23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/2019 I was called by a debt collector 23 times in one day! Some within minutes of each other. Daily these calls start at XXXX XXXX which is illegal. They use multiple numbers to harass me all day long. Ive tried blocking the numbers but they keep robo calling with fake numbers.
Product: Credit reporting or other personal consumer reports

( XXXX XXXX ), ( XXXX ), ( XX/XX/XXXX ), Content of Complaint this CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency, Block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX  XXXX open date XX/XX/XXXX Account # XXXX, XXXX XXXX Open date XX/XX/XXXX Account # XXXX, XXXX XXXX OPEN DATE XX/XX/XXXX Account # XXXX, XXXX  XXXX Open Date XX/XX/XXXX Account # XXXX, XXXX CARD XXXX  Open Date XXXX/XXXX/XXXX Account # XXXX, XXXX XXXX BANK XXXX XXXX XXXX XX/XX/XXXX Account # XXXX, XXXX XXXX BANK XXXX XXXX XXXX XX/XX/XXXX Account # XXXX, XXXX CARD SERVICES Open Date XX/XX/XXXX Account # XXXX, XXXX XXXX BANK XXXX XXXX XXXX XX/XX/XXXX Account # XXXX, XXXX XXXX BANK XXXX XXXX XXXX XX/XX/XXXX Account # XXXX, XXXX XXXX XXXX Open Date XX/XX/XXXX Account # XXXX, XXXX XXXX XXXX Open Date XX/XX/XXXX Account # XXXX, XXXX XXXX XXXX Open Date XX/XX/XXXX Account # XXXX, XXXX XXXX XXXX Open Date XX/XX/XXXX Account # XXXX. These account have resulted in several fraudulent hard inquiries and fraudulent collection appearing on my consumer XXXX credit report. All of the aforementioned account, Collection are the result of identity Theft and fraud. I have attached a copy of FTC identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit account and Collections are the result of identity theft and fraud.
Product: Vehicle loan or lease

Ive given the manager XXXX XXXX from XXXX XXXX. {$8000.00} car down payment. In XXXX and XXXX with. Car down payment. For my XXXX XXXX he. Only credited me for {$5500.00}. And the owner refuses to. Refund or resolve this. With situation. Stating that he only received {$5500.00} from his manager XXXX. XXXX XXXX is doing bad business. So I need your help. Please
Product: Mortgage

I was a XXXX  XXXX  customer in Puerto Rico, when they closed my mortgage was transferred to Banco Popular of Puerto Rico, at that time my mortgage was up to date and all payments had been made, when Banco Popular took over my payments had fallen behind to no fault of my own, it was due to the lack of information being provided by the new bank, when offering a one lump sum to pay it was much too high and they offered a loan mod XXXX XXXX, I had made my XXXX  payments but after they had told me we did not qualify since then we had many delays and problems in Puerto Rico, but now the new modification is well over XXXX XXXX XXXX  being added to my mortgage in undisclosed fee 's and who knows what, yet we still receive monthly statements of only {$300000.00}
Product: Checking or savings account

I opened a checking account ONLINE yesterday with Citibank. Per my instructions, they've already taken money out of another account ( from a different bank ) to fund my new Citibank checking account. However, when I opened the new checking account, Citibank only furnished me with the last four ( 4 ) digits of my new Citibank checking account number. In order for me to register to have access to this new checking account, Citibank requires me to have the full account number ( not just the last four digits ). I've called Citibank on the telephone ( having to hold for up to 20 minutes before someone answers ) several times and Citibank will not give me the full account number. They just transferred me to different departments ( like credit cards ) that has nothing to do with my checking account. Citibank is the worst financial institution I've ever dealt with.
Product: Mortgage

In XXXX of XXXX  we placed our house in a Trust. At That time XXXX XXXX XXXX  XXXX, our mortgage company placed the loan documents/house in the trust. When we refinanced the loan to XXXX XXXX we forgot to place Loan documents/House in the trust. After that the loan was acquired by Mr. Cooper ( loan # XXXX ). I have been working with Mr. Cooper Since XXXX to get the loan/House placed back into the trust. Over 25 communications!! I have sent all 52 pages of our trust and our tax bill which indicated its in the trust. They keep sending me form letters or calling saying they need all the pages of the trust. We have sent them our complete Trust. The same Trust that got the House in the trust in XXXX. I though we were getting things done, until last friday when i got a call from a guy named XXXX at Mr. Coopers who told me " they needed all the papers from the Trust ''. They never ask for anything specific. Attached you'll find, Form Letters, History, Tax doc showing House in Trust and loan info. Thanks for your help. If you need anything else, Please let me know, XXXX XXXX
Product: Mortgage

I live at XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX. My name is XXXX XXXX. Ive been living here for 16 years. The loan was originated with XXXX XXXX XXXXXXXX. I feel behind or I try to file bankruptcy but it got dismissed in XXXX. I did not complete the bankruptcy, so I was still behind then XXXX XXXX XXXX was supposed to have sent the loan to Celine finance so all of the year and something they sent the one there I was trying to modification with them. I never could get through to Celine finance that supposed to be house in Texas so now theyre trying to foreclose they found paperwork in XXXX XXXX XXXX XXXX XXXX, XXXX. I need some assistance. Im trying not to lose my home, but it doesnt seem like theyre trying to work with me. Theyre trying to say that Im behind 54 payments with Celine finance. They only have had the account for a year and a half. If you could please help me I would greatly appreciate it. My phone number XXXX thank you. I have also contacted Americans with XXXX act. XXXX on XXXX. Ive been on XXXX for at least 10 years. I also work jobs to compensate for my income.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

1. REMOVE ALL INQUIRIES THAT ARE NOT ATTACHED TO MY ACCOUNTS 2. UPDATE AND SUPPRESS NEGATIVE INFORMATION 3. UNLOCK AND UNFREEZE ALL MY ACCOUNTS AND SEND ME THE CORRECT LOGIN OR RESET TO MY EMAIL WHICH IS REGISTERED TO YOUR SITE. XXXX AND XXXX WILL NOT LET ME LOG IN EVEN WITH THE RESET. I AM REGISTERED FOR ALL, THIS IS UNBELIEVABLE. please update and suppress negative information, and inquiries that are not attached to any accounts XXXX. REMOVE THE FRAUD STATEMENT FROM ALL MY BUREAU REPORTS. IF I AM ABLE TO LOGIN THEN I WILL LOCK THEM MYSELF YOU ARE IN VIOLATION OF XXXX5 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) Read A and 2 Accounts not reporting across all bureaus. incomplete account number, inconsistent. Please remove for inaccuracy, no knowledge of this account, no contract with this company My name is XXXX XXXX My addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My phone numbers XXXX XXXX XXXX
Product: Debt collection

I receive a summons from court from XXXX XXXX XXXX XXXX. The company has a very aggressive collection tactics. I do not owe the balance. I did not know of the situation until I was serve a summons. I am asking for this company to stop their collection tactics and their abusive collection practices. This company needs to be placed out of business for their illegal collection practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and seen an account that doesn't belong to me. It says " APPLE CARD-GS BANK ''. I never applied for this card or had this card ever in my life.I don't know who has my information and I am stressed out! I need this removed from my credit reports immediately!!!!
Product: Vehicle loan or lease

XXXX approved my car auto loan on XX/XX/XXXX also took my down payment and I already signed the contract. Then today XXXX they terminated the contract and never returned my down payment. they are thief.
Product: Checking or savings account

On XX/XX/2019 {$2000.00} dollars was stolen from our Chase bank account. I suspect it was a result of software that was used to gain access to our PC and the passwords stored in our computer registry. The transactions were paid out using a Chase bank application ( XXXX  ) to another chase account. 

After speaking with the representative on the phone ( who said they would start an investigation ) I started doing some internet searching on the company XXXX, involved in the fraud. There is more than can be read on this issue, but most draw the same conclusion. Whether authorized or not there is no protection against fraud. I am fairly certain that Chase Bank will inform us the {$2000.00} will not be covered under their fraud protection. However, we have never used this app and would have never known about this app if I didn't discover that we have been victims of fraud. If Chase bank did not have this application available on the online service we would have never lost money from our account. This is partly the responsibility of Chase because of the relationship they have with XXXX and they have forced it into user accounts without permission of the client / customer. Anyone can used their application to send money without the customer 's permission if the account information is compromised.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I had filed complaints to the XXXX bureaus ( TransUnion, XXXX and XXXX ) on XX/XX/2022. The bureaus received the complaints but have not taken off the Unverified information from my report. 
I have also filed an Identity theft with FTC with the reference number XXXX. The Bureaus are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of their first investigation, they stated in writing that they verified that these items are being reported correctly without indicating who verified the accounts. I would like to know who verified these accounts. 
The Bureaus have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to delete all information that can not be verified.
Product: Credit reporting or other personal consumer reports

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX Balance Owed : {$720.00} XXXX XXXXXXXX XXXX Balance Owed : {$5600.00XXXX XXXX XXXX XXXXXXXX Balance Owed : {$430.00} XXXX XXXX XXXX Balance Owed : {$5600.00} XXXX XXXX XXXX Balance Owed : {$3300.00} XXXX XXXX XXXX Balance Owed : {$1600.00} XXXX XXXX XXXX Balance Owed : {$5000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX. # XXXXviolated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX and I feel very stressed out! because my credit reports are in accurate, please! I need these accounts to be removed to help me move forward with my life! 

In accordance with the Fair Credit Reporting act XXXX  Account has violated my rights 15 U.S.C 1681 Sectiqn 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX : Account numberXXXX XXXX XXXX XXXX XXXX : Account numberXXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I would like to address the ongoing issues I have been experiencing with the credit reporting agencies. I have previously filed complaints with XXXX XXXX XXXX, TransUnion, XXXX, and XXXX, providing them with the following complaint reference numbers : XXXX for XXXX XXXX XXXX XXXX XXXX for TransUnion, XXXX for XXXX, and XXXX for XXXX XXXX 

Despite my repeated efforts to resolve the matter, these credit report companies have failed to take appropriate action to address the fraudulent and inaccurate information present on my credit reports. I have encountered frustrating stalling tactics and inconsistent responses from their representatives. Despite being advised to submit my FTC report for identity theft, no meaningful action has been taken by the credit bureaus. 

As a result of their negligence, I have faced significant hassle and defamation. I firmly believe that I am entitled to fair compensation for the distress caused by these inaccuracies. I have enclosed all the correspondence I have received from the credit reporting agencies, along with my FTC & CFPB reports and identification documents. I am demanding the immediate removal of all fraudulent and inaccurate information from my credit reports.
Product: Credit card or prepaid card

I purchased two ( XXXX ) Visa Vanilla prepaid credit ( gift ) cards earlier today XX/XX/XXXX with the intent of using them as early XXXX presents for a friend. However, after getting home, I realized that these cards could not be used for online purchases ( this was nowhere in the fine print ). Since my friend does practically all of his shopping + personal finance online, I tried two things. First, I attempted to use the vanilla cards with XXXX to transfer the balance to my own bank account ( i.e. effectively refunding myself, less the activation fee ). This did not work because XXXX blocked the transaction, which also confirmed my friend 's claim that these cards do not work with online purchases. Second, I attempted to just buy a gift for my friend with these cards at XXXX where the purchase was blocked for unspecified reasons. 

I repeatedly tried to call the number provided for assistance but the only options were pre-recorded responses, making it impossible to even try fixing the situation. At the time of filing this complaint I can not even check the balance on the cards, which makes me suspect retaliatory action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received charges of {$26.00} on both XX/XX/XXXX XX/XX/XXXX on my credit card for a monthly membership that I never signed up for. I was able to cancel the " membership '', but unable to recoup the money already charged without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Financial Assistance Collection agency is currently reporting a collection on my credit report for the amount of {$990.00}. I understand that as a consumer it is my right to challenge items on my report that i believe is incorrect therefore I sent out a second round of a debt validation letter asking the agency to prove to me that this debt is mine n XX/XX/2018. I sent this letter certified mail with a return receipt and have seen that this company have received my dispute but has yet to answer me and it has been over 30 days. They also have not updated the account to say that i am currently disputing this item which is a violation on their behalf.
Product: Mortgage

my ex husband and his lawyer sent a subpoena to my mtg company for my application, payment history etc and seterus gave it to them, this is not a court order just a request from my ex husband who is not on my loan and never has been the home is in my name only and bought before we were married, my ex husband now has all my personal information and mtg information this was given to him in XXXX 2015 I just found out he had this information because he used it in court for our divorce / custody battle we have now. I do n't think he has the legal right to this information and that seterus committed third party disclosure of my info. had a court or judge ordered this I would understand but none of that was done. even the judge was shocked he had this information.
Product: Credit reporting or other personal consumer reports

I am reaching out to address a critical matter concerning XXXX XXXX inaccurate reporting on my consumer report, disseminated by XXXX, XXXX, and Equifax, which I believe constitutes violations of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681s2.

The FCRA clearly states in 15 U.S. Code 1681s2 ( a ) that furnishers of information to consumer reporting agencies have a " duty to provide accurate information. '' The law prohibits the furnishing of any information " if the person knows or has reasonable cause to believe that the information is inaccurate. '' Moreover, the Internal Revenue Service ( IRS ) regulation is explicit, stating, " Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return. '' It is crucial to note that the IRS defines a charge-off as gross or ordinary income, emphasizing that " income does not get reported on the consumer report. '' Thus, any reporting of this account as a debt is inaccurate and in violation of IRS regulations.

I urge the immediate correction of the account status to reflect " closed and paid as agreed. '' Additionally, the reporting of Charge Offs across all three credit reporting agencies by XXXX is inconsistent with 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ), which prohibits the furnishing of inaccurate information. The law specifically 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. '' In XX/XX/2020, I sent a dispute to XXXX, EQUIFAX, and XXXX yet XXXX XXXX XXXXXXXX and EQUIFAX are still reporting it on my consumer report, which is violating my consumer rights. 

The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living, and my ability to obtain credit for personal and house purposes. It has damaged my livelihood. 

In light of the above, I formally request a method and mode of verification for each credit reporting agency to rectify these inaccuracies promptly. 

I appreciate your attention to this matter and trust that the Consumer Financial Protection Bureau will conduct a thorough investigation to ensure compliance with consumer protection laws. 

Thank you for your time and consideration.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX an acquaintance said he would send me XXXX dollars from his bank to mine and to send the money to him through his XXXX. I received the money and sent said money to his account. Today on XX/XX/XXXX I received a XXXX dispute for {$450.00} leaving my account at $ XXXX. After calling chase they said they could not do anything due to me sending away a fraudulent amount that I had no idea was fraudulent they said they couldnt do anything and that I would owe XXXX
Product: Mortgage

This is the XXXX complaint against NationStar the continuously reply back extending the time to get back with me. Now I am finding that since XX/XX/XXXX when I purchase my home and later XX/XX/XXXX Nationstar bought the loan no one recorded my deed of trust nor did they record my Modification nor did they tell me that I had a second lien, after several times asking. it appears the modification was never recorded and the original deeds still remain. Since I have this XXXX, w hat happen if I foreclose or short sell. They also told my Realtor the same story I only have ( 1 ) lien with them. Later I 'm thru HAMP and HUD is taking part of my loan so yes I do have a ( XXXX ) lien. Please help, I do not want the home and trying to short sell, but I am afraid of being sued. I have medical bills, divorced and the house was damage XXXX XXXX and insurance only paid a fraction of the damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account XXXXDept of Ed XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any account which was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX  XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Product: Money transfer, virtual currency, or money service

NFCU was given a IRS form 1099A, 1099C, 1096 and 1040V, to discharge debt of Promissory Note. NFCU transferred my Promissory Note to a Loan. NFCU branch mgr XXXX, knowingly and admitted to not filing, and will not file. The branch mgr also has my security agreement then closed my checking acct. I am looking to file discrimination charges, along with unethical banking practices
Product: Checking or savings account

Money was transferred from my other account to this account that I did not do many times. I wrote two XXXX XXXX dollars checks that turned into XXXX XXXX dollars chech.
Product: Mortgage

I was lied to and was not aware of my rights to modify my loan my only option they gave me was to do a short sale to avoid foreclosure and possibly jail time I trusted my agent who happens to be my cousin XXXX XXXX i lost my life my hopes and dreams. XXXX XXXX XXXX as my lender was clear water
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/23 XXXX and equifax failed to removed inquires and negative listed things of credit reports that were unauthorized and they have also stated that have disregarded my initial complaints have not removed what i demanded as fraud