23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I want to keep my Chase Amazon credit card open and in use. I 'm still using it to pay all of my major financial bills. I do n't want or have the time to make the changes to another account or credit company. Please help me ; my bike are going to be due soon and it will be difficult for me to switch new cards and accounts. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XX/XX/XXXX, XXXX XXXX. XX/XX/XXXX, XXXX XXXX. XX/XX/XXXX, XXXX. XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX , XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX 15 U.S.C 1681 section 602 A . States I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Mortgage

I have continually complained about the theft of my home by the mortgage company with little to no success, and they're counting on my ignorance and lack of money to keep me from succeeding! 
See I aquired my home thru survivorship rights after my companion passed away and he aquired it thru a trust. However, by the time it had gotten to me it was no longer in that trust. 
Immediately the mortgage company quit talking to me about everything except to say I needed to either become the administrator or the executor. They would not talk to me at all about the loan, how much I owed, or even whether or not they were getting my faxes proving ownership and affidavids of death. 
For 5yrs they accepted my monthly personal checks while doing their best to foreclose. I faced 3 foreclosure attempts and even had the government program " Keep Your Home California '' try to help me on two separate occasions, but we're denied both times because I wasn't the original borrower. 
They finally resorted to returning my mortgage payment saying it wasn't enough to cover my default ( which I was not in ) and had their substitute trustees foreclose on me even though neither of them had ever even talked to me and the many hardship packets they had me fill out went unapproved for no reason. 
I finally got their attention when I complained to this website and they agreed to pay me {$25000.00} to withdraw that complaint. However they did not keep their end of the agreement, and I never withdrew the complaint. 
Now I want to know what they plan to do about replacing my home! The {$25000.00} was just to make up for what they assumed I had paid in mortgage payments since I had aquired the home, and to help me since I had been homeless for several months, but what about the loss of my home, my stability, and my life??? And what about the fact that they have never even once proved they owed that loan or that it hadn't been paid off when the original borrower died??? 
They willfully and purposefully put me thru XXXX on a daily basis!!! I never really got the chance to morn my companion but instead spent every waking hour trying to figure out how to keep my home knowing they were just waiting for any excuse to take it ... They have crushed my very existence as if I had never even mattered and all for what? Money??? 
My home was worth {$160000.00} and I only owed approximately {$32000.00}. I paid my mortgage monthly doing the best that I could to be on time. They even sent my late fee 's back regularly saying I had overpaid, so I don't understand what the XXXX happened or why they were so against treating me with the respect they should have!!! 
And now they're trying to brush this whole incident asside saying we came to an agreement and they paid me off??? Seriously??? I will forever be without my home and thanks to the abuse I've endured I have been unable to get a job for the last 4-5 years,  and I have been denied social security several times now. 
They should not be allowed to continue to business this way or to treat their customers so badly!!!
Product: Mortgage

Hello, My mortgage was transferred from XXXX XXXX to NewRez in XXXX of XXXX. My account history is so jumbled up it's virtually impossible to follow. On 2 occasions I made a payment of {$5000.00} to the principal. Neither was either applied or applied correctly. The first one was applied a a regular payment with the excess going to the principal. The 2nd payment was not applied at all and just sat there for almost 3 weeks until I called and asked why it had not been applied. In general, there are so many additions and deductions that I can not follow what my balance should be. I know for sure I am being overcharged for interest as the principal was never adjusted for payments in a timely manner, if at al. 

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

To Whom It May Concern Please, may I request your help? This situation is a very serious matter involving fraudulent activity appearing on my personal credit report. A company named : XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX, TEXAS XXXX Has stolen my identity, involving an automobile lease, dated XX/XX/2015 resulting in a {$49000.00} loan. that resulted to date, in " 36 '' charge-offs reported to all three credit bureaus, with a balance of {$27000.00} left abandoned. I very rarely ever see my credit report and it was not until I tried to a purchase large cost item ; that I was shown over " 40 '' inquiries listed on my credit, along with this organization, named XXXX XXXX XXXX. I immediately filed a local police report along with filling a dispute with the three major credit companies along with attempting to make contact with XXXX XXXX XXXX. I sent an affidavit that was notarized to the company and they have never responded. My dispute was denied, as they claim that I am the lessor. This situation is clearly fraudulent and has destroyed my personal credit. I feel that I have been taken severe advantage of. I am a senior citizen and I live very simply. Most sincerely ~
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple accounts that are incorrect are reporting on my credit report : XXXX  XXXX XXXX # XXXX XXXX  XXXX # XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with manger XXXX, AND HE HAS BEEN WORKING WITH ME SINCE I WAS FIRED FROM MY LAST JOB AT XXXX XXXX XXXX XXXX; I WENT TO XXXX office explained to the XXXX manger XXXX, that i got hurt on the job, XXXX XXXX XXXX XXXX XXXX XXXX while i was under a running XXXX XXXX machine, i reported my accident and was fired by the director while I was still under WORKERS COMP, WHICH I AM STILL UNDER WORKERS COMP PRESENTLY XX/XX/2019, MY PROBLEM IS THEIR N.C OFFICE CALLS AND CONSTANTLY HARASSES ME AFTER I TRY AND TELL THEM I HAVE SPOKE WITH XXXX. I AM NOT ONLY TRYING TO GET A BANK LOAN TO PAY OUT MY DEBTS BUT CAN NOT BECAUSE THEY KEEP REPORTING WHEN I AM TRYING TO PAY BEST I CAN WITH NO JOB!!!!!!!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$3200.00}
Product: Credit card or prepaid card

I have been a victim of fraud through my credit card at Bank of America numerous times. I usually get the notification of the bill weeks and months after the transaction is made. I was recently targeted again for a total of almost {$1000.00}. I filed a dispute with the bank and they determined that I made the transaction when I in fact did not. I then request an in-person appointment with the bank where they directly told me that there was proof against me that proved that I did the transaction. A letter said that the person that did the transaction used my identity to process the transaction. However, during my appointment, the representative of the bank could not provide a single piece of evidence to prove that I did the transaction. All the representative said was that they can not find the evidence on file, but they are sure that there is. The bank said I will be required to pay for my credit debt unless a file a complaint like this one. This is highly unacceptable and as the sensitive person that I am, this has been a very traumatic experience. I fear being once again a victim of this type of fraud. Leaving the bank is an option but I can not pay the credit that I currently owe. The amount of frustration that this has caused me is tremendous. If this isnt resolved Id be forced to sue.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> and XX/XX/year> I have contacted the Equifax and have asked on multiple occasions to delete the creditor, XXXX XXXX off of my credit report since it is a Charge-Off. The reason I want this removed is that it is a Charge-Off and should be removed under Article 15 US Code 1601. On XX/XX/year>, I have contacted Equifax and have asked on multiple occasions to delete the creditor, XXXX XXXX off of my credit report since it is included in the bankruptcy and should not be showing on my credit report under Article 15 US Code 1681 ( b ). 

XXXX is refusing to remove XXXX # XXXX and they are incorrectly reporting this an OPEN ACCOUNT AND A COLLECTION ACCOUNT and I have asked for this account to be deleted as a collection under Article 15 US Code 1692c - Collection.. In addition to XXXX XXXX which is a collection under account # XXXX and I have asked this to removed under Article US 15 Code 1692c - CollectionXXXX XXXX XXXX XXXX  IS A COLLECTION ACCOUNT AND SHOULD BE REMOVED UNDER ARTICLE 15 US CODE 1692c Sincerely, XXXX XXXX XXXX cell phone
Product: Debt collection

This item is for RentDebt Automated and the original creditor is XXXX XXXX XXXX with a balance of {$3600.00} is inaccurate because by law, I can break a lease agreement. Under the Servicemembers Civil Relief Act, ( 50 App. U.S.C.A. 535 ) a military member who receives orders to move or deploy can break a lease agreement. I gave a 2 ( two ) month notice and provided a copy of my military orders to break my lease. They continued to charge for 3 more months of rent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't recognize this account, i never applied for it, i stole my wallet with documents and i think somebody used my personal information to apply for credit cards.
Product: Credit reporting

XXXX, Experian and XXXX reporting for Acct Number : XXXX : On XXXX, Acct # XXXX is being reported with missing Date of Last Activity, missing High Credit and Date of Payment shows XX/XX/2012 ; However on XXXX it is reporting Date of Last Payment as XXXX/XXXX/2012, and on Experian, Date of Last Payment is missing, High Credit and several account terms are missing. 
On a few separate occasions I have disputed with all XXXX credit bureaus XXXX, XXXX, and Experian pertaining to Acct # XXXX and each time it has been 'verified ' by XXXX XXXX XXXX . I have included the excerpts of my credit reports showing how these accounts are reporting
Product: Credit reporting or other personal consumer reports

Always reporting stuff on my credit and Im tired of creditors calling me. I would like for it to stop.
Product: Debt collection

VALIDATION AND CEASE AND DESIST To whom it may concern, I received a debt collection letter from you. Do you have the right person? Can you supply me with a contract or agreement signed with your company or the Creditor? 
PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED. 
ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR PLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE SECURED TRUST AND THEN BACK TO THE ORIGINAL CREDITOR PLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOU HAVE VALIDATED THE DEBT. 
Please do not look at my credit report or report anything to my credit I dispute I owe this debt amount to you and that dispute should be stated on my credit report if you have reported this debt. 
PERMISSABLE PURPOSE Please state why you have a permissible purpose to contact my credit. I dispute this. 
IF YOU PASS THIS ON TO ANOTHER COLLECTOR I dispute I owe this debt to you. If you pass this on to another debt collector, please provide them notice of my dispute to owing the debt. Thank you for your immediate cooperation.
Product: Debt collection

I received 2 collections charges on my credit report from collection agency called XXXX XXXX XXXX for the amounts of {$890.00} and {$940.00}. The original charges occurred from the company XXXX XXXX XXXX. The collections account was opened on XX/XX/2023. I have filed a police report and an identity theft case. I reported this fraud to Equifax online and over the phone to XXXX XXXX XXXX and to XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I suspect that a conspirator is forcing a complaint filed against a credit reporting bureau at the CFPB or other consumer reporting agencies., by victims., crime targets and/or scam targets like me to benefit something out of the process for itself. I am not at liberty to mention anything at all., because of a new trend of retaliatory acts and/or practices that claim " Verbiage '' as their defence. What are they trying to spark? The company is not registered at the CFPB. It is called XXXX XXXX XXXX. It accessed my report without my inquiry., and/or any authorization. Does the constitution constitute some sovereign or individual right to another individual to own another individual as property and get away with it in broad day light?
Product: Credit reporting or other personal consumer reports

Experian has refused to update self account to accurate amount. They failed to run dispute when requested and report amount at over credit limit as a means to suppress score
Product: Credit card or prepaid card

I sent a mail through USPS last XXXX to Citibank Security Department to follow up what happened to my credit card. Initially, my original " anywhere XXXX credit card '' was lost before I left for vacation last XX/XX/XXXX. 
I notified Citibank that I did not receive the replacement card they sent. 

To add further, I started to recognize fraudulent activities when I checked my charges online. 

I instantaneously called and notified Citibank, to make them aware of this situation. Their reponse was to suspend it & send another one, eventhough repeatedly informed them I am currently on vacation internationally. 

However, when I came back home to US, I was stunned to know that there was already huge amount of purchases placed on the card, which I never made at all. They suspended that replacement card and I filed a dispute. 
At that time, they sent me another card. Although I'm already back home, that supposedly succeeding credit card didn't reach to me at all. 

And again, I shook to my very core, that another enormous amount of purchases was made by this scammer or whoever has my card. I was passed on from one phone call to another. Each phone call I kept explaining, that if you try to compare my usual charges I made or I make, I never at any point in my entire life, made a ridiculous amount of purchases over a short period of time. That was a huge red flag. Plus the facf that I went to report to citibank customer service, I never receive this card ending in XXXX and XXXX. The only one I got is the XXXX, which I received later on, that got also expedited Each passing week I kept on calling, and each time I call the fraud department, I get responses that, the security department is taking care of it and sometimes it takes a while. 

But few weeks ago I received a letter that my dispute was denied. I called fraud department right away, very frustrated of this letter, because I did not receive any of this card where purchases were made. 


I filed a police report, and the police report number is # XXXX. I reported it to the XXXX Police Department, XXXX XXXX XXXX, XXXXXXXX XXXX. Their phone number is ( XXXX ) XXXX XXXX. 


I earnestly ask Citibank to please review and re investigate this matter again. This the second review and its almost six months that theres no resolution and Im still waiting. My credit score now drop from XXXX to XXXX and this makes me agitated. 
I am the breadwinner to my small family. 
I am a prime believer of good personal ethics and hardwork. Each money I make, is a hard earn money. with a faith in myself that I would be able to continuously afford my familys needs such as healthcare, and to be able to continually save money for my childrens future like college education fund. 

Thank you for your effort and time reading this. My direct mobile number is XXXX XXXX and my recent card number in my possession is card ending is XXXX. 

Attached here are the list of fraudulent purchases that I disputed. 
Please help me out on this matter. 

Thank you, XXXX XXXX
Product: Mortgage

: :Addendum to case # XXXX : : Bank of America states the note was transferred to XXXX ( XXXX ), as XXXX APR, XX/XX/XXXX. If this is true, the deed to the property reflects the mortgage was satisfied by Bank of America, NOT XXXX. I have attached the deeds in regards to Bank of America. XXXX ( XXXX ), is mentioned nowhere in the deeds. Also, let it be known I have provided a copy of my drivers license, as well as official government mailings, proving my mailing address as of XX/XX/XXXX. My attached proof of address is well before the alleged transfer date. Also, let it be known, my address was NOT changed in XX/XX/XXXX, as Bank of America stated. Also, the addresses provided by Bank of America are of a generic nature, as there are multiple XXXX, as well as XXXX. There are no city, state, or proper zip code attached, which means I did NOT receive any mailings. Also, Bank of America claims there was not foreclosure proceedings conducted. There were XXXX XXXX notices issued in both XX/XX/XXXX, as well as XX/XX/XXXX. Reason being is Bank of America was the second mortgage. XXXX was the primary ( first mortgage ). XXXX refused to subordinate the second mortgage, which meant the property could not be refinanced or sold. This is why the property was disposed of via short sale. I have provided your own words in an attachment, as well as identification and the deeds.
Product: Debt collection

The company has 2 debts from me and they don't belong to me.
Product: Credit reporting or other personal consumer reports

This company has no reason to exist, LEXISNEXIS RISK SOLUTIONS 1. Their records are full of errors on individuals 2. Includes information on anyone with similar names, with bad credit. 
3. It confuses credit applications and can harm people with great credit. 
4. The company professes to be a credit bureau, but it is not and is very difficult to deal with. 
5. This company has an F rating by the XXXX XXXX XXXX, with multiple complaints of the same problem! 

If you attempt to explain that they have the wrong information for another person they are unconcerned and make it very time-consuming to correct their error! 

Honest people with good credit are being damaged by this scam company
Product: Debt collection

This company is reporting a XXXX collection account on my credit reports. The original creditor never bothered to notify me prior to turning this account over to this collection agency. This is now beyond the statute of limitations in Florida.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union continues to verify and report an account that was closed due to FRAUD. XXXX XXXX is aware of the fraud and police reports they and Trans Union abuse the laws specifically the FCBA AND TILA and FCRA ACTS the information has to be 100 % complete and accurate which it is NOT. This account continues to report on my Trans Union consumer report. Trans Union had the opportunity to have access to the police reports which are valid legal affidavits. This is a A WILLFUL AND DIRECT crime to continue to report this account on my credit report!