23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I worked for Wells Fargo Home Mortgage in XXXX They laid me off due to the mortgage crisis. I asked them to modify my loan based on the loss of my job. They gave me a few hundred dollars off of my loan. I showed them my reduced income could not sustain the new payment. I requested a second loan modification and they gave me a second one. A few months later they sold my house at the court steps through an independent broker. The broker had a relationship with an independent investor and sold the house for {$360000.00} less the appraised value. I lost all my equity and I lost my home. 

I paid the monthly payment for the loan modification. I want to be renumerated for loss of equity up to this date. The house is now appraised for {$1.00} XXXX. 

The address is XXXX XXXX XXXX XXXX XXXXXXXX XXXX. My wife and I were the original owners and builders of the home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This was with mariner finance and XXXX, TX XXXX XXXX. I had a set up payment plans that my attorney XXXX XXXX arranged to pay a total of {$1200.00} and I was to pay this by XXXX, sorry by XX/XX/XXXX of XXXX  I made the last payment on XX/XX/XXXX of XXXX. They charged an additional {$800.00} and they know about the agreements.
Product: Credit card

I opened a case with you in XXXX. Citibank is indicating because a chip and pin was used for a ATM advance, I am responsible for a {$480.00} which I did not receive funds. I did attempt the ATM machine in the hotel ; however, it didn't dispense and was inoperable. The charge in question was XX/XX/XXXX, and I departed Arizona on XX/XX/XXXX. I have proof that I was in Maryland the afternoon of XX/XX/XXXX and the rest of that month. Citibank sent you a notice indicating that they would look into it, and an investigator phoned me which is when you CLOSED the case. I asked them to inquire with the ATM company to verify the machine was inoperable during my stay. Now the amount is showing due on my account once again, no one has contacted me since, and I am now opening another case in order to get this sorted out. 

Please do not close my case until this is resolved.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report, in my case under reference # XXXX and # XXXX. Please find the ATTACHED documents to assist in the removing of the erroneous information and fraudulent accounts which are being posted to my reports. Here is the list of items per bureau which do not belong to me or were opened without my permission : -- -- -- -- -- -- -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 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 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 . According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I checked my credit report and there are accounts on my file that do not belong to me. Equifax was involved in a data breach in which i was a victim of. I am filing a complaint due to that breach and would like the accounts listed below deleted immediately. 

INVALID EQUIFAX ACCOUNTS XXXX XXXX XXXX {$700.00} XXXX XXXX XXXX XXXX {$940.00} XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX {$250.00} XXXX XXXX  {$150.00} XXXX XXXX {$240.00} UNAUTHORIZED EQUIFAX Inquiries 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

XXXX  XXXX put on my credit report a charge off that belonged to my son. He was scammed In his checking account and his account had a balance. I reached out to XXXX  XXXX to tell them I didnt know his account was scammed. Hes XXXX and I helped him open it at XXXX. I paid the {$1800.00} he owed and it was suppose to be removed from my account since I wasnt aware it went to collections and he was scammed.
Product: Vehicle loan or lease

I filed a XXXX  XXXX bankruptcy on XX/XX/22, initially, I had signed a reaffirmation with Ally bank because I was hoping to still be making enough money to support the loan. I realized in the next month it was not looking good for me financially so on XX/XX/22 we filed a notice of rescission of reaffirmation. I have not heard from Ally Financial, despite reaching out to them on several occasions, and on XX/XX/22 a surrender letter was filled out and sent to them. They requested the location of the vehicle, which was supplied to them same day as well as the facility gate hours, and to date ( XX/XX/22 ) it has not been picked up, I have not been contacted, and they have not updated to show it was surrendered. I have made several attempts to get my credit report updated but they refuse to update it and still show all months are past due and the amount it owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 45 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the EQUIFAX data breach and may have got into the hands of the wrong person .... In the recent investigation brought upon EQUIFAX, I found that my consumer file is being irresponsibly tampered with. Over the past 6-12 months I made several attempts remind them of there duty pursuant 15 USC 1681. I feel they are intentionally and willfully being neglectful in my request. 15 USC 1681e ( b ) assures that I am due, promised accuracy in my consumer report based on Federal law. This is another attempt to have these errors corrected. 15 USC 1681i ( A.5 ) states after the reinvestigations all of the unverified information must be promptly deleted and blocked.
Product: Credit card

A week ago I tried to go online and convert rewards, which is transferring points from my credit card to a partner program. My phone number kept getting an error message despite a phone number for verification going through on the rest of capital ones sites. I called into Capital One and told them this they tried to tell me that, there was a problem with my carrier, but I told them that I had no problem receiving verifications on other sites or on Capital One only when trying to convert rewards. I also started to research and noted that this is a known issue and there are many people reporting it. I spent hours on the phone on XX/XX/XXXX and XXXX requesting escalations because it had been a week and every time I tried I would get a failure. They kept saying that my account was new. My account is XXXX weeks old. I have points that I am not able to use the advertised feature of converting those points to a partner program. Therefore, I am unable to make a purchase with my points. I noted to each escalation that it was a blocker. They kept saying that it is working by design, but that they could not tell me when it would be resolved and that they was no workaround. They also stated that there are no other XXXX options available to me. I asked them why other verification options could not be done and they said they couldnt do anything except give feedback. The escalations team had no further escalation to resolve this issue. 
I have tried to tell them that this is not as designed user experience, but everyone at Capital One keeps trying to say that it is as designed and then passes phone calls along to different teams who never take ownership of the issue. It is an incredibly frustrating experience and I plan to advertise that this is a huge caveat to anyone considering signing up for this card and that its not worth it if transferring to a partner Is important to you
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE FILED MULTIPLE DISPUTES WITH XXXX   THEY HAVE YET TO FUIX THE FRAUD ERRORS ON MY REPORT I HAVE SENT XXXX MY FTC REPORTS I HAVE FILED POLICE REPORTS THEY HAVE YET TO RESOLVE THE MATTER THEY CONTINUE TO REPORT THE STATES EMPLOYEES CREDIT UNION ACCOUNT, THE XXXX FINANCIAL ACCOUNTS AND XXXX XXXX   ACCOUNT ON MY REPORT I HAVE SENT THEM EVERYTHING I HAVE BEEN THROUGH THE DISPUTE PROCESS OVER 20 TIMES THEY CONTINUE TO REPORT THIS INACCURATE INFORMATION. THEY ARE REPORTING THE ADDESS XXXX XXXX XXXX XXXX NC XXXX ON MY REPORT HAVE INFORMED THEM THIS IS ASSOCIATED WITH FRAUD AN THEY CONTUNE TO REPORT IT. I AM ASKING YOU TO INVESIGATE THIS AN HAVE THIS COMPANY REMOVE THESE ACCOUNTS FROM MY CREDIT REPORTS WITH THE CREDITOR LISTED AS NC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi my name is XXXX XXXX. I have never done business with XXXX XXXX XXXX XXXX XXXX  neither am I liable. I do not have a signed contract nor any type of contract with XXXX XXXX XXXX XXXX XXXX. I have the right to demand and see the contract between XXXX XXXX XXXX XXXX XXXX  and myself! Please send the proper validation
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate. 

TransUnion Report : Chime-stride XXXX $ XXXX : XXXX XXXX XXXXXXXX $ XXXX : XXXX XXXX $ XXXX : Credit XXXX XXXX $ XXXX XXXX XXXX looked at a copy of my credit report and XXXX several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate : XXXX Report : XXXX XXXX $ XXXX : First XXXX $ XXXX : XXXX $ XXXX : Capital XXXX $ XXXX XXXX XXXX XXXX XXXX $ XXXX Recently I looked at a copy of my credit report and noticed several inaccuracies on my account.

This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate : XXXX Report : XXXX XXXX XXXX $ XXXX : XXXX XXXX XXXXXXXX $ XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting and XXXX  account XXXX  XXXX # XXXX has violated my rights. 

15USC 1682 Section 602 states I have the right to privacy.

15 USC 1682 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Product: Debt collection

On XX/XX/year>, LJ Ross Associates which is a debt collections company sent me a letter that is trying to collect on an XXXX account that is the product of identity theft committed against me. The XXXX XXXX account is Account Number : XXXX The account is the product of identity theft and XXXX XXXX puts this account with XXXX as LJ Ross and Associates Reference Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX  and spoke to their customer service. They would not help and take care of the negative inquiries reporting to my credit report. I have been a victim of inquiries issues. Spoke to XXXX  and asked them what due diligence they do on their parts to verify that whatever the creditors are reporting to them is valid and they blatantly told me that they dont do any due diligence and that whatever the creditors report to them they assume is true. I have four inquiries that I need removed because those inquiries were not valid. 

XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX  XX/XX/2019 Thank you in advance
Product: Checking or savings account

On XX/XX/2022 I drove to the key bank I normally go to so that I could deposit four checks. There was a sign on the door that said temporarily closed however there were cars in the ATM lane that was on the rear of the building, a drive thru ATM machine. That was operating. There was no sign stating otherwise. 

I entered my card, selected deposit and placed all four checks into the ATM as usual without incidence. One of the checks apparently had a minor rip so the ATM stated one of the checks will be returned to you. I waited and waited.finally after 2-3 minutes the check came out. The screen then showed the picture of remaining three checks with green check marks next to it. I waited and waited. After 3-4 minutes, no receipt was given nor any confirmation on screen that the deposit was made successfully. 

Then the screen said return card? I hit it concerned I would never get my card back because it seemed something was wrong with the ATM. 

I waited again 3-4 minutes and finally my card was ejected.

I immediately signed in and checked the key bank website to see if the three checks were deposited. Nothing. 

I drove home and called the bank who then sent me to the Dispute claim line where I filed a claim. 12 days later I sign into my account to see if there was any update and I read case denied. I was livid. 

i phoned the dispute claim office who then sent me to fraud dept who told me that no checks were found in the ATM. And that I need to contact all three of the check insurers to tell them to stop payment on the checks. 

Im at a huge loss. Confused why the checks were not found in the ATM machine. Did they search the incorrect ATM and instead look in the one in the bank in the vestibule? I asked the fraud dept about this and now I am waiting to hear back. I am livid. I need the funds.
Product: Credit reporting or other personal consumer reports

I recently found out through my credit report that more identity theft has occurred after the initial police report was filed XXXX. I noticed this issue when I tried to apply for a house and apartment, and they told me I have an eviction on my credit report that was up for collection. I contacted my credit company, and they sent me a copy of my credit report which shows two account that was open by XXXX XXXX who is my bothers girlfriend ). My brother 's name is XXXX XXXX, and he is currently XXXX ) ( I do not know her contact information ). She is associated with the original identity Theft case ( XXXX ). The address to the places on my credit report : XXXX XXXX XXXX XXXX - XXXXXXXXXXXX XXXX  XXXX XXXX XXXX, Fl. The other address is XXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXX , Fl . Im looking to get this incident resolved asap. I need to add the info to move forward with the investigation and clear my name and credit to be able to move on with my life!
Product: Debt collection

I had an outstanding balance of {$300.00} due to XXXX XXXX that I was not aware thinking insurance had paid for it. Since I was not aware of this balance, it eventually went to IC System collection. When they called for the very first time, I was informed they were trying to collect a bill for {$400.00}. I told them I was not aware of it and they followed up by providing the statement from XXXX XXXX for {$300.00} plus a XXXX collection fee. I informed them it was unfair to charge me a 35 % collection fee as I was not aware it and it very excessive. 
I told them I would pay the due amount or at least reduce the fee to a honest amount. 
They would not here it and told me I had to pay full amount or destroy my credit. Which they did the following month byt reporting a collection item on all XXXX credit bureaus. 
I am still willing to pay the correct due amount and hoping the negative information be removed from my credit report. 
XXXX XXXXXXXXXXXX
Product: Credit reporting or other personal consumer reports

On my equifax Credit report theirs is negative item that shows three months past due the account loan is fraud I filed a federal trade commission identity theft report normally equifax will remove the item from the report my social security number is XXXX name XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 12th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App identity you and your account.

( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 34 inquires over that last 6 months that are not mine or have been fraudulent
Product: Credit card

I applied american express platinum credit card on XXXX XXXX 2016 for an offer which is XXXX reward points after spent {$3000.00} in first 3 months, which I did and received the XXXX reward points on XXXX XXXX. On XXXX XXXX, I converted my AMX platinum credit card to the AMX green card. When I was doing the conversion, the representative never told me the change would lead to the disappearance of the XXXX reward points. I actually asked the presentative, if I would still keep the points if I do the change, and he told me yes, my rewards points will be safe. Recently, I just noticed that my reward points in my account is gone. On XXXX XXXX, they took away XXXX reward points which I earned with no question. 
First, I met all the requirement for obtaining the XXXX reward points. No question about that. I will attach a summary of my card activity. 
Second, when I was doing the conversion from platinum to green card, I was never told this change will make the XXXX points gone. If I was aware of that, I would never conduct the conversion. 
All in all, I just feel it 's extremely unfair that AMX just took away XXXX points from me for nothing I did wrong.
Product: Credit reporting or other personal consumer reports

This is my second 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 Items. 
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 Balance : {$21000.00} ; XXXX XXXX Balance : {$8300.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$2600.00} ; XXXX XXXX XXXX Balance : {$160.00} ; XXXX XXXX XXXX Balance : {$280.00} ; XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$2600.00} ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX.