23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The debt of XXXX was paid on XX/XX/XXXX. Today ( XX/XX/XXXX ) I called Enhanced Recovery Co. to dispute the claim. They told me I have to call XXXX XXXX where it was forwarded. I have already paid off the debt on XX/XX/XXXX, so there is XXXX balance on the particular event that is on my credit history. They are trying to get me to keep paying more money when it is already paid off. I called ( XXXX ). The man on the phone is named " XXXX '' who is from Enhanced Recovery who claims he is a supervisor when he's the original person that answered, he may or may not be. He keeps trying to get me to pay more money for an already paid due. My financial advisor is guiding me and says this is illegal to keep trying to collect money for a debt that was already paid years ago. This guy went from saying I need to pay {$190.00} and is now saying I only have to pay {$140.00} because he is giving me a discount but that's the lowest he can go, and I feel like I'm negotiating in a flea market in a third world country and this whole thing doesn't feel right and seems illegal. Please help me get this deleted off my credit! Thank you for your time. 

Kind regards, XXXX
Product: Checking or savings account

This case is about {$8000.00} being taken out of my account at M & T bank on XX/XX/2022 without my knowledge or permission.M & T bank should have notified me of a large transaction like this if I authorized it or not.The account was suppose to being watched for suspicious behavior the IT staff at M & T should have thrown a flag up with this large of a withdrawal.I should have been notified.When I discovered this I was at the bank before they opened and waited for the Manager and disclosed what happened.My account was compromised and the banks job is to protect their Customers assets.I started a dispute with M & T bank and they should in good faith return the money that was taken out of my account.It is the banks responsibility to protect at all times the customers hard earned money.
Product: Mortgage

I have been getting assistance from the homeowner assistance fund since XX/XX/XXXX. I had a forebarence that ended XX/XX/XXXX. The assistance has been sending XXXX XXXX  monthly since XX/XX/XXXX. My mortgage went up on XX/XX/XXXX. 

Here is my issue : The mortgage went up around {$500.00}. I cant get them to take all the money thats been sent to cover the payments. They keep using the assistance as coverage for fees, escrow deposits, and or additional principal. 

I want all the money sent in from the homeowners assistance fund taken to cover XXXX, XXXX, and XXXX payments. There is enough to cover all 3 payments. I want my credit bureau reporting updated to paid on time. I also dont want to go through this anymore. Starting in XXXX I will have to send the additional to the {$1100.00} for the mortgage increase. I hope they can add my payment to the assistance without me calling every month. 

I have called many times for this and even sent them an email on XX/XX/XXXX to which I never got a reply.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account Name : XXXX XXXX XXXX XXXX Account # XXXX, Account Name : U.S. DEPARTMENT OF EDUCATION Account # XXXX, Account Name : U.S. DEPARTMENT OF EDUCATION Account # 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

In accordance with the Fair Credit Reporting act, XXXX  Accounts # XXXX XXXX XXXX XXXX, account # XXXX XXXX XXXX XXXX, account # XXXXXXXX XXXX XXXXXXXX XXXX XXXX, account # XXXX XXXX XXXX XXXX, and account # XXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States i have the rights 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 USC 1692 b. Acquisition of location. Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer- ( 2 ) not state that such consumer owes any debt ; 15 USC 1692 d - Harassment or abuse ( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. ( The nonstop calls and letters threating litigation and incarceration, has caused me mental anguish, stress and XXXX  in which i now take medication for. )
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an alert today from Experian telling me that my scores dropped by over 60 points! When I looked into this issue there appeared a collection from a company I never heard of called XXXX. Once I was able to find out who XXXX was I realized that they were collecting for XXXX XXXX. I personally have never had an account with XXXX XXXX so I have no idea why they are on my credit report. And the bill is only for {$52.00}!!! I am contacting XXXX and XXXX XXXX right now to demand that they remove this from my credit immediately. I am trying to buy a new home and a car within the next few weeks. Obviously 60 points is a big deal to me right now!
Product: Debt collection

On XX/XX/XXXX, I received a fraudulent charge to my credit card for {$150.00} from XXXX. I disputed this charge with XXXX  XXXX XXXX and they decided in my favor. From XX/XX/XXXX until XX/XX/XXXX I did not receive any correspondence from XXXX  XXXX XXXX or XXXX. On XX/XX/XXXX I received a letter from Transworld Systems ( a collection agency ), alleging that I had a balance of {$4900.00} due with XXXX   that they had passed on to me. Again, I had not received any prior correspondence from XXXX   that I had outstanding bills due. After calling XXXX, I learned that my online account had been illegally accessed, and the criminals had gained access to my saved credit cards and were able to use that info along with my saved billing address to send out 4 invoices totaling {$4200.00}. They also changed the email address to their email ( which I have a picture of ), and changed my password.I have full PDFs of all of the fraudulent shipment invoices, many originating in New York state and Washington State, and all shipping to XXXX. XXXX 's Fraud division closes cases after 90 days and thus they were not able to help me, so I have filed a police report and am filing this CFPB report in hopes that it can be resolved. I am hoping that I can provide proof to XXXX  that the charges were fraudulent so that they can let the collections agency know that they were fraudulent and drop the collections. Transworld can not do anything about my charges unless XXXX gives them approval, and XXXX claims they can not help me since it has been longer than 90 days since the charges were made. This leaves me in a difficult position.
Product: Credit reporting or other personal consumer reports

My name Is XXXX XXXX my identity was stolen from me. Someone opened fraudulent accounts in my name also forge my signature. As you can see in the files below there is proof of identity being stolen and a forge signature of my name. I am asking that you guys investigate this whole complaint. I've contacted the owner of each creditor they refused to remove the collections from my report. I explained to them the accounts was fraudulent. Please help me get these fraudulent accounts removed immediately.
Product: Mortgage

On XXXX/XXXX/2012 Bank of America charged me {$750.00} for debris removal. Bank of America never removed any debris. After contacting Bank of America, I was told I was going to be credited the {$750.00} since it was a false charge added to my mortgage. Bank of America has still not yet credited the {$750.00}.
Product: Credit reporting or other personal consumer reports

To whom it may concern : I am asking you to review your data on file for me and to ensure that it is accurate and complies with the Fair Credit Reporting Act ( FCRA ) and METRO 2 compliance standards. I challenge any inaccuracies or deficiencies in the reporting, and I require the permanent removal of any inaccuracies immediately. I also demand that you investigate the source of each account and ensure that each creditor has a permissible purpose for all inquiries within my credit profile.
Product: Debt collection

cedar business services trying to collect debt on behalf of XXXX  online home furnishing and they have put it on my credit report with XXXX and XXXX  I have never opened any credit account or bought anything from them on XXXX
Product: Credit reporting

The basis purpose of ones name is to identify XXXX person from another, except with credit reporting agencies, which have regardless of the rules seemingly believe that the rules do n't apply to them. All credit reporting agencies have programs and system they sell to verify name social security number matches but fail to utilize them because they ca n't get consumers to pay for them. Experian for XXXX years have stated they verified items on my credit report, but factually lied because they could n't have because the items did n't bare my name. If any item does n't bare the basis of the correct name then it could n't be verified.
Product: Debt collection

I had an online and Phone Quote from some Agent who worked for XXXX They Gave a quote where I had to pay XXXX $ for just one single month for my automobile insurance. I agreed and paid the payments for XXXX $ for XXXX months from XXXX to XXXX. The company called me back and Cancelled my car Insurance after the XXXX month Period and said I had to pay them additional {$710.00} as my insurance quote increased. I never agreed for this higher quote and they reported this record as collections. This is a strategy used XXXX to rip off the customers. I had some speeding violation with no XXXX ever in my record. I never agreed for a quote where i had to pay more than XXXX $ a month. I agreed for XXXX and paid the months I had insurance with them. Now they have reported me to credit collections and it is impacting my score and APR 's very badly.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I HAVE BEEN A VICTIM OF IDENTITY THEFT FOR THE LAST XXXX  YEARS, THE SAME PERSON IS LIVING HER LIFE USING MY IDENTITY, I HAVE BEEN TRYING TO GET THIS STRAIGHTEN OUT SINCE I BECAME AWARE OF THE SITUATION. IT IS TO THE POINT WHERE I CAN NOT USE MY OWN IDENTITY, I REQUESTED REPORTS AND UPDATES OF MY OWN PERSONAL INFORMATION BUT I CANT PASS THE IDENTITY VERIFICATION ON MY IDENTITY BECAUSE THE ACCOUNTS ARE SO MIXED UP. I HAVE SENT IN MY ID AND SSN CARD AND UTILITY BILL TO VERIFY ME AND STILL NO HELP. I HAVE BEEN DOING THIS SINCE XXXX. INCLUDED IS MY ID, XXXX AND A UTLITITY BILL AS WELL AS AN OLD CREDIT REPORT AND ALL INFORMATION THAT I HAVE ON THE PERSON PLEASE HELP I DO NOT KNOW THIS PERSON OR I DID NOT AUTHORIZE THIS PERSON TO USE MY IDENTITY
Product: Debt collection

This is a medical debt, nearly 5 years old, by a local XXXX XXXX, for interpretation of an XXXX. Their charge in 2015 was {$390.00}, but because the XXXX XXXX had a contract with my health insurance carrier, that charge was reduced to {$220.00} which was my responsibility. The XXXX  XXXX XXXX A/R was purchased by XXXX who turned this over to MBA Law Collections Agency. I was unaware this debt was outstanding until my credit report monitoring service notified me of a negative posting by MBA Law and only subsequently did I receive a demand letter from them for {$390.00}. My complaint is with MBA Law : 1 ) MBA Law posted their collections action to XXXX  & XXXX  consumer credit reporting agencies before notifying me of their claim and giving me an opportunity to rectify it. 
2 ) MBA Law wants payment of {$390.00} but they are only entitled to payment for the original debt owed by the account Guarantor, which is {$220.00} due to the XXXX XXXX XXXX  contract with my carrier in 2015, XXXX. 
3 ) Despite an offer in writing to MBA Law to cover the full {$220.00}, I have not heard from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for mortgage for house. When my credit report was pulled, my score was showing very low because someone else information was there on my credit file who has accounts in collection. I filed dispute and get response that issue will be resolved in 1-5 business days. Its 10 day today and issue is still there. I had payed {$20000.00} already as a deposit. I have loosed this amount because of Equifax XXXX. Because they were not able to fix it. Every time i call them they have a different reply. Even they don't have any physical office where i can visit .how come they have not aware that there are 2 person on one credit file. How they can be so stupid.
Product: Money transfer, virtual currency, or money service

I have an Ally Invest account. This account was hacked at some point. On XXXX XXXX, 2019, the hacker sold my stock shares and then transferred money to an Ally Bank account in my name. This bank account was opened by the hacker but the owner is in my name. The hacker ( named XXXX XXXX ) was trying to transfer money from there to himself. ( This hacker also attached my other accounts at XXXX XXXX, XXXX XXXX, XXXX, but all those frauds have been settled quickly. ) I found this hacking activity on XXXX XXXX, 2019 and informed Ally Invest the same day and got back control my account briefly and then the account was locked up by Ally Invest. Since XXXX XXXX, 2019, I do not have access to my account. 

On XXXX XXXX, 2019, an Ally bank agent phoned me and told me the bank account would be closed because it was opened illegally and the money ( total {$6100.00} ) would be sent to me by an official check. So far I have not received anything. I urgently need my money back. But the lady handling this case keeps playing tricks with me, first said on XXXX XXXX, 2019 that she was verifying the official check with XXXX XXXX XXXX, and on XXXX XXXX, 2019 said the check was sent to my address. But so far ( up to XXXX XXXX, 2019 ), I have not received anything. 

This poor customer service of Ally Bank is totally unacceptable.
Product: Payday loan, title loan, personal loan, or advance loan

I was granted a loan of XXXX on XX/XX/2023. I made a payment of XXXX on XX/XX/XXXX, then payments of XXXX on XX/XX/XXXX and XXXX. Today, I paid off the balance, and was horrified to discover that the total amount owed was almost XXXX! I don't know the exact amount, XXXX something. I believed that if I paid it off early, I would only owe the principal amount, but this was XXXX more than that. This company got rude with me when I was initially getting the loan and acted like I wasn't understanding the repayment amounts when I questioned them about how excessively high they sounded. I also was told there was no penalty for paying it off early. This is absolutely terrible and I don't know what to do.
Product: Credit reporting or other personal consumer reports

Applied for consumer load with NFCU ( Navy Federal ) on XX/XX/. Over the course of 4 days, NFCU did 7 separate hard pulls on my report from XXXX yet they insist they could not access my file. I was even told by one rep that they didn't do a " hard pull ''. I can see the injuries and have asked that they be removed. NFCU says they can not remove them because they never accessed the account. XXXX says I have to dispute them with the lender. No one will accept responsibility.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, LA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This letter serves as a formal demand for immediate action to address your blatant violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., in handling my dispute regarding fraudulent information resulting from identity theft. Your failure to act is both unlawful and intolerable. 

Violations of Federal Law 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Despite receiving my comprehensive dispute, including the FTC Identity Theft Report and supporting documentation, your agency has flagrantly failed to conduct a reasonable investigation into the fraudulent accounts. Ignoring evidence is not an investigation. 
2.Failure to Provide Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) Under the FCRA, you are required to notify me of the results of your investigation within 30 days. To date, I have received no such communication. This complete disregard for transparency further underscores your negligence and lack of compliance with federal law. 
3.Failure to Block Fraudulent Information ( 15 U.S.C. 1681c-2 ) You are legally obligated to block fraudulent information upon receipt of an identity theft report. By failing to do so, you continue to willfully allow the publication of inaccurate, damaging information in violation of my rights. 

Legal Precedents Highlighting Your Liability Your actionsor lack thereofare not without consequence. Courts have repeatedly held credit reporting agencies accountable for similar misconduct : XXXX XXXX XXXX XXXX ( XXXX ) : Reinforced your obligation to conduct meaningful investigations beyond relying on furnishers data. 
XXXX XXXX XXXX, XXXX ( XXXX ) : Confirmed that credit bureaus may not shirk their duties by delegating investigations to furnishers. 
XXXX v. XXXX XXXX ( XXXX ) : Demonstrated the severe consequences of failing to comply with FCRA obligations, including class-action liability and significant damages. 

Demand for Immediate Action I demand the following actions, without delay : 1.Conduct a thorough and reasonable investigation into the disputed accounts and fraudulent transactions. 
2.Provide a comprehensive written explanation detailing your investigation process and results. 
3.Permanently remove or block all inaccurate information associated with my identity theft. 

Failure to address this matter within the FCRAs legally mandated timeline will leave me no choice but to escalate this issue. I will : File formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 
Seek damages through legal action, including but not limited to statutory damages, punitive damages, and recovery of attorneys fees, as permitted under 15 U.S.C. 1681n and 1681o. 

This letter is your final notice to rectify your violations. Your failure to comply will be viewed as willful non-compliance with federal law, and I will ensure that the consequences of your negligence are pursued to the fullest extent. 

Please remove, block or provide me with your investigation results in written form through the USPS for this account : XXXX XXXX XXXX XXXX
Product: Credit card

On XX/XX/year>, I received an email alert from XXXX notifying me of an inquiry on my credit report. I also received several emails from Capital One. The first email stated, " We have updated your Phone Number. '' The second email read, " You are approved for a XXXX Credit Card. '' The third email confirmed, " You've gone paperless. '' The fourth email informed me, " Your email address was updated. '' Since I did not apply for any card with Capital One, I called them. I could not access the account because I did not create it and thus had no username or password. Capital One requested a lot of personally identifiable information before providing any details about the account. They explained that they had acquired a bank, and the account was created with that bank. 

I asked for details about the fraudulently created account, and they requested that I fax copies of two government-issued IDs and additional documents before sharing the application with me. 

I am frustrated that they did not have proper checks in place before opening an account in my name. This credit card negatively impacted my credit score. I wasted more than half of my workday on the phone, worrying about the impact on my credit score. I was routed through multiple calls within Capital One, with each representative asking the same questions. I spent a significant amount of time on the phone with the credit bureaus as well. 

This has been extremely inconvenient for me, dealing with the consequences of someone else using my identity to create an account.
Product: Credit card or prepaid card

I've had this credit card for decades. While traveling overseas last year, Capital One froze my card to request copies of my driver 's license, utility bills, and other documents. I spent three weeks getting that sorted because the XXXX call center didn't understand that I only could supply a utility bill for my home address, not my mailing address. I didn't have use of the card until after I was home a month later. 

Since then, my account has been flagged with the same restriction in XXXX, and again now, both times requesting I submit the exact same documents. No one at the company will explain why this keeps happening and they keep expecting me to upload these same documents via a very insecure portal which does not encrypt the data in transit. 

I don't want to cancel this card because it is my oldest and that will negatively impact my credit rating, but the card has basically been rendered unusable, and the company will not provide any explanation for this poor treatment of a long-standing customer. I work in XXXX XXXX, and there is ABSOLUTELY no reason for this nonsense. This is the opposite of good security ; Capital One is forcing consumers to repeatedly send very personal data and has already shown through data breaches that they are incapable of protecting my information.
Product: Checking or savings account

I was told by Citibank that my account will be closed soon on XXXX XXXX after that, I called the Citibank for over a month, endless phone calls but they never tell me why and when will I get my money back. I even hired a lawyer to call with me together, but that person just hang up. Citibank should have the record for all my phone calls, they can see how many times that I have called and all those conversations. and I'm also getting mixed information from Citibank, some of them tell me I need go to the actually branch and call again, some of them tell me just wait. anyway didn't give me any actual information at all, in the past over a month. and I still don't know when will I get my fund back.