23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX is a creditor for XXXX XXXX. This company did not send me any billing information. I reached out to XXXX XXXX several times and they were unable to provide with the information of this creditor, XXXX. I have a XXXX XXXX card with XXXX as a creditor and that is the only information they had on file. When I finally received a call from someone in another country they told me my purchase for {$77.00} was now {$220.00}. I confirmed all my contact information and advised them there was zero attempts to make me aware of this bill, even after I reached out to the store. The representative apologized for the inconvenience and stated if I paid the amount of my purchase she would waive the fees and correct my credit as a result of their error. I agreed to pay the amount of the purchase I made plus a processing fee. I paid {$80.00} on XX/XX/18. I have since received a bill with the same past due amount and my credit is still being impacted. This company has broken FDCP law in place to protect consumers like me. I find it odd how only after I made a payment to someone did they actually send a bill.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency, 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.

I am filing this FTC Identity Theft Affidavit to report three fraudulent accounts appearing on my consumer FICO credit report, which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a credit card account opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX, a credit card account opened at XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number XXXX, and a credit card account opened at XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. I demand the removal of these accounts within 4 days of receipt in accordance with FCRA 605B.

All accounts above, collections, late payments, and charge-offs result from 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. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, I noticed that it has multiple accounts listed that I've never been associated with. I've never applied for such accounts, nor have I given anyone my information. I've been a victim of identity theft and i would like these accounts removed immediately. 

XXXX XXXX XXXX - Opened XX/XX/XXXX with a balance of {$1100.00} Acct # : XXXX XXXX XXXX XXXX XXXX- Opened XX/XX/XXXX with a balance of {$29000.00} Acct # : XXXX XXXX XXXX XXXX Opened XX/XX/XXXX with a balance of {$1400.00} Acct # : XXXX XXXX XXXX XXXX XXXX  Opened on XX/XX/XXXX with a balance of {$1000.00} Acct # : XXXX XXXX XXXX Opened on XX/XX/XXXX with a balance of {$200.00} Acct # : XXXX
Product: Debt collection

FAILED TO PROVIDE REQUIRED DOCUMENTS! - I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Product: Checking or savings account

Ive been banking with Chase for a few months now. During these few months Ive lost my debit card twice an unauthorized transactions on my card From XXXX XXXX XXXX  XXXX   in the amount of {$1700.00}. Chase notified me that my account has been closed, and that I can go to a branch to withdraw my remaining balance that I had available. I went into the branch and they advised me that they spoke with chase claims to get the OK to withdraw the funds, they then advised me that they are unable to give me my funds that I had available in my account because the claim I made with XXXX XXXX XXXX  XXXX   was still open. Today is the first and because Im unable to take my funds off, Im unable to pay my rent because chase will not give me my remaining balance after my account was closed. If this was the case, my account should still be open, and I should still be able to use my debit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquiries I do not acknowledge, I have not authorize these companies to use my credit as follows : XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The Equifax keeps disrespecting the laws. Showed them multiple times of how they are violating the Fair Credit Reporting Act. 
According to 15 usc 1681 i ( 5 ) The Equifax said everything was completed and accurate about their reporting Inquiries. I also submitted police report in respect of this issue.

Then i asked them to provide me description of the investigation according to 15 usc 1681 i ( 7 ) and they never did. prof of letter and reports attached.

Also, according to 15 USC 1681 s-2A 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. 
This is violation after violation. This is causing me stress because i have no hope with this system.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX, My number is XXXX please remove this fraudulent account from capital on tap during my pandemic in XXXX my wallet and personal information was stolen at a mall. Ever since my information has been compromised and these debt from XXXX has been on my report and its FRAUD ITS NOT MY ACCOUNT PLEASE REMOVE IT, I HAVE ATTACHED A POLICE REPORT, A FTC REPORT, AND FILE A COMPLAINT WITH THE CONSUMER FINANCIAL PROTECTION BUREAU. 

Account Name XXXX XXXX XXXX XXXX Account Number : XXXX .... 
Recent Balance : {$0.00} as of XX/XX/XXXX Date Opened : XX/XX/XXXX Charged Off Amount : {$1600.00} I regret to inform you that I have recently discovered that this account is fraudulent and a result of identity theft. To support my claim, I have attached copies of the Federal Trade Commission ( FTC ) report and the police report detailing the identity theft incident. 

Given the gravity of this situation, I request the following immediate actions from XXXX XXXX XXXX : Account Investigation : I urge you to conduct a thorough investigation into the fraudulent account with the account number XXXX .... Please verify the authenticity of the provided reports and take necessary steps to rectify the situation promptly. 
Freeze the Account : As a victim of identity theft, I request that you freeze any activity on the account immediately to prevent further unauthorized transactions.

Assistance in Resolving the Issue : I seek your cooperation in resolving this matter expediently. Please provide guidance on the steps I need to take to secure my financial information and rectify any damage caused by this fraudulent account.

Communication and Documentation : Keep me informed of the progress of your investigation and provide documentation of any actions taken to address this issue. 
I understand the seriousness of identity theft and the potential impact it can have on individuals. I trust that XXXX XXXX XXXX will treat this matter with the urgency and sensitivity it requires. I am counting on your cooperation to ensure the swift resolution of this unfortunate situation. 

Please acknowledge the receipt of this complaint promptly, and I expect to receive updates on the progress within
Product: Student loan

XX/XX/XXXX Im writing to file a complaint against Navient Student Loan servicer. I graduated in XX/XX/XXXX. I have paid my loans for over 20 years at {$500.00} a month. No easy payment for my family. Oh and when times were tough and I called them, they steered me toward forbearance .Which I think I did for a year. They never once told me that had I been in a different monthly plan, such as income driven, my loans would be paid off in 20 years ( XXXX ) 25 years ( XXXX ). Im on social security now and am retired. These loans have been paid many times over the original amount. Im asking for help to have my loans forgiven/ ended as they would have been had it not been for Navients deviant practices. 

Anything you can do to help me or steer me in a direction where I may get assistance with this matter, would be deeply and greatly appreciated. 

Kind Regards, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Mortgage

To give you some back ground : I, along with many others, have had my home partially destroyed by Hurricane XXXX. We are in the middle of a disaster. I am making all of my mortgage payments on time while not even living at my house. FEMA flood insurance provides no coverage for living expenses so being out of my house while still having my regular bills is draining my bank account. I would like to have my house fixed as soon as possible. 
Nationstar Mortgage is making the process of getting my house fixed very cumbersome and they are causing everything take longer. 
The first issue : FEMA issued me an advance check to be able to start repairs for {$15000.00} prior to an estimate of total damages. Nationstar is also listed as a payee. I sent the check to them a week ago, paying money I ca n't afford to have 2 day delivery because I desperately need the funds to start repairs. Nationstar is requesting an estimate to endorse the check when there is no estimate yet. Now they are indicating it will be 3 to 5 days more to review all while my family and I are sleeping on couches and repairs are being further held up. Contractors have plenty of work due to the disaster and they will not work without being paid. I still have an equity loan I need to endorse the check as well. 
The second issue : Once the claim goes over 20,000, Nationstar says that they get to hold all of the funds. I do not get to have the money I need to fix my house. This is money that I am receiving from a flood policy that I paid the premium for, not Nationstar. It is not Nationstar 's money. Nationstar says that every estimate, every check, every contractor, it all has to go through them, and they will decide whether to release the funds. This will make the process even longer. At this rate, I will not be back in my house until XXXX. 
Banks should not treat people like this. They are costing my 1000s of dollars by delaying my repairs. We are in the middle of a disaster, and they are showing no flexibility. 
This business practice by Nationstar seems very shady and is having a huge affect on those in need. 
I appreciate any assistance that you can provide. Please feel free to contact me. 
Thank you, XXXX XXXX XXXX
Product: Debt collection

My mortgage company Ditech went chapter XXXX, sent my loan to XXXX XXXX XXXX XXXX. 

They are charging me for escrow, I pay my own taxes and home owner insurance, I always have. I cant get them to correct the problem, its been three months, Loan transfer date was XX/XX/2019, I have sent {$3200.00} to straighten this out. 
They did not properly apply the money, also sent {$1000.00} towards principal, also not correctly applied. 
Please help the company is a nightmare. I have notified my lawyer and I refuse to send any more payments until they fix this easy but somehow impossible for them to fix problem. I have sent several emails to customer service and have not received one back form them.
Product: Credit card

When i opened this accout, the Discovery Card asked me to deposit {$300.00} to open the credit account. They closed my account last year and they did NOT send or return the {$300.00} secure deposit
Product: Checking or savings account

Around XXXXXXXX XXXX EST on XX/XX/XXXX, I deposited total of {$3800.00} dollars into an ATM at Chase ( XXXX XXXX ). The ATM took XXXX dollars in and spit back the rest of the money, as it had difficulty reading them. The ATM then asked if there is any addition deposit to make. I clicked 'yes ' and put in XXXX dollars ( out of remaining XXXX dollars ) as I thought the initial error may have been because of too many bills. The ATM then " ate '' my money and produced a receipt saying " To be sure your deposit went through, please call us at XXXX. XXXX '' I proceeded calling the number as the branch was closed for the XXXX XXXX. The representative was able to submit a claim for total of XXXX dollars ( XXXX ), and that I should be receiving the full amount in credit in XXXX business days before they complete their investigation. I visited the same ATM after XXXX PM on the same day, but I noticed that the machine was still being used by different people without being shut down for proper investigation right away. 

After XXXX business days, I checked the claim status on my Chase App XXXX and I found that I received XXXX dollars credit, and the disputed amount was reduced to XXXX dollars instead without any further information on where the rest of XXXX dollars went. I called the same number to check on the status, and I was told that I have to wait until the full investigation is over. I made calls several times and even visited the branch on XX/XX/XXXX, but all I heard was that there is no difference I can make by visiting and that I have to wait until XX/XX/XXXX, which is when they are legally required to give a response by. All representatives are repeating that I have to wait and that they will request a second audit. When I asked what happens if they still finalize with XXXX dollars, they said " At that point, there is really nothing Chase can do. '' This afternoon on XX/XX/XXXX, I received a notice / letter notifying that the claim is closed and that XXXX dollars temporary credit is now finalized. I have not received a formal explanation as to where the rest of my {$1800.00} went to. I have explained them to take a look at their surveillance camera as it would have captured me depositing several times into the same ATM. I feel that the audit was not done carefully to ensure that there is no miscalculation. The money " ate '' my money, and it is frustrating to hear that they can not locate it anywhere. I have not yet received proper assistance, explanation, information, or evidence from Chase, and this is absolutely not the kind of bank that I would want to trust my money with.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX XXXX Credit Card listed on my credit report is a result of identity theft. I've reported this to XXXX  and Equifax but it has not been removed. I contacted XXXX XXXX who investigated this and sent me the attached letter dated XX/XX/2021 stating that after their formal investigation, they've found the XXXX XXXX XXXX Credit Card to be a result of fraud and identity theft. And that they are removing me from Liability and that they are also requesting that this account be deleted from all my credit reports. 

The inquiries listed on my XXXX report are a result of unauthorized access to my social security number.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Experian has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Debt collection

This company is reaging on old debt and making false and illegal statements on my credit report. 

1. Inserted false age as last day of usage on credit report 2. Reporting late payments on current credit report for an account last used any activity in XXXX 3. Has reported late payments for entire year of XXXX on an account that last payment was in XXXX 4. Reported false payments made on account 5. This company never provided legal proof off usage off the account for the the years of XXXX or XXXX ( but is reporting usage ) 6. They state that they will report until XXXX XXXX, and account was due to stop reporting XXXX XXXX 7. Reporting this false info on XXXX accounts ( original Leander and buyer )
Product: Checking or savings account

Hey my name is XXXX XXXX Im coming on here to get help on what my bank did to me Im a loyal and honest customer and I been receiving fraud activism my account for quite some time off and on and then I try to get my dispute on things and they denied me based on me not saying multiple things in btw which I did say multiple other stuff but the guy just didnt understand me and he just agreed to everything Im asking for my XXXX on XXXX XXXXs and my XXXX on XXXX XXXX which was used for by i dont know whom it was taken out my account and Im being blamed for it I feel discriminated towards which I dont understand why the XXXX man have to be the one thats lieing in there eyes all Im asking is my money back that was taken and other inquiries on there before they closed my account they also was going to credit other items that was frauded from my account money also but they closed it and said they cant do nothing for me which is my hard earned money if u can please help me I dont want to take it legal matters but its getting to that point if u can please help me Ill appreciate it. Thanks!
Product: Mortgage

I've made four calls to their customer service department of this Mortgage company to explain their estimate of a shortage spread of the escrow for taxes and house insurance of XXXX for this past year and a escrow increase of XXXX per month to cover this shortage. 

( On the back page of their legal sized letter was a projected shortage of XXXX for XXXX. ) Numbers based on last years fees {$1600.00} for property taxes XXXX paid paid on XXXX by the company And {$1300.00} for Home owners insurance paid on XX/XX/XXXX by the company total for last year XXXX The total collected by the escrow amount last year was XXXX per month equaling XXXX that leaves a shortage of XXXX!!!! 

I called the office of XXXX XXXX XXXX XXXX and was told my will be XXXX for this year with a 4 % discount if paid by XX/XX/XXXX leave a total of {$1700.00} which calculates a {$67.00} increase My home owners insurance went up {$130.00} from the previous XXXX to {$1400.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just looked on my credit report and saw I have two new accounts open on my report for credit cards on XX/XX/XXXX. I just paid off all my credit cards except XXXX, so why would I try for more, plus I don't work anymore to support payments for them so why would I try to get them. I already talked to the one that isn't bank of America because I got a paper in the mail wanting more info about it and told them it is fraud. So I would like these looked into, and closed and taken off my credit report.
Product: Credit reporting or other personal consumer reports

I have warned you several time about the XXXX account on my credit report but you kept ignoring me. I have officially sued you. I am mailing you the court documents
Product: Money transfer, virtual currency, or money service

I was using Zelle on my XXXX app to send someone a rent payment and had sent it to the wrong person when going to ask for a refund or to cancel the payment both Zelle and XXXX bank said it was too late. I then had asked why there was no warning or second prompt to double check who I was sending it to and I then got no response.
Product: Debt collection

This debt collection company is violating my consumer rights and causing me emotional distress by constantly harassing, publishing an alleged account that I do not owe. I have reached out to this company several times via phone call and email which I recorded for proof. I owe no debt to Mercury Financial LLC. I refuse to pay a debt, I do not owe. I also do not wish to contract with Mercury Financial LLC. This has caused me job loss due to negative and false information published by this debt collector, which made me suffer XXXX and XXXX. This debt company negligence has caused me to seek medical attention.