23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Our mortgage is with Movement Mortgage, serviced by XXXX. 
We have had issues navigating the loss draft process with XXXX separate disasters. 
The process is not well spelled out, and we feel we have been discriminated against because we have been behind. The process is overly long and arduous, and you have to jump through unreasonable hoops ( sometimes the same ones repeatedly ) in order to get funds to move forward with repairs. There is no specific single point of contact, no one person you can talk to to resolve issues, and the length of time for them to respond is too extraordinarily long. 
They do not explain the process to you initially, specifically related to payments being mailed back to you. This process is extraordinarily stressful magnifying the stress a person is already under when their home is damaged. They hang on to your money, so they can make money. In one instance they've had our funds for over a month, and have not released any money even though we've gone through XXXX inspections since they've had the money.
Product: Debt collection

I have fallen behind on some of my debts. However, there is no reason that Commenity Bank ( phone number XXXX ), should be calling me 5-6 times per day everyday. I am aware of the FDCPA laws that collection agencies must follow. Just today ( XX/XX/22 ), I have received 3 calls before XXXX. The calls came in at XXXX, XXXX, and XXXX. These are clear violations of FDCPA and is HARRASMENT. I have attached below a screen shot of the calls on XX/XX/22 that came in at XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

I am requesting for the original copy of the agreement & terms and conditions. Failure to comply will forfeit your claims and will require you to delete all of the listed items. You are required to do what Im asking & block these transactions from being reported to my consumer report WITHIN 4 days from the date of the receipt of this notice. I LOOK FORWARD TO YOUR RESPONSE. 

ONLINE INFORMATION SERVICE XXXX Opened XXXX XXXX {$200.00} XXXX XXXX XXXX XXXX Opened XXXX XXXX {$730.00} XXXX XXXXXXXX XXXX XXXXXXXX Opened XXXX XXXX {$600.00} XXXX XXXX XXXX Opened XX/XX/year> {$410.00} XXXX  XXXX XXXX Opened XXXX XXXX {$66.00}
Product: Checking or savings account

My account is restricted and I dont know why and i was told to wait for a reference number and I did and when I gave them the reference I received they said it was the wrong one so I asked for my money to be withdrawn from my account and they keep telling me no I cant get my own money that I need to pay my bills and survive. Everytime I talk to someone they eventually hang up like its scam or something.
Product: Money transfer, virtual currency, or money service

Someone hacked my cashapp changed all my info so I can't even gain access to it
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXX of Debt bondage and would like for all listed accounts to be blocked and deleted from my credit : XXXX XXXX remove inquiry XXXX  XXXX remove inquiry Corelogic XXXX remove inquiry Corelogic XXXX XXXX remove inquiry XXXX XXXX XXXX remove XXXX XXXX XXXXXXXX remove Inquiry
Product: Credit reporting, credit repair services, or other personal consumer reports

I like it, but I edited it a bit more : Equifax mishandled my personal information including name, social security number, address, birthdate, driver 's license number, and possibly more. They allowed a data breach to occur in XX/XX/XXXX, and they confirmed I could be affected on their website, www.equifaxsecurity2017.com. They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties they are responsible for up for " trial periods '' of their ID protection services. The negligent loss of personal information of nearly 200 million consumers is unconscionably unethical, and it is further unreasonable that they are not directly notifying every single person affected by this incident.
Product: Debt collection

I entered into a lease agreement with XXXXXXXX XXXX XXXX which was prematurely terminated due to a violation of the Right to Quiet Enjoyment. Despite multiple attempts to resolve the issue amicably with the property management, the situation necessitated vacating the premises for safety and well-being. 

On XX/XX/XXXX, I submitted a Notice to Vacate, which was acknowledged by the leasing department on XX/XX/XXXX. Following another incident, we reaffirmed our decision to vacate on the same day. On XX/XX/XXXX, the leasing agent confirmed the receipt of apartment keys and acknowledged our departure from the unit. 

On XX/XX/XXXX, I received a move-out cost breakdown that did not accurately reflect the security deposit amount, which was significantly higher than reported. After receiving this, I made several attempts to contact XXXX XXXX for clarification. Calls were made on XX/XX/XXXX, and XXXX, with follow-up emails sent on XX/XX/XXXX and XXXX, XXXX. The leasing agent acknowledged an error with the security deposit amount during a call on XX/XX/XXXX, but no further clarification was provided. 

The next correspondence was a bill from XXXX XXXX XXXX on XX/XX/XXXX, which included charges that were inconsistent with the initial move-out breakdown. I disputed this collection and requested debt validation on XX/XX/XXXX. The response from IQ Data on XX/XX/XXXX, was unsatisfactory, providing an XXXX spreadsheet without proper validation of the alleged debt. 

Despite these efforts, the debt was reported to credit bureaus, affecting my credit score. I have made numerous attempts to resolve this issue directly with the property management and the collection agency, including 14 calls to IQ Data on XX/XX/XXXX, which were met with repeated hang-ups and a lack of cooperation. 

The collection agency has not provided adequate debt validation, has reported the debt without proper notice, and has failed to investigate the dispute thoroughly. This has resulted in an unfair credit report entry and continued attempts to collect a debt that is not accurately validated. 

I seek the removal of this collection from my credit report and cessation of collection attempts until a thorough and fair investigation is conducted, with proper validation of the alleged debt provided.
Product: Mortgage

I went into delinquency XX/XX/XXXX due to difficulties paying the mortgage because I had to pay a high copay for a lifesaving medication for these months, because the medication is my XXXX medication XXXX needed to treat my XXXX. I explained this to SPS in my reason for delinquency and that my additional income from our business is no longer available due to Covid-19 impact to our business. I am asking if they can review and assist with the XXXX in outstanding payments, by adding this to the end of the mortgage or to the non-interest UPB or deferment other assistance. 
However, they denied and sent me a letter with the reasons stated : we are unable to offer you Modification, Deferral, or any workout because some are not available and unable to create an affordable payment within the programs ' guidelines. 
Now that the value of my property has finally increased, they are quicker to provide liquidation options, putting me out of my home I lived in since XXXX. 
My husband and I are both employed and would like to live in our home and continue to pay our mortgage. 
Please ask them to reconsider the decision and provide a workout option to help us stay in our home. 
Thank you.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX 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. 

XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$13000.00} XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$120.00} XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$460.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$590.00} XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$690.00} XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX -- {$480.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$920.00} XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$1000.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Vehicle loan or lease

Desput the Credit Make on my report For the XXXX XXXX XXXX acc : XXXX. LEASE To Whom it may concern : On XX/XX/XXXX I called Toyota Finance to pay my account up to date. I spoke to a representative. I paid {$250.00} with this said representative which would have brought my account current. I NEVER pay my account though a representative I always pay online but do to the pandemic at the moment and trying to come up with funds from work being scarce I figured it would be easier to speak to someone to ecolate my payment so I would not have a bad on my report. 

I specifically asked said representative if my account was in good standing and if it would be reported to the credit bureau. She Said and I quote " No you're just under the wire '' ok good we hung up the phone not further action taken on this day. 

Later that day on XX/XX/XXXX a got an alert that my husband and I have a negative mark on our Credit report from Toyota stating 30 days late. I called right away to dispute it. I spoke to several representatives. They escalated my call to supervisors. One supervisor told me yes I see you called I have all the notes right here on the computer. I will lpull the call and listen to it because all calls are recorded. I will get back to you. Well don't you know this call in convently not recorded. They know I called they have the notes and my payment but they have no conversation between me and the representative. 

I feel I have been lied to and misresprented by there representative who they will now not give me her name to include in my report. 

Toyotal is refused to take the negative mark of the reports and told me even if the representative gave me that information it was fales and they CAN NOT take it off. Why would there representative lie to me? This is not fair to the hard working people who are trying so hard to keep up with there payments and bills ontime while the world has shut dowm making this acrion extreamly impossable. 

Please can someone help with this despite. Before this world went into a panic I have been working really hard to keep up my credit so I can buy a house on day for my XXXX kids. 


Thank you for your time XXXX XXXX
Product: Credit card or prepaid card

Back in XXXX I had a dispute with Bank of America regarding unemployment benefits and the was told that the dispute was denied. However, upon opening a new unemployment claim in XXXX I have discovered that the claim was later approved and funds were allocated to a dummy account without my knowledge or consent. A debit card was sent to XXXX XXXX XXXX XXXX even though that is not my address and they continue to send statements and dispute letter and debit cards to that address despite numerous escalations from my sponsor to update the address, email and number on file and constant request from me to do so as well. I even filed complaints with the OCC to no avail. They provided me with false statements that showed refunded or pending transactions as if they were final and still refuse to give me access to my actual account generated by my sponsor. They have since denied my dispute that I filed on XX/XX/XXXX after constantly pleading for assistance. It was horrendous. They blocked access until I literally coordinated with the guy at the address to let him know that I am now aware and that if I didn't receive the debit card being sent the police would be involved. Finally, I was able to activate a card and gain access to see that they just opened this account in XXXX XXXX after my new EDD claim was approved and started putting funds from the old dispute from XXXX into it but was missing a lot so I did the best I could to research and disputed the additional transactions from XXXX.
Product: Money transfer, virtual currency, or money service

XX/XX/2022 {$240.00}, I've reach out to cash app and filed a dispute however they do not have a customer service number, so I had to send a messages through a chat to contact them. But, no one responded and I wasn't able to get a refund.
Product: Credit reporting or other personal consumer reports

XX/XX/year> I sent a letter to the courthouse asking do they report bankrupsties to the credit bureaus I got a letter back stating " They do not report any bankruptcy to anybody so if thats the case. How did the credit bureaus edit my bankruptcy as XXXX percent accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 states the term " investigate consumer report " means a consumer report or portion therefore in which information on a consumers character general reputation, personal characteristics, or mode of living is obtained through personal interview with neighbors, friends or associates of the consumer reported reported or other with whom is acquainted or may have knowledge concerning any such items and of information However such information reporting agency when such information was obtained directly from a creditor of the consumer They also violated my rights plenty of times The credit bureaus violated my rights under 15 USE 1681 According to this I have the right to privacy
Product: Credit card

As of XXXX XXXX I was declined on XXXX seprate occassions for a credit card through Citibank. 
-My account was closed through XXXX XXXX on another occassion. 
XXXX closed my account without my knowledge, due to something other than having no late payments and recently a credit increase. couldn't contact anyone to find out why it was closed. At the time my XXXX XXXX was XXXX. 
XXXX received a letter explaining my decline from Citibank XXXX due to nothing about my XXXX XXXX or rating, from XXXX XXXX after applying for credit stating my that they did a background check and sounds like they were not satisfied with it. Why would they need to do a background check for credit, with a XXXX XXXX of XXXX also at that time. 
-I reqeusted information from Citibank XXXX ( XX/XX/year> ) about why they wouldn't give me the credit and they wouldn't tell me anything but wait for the letter to come in the mail. 

I believe that they are XXXX  against me due to my background.
Product: Checking or savings account

And unauthorized withdrawal was made on 2 accounts on XXXX CHASE XXXX funds were not returned and XXXX funds were returned.I have my ATM cards for both accounts. For the account XXXX a withdrawal was made on XX/XX/11 for {$350.00} because who ever was helping me the person 's decision was overridden. No one from Chase has called to tell me who took the withdrawal plus I filed a police report which was faxed. I am a retired person and I need my money. A total of {$2200.00}, was taken from me. I also, had an appointment at XXXX when the withdrawals were mede for proof. I do not understand how a withdrawal can be made and the teller does not ask for identification. According to Chase I gave my PIN out which I did not.
Product: Debt collection

On XX/XX/2015, Consumer Financial Services added a derogatory mark on my credit report Per XXXX. Upon Further research, this account was sold to my knowledge and I am no longer responsible for this account. Debtor creditor did not verify this collection. Also there was no written form of communication, contract or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA, Consumer Financial Services has violated my rights as a consumer and im requesting legal action to remove this account immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed that Equifax is reporting my Experience with XXXX  XXXX, XXXX XXXX, XXXX XXXX  and me. The balance I have with XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX  and me is characterized as utilization on my consumer report Equifax is in clear violation of the law : Pursuant 15 U.S. Code 1681a 2 ( A ) ( 1 ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include- ( A ) subject to section 1681s3 of this title, any ( I ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Transactions or Experiences between consumer XXXX XXXX and XXXX person XXXX  XXXX, XXXX  XXXX  XXXX XXXX XXXX  that is Making the report is NOT INCLUDED ON MY Consumer Report Capital XXXX, XXXX  XXXX  XXXX XXXX XXXX XXXX  has attempted to remove the balance section. Equifax keep putting the balance section. back on my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX was closed but the issue wasn't resolved. 
TransUnion said they verified my identity, and they issued me a new password. 
I logged on with the correct password, but they still won't give me a credit report, or let me dispute anything, or place a consumer statement in my file, or update anything. 
Because of this error, I can't get approved for any accounts, because every time they go through TransUnion, they say they " can not verify '' my identity, and tell me to contact TransUnion and try again later. 
Disputing the issue by mail would take months, and meanwhile every company I try to do business with that checks TransUnion gets an error or fraud alert, and they decline me. 
The fact that I can request a copy of my report by mail doesn't help the fact that these companies don't use the mail to check my identity, they use computers, and TransUnion 's computers are telling them I'm not who I say I am!
Product: Credit reporting, credit repair services, or other personal consumer reports

I 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 to15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts.

Accounts.. 
XXXX XXXX XXXX XXXX XXXX XXXX ... DATE XX/XX/XXXX XXXX XXXX. DATE XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This company shared my account with a third-party collection company ( NCB ) before notifying me via mail of the account. They also have failed to validate this account being mine from me disputing this account since last year. They were reporting the debt as XXXX in XXXX and sold it to NCB and now NCB is reporting XXXX which means someone is lying about this account and no one has validated the account with proof of these amounts nor documentation that the account is even mine. I have also filed an FTC report and Police Report last year due to being a victim of identity theft but XXXX disregarded disputes and continues to verify this account with the bureaus. ( I have attached XXXX reporting of the XXXX from XXXX and NCB XXXX & FTC report filed last year. )
Product: Consumer Loan

GM Financial is a rip-off company. I got a deferment for my car loan through GM Financial and they forced me to pay XXXX and to give them my phone number when there is a cease communication on my account. I do not want GM FInancial calling me period, ever. They do not have permission to contact me of any references via telephone. They only can contact me in writing. They give me all these random stipulations in order for them to grant me a deferement. I spoke to XXXX who said he was the collections manager and he said that the only way that I could get the deferement is if I give him my license plate number. That has never been requested in order to process a deferment. I explained to GM Financial that I had came across hard times and loss a loved one and had to help come up with funeral expenses so I needed to defer my loan. They still forced me to pay XXXX in late fees and XXXX for a deferment fee. I feel that this is EXTREMELY unethical. I spoke to XXXX different reps today and they were so rude, incompetent and unprofessional. XXXX was going to process my payment over the phone but ALSO charge me XXXX extra dollars for a payment processing fee. This is not a good way to treat a valued customer. I would like to opt out of ALL advertising and any further communication from GM Financial. I do not want to be emailed only sent paper letters in writing regarding my account. They are a terrible company to do business with. I do not see how it is legal for them to MAKE UP rules and stipulations surrounding processing a deferment. I feel that it is ruthless ans dirty for them to make me pay fees that I really did not have behave as savages requesting private information from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$12000.00} XXXX XXXX  XXXX Balance : {$11000.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX {$6000.00} XXXX XXXX  XXXX Balance : {$1400.00} XXXX XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with CAPITAL ONE BANK USA NA and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called CAPITAL ONE BANK USA NA and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me late account posting error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX  and CAPITAL ONE BANK USA NA with no successful resolution. XXXX, XXXX  and XXXX  reporting me having late payments. There was an error on their part. I was never late.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below : XXXX XXXX, XXXX XXXX  XXXX and XXXX XXXX XXXX