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

I'm writing, because i don't recognize this account. I had a problem before, somebody used my information and applied for credit cards. I never had any contracts with this company, i'm not responsible for this debt
Product: Debt collection

{$30.00} claimed due to XXXX XXXX XXXX Had XXXX XXXX XXXX internet in XX/XX/XXXXBilling cycle was XXXX of one month to the XXXX of next month Charge was {$60.00} per month Cancelled service on XXXX XXXX and sent XXXX XXXX XXXX {$30.00} payment in full settlement Receive another billing for {$30.00} I contacted they three different times and their response was " We do not adjust bills '' My response was I do not pay for something I cancelled did not use and did not want They gave my account to two collection agencies so far. I explained the situation to the fist agency and I never head from them again The second agency ( Sequium Asset Solutions LLC ) began contacting me in XXXX XXXX sent them an email on XXXX XXXX Explaining the circumstances They ignored my email and reported me to an outside credit reporting agency. My XXXX credit score dropped 10 points
Product: Mortgage

A fixed rate XXXX XXXX XXXX ) was refinanced in XXXX for XXXX loan. The servicer of the loan is also expected to make the home owners insurance and property tax payment and it is New York Community Bank, headquartered in XXXX, New York. Servicer address is XXXX XXXX. The servicer increases the monthly balance due using an annual mailing entitled, loan analysis, without providing adequate justification. Specifically, The property taxes have remained between XXXX annual since the inception of the loan and the home owners insurance has increased from approximately $ XXXX XXXX per year, the monthly payments has increased using the annual analysis from approximately XXXX per month to the most recent XXXX during this period. The bank does not provide the requested details showing the method it uses to determine the amount of shortage. The annual increase in monthly payment amounts for the most recent year is XXXX and it exceeds the payments due for the noted variables of insurance and taxes. Accounting for the life of the loan, the accumulated amount would approximately equal ( XXXX X XXXX years= XXXX ) Upon inquiry, I have received a letter dated XXXX/XXXX/XXXX, explaining that as of XXXX XXXX, the loan servicing organization would be XXXX XXXX customer service, with the XXXX XXXX XXXX in XXXX XXXX XXXX XXXX Would you please offer a response that would allow me to address this issue if in your opinion there is matter for me to pursue, including the need for investigation or legal services if necessary. 
Thank you.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX : {$560.00} XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX  XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX : {$0.00} XXXX  XXXX Balance : {$560.00} XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$560.00} XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX  XXXX Balance : {$4700.00} XXXX  XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX BANK XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested validation ( in the form of the original contract ) from the bureau for the fraudulent account. I sent in a letter and an XXXX report just like the bureau requested before and I still havent received any original contracts, and the information is still on my report. They responded that the information was correct and blatantly ignored my request which the law states that I am able to request the contract that they have on the file between me and this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wrong address ON FILE- mail going to old address- they still have A security freeze on both my account and wife as it was removed through XXXX XXXX 2017. waited on phone well over hour I could not get the overseas representative to do anything! Asked to be transferred to US waiting and waiting finally hung up. I asked them to contact XXXX who was supposed t be updating all three agencies- that evidently did not happen- they still have old incorrect missing information on their report!
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach, and as a result, unauthorized accounts and inquiries have been made in my name. In accordance with the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the immediate blocking and deletion of the following fraudulent accounts and inquiries from my credit report : Accounts to be blocked and deleted : XXXX. XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2100.00} Inquiries to be blocked : XXXX. XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX  XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX
Product: Debt collection

On XXXX XXXX, I started a car insurance policy with XXXX XXXX. The policy effective date was from XX/XX/XXXX - XX/XX/XXXX and the TOTAL premium was {$990.00}. I made my first payment of {$160.00} on XX/XX/XXXX. Shortly, after I made my first payment, XXXX tried to increase my premium. Thus, I cancelled my policy with XXXX via email and started a new car insurance policy with XXXX XXXX on XX/XX/XXXX. With that being said, I do not owe XXXX XXXX anything! Yet, XXXX is claiming that I owe them {$1000.00} and has either sold the debt to Credit Collection Services or hired CCS to collect the debt. Thus, CCS is now reporting on my credit reports that I owe them {$1000.00}. I have disputed the alleged debt with the credit bureaus and it came back as 'verified and accurate '. Therefore, I wrote a letter to CCS asking them to validate the debt by providing me with an original contract bearing my signature and full accounting for the amount claimed to be owed. In their response, CCS didn't provide me with either of the two, but instead, a bill printout from XXXX 's website. Lastly, I called CCS and spoke with a manager, XXXX. Basically, XXXX stated that although CCS does not have the necessary documents to validate this debt, CCS will not stop reporting to the credit bureaus, unless I could provide proof of my new insurance policy and notice of cancellation. I have provided the requested documents, even though, legally, I am not obligated. Please see attached.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My credit report states that I have a missed payment in XXXX. That is incorrect. Payment History states that I paid on XX/XX/XXXX, an Extension Tax in the amount of {$75.00} ( because I extended my lease ) and made a bulk payment of {$570.00}. 

XXXX. I sent two ( 2 ) letters to the above address describing an issue with auto-payment because I was advised by a XXXX Representative to do so. 

XXXX. XXXX never responded to my letters, with my 2nd letter dated XX/XX/XXXXXXXX. 

XXXX. My loan has matured and XXXX expects me to either to buy or re-lease a vehicle. However, it seems that XXXX is tanking my credit score in order to negotiate on better terms or prevent me from leasing from a competitor. 

XXXX. My payment history was 100 % timely since I started leasing from them in XXXX. 

XXXX. I request that all months are marked as CURRENT and any derogatory remark removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). Treating these reporting items as unconfirmed information is unacceptable without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and correct them form my file immediately : 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: Credit card or prepaid card

In XX/XX/XXXX my house was visited by XXXX women XXXX of which was identified as XXXX XXXX. She attempted to forcibly enter against my XXXX mother she attempted to damage private property and she made threats on both me and my parents lives on a recorded car in addition she made mention that she had all of our Social Security numbers that she obtained from her job and that she was going to end us. I dont know this person however when I looked her up I assume that she worked for XXXX Bank I contacted them they confirmed that she did not work for them somehow someway in her LinkedIn profile it said that she worked the Bank of America XXXX contacted them back in XXXX or XXXX of XXXX. They had an investigator contact me regarding the matter saying that this person does not work at their establishment and assured me That no information of mine or my mothers was breached however on XX/XX/XXXX to the party disclose she does work for Bank of America and also verbalize that Bank of America informed her of my contact. She relayed she works for Bank of America and works from home. So Bank of America lied to me when they said that this person was not employed with them. In XX/XX/XXXX my identity was stolen where someone attempted to take out a loan in my name. in XX/XX/XXXX again a fraudulent claim came across my credit card with XXXX. This party who works for this banking institution has been relentless in sending me numerous threatening text emails and voicemails indicating that she has connections to be able to see all my information and in my life. We are currently an active court proceedings because this person is relentless in her harassment and threats
Product: Mortgage

My loan which was serviced by Select Portfolio Servicing, was closed when I refinanced my house on XX/XX/2018. I was advised that legally they had to get my escrow refund to me within 20 days. It is now XX/XX/2018 and I still do not have my refund. I have called twice to inquire about the refund and was advised that they sent the check to be cut and processed on the XX/XX/XXXX and that it would take 7-10 more business days on top of that to receive the check. I have received other correspondence from them that did not take that long and mail from anywhere in the US does not take 7-10 business days. I received a notice that my loan was closed but not that I was receiving a refund or how much it would be. I called again today and asked for an overnighted check and was advised that she would 'notate '' my request but that it would most likely take another 30 days. I feel that if I did not consistently inquire, this payment would never have been made to me. Also they had not way of sending me confirmation that the check was actually cut or sent. Also, she could not send me a confirmation that it would be coming this time again. Maybe this just was a one off error, but the whole process seemed like a scam to try to keep peoples overpayment of escrow money.
Product: Credit reporting or other personal consumer reports

REMOVE UNAUTHORIZED FRAUDULENT INQUIRIES EQUIFAX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2022, I made a electronic check payment to XXXX bill in the amount of in the amount of {$97.00}. On XX/XX/2022, my payroll from XXXX XXXX XXXX XXXX was posted to my checking account and the funds in the amount of {$97.00} was withdrawn from my TD bank checking account. On XX/XX/2022, my XXXX service was disconnected. I called XXXX in regards to the disconnection of my light service; I was told the check was returned. TD bank never notified me the check was returned because on XX/XX/2022 the amount of {$97.00} was withdrawn from my checking account for the XXXX bill. I was never charged overdraft fee for return check for the XXXX bill payment.
Product: Mortgage

I recently submitted a loan modification paperwork package to stone gate mortgage. I had this sent by priority mail so that I could keep track if this was delivered. The package was delivered on XXXX/XXXX/17. I had talked to stonegate and told them I am sending it this way and if there is anything else I need to do please call me. The girl confirmed she would do this. 
Today I get a letter from a lawyer stating forclosure procedings have started to my surprise. I called Stonegate and the girl was like it never showed up. I said it shows it was delivered. She said there is nothing they can do for me at this point. Now i am very upset, I explained my mom was critically ill and took care of her during this time. My dad had a XXXX and is XXXX and has XXXX, he is XXXX. I did what I feel any child should do. My mom died on XX/XX/XXXX, so now I am homeless and motherless and heartbroken
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to access the report using the dispute process but could not. This is not the first time this has happened.
Product: Credit card

Ok I had a PayPal credit card but never had a card and could only use it thru XXXX witch is run by Synchrony bank and when I called the company they where not welling to work with me and they didnt believe that I didnt have that amount of money so I had to call my bank and put a stop payment cause I knew I didnt have that sort of Income in my bank. Plus I neve had a true credit card number or things like that like you would a normal credit card so I have no sort of proof it was all done thru pay pals site but I should have done this. Few years ago but I never thought it would effect my credit score or my life and its doesnt matter how I keep the payments going and all this it wont change what they did and it is the truth have an amazing. Day. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I sent my FTC report, ID, to TransUnion. I reported that I had a fraudulent account.
Product: Credit card

I went to a company ( XXXX ) for a medical issue that my doctor said was my last resort to avoid the XXXX I had to endure almost monthly. However, the company went bankrupt and gave their contracts to another company to which their lawyers sent out a letter to opt out of the next company and i did. Considering i felt as though it was a scam. I told Comenity that I opted out and they were bankrupt, they told me to go to the other company and try to get a refund. I tried multiple times to get info and refund or even get a location as to where that location was located. After talking to comenity for months telling them I could n't get a hold of anyone or get a refund with multiple disputes, they tell me to go down to the office that is located in the exact spot where I was getting XXXX before ( Am I they only person who sees scam? ). I get in my car and drive down there immediately only to find out that company is bankrupt as well. Comenity, now informs me to send a fax of all my XXXX history. I sent them a fax on XX/XX/2016 stating my contract was special due to my medical issue. That the usual contract was for XXXX treatments, I was allowed unlimited if my XXXX back and that due to XXXX I was able to get XXXX 3 times on other areas, but only once on the area i went in for in the first place, because you ca n't shoot lasers into an open wound. I got a letter back saying that I did n't put in the number of treatments. To which I went to their XXXX page livid asking if they were capable of reading. I got a number to escalated customer service explained the fax and a woman wrote in my exact details of the issue explaining why my issue was not cut a dry. I thought the issue would finally get resolved, but they closed the dispute, said I have to pay and the only way now to open a dispute is to write them a letter and find a copy of my contract from XXXX, that has now been chapter XXXX for over a year.
Product: Debt collection

XXXX  a debt collector has taken me to court over an account that is identity theft. I have requested the account number, details, and 609 fair credit act information and the company has fail to comply. I also was sued this past summer and the case was just reopened! The company has a reputation for harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint through this portal ( XXXX ) in regards to XXXXXXXX XXXX. I received an email from the Director stating that there is not an account in my name that could be located and can not be validated. In turn, this company does not appear to be licensed to collect in the state of Indiana.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 I was a victim of a scam on my CITIBANK checking and savings accounts. Someone made unauthorized wire transfers from my checking and savings accounts. I got alerts from the CITIBANK of a new payee being added and wire transfers being sent to the individual. 

On XX/XX/2021 I attempted to call the number on the Citibank email alert immediately after getting the notice and no one ever answered my call. ( See call logs on attachments and email from Citi wanting my feedback from call ) I also responded to the email alerts that I didn't authorize a new payee or authorize the transfers. I was bounced around from one department to another and nothing was done. Finally one department took the call and placed a hold on my accounts to prevent any other transfers. They also said I should open new accounts. I was transferred to the new accounts department and that was it. A new savings and checking account were opened that day as a result of the call about fraud. ( XX/XX/2021 ) When I called back for an update I found out they hadn't even opened a ticket to start recovery or research. The Wire department didn't begin any actions until well into XXXX. This was all due to my calling in for an update. ( Email from Citibank showing I called in attachments ) Unauthorized Wire Transfer taken out of my account on XX/XX/2021 Checking Account {$320.00}, Savings {$700.00} and Savings {$360.00}. 

During this time they received 3 deposits ( Payroll and IRS ) and held the money even though the sources were from valid sources. 
Deposit dates : XX/XX/2021 XXXX Payroll {$100.00}, XX/XX/2021 {$100.00} XXXX, Payroll XX/XX/2021 {$250.00} IRS. 

XX/XX/2021. Today when I called I was told that there is nothing that can be done and that I need to start legal actions against the person who stole the money. They have not sent any letters advising case status or resolution. They have the name of the person who stole the money and had it transferred to his account but will not provide it to me start any legal actions. 

The only thing that was sent to me was {$100.00} that was transferred from the locked account and used to open a new checking account. They closed the account saying they needed additional information from me. 

It's now XX/XX/2021 almost 3 months later and nothing has been done or refunds made to me for the stolen money or the deposits. 

I have added proof of my calls on XX/XX/2021 to show that I called immediately to start my claim of fraud and to start the investigation. The bank delayed the research and recovery efforts by never even opening the case until XXXX. I shouldn't have to be penalized because of their lack of urgency or delayed response. 

I have been cursed out by employees from entry level all the way to management within the WIRE TRANSFER department. Placed on long holds and even hung up on after placed on hold. I have had this account for years so I am a long term customer.
Product: Credit reporting or other personal consumer reports

There are several inaccuracies on my consumer report. 

PERSONAL INFORMATION NAMES : XXXX XXXX XXXX XXXX ACCOUNTS : XXXX. INQUIRY DATES : XX/XX/XXXXXXXX XXXX XXXX. INQUIRY DATES : XX/XX/XXXX XXXX XXXX XXXX OPEN XXXX. ( XXXX ) INQUIRY DATES : XX/XX/XXXX DEPT OF ED/XXXX XXXX XXXX ( XXXX ) INQUIRY DATES : XX/XX/XXXX DEPARTMENT OF EDUCATION XXXX. ( XXXX ) INQUIRY DATES : XX/XX/XXXX DEPARTMENT OF EDUCATION XXXX. ( XXXX ) INQUIRY DATES : XX/XX/XXXX DEPT OF XXXX XXXX XXXX ( XXXX ) INQUIRY DATES : XX/XX/XXXX DEPARTMENT OF EDUCATION XXXX. ( XXXX ) INQUIRY DATES : XX/XX/XXXX DEPT OF ED/XXXX XXXX XXXX INQUIRY DATES : XX/XX/XXXX XXXX XXXX XXXX XXXXNQUIRY DATES : XX/XX/XXXX XXXX XXXX  XXXX XXXX. INQUIRY DATES : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX. INQUIRY DATES : XX/XX/XXXX XXXX XXXX  XXXX. INQUIRY DATES : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX. INQUIRY DATES : XX/XX/XXXX XXXX XXXX. INQUIRY DATES : XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) INQUIRY DATES : XX/XX/XXXX XXXX XXXX XXXX. ( XXXX ) INQUIRY DATES : XX/XX/XXXX DEPT OF XXXX XXXX EMPLOYMENT INFO : XXXX. XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX. STATE OF NEVADA XXXX. REMOVE CONSUMER STATEMENT DATE XX/XX/XXXX 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.