23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I saw an ad on XXXX XXXX for a sale I clicked on the link it took me to website. I picked XXXX bags. Filled out all my information & made the purchase. I never recieved an email with tracking information or the items/products. I contact chime my card company & started the dispute process. I was denined without any reason or documentation of the investigation. As I had called & requested. I was out of the money for the items/products & I have still never recieved any items/products.
Product: Mortgage

I have three mortgages with Axos Bank ( primary residence and 2 rental properties ). They have repeatedly place expensive hazard insurance on each of my properties although I have always had insurance and have submitted proof repeatedly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to request the removal of bankruptcy reporting from my credit reports. I have disputed this item with Equifax, XXXX, and XXXX. Equifax, XXXX, and XXXX responded and verified bankruptcy with third-party XXXX. I have received the Results of the Reseller Dispute from the XXXX file in accordance with the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq ). As of XX/XX/XXXX, the dispute information was removed from my file at XXXX. XX/XX/XXXX XXXX dispute filed with Equifax, XXXX, and XXXX but has not received a response. I have attached a dispute letters results from XXXX with my driver 's license and social security card for verification. According to the Fair Credit Reporting Act ( FCRA ) section 623 ( a ) ( 2 ) ( B ), it is required that credit bureaus verify the full social security numbers and dates of birth from the courts before reporting public information such as bankruptcies, evictions and/or criminal histories. However, the Privacy Act of 1974 and the Federal Rules of Civil Procedure 5.2 prohibit the courts from reporting the full social security numbers and dates of birth on all publicly available court records. As a result, any bankruptcy written is unverifiable and violates federal and state law, as stated above. I believe this violates my rights under the FCRA and could subject the credit bureau to a class action lawsuit should a similarly situated class decide to pursue such action. Therefore, I request that bankruptcy reporting be removed from my credit reports immediately. I appreciate your prompt attention to this matter and look forward to receiving confirmation of the removal of the bankruptcy reporting from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act The following account XXXX Account # XXXX, has violated my rights : 1. XXXX XXXX, balance of {$510.00}, date opened XX/XX/XXXX ( would correspond ) 2. XXXX XXXX, balance of {$0.00}, charged off, date opened XXXX ( would correspond ) 3. XXXX XXXX, Balance of {$3100.00} date opened XX/XX/XXXX ( Wouldn't correspond ) 4. XXXX XXXX, Balance of {$550.00} date opened XX/XX/XXXX ( Wouldn't Correspond ) 5. XXXX XXXX, Balance of {$300.00} date opened XXXX ( Wouldn't Correspond ) 6. XXXX XXXX, Balance of {$4200.00} date opened XX/XX/XXXX ( Wouldn't Correspond ) 7. XXXX XXXX, Balance of {$4300.00} date opened XX/XX/XXXX ( Wouldn't Correspond ) 8. XXXX XXXX XXXX , Balance of {$1100.00} date opened XXXX  ( Wouldn't Correspond ) 9. XXXX XXXX XXXX XXXX Balance of {$860.00}, date opened XX/XX/XXXX ( Wouldn't Correspond ) 10. XXXXXXXX XXXX, Balance of {$3300.00} date opened XXXX  ( Wouldn't correspond ) 11. XXXX, Balance of {$280.00}, date opened XX/XX/XXXX ( Wouldn't Correspond ) 12. XXXX XXXX XXXX Balance of {$2700.00} date opened XX/XX/XXXX ( Wouldn't correspond ) 13. XXXX XXXX, Balance of {$2200.00}, date opened XX/XX/XXXX 14. XXXX XXXX XXXX ( XXXX ), XXXX of {$630.00}, date opened XX/XX/XXXX ( Wouldn't Correspond ) 15. XXXX XXXX XXXX XXXX XXXX ) for ( XXXX XXXX ), Balance of {$520.00} date opened XX/XX/XXXX ( Wouldn't Correspond ) 16. XXXX XXXX XXXX co ( XXXX ), Balance of {$240.00} date opened XX/XX/XXXX ( Wouldn't correspond ) 17. XXXX XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX ), Balance of {$920.00} date opened XX/XX/XXXX ( Wouldn't Correspond ). 
18. XXXX XXXX, Balance of {$1000.00}, date opened XX/XX/XXXX ( Wouldn't Correspond ) 19. XXXX XXXX, Balance of {$7500.00}, date opened XX/XX/XXXX ( Wouldn't Correspond ). 
20. XXXX XXXX XXXX, Balance of {$1400.00}, date opened XX/XX/XXXX ( Wouldn't Correspond ) 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: Mortgage

In XXXX 2010 Due to my closing my Trucking business due to economy not producing enough income to cover overhead. I could no longer afford my house payments. I went from XXXX a month to XXXX K in one month time frame. Thus the house was unaffordable. we called XXXX and explained it. XXXX took it over and there was very little communication with us via mail and some harassment over the phone. We submitted paper works with XXXX several times because they would n't be able to find the paper work that was faxed and mailed to them. We talked to several people in the collections department and never went to loss mitigation with them. They did file Notice of Default with the XXXX XXXX courts in 2010 and even had a sale date that we never notified of. But the continual excuses and dragging the issue around when we asked multiple times in writing for a modification did nothing but leave a huge amount because the original loan was never paid and interest and late charges were mounting. We requested a reduction in principal which many homeowners in XXXX XXXX XXXX received but they finally made a loan mod agreement and never mention that there would be a new servicer for the loan and not XXXX. The servicing company Select Portfolio Services. This company has a track record that goes back to before they were SPS. They have been involved in many foreclosures and illegal property sales at pennies on the dollar without notification. No Original note ever being presented. Why when other people in XXXX XXXX county received principal reductions di my mortgages increase to where I have a XXXX balloon payment.
Product: Debt collection

after 3 years of struggling to get a loan modification Loan Care finally did so however after all 3 payments Loan Care put me back on a forebearance agreement ; did not sign off on the loan mod, record it or consummate the loan modification Loan Care kept all the payments which were tied to the loan modification but again the loan mod was cancelled so there is no agreement between me and Loan Care
Product: Checking or savings account

Opened an account at Chase Bank on XX/XX/2019. Received a letter from chase XX/XX/2019 theyre closing the account. Attempted to get an answer, they just stated the information they received from credit reporting agency XXXX. I check XXXX  and there is nothing on my file.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$4400.00} ), XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$7200.00} ), XXXX  ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$860.00} ), XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$18000.00} ), XXXX XXXX  ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$40000.00} ), XXXX XXXX  ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$5100.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously disputed a XXXX  XXXX XXXX  XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX with a balance of {$3500.00} from the first time I saw it on my report back in XXXX because it doesnt belong to me. Over the years, I have sent several certified dispute letters disputing the validity of this item. And I don't agree with your Experians claims that theyve investigation this item. On my last certified dispute letter to Experian dated XX/XX/XXXX, I requested that they mail me the proof of their investigation within 30 days. It has been more than 30 days and they have not mailed me the proof but theyve already closed the case and marked it as updated. Experians claim that the account is verified it's frivolous and unduly. I provided the reason for my dispute in simple language and they had 30 days to perform an investigation and mail me the proof of their investigation. Because this was not done, Experian should delete this negative information. It has been a terrible experience dealing with Experian. I have maintained a careful record of my communications with Experian for the purpose of filing a complaint with the FTC, the Attorney Generals office, and a local court in Texas should Experian not remove this account from my Experian credit reports. See Attached
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ca XXXX tel # : XXXX amount of dollars : {$1000.00} claim # : XXXX This claim # XXXX is similar to this claim above for {$1000.00}. It didn't issue me a provisional credit nor questioning by phone call. So, please favor me with the amount of dollars above because it was a fraud claim and not a refund claim and it was just a prediction by the researcher. 





customer, XXXX XXXX  XXXX I have faxed into XXXX to reopen up my claim but it seemed they didn't receive it.
Product: Checking or savings account

the bank closed the account and forwarded me to their credit resolution department, which in turn asked me to submit documentation, and ftc report is one of them.
Product: Payday loan, title loan, or personal loan

I searched Loan on the XXXX XXXX and I found XXXX. Its odd how when I researched XXXX, it did not pop up. Thats when I knew the app is a scam. Along with the information it had asked me ; employment, bank information, social, date of birth, email & password I knew it was a scam. Ive also received a bunch of emails from different lenders stating that I got approved for a certain amount and from closely reading the document if I were to borrow {$1200.00} through Loan At Last, the interest rate is 664.83 %!!! Thats ridiculous!!! Sadly, Ive read the reviews after I had applied with Loan At Last/XXXX  and they mentioned the same exact thing. Please help me protect my identity and information!
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' So-Fi Technology is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' SoFi Technologies the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, SoFi Technologies whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' SoFi Technologies Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681XXXX of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Debt collection

HELLO MY NAME IS XXXX XXXX AND IVE BEEN ATTEMPTING TO TRY AND RESOLVE THIS MATTER WITH RADIUS GLOBAL SOLUTIONS. PLEASE READ THE FOLLOWING NOTICE THOROUGHLY AND CAREFULLY BEFORE RESPONDING. IT IS A NOTICE. IT INFORMS YOU. IT MEANS WHAT IT SAYS. FOR THESE REASONS IT IS RECOMMENDED THAT YOU CAREFULLY CONSIDER THIS NOTICE AND RESPOND IN SUBSTANCE, WHICH MEANS ACTUALLY ADDRESSING THE POINTS RAISED HEREIN.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have XXXX accounts that I have no knowledge of and have Identity theft reports filed on. They have been removed from my other credit reports from the XXXX other bureaus. XXXX refuses to send me documentation to see how this information was verified, and also continue to allow this fraudulent information to be posted on my credit report. Resulting in my credit being impacted negatively. 

The accounts are XXXX XXXX for {$1000.00} XXXX XXXX {$530.00} I want these accounts removed from my report immediately before I pursue legal action. 

Also the XXXX XXXX XXXX account is also fraudulent and I want it removed as well. If you ask any of these debtors they wont be able to produce any paperwork where I agreed or had any knowledge of these accounts I want them all removed immediately The information from XXXX doesnt match the other information from my other credit reports which according to FCRA is illegal to have inaccurate information reported to my credit report.
Product: Debt collection

I have an active account with XXXX & XXXX for my home address. On XXXX XXXX XXXX I received a collections notice from a Real Estate company indicating someone had used my SS # to open a lease and utility account at the XXXX XXXX Apartments in XXXX, CA. I filed a police report documenting that I did not open this account. I sent the requested dispute documents multiple times to XXXX & XXXX in an attempt to get this resolved. I have an Identity Restoration service through XXXX and XXXX XXXX and have a licensed investigator assisting me in resolving these issues. He has also sent the requested documents certified mail return receipt requested several times. XXXX XXXX XXXX continues to claim that they have not received the documents.
Product: Checking or savings account

Anytime a company wants to charge me it come straight out without giving me a notification that my funds are low or empty. Doesn't even try to stop it from taking my money so I get dozens of overdraft fees.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX have violated my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) XXXX XXXX ( g ) b Validation of debts. 
You XXXX XXXX XXXX failed to validate this alleged debt. 
I refuse to pay this FOR ACCOUNT # XXXX alleged debt until the proper validation of this debt is provided. Please cease and desist all collection activities until you can properly validate this alleged debt. 
Furthermore, I request verification of the alleged debt, specifically, a copy of a contract or agreement. Said contract or agreement must be with the original creditor and signed by all parties involved. You are illegally attempting to collect this alleged debt and money that I do not owe. 
This Cease and desist include but not limited to any collection attempts and or reporting of this account to any CONSUMER REPORTING AGENCY. 
15FDCPA 811 [ 15 USC 1692i ] Legal actions by debt collectors USC 1692c ( c ) Ceasing communication FDCPA 807 [ 15 USC 1692 ( e ) ( 3 ) ] False or misleading representations
Product: Checking or savings account

A factoring company called XXXX was supposed to send a payment to me in the form of a check for {$2000.00}. I asked them before beforehand to send a check because I had to close my bank account. They told me they would mail the check to me, but they did not. The company sent the payment to the closed account using ACH from Wells Fargo when they told me they were going to send a check. I contacted Well Fargo an they stated the company that sent the money would have to request the trace because I was not their customer, they could not help me. I feel like they are trying to defraud me. I contacted the bank XXXX XXXX that the closed account was sent to. They stated the account was indeed closed so they rejected the payment as it could not be posted to a closed account, that payment was sent back to originator. They told me to contact Wells Fargo. I have contacted XXXX, XXXX XXXX and Wells Fargo multiple times with no resolution. The vendor is not being helpful tracing the funds. I feel like they are just trying to keep my payment. It should not be this difficult for an average hard working American to trace and collect a payment that is due to them. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX ( XXXX ) XXXX, and my family ( XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX ) are victims of identity theft/fraud and other crimes that have been reported to the Federal Trade Commission as well as the FBI and Department of Justice. These crimes are pertaining to my brother, XXXX XXXX XXXX XXXX, who is a retired XXXX XXXX with the XXXX XXXX  Department, and our father, XXXX XXXX XXXX XXXX, who is missing and has been missing for over a year along with life insurance policies and other monies stolen. These criminals have also stolen the identities of our deceased mother, XXXX XXXX XXXX, and other family members ( deceased ) with the last names of XXXX and XXXX. These criminals have also committed bank fraud/theft, mail fraud, insurance fraud, property fraud, IRS fraud, cyber crimes and stalking, stalking and harassing, obstruction of justice, witness intimidation and threats, being held against our will, and other crimes. THEY HAVE ALSO IMPERSONATED XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, police officers, FBI AGENTS, journalists and all in order to have access/obtain classified information and impede investigations of these crimes! THEY HAVE ALSO STOLEN MY BROTHER 'S XXXX NUMBER AND IDENTITY TO COMMIT THESE CRIMES! I HAVE SUBMITTED THIS INFORMATION TO THE WISCONSIN FBI AND DOJ AS WELL AS LOCAL POLICE AND THE FEDERAL FBI AND DOJ FOR INVESTIGATION BUT HAVE NOT RECEIVED WORD! I HAVE ALSO SUBMITTED THE NAMES OF THE CRIMINALS INVOLVED TO THESE AGENCIES ( PLEASE CONTACT! ).
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the Experian and XXXX credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX Balance : {$0.00}.
Product: Mortgage

My name is XXXX XXXX, and I have many issues with Freedom Mortgage Company, but I will name 2 of the most recent, they are increased my mortgage payment without my knowledge, and second they do not want to remove mortgage insurance while my loan to value of the mortgage to 78 % or less ; my property almost double in value, on top of that Freedom Mortgage charges me {$10.00} every time to take my payment Please help me because Freedom Mortgage robbing me alive.
Product: Debt or credit management

They stop answering the phone so I can get updates. And everything went to automatic response never talked to a human.
Product: Mortgage

Atlantic Bay recklessly double paid my homeowners insurance when they knew my insurance had already been paid for and now they wont refund me my money. Its as if the proper fiduciary handling money of their customers do not matter at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

Its been 8 months since i filled this complaint Below and Transunion did not responed or fix problem the problem.

.I check My Credit back In XX/XX/XXXX, I found a lot of wrong information on credit report, I was victim of ID Theft. Which I informed all 3 credit bureaus of this .. I dispute all the wrong information and they remove some and left some the same .I continue ask to send me signed documents of proof of accounts that showing wrong. Which they never provided me proof of any of the wrong information that showing on my report.. I received new report on XX/XX/XXXX and its still showing incorrect information .The accounts listed below. Which the have account showing 30 das late payments. I was never late on any of these accounts, Please help me get this fixed. I always paid as greed on time on all accounts. Showing late on theses dates 1. XXXX XXXX XXXX Acc # XXXXxx XX/XX/XXXX 2 XXXX XXXX XXXX Acc # XXXX XX/XX/XXXX 3.XXXX XXXX XXXX Acc XXXX XXXX XXXX 4.XXXX Acc # XXXX XXXX 5.  XXXX XXXX XXXX Acc # XXXXxx XXXX 6.XXXX XXXX XXXX Acc # XXXX XX/XX/XXXX XXXX 7.XXXX XXXX Acc # XXXX XX/XX/XXXX
Product: Credit card or prepaid card

I tried to order me a cash app card and I'm unable to because the company says I violated terms of service but didn't disclose the terms violated. They closed my account and I'm not able to open another account with them. I think this is very shady for their customers.