23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX  endeavor to tell you that I am a victim of identity theft and I complain about questioning specific items in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any items in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX continues to verify a Synchroncy bank/gap debt to XXXX, during the dispute process, that has been reported as fraud. XXXX have received XXXX police reports from XX/XX/XXXX & XX/XX/XXXX from XXXX & XXXX, and have removed their reporting to those credit agencies. The report from XX/XX/XXXX was from XXXX XXXX Police, & XX/XX/XXXX was from XXXX XXXX Police Department. There was fraud on my account with gap from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX. 

In CFPB case XXXX, gap stated in writing, through their Corporate Consumer Relations Specialist, XXXX XXXX that, " they have verified the amount owed by me. '' However, it is idenity theft. And gap 's account listing on my XXXX report, should be removed. I have been unable to talk to XXXX XXXX because when I call, it goes to voicemail. A request to set a specific time to call & discuss this matter by email, gone unresponded to. 

I am unaware why XXXX continues to verify the debt. A separate CFPB case complaint will be filed, to have them answer to that.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX
Product: Mortgage

Refinanced in 2013, and another mortgage co.bought that mortgage contract. They raised my monthly payment from? XXXX a mo. To {$1600.00} a mo..they say I was behind in my escrow. Never missed a payment and had to pay XXXX months of escrow when I refinanced.they said if I payed the extra {$160.00} a mo. For XXXX months, it would go back to {$1400.00} a month. Now I 'm paying {$1500.00} a month and I want the money back. I also want them to honor the original contract and make my payment {$1400.00} again.
Product: Debt collection

Meridian Financial has contacted me in regards to a debt that is past Statute of limitations at 4 years. they called me 3 times in regards to an account that is past collections activity
Product: Vehicle loan or lease

charge off Profit/Loss write off ... still reporting a balance due. Different DOLA dates, date of last reported, date last active, date opened. Inaccurate data reported, requested A debt validation have not recieved, told debt collector agency send debt validation FCRA violations are subject to {$1000.00} per violation payable to me.
Product: Mortgage

Nationstar mortgage acquired my loan from XXXX XXXX XXXX ( XXXX ). I asked XXXX in XXXX how to remove pmi from this loan and was sent a letter saying that I owed XXXX for removal. I sent in $ XXXX from tax refund. I received XXXX more letters from XXXX the last stated that I owed $ XXXX to remove pmi. This was 3 months ago and before the last XXXX payments to nationstar. Nationstar says that I owe $ XXXX the numbers are not even close. How is there such a descrepency? I did not ask for this change however I am not looking to lose several thousand dollars. I have requested pmi removal XXXX from nationstar with no correspondence from them.
Product: Student loan

I have attempted to contact NelNet several times over the past few months to check on the status of my repayment plan change. NelNet is impossible to get into contact with. Their phone hold times are over 2 hours and you never end up reaching anyone. If you reach out to them via email, they will never get back to you. My first payment is due in less than a month and I have no idea how much I actually owe or what my repayment plan status is. This is ridiculous that NelNet is actually getting paid to be a complete XXXX
Product: Mortgage

The home was foreclosed on. It's been a decade or more I don't remember exact dates but I am sure they are part of the XXXX XXXX record and I have the letter from Wells Fargo which I just received which provides the account number. 

I see in litigation records that the average reward for this type of situation was around {$24000.00} and they send me {$200.00}.
Product: Debt collection

XXXX XXXX from Law office of Patenaude & Felix called me at XXXX today. XXXX XXXX asked me if I intend to make payments on the loan I owe. I explained that since I have records of only XXXX loan being signed I had requested from XXXX XXXX, the representative at their law firm, proof of the second loan. XXXX XXXX proceeded then to threaten that they would enact the judgement against me, even though I 've repeatedly tried to get proof of this second loan that they insist I owe them. He harassed me by belittling everything I said and when I told him I could pay about {$100.00} a month he said, " Ha, you want me to do all the leg work for $ XXXX/mo that will take you 18 years to pay ''. I explained over and over again that I wanted to work with them but I 'm in a financially bad situation. Over and over again he made me feel scared about what they could do to me. I told him that I did n't want to speak to him any further and that I wanted to speak either to XXXX XXXX or the lawyer on my case, XXXX XXXX. He then said, " do n't you hang up on me ''. My husband and mom who were listening to the whole entire conversation were shocked and my husband kept saying hang up, but I did n't, even when I was physically shaking and crying. This was by far one of the scariest and traumatizing collection calls I 've ever had. XXXX XXXX has been rude to me in the past, but never like this. Thank you for your time.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Demand for Deletion of Inaccurate Late Payment Reporting Violation of CARES Act and Consumer Protection Laws To Consumer Relations I am writing to dispute inaccurate information on my XXXX credit report related to the account listed below : Creditor Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Status : Paid, Closed Upon reviewing my report, I noticed that this account reflects two late payments reported in XX/XX/XXXX ( 30 days late ) and XX/XX/XXXX ( 60 days late ). This information is inaccurate and violates the CARES Act and my rights under the Fair Credit Reporting Act ( FCRA ). 

CARES Act Violation Under the CARES Act ( Section 4021 ), lenders were required to provide accommodations for consumers impacted by COVID-19. During this period, if a consumer was current on their payments prior to seeking an accommodation, the account should continue to be reported as current. Since this account was in good standing before these reported late payments, XXXX is legally required to remove these inaccurate marks. 

FCRA Violation Pursuant to 15 U.S.C. 1681e ( b ), XXXX is required to maintain maximum possible accuracy in consumer reporting. By continuing to report these late payments despite my efforts to dispute them, XXXX is in violation of this requirement. 



Please investigate this matter promptly and provide written confirmation once the inaccurate information has been removed. 

Sincerely, XXXX XXXX
Product: Debt collection

XX/XX/2023 Debt Discharge, All Accounts Closed by : NAVY FEDERL CREDIT UNION.

PLEASE NOTIFY : NAVY FEDERAL CREDIT UNION, to CEASE FROM ACTION INVOLVING ANY AND ALL ATTEMPTS TO COLLECT DISCHARGED DEBTS AND ON CLOSED ACCOUNTS!

___________________________________________________________ NOTICE : ACCEPT DISPUTE RESOLUTIONS OF DISCHARGE, CEASE ALL COURT ACTION, VALIDATE ON ACTUAL MONEY LENT, VALIDATE THAT : NAVY FEDERAL CREDIT UNION HAS FOLLOWED " GENERALLY ACCEPTED AUDITING PRINCIPLES STANDARDS '' ( GAAS ), with " GENERALLY ACCEPTED ACCOUNTING PRINCIPLES '' ( GAAP ).
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. Please delete the account below : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Its been over 30 days and the creditors have not provided updated information nor has provided proof of documentation of listed debts. They have not supplied any validations, written or signed consent from myself, XXXX XXXX, description of proof of investigations, or proof of accuracies. Under federal law, they had 30 days to complete the investigations. By failing to do so, the items MUST be deleted from my credit report AS SOON AS POSSIBLE. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

Chase closed my credit card. ***Why did I, the perfect consumer, get punished by this company by having my card and credit closed and my credit line removed when the problem was caused by a criminal act by a criminal hacker? *** I had/still have a serious complete hack on all devices, laptop stolen. Serious Hacker, literally hanging up my phone calls. Hacker hacking infrastructure. Multiple police reports to report this. FTC Report # XXXX on XX/XX/year>. XXXX Oregon Police Report Made. I have video proof that I was being hacked when I called into Chase ( still am ). I called Chase and asked for autopayment to be turned back on in XXXX and also advised them of the FTC Report made. I believe that it may have been an imposter impersonating a Chase representative because it was not turned back on. 
Tried multiple times to call in to make payments XXXX, XXXX, XXXX when I learned that autopay was turned off ( possibly by hacker. ) I actually able to submit payment in XXXX, and they accepted the payment and still chose to close down account at same time. I was able to get through to pay online in XXXX. Payment was made, and company still chose to close account. All my balances came due and were payed automatically. 
I have had PERFECT CREDIT and perfect payment history on all accounts ( no late payments ) until this credit card issue for 30 years ( XXXX credit score. ) This has caused my credit score to plummet to Poor ( 500 range ) as only negative activity. I have pulled my credit reports and this is the only spot on my record.
Product: Checking or savings account

At approximately XXXX on XX/XX/2023, I deposited two money orders. The atm read only one. On the app it only shows it read the {$740.00} money order. There is another money order of {$1000.00} that was not read, but I did put it inside the atm. I always do these transactions in the beginning of the month. I put these two check inside the atm at the same time. Also I pressed the button for a email receipt but never got one. So I am missing {$1000.00}. The atm is in XXXX XXXX XXXX XXXX, XXXX, CA XXXX. I submitted a claim but it got rejected. I called why it was rejected and they said they couldnt find it. I called earlier and submitted another claim to chase. I am going to attached a picture of the money order for when I deposited it to the atm. XXXX the picture you can clearly see the {$740.00} money order. On the top left, you can see that there is another money order behind it. The one behind it is the {$1000.00} money order.
Product: Money transfer, virtual currency, or money service

Wire Transferred {$4300.00} on XXXX XX/XX/2023. Within 5 hours informed XXXX XXXX ( my bank ) to cancel the transaction as I suspected they were scammers. However funds were already transferred, my bank was unable to get my funds bank as beneficiary bank refused to do it. I received their decision on XXXX XX/XX/2023.
Product: Checking or savings account

Recently on the news Bank of America was overcharging for fees and over drawn accounts. I have had a checking account with Bank of America for over 5 years and it was a big problem up until a year ago. I want to be able to be compensated for the money that was taken out of my account and used in their company. I want to file a class action lawsuit and get my money back that I earned by working.
Product: Credit reporting or other personal consumer reports

Despite my earlier correspondence, these inaccuracies have not been resolved, causing ongoing and significant distress. The presence of these incorrect late open accounts and the charge-off on my credit report is severely impacting my financial standing. It is crucial that immediate action is taken to rectify this situation and ensure the accuracy and integrity of my credit report. 

As mandated by the Fair Credit Reporting Act ( FCRA ), you are required to investigate and respond to disputes regarding the accuracy of information on credit reports. Your continued failure to resolve these issues is unacceptable and constitutes a violation of my rights under the FCRA. I request that you escalate this matter and undertake all necessary steps to thoroughly investigate and correct the late open accounts and remove the charge-off from my credit file without further delay. Transparent communication regarding the progress made and the actions being taken to resolve these issues is essential. With this, I am asking for your assistance to correct or remove the accounts : XXXX. XXXX XXXX XXXX  XXXX Balance : {$35000.00} - Please check the Payment History and Status information on this account and adjust accordingly. 

XXXX. XXXX XXXX XXXX XXXX : {$9400.00} - Please check the status of this account. It is entirely wrong, to begin with. I was never late on this account. 

XXXX. XXXX  XXXX XXXX XXXX Balance : {$440.00} - This company has illegally re-aged this account. Please investigate thoroughly and delete for lawful accuracy. 

XXXX. XXXX XXXX XXXX : {$460.00} - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately. 

XXXX. XXXX XXXX XXXX : {$3600.00} - The limit to this account was a fraction of the amount due as stated. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER. 

XXXX. XXXX XXXX & XXXX XXXX Balance : {$430.00} - I believe this account is reporting inaccurately. I do not recall ever having a legal obligation with this company nor believe one exists. Please provide me with verifiable proof this account belongs to me. I request a signed contract which is the ONLY LEGAL authority that stipulates an agreement. Please remove it.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or removed. Per FCRA segment XXXX, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violate my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. Account Name XXXX XXXX XXXX XXXX account number XXXX with balance of {$680.00}, Account Name XXXX XXXX account number XXXX with balance of {$0.00}, Account Name XXXXXXXX XXXX  XXXX account number XXXX with balance of {$0.00}, Account Name XXXX XXXX Bk account numberXXXX Account Name XXXX with balance or {$96.00} Account Name XXXXXXXX XXXX XXXX with balance of {$160.00} Account Name XXXX with balance of {$60.00} Account Name XXXX with balance of {$600.00} Account Name XXXX with balance of {$290.00}. has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX. States I have the right to privacy. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 conviction of crimes which antedates the report by more than seven years.XXXX XXXX XXXX XXXX ( A ) (! ) 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: Payday loan, title loan, or personal loan

On XX/XX/2007 my ex-husband and I took out a small second mortgage on our home. The loan amount was somewhere around {$8000.00} with payments at {$110.00} per month. This was done with XXXX XXXX in XXXX, MI. During our divorce, my husband became responsible for the payments and this loan is currently reflecting as past due on my credit report, showing that {$4500.00} is still owed on the account. Based upon my calculations, 10 years and 6 months later we have paid out almost {$15000.00} for the loan. I feel we over paid dramatically and to still have an amount owing is ridiculous. I can not find the original loan paperwork, I have called XXXX XXXX to try to obtain the old loan information to no avail. I want this amount discharged completely and removed from my credit report.
Product: Debt collection

This company has continued to call ke after I told them not to. They are calling looking for my husband XXXX XXXX XXXX.i gave him messeage first time and told them not to call me and remove my number. They have called me twice now XX/XX/29 and XXXX. 

On XX/XX/29 I again told them they were not to call the women stated she was a lawyer and that I diddnt have to answer phone. I said I knew who they were and we are in a spousal restriction state so you can not speak to me and you can not reach him on my cell phone. She became rude and told me she could call I told her remove my number and not call. 

On XXXX she called again and said she was going speak to me and she would continue to call till XXXX called her I finally hung up. She was absolutely rude and I feel threatened that I can not stop calls unless I force my husband to call her which I cant make him do. The truck he was driving was in his name the insurance was in his name i have nothing to do with any of this and yet I'm one being harassed.
Product: Checking or savings account

XXXX promised me a refund I filed dispute after going through many rebuttals I finally got temporary credit. Now chime is stating no error has occurred and that my account will go negative. Which is not true or fair I barely got my temporary credit after so many rebuttals. And I know for a fact a errror has occurred which is why I attached screenshots below. So please dont negative my account!
Product: Credit reporting or other personal consumer reports

I got a loan for a new vehicle over {$100000.00}. Its always been set on auto pay for the entirety of the loan. I got a certified letter stating I owed {$47.00}, after I got home from being on vacation. I called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) on XXXX, I spoke with XXXX XXXX and tried to pay the {$47.00}, SHE WOULD NOT TAKE A PAYMENT because she said there was no balance. I have worked very hard over the years to keep a good credit score, so I was worried, and questioned her. She stated again that there was no balance and I could not pay, that the letter must have been in error. In fact it was my last payment and XXXX owed me a refund. I specifically told her Im very particular about my credit report she said I had nothing to worry about. On XXXX, I got an alert that I had a derogatory mark on my credit report. I immediately called XXXX and spoke with XXXX at XXXXXXXX XXXX XXXX XXXX ) where he assured me that it was an error and I was not late and had a refund. He said he would open an investigation and it would be taken care of. This was never taken care of.
Product: Checking or savings account

Unable to make a XXXX  or a transfer outside the country, also they have close my account without any reason in XXXX  XXXX
Product: Payday loan, title loan, personal loan, or advance loan

Did a consolidate loan with truist bank on XX/XX/2023 located @ XXXX XXXX XXXX XXXX XXXX florida XXXX. Up on signing off on the loan I discover that one of my credit card was close without my knowledge and did not request at any time for it to be close by the bank. What truist did was misleading information to me while I was signing off on this consolidated loan and change up the interest rate on me. 

I try to speak to miss XXXX XXXX who did the loan application nothing good happen then she turned me over to the branch manager who knows nothing. 

Thank you XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed for bankruptcy in XX/XX/XXXX. I was not late on any payments. The bankruptcy was discharge XX/XX/XXXX. In XX/XX/XXXX 15 banks listed my credit as being 90 days late. All banks have corrected or attempted to correct their error. As of today 8 credit cards have removed their negative remarks from my credit but XXXX is still reporting me as being late on payments. XXXX XXXX has informed me that they have removed all negative reporting and the the error lies with XXXX  trans union and XXXX.