23daVinci/CFPB_Complaints huggingface dataset:
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 Equifax 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 Account name XXXX XXXX XXXX Account number XXXX .... 
Recent balance {$45000.00} Date opened XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX 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: Prepaid card

I got XXXX gift cards ( {$25.00} and {$500.00} ) from AMERICAN EXPRESS by reward program few month ago. 
I tried both gift cards to pay in store but it was errared so I could not pay. 
I called AmexXXXX ( XXXX ) but I could not to get how to renew it. 
I want to return those XXXX gift cards and to get AMERICAN EXPRESS check.
Product: Mortgage

Ive been making automatically deducted monthly mortgage payments since my mother died on XXXX XXXX, XXXX. I updated the address in XXXX of XXXX to be XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX and received statements there up until XXXX XXXX. As of XXXX XXXX, Ocwen, stopped taking my auto-payments because the loan was in default without my knowledge as the address was changed by a third party research firm, hired by Ocwen. I was receiving all mail until XXXX XXXX, have the same information, and even have been checking the mail at the property address and nothing has come from Ocwen notifying me of these changes. During this same time, the ARM mortgage as varied since XXXX but I 've not seen any mortgage payment adjustment letters - as I was receiving in the past. Ocwen has put the loan in defualt and on its ' way toward forclosure and have asked that I pay legal fees, etc. to be reinstated but it was their doing in changing the information and I wo n't pay the $ XXXX legal and adminstrative fees they want to reinstate the loan. 
Because of this, I am asking for all related fees to be waived. I will pay for all back-payments that go to the principal and interest but no related fees for hiring this company to change the address, for inspections, etc as the property has went into non-active status without any notification coming to the correct addresses ( property address or original address ). I am asking for you to research this change and validate that the death certificate, Letters of Administration for me, and my current mailing address is what is on file. I am also asking that all fees related by removed and I am provided with the balance due to catch up ( principal and interest unpaid since XXXX XXXX ). I also am at the property address bi-weekly and have not seen any mail from Ocwen in over a year. I see that Ocwen says in the last report they tried to reach out to me but they had my correct address on file and as the mailing date for 12 months prior to Ocwen changing it to XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX. My mom, father ( also deceased as of XXXX XXXX ), myself, and her next of kin have never lived in/nor had a forwarding address anywhere in California. 
They have updated the address, not reinstated the loan and still have an incorrect address ( left an apartment number on the address ) but I am getting mail as of this week. I 've reached out multiple times to the Customer resolution center and talked with an Escalation Manager who refuses to/has not returned my calls over two months of attempts. 
It is clear that this is not a normal occurrence, that misinformation was received, sensible communication channels were not followed in an effective manner. HELP!
Product: Bank account or service

My purse was stolen from my car. I immediately went to Wells Fargo to cancel all accounts and set up all new account ( this was on Tuesday XXXX XXXX ). They assured me the criminals who stole my purse would n't be able to get into the new accounts. On Thursday XXXX XXXX, we saw deposits into my account and ran straight to bank. They say there are n't sure how they got the new account #. either the teller gave it to them or this group has someone working inside the bank to help them. Friday XXXX XXXX, my account is a negative XXXX. I will be leaving work early to go again try to figure this out.
Product: Debt collection

I have sent Transunion the correct stuff that they are reporting incorrectly on my credit report I sent them all the necessary documents and they have not done anything regarding them by just sending me fake letters just to get their response out to me I need them to remove the inaccurate info immediately
Product: Debt collection

I have recently found information that XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX as individuals and Representative ( s ) or Agent ( s ) of Fisher Law Group have submitting false evidence under the penalty of perjury into the XXXX Court XXXX XXXX XXXX XXXX. Fisher Law Group has foreclosed on the subject property in 2013 using the name of the original Secured Party Creditor and a license number that expired in XXXX XXXX XXXX XXXX XXXX XXXX Substitute Trustee under the penalty of perjury affirmed that the purchase of the subject property was fairly sold and bought at a fair price. The subject property was purchased by Fisher Law Group, PLLC, XXXX XXXX XXXX and auctioned by Auctioneer XXXX XXXX XXXX for XXXX Action. I have reason to believe the bidding and auction of the subject property were rigged by XXXX XXXX XXXX, XXXX XXXX XXXX of XXXX, XXXX XXXX XXXX. Sworn Affidavits filed in case number XXXX to also include the Assignment of Deed of Trust, the Deed of Appointment of Substitute Trustee and the Writ of Possession and Eviction filed by the Defendant XXXX XXXX XXXX of XXXX are in fact willful and deceptive violations of XXXX U.S.C. XXXX ( XXXX XXXX, XXXX U.S.C. XXXX ( XXXX XXXX, XXXX U.S.C. XXXX ( XXXX XXXX and XXXX U.S.C. XXXX. There are many irregularities in the assignment of DEED OF TRUST and the process in which such DEED OF TRUST was allegedly transferred, conveyed, assigned, sold, recorded, etc. As asserted, these defects left the foreclosing entities without authenticating documentation to the property and without the authority to foreclose.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2000.00}, {$3500.00}, {$810.00}, {$0.00}, {$660.00}, {$1000.00}, {$1400.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2000.00} -This is not my account. 

XXXX. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3500.00} -This is not my account. 


-- STUDENT LOAN 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$810.00} -This is not my account. 

-- PERSONAL LOAN 4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNTS 5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$660.00} -This is not my account. 

XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account. 

XXXX. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1400.00} -This is not my account.
Product: Debt collection

My husband died over 2 yrs. ago leaving several medical bills unpaid. After his personal estate was reviewed by the XXXX XXXX Courts it was ruled that his estate was deficient and that his medical bills would go unpaid. XXXX XXXX XXXX sent several bills. They were informed that there was no money in the estate to cover his bills. XXXX XXXX then turned this over to Optimum Outcomes, Inc. to attempt to collect several bills. I contacted an attorney who notified Optimum Outcomes that they could not collect on the bills owing because the estate was deficient. Apparently a bill for {$280.00} was not listed in that correspondence and Optimum Outcomes began sending collection notices for that amount. I called and wrote the company that this was not my bill several times. They stopped sending notices of collection and instead had a collection report placed in my credit reports XXXX. I disputed the information with XXXX credit reporting bureaus. XXXX accepted my statement and removed the collection report from my credit report. XXXX has declined to remove the collection report as of this time.
Product: Mortgage

Deutsche bank has given me problems every month with my mortgage payments. XXXX XXXX deutsche bank began to return my mortagage payments and has file suit to foreclose my house. In return I have filed suit against deutsche bank to prevent them from foreclosure on my home. I have always paid deutsche bank on the first of every month with a personal check via USPS Certified Mail with Return slip option. deutsche since approx. XXXX has repeatedly held each monthly check past the grace period of the XXXX of each month so that they can turn around and charge late fees and penalties. They have also held my checks and randomly notified me that my checks did not clear my bank as a strategy to place me in default. I have checked with my bank when I was notified by deutsche that my check did not clear, and was told by my bank that deustche never submitted my check for clearing. I have tried in numerous occasions to remedy this problem that deutsche is creating and they have never tried to work with me. deustche bank also sent me their audit of my account back in XXXX showing proof of my mortgage payments and they themselves denied my proof. I have tried to seek shelter from bankruptcy and the judge discontinued my claim. I am XXXX years old and a veteran of the XXXX of 32 years 8 months and 11 days of service and it is apparent that desustche bank has made me their target. I have proof of all the USPS return slips with their signature that they received my mortgage payments. They are trying to take my house away because they do n't want to admit their errors. deutsche has run down my credit score in the process of not accepting my monthly mortgage payments. This is a reach but I feel through their actions against me that deutsche bank may be discriminating against my last name and discriminating against U.S. military veterans. My attorney is in possession of all my records relating to this claim.
Product: Mortgage

Bank of america started an application for my home refinance. At the time of application my FICO was XXXX. They told me that XXXX of the delinquencies of a small $ amount due to miscommunication with XXXX of my lenders while as I was out of country was told to me as a non issue as long as I could provide a letter explaining the delinquency. In the process of lending, after the appraisal was done, the originator of from Bank of America suddenly asked the letter to be sent by the lender who had this delinquency. They changed requirements in between. More importantly appraisal showed significant equity in the house and my FICO is good. Originator from Bank of America abruptly stopped the deal. This led to waste of my appraisal cost. Also, I think this is a case of discrimination given after he received information on my race and nationality, they decided to flip on original decision. Would like to formally complaint and would like to seek damages in the amount of at least $ XXXX ( net present value of money I would have saved by refinancing at lower rate ) and appraisal cost of {$500.00}. 

Thanks! 
XXXX
Product: Debt collection

This company is falsely reporting on my credit report and it is damaging my credit.
Product: Checking or savings account

My login was compromised, and someone used XXXX to steal more than {$1200.00} from my account. Credit Karma has refused to issue provisional credit until ten days after the dispute is started. They stated on the call that sometimes they just close disputes with no reason.
Product: Credit card or prepaid card

A government travel card was issued through CITIBANK by the US XXXX  to use during official government travel. I was unaware that any further payments were due and thought it was paid off until I received a bill in XX/XX/XXXX after a last payment was made in XXXX XXXX. The bill was for the entire amount of the card, since they were unwilling to do monthly installments or payments and had incurred late charges. After being locked out of the account and being stationed overseas, I was finally able to make a partial payment that was worked out with CITIBANK on XXXX XX/XX/XXXX for {$1300.00}. However, this was not processed and on the statement read returned CK PAYMENT even though it was paid via phone with a confirmation email provided. Since XXXX, I have been XXXX leaving my wife a POA for my finances that are not joint. I assumed that my wife was successful in making a full payment to pay the card off on XXXX XX/XX/XXXX since the account reads " success '', but nothing has been withdrawn from the checking account. My wife attempted to call the agency and representative XXXX ( # XXXX ) would not help her or accept my POA unless I could FAX the documents. Having no access to a fax machine I am left helpless since the internet is down on my XXXX  and unable to call in and complete this on my own. This company has been completely irrational with their payment demands and down right shady when consumers are attempting to make payments. There is no excuse for this lack of flexibility when working with military spouses especially when they are trying to solve problems for their XXXX spouses who have more important things to focus on.
Product: Debt collection

I have email correspondence with the property manager and their lawyer regarding move out date. I moved out within the time frame and returned the keys to management. I have attached the email from myself to the property management. The agreement was for me to move out by a date both of us agreed upon, which I did. Yet they have attached fees for " unpaid rent '' for months I did not occupy the apartment. I was not aware of any debt that they have attached to my credit nor was I ever contacted by the collection agency to know the debt had occurred. I never received a letter nor phone call until I applied for an apartment recently where they informed me of this debt.
Product: Debt collection

GM Financial is reporting a much higher balance than what was owed. They apparently sold my vehicle for much less than it was worth, however, i will never actually know what they sold it for because they have, on many occasions refused to send me a complete accounting of what i owe and why. This company is still reporting to the credit bureaus, XXXX, XXXX, and XXXX, a very large amount that i have offered to pay less for but as they have refused several times to send me a complete and accurate accounting of what is owed along with proof of what the car sold for and proof of the tow charges. I would like this large amount removed from my credit because they have refused to send me an itemized accounting or proof of what is owed.
Product: Checking or savings account

In XX/XX/ 2023, a Bank of America ADV SAFEBALANCE BANKING account was opened under my name using my personal information. I did NOT click any links in the email. 

I forwarded the emails in case they were fraudulent, to " abuse@bankofamerica.com '' as instructed on the BOA informational page. 

No one contacted me. 

Another number ( ending in XXXX ) called me on my personal cell phone - I did not give them any personal information. 

I called BOA and found out the account opened was real. They closed the account for me.
Product: Debt collection

During Covid I moved. The XXXX internet modem needed to be returned within 90 days to ups store. All stores were closed and I didn't get the equipment back within the window. 

I did return the equipment and have told the collection agency this and showed them the receipt. 

Every six months they start again even after multiple calls where I've explained the situation and told them nothing was owed and they were now harassing me for an unowed debt. 

The company ERC from XXXX Florida has an XXXX call center that only cares about getting money not resolving the issue. This is a bad reflection on XXXXXXXX XXXX  XXXX because they have been no help in stopping the calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute online on a debt with XXXX XXXX Hospital that has been settled. This was confirmed by a representative of XXXX when I asked him to look at my old file. He said that the old debt collector has instructed XXXX to delete the negative report on the supposed debt. I asked XXXX why it would accept a file from a new collection agency, XXXX, on an old debt that XXXX   acknowledged has been settled. The rep said that it has no control on who files what on credit reports. 

On the online dispute I filed with XXXX, I just received notice stating that the debt is confirmed by the creditor, but the creditor it listed is the collection agency, not the original creditor. I do not think XXXX did any investigation other than asking the collection agency, XXXX, to respond to the dispute I filed with XXXX. The provided contact number and address of the original creditor turned out to be those of the debt collector, XXXX XXXX. 

XXXX is being irresponsible in just accepting the report of the collection agency even though its own representative, informed that this is an old issue that has been settled, still went ahead and reported that this debt has been confirmed as valid based on the say so of the collection agency. 

I think the collection agency is being clever by half in changing the amount owed from the original amount of {$1500.00} it filed to now {$1500.00}. I suspect this is to throw off XXXX to think that this is a new debt.
Product: Credit reporting or other personal consumer reports

unsecured loan open XX/XX/year> for the amount of {$30000.00}
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : Account Name : XXXX  Account XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Product: Checking or savings account

Bank of America around XXXX Bank of American closed my account due to some type of fraudulent activity they were suspicious of that I did not do to my account and was not aware of. Also funds were stolen from my account and when I was attempting to fix the whole situation they notified me they were in the process of closing my account. I had a total of around $ 400- {$500.00} in my account which was taken out and never recieved due to Bank of America accusing fraudulent activity which I had no idea why and never hardly used my account. I was trying to save my money not spend it.
Product: Debt collection

XXXX Hospital sent my account balance to a collection company, Credit Control Corp, for a hospital stay for my son in the amount of {$1100.00}. The collection account was created on XX/XX/2016. We originally petitioned XXXX about the bill due to the included charges. The hospital charged full admission fees even though my son was never moved from the ER and was only monitored for a few hours. One of the doctor 's also prescribed an incorrect dose for my son 's prescription. This could have been very harmful to him. We found this out from the pharmacist who refused to fill the prescription and who also told us that he had similar problems with incorrect dosing with the same physician. We brought these issues to the attention of XXXX, but they still charged us the full bill. I agreed to pay the bill regardless and called in with payment information over the phone and marked it as paid in my notes. I didn't think anything else about it because I assumed it went through on my credit card. XXXX apparently had no record of my payment and sent the bill to collections. I would have quickly resolved this, but I received NO communication from credit control that I owed this bill. Then, this debt sat with credit control for 3 years until we went to get another mortgage for our new house. I would never let a debt go unpaid as evidenced by my clean credit report otherwise. Also, I had several other bills with XXXX that year that were paid in full. I do not let bills go unpaid, unless of course, I don't know that they exist. Once I found out about this bill, I paid it in full.
Product: Payday loan, title loan, or personal loan

The company charges a {$39.00} late fee. My monthly payment before the late fee is {$170.00}. When they add the late fee, on their website my account shows a minimum payment due of {$210.00}. I was late making my XX/XX/XXXX payment. I made a payment of {$210.00} on XXXX XXXX, 2017. I was late making my XX/XX/XXXX payment. I made a payment of {$210.00} on XXXX XXXX, 2017. My account now shows a balance due of {$78.00} for XX/XX/XXXX. I called the company today XX/XX/XXXX and was told that they do n't apply my payment to the late fee until after my next payment is made. Well that is not acceptable and apparently not true. If that were the case, they would have applied my {$39.00} payment for the late fee charged in XX/XX/XXXX when they posted my payment for XX/XX/XXXX. This is not the first time I 've had billing issues with this company and I 'm sick of it. If I make my payments per my loan agreement and pay my late charges, my account should be brought current.