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

Subject : Complaint Regarding Identity Theft, Unrecognized Accounts, and Unauthorized Inquiries on Credit Reports To Whom It May Concern, I am writing to file a complaint regarding errors on my credit reports with XXXX, XXXX, and Equifax. I have been a victim of identity theft, and my personal information has been compromised multiple times. Consequently, my credit reports now include several unauthorized accounts and inquiries that I do not recognize or approve. I was a part of the Equifax Data Breach, my information has been online and used numerous times. 

Specific Issues : 1. Debt in Collections : Accounts totaling in collections are present on my reports, which I do not recognize or authorize. For example, the report mentions : XXXX  XXXX XXXX ( {$790.00}, reported on XX/XX/XXXX ) XXXX XXXX ( {$1300.00}, reported XX/XX/XXXX ). 
2. Charge-Off Accounts : My credit reports also list charged-off accounts that I did not authorize, including : XXXX, XXXX ( {$120.00} XXXX opened XXXX XXXX, XXXX, and reported as charged off on XX/XX/XXXX ). 
XXXX XXXX ( {$150.00}, opened XXXX XXXX, XXXX, and reported as charged off ). 
XXXX ( {$160.00}, opened XX/XX/XXXX, and reported as charged off ). 
3. Unauthorized Hard Inquiries : My credit reports list several hard inquiries that I did not authorize, including : XXXX : Multiple inquiries from financial institutions like XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX 
XXXX : Unrecognized inquiries from institutions such as XXXX  and XXXX. 
Equifax : Unauthorized inquiries from institutions like XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX 
4. Unfamiliar Accounts : There are open and closed accounts on my credit report for which I have no record of applying or owning, including : XXXX XXXX ( secured loans reported with balances I did not authorize ). 

Steps Taken So Far : I have contacted the credit bureaus and creditors requesting corrections and proof of the legitimacy of these accounts. However, no resolution has been achieved. 
I have also filed reports regarding identity theft to ensure that the necessary documentation is in place & signed up for credit monitoring and freezes. 

Requested Resolution : I request that all unrecognized accounts, debts, and inquiries be investigated and removed from my credit reports. 
Please ensure that my file is flagged for identity theft and that further protective measures are taken. 

This situation is affecting my financial standing and peace of mind. I request the CFPBs assistance to ensure that the credit bureaus comply with the Fair Credit Reporting Act ( FCRA ) and that my credit reports are corrected promptly. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I use XXXX to process payment for invoices I send out as a self-employed XXXX. I have been using them for years. Twice in the last XXXX  years, they have changed my account to an instant transfer from a free account and charged a 1 % fee on my transfer. 

They claim that I logged in in XXXX to switch to this type of payment option but I have XXXX payments ( XXXX, XXXX, and XXXX ) that were not on Instant Transfer and incurred no fee. However, in XXXX, they charged me the fee and told me that I had selected this option. 

This is technically impossible if I had changed the account in XXXX to have processed XXXX payments that incurred no fee. 

In addition, there is no email notification that the account had changed or a disclosure that a fee would be charged. They withheld the amount from my payment despite them advertising that XXXX transfers were free.
Product: Debt collection

I was up for updating my security clearance for the XXXX XXXX when I was notified that debts were in question. I had documents regarding the other debts. But for XXXX XXXX XXXX and tide waterTidewater Motor Credit, I can't get a reply anywhere haven't received any notifications or mail in regards to this debt, when I've tried calling these companies they either do not give me any information or I can't locate them due to them being bought out by another company.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX  # XXXX, Account name : XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Vehicle loan or lease

The car was broken down and I was told I need to wait months to get it fixed to use warranty I had paid for since the beginning of loan. I put XXXX cash down for car. I was told I was Eligible for refinance and or forbearance of loan while working through getting it fixed. I was in hospital and found out car was repossessed and sold at an auction in XXXX
Product: Payday loan, title loan, personal loan, or advance loan

How does one report predatory loan solicitation? I received what appears to be a check from XXXX XXXX Trustmark National Bank XXXX, XXXX which dtates warning cashing this check will cause you to be bound to repay the loan, including finance charges. Proper endorsement required. Non-transferable. 
Im on a Do Not mail list in addition to the fact that God forbid this ended up in somebody elses mailbox and they tried to cash it or attempted to forge a signature?
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently was reviewing my credit report and noticed that fraudulent accounts reporting. I did not consent to, authorize nor benefit from nay of the following accounts and inquires.
Product: Checking or savings account

I was charged 2 over draft fees. XXXX on XX/XX/ for XXXX $ and second on XX/XX/ for XXXX XXXX
Product: Credit card

My father, the Chase credit cardholder died on XX/XX/XXXX. After the date of his death a credit was posted to his account in XX/XX/XXXX in the amount of {$1000.00} for the failure to deliver goods. I am XXXX son and executor of his estate. I have been trying to get that $ XXXX credit balance since XX/XX/XXXX without any luck. First Chase Estate Services said I needed to wait 120 days, then they sended the check to my old address and for some reason USPS did not forward the check in accordance with my mail forwarding. On XX/XX/XXXX I called Chase to ask about the check and they said it was sent to old address and told me it would take up to 30 days to send to my new address. I have not yet received the check as of XX/XX/XXXX and called Chase back this morning and they said they said check hasnt made it to me because of a backlog and they submitted another request to get check sent to me. Another added confusion is that I have a checking account set up for my fathers estate at Chase and Chase Estate Services refuses to electronic transfer that money to that account. I just want the money that I feel was due to me in XX/XX/XXXX.
Product: Student loan

The XXXX XXXX loan ( 01-01 Stafford Subsidized ) that was taken over by Navient in XX/XX/XXXX is paid off in full as agreed as of XX/XX/XXXX. I have proof from them that shows they collected and applied my on-time monthly payments to that account until it showed a XXXX balance. When they took over my loan balance was {$1900.00}. In XX/XX/XXXX I received a notice ( only one ) regarding a default and collection action. I disputed this. I don't know if they are trying to collect the original {$3500.00} ( - the $ 1900+ paid ) or what. I can't get a straight answer or proper proof of default. Navient did not send any correspondence in regards to payment amount changes or monthly balance statements. Nor was I notified of any default or intent to sell this loan to a " servicer/collection agency ''. Nearly 2 years ( XX/XX/XXXX postmark ) after supposed default and loan transfer did I receive a notice that there was a possible default via an intent to collect notice from XXXX XXXX XXXX. After I disputed this I received a response from XXXX XXXX with a copy of my old promissory note, the original amount {$3500.00} with {$1300.00} principal remaining and the last payment date of XX/XX/XXXX( XX/XX/XXXXpayment ). As of XX/XX/XXXX Navient shows the balance of this loan being XXXX after myXX/XX/XXXX payment of {$150.00}. I went to the website provided in the XXXX XXXX letter that led me to the XXXX XXXX XXXX XXXX site. At the end of XX/XX/XXXX I received a notice from XXXX XXXX XXXX regarding intent to garnish wages. I sent a response to this again disputing a balance and requested all collection actions and harassment cease immediately. As you can see there are 4 different entities ( not including XXXX XXXX  and Navient ) involved here making things very difficult, frustrating and costly both financially and emotionally. I do not run from my responsibilities. That being said I reiterate my earlier statement that this loan, as far as I can see from the proof that I have, is PAID IN FULL as agreed and was never in arrears. Please, I beg of you, help me with this.
Product: Debt collection

XX/XX/XXXX, My roommate and I moved out of my apartment called XXXX XXXX in XXXX XXXX, GA. The leasing office refused a walk-out inspection and said they'd send an inspection on their own time the next day. 

XX/XX/XXXX, we received a bill of {$540.00} of misc. fees from XXXX XXXX. 

XX/XX/XXXX We responded to XXXX XXXX demanding copies of the move-out inspection reports, our original lease, and disputed the charge. We never got any response from them. 

XX/XX/XXXX - XX/XX/XXXX We emailed XXXX XXXX multiple times requesting a response to our original dispute, no response. 

XX/XX/XXXX ( We found out way later on ) XXXX XXXX actually already sent our bill to a collection agency in XXXX named Hunter Warfield by this date, only 14 days after we moved out. 

XX/XX/XXXX Received first call from Hunter Warfield regarding the debt. Again, we contacted XXXX XXXX on XX/XX/XXXX, asking for the same documents and reason for the charge. XXXX XXXX finally responded this time with the documents they should have provided us within 3 business day after we moved out. 

XX/XX/XXXX I found a mistake in my last bill from the {$540.00} bill. XXXX XXXX " mistakenly '' over charged {$87.00} for XX/XX/XXXX in our final water/sewer bill. XXXX XXXX said they would look into it with the utility office. We questioned how come we could use {$87.00} worth of water within one day and demanded investigation into the charge, and also wondered how many times these hiddencharges are overlooked by other tenants and customers. 

XX/XX/XXXX XXXX XXXX emailed and took off {$87.00} from our final bill, admitting that it was an error on the final month of water/sewer. 

XX/XX/XXXX I sent a letter of dispute to Hunter Warfield, claiming that this debt is unmeritorious because the leasing office took legal actions before responding to our dispute. According to the GA code, the renter should always respond to the tenant 's dispute before taking legal actions. XXXX XXXX never provided us the opportunity to inspect the premise within 3 business day. We never got the chance to sign that list, with the statement specifically in writing any items on the list that we would have disagree with. 

XX/XX/XXXX Received a letter from Hunter Warfield saying they would look into the matter with XXXX XXXX. 

XX/XX/XXXX Received a new bill of {$450.00} ( {$540.00} - {$84.00} ) from Hunter Warfield with the {$84.00} deducted from original bill. 

XX/XX/XXXX Received phone calls from Hunter Warfield threatening to report this debt to the Credit Bureau on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the CFPB In XX/XX/XXXX, the bureau ( Consumer Financial Protection Bureau ) found that between XX/XX/XXXX and XX/XX/XXXX XXXX violated the Fair Credit Reporting Act ( FCRA ) and Regulation V by furnishing consumer loan information to XXXX that it knew or reasonably should have known was inaccurate ; failing to promptly update and correct information it furnished that it later determined was incomplete ; failing to provide the date of first delinquency on certain delinquent or charged-off accounts ; and failing to establish and implement reasonable written policies and procedures regarding the accuracy and integrity of information provided to XXXX. 

I have disputed the information on my consumer report with XXXX, XXXX, and Transunion on multiple occasions : XX/XX/XXXX, XXXX XXXXDuring those disputes, I pointed out inaccurate information along with the variation of reporting across the CRAs. The information has continuously been verified or falsely updated by XXXX. 

My most recently dispute in XX/XX/XXXX was accompanied with physical proof that was provided by XXXX XXXX ( who brought the account after being charged off ) along with highlighting of FCRA ( XXXX XXXX XXXX ) violations being committed but still the information was updated.
Product: Credit card or prepaid card

We opened a check and savings account in 2011 and a credit card was issued without us asking for one.
Product: Checking or savings account

On XX/XX/XXXX, a man approached me on the street asking for money to help pay for his daughters funeral. I agreed to give {$20.00}, and he said he had card tap capability on his phone to transfer the money. I watched him type {$20.00} into the transaction and tapped my debit card. Almost immediately after, Capital One reached out to me and asked if I tried to make a purchase for {$3000.00} on my debit card. I replied no immediately, and a minute later I was texted a fraud case # and a phone number to call to provide information. I called that number within 5 minutes and explained exactly what happened. The worker took down notes and sent it in. They also canceled my debit card and sent me a new one. 

On XX/XX/XXXX, the new debit card came in. As I was setting it up, I noticed that the {$3000.00} that was pending to leave my account on XX/XX/XXXX had actually left my account on XX/XX/XXXX. I called CapitalOne 's fraud number and asked what happened. The worker I contacted told me that they had stopped the charge on XX/XX/XXXX, but another came through on XX/XX/XXXX. I don't believe this actually happened, and that the worker was confused. This is because the train tickets I had purchased on XX/XX/XXXX also came through on XX/XX/XXXX. Either way, the worker put in a new case for me under fraud. 

On XX/XX/XXXX, the case decision came back that the transaction was valid, and I was not getting my {$3000.00} back. This was because I had tapped my card myself, so according to Capital One its not fraud even though I only agreed to pay {$20.00}. I eventually spoke to a manager who explained this to me, and she appealed my case under a " claim dispute '' instead of fraud. At this point, I sent in screenshots of the text Capital One sent me, where I confirmed within the minute I did not agree to this transaction, along with screenshots from that day complaining about what had happened. 

On XX/XX/XXXX, the decision came back that my appeal was denied. I was told even if I filed a police report, Capital One will not change their mind. 

I think its egregious that Capital One flagged that this was a suspicious transaction, I told them it was a suspicious transaction, and they still let the money leave my account and refuse to right this wrong. Clearly I got scammed, and I immediately told them this before the money had left the account. The fact that they will not review their decision in the face of a police report, or even that they won't take into account my transaction history ( which shows I have never spent this amount of money except to put a down payment on a home ), is insane.
Product: Mortgage

I sold my home with closing completed on XX/XX/XXXX. I received a confirmation letter from the mortgage holder, XXXX XXXX, dated XX/XX/XXXX that the account had been paid in full. A follow-up letter dated XX/XX/XXXX from a national clearinghouse in New Jersey confirmed all liens had been cleared. On XX/XX/XXXX I received an e-mail from Mr. Cooper claiming my mortgage account transferred to them on XX/XX/XXXX. The e-mail provided instructions on establishing an online account and automatic payments. Calls to Mr. Cooper and XXXX   XXXX  failed to gain resolution. On XX/XX/XXXX I received a letter from Mr. Cooper with a statement and a bill for mortgage payment on XX/XX/XXXX for the home which was sold on XX/XX/XXXX. Again a call to Mr. Cooper failed to gain resolution. I need for Mr. Cooper to cease these communications and close all references to this closed account.
Product: Mortgage

On XX/XX/XXXX I had a pipe burst in my house that caused a lot of water damage. My insurance company quickly handled the issue and by the XX/XX/XXXX I had the check for the damage in the amount of {$6700.00}. The check was made to myself and the mortgage company. I contacted my mortgage company on XX/XX/XXXX and asked them the process they said they would send out the appropriate forms and that I would need to send the check and the signed forms back to them. By XX/XX/XXXX I still had not received the forms so I called and they sent them again. On XX/XX/XXXX, I still had not received either set of mailings and called back. Someone faxed me the form to complete. On XX/XX/XXXX, I sent the signed form and loss draft in an express two day envelope with a prepaid one to send back. The check was delivered on XX/XX/XXXX, and I had it back to my house on XX/XX/XXXX. When I opened the envelope I found that the check had been stamped but not endorsed. I contacted them again on XX/XX/XXXX where after about 15 minutes of asking other people they confirmed that I needed to send the check back to them again because it needed to be signed. On XX/XX/XXXX, I sent the check with another prepaid envelope to send back. It was delivered on XX/XX/XXXX, I just called to get the status and they said the " process '' could take until Friday XX/XX/XXXX. They could not give me any other information. I just want to be able to fix the damage in my house.
Product: Debt collection

I have no idea what this is never seen it on my credit report until this year. This not my debt collection and I believe it to be fraudulent.
Product: Credit reporting or other personal consumer reports

I noticed these problems on XX/XX/XXXX, XXXX XXXX XXXXXXXX Account Opened XX/XX/XXXX Account Balance {$260.00} XXXX Account Opened/ Date Assigned XX/XX/XXXX Account Balance {$1100.00} XXXX  Account Opened XX/XX/XXXX Account Balance {$930.00} XXXX XXXX Account Opened XX/XX/XXXX Account Balance {$310.00}
Product: Debt collection

They would text me on a daily and threaten me. They would call me every other day now I noticed on my credit report. They have like four different amounts that they say I owe
Product: Student loan

Subject : Immediate Action Needed : Approve Outstanding Borrower Defense Applications To the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, We are writing as a collective group of defrauded students and alumni who attended XXXX schools, urging immediate action to approve outstanding Borrower Defense applications and provide full relief for those impacted. 

Many of us attended the following institutions owned by or affiliated with XXXX, where misrepresentations and predatory practices have been well-documented : * 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 XXXXXXXX Department of Education has already found significant evidence of misconduct by these schools. Specifically, XXXX XXXX misrepresented job placement rates to prospective students between XXXX and XXXX, falsely claiming that 90 % of graduates secured jobs in their field of study within XXXX months of graduation. This claim, widely advertised in national campaigns and direct mailings, was later revealed to be grossly inaccurate. XXXX included old jobs held by mid-career students before enrolling and excluded graduates who found employment outside their field of study. 

At its peak, XXXX enrolled nearly XXXX students across campuses in XXXX states and through an online program accessible nationwide. The scale of this deception has left countless students burdened with unmanageable debt and limited opportunities, as documented in the Department XXXX XXXX XXXX XXXX XXXX Summary and Statements of Facts. 

We are asking you to take immediate steps to : XXXX. Approve all outstanding XXXX XXXX applications for students who attended these institutions. 
XXXX. Discharge all loans associated with fraudulent practices, including consolidated loans. 
XXXX. Repair borrowers credit reports to reflect the removal of these fraudulent debts. 

Delaying action only prolongs the harm caused by these predatory institutions, leaving borrowers unable to move forward with their lives. Many of us pursued higher education to achieve the XXXX XXXX, but this dream was stolen by the very institutions we trusted to help us achieve it. 

We implore you to act decisively to ensure justice for all borrowers who were misled and exploited. The stakes are simply too high to risk further delays. 

Thank you for your attention to this urgent matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have been trying to resolve a debt generated by identity theft with debt collector Hunter Warfield. They contacted me XX/XX/XXXX regarding a defaulted rental agreement to the amount of {$1500.00}. This is not by debt and the result of someone forging my name using docusign on the rental agreement. I have spent several frustrating phone calls, written letters stating this wasn't me and was a forgery generated in docusign. I have taken the CFPB 's recommendation and have contacted my local police department to report this identity theft. I have also run a credit report and see that Hunter Warfield ran a credit check on me last year XX/XX/XXXX. The local police dept. recommended Hunter Warfield contact them with the case # if they want to see the report. Hunter Warfield told me over the phone they don't do that and will not close out this debt. This does not sound legit and I am afraid Hunter Warfield is trying to use this fraudulent debt to ruin my credit report if I don't pay them.