XXXX XXXX XXXX has left me XXXX XXXX because they hold the keys and what little time I have it looks like they have the key and I'm no match for these double dealing prime lenders. It seems like poor XXXX don't stand a chance when they realize your age.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance Owed : {$2800.00} XXXX XXXX Balance Owed : {$2300.00} XXXX XXXXXXXX XXXX Owed XXXX {$4500.00} XXXX XXXX Balance Owed : {$1300.00} XXXX XXXX XXXX Balance Owed : {$1800.00} XXXX XXXX XXXX Balance Owed : {$2400.00} XXXX XXXX XXXX Balance Owed : {$2800.00} XXXX XXXX Balance Owed : {$2200.00} XXXX XXXX XXXX Balance Owed : {$1700.00} XXXX XXXX Balance Owed : {$4500.00} XXXX XXXX Balance Owed XXXX {$4000.00} XXXX XXXX Balance Owed : {$1800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone has used my SSN to get a tax return. I have had a fraudulent check put into my checking account. Someone has managed to be able to get a couple of loans and open a checking account as well. There are 53 hard inquiries on my credit report. I have paid XXXX XXXX  about {$200.00} all together to help get them off. They didn't do anything but call and bug me for more money. I have called the credit bursaries and asked recently and today. so something might change soon. I need to refinance my car with in the next 30 days. I have been dealing with this since XXXX the first time I filed Identity theft. I just did again last month after I found about someone using my SSN to a tax return. I sick of this I've only had three cars on my credit and two credit cards. the refinancing is part of a court order so my ex will get his truck off my credit and I do the same for him. all this is making it financial hard because I need a lower car payment and I need NOT to break that court order. National Credit Adjusters or they go by XXXX, XXXX XXXX XXXX was one but you'll help me with that one and it is no longer on my credit thank you, XXXX XXXX. The XXXX XXXX is the fraudulent check put into my account. I did get a loan with them but a second check ended up in my bank account at XXXX XXXX XXXX and I was cleared of having anything to do with the second check.
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. 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 XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX
Product: Debt collection

Hi, I used " Rural metro - Ambulance '' service on XXXX XXXX XXXX for my daughter. I provided with my insurance information to the people in the Ambulance when they took all my information but it was never cascaded down from there. Months after the service, I got a bill from XXXX of California asking me to pay the bill of {$1700.00} or Provide my insurance details. I provided them with my XXXX insurance after checking my coverage eligibility with XXXX. For almost a year, XXXX of California submitted the claim to XXXX 3 times with incorrect diagnosis code which was pointed out clearly by XXXX but yet, the same claim with incorrect code was again n again sent to XXXX by XXXX of California. Recently I got to know that XXXX XXXX has handed it off to Collection agency ( Credence resource management ). I called the collection agency on Friday ( XXXX XXXX XXXX ) and provided all my insurance details and today morning ( XXXX XXXX, XXXX ), I went ahead and did a three way calling between the insurance agent ( XXXX ) and the insurance agent in the debt collection agency ( Credence ) to explain the root cause of the problem so that they can address it and send the correct claim to XXXX. 
After my multiple discussion with Credence resource management in last couple of days, I feel that the information that is being told to them is not properly documented and cascaded across their departments. 

For instance, I provided the insurance #, address of the insurance company etc. to them during my conversation, however they mentioned to XXXX during my three way call saying they do not have any info on file. This is one of the many problems I have experienced with the Debt collection agency. Also the collection agency insurance agent tells me that I have to wait for 30 - 45 days so that they can prep all the information needed to be sent to XXXX for processing the insurance and I m worried if anything will be messed up again. 

This has become my part time job to make sure XXXX XXXX XXXX or right now the collection agency talks with our insurance company and typically both XXXX XXXX and this collection agency expects me to literally do the three way calling and just be a middle man to make both of them talk. It is extremely frustrating experience so far and I m worried how this process will even end. 

Request you to please look into this issue and reach out to me if any questions. 

Here are my details. 
Name : XXXX XXXX Creditor : XXXX Creditor Account number : XXXX Creditor Reference Id : XXXX Balance due : {$1700.00} My email : XXXXXXXXXXXX My Phone : XXXX
Product: Student loan

It is impossible to view a statement with clear numbers for how much I owe, how much the interest rate has gone up and even the dates for the loan. Specifically they increased my interest rate and I ca n't look at previous statements to see when. I think it was this month. I 've had a loan with XXXX since XX/XX/2004, then Navient. For YEARS it 's been impossible to deal with them - repeated misplacement of documents during consolation, differing information between agents on the phone, hours spent trying to answer simple questions and changes made to payments without my consent. I have many years documented, including names, id numbers and conversations. Most currently I just want to see a statement and the online site has no option to do so. Also the loan never said it was variable when I first signed on with XXXX. It was sold to XXXX, and is now under Navient. Please help!
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 has violated my rights. 

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

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: Money transfer, virtual currency, or money service

I got a call from someone who claimed herself as FBI officer and she told me my ID was being abused by someone doing drug trafficking and money laundering. Also, my ID and SSN have been used for multiple bank accounts and in order to differentiate my accounts and the imposter 's, I need to transfer all the money in my account to another account she appointed. I initially thought it was a fraud so I hanged up the call but soon later someone called from XXXX and claimed himself as the police officer and told me that was real and I must follow the instructions. I XXXX the number calling from and it does belong to the government agency. Therefore, I wired the money out. Later they asked me to liquid my stock portfolio and wire more money to them, I realized I have encountered a fraud.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXX information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX  - Opened on XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX  - Opened on XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

We purchased XXXX Amex Gift cards directly from Amex on XX/XX/XXXX order number XXXX. We lost 3 of the cards. One card with a balance of {$2800.00} card number ending in XXXX, the 2nd card lost had a balance {$500.00} card number ending in XXXX and a third card with a balance of {$390.00} card number ending in XXXX. We have called the card company 2-3 times a month ( average an hour on the phone each call ) since XX/XX/XXXX and still have not received replacement cards. On XX/XX/XXXX I sent them copies of my drivers license, utility bills and proof of purchase and I was told many times that the replacement cards were being sent to me and none have ever showed up. I also called AMEX direct and they supposedly escalated with the gift card company they use named XXXX but still haven't heard back.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

Account Name : XXXX XXXX # XXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXX  # XXXX UNAUTHORIZED INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act XXXX XXXX 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 a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act DEPT OF EDUCATION/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
Product: Credit reporting or other personal consumer reports

I wrote a letter to XXXX XXXX because they are reporting a Charge off with XXXX XXXX  AND a recent late payments. So every month that my report is generated, it shows a late payment to them although the account is charged-off. IT IS NOT POSSIBLE TO CONTINUE TO BE LATE AND THE ACCOUNT IS CHARGED OFF. 

I recognize that the account has been charge-off due to non-payment. However, the lender nor creditor can indicate recent late payments when the account is inactive.
Product: Debt collection

ON XX/XX/2020, I NOTICE 5 COLLECTIONS FROM HMC GROUP ON MY CREDIT REPORT AND SENT THEM 5 LETTERS CERTIFED WITH RETURN RECEIPT DISPUTING THE ALLEGED DEBTS OF :  XXXX,XXXX,XXXX,XXXX, AND XXXX THAT I DO NOT OWE.I HAVE ATTACHED COPIES OF THE LETTERS BELOW IN YOUR ASSISTANCE IN THIS MATTER.
Product: Mortgage

Ok, so your questions getting to this point didn't have anything to do with my situation. 
My problem is that us bank gave my complete mortgage account history and account information to a third party not on or even related to my account. I found the person ( XXXX XXXX ) in possession of my account information which included all payment history, account numbers, and other personal information. XXXX XXXX called us bank late XX/XX/2021 and it took them 2 weeks but they sent an email to XXXX on his personal email ( XXXX ) on XX/XX/2021. I confronted us bank and they said they would " look into it ''. I'm furious that I have to give them the size of my left toe just to talk to anyone and XXXX was able to just ask for this information and they just gave it to him.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request, pursuant to FCRA XXXX ( 15 U.S. C. XXXX XXXX ), that TransUnion block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of multiple accounts and inquiries that were opened or made without my authorization. The following accounts are fraudulent and need to be removed from my credit report. 

XXXX - XXXX XX/XX/XXXX XXXX XXXX - on XX/XX/XXXX XXXX OF XXXX on XX/XX/XXXX XXXX BANK - XXXX XX/XX/XXXX XXXX XXXX - on XX/XX/XXXX There is also an address that i do not recognize as reported that needs to be removed : XXXX XXXX XXXX  XXXX XXXX GA XXXX All of the aforementioned accounts, and inquiries are the result of identity theft and fraud. I have attached a copies of the FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer loans, and inquiries are the result of identity theft and fraud
Product: Debt collection

The bankruptcy which is being reported to my credit report is inaccurate. The case which youre reporting as valid & accurate is actually incorrect. I never had a case tried or seen. There was NEVER A JUDGMENT. No judgment means there was never a case. A judge never saw a case so how is XXXX being reported. 
Please see this account is removed from my file at once. 
XXXX XXXX : Bankruptcy Reference Number : XXXX PLEASE DELETE!!! 
If you continue to report this information without truly verifying the information I will be seeking a legal remedy. Ive already discussed this matter with my attorney & he will draw up the federal case within 30 days of this letter if its not removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is incorrectly showing that I have a payment of over {$40000.00} per month!!! When the actual payment is less that {$300.00} per month and I have provided proof of this FACT, this is incorrectly showing my debt to income ratio is over 442 % thereby ruining my credit. All credit bureaus except Experian is showing the CORRECT payment. Its impossible to pay {$40000.00} per month when If owe that total amount. If the Experian credit report was accurate then I would pay {$480000.00} per year!!!!!! THIS IS AN ERROR!!! 
Please show what I pay monthly CORRECTLY. I have a court order proving this point. The next step will be litigation. Why has XXXX  and XXXX  accepted the TRUE facts and Experian has not. Experian is contacting child support and simply asking what they believe I owe but Experian is not accurately show my monthly payment that has NEVER been Late and NEVER been in collections as a missed payment. I DO NOT HAVE A {$40000.00} per month payment!!!!!!! Correct my TRUE monthly payment is all. To make matter worse this reporting is WAY past the statute of limitations and Experian is violating the FCRA
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the following with XXXX and the creditor directly. 

I have uploaded two copies of my credit report so the discrepancies can be seen on the reporting. 


XXXX 11 potentially negative months The payment and final agreement were made by my ex-husband, I did not even know the account was opened under my name & social. there was almost zero way to get the account number to even try to work with XXXX XXXX directly in the Beginning of me trying to resolve this issue. 

CAVALRY PORTFOLIO SERV Collections XXXX shows opened XX/XX/XXXX payment legend shows only 3 months of collections {$1900.00} Incorrect Reporting on the date opened, showing the date the collections was opened. 
Also was not opened by me and the original creditor can not provide proof upon request. 

XXXX XXXX XXXX  Collections XXXX XXXXXXXX {$3700.00} Incorrect date of delinquency Incorrect Reporting on the date opened, showing the date the collections was opened. 
Also was not opened by me and the original creditor can not provide proof upon request. 

XXXX XXXX XXXX Collections {$520.00} Original creditor : XXXXXXXX XXXX showing opened date of XX/XX/XXXX- but synchrony Reported it delinquent before that Incorrect Reporting on the date opened, showing the date the collections was opened. 
Also was not opened by me and the original creditor can not provide proof upon request.
Product: Checking or savings account

XX/XX/21 An unauthorized check was cashed against my personal checking account in the amount of {$6500.00}. 

XX/XX/21 While reviewing my online banking statement, the fraudulent check was discovered and Santander bank was notified of the issue. 

XX/XX/21 A follow up call was made to the fraud operations department at Santander, the representative had little to no information in their notes from the original call. The representative noted the issue was marked high priority however had not been looked into by anyone at the bank as of XX/XX/21.
Product: Credit reporting or other personal consumer reports

Under ( FERPA ) My rights have been violated. My student loans have been reported for years without my consent. Under the ( FERPA ) Act, Schools are to tell the parents or eligible students about information that is going to be shared to allow the parent or eligible student a reasonable amount of time to request that the school not disclose information about them. The schools are to notify the parents or the eligible students annually of their rights under FERPA. I was not disclosed any of this information per 15 U.S.C 1681b ( 2 ) ( a ) Transactions was not supposed to be shared without my consent. I asked for a document showing my wet signature showing that i entered into this contract with them and they did not respond. I have attempted to resolve this problem for months now with no avail so the next step is to sue for fraud. XXXX did not notify me that they were going to share information with a 3rd party. They did not have my consent by verbal, written ( wet signature ), or e-signature. I want this information deleted off of my credit report immediately. If not the courts will be involved.
Product: Money transfer, virtual currency, or money service

XX/XX/2022 My cousin called me and requested {$300.00} to help with his car on cashapp. He and I both verified the Cash app username and his profile picture was on the account when i sent the money. However we later found out he never received the money and when i reopened the cashapp App the profile picture had changed and my money could not be refunded. On XX/XX/XXXX I messaged Cashapp because this was a software glitch and they told me the only way I could get my money back was to get it refunded from the person that received it. However the person that received it is a complete stranger and did not refund my money
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a Victim of a data breach Someone used my personal information to open several fraudulent accounts in my name. 
The following accounts are fraudulent XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX, XXXX # XXXX, Someone also filed XXXX fraudulent bankruptcies in my name. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX And Someone used several fraudulent address in my name also XXXX XXXX XXXX XXXX, ga XXXX, XXXX XXXX XXXX XXXX ga, XXXX XXXX XXXX XXXX ga XXXX