23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

In XXXX of XXXX, I obtained a loan for a XXXX XXXX XXXX thru Wells Fargo. I, like many other people lost my job in XXXX XXXX, XXXX. I did what I could here and there never really getting an actual full time job about a full year later. I refinancedvthe car just 6 months later thinking it would benifit me in thelong run. I was a stupid kid and got completely taken in the finance office because I was on unemployment and desperate. I did everything I could to keep this car and paid it in good standing, until I couldnt do it anymore in XXXX XXXX. I called them and they told me a " A VOLUNTARY SURRENDER IN MUCH BETTER THAN A REPOSSESION ''. I told them where the car was and at that time I owed a little more than XXXX. They auctioned the car for XXXX. They told me it would come off the balance. Then one day tgey transferred tge debt to a different part of Wells Fargo and suddenly I owe XXXX. They have been REAGING MY DEBT for a very long time and have cost me ManyLoan and credit decisions. It has cost me Much Higher credit. Please help! I believe it is 100 % Bad Ethics collections and has been for a long time. Thank you very much for any helpor guidance in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the FAIR CREDIT REPORTING ACT XXXX  account US DEPARTMENT OF ED has violated my rights under 15 USC 1681 section 602A & 604A section 2 15 USC 1666B View attachments below
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX received payment in FULL for a balance of {$1500.00} for a charge-off XXXX years ago on XX/XX/2021. Via recorded call, I was informed that Changes would be updated on their end and submitted to all credit bureaus to show a XXXX  balance by end of XXXX. Were now nearing the end of XXXX and nothing has been updated.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity and credit file has been modified and completely compromised without my knowledge nor consent. I'm in direct belief that my identity may have either came vulnerable via the dark web and/ or within the data breach. I'm demanding that the following unauthorized accounts be removed and blocked from my credit file after it's determined that these accounts are not mines. 

1. XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX 3.  XXXX XXXX/ XXXX XXXX 4. XXXX 5. XXXX 6. XXXX XXXX XXXX XXXX. XXXX XXXX {$610.00} 8.  XXXX XXXX XXXX {$590.00} 9. XXXX XXXX {$70.00} 10 ) XXXX XXXX XXXX 11 ) XXXX XXXX XXXX {$790.00} 11 ) XXXX XXXX XXXX {$160.00} 12 ) XXXX XXXX XXXXXXXXt {$31000.00}
Product: Checking or savings account

Citibank is holding my money and can't let me talk to the department with the hold and can't give me a reason for the hold. This is a brand new account and I had my check direct deposited feom my company but have no access to my money. Can't pay bills with my card and I can't withdraw money at the ATM. I am completely at their disposal with no branch to go to. They can't give me any reason to me not being able to pay bills other than the merchant is sending incorrect information. This is XXXX different merchants. I have never had so many issues with a bank account.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX ( XXXX XXXX ) Account # XXXX, has violated my rights. 

XXXX {$2000.00} Date opened XX/XX/2019 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 an account without my written instructions
Product: Mortgage

I recieved a letter from a lawyer stating that I am in default for my mortgage with BBVA. this was dated XX/XX/2019 it states that I need to pay XXXX before XX/XX/2019. it also states that I need to call the bank and make sure that the numbers were correct before submitting payment. I have since made arrangements to have the necessary funds available and reached out last Friday XX/XX/XXXX to make sure I had the correct amounts. first I went to the branch ( XXXX, Alabama ) and sat with the manager for nearly an hour to try and maker sure I had the right amount. he was unable to get me the number. I then sat on hold for nearly an hour trying to get the information over the phone to no avail. after numerous calls I was told by a bank representative that the information would be emailed before the end of the business day. This Morning XXXX the XXXX I called the lawyers XXXX, XXXX XXXX XXXX, XXXX. and spoke with XXXX XXXX XXXX who assured me I would have the information before the end of the day. I called back at XXXX and left a message but have received no information. I sent a secure message through BBVA 's XXXX application today and received no response. I sent a message via BBva 's XXXX  XXXX  and received a response that they tried to call me and sent an email. neither of those things are true. I now have three days left to resolve this issue or they say they will foreclose on my house. they are with holding this information intentionally so they can take my house.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equafax credit bureau is reporting 2 collection charges on my credit report. Ive disputed the issue and they have said it is valid. I have asked for a signed agreement or contract that shows these debts are valid with the company reporting it and that these debts are tied to me. The collection agencies keep on sending old invoices and thats not an agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2022, we received a FRAUD ALERT FROM XXXX XXXX XXXX concerning IDENTITY THEFT involving XXXX  UPGRADE in the amount of {$5500.00}. 

We immediately telephoned XXXX  UPGRADE to dispute the FRAUD and notify them of the IDENTITY THEFT. During a long call with their representative, XXXX, we were told that the account had not been funded and he still had time to cancel it due to the IDENTITY THEFT and FRAUD. XXXX exact words were The good thing is it hasnt been used yet. ( It was ) set up on the XXXX ( of XXXX ). 

He also told us that XXXX  UPGRADE had sent a promotional mailer to our old address at XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX and that it had been completed, signed and mailed back with a forged signature. He also stated that my personal financial information was included in that application. 

My personal financial information could have only been provided to the new tenants by our former property manager, XXXX XXXX of XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX, FL XXXX, ( XXXX ) XXXX or ILLEGALLY obtained by XXXX XXXX XXXX ( the new occupant at our old address ) through XXXX XXXX XXXX XXXX where she is also employed. 

XXXX told us that he would send us a copy of the fraudulent application, yet after 5 months, he has still failed to do so. Instead of doing what he promised, he did send us an electronic version of the FRAUDULENT APPLICATION which stated that the purpose of the loan was home improvements. This would be impossible for us as we rent our home and DO NOT OWN ANY HOME. On the bottom of that electronic copy is the statement XXXX XXXX XXXX The customers date of birth or ID data did not match XXXX data yet they processed the fraudulent loan anyway. So much for due diligence on the part of this negligent company, XXXX  Upgrade. 

XXXX also asked us to file a police report with our local sheriff, file an FTC IDENTITY THEFT report and provide XXXX  Upgrade with copies of those along with a copy of my Florida Driver License which we did via U.S. Mail. 

While we had this discussion with XXXX at XXXX  Upgrade 5 months ago and we provided every bit of documentation requested, XXXX  Upgrade went ahead and funded that FRAUDULENT LOAN to the IDENTITY THIEVES anyway. 

This FRAUDULENT ACCOUNT and XXXX  Upgrades FRAUDULENT REPORTING of it to XXXX, XXXX and XXXX have cause my credit scores to drop with each bureau anywhere from 100 to 150 points each and these scores continue to plummet due solely to XXXX  Upgrades NEGLIGENCE.
Product: Credit card

I received the initial statement with fraudulent charges on my Home Depot credit card back in XXXX XXXX XXXX I called to request that the fraudulent charges be removed and the Home Depot credit card account closed in XXXXXXXX XXXX XXXX. All charges on the account were fraudulent. 

The attached document runs sequentially from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, a period of 6 months, with multiple account numbers referenced in my name for home depot card services. 
It references four different account numbers ( I only had one home depot card ) Over the period of the six months, they opened 5 different investigations to try to get this resolved.

Again, I only had one Home Depot Credit card, that I asked by closed and cancelled in XXXXXXXX XXXX XXXX 

There was correspondence between XXXX XXXX XXXX XXXX XXXX XXXX XXXX with multiple investigations Over the course of six months, this is still not resolved. 

I checked my XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX to see that my credit score has now dropped XXXX XXXX due to their inability to resolve this matter. 

This issue is still not resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been dealing With a divorce and Exwife had a XXXX XXXX XXXX XXXX She closed this box XX/XX/18 Due to sending credit cards to this box to this address. This was not nor has it been my address. 
I have disputed this address with experian for 2 yrs they will not remove it due to accounts attached to it which are credit card accounts from my exwife. 
I had validated this was not my address on more than one occasion Experian needs to know and understand under the FDRA and The FDCRA this is a violation unless it's verified in which they have failed todo. 
This was solely in my wife 's name not mine, Please investigate and remove at once at a physical address as which a po box is not a physical address even though it's not my address.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a live single human being typing this narrative! 

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

XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX  ACCOUNT # XXXX XXXX XXXX  ACCOUNT # XXXX XXXX XXXX XXXX ACOUNT # XXXX XXXX ACCOUNT # XXXX XXXX XXXX  ACCOUNT # XXXX XXXX XXXXXXXX ACCOUNT # XXXXXXXX XXXX XXXX XXXX  ACCOUNT # XXXX XXXX XXXX XXXX   ACCOUNT # XXXX XXXX XXXX XXXX XXXX  ACCOUNT XXXX XXXX XXXX XXXX XXXX  ACCOUNT XXXX XXXX Have violated my rights XXXX 

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 an 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 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 the information is inaccurate
Product: Debt collection

I have never sign contracted or have anything to do with this company. They are violating HIPPA law by disclosing medical reason for collection
Product: Credit reporting, credit repair services, or other personal consumer reports

During the months of XXXX to XX/XX/XXXX I was going through a very serious financial hardship where it was very difficult for me to make my payments. I was not working, I was XXXX  and trying to work with XXXX  on getting my payments figured out. They did nothing to help me and placed 4 late payments on my credit. I was so disappointed because I thought compaines would be more understanding when consumers are put in terrible financial situations. I now have a career job and a roof over my head so I am able to make all payments on time without any problems. I have been a XXXX customer since XXXX and I have never been late for a payment not until XX/XX/XXXX when I was struggling financially.
Product: Credit card or prepaid card

On XX/XX/XXXX I made a purchase for {$650.00} on Amazon.com using my Synchrony Bank store card. This purchase had a promotional rate of 24 months at 0 % APR, as shown in my XX/XX/XXXX statement. 

On XX/XX/XXXX I made a payment of {$1300.00} on my account. The above transaction was the only promotional balance on my account. I had the " standard allocation '' option on my account, which indicated that my payment would first be allocated to the minimum payment on my promotional balance ( {$27.00} ) and the remainder would be allocated to my non-promotional balance, which on XX/XX/XXXX was about {$2000.00}. I intended to have little to no remaining non-promotional balance on my account, due to its high APR.

However, unexpectedly, I noticed two days later on XX/XX/XXXX, that my payment had been allocated almost entirely to my promotional balance. I immediately contacted Synchrony Bank and was told via their representative XXXX XXXX that they would " Allocate the whole amount apart from minimum due to the non promotional balance ... 
It will take 1-2 billing cycle to reflect online. '' I saw no changes after checking my statement monthly since then and have contacted Synchrony Bank via their chat function multiple times to resolve this, and have always been advised that they are working on it, but have seen no action. On the last communication, on XX/XX/XXXX, I was told by their representative XXXX XXXX, Operations Manager that " It should be resolved in 7-10 days ... Totally sorry, That we missed on resolving this accurately. '' I informed XXXX XXXX that I would proceed to contact the CFPB if it was not resolved. 

Upon checking my statement on XX/XX/XXXX, the issue is still not resolved. This is unacceptable as I continue to see interest charges that should not exist, and was never able to take advantage of my promotional purchase. I have continued to make payments as I intended to, as if the promotional purchase was still valid on my account. 

I am attaching the relevant statements and chat logs.
Product: Credit reporting

I have a fraud alert on all XXXX of my credit reports. I have reported that numerous accounts are not mine. XXXX XXXX XXXX is my ex - husband & has all of my personal information from when we were married. When we separated he stole my driver 's license, Social Security Card, Birth Certificate & other personal documents that I had to replace. This is not the first time he or his wife now has used my information to obtain money, credit, goods, loans, services. He also shares my information with his current wife XXXX XXXX
Product: Credit reporting or other personal consumer reports

Hello I pulled my credit report on XXXX XXXX I have numerus number of unauthorized inquires on my report. 

I did not authorize these inquires below that are reporting on my XXXX credit report : XXXX. An unauthorized inquiry was made by XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. An unauthorized inquiry was made by XXXX XXXX on XXXX, XXXX XXXX. An unauthorized inquiry was made by XXXX XXXX on XXXX, XXXX XXXX. An unauthorized inquiry was made by XXXX XXXX XXXX on XXXX, XXXX XXXX. An unauthorized inquiry was made by XXXX XXXX XXXX XXXX on XXXX, XXXX XXXX. An unauthorized inquiry was made by XXXX XXXX XXXX  XXXX on XXXX, XXXX XXXX. An unauthorized inquiry was made by XXXX XXXX on XXXX, XXXX XXXX. An unauthorized inquiry was made by XXXX XXXX XXXX on XX/XX/XXXX Also I have numerus number of unauthorized inquires on my TransUnion report. 

I did not authorize these inquires below that are reporting on my TransUnion credit report : 1. An unauthorized inquiry was made by XXXX XXXX on XXXX, XXXX XXXX. An unauthorized inquiry was made by XXXX XXXX on XXXX, XXXX XXXX. An unauthorized inquiry was made by XXXX XXXX on XX/XX/XXXX XXXX. An unauthorized inquiry was made by XXXX XXXX on XXXX, XXXX XXXX. An unauthorized inquiry was made by XXXX on XXXX, XXXX XXXX. An unauthorized inquiry was made by XXXX on XXXX XXXX, XXXX XXXX. An unauthorized inquiry was made by XXXX XXXX XXXX on XXXX, XXXX XXXX. An unauthorized inquiry was made by XXXX XXXX on XXXX, XXXX XXXX. An unauthorized inquiry was made by XXXX on XXXX, XXXX XXXX. An unauthorized inquiry was made by XXXX XXXX XXXX on XX/XX/XXXX XXXX. An unauthorized inquiry was made by XXXX XXXX on XXXX, XXXX
Product: Debt collection

ASKING FOR CREDITOR REMOVAL OF XXXX XXXX  DATE OPENED 2/21 LIMIT XXXX STATUS 09 TUEF

PLEASE REMOVE IT FROM THE CREDIT REPORT. NO ITEMIZED BILL OR CONTRACT OR ANY SIGNATURE CONTRACT HAS BEEN PROVIDED IT HAS BEEN OVER 2 YEARS WAITING FOR A RESPONSE FROM THE CREDITOR. THE CURRENT INFORMATION LISTED BY YOUR XXXX  SITE OF THIS COMPANY IS OUT OF SERVICE (I.C. SYSTEMS, INC. XXXX XXXX XXXXXXXX XXXX XXXX MN XXXX) PHONE# (XXXX  NO LONGER IN SERVICE NUMBER NOR ADDRESS IS VALID. PLEASE REMOVE OR RESPOND WITHIN 30 DAYS. THANK YOU
Product: Mortgage

My principle income comes from social security and a modest pension. In XXXX of last year I decided to re-finance my existing mortgage. I have an XXXX credit rating and no other debt. Several companies were prepared to refinance my mortgage. Throughout the process the working number provided by New American was a monthly payment of {$1600.00}. I provided EVERY SINGLE DOCUMENT RQUESTED IN A TIMELY MANNER. 7 DAYS AFTER CLOSING I received a letter saying that New American was insisting on additional flood coverage that would INCREASE MY MONTHLY MORTGAGE BY {$200.00}!! 
This was never discussed for the two months prior to closing. My previous lenders did not request such coverage. Again, New American had two months in which to bring this subject up BEFORE CLOSING. That was the appropriate time to do so. Had they, I would have gone to another lender. 

Mortgage Timeline - XX/XX/2021 : first contact with XXXX XXXX - XX/XX/2021 : Phase 3 : Underwriting is looking into the background of all involved parties and reviewing your entire loan package based on income, assets, and documentation. 


- XX/XX/2021 : Emailed to XXXX a copy of my current flood policy - XX/XX/2021 : received document titled CHANGED CIRCUMSTANCE DETAIL with a list of changes that still did make any mention of additional flood insurance Estimated Monthly total Payment {$1500.00} - XX/XX/2021 : I received document with the following language : - We only need these last few items to continue to closing ; 1. Please provide a copy of your flood insurance policy. I have the homeowners insurance policy but it does not show the flood coverage. Is this in a separate policy?

2. Ive attached the flood FEMA findings. Please sign on page 2 - XX/XX/2021 : Signed Closing documents : XXXX + XXXX = XXXX - XX/XX/2021 ; Please Provide XXXX XXXX 7 days after closing!! 

- Statement : XX/XX/2021 : XXXX - Statement : XX/XX/2021 : XXXX - Statement : XX/XX/2021 : XXXX NOW NEW ANERICAN SAYS MY MONTHLY PAYMENT IS TO INCREASE BY {$200.00} A MONTH!!
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. XXXX XXXX XXXX Inquired on XX/XX/2019 XXXX  Inquired on XX/XX/2019 AMERICAN EXPRESS Inquired on XX/XX/2019 But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.
Product: Debt collection

I keep receiving phone calls about an installment/payday loan which is from CNG Financial in XXXX. The first person I spoke with would not release the law firms office who advised me, which her name was XXXX XXXX that I need a defense attorney because they are filing criminal charges against me. I received another call today XXXX/XXXX/XXXX and spoke with an XXXX who stated they would be suing me for not paying my payday loan that I took out online. I tried explaining I was going through bankruptcy and my filing is going to be ready for the last week of XXXX XXXX as I have retained a bankruptcy attorney. They refused to take the information and advised they will consider criminal actions for not paying this loan back.
Product: Credit reporting or other personal consumer reports

EQUIFAX HAS VIOLATED SEVERAL OF CONSUMERS FEDERALLY PROTECTED RIGHTS. INCLUDING THE REPORTING OF INQUIRIES, ACCOUNTS AND COLLECTIONS WITHOUT CONSENT, WRITTEN PERMISSION AND PERMISSABLE PURPOSE. EQUIFAX HAS ALSO VIOLATED CONSUMER 'S RIGHT TO PLACE SECURITY, FRAUD ALERT AND XXXX XXXX ALERT XXXX MYEQUIFAX.COM. VERIFICATION OF IDENTITY HAS BEEN SENT SEVERAL TIMES AND EQUIFAX IS NOT ACKNOWLEDGING CONSUMERS REQUEST TO DISPUTE INACCURATE AND IMPERMISSABLE INFORMATION. TOTAL LIST OF THE FOLLOWING : XXXX XXXX ACCOUNT NUMBER XXXX CLOSED ACCOUNT : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, ALSO THE AGE OF THE SATISFACTORY ACCOUNTS ARE INCORRECT THE ACCOUNTS ARE SAID TO BE OPENED IN XXXX AND XXXX BUT ARE REPORTING AS ONLY A FEW MONTHS OLD, THIS DECEPTIVE AND INACCURATE. 
REGULAR INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX COMPLETE LIST OF 150 SOFT INQUIRIES STARTING XX/XX/XXXX TO XX/XX/XXXX Consumer states they have not given any written, verbal, or non-verbal consent to the following reporting. Consumer is requesting the file be updated immediately. Consumer is requesting compensation for violations. The invoice has been enclosed with this letter.
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.

15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) 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. 




.
Product: Debt collection

I kept getting e-mails from a company claiming to be XXXX XXXX with an invoice for {$53.00}. I changed cell phone providers and was no longer using XXXX. When I closed the account, I owed nothing. I had a pre-paid plan and had to pre-pay for XXXX XXXX XXXX XXXX. I had minutes left over when I closed the account. I tried responding many times to explain that I was no longer with XXXX and owed nothing when I closed my account. They ignored my communications. Then, I got a letter throught the mail from MRS BPIO, LLC, trying to collect the {$53.00}. 

I called XXXX -- they explained that because I was on the pre-paid program, I owed nothing. They had no account for me. They suspected it was a fraudelent company posing as XXXX, using their logo. I have reported this to the fraud department of XXXX. I am still being sent invoices.
Product: Credit reporting

I have submitted a letter dated XXXX/XXXX/2016 from XXXX XXXX Bank. They state in the letter that on XXXX XXXX that they had removed foreclosure started from my credit report.They state on XXXX/XXXX/2016 they notified Trans Union Credit Company to remove this on-going report.They apologized for the inconvenience. The letter was signed by XXXX XXXX EXECUTIVE RESOLUTION SPECIALIST XXXX XXXX. She is available Mon, Tues, Thurs, Friday XXXX-XXXX Central time. She is the only person dealing with this. Document/Verification is at CFPB