23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I dispute and demand the immediate removal of the fraudulent account from my credit report : XXXX XXXX - FRAUD, PLEASE DELETE!!! 
The bank confirmed the validity of the identity theft report, acknowledged a system error preventing record provision, and assured me of the immediate removal of the fraud account existing for over 7 years.
Product: Credit reporting or other personal consumer reports

I was a victim of data breach and credit report has been affected.
Product: Mortgage

A new servicer, Freedom Mortgage purchased our mortgage and did not properly escrow our insurance policies which are a fire policy and a wrap-around policy. Both policies have always been paid through an escrow account. Because of this mistake our fire insurance has been canceled. We're trying to get this fixed while we can still reinstate the fire policy. So far Freedom Mortgage has met none of their deadlines, have not added the insurance back to escrow, and have no paid the policy. We're at risk of a serious increase in the cost of fire insurance if this is not redeemed on time. We're also at risk because we do not currently have insurance in case of a fire.
Product: Credit card or prepaid card

On XX/XX/17 I received an email saying something to the effect that I had " won '' a {$1000.00} gift card from XXXX. There were associated posts saying this was " for real ''. I started clicking to check it out. As I went along it seemed to start turning into an application for a credit card and, against my better judgement, I continued with the process. By the end, I had been congratulated for qualifying for a " Net Spend XXXX XXXX card ''. I was annoyed since I did NOT want this credit card. I decided to wait until I received the card to call the company. Well, I never even received the card! After 3 1/2 weeks I called XXXX Spend XXXX. The customer service person was not concerned about the fraudulent way I was lured into applying for the card or that I never received it. She seemed to want a quick resolution and simply offered to send me another card or close the account. I told her to close the account. I also said that I certainly hoped that opening and closing this account would not effect my credit score. She said it wouldn't but I'm not sure she knew what she was talking about.
Product: Checking or savings account

My debit card was lost/stolen and fraud and unauthorized charges were made. Bank of America sent me a new debit card but denied my claims. XXXX was detected on my phone and promptly deleted. The charges were made via XXXX with my debit card information. I have never used XXXX prior to this. I was not notified by Bank of America and XXXX  for these fraud transactions. Upon checking XXXX, I noticed the funds were used to purchase crypto and sent off to an unknown address.
Product: Debt collection

This is my first time filing a complaint for both collection accounts on my reports with Harvest Associates with account numbers XXXX and XXXX. Harvest Associates is continuing to report an account that they have failed to provide validation for. On XX/XX/2022, I sent a request for validation including a full account ledger, proof that they own the debt and everything in their possession pertaining to the account. They never responded and it has been well over 30 days. I am demanding this account be deleted from my credit reports immediately.
Product: Checking or savings account

My accounts were closed without any reasons. 
I think they were illegal attivities against my accounts
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and notice i had fraudulent accounts on my report. Please remove these accounts from my report they are hurting my ability to obtain credit.
Product: Credit card or prepaid card

On XX/XX/2022 my whole account was hacked, somebody took all the money out of my account, they also ordered a new card to whole nother state, they didn't even send a message that any of this was happening. I tryed to login to the app and it wouldn't let me, that's the only way I knew something was wrong, 4 days later they finally let me log into the account only to see all my paycheck was gone! I disputed the transactions, not even 4 hours later they tell me the dispute was denied.
Product: Debt collection

Pursuant to 18 USC 8. I owe no debt This company is violating my consumer right to privacy pursuant to 15 USC 1 681b 2. company has also NO permission to report ANYTHING using my info pursuant to 15USC 1681 4
Product: Credit reporting or other personal consumer reports

After checking my credit report, I have found that there has been a fraudulent account opened under my name without my authorization! I had no idea that my personal information was being used and I am in shock. I have filed an identity theft report with the FTC which will be attached. This account was opened without my knowledge and consent. It should be removed from my credit report! 

The details of the subject account are below : XXXX XXXX - XXXX XXXX XXXX XXXX, 2021 {$2700.00}
Product: Debt collection

I received a letter that was dated XX/XX/2022 regarding a debt that was taken care of by a previous lawsuit. I received a letter that the amount was written off by the XXXX XXXX. I don't remember the day of the letter I received from them. The reference # : XXXX that is on the letter that I received and the amount stated that is due : XXXX. I mailed a letter to them today letting them know that I do not owe anything. I don't if anything will come of it, but I would like this taken care of and nothing should on my credit report regarding this. 

thanks in advance
Product: Payday loan, title loan, or personal loan

Good Morning, To whom it may concern, My name is XXXX XXXX and I took a personal loan of {$6000.00} with the intention of paying it back in timely manner, the only purpose of mine was to get a loan and pay it back on time each month so this may help me improve my credit score.

when I took the loan, at the time my credit score was not good and I knew I'll be paying higher interest rate but since the day I got the loan I been trying to get my disclosures to see the terms I signed up for but this company failed to provide anything. 

I specifically requested for 3 year term plan and the gentleman who helped me assured that this loan will be paid off within 3 years as long I am making a payment of {$190.00} each month. its been almost 2 years and my payoff balance still showing of nearly {$5000.00}. I never skipped or delayed my payments. 

few weeks ago I tried contacting the financial institute to find out about more loan, here are some facts I was told about my loan, XXXX, I signed up for 5 years and we cant not provide you any written documentation about that, XXXX there is no disclosers we can you provide your, it is what it is, you are locked for 5 years. 
XXXX if you don't pay the loan we have a lien against your car. 

To whom it may concern- I also work in banking field for over 6 years now and currently working as mortgage processor and its fair to say that I know the lien process, but if you were never told upfront about the collateral lien XXXX how can someone just say we'll take your car away. 

I been trying to contact the upper management to look into my 3 years of loan instead of asking me for XXXX additional years. ( something I never singed up for, if I signed the docs for 5 years Please provide me the documentation including the interest, rate and term ). I dont have problem paying either of the term but my concern with this institute is I did not ask for 5 year for a personal loan. 

Sincerely.
Product: Debt collection

There is a collection account on my reports with Midland Credit and they are reporting illegal information on my reports. I was under the impression that it is illegal for a collection agency to report payment history and inaccurate information. They are reporting payment history as well as a missed payment for the month of XXXX of this year which is inaccurate. I have contacted them about this matter and they have not responded to my letters trying to rectify this concern.
Product: Mortgage

I have repeatedly reached out to American Portfolio Mortgage ( XXXX ). To transfer my LIN and they refuse to do so its been over a month. Which has hindered the progression of my court ordered refinance. XXXX XXXX has been very rude and will not comply. ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX  XX/XX/2023 as unverified and unauthorized activity on my credit report. 
XXXX XXXX  XXXX XX/XX/2023 as unverified and unauthorized activity on my credit report. 
XXXX  XXXX XX/XX/2023 as unverified and unauthorized activity on my credit report. 

Address : XXXX XXXX XXXX XXXX XXXX, Tx XXXX as unverified and unauthorized activity on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX and Transunion are reporting incorrectly a collection in the amount of {$4900.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The original account was with XXXX XXXX XXXX. I signed a lease with XXXX XXXX XXXX on XX/XX/2014. I have attached a copy of the lease agreement. My monthly rent for the term of the lease was {$1000.00} however, the apartment complex was charging me a different amount that equaled MORE each month than the lease agreement. I immediately contacted the leasing office and the representative of the apartment complex assured me that they would revise their accounting to reflect the agreed amount of rent being charged. Unfortunately, they did not honor their commitment and after I had moved out they sent this account to collections. There should be no outstanding balance due. I did not know that this account had gone to collections until I obtained a recent copy of my credit report. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upgrade Inc violated my privacy rights by reporting my personal information and my private transactions and experiences on my consumer report that they weren't given consent or permission to do. This is identity theft and a clear violation of my consumer rights. This is civil liability violation and penalty for damages I sustained.
Product: Credit reporting

I have several accounts/creditors that have been disputed that are re-aging items on my report many that are n't even valid. They are reporting accounts as if they are new deliquencies when they are not some I 'm not even liable to pay
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B mandates the elimination of any erroneous accounts from my credit report. Can you verify the documents? Certain listed accounts are inaccurately reported.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous dispute dated XX/XX/year> regarding the blatant errors and discrepancies on my credit report, which you have failed to address appropriately. Despite the 30-day period mandated by the Fair Credit Reporting Act ( FCRA ) to resolve disputes, I have yet to receive confirmation of any corrective action regarding the inaccuracies.
Product: Credit reporting or other personal consumer reports

XXXX was unable to coply with CFPB dispute. No investigation was ran, no information was provided for means of dispute or how dispute was ran. XXXX provided broken hyperlink to dispute that could not be accessed by user, XXXX failed to respond with valid information in 30 day period. No accessible information was provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to the credit bureaus and have explained to them numerous of times that I am a victim of identity theft. I supposed to have a fraud protection on my account but someone is still trying to use my Information and has gotten credit cards and revolving credit in my name. I never opened a XXXX  account on XXXX XXXX  or XXXX XXXX, I never opened a self account on XXXX XXXX, I never went to the hospital on XXXX XXXX or XXXX XXXX. I have health insurance that pays for my bills. I also did not authorized these inquires : XXXX XXXX  on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX  on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I currently have my credit frozen with all 3 major agencies ( TransUnion, XXXX, and XXXX ) but am needing to temporarily lift the freeze to apply for a line of credit. When logging into TransUnion, it forced me to create a new password which I did but the status of my freeze on their website says " UNKNOWN '' and to contact an agent at the phone number provided. I called and was hung up on by their robot answering machine 3 times, finally reached an agent that also hung up on me, then got in contact via text just to be told they can't help me because my login information ( that I just changed ) was incorrect. I changed my password again and got the same error message. When I change my password, the site redirects you to your home page but then when I log out and attempt to log back in, it says my information is incorrect. I have not been able to successfully reset a password, reach an agent, or check the status of my freeze for hours now.
Product: Credit reporting

The Equifax team has not responded to letters and faxes regarding the incorrect and unauthorized inquiries in my report. Please have them remove since they are not mine. 

XXXX XX/XX/2016 XXXX XXXX XXXX XX/XX/2016 XXXX XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XXXX XXXX XX/XX/2016 XXXX XXXX XX/XX/2016 XXXX XXXX XXXX XX/XX/2016 XXXX XXXX XX/XX/2016 XXXX XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XXXX XXXX XX/XX/2016 XXXX XXXX XX/XX/2016
Product: Debt collection

Received a letter on XX/XX/XXXX with a bill attached ... I called the company to send me out validation that this my bill sign signature ... well the rep dates was off she said I got this letter sinceXX/XX/XXXXwhich I am uploading a copy then she stated I went to XXXX XXXX hospital this was not the hospital bill it's the dr.bills & I kept asking her to validate it send me sign signature she said when they requested the sign signature this was all they was sent that I didn't sign ANY paper work ... also that violates my hippa rights cause you validating over the telephone never verify any information, then I get a letter with all the procedures, never did i once get a letter letting me know I had the right to dispute this bill I will enclose what they sent me they will not validate this bill
Product: Bank account or service

In XXXX of 2012 I opened a bank account with US Bank and put a small amount of money. I did n't pay much attention to the account because I had n't even put any direct deposit to it or anything. Then must have been almost a month later that I finally got notice that the account had NSF a check was processed through on XXXX XXXX for XXXX. It was processed like a paper check. First off I did n't have paper checks attached to this account. Also the day the check was written and processed I was having a XXXX. I definitely not out writing checks I do n't have. Anyways the XXXX and continuing health problems were a big distraction. I started the dispute process but did not complete the fraud packet because of this. Then I was blessed to get pregnant again soon after but am a XXXX so my health and that of my baby became a priority. The next XXXX I decided to purchase a new car. We wanted to get a loan with a credit union to get a better interest rate. We applied for an account at one because you had to be a member to get a car loan. This is when the bad account came back up. We contacted US Bank and they quickly offered to open up a new fraud claim. This is where my problem 's began. We put our car buying on hold so that we could dispute the account and then go through the credit union. US Bank opened a new fraud case on my account without bothering to tell me it was beyond the allowed time frame to dispute. They allowed me to go through the motions of filing the dispute knowing it would be turned down because it was old. During the time my dispute was being processed and I was waiting for a response for the fraud investigation my old car broke down and I ended up having to pay for repairs on a car that would have been replaced already had I not been waiting for us bank. Also when they finally did get back with me and denied my dispute they sent me a letter with my first claim number on there saying that case was denied. I contacted them back requesting a letter saying the new case they opened was denied but they never provided that. So we went ahead and purchased a new vehicle but we 're limited to places that would allow in house financing. Because of being unable to get a bank financing cause of check systems. So instead got stuck with a short term loan with disgusting interest rate. All around it cost my family a lot of money over a bad XXXX that I did n't write. Stupid customer service representative when I called about my dispute being denied, I asked what I was supposed to do now. Pay something I do n't owe and was just told sorry ma'am.
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX  XXXX XXXX XXXX - XX/XX/year> XXXX
Product: Checking or savings account

I was given a counterfeit XXXX dollar bill by my bank and the bill was held by my other bank. I made a withdrawal from my Bank United branch on XXXX XXXX in XXXX and made a deposit to the XXXX on XXXX XXXX in XXXX XXXX. Bank United never replaced my money due to their having accepted a counterfeit XXXX dollar bill.
Product: Vehicle loan or lease

I spoke to Chase Auto Finance at the end of my lease. They told me to expect a letter from XXXX within 60 - 90 days regarding the final balance for my lease. I received a non-certified letter from Chase Auto Finance on XX/XX/XXXX ( nowhere was it marked from XXXX ) dated XX/XX/XXXX for the deficiency balance at the end of my lease. The letter says " Please pay this amount upon receipt of this letter. '' - without giving a valid due date. Based on this, my assumption was that the due date was from my receipt of the letter, XX/XX/XXXX. 

I wrote a check and sent it to the address it listed. The check was either lost in the mail or misplaced by Chase Auto Finance. Chase Auto Finance is unable to confirm or deny mishandling my check. 

Chase placed a 30 day late payment notice on my credit report on XX/XX/XXXX, 27 days after my receipt of their letter. I called on XX/XX/XXXX and spoke to a Supervisor, XXXX, employee ID XXXX, who said that " as much as I agree with you '' that he can not change what has been reported. I requested that they remove the 30 day late notice as I contend I am only 28 days late and they would not remove it. I made the payment in full of {$2700.00} with XXXX, employee ID XXXX. 

I contend that based on their wording, " Please pay this amount upon receipt of this letter '' means that the due date is my receipt of the letter. I made an attempt to pay promptly which was lost along the way, then paid the amount due 28 days after my receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

The student loan was through XXXX XXXX XXXX acct number ending XXXX. The account status says it is 120 past due. This account was turned over to a collection agency and has been paid off for 2 years now. I would like to have it removed from my credit report. The information supplied to XXXX by the following agencies are out of date or inaccurate. please fix
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXXXXXX XXXX XXXX : {$6800.00} XXXX XXXX XXXX XXXXXXXX Balance : {$2500.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} 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/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain about questioning specific items in my document coming about because of the wrongdoing. The items 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, block the noteworthy of any items in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

About a year ago I discovered I had been a victim of identity theft again when I found an auto loan showing up on my credit report with XXXX XXXX XXXXXXXX that does not belong to me. My personal information had been used to obtain credit cards and loans without my knowledge. I immediately filed a report on XXXX and sent a copy to all the major credit reporting agencies and the original creditor. They took the item off my credit report but found it to be placed back on recently. I once again contacted the credit reporting agencies and XXXX XXXX XXXXXXXX directly but they have not responded to my request to remove the item.
Product: Payday loan, title loan, or personal loan

I admittedly over extended myself with this loan they kept offering to re write the loan so I could pay some get caught up and extend the payment I can not afford it I have asked for a reduced payment or some kind of work out, they always tell me that I have ti bring a full payment which I can not I am willing to pay but XXXX calls me multiple times a day he has called me a XXXX, threatened to come to my house and work. I have at times told hi I would bring money but cant bring what they are asking for so he says no that wont work. Today I got a letter in the mail from an attorney which I plan to call and work out something if I can, but XXXX called me again yelled at me said I was lying and said he would see me in court. Oh and then he told me how much he would be taking out of my paycheck, I really need this harassment to stop but he wont I am afraid to even take any payment in there or have contact with him. I just need help so this harassment is affecting my home life as well as my work life.