23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I had pulled my annual credit report and seen that I had a debt collection from XXXX XXXX. I sent a letter to the company asking to verify the debt on XXXX/XXXX/2016. I received a letter back including information for XXXX separate debts. XXXX which did not belong to me. They belonged someone with the same first and last name but a different middle initial. The letter included documentation to verify only XXXX of the debts which had an address for the other person. The address listed on the document was not my address and I have never lived at said address. I send a second letter to XXXX XXXX on XXXX/XXXX/2016 asking to verify that this is indeed my debt and why they think it belongs to me. I received a response from XXXX XXXX dated XXXX/XXXX/16 stating again the XXXX debts. They included with this letter a document verifying the other debt and once again there was an address listed for another person. On XXXX/XXXX/16 I sent a complaint to XXXX XXXX stating that are reporting inaccurate credit information based on the documentation previously mailed to me. I explained that I have never lived at either addresses and the person whom they are seeking is not me. I asked that they comply with federal law and remove the debt from my credit reports including all XXXX reporting agencies. I waited over 30 days with no response from XXXX XXXX. I have disputed the debt with all three credit bureaus which have stated that the information was correct and would not be removed from my credit report. I sent a letter to XXXX XXXX on XXXX/XXXX/16 asking to verify yet again that this is indeed my debt. I have not been given a response from XXXX XXXX, and the XXXX reporting agencies have not assisted me in this matter. Please help me alleviate this collection account.
Product: Money transfer, virtual currency, or money service

Someone has used my social security number and address to open a CashApp account in my name. 

I know this because on XXXX I received a 1099-K tax form from Block , Inc, for Cash App. It says I made {$6700.00} through Cash App inXXXX with 703 transactions. I do NOT have a CashApp account and never have. Apparently CashApp will report this as earnings to the IRSearnings that aren't mine.

I called Cash App support on XXXX and on XXXX. CashApp will not help me because I don't have the email and phone that the scammer used to open the account ( how could I? ) They told me to contact IdentityTheft.gov ( which I did ) and to file a report with my local police dept. Despite the serious financial risk I'm incurring due to their product, which I have never even used, they have done nothing to assist me besides sending me form letters saying that they have " thoroughly investigated your concerns and provided an outcome to the issues you raised '' ( this was sent via email roughly 5 minutes after my initial call to customer service, which is clearly not enough time to thoroughly investigate anything ). The " outcome '' they refer to appears to be nothing more than using my " complaint '' to " improve our operations. '' They refuse to : -allow me to talk to their fraud department -allow me to talk to a manager via phone ( they insist on email ) -confirm that they've closed the fraudulent account -confirm that they've redacted the 1099-K form that they've presumably reported to the IRS with fraudulent income under my name -confirm that they will block future accounts from being created with my social security number and personal information -refer to what this is by it's true name : fraud. Instead they insist on calling it a " complaint '' which undermines the undeserved financial impact on me, reframing it as a simple gripe. 

In short, they allow these accounts to be created with basic information that can easily be obtained by thieves ( especially to those of us who suffered the XXXX XXXX ) and zero true identity verification. And knowing this is possible, they provide no path of recourse for those of us who have been affected by this poor security on their part, through no fault of our own. It is unacceptable that people who have never even used their app can be forced into tax obligations through their negligent, fraudulent users. 

This has taken incredible amounts of time to deal with, which is another financial hit because I have to take time away from work.
Product: Credit reporting, credit repair services, or other personal consumer reports

A letter was mailed CERTIFIED to the following attached companies-see documents. The company was asked for ORIGINAL CONTRACT, PHYSICAL SIGNATURE, RECORDING OF VIDEO/AUDIO showing I ever asked for a line of credit. Furthermore, they were asked to tell me whom they corresponded with, their name, their ID number, contact phone/address. You can see they did not. PROOF they are not validating and/or verifying as required under the FCRA. Company responded with various answers but could not provide me with SPECIFIC information as requested. 

By law, they have to remove all accounts that are not 100 % factual and true. In addition, they have to pay me {$1000.00} per offense for defamation of character and destroying my ability to get credit. 

Furthermore, any accounts that have been charged off, under the FCRA, CAN NOT HAVE A BALANCE. Must read XXXX They have the option to make it read XXXX or remove the account all together for improper reporting. 

And finally, any accounts using variations of my name, not using my full name : first, middle and last, are fraudulent and need to be removed immediately.
Product: Credit reporting or other personal consumer reports

I have a near perfect credit score. I applied for a credit care thru XXXX XXXX XXXX California Nevada. I was denied because XXXX " could not verify the Social Security Number or alternative identification number '' I provided in my application against information they " obtained from the credit reporting agency '', Experian. I was advised to call Experian at XXXX. I reached an automated answering system that, when I tried to get an explanation, could not offer any explanation and said that it was not possible to speak to a " representative '' at all. I logged onto the Experian website and found there is no freeze on my credit, and no way to contact anyone at Experian to troubleshoot. It is therefore completely impossible to figure out why I can not apply for new credit cards.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following information and accounts do not belong to me. 
I have been a victim of identity theft. 
I need this matter to be investigated by credit bureaus and all the following accounts and inquiries to be removed from my credit account and credit report immediately. 

1 ) XXXX XXXX XXXX Account # XXXX 2 ) XXXX  Account # XXXX 3 ) XXXX  Account # XXXX 4 ) XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX ) Account # XXXX 5 ) XXXX  XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # XXXX 6 ) XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # XXXX 7 ) XXXX  XXXX  ( Original Creditor : XXXX XXXX ) Account # XXXX 8 ) XXXX  XXXX ( Original Creditor : 08 XXXX XXXXXXXX ) Account # XXXX 9 ) XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX  ) Account # XXXX 10 ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX A ) Account # XXXX 11 ) XXXX XXXX  ( Original Creditor : XXXX  XXXX  XXXX XXXX  XXXX XXXX  ) Account # XXXX 12 ) XXXX XXXX XXXX Account # XXXX 13 ) XXXX XXXX Account # XXXX 14 ) XXXX  XXXX Account # XXXX 15 ) XXXX  Account # XXXX 16 ) XXXX  Account # XXXX 17 ) XXXX  Account # XXXX Inquiries : -XXXX XXXX XXXX XXXX XXXX XXXX  -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -XXXX  XXXX XXXX
Product: Credit reporting or other personal consumer reports

I previously disputed XXXX collection accounts from my Equifax credit report. Equifax ignored my request for documents and evidence submitted with my disputes. I was never provided any documents I requested or was notified of the results. I have XXXX account from XXXX XXXX XXXX and XXXX from XXXX XXXX XXXX reporting XXXX verified debt on my credit report.
Product: Mortgage

I have a XXXX year mortgage with a great interest rate from Caliber Home Loans that I obtained in XXXX. I have paid the mortgage consistently since I received it. My payment was approximately {$1700.00}. I typically paid that amount. In XXXX XXXX, I paid {$1800.00}. On about XXXX XXXX, XXXX, Caliber Home Loan sent me a statement alleging that I had a negative escrow balance. The new statement would increase my monthly payments by {$600.00} effective XXXX XXXX, XXXX. This would increase my payment from to {$1700.00} to {$2400.00}. I paid {$1800.00} on XXXX XXXX an additional {$600.00} payment in late XXXX. My mortgage payment includes taxes and insurance. In XXXX, I paid {$2400.00} for this new mortgage payment. I understand that taxes and insurance increase. However, my taxes and insurance only increased by less than {$20.00} in XXXX. I reached out a non-profit for helping home owners. They called Caliber and no one could explain how the new figure was calculated. Caliber corrected the month statement back to close to the original payment. The new payment I was told to pay was {$1800.00}. I paid and continued to pay this new amount. In XXXX XXXX, Caliber sent a new statement alleging that the escrow account had a negative balance and that effective XXXX XXXX, XXXX, my monthly payment would increase by {$500.00}. Again, I checked my taxes and insurance and my insurance increased by {$14.00}. Caliber has not explained to me why I have a negative escrow balance of {$4900.00}, when I have never missed a payment and my payment includes my taxes and insurance. I want Caliber to stop attempting to extort money out of an XXXX person.
Product: Student loan

I have a judgment against me and I have been trying to get in contact with someone about resolving the issue. I am being told that my file is " archived '' and that they can not open the file. In the same conversation I was told I had a XXXX balance and in the next breath I am being told I have a balance. They will not send me anything at all. Each time I call I have been transferred to another department or given a fake voicemail or hung up on. They refuse to send me anything because the file is " archived '' I keep getting told that my file isn't handled by this department and keep getting phone numbers for other departments. And when I call them or if they transfer me ( without hanging up ) then that department tells me they can't help, it is another departments responsibility. 

I started this endeavor on Friday, XX/XX/2021 and today, XX/XX/2021 have tried to resolve my issue, but to no avail. So for over a week I have been jerked around and it is getting old.
Product: Vehicle loan or lease

I have finished my lease term and am looking to purchase the vehicle. During my lease term, I filed a XXXX  XXXX bankruptcy. This loan was not included in the bankruptcy. A re-affirmation agreement was signed and included in the bankruptcy court. Due to my account being flagged as bankruptcy, which it should NOT be due to the re-affirmation agreement, I have limited access to my online account with ALLY. I am not able to use the chat or email function or access my lease end paperwork. When I call ALLY, because my account is flagged as bankruptcy, they automatically transfer me to the " post bankruptcy '' department after pleading with them not to. I have spoken to post bankruptcy department almost XXXX times. I have been given XXXX different amounts as the amount I need to pay. Ashin in post bankruptcy told me the amount I owe is {$15000.00}, then he said {$16000.00} and then it changed to {$18000.00}. When I asked him why the difference he was unable to answer. I asked for the paperwork to be mailed or emailed to me so I can review it and he said that is against the policy. He would only fax. I provided a fax number and was told I would receive the information in XXXX hours. This was on XX/XX/year>. I have not received a fax as of XXXX today XX/XX/year>. I attempted to call yesterday and explain the situation. I asked for a supervisor and was refused. I was placed on hold until ultimately I was hung up on. I called again XX/XX/year> and attempted to have the paper work faxed. The representative said XXXX hours. I have not received any paperwork to but the lease and can not get through to a supervisor or another department to assist. I am starting to feel as though this department is trying to scam money out of me.
Product: Credit reporting or other personal consumer reports

RE : Consumer ID # ( XXXX ) Dear Collections and Consumer Relations Dept. : This letter is in response to your recent claim that XXXX XXXX XXXXXXXX account # : XXXX has XXXX XXXX verified that I have had an account with them. Yet again, you have failed to provide me with a copy of any viable evidence submitted by XXXX XXXX XXXXXXXX Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. Additionally, please provide the name, address, and telephone number of each person contacted at XXXX XXXX  XXXX regarding this alleged account. I am formally requesting a copy of any documents provided by XXXX XXXX XXXXXXXX bearing my signature, showing that I have a legally binding contractual obligation to pay them. A bank clerk looking at their computer screen, seeing my name listed in their database is NOT verification or validation of any alleged debt. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. 

Failure to comply with federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC, CFPB and the state of Minnesota Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX XXXX ), you may be liable for your willful non- compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking {$5000.00} in damages for the following : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act Sincerely, XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX CITICARDS CBNA XXXX XXXX XXXX PLACE MAIL XXXX XXXX XXXX XXXX, SD XXXX Phone : ( XXXX ) XXXX Re : Dispute and Demand for Debt Validation Under the FDCPA Account No. : XXXX / SSN : XXXX Dear Sir or Madam, I am writing to formally dispute and demand immediate validation of the alleged debt referenced above. I categorically state that I did not apply for or authorize the opening of any credit card account with your institution. I suspect that this account may be the result of identity theft or a clerical error. Under the Fair Debt Collection Practices Act ( FDCPA ), I demand that you provide full and verifiable documentation establishing this debt and linking it to me. 

Account Information for Your Reference : - Account Name : CITICARDS CBNA - Account Number : XXXX - Account Type : XXXX XXXX  ( Credit Card ) - Date Opened : XX/XX/XXXX - Status : Closed Charge-off ( Status updated XX/XX/XXXX ) - Current Balance : {$9000.00} ( Balance updated XX/XX/XXXX ) - Credit Limit : {$3500.00} - Last Payment Date : XX/XX/XXXX - Past Due Amount : {$5500.00} - Highest Balance : {$0.00} - Responsibility : Individual Account Pursuant to the FDCPA, I hereby demand that you provide the following documentation without delay : XXXX. Proof of Authorization : Provide copies of any application, agreement, or other documentation that purports to show that I applied for or authorized the opening of this credit card account. 

XXXX. Chain of Assignment and Title : Furnish a complete record detailing the chain of title and any assignment linking this account to me, including evidence establishing your legal standing to collect on this alleged debt. 

XXXX. Verification of Debt Amount : Supply detailed account statements that verify how the current balance of {$9000.00} was determined, including an itemized breakdown of all fees, charges, or interest applied. 

XXXX. Explanation Regarding the XXXX : As the account has been charged off, if the debt has been canceled or forgiven, I should have received a Form XXXX. Please explain why I have not received this form if the debt was indeed canceled. 

If you fail to provide the requested documentation within XXXX days of your receipt of this letter, you must immediately cease all collection activities and remove any negative information regarding this alleged debt from my credit files. I reserve all rights under federal law to pursue all available legal remedies, including filing formal complaints with the Federal Trade Commission, Consumer Financial Protection Bureau, and other applicable regulatory agencies. 

All future communications regarding this matter must be in writing and sent to the address provided above. 

Thank you for your prompt attention to this serious matter. I expect your full response within XXXX days of receipt of this letter. 

Sincerely, XXXX XXXX
Product: Mortgage

Our mortgage company keep forcing us to take money from our escrow accounts to pay our home insurance. 
We been with XXXX XXXX for six years. Our home insurance is not due until XXXX XXXX which was payed two weeks ago. I spoke to one mortgage company associate they told me XXXX XXXX ls our home insurance.when I received my mortgage statement I was told they took it from escrow account.
Product: Credit reporting

I found out there was a judgment placed against me for a CC account that I never opened. Upon finding out about this judgement, I contacted the circuit court, who gave me the information of the company who filed the judgement. I finally tracked down the original company ( XXXX XXXX XXXX XXXX ) who took the account with hopes of collecting the defaulted funds. Through constant communication and filing an ID Affidavit with there company, XXXX consented verbally to XXXX to remove the fraulent account from my record. XXXX sent written correspondence for XXXX and Experian to do the same. XXXX also notified both agencies to inform them that the accounts were removed on my other reports. I, too, sent correspondence letting XXXX and Experian know as it was suggested that I do so to ensure that my credit reports reflected similar, accurate data as much as possible. XXXX reviewed the info and removed the account from my report. Experian has refused to remove the report although I have provided them with the same information I gave to XXXX, XXXX, and XXXX proving that this judgment should have never appeared on my credit reports. I do not feel like I 've received serious or effective assistance from Experian in a manner that effects my current and future livelihood.
Product: Credit reporting or other personal consumer reports

This is my numerous endeavor that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please remove the reporting of any information in my credit file that resulted from an alleged identity theft. 
XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance XXXX : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX XXXX Owed : {$950.00} XXXX  XXXX XXXX Balance Owed : {$95.00} XXXX  XXXX XXXX Balance Owed : {$320.00} XXXX XXXX XXXX Balance Owed : {$250.00} XXXX XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

As of XX/XX/year> there was a nationwide data breach to Social Security. This data breach affected over XXXX XXXX United States citizens personal information such as email, residental home address, social security numbers were leaked and much more such as my inforation was included. 

The action taken is that I have file an Identity Theft report with Fair Trade Comission.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian consumer reporting agency is reporting Inquires on my consumer report that I did not Authorize. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FICO- XX/XX/2022 XXXX XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Checking or savings account

XXXX XXXX is a scam company. They are selling items on XXXX which do not do what is guaranteed. I filed a dispute with PayPal to recover my funds and I am being given the runaround. I use PayPal because if an item is not as described, I should be able to recover my funds. Unfortunately, this has not happened. Furthermore, XXXX XXXX has threatened not to refund 50 % of my money if I escalated the claim. PayPal charges for buyer protection, but has not resolved the issue. The product is not XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I use Regions Bank and have 2 checking accounts and one savings account. I have the both checking account set up for taking out of savings if if checking accounts overdraft. I also called to have secondary checking account draft money from main checking account if not enough in savings. Last night my second checking account overdrafted. and there was not enough in savings but I was charged a {$36.00} fee because money was.not drafted from primary account account. I called and was told money can not be drafted from primary account to cover secondary account. I told the supervisor that I had called a couple months back and service representative said I could draft from primary account. This bank is practicing unfair trade actions and should be avoided
Product: Credit reporting

While checking my personal credit report, I discovered an Unauthorized and Fraudulent credit inquiry made without my KNOWLEDGE or CONSENT by XXXX on or about XX/XX/XXXX on TRANSUNION credit file. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX has violated the Fair Credit Reporting Act Section XXXX ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I am requesting that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately.