23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am in receipt of a debt collection notice dated XX/XX/XXXX for the amount of {$340.00} being a XXXX XXXX bill from XXXX from ARstrat. This was previously sold to a different credit collection agency As mentioned to the previous debt collection agency, I do not have any knowledge of this amount. In XXXX my provider recommended lab services that I never authorized. When XXXX tried to call the provider, the provider had left the practice and there was no forwarding address. I did not give any authorization for these services and have informed XXXX XXXX many times. This amount is on my credit report fraudulently and should be removed. 

I do not have any knowledge of these charges and I am not responsible for these charges. I have never owed XXXX XXXX for any services and would like your office to stop contacting me.
Product: Credit reporting or other personal consumer reports

I have been contacted constantly and threatened with legal actions for an account I have no knowledge of. I was contacted by phone, credit report, mail and email. Call and email occurred on XX/XX/year> by XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the XXXX credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
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
Product: Money transfer, virtual currency, or money service

I was the victim in an impersonation scam and lost my money on XXXX. Neither XXXX nor Capitol one stopped the transfer when asked or have given me the information to send to the FBI to investigate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint case # XXXX To The Ladies and Gentleman of The Banking Commissioners Office, CFPB, Director XXXX XXXX, Acting Deputy Director and to my neighbors and countrymen.

For all practical purposes, the commission is a front that allows lenders to do as they see fit regardless of the law.

If a consumer complains to the Bank Commissioner about a lending agency, the case is immediately closed out, once the lending agency responds in writing to the CFPB. This policy does not allow the consumer to rebuttal. This consumer protection policy is " no policy at all '' and is pro lender.

Lending agencies such as Capitol One, know this and hand out gibberish response to complaints that defy logic and they are never examined by The Commission.

Brother XXXX  In God I Trust
Product: Student loan

I am writing to formally request your offices intervention regarding a case of identity theft, fraud, and deceptive financial practices committed by XXXX XXXX XXXX The school has engaged in fraudulent activity involving the misuse of my Social Security Number ( SSN ) without my consent, financial aid misrepresentation, and the failure to certify my sons XXXX  tuition benefits. 

My son, XXXX XXXX, attempted to certify his XXXX benefits. The schools Financial Aid Manager instead convinced him to take out a student loan. Additionally, the school never filed the XXXX  tuition paperwork. My Social Security Number was used fraudulently as a co-signer on a student loan, without my consent or signature. The loan servicer now lists me as responsible for a debt I never authorized. 

The school and its financial aid department have violated multiple state and federal laws, including : 1. Identity Theft ( 18 U.S.C. 1028, XXXX Penal Code 32.51 ) Unauthorized use of my SSN.

2. Bank Fraud ( 18 U.S.C. 1344 ) Fraudulently obtaining a loan using false information.

3. Wire Fraud ( 18 U.S.C. 1343 ) Using electronic systems to p
rocess a fraudulent loan.

4. Forgery ( 18 U.S.C. 471, XXXX  Penal Code 32.21 ) Signing or processing loan documents in my name without consent.

5. False Statements on a Loan Application ( 18 U.S.C. 1014 ) Submitting false information to obtain federal loans.

6. Social Security Fraud ( 42 U.S.C. 408 ( a ) ( 7 ) ( B ) ) Unauthorized use of my SSN. 
XXXX  Benefits Fraud ( 38 U.S.C. 3690 ) Failure to certify benefits and misrepresenting financial aid options to a veteran.

7. Deceptive Trade Practices Act ( DTPA ) ( XXXX  Business & Commerce Code 17.46 ) Engaging in false, misleading, and deceptive financial practices.
Product: Mortgage

I was with a Mortgage company for some years. My mortgage was brought or giving to my previous MTG company. I was behind often and I would ask for waivers, or if they could refinance my MTG but they always told me that they couldnt because my MTG was like a car loan so they could not do it. They always threaten to come get my double wide and I always said, how are yall going to do that because my land was finance with my house. I would tell them that I never had any trouble getting my payment waiver with the company that had my MTG before they had it. So finally they had me to write them and tell them my situation and why I could not make my payments because they where suppose to refinance it but, they said they couldnt. So I talked to my bank about refinancing for me. When I had to call the previous MTG company about the title it was to my surprise, they told me that they didnt have it. 
I called everyday to speak to someone different and there answer was the same. Doing that same time I went to the court house to check on the title and when i did that i saw the original MTG company as the owner on the deed. I even checked with DMV because they said it was like a car loan. I called around to attorneys and asked questions but none of them gave me any value information. I also looked online for information but nothing was clear to me as far as this being right. I also wrote the attorney general. They didnt receive any thing from them either but after the MTG was refin they sent them a letter and told them they didnt have the MTG any more. There name was never on the MTG, they didnt even own it and they knew it but they kept collecting my money every month. When I went to the closing I was told by the attorney there that they had to do a lose title because the MTG company didnt have one. I didnt know about a 3 day cancellation because the attorney didnt give me any paper work until they recorded it at the tax office. When looked it up the next week the new MTG company was on the deed. I just think this was wrong and I dont think they should been able to sell something they didnt have ownership to.
Product: Consumer Loan

Ally used its discriminatory practices to inflate my loan interest rate and inflate my monthly payments. Ally used its discriminatory practices to seize my vehicle and render me nearly financially and mentally ruined. My Ally case no is XXXX
Product: Credit reporting

I have submitted several disputes with Equifax asking for validation ( copy of original document with my signature on it ) of collection accounts reporting on my credit report. The XXXX accounts reporting are from XXXX and they have not submitted adequate validation, they just sent me what appears to be a screen shot of a bill that does not belong to me in both cases. Equifax has just said that the accounts were verified without telling me how they were verified and have failed to show me any proof of validation ( copy of original document with my signature on it ) after I have asked on several occasions.
Product: Money transfer, virtual currency, or money service

I contacted an individual about a puppy for sale. They lived close to me, and seemed legitimate. The puppy cost {$800.00}. I sent them money with XXXX. A few days later they blocked me and their account. Fraud occurred XX/XX/22. Individual would not respond to calls or messages. I bank with Bank of America.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I received an updated copy of my credit report and I was stunned at how many accounts that were listed inaccurately. I have never conducted business with these companies and I believe that their information is completely inaccurate. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These are the companies listed on my report multiple times. According to 15 USC 1692G they are required to notify with evidence of this alleged debt. I believe they have stolen my non public information from somewhere and Now attempting to ruin my creditworthiness. I want these accounts investigated immediately. Any evidence retrieved from the investigation I want sent to me through the CFPB complaint portal to avoid any interruptions with the documentation.
Product: Debt collection

XX/XX/XXXX CFPB : JPMChase hired a Cartage/Storage company lacking Illinois Commerce Commission ( ICC ) Licensure to take away everything that I owned, the personal property of five ( 5 ) generations of my family from my Family Homestead, XXXX XXXX XXXX, XXXX, IL XXXX, which my parents, XXXX and XXXX, had built, XX/XX/XXXX. It is a violation of Illinois Law to hire a Cartage/Storage company lacking Illinois Commerce Commission ( ICC ) Licensure. I demand the immediate return to me of everything taken from XXXX XXXX by  JPMChase in violation of the Illinois Unclaimed Property Act and other Extant Legislation. Sincerely, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, IL XXXX
Product: Mortgage

I had a mortgage that was refinanced in XX/XX/XXXX and my name was removed due to the other joint owner XXXX XXXX financed it by herself yet XXXX is reporting it being closed in XX/XX/XXXX instead of XX/XX/XXXX and reflecting on my credit till XX/XX/XXXX. I need this matter to be corrected. 
WELLS FARGO HOME MORTGAGE Address : XXXX XXXX XXXX XXXX XXXX, IA XXXX ( XXXX ) XXXX Account Number : XXXX .... 
Address Identification Number : XXXX Status : Paid, Closed/Never late. 
Status Details : This account is scheduled to continue on record until XX/XX/XXXX. 
This item was updated from our processing of your dispute in XXXX XXXX. 
Date Opened : XX/XX/XXXX Reported Since : XX/XX/XXXX Date of Status : XX/XX/XXXX Last Reported : XX/XX/XXXX Type : Mortgage Terms : NA Monthly Payment : {$0.00} Responsibility : Joint with XXXX XXXX Credit Limit/Original Amount : {$230000.00} High Balance : NA Recent Balance : NA Recent Payment : NA Payment History : XX/XX/XXXX CLS Your Statement : Completed investigation of FCRA dispute - consumer disagrees.
Product: Mortgage

My first mortgage is with PenFed. My payments are on autopay through my bank. I have never missed a payment or made a late payment. In fact, I make my full payment plus principal payments every month. Recently it looks like PenFed updated its online account dashboard. I logged in and noticed my account said that my XX/XX/XXXX payment shows past due even though it also shows they received a payment from me on XX/XX/20. The problem is they applied my XX/XX/XXXX payment as " OTHER ''. Clearly their error, but I have tried to call PenFed every day from XX/XX/20 - XX/XX/20 to get it corrected. The call wait times ranged from 198 minutes to 84 minutes. I have tried to contact PenFed by email and secure messages through my online account. After a full week of trying I still have no response from PenFed!! My account continues to show  past due and there seems to be no way for me to get ahold of anyone for help. I tried other phone numbers on their website and spoke to their answering service who explained they have large call volumes due to low rates. What about their current customers?? They still need to service their existing customers and after a full week of trying to get someone ( anyone ) to help me, I feel like I have no other option than to file a complaint.
Product: Bank account or service

I incurred overdraft fees amounting to {$300.00} for XXXX online purchases totaling {$370.00}. The result was an overdraft of {$690.00}. The overdraft fee is 82 % of the total overdraft! I contacted the bank to ask whether the charges could be reversed and they said 'no ' because they had reversed XXXX charges already and I was at the limit for " courtesy reversal. '' I admit that I should not have overdrawn the account. However, considering that the average purchase amount was for XXXX charges was {$27.00}, it seems to me that the bank is gouging their customers. Instead of not permitting the charges to go through, which would ultimately benefit the customer, they allow the charges so that they can collect fees that are in some cases XXXX times the amount of the purchase price. This is unconscionable.
Product: Checking or savings account

there are unaccounted balances made on my account due to fraudulent activity being conducted. in result this has hindered me from opening any bank account. i have never made any of these deposits nor owe any bank or financial institution any money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed an FTC report and have a fraud alert on my account. I have mailed and called each major credit bureau and asked the fraudulent item to be removed to no avail. 

Mailed letters to all three on XX/XX/2022 XX/XX/2022 I have also disputed multiple times via their websites over the past year XXXX XXXX XXXX The account is with Discover Bank it has a balance of XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX Balance : {$4800.00}
Product: Credit reporting or other personal consumer reports

I Received a XXXX XXXX XXXX Line of Credit for {$3000.00} ( XXXX, XXXX ) in good faith of expanding my small business and ended with damage to my reputation. In XXXX of XXXX XXXX  XXXX Made numerous collection attempts and had communication with me through Fraud Mail, Mobile App, My Consumer Report ext. As well as using fees to say I owe alleged debt of ( {$3700.00} ). XX/XX/XXXX I notified them of there false representation and Defamation of my character and didn't receive correspondence until XX/XX/XXXX resulting in the account being Closed/Charge off. XX/XX/XXXX I continued disputing validity of the report showing there clear violations of ( FCRA & FDCPA ) and that they were to cease and desist also requesting 1099c and received no correspondence. It is XX/XX/XXXX and XXXX still is furnishing inaccurate information.
Product: Credit card or prepaid card

I paid off a credi card within the allowed time. I was then charged interest after the card was paid off. I called the the Bank which refused to remove the interest change even thought the account had been paid off by the date their were charding interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One XXXX XXXX XXXX or Successors XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX CC Capital One Customer Advocacy Office XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Is still Reporting fraud accounts on All 3 credit bureaus XXXX, XXXX & XXXX XXXX . 
Capital One is violating my rights & breaking the law. They have not followed the law providing any legal proof of these false accounts in 30 days & its been XXXX  months & consistently break the law by not removing them. Capital One uses their corporate Billion dollar company status as a bully, instead doing the right thing & helping a victim of ID Theft! The fraud they continue to report is causing me & my family stress & hurting my future credit goals. I WILL NOT STOP UNTIL I GET JUSTICE! THANK YOU!
Product: Credit reporting 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 Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a 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 n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept 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 n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n 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 n now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting or other personal consumer reports

Upon reviewing my updates, the inaccurate information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The late payments on this account are not correct. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or a customer service representative. Please have this account updated and repaired : XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have informed " XXXX / XXXX XXXX '' on several occasions and complained that they have been reporting an old closed account status incorrectly on my credit report for over 2 years, and they are still refusing to remove the inaccurate account data information from my credit reports. 

The incorrect account data information is showing on TransUnion, XXXX, and XXXX credit reports : 1. ) Last Activity - ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) 2. ) Remarks - ( only one report states, Closed. ) 3. ) Month 's Reviewed - ( 0, 0, and also 7 ) 4. ) Terms Count - ( 0, 0, and also {$13.00} ) 5. ) Term Source Type ( states either nothing or Provided. ) 6. ) High Credit ( either {$0.00} or {$620.00} ) 7. ) Current Payment Status ( Late 60, Late 90, or As Agreed ) 8. ) Payment history ( Youve made 20 % of payments for this account on time, Youve made 92 % of payments for this account on time, or Youve made 43 % of payments for this account on time. ) On the telephone, the company agreed to remove this inaccurate account once I paid their {$620.00} balance owed in full in XX/XX/XXXX, but they violated this verbal agreement and ignored my request ( s ). Under the Fair Credit Reporting Act - ( FCRA ) of 15 U.S. Code 1681i - Procedure, in case of disputed accuracy, the credit bureau must follow this law and procedure, and if inaccurate information is found, it must be removed or deleted. If this is not done, then they can face potential personal lawsuit ( s ) and federal fine ( s ). Please help me rectify/resolve this account 's inaccuracies. 

The company 's unwillingness to remove this inaccurate account, which they are continuing to report inaccurately to the credit bureau and willfully ignoring the law related to the unverifiable, incomplete, and inaccurate information of this account, must be dealt with immediately, and the inaccurate account must be removed or deleted.
Product: Mortgage

Our mortgage was transferred to LoanCare, LLC ( from XXXX ), in XXXX XXXX previously we were paying our mortgage monthly on an auto debit schedule around the XXXX of each month. we were informed that our first payment would be due in XXXX to LoanCare. We waiting until XXXX XXXX, to make sure our auto payment was indeed cancelled w/ the previous company, and then submitted a payment around XXXX XXXX or XXXX, 2016. This check posted to our checking acct at XXXX on XXXX XXXX. however a couple of weeks later we received a notification from LoanCare stating our payment was never received. we had our bank faxed a certified letter stating the payment had indeed posted to our acct and should be credited to our loan. 

We made another payment the XXXX. this check posted to our account on XXXX. Today, we received a letter from loan care stating we owe them {$4700.00} ( XXXX month 's payments ) or they are reporting us to collections. This is mortgage fraud. they are taking our money and not crediting our loan, and threatening to ruin our credit. i am planning to file a police report in case our credit does get dinged. I have reported them to the XXXX ( who I am assuming they have paid to not have their rating listed, as no reviews exist ). I am going to look into changing the mortgage company.
Product: Money transfer, virtual currency, or money service

Its been a while but chase bank knew I was scammed and did not help it was payments from Zelle. The closed my account and now want me to pay the balance that they knew I didnt do.
Product: Debt collection

I never received a notice of this collection or was offered the right to dispute this debt. I was denied credit before realizing this false information had been reported on my credit files. I requested validation of this debt and was ignored. LVNV Funding continues to falsely report this account as an open revolving account and re-age the account to purposely damage my credit.