23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Hi, I looked into my credit info and found a dept from XXXX XXXX XXXX Harris & Harris LTD. I have reached out to XXXX and they said they found no account with my name. This is fraud as I have no idea who or what account was involved. I have never used XXXX XXXX or given any permission to use it.
Product: Debt collection

In the past, I have received debt collection notices from other debt collectors for XXXX XXXX, which is missing a letter from my name although they are similar so I keep receiving this person 's debt collection notices. In the past companies have disclosed that my SSN is one number different than the individual in question. In the past, the debt collection was from XXXX and CFPB helped with resolving the issue because the company was still sending notices after I disputed it. Now I receive another letter from Linebarger Goggan Blair & Sampson, LLP regarding unpaid tolls and penalties that are owed to the XXXX XXXX XXXX XXXX. I keep receiving debt collection notices regarding this XXXX XXXX, who is not me. This letter has a reference # XXXX and account # XXXX. The debt collection amount is {$100.00}. I would like to resolve this issue and stop receiving debt collection notices for another person debt. This has affected my credit in the past and as a service member, I need to ensure my credit is good. I have called the number on this letter and the man did not help and just I had to dispute it with proof, but I can't provide that without disclosing my personal information like SSN.
Product: Checking or savings account

US Bank is not honoring the bonus of {$400.00} even if maintained the salary deposit of $ XXXX for 3 months. Called multiple time and confirmed that Bonus code was correct, visited office at well at XXXX XXXX. 

Initially got some response, but past few weeks no response of my email. Please help me here, as I have blocked my money for more than 4 months to get the bonus.
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and remove them immediately in my report : 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: Mortgage

THE MORTGAGE WAS WITH XXXX XXXX XXXX, THE XXXX, THEN GREEN TREE, THEN DITECH FINANCIAL ( DITECH IS NOT RESPONDING ). 
DITECH IS THE LAST LENDER WE HAVE HERD FROM AND THAT HAS BEEN. 

THEIR WEBSITE DON'T WORK, THEY DON'T ANSWER THE PHONE. 
WE HAVE TRIED TO REACH OUT THE FC ATTORNEY WITH NO RESPONSE YET. 
COMMUNICATION HAS BEEN LACKING, AND WE HAVE FUNDS TO MAKE OUR MTG CURRENT. I WANT TO MAKE MY MTG CURRENT, BUT HOME NO ONE TO TALK TO. 

IT HAS BEEN 3+ MONTHS SINCE WE HAVE HERD FROM ANY ONE.
Product: Credit card or prepaid card

I have this credit card that keep inflating my payments, which in turn increases interest and late fee charges! At first it started out as a normal transaction with them ( which was affordable ) now it has gotten out of reason. date new balance past due amt minimum payment due XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

After filing a complaint with the CFPB ( XXXX ), ACIMA responded that the refund had already been processed via check and emailed me the lease-purchase agreement I requested. In their response, ACIMA stated that the refund was requested on XX/XX/XXXX and had already been processed. I just spoke with customer service and the finance people who know say ( today is XX/XX/XXXX ) that the refund was only requested on the XXXX of XXXX ( which conflicts with the response they provided to me via the CFPB ) and it would take 7 business days to gain approval for the check. They stated they had until the XXXX of XXXX. On the XXXX of XXXX, the check will be mailed out and it will take " 25 business days to reach you ''. US Mail does not take 25 business days to reach anyone within the continental United States. Moreover, in their response, they indicated that the original payment method on file was no longer active and that's why they offered a check. I added that method back after I received the response ( the payment method on file was from the same back, but they wanted the other checking account number ). When I told the gentleman in " Resolutions '' that the original method was on the account and since the check still had not been approved, processed, or sent to me, then he could send me the refund via ACH. He told me that the process could not be stopped. Then, once again, he said they couldn't issue the refund via ACH because of the amount ( which is a totally different reason than Acima 's resolutions department stated in their response to the CFPB ). Now, they expect me to wait nearly two months to receive a paper check from them. Every time I call, they change the dates of the refund request, the length of time it takes to process the refund, then add additional steps in a never-ending process meant to delay the refund as long as possible.

I will attach their response to my original complaint. Additionally, they responded to my complaint with the XXXX XXXX XXXX  using the same response letter they used for the response to the CFPB. I will attach that document as well.
Product: Debt collection

This debt collection company just recently inserted a debt for {$290.00} for creditor XXXX under account number XXXX. I have cut and pasted my original dispute with this creditor from 10 months ago. I have no knowledge of debt/fraud. The original creditor should have notated this in the records or the collection agency by accident listed this account on my reports. 


XXXX XXXX, XXXX Completed XXXX Reported on XXXX XXXX, XXXX {$290.00} Item Results Result : Deleted - XXXX has deleted the account or record from your XXXX credit report. 
Dispute Reason Ownership : This account was fraudulently opened by someone who stole my identity.
Product: Money transfer, virtual currency, or money service

AS OF XX/XX/XXXX THE XXXX XXXX HAS NOT RECEIVED THE HHL HOLD HARMLESS LETTER THAT THE CHASE BANK SAID WAS EMAILED TO THEM ON " XX/XX/XXXX '' FROM THE CHASE EXECUTIVE OFFICE. 

Please email HHL to XXXX and cc XXXX XXXX, the branch manager of XXXX XXXX XXXX and cc me XXXX. If ccing is not possible, please provide other proofs of the successful delivery. 

Please provide an email or phone for XXXX XXXX to contact Chase to resolve this. 

" AS OF XXXX XXXX XXXX THE XXXX XXXX HAS NOT RECEIVED THE ( HHL ) " HOLD HARMLESS LETTER '' THAT CHASE BANK PROMISED TO SENT IN XXXX. XXXX XXXX stated to me you can send it by email at - XXXX and can also fax it to them at - XXXX XXXX. I would also like to receive a copy of the HHL at email - XXXX. '' " I was the victim of a scam and coerced into wiring {$210000.00} from my Chase bank account on XX/XX/XXXX. I realized I was scammed and reported the fraud to both Chase bank and the beneficiary bank, XXXX XXXX XXXX XXXX never released the money to the scammer after I reported the fraudulent activities. XXXX XXXX said they would return the funds to my Chase account once a " Hold Harmless Letter '' was received from Chase Bank. I contacted Chase bank more than six times both via written secure messages on the Chase online account, verbally via phone and in person at branches. The Chase Customer Service reps claimed the Hold Harmless was sent to XXXX multiple times. On XX/XX/XXXX Chase notified me they had closed the case and didn't mention anything about my previous communications with them, nor the Hold Harmless letter they promised to provide. My {$210000.00} is still held in XXXX XXXX  and waiting for the Hold Harmless Letter from Chase bank to return to my account at Chase bank. ''
Product: Credit card

Subject : Formal Dispute Regarding Increase Rate Dear To Whom It May Concern I am writing to formally dispute an increase rate by Capital One I suspect fraud. The issue in question pertains to having an extreme increase of rate after balance/ credit limit which is why Fair Credit Billing Act protects me from fraudulent credit charges.

After thoroughly reviewing the matter, I believe there has been an error due to the following reasons : Increase rate without my acknowledgement which goes against the Fair Credit Billing Act and also Credit Card Act of 2009 Decreased my credit score There has been an abuse of my Consumer Credit Protection Act and To resolve this issue, I request to delete credit off my credit report.

I kindly ask for a written acknowledgment of this dispute within 15 business days and a resolution to the matter within 30 business days.

Thank you for your attention to this matter. Should you require further details or documentation, please contact me at your earliest convenience. I look forward to your prompt resolution of this issue. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Hello, I have recently noticed fraudulent activity on my credit reports. What I have found, has led me to believe I may be a victim of identity theft, as I did not approve any information to be used in my name. I am requesting that these fraudulent items be deleted from my credit report at your earliest convenience. I actually have a security freeze on my accounts which should have alerted me prior to my credit being ran. I did not receive any notification or alert to my credit being ran for these accounts which is concerning. These fraudulent items are reporting inaccuracies which is directly impacting my relationships with creditors as I am going through the home buying process. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit in regards to this incident. PLEASE REMOVE THE FOLLOWING INQUIRIES ASAP : 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 XXXXXX/XX/XXXX
Product: Student loan

My lender has locked my access to the account., Online and on the phone. They want {$50.00} direct draft from my bank account to place on deferment. I get calls multiple times a day from different numbers and they are all Navient collectors. They refuse to take a check or money order for payment. They refuse to discuss payment options until I give them my routing number. I also was unable to print my tax information because my account is locked.
Product: Credit reporting or other personal consumer reports

I have requested an investigation into this account twice, and both times I was informed that the report was accurate. However, my credit report is still not accurate. The account numbers differ across the bureaus : XXXX shows XXXX, while Experian and XXXX XXXX XXXX. Additionally, XXXX lists the account as a XXXX XXXX  account, but just last month it was labeled as an XXXX XXXX XXXX account. How is that possible if all reporting agencies get their information from the same source? There is no way this is accurate. I will attach screenshots as proof. 

You have failed to properly investigate this account twice, which is hindering my ability to obtain credit.

15 U.S. Code 1681e ( b ) states that consumer reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information in consumer reports. 

I demand that you delete this account immediately. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act, this creditor has violated my rights. Under XXXX XXXX XXXX section XXXX, states I have the right to privacy. XXXX XXXX XXXX section XXXX section XXXX, it also states a consumer reporting agency can not furnish an account without my written instruction. Under XXXX XXXX XXXX a creditor XXXX not treat a payment on a credit card account under an open and consumer plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Any deviation from these standards could jeopardize the integrity of the data you provide, which is a serious issue. Therefore, I urge you to ensure that all the information you have provided is accurate and properly formatted. The claims noted in your report are disputed and have not been confirmed as facts. I also request that you take care of any false accounts on my credit report and fix this issue as soon as possible, as it could have financial implications for me if left unchecked. I can not accept anything less than 100 % accuracy on my credit report. I demand that only factually accurate, verified, and compliant data is documented in my credit report.
Product: Mortgage

Over the past several years I have been trying to fix my mortgage to a reasonable payment. Due to XXXX stating they did not receive documents or having to resubmit documents, the modifications too much longer than it should have. One modification took over a couple years. All this time XXXX had been adding fee 's interest, penalties, and attorney fee 's. My Original Mortgage of XXXX is now over XXXX. Now XXXX wants monthly payments of over 3200.00 per month. I have requested all my loan documents and a detail list of all charges and interest charged to my mortgage several times. still have not received anything.
Product: Credit card

I just noticed that my. credit limit balance was change by more than {$3500.00} over the past XXXX months. 

Account info Account number XXXX Open/closed Open Date opened XXXX XXXX, XXXX Account type Credit card Credit Limit Decrease XXXX  XXXX XXXX XXXX decreased Between XX/XX/XXXX and XX/XX/XXXX, the limit on your XXXX XXXX credit card XXXX XXXX {$2800.00} from {$7100.00} to {$4300.00}. My account has never been late or over the limit. This has affected my credit score by stating Im using over XXXX  % of my credit when I was only using about XXXX  %. This should be investigated as either illegal or racist.

A drop in your credit limit can lead to a higher Credit Card Utilization rate, even if your balance doesn't change. Generally, you should try to keep your total balances below XXXX  % of your total credit limits, so you XXXX want to consider spending less with this card to adjust for your lower credit limit. 
Balance Decreased XXXX XXXX account balance decreased Between XX/XX/XXXX and XX/XX/XXXX, your XXXX XXXX  credit card balance decreased by {$2500.00} from {$6700.00} to {$4100.00}. 

You lowered your balance ( great job! ). Unfortunately, your balance didn't change enough to lower your Credit Card Utilization rate. If possible, keep working on getting your balance to less than XXXX  % of your limit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. Please see the attached documents relating to this case and completed identity theft affidavit. Also, please refrain from reporting and block all information resulting from this case pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that this information must be removed within four business days of receipt.
Product: Credit card or prepaid card

A charge of {$120.00} was made to my Jcrew card on XX/XX/XXXX, and an attempt for another {$400.00} was made. I got a text message for the {$400.00} and declined it. 
I have tried to call Comenity Bank, who issued the card, and their offices are closed all the time, despite my calling every day between XXXX XXXX  to XXXX. I have called 6 times. I have tried to secure message them online, and they say to call their fraud number. 
I have talked to the Jcrew sales representative, and the purchase was made in New York even though I live in Texas. I have my drivers license here, and my Jcrew Card here in Texas. So someone in a Jcrew store in New York is a thief, because they are supposed to ask and see either the JCrew card or my drivers license from customers. the card can only be used at Jcrew stores or online.

Furthermore, if my card was used, I should be able to see the purchase in my purchase history on my online account and I can not.

Jcrew can not help me in crediting the {$120.00} and they can not get a hold of anyone at Comenity Bank either. 
so I have this charge which I did not make, and I can not get a hold of anyone who can help. 

Furthermore, the Jcrew card has no card number, so how will I be sure this does not happen again. How can the card be cancelled or reissued if there is no card number?
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : Private 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, XXXX, XXXX, and Equifax, credit reporting agencies, 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 XXXX XXXXXXXX XXXX  on XX/XX/XXXX under the account number XXXX, another credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, another auto loan account opened at XXXX on XX/XX/XXXX under the account number XXXX, and a personal loan account opened at XXXX XXXX on XX/XX/XXXX under the account number 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 accounts in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the fraudulent items. I do not recognize the 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 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 US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

I received a court summons on XX/XX/2018. I immediately called the law firm representing the debt collector in order to establish a payment plan for the debt. I made my first payment that very same day. 

During the phone call, I was concerned about the continuation of this lawsuit and a judgment being held against me for the debt, so I asked the representative on the phone if I should answer the lawsuit or not, and she advised me to not file an answer, since I just agreed to pay monthly. 

I offered a settlement via email to the law firm two weeks ago of roughly half the amount of the debt and it was never answered.

I just called the court today ( XX/XX/2018 ) to confirm the lawsuit was dismissed, and the court confirmed that the law suit in fact had NOT been dismissed and I only have one business day left to submit an answer to respond to the law suit. 

I called the law firm today as well ( XX/XX/2018 ) right after and inquired about my debt, the law suit, and if they would be willing to submit a voluntary dismissal because I am making monthly payments and have agreed to pay my debt. They refused and repeatedly stated they want a judgment from the Court against me. I am unsure wether or not my monthly payments are actually going towards my debt, or if my payments are being made in vain.

The law firm did offer a letter stating my balance of my debt. That doesn't help me and still doesn't explain or confirm what the law firm will do once my debt is paid. 

I wanted, in writing, an agreement with the law firm and their client, to dismiss the law suit in exchange for me making monthly payments, and they said they would not do that. The representative also stated that the lawsuit will remain open and that they will continue to pursue the judgment wether I make the payments or not. I don't know if they have updated my balance with the court after making my first payment.
Product: Credit reporting or other personal consumer reports

I've complained about being a victim of identity theft. You must remove any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXXXXXX 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: Credit reporting or other personal consumer reports

Equifax needs to immediately delete the negative XXXX information off of my report. Pay me the {$400.00}, a sign on bonus that I was not able to attain because I was denied the credit card I was applying for. Equifax intentionally reported FALSE information without any documentation/proof/evidence and would not remove it even after I explained that XXXX had removed the info from their report. I requested they read their owne report. All creditors are paid in full either early or on time. Obviously if there is only one company reporting I owe them money and all the other companies for many years show consistently being paid in full all the time, ( something is not right. ) Between Equifax and the useless CFPB, I was told the reporting agencies don't have to provide documentation. They both suggested I hire an attorney of which they had referrals for. CFPB said I could call XXXX because the make the rules that don't mandate that documentation be provided to put in your file proving the slanderous comment. Understand that Equifax sent me a XXXX XXXX  report from their investigation and did not include any documentation from XXXX of whom I was a customer on auto pay for more than XXXX  years.
Product: Consumer Loan

We were turned down for a loan by Ally Bank for an RV. 
Our credit score was over 800, we own our home, and never missed a payment. 
I suspect age discrimination. We are retired. 

Another lender approved our loan.