23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Bank of The West refused to close my account even though on the last CFPB complaint they stated it was closed as of XX/XX/XXXX. I will be uploading their response for proof. As of today XX/XX/2021 there has been several ACH payments which have put that account in negative balance. These ACH payments should have never went through if the account was closed like I was told it was on XX/XX/2021.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my sixth 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 XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( Original Creditor : ) XXXX Balance : {$110.00} ( Original Creditor : ) XXXX Balance : {$210.00} XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I had reported disputes with cyberattacks to my account multiple of times that wasn't Process at all and upon trying to get help to a live agent, but no success in doing so that's against the law to contract someone to handle your money
Product: Credit reporting or other personal consumer reports

After reviewing my consumers report, i noticed that there were a few accounts listed that do not belong to me. Here are the accounts listed below : XXXX XXXX XXXX Acct # : XXXX Bal : {$20000.00} Opened : XX/XX/XXXX XXXX XXXX XXXX- Acct # : XXXX XXXX : {$460.00} Opened : XX/XX/XXXX XXXX XXXX- Acct # : Acct # : XXXX Bal : {$3600.00} Opened : XX/XX/XXXX XXXX XXXX XXXX- Acct # : XXXX Bal : {$2200.00} Opened : XXXX XXXX XXXX XXXX- Acct # : XXXX Bal : {$130.00} Opened : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed 4 accounts with Experian. One was resolved the next day. It was a collection account that was not mine. It was subsequently removed. But then my credit score decreased by XXXX points. This doesn't make any sense at all, and I can not reach anyone to explain or rectify it. 

Help Sincerely..
Product: Debt collection

Midland Funding put collection on my credit reports without my knowledge and in doing so, this violated the FDCPA Collection Practice by placing a collection account on my credit report without sending a letter to me. Please be advised this is not a refusal to pay a debt, but a notice pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. Midland Funding also failed to follow FDCPA by not sending a letter giving the consumer time to dispute or validate the alleged debt within the allowed 30-day time frame that is allowed by law. I have no knowledge of this account. I request that you please verify the following information to assist identifying whether this debt is valid : 1. Full original account number 2. Date original account opened 3. Any written agreement ( s ) between myself and the original creditor stating I agreed to pay alleged debt 4. Consumer address at which original account was opened 5. Date of first delinquency 6. Itemized calculation of alleged debt If Midland Funding is unable to provide the above identifying account information I will have no recourse but to presume the debt invalid and/or fraudulent, request account deletion from all credit reporting agencies, and request that the account not be sold or transferred.
Product: Mortgage

I have recently been awarded as a 100 % XXXX veteran and applied for property tax reduction as such.. The County ( XXXX XXXX, CA ) has issued a refund on property tax retroactively from the date I was awarded. In doing so the County sent out a form to the mortgage company ( Sun West Mortgage ) that paid the taxes on my behalf in an escrow account. The form lets the mortgage company determine if the refunded monies go to the home owner ( Me ) or paid directly to the Mortgage Company. My loan with Sun West Mortgage was closed Mid XXXX as I had refinanced to another company. With the beforementioned information Sun West without regard that my loan was no longer serviced by them elected to have the monies sent to them. The monies were sent to a third party company that Sun West uses to pay property taxes for there accounts and has been in there possession since XX/XX/XXXX. I have had daily phone conversations with the company and am just getting the run around as to where my refunded property tax money is! It was not identified that the money was sent to the third party until XX/XX/XXXX. Since than I have spoken to supervisor XXXX and XXXX. My last conversation with XXXX on XX/XX/XXXX was not even noted to the account according to XXXX whom I spoke to on XX/XX/XXXX @ XXXX. I had called at XXXX on XX/XX/XXXX and left a message for XXXX XXXX said he would call me back Monday morning and has yet to do so to this point. Since Sun West no longer has an active account with me they should have not of elected to receive my refunded money from the XXXX XXXX XXXX XXXX and I would have received my refund by now, like I did with the other refunds for the prior years from a different mortgage company. I feel as a XXXX veteran this company is taking advantage of the situation to control someone else 's finances, not sure if they do this kind of thing all the time to there customers but they are sure using my money for something since they don't seem to want me to have it!
Product: Debt collection

ATG credit is charging me for something my insurance approved. I havent received a bill from these people but all my test and pre procedures surgeries are always pre approved before I do them since 2013. I have XXXX co-pay on everything due to XXXXXXXX XXXX XXXX and XXXX and XXXX XXXX XXXX XXXX XXXX XXXX. I dont know what else I can do with these people. I have no divination. XXXX XXXX and on a fixed income with XXXX children.
Product: Mortgage

We purchased our home XX/XX/2022 using a conventional loan with waived escrow ( all taxes and insurance were paid from closing ) from Highlands Residential Mortgage. Highlands then immediately sold our loan to XXXX XXXX. Highlands received a payment from XXXX XXXX at acquisition of our loan for {$600.00} for a charge Highlands claimed to have paid on our behalf that was, in fact, non-existent and possibly fraudulent. It is our understanding that XXXX XXXX will not vacate the charge from our loan until it has been paid back. At this time they are collecting it as a debt from us, when in fact, it was a fraudulent charge placed against our loan by Highlands Residential Mortgage. Highlands needs to make payment to XXXX XXXX for the {$600.00} they were paid under false pretenses before XXXX XXXX will remove it from our loan and reimburse the amount we have had to pay towards it in order to keep our loan current and in good standing. It has been over a full billing cycle since we have brought this to Highlands Residential Mortgage 's attention with no resolution. We have only received claims of needing more time, escalation, etc. but again, no resolution. XXXX XXXX refuses to vacate the amount from our account and we are having to make monthly payments via a new escrow with negative balance with XXXX XXXX for a credit from Highlands we did not receive. We have confirmed with all parties involved ; closing attorney, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX  that all taxes and insurance were paid from closing funds with checks from the closing attorney and Highlands Residential Mortgage has not paid anything on our behalf before or after closing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX credit reporting agency in regards to this matter to dispute the claims of past due balance reporting false and negative info on my consumer report. The information keeps reporting after several attempts to correct this problem.
Product: Credit reporting or other personal consumer reports

In accordance with Fair Credit Reporting act. The account listed below has violated my federally protected consumer rights to privacy and confidentiality XXXX XXXX XXXX XXXX. Under 15 USC 1681 15 U.S.C 1681 section 602 A. States I have 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 15 U.S.C 1681c. ( A ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681S-2 ( A ) ( 1 ) 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. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of alleged debt, nor therefore any such debt, in fact exist.
Product: Credit reporting

In XXXX I got a copy of my credit report and paid off each item listed. I received another report last month XXXX. Listed on the new report is a debt from XXXX. TransUnion says its verified and will not remove it. The reporting agency, XXXX XXXX XXXX confirmed it was a debt from XXXX that they bought in XXXX. They also stated they sent notices to my old address which I never received.
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. 
ACCOUNTS : XXXX XXXX - XXXX - XX/XX/XXXX - {$730.00} INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Per FTC sec.609 Credit agencies are not validating credit account.? They are simply verifying my information.
Product: Credit reporting or other personal consumer reports

I am not liable for this debt of {$1900.00} with JEFFERSON CAPITAL SYSTEM This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I May review to see if this is actually an account that belongs to me.
Product: Debt collection

Someone Came To My Home Address Who Was Not Law Enforcement While I Was On Vacation & Handed This Paperwork To My XXXXd. I Am An Adult And This Is Very Intrusive For Someone Who Is Not A Sheriff To Give This To Someone Other Than Myself. This Is A Violation To My Privacy And No One Should Know All Of My Financial Information The Way This Was Given Away Without My Permission. They Also Did Not Tell Him Who They Were Or Why They Were Handing Him These Papers. Very Unprofessional.
Product: Debt collection

XXXX XXXX I discovered that I was a victim of identity fraud when a former girlfriend co-signed my name on a lease for an apartment, resulting in my name being submitted in collections owing over {$3000.00} from XXXX. This was also submitted onto my credit report. FCO, the collection agency has attempted to collect this false debt from me last summer. Shortly after discovering this, I disputed this along with submission of an affidavit with all relevant & requested paperwork with proof of identity & my residency at the time of incidence that this debt was not mine and that I was a victim of fraud. I mailed it via XXXX and per tracking, it was delivered to FCO on XXXX/XXXX/XXXX at XXXX. The fraud report was also submitted on https : //www.identitytheft.gov/ as well as disputed on my credit report ; however, due to FCO handling this XXXX the other XXXX disputes were not submitted. A couple weeks after the affidavit submission, I began calling FCO to follow-up on my case. Every person I spoke with was extremely difficult to communicate with, no one was straightforward. They all simply beat around the bush, kept putting me on hold and I got absolutely nowhere. Furthermore, no one could confirm nor deny that my affidavit was received, despite the delivery confirmation. I called back about XXXX2 weeks later and same story, same bush. I then told them to call me once something comes up. It is now XXXX and I just received a new invoice from FCO, yet again, attempting to collect the debt. I simply can not deal with calling this terrible thick-headed company again, as no one can help me. They ignore my submissions and only submit theirs. This is a false debt, it is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian 4 times trying to resolve the issues with my personal information and addresses that do NOT belong to me. Under the FAIR CREDIT REPORTING ACT, they did NOT use reasonable procedures to TOTALLY verify the information they are receiving from their clients who FURNISH the information! They are REPORTING INFORMATION THAT does NOT belong to me and REPORTING INACCURATE information.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, AZ XXXX XXXX XXXX Date : XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Subject : Request to Update Public Records with Phone Number Dear XXXX  Support Team, I am writing to request an update to my public records in your database. Specifically, I would like my current phone number to be added or updated in your records to ensure the accuracy and completeness of my profile. Details to Update : Phone number : XXXX I have attached proof of my identity and documentation verifying my current phone number for your review. Please let me know if additional information or documentation is required to complete this request. I kindly ask that this update be processed promptly. Once completed, I would appreciate confirmation of the update to my public records. Sincerely, XXXX MA XXXX XXXX XXXX XXXX, XXXX, SC XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested verification of Account balance from XXXX XXXX Exhibit 1 show s payment never a write of XXXX next XXXX shows past due of XXXX past due its a write off? Exhibit 2 requested hardship per XXXX XXXX recived and accepted by XXXX letter states as verification the write balance and past due balance are incorrect.
Product: Credit reporting or other personal consumer reports

DATE : XX/XX/year> RE : REQUEST FOR REMOVAL OF INACCURATE COLLECTIONS FROM MY CREDIT REPORT DEAR SIR/MADAM, I AM WRITING TO BRING TO YOUR ATTENTION INACCURACIES PRESENT ON MY CREDIT REPORT. THESE INACCURACIES ARE CAUSING SIGNIFICANT DAMAGE TO MY CREDITWORTHINESS AND FINANCIAL WELL-BEING. 

I HAVE THOROUGHLY REVIEWED MY CREDIT REPORTS FROM ALL THREE MAJOR CREDIT REPORTING AGENCIES, AND I HAVE IDENTIFIED ACCOUNTS THAT DO NOT ACCURATELY REFLECT MY FINANCIAL HISTORY. BELOW ARE THE DETAILS OF THE INACCURATE ACCOUNTS : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX I AM AWARE THAT THE FAIR CREDIT REPORTING ACT ( FCRA ) GRANTS CONSUMERS THE RIGHT TO DISPUTE AND REQUEST THE REMOVAL OF INACCURATE INFORMATION FROM THEIR CREDIT REPORTS. IN ACCORDANCE WITH THIS LAW, I KINDLY REQUEST THE FOLLOWING : 1. VERIFICATION OF THE ACCURACY : I REQUEST THAT YOU INVESTIGATE AND VERIFY THE ACCURACY OF THE CHARGED OFF ACCOUNT LISTED ABOVE. PLEASE PROVIDE DOCUMENTED PROOF OF THE VALIDITY OF THIS ACCOUNT, INCLUDING ANY CONTRACTS, AGREEMENTS, OR OTHER RELEVANT INFORMATION.

2. REMOVAL OF INACCURATE CHARGED OFF : IF THE ACCURACY OF ANY OF THE IDENTIFIED ACCOUNTS CAN NOT BE VERIFIED, I REQUEST THEIR IMMEDIATE REMOVAL FROM MY CREDIT REPORTS. THIS ACTION IS NECESSARY TO ENSURE THE ACCURACY AND FAIRNESS OF MY CREDIT HISTORY.

3. UPDATED CREDIT REPORTS : ONCE THE INVESTIGATION IS COMPLETED AND ANY INACCURACIES HAVE BEEN CORRECTED, PLEASE PROVIDE ME WITH UPDATED CREDIT REPORTS REFLECTING THE ACCURATE AND AMENDED INFORMATION. I KINDLY REQUEST THAT YOU INITIATE THE INVESTIGATION PROCESS AS SOON AS POSSIBLE AND RESPOND WITHIN THE 30-DAY TIME FRAME MANDATED BY THE FCRA. YOUR PROMPT ATTENTION TO THIS MATTER IS GREATLY APPRECIATED. 

PLEASE SEND ALL CORRESPONDENCES RELATED TO THIS DISPUTE TO MY ADDRESS LISTED ABOVE. I AM PROVIDING THIS INFORMATION TO FACILITATE COMMUNICATION REGARDING THIS ISSUE. I VALUE THE ACCURACY AND INTEGRITY OF MY CREDIT REPORTS AND TRUST THAT YOU WILL CONDUCT A THOROUGH INVESTIGATION TO RESOLVE THIS MATTER EFFECTIVELY. 

IF YOU REQUIRE ANY ADDITIONAL INFORMATION OR DOCUMENTATION TO ASSIST IN THIS PROCESS, PLEASE DO NOT HESITATE TO CONTACT ME AT XXXX THANK YOU FOR YOUR PROMPT ATTENTION TO THIS MATTER. I LOOK FORWARD TO A TIMELY RESOLUTION AND THE CORRECTION OF THESE INACCURACIES ON MY CREDIT REPORTS. 

SINCERELY, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I urgently request the removal of this XXXX late payment from my account. My consistent history of punctual payments contradicts this entry, causing me undue XXXX and XXXX. I ask that you promptly rectify this mistake by updating my account.
Product: Debt collection

XX/XX/year> LVNV Funding XXXX XXXX XXXX XXXX, SC XXXX Re : Validation for account XXXX To Whom It May Concern : This letter is being sent to you in response to a listing on my credit report. This is not a refusal to pay, but a notice to request validation.

Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request calidation of the debt you say I owe you. Be advised that I am not requesting a verification, I am requesting a validation, that is, competent evidence that I have some contractual obligation to pay you. 
Please provide at least the following information within 30days from the date of you receipr of this request for validation : Name and Address of Alleged Creditor Name on File of Alleged Debtor Alleged Account Number Address on File for Alleged Debtor Amount of alleged debt Date that this alleged debt became payable Date of original charge off or delinquency Was this debt assigned to debt collector or purchased? 
Amount paid if debt was purchased Agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor If your offices fail to respond to this validation request within 30 days from the date of you receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX
Product: Bank account or service

BARCLAYSBK ACCOUNT NUMBER : XXXX XXXX/XXXX/XXXX Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify BARCLAYSBK or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : BARCLAYSBK or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Product: Credit card or prepaid card

I applied for a balance transfer with US Bank which I know exists. Soon after I was approved I began receiving emails ( from " U.S. Bank " XXXX ). I also received a telephone message. The message was from a " XXXX '' who identified himself as being from the fraud division. I was instructed to call back XXXX. I was to give the application # XXXX ( as I said I applied for a balance transfer ). I have never received any card. A recent email gave an XXXX number to call not an XXXX XXXX. Further, when I dialed the XXXX number I waited online for at least 30 minutes listening over and over again to a recording saying that I would soon be helped but I never spoke to a live person. When I checked the # using XXXX XXXX, the following came up : Scammers claim to be from US Bank complaint ( )... ( ( 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 Fraudster Complaints Finances Scammers claim to be from US Bank Complaint XXXX Fedup XXXX XXXX XXXX XXXX XXXX  United States They call saying that someone applied for a credit card in your name and they need to verify information, but don't be fooled, they only want to get your information. Comments 1 2 3 Next 0 -1 XXXX XXXX I need to know if this call is genuine and if I should return it again. Thank you.
Product: Payday loan, title loan, or personal loan

I have taken out a line of credit on XX/XX/2019. As of today I still owe {$1100.00}. I am trying to end this loan. I reached out to this company and they stated that since I live in Virginia that the are unable to make any arrangements with me. I need help.
Product: Mortgage

I took out a loan in XXXX with a XXXX XXXX XXXX XXXX XXXX XXXX for {$310000.00}. Now it appears that all the documents are fraudulent including the Note and Proof of Claim and I want to receive all info requested by my attorney in the attached QWR from the alleged new Trustee XXXX XXXX asap via Fax : XXXX XXXX.
Product: Checking or savings account

OnXX/XX/XXXX I made a deposit in good faith at JP Morgan Chase, in the amount of {$25000.00}, in the form of a check. The ATM receipt indicated that the funds would be available on the XX/XX/XXXXThe holiday passed and the funds registered to my account on the XXXX, however, JP Morgan Chase, put a " hold '' on the money till the XX/XX/XXXX for a reason that no one cared to explain at Chase Bank. They keep referring me to " loss prevention, '' that office wo n't open for another few hours here. I find the hold unnecessary and biased, as I have made a deposit from the same account for {$50000.00} on XXXX. I have filed a formal complaint about the matter # XXXX, and I am using every recourse I am able to resolve this matter. I am fairly XXXX and suffer from XXXX XXXX, and it is greatly affecting my peace of mind.