23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX, I was contacted by phone by Enhanced Recovery Company ( ERC ), stating that they were attempting to collect a debt of {$2100.00} on behalf of XXXX XXXX XXXX and asked me what card I would like to use to pay the amount. I thought it was a scam and told them that I didn't owe anyone that money. The agent the asked if the last four of my SSN was XXXX. The number she said was correct which was shocking to me! I told her that it was NOT correct and she said we must have the wrong XXXX XXXX and that they would remove my number from their information. I immediately called XXXX XXXX XXXX, because I do have an account with them, and they confirmed my account was current. On XX/XX/XXXX, I received a letter in the mail from ERC that stated exactly what she said over the phone, accept there was an account number on the letter. I called XXXX XXXX XXXX and gave them that number. They advised that someone had used my SSN to purchase a phone that was assigned a number in XXXX XXXX on XX/XX/XXXX. They also advised that the account was closed on XX/XX/XXXX for nonpayment. I contacted XXXX XXXX XXXX, as well as XXXX Theft of Identity on XX/XX/XXXX. They advised that it was fraud, but I needed to fill out a report/complaint online, which I have done, in order for it to be officially resolved. They also advised that I should contact ERC and let them know it was fraudulent. I called ERC on XX/XX/XXXX and explained that someone had stolen and used my SSN for the purchase. There response was that they could offer me a settlement amount to pay of {$1600.00}. I advised that I would be paying nothing, because it was not my debt. They repeated the settlement offer. I said I'm paying nothing and hung up.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records 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 information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX Balance : - XXXX XXXX XXXXXXXX Balance : {$4600.00} XXXX  Inquired on XX/XX/2022 XXXX XXXX XXXX XXXX XXXX Balance XXXX {$4400.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX XXXX Balance : {$0.00} XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX GA XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX Inquired on XXXX  XX/XX/2022 XXXX Inquired on XX/XX/202XXXX XXXX XXXXXXXX Inquired on XX/XX/2022 XXXXXXXX XXXX Inquired on XX/XX/2022 XXXXXXXX XXXX Inquired on XX/XX/2022 XXXX Inquired on XX/XX/2022 XXXX XXXX Inquired on XX/XX/20XXXX XXXX
Product: Student loan

Servicer continuously calls my grandmother who is not on the loan. She has received 8 calls alone just this morning. I have asked them several times to stop calling her because she is not on the loan. They refuse to stop.

I have notified them several times that they are getting a check for the full pay off amount and should be getting it sometime tomorrow or this week. Theyd said the calls would stop and theyd note the account. Calls have only once increased.
Product: Credit reporting or other personal consumer reports

I sent a letter regarding inaccurate and unknown things on my credit report to this day over 36 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 36 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the extreme amount of stress you caused me. My information has been impacted by the recent TransUnion data breach and may have gotten compromised.
Product: Credit card or prepaid card

I checked my credit score online at XXXX XXXX and discovered a drop of greater than 80 points due to a recent credit card charge on a JPMCB card services account. I have no knowledge of this account. I called JPMCB customer support and card services, I was told there is no open card listed under my name when I provided my social security number. I am extremely concerned someone has opened a card under my name and caused my credit score a hit.
Product: Prepaid card

I bought XXXX XXXX gift cards issued by U.S. Bank at XXXX on XXXX/XXXX/2016. When i attempted to use them, i got error " not authorized ''. When I called number listed on cards for customer service XXXX i discovered that cards were registered with someone else name. That means they were stolen from me. 
I was advised to fax supporting documentation ( cards front and back, receipt etc. ) to Stolen Replacement Card Request at fax number XXXX. I tried multiple times to fax documents to that number. The fax never picked up and i was not able to fax my documents. I called customer service 3 more times. I asked for a different number, email address or physical mailing address. I was told that 1. there is no mailing address, 2. there is no email address and 3. XXXX fax number is the only way to send information to card services. I am not able to send that information because the fax number that they gave me is not working.
Product: Credit reporting, credit repair services, or other personal consumer reports

On approximately XX/XX/XXXX I contacted XXXX XXXX XXXX regarding the buyout price for my lease vehicle, which was to expire XX/XX/XXXX. I was connected to a foreign call center with Chase Bank. I was told the buyout price of {$13000.00} and the representative from Chase Bank said he would fax the buyout documents. I applied for a loan and was approved from XXXX XXXX XXXX in XXXX California for the loan amount and interfaced with the loan officer XXXX. 
As the loan was being processed I received a statement from XXXX XXXX XXXX saying I was past due with a payment. I called XXXX XXXX XXXX again and told them the loan was being processed and asked if I should sent a payment. I told them it was in a process of a buyout and gave the credit union information. The representative said it would be ok and I should not send in any payment as it would affect the buyout price. I expressed concern regarding any credit late payment and the representitive said it would be no problem if the car was in the process of a buy out. 
On XX/XX/XXXX the check was sent from my credit union to XXXX XXXX XXXX and the credit union representative was also in direct contact with XXXX XXXX XXXX/ Chase Bank . 

On XX/XX/XXXX I received a flag from XXXX regarding derogatory info on my credit report. Upon investigation it was noted that my account was 30 days past due from XXXX XXXX with the payment due XX/XX/XXXX. The check was received for the close out price apparently on XX/XX/XXXX. 
My credit rating went down 81 points. I was very upset and contacted XXXX XXXX XXXX  and told them the credit union and Chase were in contact with each other and the check was sent XX/XX/XXXX, and why was a late payment reported to XXXX  when XXXX knew the loan was approved and the buyout payment was on its way to them. I feel this is very unfair and uncalled for. Chase said they indeed receive the check and the account was closed, but could not promise me that the derogatory info be removed from my credit report.
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any Intormation In me tie or a consumer inarte consumer centres as Intormation that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM Equifax.
Product: Mortgage

Wanted to do a cash out refinance with Freedom Mortgage talked with XXXX XXXX and he wanted to pay off all my credit cards and other loans.All I wanted to do was get money to replace all my windows in the house as they were old and needed replacing. He said I would need a VA appraisal, Termite letter. and water well test. This I had done. Then He wanted to do a 15 year mortgage at twice what I was paying plus I would need to pay points to get close to what my rate was. I have a 3.625 % rate now he would get me a 3.865 % rate. by now I have spent nearly {$3200.00}. He received the VA appraisal and said I needed to do some repairs on the house nearly {$20000.00}. I said I was XXXX XXXX XXXX ( XXXX  XXXX ) and on a fixed income and could not do the repairs. He said what if I found a company that would do the repairs and pay after closing. I said that would be great. I never heard back about the repair work and two day later I received a e-mail that if the repairs were not done by the XX/XX/XXXX of this month they would withdraw the finance offer.Now I have lost {$440.00} VA appraisal fee, A {$2500.00} fee for a no termite 's found letter and re exterminate for no termite 's. and {$160.00} water test. And Freedom is my regular mortgage lender 5 years.
Product: Debt collection

XXXX XX/XX/XXXX I request assistance removing an ERRONEOUS COLLECTION from my XXXX  Credit Report @ ( XXXX ) XXXX. 

I underwent XXXX on XXXX XX/XX/XXXX, >2 years ago, to correct XXXX  XXXX  in my XXXX  XXXX  at XXXX XXXX XXXX, authorized by VA XXXX Consult # XXXX. I am a medically service-connected veteran covered by the VA. 

The VA paid for Claims to two physicians : XXXX  Dr. XXXX XXXX ( XXXX ) XXXX and XXXX  Dr. XXXX XXXX. The VA said payment was accepted and therefore considered payment in full. They did not pay XXXX XXXX XXXX. 

XXXX XXXX XXXX ERROR Today, XXXX XX/XX/XXXX, I discovered XXXX XXXX XXXX -- who provided the Operating Room -- sent their Claims to the wrong address : XXXX ( an incoming vendor ) instead of the VA Claims address. The VA called XXXX XXXX XXXX at ( XXXX ) XXXX and advised them to resubmit the Claim AGAIN : The first request was on XXXX XX/XX/XXXX. 

XXXX XXXX XXXX said that they were working on my account to stop COLLECTION by Aargon Agency. However, Aargon Agency refused to stop COLLECTION on my account. My credit score dropped nearly 100 points in XX/XX/XXXX. 

Today, VA XXXX XXXX called both XXXX XXXX XXXX and Aargon Agency ( XXXX ) XXXX [ COLLECTION ACCOUNT # XXXX ]. 

THE RESULT? 
The collection is still on my XXXX  Credit Report. I filed the seventh dispute today. 

Additionally, XXXX XXXX XXXX is still trying to collect for XXXX despite accepting payment from the XXXX VA XXXX XXXX XXXX Aargon Collection Agency that "  Balance Billing '' [ charging me individually for the difference in payment schedules ] is illegal. 

Thank you for your attention in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts that are open in my name that are fraud and I didn't authorize
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I requested XXXX, Equifax and XXXX to remove items from my credit report because I never provided permission for any information on my credit report. They have not provided documentation to confirm my approval to use any information. Instead of providing the consent I sent to them, XXXX sent me a message stating I did not send the letter I provided. I have not heard from XXXX or Equifax as of today.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a collection for XXXX XXXX on my credit report. It is fraudulent, I have included the fraud report in my initial dispute however the credit bureau refused to remove the fraudulent collection
Product: Vehicle loan or lease

I got a vehicle in 2010 around XXXX from jd byrider Cnac was the loan company well this was in Indiana and the vehicle had a warranty of 24 months or 24000 miles well we moved to South Carolina and I did not drive the vehicle I pulled it on a trailer got to South Carolina and the transmission starting to slip well contacted cnac and they told me to take it to jd byrider in sc well I did and the area I got the vehicle was a corporate office well in sc they did not have one so they were trying to charge me well cnac in Indiana told them no. So took it to XXXX Georgia got the same response want to charge me for a warranty repair so I told cnac this not right so the account mgr went to his supervisor and we can meet up with this they would pick up truck sale it at a auction and take the balance down to XXXX owed. I said ok, they got vehicle but could not get it out of tow truck lot I ask my account mgr what he wanted me to do and he ask if I could get vehicle out of impound lot I did well it cost me {$1000.00} to do so they say I owe them XXXX well they did not reimburse me nor remove the amount they got for the truck off let alone they were in violation cause they would not fix warranty repairs let alone remove any balance they promised me.
Product: Bank account or service

When I opened an account with Regions Bank the put me in an " opt In '' status without asking me. Opt in means that the keep paying your debit charges even though you have no overdraft protection. As with a normal debit card it will refuse the charge if there re insufficient funds, they call this " opt out '' which should be the default like all debit cards. Now I have accumulated XXXX in NSF charges. They did not give me a choice as to " opt in '' or " opt out ''. why would anyone chose to pay a XXXX overdraft fee for a XXXX debt charge. They are a rip off.
Product: Debt collection

My wallet was stolen. I filed a police report and now I pulled my credit report and someone has obtained a auto loan in my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent the credit Bureaus letters asking them to verify the debt on my report. they have sent it back stating that everything is verified correctly. My credit report is showing inaccuracies. 15 U.S.C 1681-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
XXXX XXXX Auto Dealers, New XX/XX/XXXX XXXX XXXX - XX/XX/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 XXXXXXXX
Product: Checking or savings account

My account was in negative status for about two weeks ( - {$200.00} ). I do have a direct deposit that goes into the account bi-wkly ( {$50.00} ). Then I made a cash deposit on XX/XX/year> for {$600.00} but there was no available balance. I called PNC customer service who then referred me to fraud services. At this time I was told the account is closed as of XX/XX/year>. I had not received any notices of closing. So then I went to the local branch in XXXX, PA and was told the funds maybe available on XX/XX/year> but the account is still closing. Then I asked why is a cash deposit pending? Response was only that it should be available tomorrow. Then advised me to call a toll free number tomorrow.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft. There are inquiries on my XXXX, Equifax and XXXX credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are 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
Product: Money transfer, virtual currency, or money service

I had an square account, which was deactivated with a higha balance on it. The email associated with the account is : XXXX Square placed a 90 days hold onnthe funds and i was told the money will be available to withdraw after 90 days. The days already passed and in fact its been a month after that 90 days expiration date. I tried to log in to the account to transfer the funds to my bank, but I noticed the entire funds on the account has already been withdrawn and there is no money available on the account. The total balance on the account was approximately XXXX XXXX, but it all has been withdrawn by someone to several different bank accounts with different names. Im not sure how Square allow that to happen. All the funds has been transferred to several bank accounts with different owners. I tried contacting square several times by email and phone, but they are absolutely not helpful and its a large amount of money that currently I dont have access and request to immediately resolve this issue
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

As of today XX/XX/2020 XXXX XXXX is still incorrectly reporting that I have an outstanding balance of {$1100.00}. This balance was paid in full.
Product: Mortgage

I am just lost foe words now I do not know whom to talk to or reach out to, this has been going own since XX/XX/2015, I was originally approved for a Deed in lieu moved out home moved in with my mother in law, had inspectors com to home several times, kept getting the run around stating we need this we need that nothing, call in get transfer to everyone but whom is over the account, ok now we found someone to buy the home got an agent to help us we are still getting the run around, stating we need this we need that, my agent sent over everthing an I even sent the paperwork on my behalf as well. Im just so tired of going back an forth with this Company Select Portfolio Servicing, I dont know whats going own over there but something needs to be done because for number one they have are not organized no one no nothing an im tired. I expressed to them that I am not able to afford this home due to my income & hours dropping. Can someone please help or direct me where I need to go to get this situation done an over with. I am mentally drained
Product: Credit card or prepaid card

Someone attempted to open a TD Bank/target card in my name today XX/XX/22. They stated that they denied the application. I want it on record that this be removed from my three credit bureaus.
Product: Checking or savings account

U.S. Bank new account promo code " XXXX '' for {$400.00} bonu $ offer accepted, confirmed, applied upon opening ( eligible status ), now refuses to pay due to some technicality not made known at opening or anytime after, which cost consumer one or more bonu $ offer $ with other financial institutuions!
Product: Credit card

I monitor my credit reports weekly and found that a hard inquiry showed up on my XXXX report on XXXX/XXXX/2016. I contacted Citibank, the company that made the inquiry to find out why. I called the fraud department and spoke to XXXX, he would n't tell me his last name. I called on XXXX/XXXX/2016 about XXXX central time. Since I did n't have an account with them, they told me to disregard it. I told them I would not disregard it because it was affecting my credit and I wanted to know whether or not someone was trying to open an account in my name or if not then why they were pulling my credit. They then hung up on me.
Product: Mortgage

Lennar Mortgage, requested from my husband : " Passport or Naturalization Certificate. '' They did not request similar docs from me. 
In the loan application, we each affirmed that we are citizens. 
We feel this request transgresses their rights under fair lending. 
XXXX XXXX, XXXX - Sr. Loan Officer, ( o : XXXX, XXXX XXXX wrote : " Whenever the credit report has an alert of any kind, we are required to address and document to insure that we have all the correct data on our loan application. In this case for XXXX, the alert indicates that his Social Security Number was not issued until he was around XXXX or XXXX  years of age. With this alert showing, XXXX XXXX and XXXX XXXX require we document and address any and all alerts that are on the credit report for SSN issued after the age of XXXX and issued after the year XXXX. XXXX, we arent asking for your information because per your alert your SSN was issued before the age of XXXX and before the year XXXX. '' We responded : 1. XXXX XXXX requires that you validate SSNs with the SSA directly or through a vendor. Have you done this? 
2. In my reading of the Tax Reform Act, there is no requirement to validate citizenship for mortgages loans. See : https : //www.congress.gov/99/statute/STATUTE-100/STATUTE-100-Pg2085.pdf So, I do not understand its relevance to validating SSNs. 
3. Fair lending does not allow for lenders to require citizenship. Lennar may have its steps but they must be in compliance with laws and regulations. 
4. Proof of citizenship ( passport or Naturalization ) does not validate SSN. A citizen could very well commit identity fraud the very thing you purport to avoid. Those documents you request do not include SSN. 
5. Your CFPB excerpt cites your right to ask about residency status. You have a pay stub for XXXX from his employer : the Internal Revenue Service. The federal government does not employ anyone here in the US illegally. You also see from the credit report that he was given a SSN in his twenties, his address since XXXX in Maryland, and the fact that we paid off our home. 
Again, if providing XXXX passport or Naturalization certificate is required, we will provide. However, we will not provide personal information simply based on a request that does not appear to have basis. 
XXXX XXXX, Production Manager ( o : XXXX, XXXX XXXX wrote : As the guideline states from XXXX XXXX, the lender must verify the Social Security Number, they provide the autonomy for us to elect what best practices are needed for complete validation of a Social Security Number. 
and These documents are our requirements and I have provided the reasons/justification of these guidelines. You have every right not to agree with them. At this point, there are two options : 1 ) provide the needed documentation for your file or 2 ) withdraw your application. The path to your loan approval with us requires these items.