23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX on XXXX, XXXX under the account number ( XXXX ), a personal loan account opened at XXXX on XX/XX/XXXX under the account number ( XXXX ), a personal loan account opened at XXXX XXXXXXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), and a collections account opened at XXXX XXXX on XX/XX/XXXX with a balance of $ ( XXXX ) that appears related to the aforementioned Credit Card account opened at XXXX. a collections account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX with a balance of $ ( XXXX ) that appears related to the aforementioned Credit Card account opened at XXXX XXXXXXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

XXXX this account showes closed on my credit report and it dosent belong to me it belong to someone who has same name in the familly
Product: Debt collection

I received a live check in the mail from Republic Finance and I didnt cash it. It was picked up by a family member and deposited into her account without my knowledge. I disregarded correspondence with this company because I assumed it was junk mail. Around the time they started legal action against me for a wage garnishment I was the primary XXXX for my XXXX XXXX  mother. I dont remember even receiving a court summons. My Mom eventually succumbed to XXXX XXXX and I went back to work and was surprised to find a big chunk of my pay missing. I have repeatedly informed this company that I didnt cash this check and this garnishment is causing me such extreme hardship that my utilities were disconnected and my XXXX year old daughter didnt get anything for XXXX. I cant afford to wait on them to keep investigating.
Product: Mortgage

I went into a Covid forebaerance and I was granted 3 months this started in XX/XX/2020. When the plan was up the but the small amount onto the back end of the loan and advised me to start making my new payments. My loan adjusted and the payments went up over 4,000 per month. I was told to submit a modification package to see if they could help lower the payment. I requested the modification and sent in all the papers. The first time I submitted they came back saying that the mortgage was ineligible because the current unpaid principal balance on my loan was higher than the program limit. I did a appeal asking why you had me submit a modification and wait over 50 days to hear this answer. I received the appeal response and was told try again in 30 days. We submitted again and then got another response stating that based on the delinquency of the account they could not modify my loan. They knew the delinquency yet still put us thru another review. We were called several times and told to resubmit again we also received letters asking up to resubmit our Mod. We did this several more time at the request of SPS. Each time would drag out the process 30 or more days. I sent a letter to SPS request Why I was not given the right answers and also why they kept asking me and sending me packages to submit for a Mod but they would not respond. Under each plan that would be offered I was turned down for with only a short line response. I requested the full investor guidelines for my review and I requested the proof that the investor had turned down my requests. They also did not do the correct income figures which was 4000 less than my true income. I want all phone records as that way I can prove how many times they asked me to submit a Modification request. I was given the run around for months. SPS would come back and request More and More documents.
Product: Debt collection

On XX/XX/XXXX I received a notice from the debt collections agency Rash Curtis Associates, that I owed {$1200.00} on a medical bill from XX/XX/XXXX. I wrote back to them immediately ( so well within the 30 days cutoff ) that I requested validation. They sent me back on XX/XX/XXXX another collections letter that showed no more information than the initial letter. I wrote them a letter requesting more information and that their response to my validation request was not sufficient because I was trying to get enough information to correspond with my insurance and verify this or any amount was in fact due. They did not respond to this letter, but put in a negative report on my credit and sent me another collections letter with no additional information in the second week of XXXX, sorry I don't have the exact date that most recent letter is not with me at this moment. 
I sent all my letter registered mail and they signed for receipt of them and I have copies of all communications they sent to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have attempted multiple times to submit Freeze on Equifax website, following their online instructions. When I attempt to submit I get a message telling me that I can not submit a Freeze at this time. 

I have attempted to call equifax and can only get to a voice message that instructs on how to get a Credit report & how much it will cost.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised. I found out because XXXX XXXX  sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report. XXXX XXXX {$260.00} XXXX XXXX  XXXX {$230.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted disputes and a FTC report for fraudulent accounts and hard inquiries on my credit report. 

XXXX - Inquiries : XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Accounts : XXXX XXXX XXXX {$2600.00} XXXX XXXX XXXX {$330.00} XXXX XXXX {$650.00} XXXX XXXX {$650.00} XXXX XXXX {$1000.00} Transunion - Inquiries : XXXX XXXX XX/XX/XXXX XXXX To XX/XX/XXXX 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 XXXX XXXX XXXX XXXXXX/XX/XXXX Accounts : XXXX XXXX XXXXXXXX {$1600.00} XXXX XXXX  {$650.00} XXXX  XXXX  {$1000.00} XXXX - Accounts : XXXX  XXXX  {$650.00}
Product: Debt collection

XXXX  XXXX XXXX XXXX XXXX, has not honored my cease and desist telephone communications requests. Several times in XX/XX/2019 specifically, XX/XX/XXXX, and XX/XX/XXXX, I had rather intimidating and belittling phone calls with a representative ( Id # XXXX ), who used demeaning and aggressive language towards me. On one of the calls, she instructed me to get a prepaid card ( on which I would accrue monthly fees ) in order to make a payment and when I asked her if there were any other options available to me, she reiterated that if I did not make a payment within 30 days of receiving the notice of wage withholding, my wages would be garnished through an administrative garnishment. 


Under the threat of an administrative garnishment, not having the money, feeling belittled by XXXX, and based on the threatening and condescending manner with which they spoke to me, I purchased a prepaid card in order to make the payment and enter into an arrangement for subsequent monthly deductions from the card. XXXX collected money from me in order to execute the agreement. However, on the same day that I made the payment, prior to providing XXXX with my card information, I requested that they provide me proof that I owe the debt because I could not find documentation it based on a review of my personal records. 


Today, XX/XX/2019 I again received several calls from a number that XXXX called from onXX/XX/2019. On the XX/XX/2019 call, I told the representative that I requested that they stop calling me a few months ago and that I only wanted letter communications. Also, todayXX/XX/2019, XXXX sent me an email about the debt. It has become unbearable. 


Also, I spoke with XXXX, the federal student loan servicer, to ask if XXXX  was collecting on their behalf and the XXXX   representative said " no, '' which increased my suspicion of XXXX   XXXX began each call with me by stating that " they've been hired by XXXX '' to collect, which caused me a lot of stress. 


I ask that all the calls connected to the account on which XXXX is attempting to collect be reviewed. In those calls, you'll find evidence that : - I requested that XXXX  not call me ; - My communications with XXXX reps were abusive ; - XXXX reps deceptively represented to me that they were hired by XXXX  to collect the debt ; - XXXX used the threat of garnishment to take a payment from me before providing me proof that I owned the loan ; and - XXXX may have committed other violations of consumer protection laws and infringed on any rights granted to me under those laws.
Product: Credit card or prepaid card

I have had a Bank of America credit card for 42 years. I have paid my bill in full every month while I've been a card holder. At the end of XXXX I noticed 4 charges made in XXXX in euros totaling XXXX. I immediately called BOA to report the charges and cancel my card. They opened a fraud case and issued a temporary credit to my account on XX/XX/XXXX. On XX/XX/XXXX I received a letter stating that they were unable to approve the fraud. I then spent over 15 hours on hold talking to different fraud representatives over the next several weeks. They explained that my card was used chip on chip to make these purchases. When I showed them that on those same exact dates I was buying gas, groceries, pet supplies etc. in my home town of XXXX XXXX WA with the same credit card they agreed that it wasn't possible for me to have made those purchases in XXXX. ( I was never notified by BOA that my card was being used out of the country. ) They asked me to file a police report which I did. The officer I spoke to said he couldn't believe they were making me do this. After getting no results from speaking to representatives I wrote a letter to BOA asking them to look at the charges I made on the same dates as the fraudulent charges. added all the names and dates of the associates I had spoken to. I also pointed out that XXXX was shut down during the virus so it would not have been possible for me to have been traveling in and out of XXXX during that time. I also believe that most businesses were shut down on those dates. The charges were on XX/XX/XXXX at XXXX XXXX XXXX In for XXXX euros, XX/XX/XXXX at XXXX XXXX XXXX XXXX for {$3000.00} Euros, XX/XX/XXXX at XXXX XXXX XXXX for XXXX euros, and on XX/XX/XXXX at XXXX XXXX for {$6400.00}. I also let them know how difficult it was to feel like I'm being treated like a criminal after 42 years of being a loyal cardholder. Today I received a letter stating that they had re evaluated my dispute and that I am still responsible for the charges. I'm now feeling like a need to hire a lawyer to fight these ridiculous and huge charges. I am a very honest person and this has caused me enormous stress and anxiety.
Product: Checking or savings account

I Have been trying to resolve funds stolen from my Chase bank account for almost 2 years now and have had no joy, Chase has made it impossible for me to communicate with a person or account manager as I am based internationally.They asked me to provide a US based address to send the first part of the claim which I have done and have yet to receive the check they promised.They have responded to my complaint previously on cfpb but no action on there part has been forthcoming I am out of pocket for almost {>= $1,000,000} and want my money returned.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, ACCT NO.XXXX IS FRAUDULENTLY APPEARING ON EQUIFAX , XXXX  AND XXXX REPORTS. 

XXXX XXXX IS THE THIRD COLLECTOR IN A ROW FOR THE SAME XXXX DEBT, THE ORIGINAL CREDITOR. 
THE PREVIOUS TWO COLLECTORS XXXX XXXX AND XXXX XXXX   WERE DISPOSED OF PREVIOUSLY BY CFPB COMPLAINT AGAINST ALL 3 BUREAUS.I HAVE ATTACHED XXXX CFPB COMPLAINTS BUT ALL 3 BUREAUS RECEIVED THE SAME COMPLAINT AT THE SAME TIME AND ALL 3 BUREAUS DELETED
Product: Checking or savings account

I am writing to formally file a complaint regarding multiple overdraft fees applied to my account. These fees were assessed despite having sufficient funds available at the time the transactions were authorized. 
However, due to delayed posting of charges and credits, was unf ily charged overdraft fees. 
This issue appears consistent with recent findings by the CFPB, which identified similar practices by Navy Federal Credit Union, where transactions settled with insufficient balances despite initially having adequate funds. I believe these practices are deceptive and unfair
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately :XX/XX/5426
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying for about two years to get this account off of my credit report. I have contacted XXXX XXXX twice, they have sent me two different letters stating that they have contacted the three credit bureaus to have this trade line removed from my credit report. 
It still appears on all three reports! 
This a a fraudulent account that is affecting my credit score.
Product: Credit card or prepaid card

On XX/XX/XXXX our debit card # and pin was used at a convience store an hour from us to do a balance inquiry. Following the inquiry a charge was made at a XXXX XXXX XXXX for {$250.00}, this location was an hour away from where we live. The following morning XX/XX/XXXX i noticed the transactions and notified BOA. We filed a complaint and let them know that we had the compromised card in our posession. They filed a claim and closed out the card and issues a new card. They refunded the money {$250.00}. Today XX/XX/XXXX we receive a letter stating the claim was closed and no error was found. We contacted the bank to get details on how the decision was made and they would not give any details other than because a pin number was used it was found bot to be an error. Now they are taking the money back out of my account. My account should be protected and I should not have to verify I am not a liar for a charge made in the middle of the night an hour feom my home. Furthermore if investigations were made I should be able to get the information guven to me on how they investigated not that they just assume a dispute because a pin number was used. I tried to contact the store myself but they were not helpful.
Product: Debt collection

copy of my letter to collection agency and XXXX Re : XXXX XXXX : XXXX, XXXX  XXXX Sir/Madam I hope this letter finds you well. I am writing in response to the claim you have filed against me regarding the return of a vehicle leased from XXXX. I would like to address each of the points you have raised as follows : XXXX. The car was in legal compliance with the state of New York 's Department XXXX XXXX XXXX regulations. It met all the necessary requirements, including but not limited to registration, inspection ( which includes tire conditions ), and insurance. I have upheld my responsibility in ensuring that the vehicle was following the applicable laws during the term of the lease. 

XXXX. All the tires on the vehicle were in good shape. In fact, I had provided photographic evidence of the tires ' condition to XXXX prior to the return of the car. The tires were properly maintained and met the safety standards set forth by XXXX. The vehicle had only XXXX miles after 3 years. 

XXXX. At the time of return, XXXX accepted the car without stating any issues with the tires or any other aspect of the vehicle. If there were any concerns regarding the condition of the tires, it is reasonable to expect that XXXX would have communicated them during the return process. However, no such communication occurred, and I proceeded with the return based on the acceptance of the vehicle by XXXX. 

XXXX. It is important to note that XXXX requested the return of the vehicle to a specific location, which was not originally agreed upon in the lease agreement. As a result, I incurred the loss of a day 's work to fulfill their request and avoid any further complications. I acted in good faith and followed XXXX 's instructions, which resulted in financial and professional inconvenience for me. 

XXXX. I understand my claim for lost wages resulting from the decision to return the car to a location outside of the lease agreement. However, it is crucial to recognize that this decision was made at the request of XXXX, and I complied in an effort to address the situation efficiently. As a result, I incurred financial losses, including additional expenses and the time taken away from work, which directly impacted my ability to earn wages during that period. 


XXXX. Based on the aforementioned points, I firmly believe that the claim against me is without merit. I kindly request that you reconsider your position and withdraw the claim. If you persist in pursuing this matter, I will be left with no choice but to take legal action against XXXX and XXXX, XXXX XXXX. Please be advised that if the claim is not withdrawn by XX/XX/2023, I will proceed with filing the necessary legal action. 

Thank you for your attention to this matter. I trust that we can reach a fair resolution without further legal action. Please contact me at your earliest convenience to discuss this further.
Product: Debt collection

Sent AFNI a certified notification to verify the debt they claimed I owed, and they never responded to the letter.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

I am writing to dispute fraudulent accounts that have appeared on my credit report. Unauthorized accounts have been listed under my name, specifically the XXXX XXXX XXXX XXXX account ending in XXXX and XXXX XXXX XXXX account ending in, marked as fraudulent.
Product: Credit reporting or other personal consumer reports

I have approved for burrowers defense case. I have been approved to have all my loans discharged. XXXX XXXX XXXX sent me a letter XX/XX/2023. Verifying all my student loans have been discharged. In the letter they indicated they need XXXX days to delete ALL STUDENT LOANS FROM ALL XXXX CREDIT BUREAUS. I HAVE MULTIPLE DIRECT DISPUTES WITH THEM YET THEY ARE REFUSING TO FOLLOW THE LAW. I NEED THE TOTAL OF {$14.00} DELETED FROM ALL XXXX CREDIT REPORTS. XXXX LOANS NEED TO BE DELETED FROM MY CREDIT FILES.
Product: Credit card

Hello, On XX/XX/2023, I was scammed out of {$3700.00} by a company that forged my signature. I reached out to where I thought this company was based XXXX XXXX XXXX  to challenge the charge through the XXXX  Attorney General 's office, who provided me information that the company used a spoof number, and several front companies to hide their transactions. I filed a dispute with Citi, who initially returned the charge. They then sent me notice that the charge is valid by showing me a document I did not sign ( with a signature on it ). Citi then " told '' me I have XXXX XXXX to respond, but I never got any paperwork on the matter until the XXXX XXXX had long past. I have field complaints across several platforms in hopes of having the money returned to me.
Product: Student loan

I just made a payment in the amount of {$520.00} on XX/XX/19 - it is due XX/XX/XXXX ; the company site shows the payment as processing with a {$0.00} due at this time. I received an email just now from them indicating my payment is due soon and that the amount is {$1800.00}. 

Also, when I have received several emails about re-certifying my income-sensitive repayment which I have done also - through their site. I have serious health issues & am trying to start to make payments however this extremely upsetting & far more stressful than just deferring.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent account on my credit report. XXXX XXXX Bank account that is inaccurate and does not belong to me. I added the phone number that the account belongs to XXXX however my number is XXXX. I need this resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has placed 2 disputes on my account and has wrecked my credit score to poor claiming i am delinquent over {$7000.00} on my account. I am completely up to date with my payments and have {$98.00} payment due in XXXX. This is totally unjustifiable XXXX on my credit history and as a XXXX XXXX XXXX woman this is a horrible disruption in my life as I have new large bills to pay and absolutely do not welcome this extraordinary stress.
Product: Checking or savings account

On XXXX I unknowingly overdressed my account by XXXX cents. On Tuesday XXXX a {$50.00} deposit had funds available, at XXXX XXXX I double checked my account balance then went to get groceries. On the morning of XXXX I woke, checked my account and saw that I was charged an overdraft. I called the bank, the representative explained to me I overdrew my account by XXXX cents on Monday. Overdraft fee # 1 was charged on XXXX ( which must have been after XXXX XXXX, because I checked my account and went to get groceries ). She then told me that another overdraft fee is going to be posted to my account because I used the funds from overdraft # 1, which then overdrew my account again and set me up for overdraft # 2. I asked if there was anyway I could dispute these and the domino effect that is following, she explained there was nothing I could do and then went on to sell me all the overdraft services. I 'm upset that XXXX cents is costing me {$70.00} and I 'm upset that if an overdraft fee is charged, it 's not posted in a timely manner or that I 'm not notified in a timely manner so I can avoid future charges and the domino effect that could happen.