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

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXXXXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX
Product: Debt collection

I received a XXXX alert at XXXX EST on XXXX/XXXX/XXXX that Sa-Vit Collection Agency in XXXX XXXX, NJ, had reported to XXXX an unpaid debt of {$290.00} I called them at XXXX and left a detailed voice mail with my name, call back #, and amount and that I am not aware of any monies owed. I will send them a letter on XXXX/XXXX/XXXX requesting the validation of debt and to remove this attempt to collect from all credit reporting agencies. At no time was I contacted by phone or via mail ( I have lived at the same address continuously since XXXX XXXX. )
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX  both have received multiple disputes from me since XX/XX/2018 regarding two derogatory accounts, one is XXXX   and the other XXXX XXXX.these accounts were disputed because of identity theft and the reason i want it removed obviously.XXXX XXXX collection agency was the first to remove their account from reporting.i attached a document that shows the resolution of that complaint i filed through customer financial protection bureau. Experian hasnt been through in my opinion regarding XXXX, being i have been clear on what it is im disputing but instead of fixing incorrect information, the outcome is either more incorrect than before or unchanged at all. I feel that something isn't quite right so i asked for the full reports of how the investigations were conducted but i have not received those reports from neither fingerhut or experian and XXXX. Unfortunately i have family members who has lost their homes from from the campfire disaster in northern California that barely missed my home and i can't even apply for credit with collection accounts on my report that shouldnt be on it.i want to be able to help my family get through this and make repairs to a second house i own so it can be used. I feel my disputes are not properly handled and little effort to fix them.i pray exerian XXXX  and XXXX recognizes the urgency in fixing these errors.
Product: Debt collection

XXXX XXXX XXXX XXXX is a collections agency entity that didn't verify the Capital One account belongs to me and was sold illegally to them. Under the FCRA, the entity must remove immediately from all credit bureaus any unverifiable account and/or information. Such pertinent information can not be sold without my consent either.
Product: Prepaid card

Im a customer of rushcard, during the debacle from last month. I have to receive a merchant refund in the amount of XXXX that was credited to my card on XXXX XXXX 2015. Ive contacted Rush on numerous occasions regarding the issue. No one callled me back.
Product: Vehicle loan or lease

In XXXX of 2021 I had a loan balance of {$1200.00} XXXX sent a payment and of {$1300.00} on XX/XX/XXXX they said I had {$700.00} in late fees I spoke to XXXX XXXX that I wanted to pay the principal and negotiate the late fees because of XXXX. She said send the payment and then we can negotiate. I sent in the {$1300.00} which they paid off the late fees first and left a balance on the principal. They paid more on the late fees. Which now again left me behind with the principal loan amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already sent you a complaint previously to inform you that I am a victim of identity theft. I have also sent multiple letters to the credit bureaus regarding this and I have not received any response from them. I have recently checked my credit report and I noticed that the item that I have previously disputed is still reporting on my credit report. The negative items listed below do not belong to me. I am in need of your help in removal of these items from reporting on my file. I will include here the copy of my identity theft report together with the letters that I have sent to the credit bureaus and some documents to help in the deletion of these negative items found on my report. 

XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX called me on my work number by way of a robo call ( XXXX ), that left me a number ( XXXX ) to call back, and an account number and zip code. When I called back the person who immediately answered the phone did not state their name or the name of the company, she immediately said, thank you for holding. This was a cause for concern for me as usually when a call is answered at a business, the person answering the phone states the name of the business and their name, not thank you for holding especially when you were never on hold and had just dialed straight through. I asked the person who answered the call who they were and what was the nature of the call, she immediately asked me if the last 4 of my social was XXXX and if my date of birth was XXXX. I asked again who she was and the nature of the call and she refused to tell me who they were or the purpose of the call because I would not verify the last 4 of my social and date of birth. I explained to the person that I was not doing any of that and again asked who exactly this company was and what exactly the purpose of the call was regarding. Again the person stated that she was not able to do so unless I verified my personal information. I explained to the person that as far as I was concerned this could be a scam due to her lack of providing me the nature of the call, and more information regarding the company especially when this company was calling me at my place of employment with vague responses. The person yet again told me that she was not able to provide me any additional information without me first verifying my social security number and date of birth. My last statement to this person was that if in fact this was a personal business matter involving myself, that they needed to contact me on my personal cell number and not at my work number. The person asked me to verify my cell number to which my response was that if this was in fact anything dealing with me personally, and with them already utilizing my work number that they should obviously have my personal cell number. The person then stated that she would have my work number removed from their system. I've also attempted to visit the website that the robo call provided, however when utilizing the " account number '' provided by the robo call, the system is still asking that my information be verified without any indication what this is in regards to. For this reason I believe that this company is acting under false pretenses and could possibly be a scam to gain information from consumers. I have XXXX  both telephone numbers, neither of which show to belong to a company called Direct Recovery Services LLC. I have however discovered others who have complaints about this robo caller, but again nothing to show evidence that this is a legitimate business.
Product: Debt collection

Debt was discharged in bankruptcy in XX/XX/XXXX. Received letter XX/XX/XXXX from 3rd party collection agency stating that I still owe original creditor. I called Bryant, Hodges & Associates, spoke to XXXX XXXX & gave them the bankruptcy file number & told them this debt was not valid. He said my lawyer from the bankruptcy did not do their job & that here was an arbitration judgement issued in XX/XX/XXXX & that he was collecting on behalf of that judgement. He was able to finally verify the item was listed in bankruptcy discharge & continued to belittle my lawyer for getting me in this problem in the first place. He was very rude & made me feel victimized for something that is a non issue.
Product: Mortgage

I have had a first mortgage and second mortgage with Wells Fargo for quite a few years. I have never missed a payment. Recently, I applied for a new first mortgage that combined XXXX my first and second present mortgages. I was turned down due to " Excessive obligations in relation to income, Income insufficient for amount of credit requested, Value or type of collateral not sufficient. '' Then I added an additional XXXX/month by increasing my monthly payment from XXXX. I did not need this extra money, or even the {$1000.00} original payment so I put about {$3000.00} in my money market account each month. I was again turned down for the same reason. I spent over {$10000.00} in application fees. 

Given that my income exceeds my needs by almost $ XXXX/month and the payment on a new loan would be less that my present XXXX loans, and given that my credit report is in the XXXX range, there is something very fishy here. It appears that Wells Fargo wants to keep the original loans as is because they get more interest income. 

My Income vs Expenses/Month Income/Month After Taxes Social Security {$1100.00} XXXXS XXXX ( XXXX ) {$2300.00} XXXX one time/year : XXXX $ XXXX ) {$370.00} XXXX ( to be increased ) {$2800.00} XXXX Primary {$2400.00} XXXX other {$490.00} Husband 's Rental Income ( handed to me each month* ) {$2400.00} XXXX XXXX ( variable from {$100.00} - {$2000.00} ) {$300.00} *Husband 's renter gives him XXXX checks each year and he signs them all to me at one time. 
TOTAL {$12000.00} I also have a Money Market account where I put my access funds. 

Expenses/Month XXXX ( XXXX ) {$2600.00} XXXX Rental expenses {$3800.00} XXXX water ( XXXX ), XXXX XXXX XXXX ), XXXX & XXXX XXXX XXXX ), XXXX XXXX XXXX ) {$370.00} XXXX XXXX XXXX XXXX {$500.00} Miscellaneous estimate {$2000.00} TOTAL : {$9400.00} The nearly {$3000.00} left over is put into my Money Market account. 
I always pay my credit cards in full every month. I do not owe anything else. 

Other Information Both my husband and I have medical insurance for life, grandfathered from XXXX that has little or NO CO-PAYMENT. We also have dental insurance that has a moderate co-payment. Also, I 've had no car payments for the last 21 years XXXX XXXX XXXX XXXX XXXX. I also keep at least {$2000.00} in cash at home. 

My credit rating is at the XXXX level.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance : {$5500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union is reporting an inaccuracy on my credit report. XXXX, and XXXX  deleted the accounts unable to verify, and TransUnion has Not provided the outcome of their investigation.
Product: Mortgage

I have a loan with Mr. Cooper, on XXXX I was about to loose my home, Mr. Cooper offered me something call : LOAN MODIFICATION, I was desperate, I don't speak, write or read English good. A man came to my house with the loan modifications papers ( more or less XXXX pages ), I signed the papers, then on about XXXX, I had another modification, a lady came and I signed papers. I am a single woman with a XXXX XXXX XXXX son with XXXX living with me, in XXXX, I was about to loose my house again and I tried bankruptcy but since I could not come with the {$2200.00} plus monthly payment the bankruptcy was dismissed. 

Every time I owed 2 months mortgage, I paid 1 month, I was struggling to keep my house. On XXXX of XXXX, I retired from my job because I am XXXX XXXX XXXX and when I got my retirement FRS investment check, I took it and sent {$90.00} to Mr. Cooper. I said to myself, I will not be able to pay {$890.00} out of $ 1183 monthly Social Security Income, the best thing to do is to pay off the mortgage, to my surprise, Mr. Cooper 's representative told me there is a second mortgage in my house with somewhere call HUD. They gave me the information and they claimed that I did 3 loans modifications, I said I did 2, they sent me the forms that I signed which are for 2 loans modifications but HUD FHA said there are 3 modifications and since the first mortgage is paid off, I must pay {$24000.00} immediately or they will start foreclosure process, I have no way to pay that sum, I never told when I did the modification, Mr. Cooper took a loan on my behalf, I don't know what to do, I don't want to sell my house and I was told that HUD don't give monthly payment, I have to pay or else, even tough I have a lot of equity, my lender Mr. Cooper told me that because of my credit score they won't help me. If I knew about that loans with HUD, I would have not paid the {$90.00} I would have saved it and not paid the house. PLEASE HELP ME!
Product: Debt collection

Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX XXXX antemeridian and before XXXX XXXX XXXXn, local time at the consumers location ; ( 2 ) if the debt collector knows the consumer is represented by an attorney with respect to such debt and has knowledge of, or can readily ascertain, such attorneys name and address, unless the attorney fails to respond within a reasonable period of time to a communication from the debt collector or unless the attorney consents to direct communication with the consumer; or ( 3 ) at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication. 
( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. 

( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 
If such notice from the consumer is made by mail, notification shall be complete upon receipt. 
( d ) Consumer defined For the purpose of this section, the term consumer includes the consumers spouse, parent ( if the consumer is a minor ), guardian, executor, or administrator.
Product: Credit card or prepaid card

An unauthorized transactions on my credit card account for {$4300.00}, {$230.00}, {$2800.00} & {$590.00} and Chase is making me to liable for it. Please reach out to me at email XXXX or at my cell XXXX XXXX XXXX. 

These international transactions from XXXX. When these unauthorized purchases happened. Chase reached to me on XX/XX/XXXX at XXXX and I told these are not my purchases and asked them to reject the purchases and close my credit. 

Chase, sent a letter on XX/XX/XXXX and that they have credit funds back to my credit card account. 

In XX/XX/XXXX, Chase sent me a letter to pay check the {$8000.00} as these transactions are valid. I called Chase and explained them to refund the back credit but they did not do and every month Chase is collecting over XXXX XXXX interest and apart from minimum payment.
Product: Debt collection

XXXX XXXX XXXX has put a judgement on me and wage garnishment over a discover account I never had applied for. Every year they put a hard inquiry on my credit report without my consent. I do n't know what they want from. This is illegal practice of theirs. They need to remove this judgement off me because they have no valid proof that debt belongs to me.
Product: Credit card or prepaid card

I tried paying off the balance with a 1099a and they closed due to unauthorized payment activity
Product: Checking or savings account

My husband and I were depositing at CHASE JP MORGAN BANK ( Location : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX LA XXXX ) the day we got paid. It was on XX/XX/year> at night, so we felt unsafe going into the ATM that's in the branch. We always deposit money into the ATMs outside and we never had a problem until today. My husband went first and his funds were credited to his account. We deposited my funds ( {$960.00} in mixed bills ) and it took the machine longer than usual, and the machine informed us that the " funds can not be deposited at this time. '' We thought it would return us the money but it didn't. We got a receipt telling us that if we had a problem with our funds, call the number on the receipt. We called and it was just an automated machine. I went back to the branch to tell the teller our situation and they gave us an ATM Claims number to call. We called and told the agent that answered that day our situation and was informed that our funds will be credited in a couple of hours. 2 days has past and nothing, so I called ATM Claims number and they told us our claim and our funds has been denied. {$960.00} gone down the drain. This is unacceptable, we been Chase account holders for MANY, MANY years. The branch is no help, it's like we're stuck at a dead end with no roads left to go.
Product: Vehicle loan or lease

XXXXXXXX XXXX  worked with when I was very sick I must give them credit and I appreciate it and told them so. My engine in my truck went bad drop lifters on one side the cost was XXXX I had to barrow some of the money to fix it. I called and told them what going on and ask fit time to fix my vehicle and they agreed and said if I needed anymore time to keep them informed. We agreed on when my next payment was due. The shop was running a few weeks behind so I called XXXX and to them what the shop said and they also was told by me who was doing the repairs. I told the bank it would be ready in a week and I would send in my payment on the following XXXX XXXX of the month I get social security. The very day the truck was fixed they repossessed it after a few hours of me paying XXXX and taking it home. I paid XXXX down payment when I bought it and XXXX on repairs. If I would have not paid XXXX to fix it, if I thought they would take it. They sold it with in a few weeks for more than I owed and kept the money. I've been sending emails and calling them ever since.
Product: Credit reporting or other personal consumer reports

I am writing this letter in regards to the fraudulent inquiries on my credit report. These inquiries are all fraudulent and unauthorized I need these lists of inquiries removed from my credit report. 

Account Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Student loan

Submitted a signed/completed application to the total and permanent XXXX unit dated XX/XX/XXXX. On, XX/XX/XXXX, Nelnet the servicer under contract by the U.S. Department of Education to assist with the processing of the above mentioned program, sent a letter acknowledging the application, the letter states the review process can take up to 30 days. My initial review process actually took almost 60 days ( after many phone calls ), a letter from Nelnet dated XX/XX/XXXX advised that they want the Physician to update section 4, question 2. The medical doctor updated this information and faxed the correction with the words " XXXX '' along with her initials. This was faxed to Nelnet on XX/XX/XXXX and on XX/XX/XXXX, Nelnet acknowledged receiving this information. Now, two weeks later the application continues to claim " under review ''. Calls to the Nelnet service center at XXXX on XX/XX/XXXX, Sue advised that it only should take a few weeks. The call on XX/XX/XXXX, to Nelnet, XXXX advised that no set time exists, the processing has no time frame whatsoever. Nelnet needs to issue some continuity with customer service representatives, so that callers do not receive conflicting information.
Product: Debt collection

I have notified the credit bureaus in regards to these negative items being reported on my credit report. I have no knowledge of this account and I asked numerous times for it to be removed. XXXX and XXXX has already determined that the accounts does not belong to me in which they deleted the items. XXXX is the only bureau still reporting these inaccurate items. I was a victim of Identity theft in which I have submitted my FTC complaint as well as a police report to validate. A ton of inquiries and collection accounts showed up on my report and they should not be there. 
PYOD LLC has not responded with the any documentation bearing my wet ink signature nor have they provided any proof of this alleged debt.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX DEAR TRANSUNION, Contents of Complaint : This CFPB complaint has been filed to request under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, XXXX the credit reporting agency , block and remove 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. I am very much in disbelief of what's happening with my consumer report, the listed accounts are listed below. 

This fraudulent, inaccurate, and false information consists of a few Personal credit card accounts. 

ACCOUNT NAME : XXXXXXXX XXXX ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/year> These accounts have resulted in several fraudulent hard inquiries and collections appearing on my consumer FICO credit report, leaving me so stressed. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the previous consumer credit accounts, collections, and hard inquiries result from identity theft and fraud.