23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On Tuesday XX/XX/2019 I received a vm from JPL recovery solutions. I returned the call and spoke with XXXX at XXXX. I requested validation of my debt and he responded by saying it was already sent. I again requested for the validation to be mailed to my address and I verified my address. XXXX said he would email it. I said no email, I prefer by mail. On XX/XX/2019 I received the correspondence via email when I strictly requested by mail. Then I asked for no more calls as I would take care of the balance after reviewing the validation. Today XX/XX/2019, my brother sent me a message via messenger saying XXXX called him asking for information about me. I already asked for no more calls so I am not sure why they continue to harass me and my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Per bankruptcy court as well as state of Kansas placed said items on my report for all credit bureaus without permission per these said companies have verified that they do not verify these for placement on credit bureaus, I have requested that they be removed the bankruptcy was discharged in XX/XX/XXXX. The state of Kansas Department of Labor placed a state lien without my knowledge or any correspondence with rising interest which is unfair so I would like for them both to removed these are reporting back form XX/XX/XXXXor XX/XX/XXXX these are placing a hindrance on my credit which is stopping me from getting approved and the credit bureaus Equifax, XXXX, and XXXX do not want to remove them. The state tax lien is only showing on my XXXX report. Both items are stopping me to be able to establish positive credit please help and get them removed
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to Experian and XXXX to remove erroneous items that are UNKNOWN tome. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) thecredit bureaus are required to remove any accounts or information not later than 4 business days afterthe date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( 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 TransUnion, XXXX, XXXX 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 Accounts : XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$1600.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$0.00}. Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 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 # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

I am corresponding to you to report a flagrant violation of the FDCPA by this company pertaining to an erroneous account this company has persevered with reporting on my credit report. O n   XXXX   XXXX   XXXX   this company recei ved a letter from me where I disputed the accuracy of the account they have reported on my credit report and asked that they either provide me with document I signed that makes me liable for the debt or delete the account from my credit report. The company has done neither and in violation of my rights have kept reporting this account as a valid account on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. 
XXXX {$14000.00} XXXX {$550.00} XXXX {$1900.00} XXXX {$78.00} XXXX {$60000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I contacted the Experian credit bureau through mail as well as over the phone about a particular Fraudulent creditor on my credit report. I Requested they investigate the creditor. I also requested a signed document or contract showing my signature with this particular creditor. I did not receive any proof or Documents Proving a Relationship between me and said Creditor. Instead they sent me a letter saying the investigation was complete and the credit report is reported correctly. Which this fraudulent creditor is still reporting fraudulent information on my credit report. When I spoke with a representative from the agency. She explained Experian does not have to have proof of a debt or a legally binding contract between the XXXX parties for an investigation to be completed. I told her per the FCRA, Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. I then shared Some information about The Fair and Accurate Credit Act. I would like some help getting this matter resolved. Thanks in Advance, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am one of the 143 million Americans whose personal data were stolen from Equifax. Equifax advised me, via website, that I was entitled to a free year of credit alerts through their TrustedID Premier offering. Accordingly, I signed up for TrustedID on XXXX/XXXX/XXXX. I finally received a confirmation Activation email on XXXX/XXXX/XXXX and I immediately did the final activation steps. But I received a web message that said " Product Already Activated. Our records indicate that you may have already enrolled and activated the TrustedID Premier product. Attempting to enroll again is not necessary. Please go to XXXX to log in to your product. '' Since then, I have tried at least 15 times to log into the TrustedID website, but I always get back a technical message that the web connection does not work. I have phoned Equifax three times since then, and they claimed I was being referred to an escalation team, who would phone me. I have never heard from this team, or anyone at Equifax, on how to obtain the promised free credit alert service. I believe that I am one of millions of Americans who are being purposely misled by Equifax, and hope that the CFPB can help me get the credit service that Equifax promised as partial compensation for their failure to effectively guard my personal data.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've recently disputed about this XXXX  credit on all three of my credit reports XXXX, Transunion and XXXX  on XX/XX/2020 XX/XX/2020 and XX/XX/2020. I haven't received any accurate proof about this account on my XXXX  and and XXXX  account. The amount owed is {$1100.00} but has not been verified on my XXXX  XXXX  or Transunion accounts.
Product: Debt collection

The amount reported on my credit report by was paid in full ( {$830.00} ) to the XXXX XXXX XXXX. Below is a screen shot of the credit report and the Money Order sent to their po box Address.

This Money Order per US Postal shows that it was received and cashed by them. This my final notice to you and the collection agency. I will file official complaint at the Consumer Financial Bureau against XXXX and the Credit Agency. My right is being violated under the fair credit report by continued failure to update this account despite the evidence.

The collection agency -Credit Associates Inc. in XXXX XXXX , Montana has decided to report {$750.00} as amount received however, the reported debt to the credit bureau {$830.00} was paid in full to them. They claim {$87.00} owed despite evidence that {$830.00} was paid to them as full payment owed and as reported to the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.
Product: Money transfer, virtual currency, or money service

Check was deposited to Bank of America from a reliable bank ( XXXX  ) for XXXX XXXX And should be deposited no late than 4 day on a hold A ( the account has been open for more than 30 day and has been deposited larger amounts ) but the bank is holding to it for more than 2 weeks and has not processed the check yet when called their telling me that its been in the process of getting to it but they have so many checks that it going to take a while and the deposite department cant do anything about it. Something doesn't feel right.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax, and XXXX each received false information from XXXX XXXX reporting our account as more than 30 days past due when it never was. The mistake was made due to massive computer issues at XXXX. We have been working to resolve this issue through all four companies since early XXXX. According to XXXX, they have removed it from all three reports. XXXX XXXX conference called with XXXX and confirmed that there are no longer any late marks. XXXX and XXXX are not changing my credit report in spite of being contacted by XXXX XXXX because they say they cant get the information from XXXX. 

Due to all of these problems as well as XXXX doing damage by making a hard pull without my permission, we are about to lose our home weve been building for 5 months because this is keeping us from getting our mortgage loan.
Product: Mortgage

My complaint concerns a mortgage with BSI Financial Services. On XX/XX/2021, BSI deducted {$4100.00} from my mortgages escrow account to pay property taxes in Washington XXXX DC. But BSI placed the wrong lot/parcel number on the payment, meaning that the amount was NOT paid for my property. BSI paid taxes for a property with lot number XXXX, but MY property has lot number XXXX. I became aware of BSIs mistake in XXXX 2021, called the company several times to investigate the problem, and worked to set the record straight. BSI proceeded to pay my propertys taxes by deducting another {$6500.00} on XXXX/XXXX/2021 from the mortgage escrow account so that my property taxes are now up-to-date. 

The problem? BSI has not refunded my escrow account the {$4100.00} that it had paid in error to lot number XXXX. As a direct result, my escrow balance is significantly negative ( - {$2600.00} ) and for the year ahead BSI is increasing my monthly payments by a whopping {$410.00} to cover the escrow account deficit. In other words, BSI is passing the cost of their error directly onto me by deducting these tax payments -- whether for my property or not -- from the escrow balance. 

BSI has not been helpful in resolving this problem. Every time I call the company, I am told that the issue is getting flagged for the tax department but I am never allowed to talk to the tax department directly in order to get even a simple confirmation that my case is under active work. Nor am I allowed to talk with a supervisor despite the customer service representative saying that s/he is consulting with a supervisor. I also receive reassurances that I will be called back with an update but that has yet to happen. I say this having called BSI at least 20 times and literally having spent hours trying to resolve the issue by phone. Emails go unanswered or vaguely answered too.
Product: Credit card

I had not been receiving my bill from Bed and Bath and was under the impression that my account had been paid off. I paid {$220.00} XX/XX/XXXX and {$220.00} on XX/XX/XXXX. I realized my automatic payments had stopped and I contacted Bed Bath and Beyond via telephone to make sure my balance was XXXX. I was told I had a balance and I could do the final payment, this conversation was on XX/XX/XXXX @ XXXXXXXX XXXX. I was able to reach the representative and she stated she could take the payment over the telephone and I would not incur a fee and it was prior to the due date. She attempted to make the payment for me and the system was going into an infinite loop, the same that I had experienced when trying to make the payment online. She told me she would notate the account and go ahead and send the payment from my bank account and I would not incur a late fee because the system appeared to be down. I went ahead and did the electronic payment to come out of my account on XX/XX/XXXX. I was still a bit confused on how I still had a balance on the account because I'm usually very good at paying over the amount with the credit card company owing me and it made sense to me that the two payments I had made was a split of what was owed plus interest. Anyway, the payment was processed for {$65.00} via bill pay because I couldn't remember the exact number I was told of the balance. I setup a payment for {$10.00} on XX/XX/XXXX because I didn't recall if I had a automatic billing on this account and again on XX/XX/XXXX. I figured the credit card copy would owe me a credit. I contacted Bed Bath and Beyond to receive my credit and they informed me I still had a balance on my account which consisted of two {$35.00} late fees,. I asked how could that be? They stated my XXXX payment did not reach them until XX/XX/XXXX. I was perplexed and asked to spreak with a supervisor in which there was not one available, I was told to call back. I called back the same day and inquired to spreak to a supervisor and was informed the company was in bankruptcy status and they could not reverse the late fee and a late fee would be assessed every month. Mind you, I had an overage in the payment and they informed my payments were always due on the XXXX, Somewhere along the line, my payment due date had to shift. My end of year statement shows XXXX late fees and looking at my payments, I have always paid {$220.00} near the end of the month. Community Bank is very much in business and this practice is definitely manipulative and unfair. I also sent an email to Community Bank and have not yet received a response. I have copies of the payments, telephone logs on the calls, and unfortunately, my statements have not been sent or received on a regular basis and it appears they can't send XX/XX/XXXX- XX/XX/XXXX statements. Thank you!
Product: Checking or savings account

I send the following message to XXXX because I do not have an email provided from them to deal with my previous complaint that is currently being investigated. See complaint no. XXXX filed with your office on XXXX I also filed complaint to dispute this transaction with Wells Fargo on XX/XX/ and haven't received a response back. This is what led me to contact XXXX who was handling the previous complaint with your office. They are not being too responsive to the matter. This shouldn't take this long to get a credit back to my account. 

I need to add to this complaint, as I reached out to the contact who is supposedly " investigating '' my complaint at Wells Fargo and told her how I was charged for items I ordered on XXXX on XX/XX/, but then about an hour later cancelled them because they were ordered by my husband erroneously. The total was for {$66.00} and XXXX cancelled the order IMMEDIATELY about an hour later, zeroing out the invoice telling me that nothing was billed. However, when I placed the order I immediately saw the " Pending '' transaction in my account. I watched for the transaction to drop off since XXXX confirmed nothing would be charged, but it never dropped off, but instead posted and deducted to my account and it still remains DEDUCTED from my account through tooday. I have attached the screenshot showing the cancelled order with the order number from XXXX from XX/XX/ for these two items. I expect this credit to be reversed IMMEDIATELY. 

When I called XXXX who is handling the complaint I made to the Banking commission, she was supposed to send me her email address so I can send her the invoice that XXXX shows as ZERO dollars because the order was cancelled. She never sent me an email so I can email her and when trying to call her back her voicemail is full so I have no way to reach her. 

Again, I expect this credit back to me IMMEDIATELY, as I don't know what is going on with Wells Fargo, but the financial transactions are ridiculous. 

I expect acknowledgement of this email promptly, as I also filed a dispute and have not heard anymore regarding this particular transaction.
Product: Mortgage

Back in 2011, we were struggling to make mortgage payments on our home in XXXX, ID due to the bad economy & my husband losing his job. We tried numerous times to get help to no avail. We had 2 separate offers for a short sale, & they refused. Instead, they foreclosed on us. It took almost decade for us to get back to where we could purchase another home because of this.
Product: Credit reporting

On XXXX XXXX, 2015 at XXXX PDT I called Transunion 's credit fraud department to request a credit freeze on my account because of the recently announced XXXX cyber breach. I was given a file number, processed a credit freeze claim and issued them my personally selected PIN number. I was told by their representative that I would receive a written confirmation in the mail within XXXX to XXXX business days. Having not received that within that allotted timeframe I called today ( XXXX XXXX, 2015 at XXXX ) and was told by a Transunion representative that NO credit freeze had been applied on XXXX XXXX or any other date!!!! They completely XXXX this up and left me exposed to potential credit and I.D . theft for over XXXX weeks because of their incompetence and negligence. Besides wasting over XXXX minutes of time on hold, dropped calls, mis-directed transfers, and representatives that did not respond to my requests, I still have no satisfactory explanation why my request for a freeze was not processed in a timely manner, again exposing me to fraud. This is NOT acceptable and I would like an investigation launched and formal complaint filed against this company. After all, their core competency is CREDIT reporting, managing, monitoring, and they ca n't even do that properly. This company has shown blinding incompetence and neglect and they must be held accountable.
Product: Credit card or prepaid card

My complaint is regarding my SunTrust credit card. They will not refund me the money from transactions with XXXX ( since XXXX issued a partial refund, SunTrust has washed their hands of the " investigation '' ). I have tried to resolve my dispute with XXXX, but XXXX is not responding to my complaint that I made with the Better Business Bureau. XXXX issued a partial refund. My credit card company, SunTrust, " investigated '' my disputed amount and will not remove the charges. 

I have XXXX recorded stating the price. Please listen to the call with XXXX which is recorded below ( Sorry that I had to send a link to a video of the conversation, I did not  have conversation recording software on my phone at that time ) : XXXX XXXX XXXX XXXX My SunTrust credit card should protect me from these dishonest practices, but they will not. SunTrust 's " investigator '' did not even contact me regarding this. I spoke to a supervisor at SunTrust who indicated that, SunTrust will not help me any further. That is one of the main reasons to use a credit card, protection during purchases.
Product: Debt collection

I was contacted by XXXX XXXX XXXX stating that I owed a debt for Cash Central but for at least 4 times the amount owed. I told them that I believe this is possible fraud and would look further into it. I contacted Cash Central and I was told how much was owed before it was sold. The guy on the phone stated that if I didn't pay or set something up I would be taken to jail in a round up because he had the authority to do so. He was very rude and hung up on me because I did not agree with him. Company 's number is XXXX XXXX. 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I just requested my credit report and noticed the wrong information and fraudelant accounts