23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I already complained to XXXX because they added this to my file without notifying me. I asked for a verification and all they sent me was a vague letter with 6 months of bills for 4 phone lines when I only had 2. According to the CFPB there criteria which are required by law when sending a notice like this. 

The name of the creditor The amount owed That you can dispute the debt That if you dont dispute the debt within 30 days the debt collector will assume the debt is valid That if you dispute the debt in writing within 30 days the debt collector will provide verification of the debt That if you request the name and address of the original creditor within 30 days, if different from the current creditor, the debt collector will provide you that information. 

The last bullet point wasn't included on this vague letter. I received the letter on the XX/XX/XXXX and it has been over 5 days. XXXX XXXX is required by law to clarify that within 5 days of initial contact. 

I have attached the letter for verifcation
Product: Credit card or prepaid card

I received Certified Mail from Synchrony Bank, on behalf of Lowe 's,  saying I had a past due balance of $ XXXX on a Lowe 's Credit Card account that I never opened. Rather than calling the number on the document that was sent to me in the mail, I called the customer service number on the Lowe 's HQ website, and was directed through their system to the fraud department. They claimed that an account was opened in my name in XXXX, and that they closed it while on the phone with me once it was reported as fraudulent. They were not able to provide me a Confirmation Number, but said that I should receive a letter in the mail confirming the above on the next 7-10 days. They said the account will be reported as fraudulent and will thus be deleted from my credit history, but to the best of my knowledge, that action has not yet been completed.
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 how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that 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, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX  XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

On XXXX XXXX I paid {$100.00} for a XXXX  with XXXX XXXX XXXX. Unfortunately it was not a XXXX, the dr did not even look at the area I wanted the XXXX  XXXX done on, did not answer questions, this was not a XXXX. I sent an email with questions and concerns to XXXX of XXXX XXXX XXXX on XX/XX/2020. XXXX replied on XX/XX/2020 stating that they would issue me a full refund for {$100.00}, did not want to work with me on my XXXX. See her email below which I have attempted to share with US BANK for dispute claim : From : XXXX XXXX Sent : Thursday, XX/XX/2020 XXXX AM To : XXXX XXXX  < XXXX XXXX> Subject : Re : Additional questions XXXX, After speaking with Dr. XXXX and staff, I believe it would be mutually beneficial to terminate the physician/patient relationship between our office and yourself and that you locate a new physician for treatment. You may contact our front desk and we will issue you a full refund for the {$100.00} consult fee you paid to your original payment method. 
Sincerely, XXXX XXXX  Manager XXXX XXXX  XXXX ( XXXX ) XXXX I disputed the {$100.00} charge with US Bank on XX/XX/2020. US BANK issued {$100.00} provisionary credit and did not indicate that I would need to follow up with them, just explained that they would investigate dispute. 
On XX/XX/2020 US BANK to my surprise with no explanation reversed the {$100.00} provisionary credit. I called US BANK and spoke with a supervisor named XXXX who explained that I never provided completed form that they needed. I explained I never received any form to fill out. XXXX said he would send the form via US mail. I waited and the form never came. 
At this point on XX/XX/2020 I reached out to the dreaded XXXX at XXXX XXXX XXXX asking that she issue refund as promised because my dealings with US BANK were an awful runaround, dead end, nothing was being solved. XXXX said she would issue check if I removed negative review I posted about the XXXX XXXX XXXX. The check never came, she lied. 
I called US BANK again on XX/XX/2020 asking for the form, for ways to get my {$100.00} back and the rep told me my dispute had expired. I asked to speak with a supervisor and he said he would have one call me back. No one ever called. 
On XX/XX/2020 I called US BANK again asking for help with this dispute. I spoke with XXXX, a cardmember service rep and no resolution was provided, I am still owed {$100.00}, have not been given proper opportunity to provide proof that this dispute is valid.
Product: Debt collection

Vance & Huffman LLC, XXXX XXXX XXXX, # XXXX XXXX, VA XXXX ; on XX/XX/year> they did a hard credit inquiry on my credit account ( causing my XXXX XXXX to go down ) and they have called me after I notified them to cease all communication with me and any other entities pursuant to the Fair Debt Collection Practices Act, Sections XXXX through XXXX.
Product: Payday loan, title loan, personal loan, or advance loan

There was an account created for my old phone number and social security number but the wrong email address. When I try to update the phone number it sends a verification code to an email address that is incorrect. I cant update any information or log in to my account. It will not allow me to update my email address either. The last point of contact was in XXXX of 2023 promising that I would be able to update it. I still CAN NOT update any account information due to the phone number and email address being incorrect.
Product: Credit reporting or other personal consumer reports

I 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, who's studying XXXX XXXX, helped 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 if you could assist in removing the following from my credit report. these are the accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

They didnt have no papers with my signature on them nor sent any paper forms. Additionally they call everyday different numbers, and I receive messages saying they will send it to a law office in my state to sue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called and email Equifax my driver 's license and social security card and paycheck stub with all of my person information on it, I have an twin sister whose information is on my credit report, I don't own a home but her mortgage is on my credit report and some of her other bills.
Product: Student loan

My Direct Loan was originally serviced under XXXX. I submitted my final XXXX in XXXX of XXXX and my employment was approved for XX/XX/XXXX to XX/XX/XXXX. My eligible counts were initially updated with XXXX and then there was a long delay with the transfer to MOHELA. In XXXX of XXXX, I received notification that I had 124 of the necessary 120 qualifying payments and my loan was eligible for discharge. In XX/XX/XXXX, my counts were further updated to 175 qualifying payments. However, now 6 months later, my loan has still not been discharge. My service provider, MOHELA, says that the delay is dependent on the FSA. I have filed a complaint at the FSA to get more information but the FSA has repeatedly redirected me to MOHELA. 

This delay is far in excess of the typical 90-business day that both MOHELA and the DOE state are their typical time for inquires or reviews. I am certainly frustrated that my loan hasn't been discharged after I was told it was eligible for forgiveness, but my main reason for this complaint is that I am unable to get any information about the reason this review is taking longer than expected and whether there is problem with the application. MOHELA tells me the problem is at the FSA. FSA tells me the problem is with MOHELA. I am unable to get any answers.
Product: Credit card

report on XX/XX/XXXX XXXXXXXX  that inquiry about a JPMCB card on my credit report. 
want to file an unauthorized inquiry form
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several credit inquiries from multiple companies on XXXX XXXX, XXXX. I contacted the credit bureaus to dispute them and was told I would need file a police report and to contact the companies, which I did XXXX all they could tell me that my information was in their system ). I asked why I would need to file a police report for an intangible issue and that no credit was issied, Just an unauthorized inquiry. The information is still on my report and i cant get any help from the bureaus or the companies. XXXX -XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX, XXXX XXXX XXXX 

Experian replied to a recent complaint references a different account that was open by my on the XXXX for a personal loan. These inquires are not with the company I acquired my loan with and I did not authorize them. I request Experian to validate again these inquires as they are not open accounts and were authorized by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting a tradeline that I never applied for to my consumer credit file. I never authorized an account with XXXX XXXX nor was I aware that an account was ever opened in my name. XXXX XXXX is in violation of the FCRA by reporting this tradeline to my consumer file as I never agreed to any line of credit with XXXX. In accordance with FCRA Section 609 I am requesting all contractual documents stating and proving that I am responsible for this account and that I agreed to and authorized such an account. I can not see any type of account number listed for the tradeline on my credit report. Remove this erroneous tradeline immediately as this is a complete violation of the FCRA. 

XXXX XXXX XX/XX/1980 XXXX
Product: Credit reporting or other personal consumer reports

I recently pulled my personal credit file as I am preparing to get business funding and have received multiple emails from a collection agency in regards to account ( s ) that do not belong to me. The employment info listed on my personal credit report is incorrect and i would like XXXX XXXX XXXX and XXXX XXXX XXXX removed from my employment info. I also see false addresses on my credit report and I need them removed ASAP to prevent important mail from going to the wrong address potentially causing significant issues with receiving mail. The only mailing address I use is XXXX XXXX XXXX XXXX XXXX FL XXXX and all other addresses need to be removed immediately. I do not live at XXXX XXXX XXXX or XXXX XXXX XXXX XXXX. There is also a collection from XXXX XXXX XXXX  that do not recognize ... this needs to be deleted or verified. Overall I see accounts with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that i am disputing with EXPERIAN as well again as they refuse to send me verification when requesting information from EXPERIAN or Accounts.
Product: Debt collection

Was garnished by attorneys for debate owed to capital one bank. Went to court about the garnishment and the attorney office agreed to a settlement of {$1600.00}. I paid debt to attorney office that said they represented capital one.XXXX was attorney office. At court proved I never received notice of debt or a garnishment so they had to stop all collection actions. However Capitol one continue to report on my credit debt. When I call them they refer me to the attorneys office number above. contacted negotiated a settlement and paid it. So the agreement was settled and paid as agreed is what should reflect on my credit report. Since Capital one knows I am trying to by a house they are intentionally affecting my credit. I have not had an account with them over 6 years now they are starting to have different collection agencies call and send me letters. Issues and matters are resolved and paid for. Capital one written the debt off and negatively impacting my credit when they gave another permission to falsely lie and say debt will be paid. I paid XXXX financial on XXXX who was to also report balance paid as agreed and zero out debt. paid them {$1500.00} paid capital one attorneys {$1600.00} I have called both places and asked to have removed and contacted XXXX and XXXX and XXXX to remove and dispute. i provided receipts this should be removed from my credit. Because they lied I was made homeless on XXXX because my wife and I sold our house relocated and had a home under contract when theses creditors did not keep there word adversely effected me. Capital one will allow an attorney to settle debt but still report the balance and sell the settlement to another collection agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see attached detailed letter outlining all issues. Original creditor ignored my initial telephonic and written inquiries regarding the debt.The statute of limitations has since run. 

It's fine to publish my letter. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm 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 611 ( 5 ) ( A ) of the FCRA - they are required to " ... .promptly delete all information which can not be verified. '' that I have disputed. Current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely PARROTING information received from other sources. That means that you can't just verify my account by telling me it is verified, or telling me you contacted the creditor and the account I disputed is Verified. I'm a victim of identity theft and I submitted a copy of Proof of Identity my Driver License, Social Security Card, Utility Bill, Federal Trade Commission Identity Theft Report Reference number : XXXX, XXXX XXXX Metropolitan Police Report No : XXXX and a copy of the Fair Credit Reporting Act Section 605B Please resolve this manner as soon as possible. Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' ... Please verify and remove the inaccurate accounts below I have already disputed with each bureau on XX/XX/2022 and XX/XX/2022 and they have not deleted the items below. 

Sec. 602 State... I have a right to privacy. 

XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Case Number : XXXX XXXX  XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting this complaint to inform you that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime.The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the identity theft. The following items listed below are unknown to me. 

XXXX XXXX XXXX XXXX XXXX : XXXX,
Product: Mortgage

The mortgage broker failed to provide accurate closing escrow numbers on loan payment, taxes and insurance. These number were also verified by the mortgage company before the closing. Almost 2 years later the mortgage company is claiming an error was made at the closing in calculating the escrow accounts which is resulting in a significant increase in my mortgage payment which I can no longer afford due to a fixed SS income. Investigation into these companies has revealed numerous complaints of the same instance of escrow fraud at closing.I have requested an investigation by the person handling the loan and he will not cooperate with me. My mortgage payment has gone from {$540.00} a month to {$710.00} a month which I can not afford.
Product: Debt collection

I got a letter on XXXX/XXXX/16 from Dynamic Recovery Solutions for a XXXX account that I 've never had. They say I owe {$410.00}. I checked my credit report a month ago and figured if I owed a debt, that this would be on there, but it was n't. Also, there is no information about this account other than it 's XXXX and the amount owed. There is no dates or information about the account, and the reviews about this company are n't too good - they 've apparently been scamming people.
Product: Checking or savings account

Wells Fargo Account from XXXX to XXXX they repeatedly charged me when things would draft out and do it twice sometimes. On occasion I could get it fix or reverse but not every time big one was every time car payment seemed to come out I was charged over draft fee also I had a credit card with Wells Fargo and I was charged excessive charges when I went over on my credit card then when it was frozen they kept increasing the interest even when I couldn't pay cause XXXX XXXX but I worked out a XXXX dollar payment weekly until I could finally pay it off but I paid much more that the original debt plus all money I paid during the payment the interest never stopped... 

XXXX XXXX
Product: Debt collection

, I received a alert on my XXXX and XXXX credit file. They are seeking a collection payment in the amount of {$1500.00} and {$770.00} from XXXX XXXX XXXX .I have not received any prior correspondence either via phone call or via mail from this agency concerning any type of debt to even validate or determine if it is indeed mine. I am unaware of any debt and absolutely have no contact with this company. This debt is not VALID. From This was placed on my credit report with no formal letter from XXXX XXXX.I have been a victim of identity theft. This is against the law to list on my credit report without a formal letter. I have sent them a certified Validation of debt letter on XX/XX/2021 and have not gotten a respond.
Product: Mortgage

Valon Mortgage company took over our mortgage and upon doing so we immediately ensured our homeowners was updated and that all declarations were sent. Our homeowners sent all necessary forms however we received a notice that we had no hazard insurance on our property and Valon would be seeking to purchase. We immediately called both companies on XX/XX/XXXX at which time the representative at Valon was unprofessional and refused to provide information. We had to hang up and have our homeowners call to reach another representative while conferencing with us to ensure payment as at this time it was past the XX/XX/XXXX due date. Our homeowners XXXX XXXX XXXX ( XXXX ) provided VAlon again ( after XXXX had done so in XXXX ) with the payment information and provided them via fax, over the conference call and email ( that we confirmed over the phone the agent received ) the overnight payment information. Valon was to overnight the payment from our escrow to our homeowners. Today XX/XX/XXXX we received a letter from our homeowners that it was not paid. Upon calling homeowners we were informed no overnight payment was made and I paid a portion to maintain our homeowners insurance over the phone. We called VALON and they said they sent payment standard on XX/XX/XXXX that would take 10-15 business days to process. This is grossly negligent and as a homeowner who has never missed a payment it is infuriating that we have no say in who manages our mortgage especially when they are negligent and deceitful. They were aware it had to be an overnight payment and assured us they would. We have spent hours now trying to remedy this solution and can now only hope they are being truthful and did pay our homeowners and it will process. This is poor business and homeowners deserve better. Our time is valuable and this took time out of an already busy work day. If I were this negligent at work I would be fired and lose my license to practice. I do not understand why this is allowed. Looking online I am not the only one with these complaints about VALON mortgage.
Product: Checking or savings account

I filed several complaints with BofA in regards to my never receiving their debit card for my Edd benefits. Intially I was denied so I never followed up. I applied for welfare and they advised me to double check with BofA I did and they had approved XXXX claim, mind you its 2 years later. They had me refile 5 others : amounts {$19000.00}, {$9600.00}, {$1500.00}, {$1000.00} and {$300.00}. I filed these claims on XX/XX/XXXX. I was not provided any type of provisional credit until the day they completed their alleged so called investigations. XXXX XXXX  & XXXX That is when they posted all of the amounts but the larger one and the smallest. Ridiculous!! I NEVER received my card or any money back when i originally applied. If I had maybe i wouldnt have ended up living in a tent on the side of the freeway. Now to insult me like I am an XXXX and honestly they are doing the same to your company. Thinking Ill be happy w some of the money. They can with hold what is mine. They have put me through the wringer. My debit card is temporarily frozen everyday. Which means calling and verifying each transaction literally each and everyday, then there is the calls and hold times, wait times. 
Funny their documentation says they received and denied my claims on the very same. Its infuriating to be treated like an XXXX. 
In addition I still havent received the check for XXXX that they sent to the address that stole my original Edd bofa debit card. Why would you continually send things to address where I have and am telling you stole the tenants card? Strange if you ask me