23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am a senior citizen and due to a financial hardship have been trying to obtain a loan modification on my mortgage. I started the process with SLS servicing an agent for XXXX XXXX mortgage on XXXX XXXX. I submitted all required documentation. I have made at least ten calls and was told it was submitted to the underwriters. Today XXXX XXXX I was told that I need to resubmit a XXXX page application all over again when it was already submitted on Novemmber XXXX. It seems they are delaying the process for some reason. I am extremely frustrated. I can not get any satisfactory response on the status of my request.
Product: Debt collection

I received a notice from XXXX on a new collections account appearing on my XXXX credit report. 
1. I know nothing about this debt 2. I was never notified in writing prior to this debt collector being put on my credit report 3.I never had an account with the original creditor
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX - BALANCE {$38000.00} Account Name : XXXX XXXX XXXX XXXX XXXX - BALANCE {$13000.00}
Product: Student loan

On XX/XX/2019, A representative from a company called XXXX called my downstairs neighbor whom I barely know, since I just moved here in XXXX of this year to ask if she knew me. Navient has ALL of my correct contact information and I believe they are using this company as a way to try and embarrass and harass me into setting up a payment. This is intimidation and harassment. They know where I live and have all of my phone numbers. You're hiding behind XXXX as a way to harass and intimate people. To make matters worst my neighbor is XXXX years old, on an XXXX XXXX 24/7 and XXXX XXXX XXXX up steps, but because she was concerned that it might have been something important she walked up to the 2nd floor to tell me about a call she received from me. This is ridiculous and has to stop.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Credit card or prepaid card

I had three unauthorized charges to my PayPal credit account. I only received emails from the company about XXXX, which I disputed immediately for XXXX on XX/XX/XXXX XXXX XXXX and XXXX on XX/XX/XXXX iao XXXX. When attempting to contact the company about the status of the dispute I saw a third charge that was done previously for XXXX on XX/XX/XXXX iao XXXX. I disputed that one as well. The company denied my claim of unauthorized and I have not received any supporting documentation for their claim that it was unauthorized. I have not performed any transactions with XXXX or XXXX. The only thing PayPal has done to resolve my issue is to ask me to change my password three times. Furthermore the compromise was a little over a month after I signed up for the credit card. Which is sketchy at best.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been working on this issue for months and sent a letter in before about this. I sent multiple requests and transunion keeps responding for me to verify my identity. Its me and I send in all the documents requested. I even reached out to the creditor and I haven't heard anything back in months. Please remove the following accounts immediately : XXXX XXXX XXXX XXXX
Product: Debt collection

I lived on-site at XXXX apartments where I worked as a leasing agent for the apartment community and was fired for reasons due to my job performance. XXXX was the Management company. They requested that I vacate my home within 7 days following the end of my employment in XX/XX/2016. 
They initially charged me for the remainder of my lease term, which isnt legal. I contacted the regional manager, assistant manager and property manager via email explaining to them that I vacated the home and they could no longer charge me for rent especially if the home was leased. 
I was asked to move and vacate the home after being fired but they still charged me for rent. 
The collection company handling the account is IQ Data International. Ive called them and wrote them letters several times requesting any and all paperwork that they have on file to prove that this debt is valid and the only thing theyve sent me is a ledger with incorrect amounts from the Management team I previously worked for. 
The property management company had my address, email and phone number on file due to me being a past employee. But they failed to send me a move out statement showing the balance owed to my address on file, they immediately forwarded my file over to collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to formally report and request the removal of fraudulent items from my credit report, which are inaccurately reflecting my credit history due to identity theft. I have thoroughly reviewed my credit report from your agency and have identified instances of fraudulent reporting that I believe require immediate attention and rectification. I have outlined the details of the fraudulent items along with an explanation of the situation : I did not open or authorize the items listed above. It has come to my attention that I have been a victim of identity theft, and the reported fraudulent items are a result of this criminal activity. I have taken immediate steps to address this situation, including filing a police report and notifying the relevant authorities.I request your urgent assistance in investigating and rectifying this fraudulent activity on my credit report, in accordance with the Fair Credit Reporting Act. I kindly request the removal of the fraudulent items associated with the mentioned items, as it is negatively affecting my credit history and financial well-being. I am aware of the legal requirement for credit bureaus to investigate and respond to disputes within 30 days. Given the seriousness of this matter, I am seeking your prompt attention and resolution. Please provide me with a written confirmation of the removal once the investigation is complete. Furthermore, I request an updated copy of my credit report reflecting the accurate and corrected information, once the fraudulent items has been removed. These are the following fraudulent items that I want to disposed of : XXXX XXXX, TX XXXX ; XXXX  XXXX XXXX Balance : {$530.00} ; XXXX  XXXX Balance : {$20000.00} ; XXXX XXXX XXXX XXXX XXXX Balance XXXX {$200.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX ; XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX ; XXXX XXXX Balance : {$20000.00} ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX ; XXXX  XXXX XXXX Balance XXXX {$530.00} ; XXXX  XXXX Balance : {$20000.00} ; XXXX  XXXX Balance : {$0.00}.
Product: Mortgage

I have called Quicken loans for refinance quote. I told them I have a 15 year refinance at 2.25 % and paying {$6000.00} closing cost and asked them if they can match it. Loan officer XXXX XXXX promised me that that yes he can do better and asked for my ssn number to run my credit. I asked him before he run my credit can he verify that he will match or beat the rate and he said he confirmed with his manager based on what i told him they will match or give me a better rate so i gave him my SSN number and he put a inquiry into my credit report. He called me 30 minutes later with same rate but closing costs were {$15000.00}. He said that's the best he could do. So i asked him why he told me that he will give me a better deal before he run my credit he said there is nothing he can do about it and hangup the phone. 

I was deceived was this company promising me to offer better rate from what I currently have and they advertise match rate policy with is false advertisement.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth :XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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 you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$11000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I am filing this complaint to address unauthorized hard inquiries that appear on my credit report managed by Equifax. These inquiries were made without my explicit consent, violating my rights under the Fair Credit Reporting Act ( FCRA ), the XXXX XXXX XXXX XXXX XXXX, and other applicable laws. 

Despite contacting Equifax and disputing these inquiries in writing, I have not received appropriate action or resolution. These inquiries have caused harm to my credit score, which has impacted my financial opportunities. 

Details of the Unauthorized Hard Inquiries XXXX XXXX Inquiry on XX/XX/XXXX XXXX Inquiry on XX/XX/XXXX XXXX Inquiry on XX/XX/XXXX Violations Identified : Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681b : These inquiries were conducted without my explicit authorization, which violates the FCRA.

Equifax is required to investigate and correct inaccurate or unverifiable information under FCRA 611 ( a ) but has not taken adequate action.

XXXX XXXX XXXX XXXX  ) 15 U.S.C. 6801-6809 : The GLBA requires that entities accessing my financial data must obtain my clear consent. These inquiries infringe upon my financial privacy rights. 
XXXX XXXX XXXX XXXX ( XXXX ) 12 U.S.C. 5531 : Equifax is obligated to prevent and address deceptive, unfair, or abusive practices. The presence of unauthorized inquiries is a breach of this obligation.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  XXXX Account XXXX Account Name : XXXX/XXXX  Account Number : XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Receivables Management Corporation The third party collection agency has attempted to collect a medical debt, and has sent me an itemized statement with all medical procedures done. This collection agency has violated Hippa, I did not authorize Receivables Management Corporation to have access to my medical records which is in violation and my privacy rights. 
List Date : XX/XX/20 Amount : {$240.00}
Product: Credit card or prepaid card

On XX/XX/2019 My paypal business debit mastercard was used to purchase a XXXX plane ticket costing {$360.00} Transaction id XXXX. I disputed the charge with paypal and at their recommendation I filed a complaint with IC3.gov. I  called delta airlines and filed a fraud dispute with them. I provided all documentation of these complaints, to paypal. I have made numerous contacts to paypal to get this resolved ; however, they have closed the dispute, rejecting the case. I have filed an appeal and provided all requested information.
Product: Bank account or service

My name is XXXX XXXX and I am submitting this complaint against Bank of America for certain unauthorized transactions or withdrawals from my accounts at different ATM locations in XXXX, Illinois. The transactions appear to have been structured in a manner which would allow the person taking the money to take the most amount before the fraud was discovered. Within less than XXXX business days after I learned of these unauthorized transactions, my father and I notified Bank of America and requested that the charges be reversed. Bank of America responded by sending two form letters with different claim numbers and dated XX/XX/2016, from the Dispute Resolution Services Department which indicate that it conducted a review and determined that no error has occurred as it believes that the transactions were authorized. In fact, the transactions were unauthorized and I am a victim of fraud and criminal activity. The unsigned form letters do not indicate what, if any, investigation was conducted by Bank of America into the unauthorized transactions, who conducted the investigation, and whether the video of the transactions, if any, was reviewed to determine the identity of the person ( s ) who actually made the withdraws which appear to have been structured in a manner, via use of separate ATMs on separate days, to maximize the conversion and theft of funds being held in my account. The form letters also do not address any of the information ( or documents ) which were provided to Bank of America, including the fact that I could not have possibly made or authorized the fraudulent transactions at issue as the transactions appear to have occurred after I returned to my parent 's home, some XXXX plus miles north of XXXX, Illinois. Although Bank of America represented that it has a {$0.00} liability fraud policy for its customers, it indicated that it was going to charge me for the fraudulent transactions and did so. After I received the initial form letters, I again requested, in writing, that respectfully request that Bank of America review and reverse the unauthorized transactions, including, reviewing the ATM videos of these unauthorized and fraudulent transactions, as well as the documents and information reviewed which was provided by my parents and I. That written request was sent on XX/XX/2016, and delivered to Bank of America on XX/XX/2016. Bank of America never responded to that request, other than recently posting an electronic notice on my accounts indicating that the charges would not be reversed. This is just a summary of what has occurred. I can provide any additional information and documents which may be necessary to assist with what actually transpired with hopes of amicably resolving the matter. In that regard, thank you in advance for your immediate attention and consideration in rectifying this situation. 
XXXX XXXX XXXXXXXXXXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I sold a saddle for {$840.00} to a lady XXXX XXXX in Nevada. She wanted to send the money through Venmo. She did it but checked business instead of a friend 's and family transaction. They froze the XXXX and sent an email saying that XXXX, a person I don't know, had to pay XXXX more to them to convert my account to a business account, then I had to prove I sent a refund to her. We did all that. I sent them the screen shot. They said no problem but never released the money. They now havev {$840.00} and XXXX {$400.00} payments. They then say they want {$500.00} more and now they want XXXX more. My checking account is over drawn. They have XXXX of my money and I never owed them a XXXX to start with. My car payment is short. I am a XXXX widow veteran and they are holding my money and life XXXX. I can't take out a loan and it's not like they are going to release my funds.i will try to attach all the emails.
Product: Checking or savings account

I believe company Chime Financial XXXX XXXX XXXX XXXX XXXX is sending out unsolicited debit cards. 

Received a card on Monday XX/XX/XXXX. I immediately thought I had my identity stolen. After some online investigation it appears that this is really common for Chime. 

I should also point out that all of my credit reporting services have been locked. So if this was a valid request a credit pull would have failed and the account denied. 

It appears the only way to close this random account is to go through an email only process. This furthers my suspicion.
Product: Credit reporting or other personal consumer reports

I am writing once more to express my bewilderment at your credit bureau 's handling of the investigation into the accounts, as I continue to dispute the presence of fraudulent accounts on my credit report. As you are aware, I have submitted the required FTC report regarding this fraudulent account. Following my submission, both XXXX and XXXX removed this account from their records.I have also directly contacted the company associated with this account, and they have confirmed the removal of the account. Therefore, I am puzzled as to why this account is still being reported by your bureau. It is imperative to recognize that as a credit bureau, you are legally bound to ensure the accuracy and timeliness of your records. Failing to remove this fraudulent account not only violates this obligation but also exposes me to further harm. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX
Product: Money transfer, virtual currency, or money service

I attached screenshots of my transaction with XOOM. 

I send money to my parents in the XXXX 2-3x a month. They need this money for their livelihood like food, bills, medication, etc. its their money from their retirement. They need it. 

My mom said she tried multiple different money remittance agencies and all told her that the transaction is Unauthorized. WWHAT?!! 

I used my XXXX XXXX credit card to send their money, but now they cant even get it. 

We live in very rough times ... Why is xoom doing this?! 

Please help
Product: Money transfer, virtual currency, or money service

I recently joint XXXX for our local school and I received email from unknown sender XXXX ( I was accessing my XXXX gmail through my phone and I couldn't see the actual email address ), named as our XXXX president, demanding payment to a vendor, which I would be reimbursed later. I transferred {$1300.00} on XX/XX/XXXX and another {$2000.00} on XX/XX/XXXX through XXXX pay, before I realized it was a phishing email and the whole thing was a scam. 
I called Chase today XX/XX/XXXX @ XXXX. Chase 's answer is that they can't recover my money that has been transferred. The only thing they could do was to put a alert on this fraudulent XXXX account and hopefully prevent others being scammed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Per the FCRA the credit bureaus are to ensure that only accurate information is reported on my report. The following accounts have been listed on my report without my written consent and per section 15 USC 1681, I do not allow for these accounts to be published on my report. These accounts have also never been verified as accounts that even belong to me, due to these facts the following accounts are inaccurate and need to be removed from all my reports immediately. The accounts to removed are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN