23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft, I have a FTC report which I will include in the document. I also sent this document to the credit agencies and they have been aware of this but, they are still showing it on my consumer report. It has been over the time period for allowed investigation and they still are reporting it. At this point they are intentionally reporting inaccurate information or not properly investigating and it has tremendously cause emotional and financial XXXX  and XXXX.
Product: Student loan

I recently submitted a complaint with the CFPB about my federal student loans form navient. I asked for 40 % reduction on my student loans because my school was closed down due to false advertising and other laws that were broken for the For profit school XXXX XXXX. I submitted the response from the CFPB to navient along with the school loan application and was denied because I did graduate the school. Although I did graduate it still does not take away the XXXX payment that navient is asking me to pay monthly or the other loans that I had to take out while attending this school. it was over XXXX XXXX given back for the students that were affected and I was one of the many students effected by the XXXX scam and I feel I am entitled to my 40 % reduction.
Product: Debt collection

To my knowledge the company I talked to about paying my balance in installments of {$50.00} was XXXX, not XXXX. Now diversified consultants ( on the behalf of XXXX XXXX tried to access my account for {$50.00}. I was told they would only access it once if not successful I would have to call to set up another payment. Instead they kept charging my account first the {$50.00} then {$10.00} overdraft fee, pushing my account to a negative $ XXXX. I was in between jobs waiting for my first check and it took a dent out of it before I even got it. I tried calling they put me on hold and never came back. A XXXX time they sent me to a voicemail and never called back. I even sent a message and I still have n't gotten a response. I do n't even remember giving them my account number I thought it was XXXX I do n't know I could be mistaken. Either way I ca n't even get in contact with them to be provided proof or documentation, of anything. I now have to change my account number, because they just keep going in my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

My vehicle was a voluntary repossession in XXXX. The company has continued to report late payments and repossession status on my credit for at least the last 24 months. The same company has also recently and fraudulently pulled my credit as it was done without my consent. There is an inquiry on my credit report from them dated for XX/XX/XXXX. The vehicle was returned to them in XXXX. I only consented to have them access my credit during the application for the auto loan in XXXX. No there time have I ever consented to them accessing my credit. The fraudulent activity has had a negative impact on my credit for the last 4 years. In addition to the items list above, the balance listed on my credit is also incorrect as the vehicle has been sold in an auction in which the company was able to recuperate a portion of the balance of the loan.
Product: Debt collection

I received a bill from XXXX XXXX XXXX XXXX XXXX for itemized charges of two appointments that were not sent to medical insurance. I was an employee working at XXXX XXXX XXXX XXXX XXXX at the time of the charges. The first charge was for a covid-19 shot that was provided to every employee during an employee vaccination clinic which was free of charge to employees. XXXX XXXX XXXX XXXX XXXX billed me for this vaccine. The second set of charges were for a medical appointment which I received an itemized bill for provider visit and urinalysis. Based on the medical insurance, I should only have been charged for a copay but instead received an itemized bill where the company is trying to collect more than what is actually owed to them. I attempt to contact their billing department via phone multiple times and left multiple voicemails asking them to please bill my insurance before I would pay the bill, but I didnt receive any calls back. I sent XXXX XXXX XXXX a check for {$20.00} for copay, which XXXX XXXX XXXX did cash. They subsequently have sent the remaining bill with the incorrect charges to two different collection agencies. I just received the letter form the second collections agency yesterday. I had sent a letter to the first collections agency asking for verification of the debt and to provide proof that the insurance was billed, but they were not able to provide this information and instead sent me another copy of the incorrect itemized bill. The debt should be satisfied by the {$20.00} check for copay that XXXX XXXX XXXX cashed. The insurance copay covers the provider visits and urinalysis test done. I do not owe a debt for the covid-19 vaccine because I was an employee working at the XXXX XXXX XXXX at the time that I received the vaccine at one of the XXXX XXXX XXXX internal employee vaccine clinics. My medical insurance was on file with the company I properly checked in with their front desk staff.
Product: Credit reporting, credit repair services, or other personal consumer reports

Notice, it is a fact, affiant is aware pursuant to XXXX XXXX Code XXXX ( a ), if I, the consumer, provides a consumer reporting agency, such as, Experian, XXXX and XXXX, XXXX appropriate proof of the identity, a copy of an identity theft report, and a statement by I, the consumer stating the information in connection with the below listed accounts is not relating to any transaction by myself, Experian, XXXX and XXXX is XXXX to place a block on my consumer report on the information associated with the accounts listed above. This information would not be blocked in error, if I feel there is misrepresentation or there was any possession of goods, services, or money obtained please send me a statement signed under the penalty of perjury with evidence of this counterclaim. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX, I made a withdrawal of {$81.00} from an ATM in XXXX. After revising my account a few days later, I saw that there were 4 more withdrawals of {$200.00}. This making a total sum of {$820.00}. I filed a dispute with the bank and they are claiming that they will be taking back the credits because the withdrawals were made with the same card. I did not make those withdrawals. To my knowledge, no one else had access to my card. This withdrawal was made from a XXXX XXXX ATM in XXXX from a Capital One Account.
Product: Debt collection

On Decemebr XXXX I was contacted XXXX XXXX XXXX XXXX stating that I owed {$1600.00} for a Wells Fargo Bank account that i had XXXX years ago trying to collect a debt. stated that i was being sued and was going to jail. They sent me a letter stating if I made a payment the billing descriptor would appear as XXXX XXXX XXXX XXXX. I researched this company and found out that they were scamming people.They told me this account was on my credit report and I know its not because i just brought a home. They were trying to scam me and this company should be shut down
Product: Vehicle loan or lease

I am trying to get it removed off my credit I am XXXX on XXXX I dont have the money to pay the loan it will take me a lifetime and I will be XXXX and gone and still off I can not pay this so I asked the company can they please remove it off my credit they will not remove it I am struggling its a lot of pressure on me and my finances please please remove off my credit thank you.
Product: Credit reporting or other personal consumer reports

My credit report is showing inaccurate information that is concerning me. The inaccuracies with my name and address are causing verification issues and affecting my ability to get credit. This is a violation and I demand that these errors be corrected by you
Product: Debt collection

I sent a letter to Resurgent on XX/XX/2023 asking them to validate a debt they claim that I owe. On XX/XX/23i received a letter in the mail that did not validate or even respond to the letter I sent them. Below I have attached the letter that I sent them as well as the letters that I received in response
Product: Credit card or prepaid card

I will continue to file complaints until this is resolved. Let me know if you need the police report number. 

On XX/XX/2022, I was forced to send {$600.00} on cash app to cash app name XXXX  XXXX ( XXXX ). I was held against my will and had to reach out to get the money from others on cash app. The police were called and he was arrested. Additionally, he stole my car keys. My cash app name is XXXX  XXXX ( XXXX XXXX XXXX is my name that is listed there. I have the police report number which I've offered to provide to cash app. They have been unwilling to assist ; however, I do not believe he should keep my money after it was forcefully taken during the act of a crime.
Product: Credit reporting or other personal consumer reports

This is my numerous endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/2023 XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$130.00} XXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX  XXXX Balance : {$0.00} XXXX XX/XX/2023
Product: Debt collection

I was called by someone from Receivables Performance about a XXXX bill in collection. I told the person that it was the result of identity theft in the fall of 2020, and that police reports and FTC complaints had been filed. They then placed it with XXXX. I disputed it with XXXX, and they removed it. 

Today I received another call from Receivables Performance saying that he didn't think it was identity theft, and that I'd have to prove it. I asked him what else I could do to prove it, and he told me he did not know. 

I tried to contact XXXX  but there are no links or phone numbers to report fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get all three credit bureaus ( Transunion ) ( XXXX ) ( XXXX ) to take these four things off my credit report. I have been trying for years for them to remove these items ; ( XXXX ), XXXX XXXX XXXX Account Number... XXXX Merchant XXXX XXXX Outstanding Balance* ... {$0.00} US Department of Education XXXX XXXX I need these to be removed off my credit report so I can purchased a home. They are talking about giving me a high interest rate. They will change it once I get these things removed. I want to purchase a home and this is what I need removed. I hope we can rectify this problem right away!
Product: Credit card

Someone tried to open an account in my name at Old Navy ( Barclay Bank ). I contacted the credit card company and notified them these were opened without my permission.
Product: Mortgage

Shellpoint Servicing escrows for my insurance and property taxes. Shellpoint has been taking money to pay my property taxes, but has not done so. As a result, I received a Delinquent Tax Notice ( see attached ) from the city, which added on Interest owed as a result. I reached out to Shellpoint last week ; they said it would be addressed by the end of last week, however I just checked and the tax payment still remains outstanding.

Shellpoint has caused other problems with my other mortgages that they service in the past, including where they were escrowing for insurance and did not pay for my insurance, then sending threatening notices about not having insurance paid on my property ( when they themselves are escrowing for it! ) There seems to be systemic issues at Shellpoint around escrowing and making proper payments. They unapologetically act in a reckless manner.
Product: Debt collection

The property where the utilities were provided was sold. I contacted XXXX after the sale of the house to cancel via telephone. They said that the account was closed however the following month I received another bill so I called once more to have the account closed. The following month, I still received a bill. I then sent an email to XXXX customer service stating that this account needed to be closed because I sold the property and have not lived there even months before the sale. I even included a copy of the closing statement. I once again tried to contact someone in management and missed the " 1 '' return call which left a voicemail to call back and speak to anyone. When I called back the number from the voicemail I was instructed that I needed to leave a voicemail and wait for a return call. Up to this day I have not received a return call but I am being harassed for a bill on account that I have requested to be closed multiple times due to the sale of the property. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi my name is XXXX XXXX and I'm submitting this and this isn't any influence and this is not a third party. XXXX, XXXX and Equifax has low and unfair credit number for me in their reports. I have complained. The problem has not been resolved. my fico has me at a credit score over 719 XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX XXXX  my fico say I have good credit. What the heck is going on here. I have almost no debt and my identity was stolen causing my score to drop and I made this clear for 60 days straight with XXXX, XXXX, and Equifax when I spoke to a representative agent for XXXX name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rep but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. 
They refused or were unable to verify and remove the inquiries and its been 60days and they record the calls and admitted they had my police report, ftc, and affidavit. That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer and now I'm XXXX  and can't provide for my children PLEASE HELP ME PLEASE and I'm XXXX  now.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX is reporting an account in my name as an authorized user. I have tried to call them and get my name of the account. They did not want to give me any information on the account. Please delete this item from my report
Product: Checking or savings account

I transferred money from my XXXX to my Robinhood on XX/XX/year>. I provided the documentations required to approve my account so I can withdraw my money. Customer service keeps disconnecting me on purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXX XXXX XXXX XXXX : {$160.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote a letter on XXXX XX/XX/XXXX to TransUnion XXXX XXXX XXXX   XXXX XXXX, XXXX, and the XXXX  Dispute Department. The letter said, " This account is past the statute of limitations for the state of Florida. Delete this account immediately. If this account is not deleted please sent me foreclosure documents to include a copy of all documents that was used as the method of verification for this account. Please send the documents that include all original signatures, send my complete payment history, send my balance history, send any insurance accounts, send my interest rate disclosures, and send my payoff disclosures. This account is past the statute of limitations for the state of Florida. Delete this account immediately ''. 

I also wrote a letter on XXXX XX/XX/XXXX to TransUnion XXXX XXXX, XXXX   XXXX XXXX, XXXX, and the XXXX  Dispute Department. The letter said, XXXX last active with TransUnion shows XXXX XX/XX/XXXX, and XXXX  shows date last active as XXXX XX/XX/XXXX. TransUnion shows XXXX late for XX/XX/XXXX, and XXXX  shows this paid on time for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Update this account to paid on time for XX/XX/XXXX through XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of accounts which do not belong to me or were opened without my permission. 

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

Credit Control LLC. XXXX XXXX XXXX XXXX No XXXX and XXXX XXXX XXXX XXXX MI XXXX. 

Credit Control LLC. started calling me daily once the stimulus checks were announced XX/XX/XXXX-XX/XX/XXXX daily and then sent letter stating they would garnish my tax return/stimulus check for the so called amount owed for a debt by XXXX XXXX XXXX without presenting any proof or information other than amount due {$1300.00} with no credit information or address. I have sent them my response but PO Boxes do not accept Certified mail.
Product: Debt collection

A debt of {$17000.00} is trying to be collected for an apartment I've never lived at or applied for.
Product: Debt collection

The account was closed in 2021 stated by the representative. There was no verification that I owed this debt. No physical documentation was mailed to me with my physical written signature. 

XXXX
Product: Checking or savings account

Opened new checking account on XX/XX/XXXX, at which time institution was offering {$200.00} bonus for new accounts that were opened, had a {$300.00} direct deposit. Terms indicated that bonus would post within 60 days of account opening. However, 60 days has elapsed and no bonus has been given, although all terms have been met.
Product: Checking or savings account

This account was opened without my knowledge and now I cant open a regular bank!!!
Product: Debt collection

I have a unverified account from MIDLAND FUNDING LLC. I have previously disputed this account several times as they have been illegally harassing me for many years at this point. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I request that MIDLAND FUNDING LLC Cease and Desist all further communications. MIDLAND FUNDING LLC needs to immediately remove/delete this account from my credit report with ALL three credit bureaus and stop ALL contact with me. Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. Section 805., they are hereby notified to CEASE AND DESIST all further communication with me in regard to the referenced debt. Failure to abide by this law will result in a complaint being filed against them with the Federal Trade Commission, the Attorney General of both their state and mine, and also their own company management. I also have the right to file suit against them for any future violations of this law. I will record any and all phone calls if they fail to comply with this CEASE AND DESIST. This has been going on for far too long and has caused a multitude of stress for me and my family over the years. It needs to stop now!
Product: Debt collection

Collection company still not corrected credit report for debt no longer owed to XXXX XXXX XXXX for an unforeseen life threatening medical issue I had.
Product: Credit card

I've always ensured that payments on this account are made on time, never allowing them to become overdue. I'm uncertain about the reasons for reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error should be corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company or Organization : XXXX XXXX  {$950.00} XXXX. XXXX, XXXX {$140.00} Company or Organization : XXXX XXXX XXXX {$370.00} all federal trade commission violations reason attached and : In its complaint, the FTC alleges that XXXX  failed to secure the massive amount of personal information stored on its network, leading to a breach that exposed millions of names and dates of birth, Social Security numbers, physical addresses, and other personal information that could lead to identity theft and fraud ... XX/XX/XXXX Fair Debt Collection Practices Act violations specify that debt collectors can not contact debtors at inconvenient times. ... The FDCPA makes it illegal for debt collectors to use abusive, unfair, or deceptive practices when they collect debts. Debt collectors can attempt to reach debtors at their homes or offices.XX/XX/XXXXThe penalties for violations of HIPAA Rules can be severe. State attorneys general can issue fines up to a maximum of {$25000.00} per violation category, per calendar year. OCR can issue fines of up to {$1.00} XXXX per violation category, per year. Multi-million-dollar fines can be and have been issued.XXXX XXXX, XXXX all hippa and FTC violations