23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On or about XXXX XXXX, 2006, I financed and obtained a Refinanced Mortgage Loan in the sum of {$380000.00}. HSBC concealed the fact that the loan given to me was an " Adjustable Rate Note ''. As evidenced by the recorded Deed of Trust the box entitled " Adjustable Rate Rider '' that is supposed to be checked if the Loan is Adjustable was not checked and the required Adjustable Rate Riders that are supposed to be attached are not attached. ( See Deed of Trust attached ). 
I signed a fixed rate 30-year mortgage. HSBC has substituted for the fixed rate note signed by me for a variable interest rate note bearing the FORGED signature ; said another way, the variable interest rate promissory note used by HSBC in the lawsuit I filed bears a FORGED signature and I never signed said note, nor did he ever ratify said note. I hired an handwriting expert and she determined that my signature is a forgery.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E.Report and other furnished XXXX XXXX, XXXX XXXX, Innovis inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX I have unknown or fraudulent addresses, appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses:XXXX XXXX XXXX XXXX XXXX, XXXX , PA XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX ,XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX. This 2nd tempt to remove the items and requesting a freeze.
Product: Mortgage

We originally received a statement from Shellpoint Mortgage Servicing stating we owed over {$6000.00} after taking over our mortgage from XXXX. After filing a complaint, we are in receipt of a new letter stating we now " only '' owe {$2600.00} for " Bankruptcy Legal Fees ''. We have not filed for bankruptcy. We believe something is amiss here.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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

This CFPB compliant has been filed to request pursuant to FCRA 605B Under 15 USC 1681c-2c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within XXXX business days of receiving a complaint consisting of the information below XXXXXXXX XXXX XXXXXXXX {$3800.00} XXXX XXXX XXXXXXXX {$3000.00} XXXX XXXX XXXX XXXX {$35000.00} XXXXXXXX XXXX XXXX XXXX {$0.00} These credit accounts are the results of identity theft and fraud.
Product: Checking or savings account

Trying to open an account and it wont allow me to open the account
Product: Credit reporting or other personal consumer reports

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section XXXX ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer ; and ( XXXX ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX XXXX, XX/XX/XXXX, This CFPB compliant has been filed to request pursuant to FCRA 605B ( 15 U>S>C & 1681c-2 ) that you, the Experain credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and Fraud within 4 business days of receiving this compliant. this fraudulent, inaccurate and false information consists of a XXXX XXXX XXXX - Account # : XXXX, opened XX/XX/XXXX, XXXX XXXX XXXX XXXX - Account # : XXXX, opened XX/XX/XXXX, XXXX XXXX XXXX XXXX - Account # : XXXX, opened XX/XX/XXXX, XXXX XXXX XXXX - Account # : XXXX, opened XX/XX/XXXX, XXXX XXXX XXXX  - Account # : XXXX XXXX XXXX - Account # : XXXX, XXXX XXXX XXXX - Account # : XXXX, I do not recognize the aforementioned accounts, collections.as reported these accounts, collection appearing on my consumer credit report maintained by you were not opened, made or initiated by me. All of the aforementioned accounts are the result of identity theft and fraud. I have attached a copy of FTC Identity theft criminal complaint as proof from the US Federal trade commission that all these consumer accounts are the result of identity and fraud.
Product: Money transfer, virtual currency, or money service

This is me formally expressing my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. Either never resolving the issue or never hearing a response. When a response did come, they informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety. Please take this matter seriously.
Product: Debt collection

I was a student at the XXXX XXXX in XXXX New Jersey from XX/XX/XXXX to some time in XX/XX/XXXX. Upon removing myself from the course I was told my personal loan was able to be returned to the creditor in full and I would only be responsible for the federal loan portion of {$1000.00}. The XXXX closed due to Covid 19 in XX/XX/XXXX and I am now being sued for {$5400.00} and it appears as if the personal loan was never returned like I was told it was. I cant even contact anyone associated with the XXXX because they are closed and all redirections to obtain my files are now defunct. The company who has now obtained this debt is XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THAT THERE IS AN ACCOUNT THAT SHOWS LATE PAYMENT HISTORY WHICH IS IN ERROR. 
I HAVE SENT DISPUTE LETTERS ON XXXX20, XXXX20, XXXX20, AND XXXX20, BUT TO DATE I HAVE NOT RECEIVED ANY RESPONSE FROM YOUR COMPANY. YOUR FIRM COMMITTED FOUR 30 DAY VIOLATIONS IN DIRECT VIOLATION OF THE FCRA STATUTES.

ALSO, THERE IS AN ACCOUNT REPORTING LATE UNDER, THE ACCOUNTS TO AMEND, WHICH SHOULD BE AMENDED TO SHOW, NEVER LATE.
Product: Credit card or prepaid card

The XXXX XXXX AAdvantage Citi MasterCard long advertised a benefit of covering car rental insurance. To this day a XXXX search of benefits of that card lists rental car insurance coverage. 

See http : /XXXX XXXX XXXX XXXXXXXX/ In fact Citi MasterCard advertises this benefit for all of their MasterCards. http : //www.citibank.com/us/cards/mstr-rntl.htm Because of this benefit people are advised NOT to purchase insurance from rental companies, and use MasterCard instead XXXX 

In XXXX-XXXX was in XXXX on an emergency trip. I rented a car using this card, and was in an accident where a bus hit our car from behind at a stoplight. ( Fortunately no one was injured. ) I called the number for XXXX MasterCard claims, and was informed that XXXX MasterCard had " decided '' two years ago to stop covering this. 

Fortunately the bus company has admitted responsibility and is covering the cost of repairing the car. I will be receiving a full refund from the car rental company. But this could be devastating financially to others involved in accidents while driving rental cars, and believing they were insured by the credit card company.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 I received an email from XXXX indicating that there was a charge {$310.00} from XXXX transaction. I was instructed to call. I called the number and spoke to a guy named XXXX Employee number XXXX from XXXX fraud department the phone number XXXX receipt Number : XXXX. Here is the cell phone XXXX. He explained to me that there were other transactions pending from my account. He said that the hackers were able to get into my account and place charges. - The first charge was in the amount of XXXX Which he said that he was able to block the transaction. He informed that there were other charges that were pending. The Second charge was XXXX - Third Charge was XXXX and they would front the XXXX so I would only have to send XXXX I am out of {$2100.00} He explained to me that I would have to send the money through XXXX to the following emails that he provided XXXX and XXXX to try to catch the hackers and remove them from having access to my IP ADDRESS on my phone. XXXX XXXX and XXXX XXXX. He told me to put void transactions in the memo field so the bank will know that it not a valid transaction. I sent 3 transactions through XXXX  and it was received. He told me that I would get my money back within 30 min. I was suspicious so I called the bank and filed a fraud complaint. I placed a complaint with the bank asking for a courtesy refund. They declined the request. I filed another complaint to the executive office and they declined my request. I am a single mother and I used all of my money that I had in my account. I have filed a police report, I have filed a complaint with the OCC, CID Cybercrimes, IC3.GOV. I am asking that a bank Wellsfargo that I have entrusted and have been loyal to for 30 years grant me a courtesy.
Product: Credit reporting, credit repair services, or other personal consumer reports

i experienced identity fraud and these inquiries are a result XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

A number of years ago i had someone use my social security number to access lines of credit and open credit cards, since then there has been multiple accounts opened in my name with different addresses, phone numbers and employment details that are incorrect. This is not my address ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX This is not my employer ; XXXX This is not my phone number ; XXXX
Product: Debt collection

in XXXX of 2019 LVNV placed a collection account on my credit report without contacting me first to allow me the chance to dispute and request validation and substantiation. In XXXX of 2019 i requested Validation and substantiation from LVNV via certified mailed letter and they only responded telling me that i had the right to request substantiation but never provided me with the actual documentation that would prove they had the legal right to try and collect on this alleged debt. I sent my request certified mail and my dispute was not properly handled by the company. LVNV has also continued to report this debt as valid although they have failed to provide substantiation on several occasions via online disputes with the Credit Bureau, Specifically XXXX. Due to LVNV failing to provide the substantiation information i requested in XXXX this account needs to be deleted but the company refuses to delete it although they didn't provide appropriate documentation to me in time. This company also placed the collections on my credit without giving me time to dispute the alleged debt.
Product: Credit reporting or other personal consumer reports

Transunion is knowingly, and willingly, continuously reporting non accurate information on my consumer report - Wrong Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion has not and can not provide documentation pursuant to 16 CFR 313.7 Form of opt out notice to consumers ; opt out methods. I have request multiple times that Transunion provide evidence from investigation pursuant to 15 U.S.Code 6802 - Obligations with respect to disclosures of personal information.
Product: Mortgage

I am a veteran and have a VA Loan. Due to hardships relating to XXXX I lost my job and used up all my savings until I found another job. As a result my mortgage fell behind. I contacted my servicer Shellpoint to start the process of a loan modification a year ago. I have supplied all required documentation ask of me every single month leading up to my most recent submission XX/XX/XXXX. Every single month they continue to ask for information and my file has never reached an underwriter for a decision as to any home retain programs that are available to. XX/XX/XXXX, they requested additional information that has already been provided ; I have provided Profit and Loss Statements up through XX/XX/XXXX for my 1099 business and now they are asking me to create a profit and loss statement for all my clients that I serve although most of my income goes through my primary account. I don't understand why I need to create a Profit and Loss for each client I have as it's under one business. My income is already reported on my tax returns for the business and not per client. They have received all bank statements through XX/XX/XXXX, paystubs through XX/XX/XXXX, and my file has yet to reach an underwriter for consideration. This " Request for Documents '' has been going on month and after month and now I have a foreclosure sale date on my home for XX/XX/XXXX. I have uploaded and e-mailed all documents required of me. As one document they ask for is provided, another document expires and this has been the vicious for over a year now.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts are not mine I noticed them recently and I need them off as soon as possible
Product: Credit card or prepaid card

Chase offered discounts on certain products to purchase using rewards points earned on credit card. Over a month and the order is still not received. Customer Service was rude and unapologetic for the lack of coordination with Chase 's vendor to fulfill orders. Information about the status and communication of the status was not readily available and difficult to ascertain.
Product: Credit card

I have tried many times to get these people to change my e-mail address to XXXX, but they will not change it from XXXX to the XXXX account to no avail ... .I have advised the CEO and his workers will not help. The {$81.00} was illegally taken from my account. 

Please Help XXXX XXXX
Product: Credit card

I was contacted by Discover about abnormal transactions. I panicked and agreed to cancel my XXXX cards and I was issued replacements and was steered in the direction of filling a fraud claim by discover. At the time I wasnt aware of the transactions. I found out the unauthorized transactions were made and covered up by someone in my home. Between XX/XX/XXXX through XX/XX/XXXX I believe Discover was deceitful and misled me by giving false hope and non factual information pertaining to the outcome of the investigation. The dispute department was also very unprofessional and very critical of me as a parent. I was told it was going in my favor and that it would be taken care of. I was told within XXXX hours it would be resolved. But what Discover fraud investigators did was remove the balance twice, and both times when they restored the balance they pushed me over the limit by a few thousands dollars. This not only damaged my credit score but it will cost me excess accrued interest fees. I have never been over my limit as a customer. I dont believe this is fair to treat customers this way and damage their credit score.

Obviously Im disappointed about the outcome because the XXXX investigator team assured me that as a customer I would never be held liable for unauthorized transactions. But even more so Im disappointed with how Discover financial services has damaged my credit score and pushed me over my credit limit. I dont believe I should be held responsible. I believe its deceitful due to the fact that they offer protection for its customers for unauthorized transactions. This was never about fraud, I was directed by Discover to file my complaint as fraud and I believe that made things worse for me as a customer.
Product: Checking or savings account

I am currently banking with chime. I started to see funds that I did not authorize being taken out of my account on XX/XX/2022 through third party accounts such as XXXX and XXXX ( which I have personally shopped with ) and online retailers that I have not shopped with before. I never received my physical debit card with this bank and only relied on the one you can view in the app. I reached out to XXXX  which I instantly noticed reoccurring payments being placed and was advised via phone to allow the transactions to go through then settle it with my bank as it could possibly affect my good standing account with them while it get sorted out. XXXX is a company that allows you to buy items and pay for them every 2 weeks until it's fully paid off by 2 months. During this time, I was experiencing personal issues with harassment from work and a death of a friend which hindered my ability to fully monitor what was happening. Ultimately, I had {$970.00} of unauthorized transactions with my chime checking and {$45.00} on my chime credit to be missed. I reached out to chime. I explained to them that I never received my physical debit card but, I did have my credit card physically on me in my phone casing at all times. They did a dispute, gave me a credit of {$45.00} for my chime credit within a day and denied my debit unauthorized charges twice even with the limited proof I showed them in regards to reaching out to my store manager and store lead to possibly pull up cameras as that the only place I go to aside from work. It took them 8 days to give me documentation on why they denied my claim which I had to update them on after not hearing from them after 7 days. In the documents, they stated that the charges was reoccurring which XXXX is a reoccurring charge and also that I said my checking debit card was stolen which I never said. I stated it was never received. They also stated that my chime was attached to these companies database and looked similar to my authorized transactions which don't make any sense given that card information is indeed normally stored to sites like XXXX and XXXX. They did not uphold to regulation E as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I reviewed A copy of my credit report and it shows a direct violation of the FDCPA if a charge off or collection account is reported with a balance. This account shows a balance of XXXX as of XX/XX/2021 2021
Product: Credit reporting or other personal consumer reports

I am writing to dispute a hard inquiry that appears on my credit report, which I believe to be unauthorized. After reviewing my credit report, I noticed an inquiry listedunder your company 's name. I would like to bring to your attention that I did not authorize this inquiry, and I am requesting that it be promptly investigated and removed from my credit report. 

Below are the details related to the unauthorized hard inquiry : XXXX - XX/XX/
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX XXXX  has transferred the account over to XXXX, but still reporting on my credit report.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly 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 violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, 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 administrative proceedings ( 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. These are the accounts that I have marked as inaccurate : XXXX XXXX XXXX, XXXX XXXX and XXXX, XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Product: Credit reporting, credit repair services, or other personal consumer reports

1 am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts XXXX XXXX {$670.00} Inquiries 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX