23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I was XXXX XXXX, XXXX XXXX. I bought a land lot and built my home. XXXX never put me on bank loan financed by XXXX XXXX XXXX XXXX. After XXXX  XXXX XXXX refused to accept me a rightful owner despite having home assigned to me by XXXX  court, and having a Quit Claim Deed on it. I originally owed {$170.00}, but after XXXX years of XXXX XXXX refusing to allow me to Assume the mortgage they now claim I owe them {$400000.00}. as they enforced the costliest Insurances and the highest compound interests. I was forced to file Bankruptcy in order to prevent XXXX bank to take home. Now in XX/XX/XXXX, XXXX XXXX sold my loan to Specialized Loan Servicing and I am having the same difficulties with them. They have refused to allow me to Assume the mortgage, or to give me a trial payment plan of a year, which they state they could do. My interest is in saving my home, rectifying the paperwork and putting this account back on track. SLS has not been willing to modify the mortgage despite the fact I make sufficient salary to pay. I have lived with my sons, and who have medical problems, and my mother with end-stage XXXX XXXX in this home since XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent an Affidavit of Truth and an Invoice to XXXX XXXX XXXX, here is the tracking # XXXX, XXXX. I also sent an Affidavit and an Invoice to Portfolio Recovery Associates , LLC tracking number $ XXXX. They have not paid out the invoices and had the negative items deleted from my credit report. These companies have violated 15 USC 1692. ( C ) ( A ). 15 USC 1692K, 15 USC 1692. ( B ) ( 2 )., 15 USC 1692. ( B ) ( 5 )., 15 USC 1692 ( D ) ( 2 )., 15 USC 1692 G ( A ), 15 USC 1692 ( B ) ( 4 ), 15 USC 1692 C ( 1 ), 15 USC 1692 ( E ) ( 1 ), 15 USC 1692 ( F ) ( 8 ) ( 8 ) 15 USC 1692 ( D ) ( 5 ). Based on these laws I can collect these damgages15 USC 1692K. Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of, any actual damage sustained by such person as a result of such failure : in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00}.
Product: Credit card

Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying XXXX XXXX help me out by finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :
Product: Payday loan, title loan, or personal loan

I have an approved funding from XXXX XXXX which is to be funded by Key Bank - New York Branch. Over a period of several months, I have made several fee payments to a number of various individuals as called for by XXXX XXXX, Key bank Manager, a Mr. XXXX, Bank General Manager and XXXX XXXX ( XXXX XXXX Loan manager ). I was required to make several payments to various people, and which over the course added up to over {$25000.00}. For the last several fee payments ( at least 5 ) I was told by bank manager XXXX XXXX and Bank General Manager that each of these payment would be THE LAST FEE PAYMENT and would result in the funding of my account as approved by XXXX XXXX for {$95000.00}. There has never been a deposit to my account and there is always another fee to be paid. Some of the fees ( PPI insurance ) has been paid at least two times and this manager is calling for yet another payment. The payments and fees never end and has never been the last payment. Currently, there is another fee being called for for insurance before funding my account. History of this operation has shown that as long as I make a payment, there will always be one more last payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB Complaint regarding my request for the Credit Bureaus to remove the dispute fraudulent information reporting on my Credit Report. I previously sent an FTC dispute letter addressed to the Credit Bureaus on XX/XX/2022 requesting that the Credit Bureaus remove the fraudulent items from my Credit Report. However, upon checking my updated Credit Report, it is clear that the Credit Bureaus have not yet complied with my request. Once again, I was a victim of identity theft and I have read that the Credit Reporting Agencies are required to remove any accounts and information that was incurred due to identity theft. I never received anything as benefits as a result of my identity being stolen, neither did I initiate in opening this accounts. I never authorized anyone to use my personal information. Under the FCRA XXXX XXXX, I am submitting this CFPB complaint to request the Credit Reporting Agencies to remove the following fraudulent items completely from my Credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MO XXXX XXXX OF XXXX XXXX Balance : {$7200.00} DP OF XXXX XXXX Balance : {$3100.00} DP OF XXXX XXXX Balance : {$10000.00} DP OF XXXX XXXX Balance : {$6800.00} DP OF XXXX XXXX Balance : {$8100.00} DP OF XXXX XXXX Balance : {$3300.00} DP OF XXXX XXXX Balance : {$9400.00} DP OF XXXX XXXX Balance : {$7100.00} DP OF XXXX XXXX Balance : {$460.00} DP OF XXXX XXXX Balance : {$3900.00} DP OF XXXX XXXX Balance : {$1600.00} DP OF XXXX XXXX Balance : {$5600.00} DP OF XXXX XXXX Balance : {$8300.00} DP OF XXXX XXXX Balance : {$6700.00} DP OF XXXX XXXX Balance : {$1500.00} ( Original Creditor : ) XXXX Balance : {$390.00} ( Original Creditor : ) XXXX Balance : {$280.00} XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX AUTO XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2022 XXXX XXXX XX/XX/2022. The Credit Bureaus continued reporting the fraudulent items which a clear violation of a consumer 's rights under the FCRA section XXXX. If the Credit Bureaus claim that the disputed items belong under my name, I will the Credit Bureaus to provide me copies of proof of verification bearing my signature. If the Credit Bureaus can not prove that the disputed items belong to me, I need the disputed items deleted as soon as possible.
Product: Mortgage

Hello, In XXXX, I had my home raised above the FEMA guidelines in order to lower my XXXX Insurance costs ..., During this period in time, my house note was increased because of the insurance company increasing my coverage in the following : In XXXX, my insurance went from {$530.00} yr. to {$2000.00} yr. 
In XXXX, my insurance went from {$2000.00} yr, to XXXX yr. 
In XXXX, my insurance went from {$4000.00} yr. to {$6000.00} yr. 
And in XXXX, it went from {$6000.00} to {$8000.00} yr... 

The insurance company 's name now is called XXXX ..., It went through several names before it came to this name... 

In the process of raising my home, I had to get a survey, and a elevation certificate which I presented ..., They proclaimed that I should take it up with the insurance co. meanwhile, my insurance was being escrowed, which reflected the increase in my monthly mortgage...
Product: Payday loan

I had my identity stolen. I had fraud alerts put on my credit with the XXXX credit bureaus. Blue Chip financial was going to approve a fraudulent loan, ignoring the fraud alerts. I found out through XXXX about the new loan and contacted Blue Chip to have it closed and have it erased from my credit report which is not happened.
Product: Mortgage

I filed for chapter XXXX to clear my debt..became current last year..phh accept my plan for 3 mth trial for XXXX mth payment..so i was doin good doin my payments ..On XX/XX/XXXX i had which was suppose to b a minor XXXX truned to major jad to get a big XXXX XXXX  off my L shoulder my dominant hand side..so my recovery took lil longer..i wrote them to tell them my XX/XX/XXXX payment would b late due to that all they would say is im sorry u XXXX pay an i told them when i could pay..so i paid in XXXX for XXXX so once i got bac to work on my feet i was XXXX to pay to current then covid happened n XXXX i was still workin then n XXXX i kept getton letters from XXXX my payment been sent bac ..i sent my XXXX payment an they sent all bac wont except them they wamt the whole amount..even durim Covid time..so in XXXX i was outa work on FMLA for my XXXX an covid i jad a hard time breathing an i got nac now XX/XX/XXXX ..til this day phh mortgage wont tak a payment ..I owe bout XXXX I cant get a loan to pay it off my bac pay so now i just gota hope an pray i get some help to pay my rears off to start over..if the government dont care bout us lil people why should anyone else..all they want is $ $ $ $ we don't have during this time those who was anove us are mow living like us..welcome to lower class income. 
Thanks for listening XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital one inquires on XX/XX/XXXX and XX/XX/XXXX .... 
XXXX Bank inquiry on XX/XX/XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against Equifax regarding their failure to address multiple fraudulent entries and inaccuracies in my credit report.I have mailed in the documents and Equifax has failed to update or send me updated credit report. I have been a victim of identity theft and human trafficking, which has resulted in numerous fraudulent accounts being opened in my name without my authorization. These fraudulent accounts, along with an incorrect public record, have severely impacted my creditworthiness and financial stability. Despite multiple requests, Equifax has failed to remove the following fraudulent accounts and public record from my credit file : Equifax has violated multiple sections of the Fair Credit Reporting Act ( FCRA ) by failing to correct these inaccuracies : Section 605B ( 15 U.S. Code 1681c-2 ) : Equifax is legally required to block fraudulent information from my credit report once notified of my status as a victim of identity theft. Section 609 ( 15 U.S. Code 1681g ) : Equifax has failed to provide accurate and complete disclosure of all information in my file. Section 611 ( 15 U.S. Code 1681i ) : Equifax has not conducted a proper investigation into the fraudulent accounts and public record within the legally required XXXX period. Section 607 ( b ) ( 15 U.S. Code 1681e ( b ) ) : Equifax has not followed reasonable procedures to ensure the maximum possible accuracy of my credit information.
Product: Credit reporting

i am filing this complaint because equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts i disputed. 
being that they have gone past the 30 day mark and can not verify these accounts, under section XXXX XXXX XXXX ) ( A ) of the FCRA-they are required to '' ... promptly delete all information which can not be verified. " that i have disputed.Please resolve this manner as soon as possible. Thank you
Product: Credit card or prepaid card

I reserved a cargo van from XXXX to move from XXXX California to the XXXX area. Originally I made the reservation for one week not knowing how long it would be needed. After the first week expired I called their hotline to let them know I would need it a bit longer, they said no big deal. Thinking everything was fine an dandy I kept the vehicle for another week ( apparently I was wrong ). I received threatening phone calls after the next week stating " the vehicle must be returned immediately or we will notify police and have you arrested ''. Mind you I was still in the XXXX XXXX with limited cell reception. I rushed my way back to the nearest airport in CA. I returned the vehicle as soon as possible. A few weeks later I received an outrageous charge of nearly {$4000.00} for a rental that should have cost {$500.00}. XXXX has been known to commit this type of fraud in the past, previously they've had to pay millions of dollars in settlements for these sorts of crime. It is very disheartening to see that these types of things are still happening till this day.
Product: Credit card

In XX/XX/year>, I applied for the Amex XXXX XXXX XXXX card. After meeting all the requirements for an open account welcome offer, I didn't get it. 

Now, Amex is telling me they are not giving me the offer because they declined the offer during my application process. However, I didn't see anything when I was opening the account. 

This is the first Amex XXXX XXXX XXXX I have ever applied for, and I have never closed any Amex card.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX These ILLEGAL ACCOUNTS MUST BE REMOVED IMMEDITELY! 

Under USC Sec 15 1681, 1682, 1683, 1684, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, Equifax, XXXX. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 


XXXX XXXX  XX/XX/XXXX {$860.00} XXXX XXXX XX/XX/XXXX Balance {$410.00} XXXX XXXX XXXX XXXX XX/XX/XXXX Balance {$15000.00} XXXX XXXXXXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$440.00} XXXX XXXX XXXX  Date Opened XX/XX/XXXX Balance {$520.00}
Product: Checking or savings account

On XX/XX/2018, I transferred {$2000.00} into a Simple XXXX account. I then transferred the money into their " Protected Goal '' product which earns a higher interest rate. After leaving the money until XX/XX/2018 I transferred an additional {$6500.00} to Simple XXXX. This time I was unable to transfer the deposit to their " Protected Goals '' product and I realized I was also unable to withdraw money from " Protected Goals ''. I have contacted support around 5 times from XX/XX/2018 to XX/XX/2018. I was never given any information about when this might be fixed. I was never given a means to close my account and return the money. I was never contacted by a manager as I was told I would be. To this point, I have not been given any update on how this might be resolved nor any means to close the account.
Product: Checking or savings account

Issas a victim of fraud in XXXX of my checking acct here at USAA on XXXX XXXX2024in seeing this pending in my acct I called USAA to alert them to stop this fraudulent withdrawal of funds from said acct..I was told couldnt stop but able to retrieve my funds the next day XXXXthat nite I spoke to eitherfraud team member or bank person and I expressed concern for remainder of money in this acct and they advised me could open another or new acct and put funds from that checking acct into new acct which I did..I have records of each transaction to show those transfers.. 
From this point on XXXX things went sideways >>anyway I was not feeling confident about continuing w USAA and made some additional interacct transferand it for a few days was confusing.. 
Then on XX/XX/year> Friday deposits and transfers took placein looking back at this I think USAA over credited me and I didnt see it until I went back today and found where they over credited me. 
In any case I didnt see that and on XXXX I called USAA again and talked to banking..they were able to transfer the money back into my acct USAA has been doing this analysis or investigation into my acct and it has been over XXXX wks and I cant get an explanation of why they are doing it and when to expect resolution. They have been rude to me and I feel like they are investigating me .. and that USAA is setting me up to build a case and take my money.., this feels legal to me.. 
I want the world to know about how USAA is treating me.. 
What can u do for me? 
XXXX XXXX XXXX
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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C. 1681 Section 602 ( a ) outlines the Congressional findings regarding the critical role of Consumer Reporting Agencies ( CRAs ) in the nations financial system. It emphasizes the need for these agencies to exercise their responsibilities with fairness, impartiality, and respect for consumers right to privacy 15 U.S. Code 1681s2 outlines the responsibilities of furnishers of information to consumer reporting agencies.

15 U.S.C. 1681c outlines requirements related to information contained in consumer report 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

I XXXXXXXX XXXX XXXXXXXX have submitted certified checks to XXXX XXXX located in XXXX Mississippi. Purchased XXXX XXXX XXXX in XX/XX/XXXX, that was destroyed in XXXX XXXX in the state of Louisiana. The recent automobile I purchased approximately XXXX years ago is a XXXX XXXX XXXX. I was unable to receive service for the automobile in the state of Louisiana. Therefore, I visited the dealership in Mississippi and was unable to trade the XXXX XXXX. I requested service for automobile tires, oil change, and etc, the salesperson told me to take the automobile- any XXXX XXXX in Louisiana. After I had accidents and no legal representation. The automobiles were never repaired. I have faithfully mailed certified checks issued by XXXX XXXX XXXXXXXX XXXXk. Reference : Ford XXXXXXXX XXXX XXXXXXXX. XXXX XXXX {$590.00}. I am requesting XXXX XXXX XXXX to waive all late fees since calendar year XXXX because I took taxis, utilized XXXX and solicited rides from a friend and a family member. My sister, brothers and other family members refused to assist me.
Product: Credit reporting

I have been issuing credit disputes regarding medical bills and car loans that were my ex husbands, and as soon as they take it off the report it is put back on causing my credit score to drop almost XXXX points. The personal information is also incorrect and I have submitted a copy of my drivers license and social security card to no avail. I am wondering why they are continuing to keep dropping my credit score over and over again. I have no new accounts and this seems to be discriminatory actions.
Product: Credit reporting or other personal consumer reports

Greetings, I am formally requesting a review of unauthorized inquiries on my credit report and urge Experian, XXXX, and XXXX to conduct an investigation and clear these entries as mandated by law. The inquiries in question are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This XXXX XXXX XXXX account is a fraud account and should not be on my credit report.
Product: Credit reporting or other personal consumer reports

Disputed collections on my credit reports with each bureau for charges reflecting on my report from companies I am aware I do not have accounts with. 


Dates Actions were taken XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  : Amounts : {$1100.00} {$830.00} {$2200.00} $ XXXX {$2200.00} {$1200.00} {$1000.00} {$2300.00} Midland Management Amounts XXXX {$610.00} {$1300.00} {$630.00} XXXX XXXX Amounts XXXX {$190.00} {$2100.00} XXXX XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX Amounts XXXX {$600.00}
Product: Credit card or prepaid card

On XX/XX/XXXX my wife and I received a XXXX XXXX XXXX XXXX XXXX  debit card in the amount of XXXX dollars issued by XXXX XXXX XXXXXXXX a service of New York Community Bancorp , Inc, and utilizing XXXX XXXX. On XX/XX/2022 we discovered that the debit card had been exhausted of funds due to three transaction against the remaining balance being paid to vendors that were not authorized by us, in a town not nearby. Nor did we authorize anyone else to make those purchases. The details of these unauthorized payments were discovered by calling an XXXX number on the back of the debit card and subsequently listening to a list of transactions on their automated system. Further inquiry to a number indicated on the website of the California XXXX XXXX XXXX connected us with an individual/representative who had access to relevant account records and transactions. She read us the complete list that we compared to our own records. Three transactions, the most recent posted on XX/XX/XXXX, did not match our records. According to the representative amounts and vendors paid are : {$200.00} XXXX {$54.00} XXXX {$1.00} XXXX XXXX XXXX  If I understood the rep correctly all three vendors are in XXXX Ca. At the end of the conversation I asked the rep her name and which department she worked for the franchise tax board to which she replied that she was actually an intermediary between the state of California and financial institutions indicated on the card. She stated that they would begin a dispute process and if determined to be the result of fraud issue a new debit card to us in the amount of the balance. Besides the loss of funds due to fraud we are additionally concerned that our personal taxpayer information and data may be compromised. We question whether sufficient security is in place to protect us going forward Any assistance in this matter is appreciated.
Product: Mortgage

In 2020 my life was effected by COVID just like everyone else in the world. I fell behind on my mortgage and called my mortgage company for help. They put me on a forbearance from XX/XX/2020 - XX/XX/2020 and then they kicked me off. They then sent me a denial for a modification letter. I have done some research into XXXX XXXX 's COVID assistance plans and this does not seem correct. I have since called and was told I do not qualify for any assistance, no forbearance, modification or deferral. I do not think my lender is being honest with me regarding XXXX XXXX assistance and I feel I should qualify. Thank you.