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

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, CA XXXX XX/XX/XXXX COLLECTION AGENCY : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, VA XXXX Subject : Identity Theft and Unauthorized Account - Request for Investigation and Resolution Dear Sir/Madam, I am writing to dispute an alleged debt that has been reported to your collection agency and to inform you that I am a victim of identity theft. I recently discovered the presence of this account on my credit report, and I am confident that it is a result of fraudulent activity. I request your immediate attention and cooperation in resolving this matter. 

Account Information : Creditor Name : XXXX XXXX Account Number : XXXX Date of First Delinquency : XX/XX/XXXX Amount Owed : {$1000.00} I have attached supporting documents that demonstrate my innocence and substantiate my claim of identity theft. These include : XXXX. A copy of my official identification ( e.g., driver 's license, passport ) to establish my identity. 

XXXX. Copies of my credit reports from XXXX, XXXX, and EQUIFAX, clearly indicating the unauthorized account and highlighting the fraudulent activity. 

XXXX. Any additional evidence or supporting documentation that supports my claim of identity theft ( e.g., police reports, letters from other financial institutions acknowledging the fraudulent activity ). 

I understand that it is crucial to take immediate action to protect my rights and resolve this matter. Therefore, I kindly request that you take the following steps : XXXX. Initiate an immediate investigation into the reported account and provide me with a detailed response within 30 days, as per the Fair Credit Reporting Act ( FCRA ). 

XXXX. Cease all collection activities related to this account until the investigation is complete. Any negative reporting to credit bureaus should be suspended as well. 

XXXX. Provide me with written acknowledgment of my dispute and confirmation that you have received the attached documentation. 

XXXX. Share all relevant information about the alleged debt, including the original creditor 's contact information and any supporting documentation you possess. 

I must emphasize that I am not responsible for this debt, and it is vital that you rectify this situation promptly. I expect your full cooperation in investigating this matter thoroughly and providing a resolution that clears my name from any association with this fraudulent account. 

Please note that failure to comply with my request or the continuation of collection activities on this account may result in legal action being taken against your collection agency. 

I can be reached at ( XXXX ) XXXX or XXXX should you require any additional information or documentation. I expect your prompt attention and resolution of this matter. Thank you for your understanding and cooperation. 

Sincerely, XXXX XXXX XXXX XXXX DOCUMENTS BELOW : DL ( PROOF OF IDENTITY AND ADDRESS ) SNN ( PROOF OF IDENTITY ) POLICE REPORT ( PROOF OF REPORTED IDENTITY THEFT ) BANK STATEMENT ( PROOF OF ADDRESS ) PHONE BILL ( PROOF OF ADDRESS ) CREDIT REPORTS ( FROM ALL 3 BUREAUS )
Product: Mortgage

I am seeking to have the PMI on my home removed, and after consulting a local real estate professional about the value of my home, I paid NationStar Mortgage {$450.00} fee to have my home appraised. The company took the fee and ordered an appraiser that lives XXXX miles away to perform the appraisal on my property. His opinion of value was $ XXXX $ XXXX less than the range given to me by one of the most successful real estate professionals in my city. I believe that the appraiser lacked sufficient geographic competence to perform the appraisal, and submitted a dispute to NationStar outlining this. I submitted that dispute on XXXX XXXX. I have received no resolution. None. I have spoken to multiple call center reps, including XXXX XXXX and XXXX XXXX. I have asked for their manager, XXXX XXXX, to contact me on numerous occasions, and have never received a call. I have contacted them at least 6-7 times and they are either incapable or unwilling to provide me with any answers. I have a perfect payment history with NationStar and all of the companies that owned this mortgage before them. I believe this behavior is unacceptable. I think they ordered an appraiser that was more likely to produce a report favorable to the mortgage company than to the homeowner. I believe this to be deceptive and unfair. I have contacted them on numerous occasions and given them every opportunity to respond in ANY fashion to my dispute and the follow up inquiries. They have not done so. I believe that they have an obligation to respond to formal written disputes that they have not held up.
Product: Debt collection

XX/XX/2020, {$1900.00} owed in collection to thunderbird collections. Is a hospital bill, Im a XXXX XXXX XXXX and had an XXXX. Hospital bills should not be taken advantage of on my credit report. This is effecting me from getting a vehicle for my children, wife and i to get places.
Product: Money transfer, virtual currency, or money service

My Robinhood account was placed on restricted approximately 2 weeks ago. I used the app/site support to request a call/virtual chat. I never received a call or chat and now can not email or talk to the company. I sent forth the requested information to unrestricted my account and still have heard nothing. I use this account to pay bills and now do not have access to it or the funds because the company simply will not respond.
Product: Checking or savings account

I have a 401k loan with Bank of America. I called and spoke with a customer service agent from Merrill lunch about my 401k payments and had mentioned to the agent that with my payments coming out from my part time job I would have missed payments since I dnt work that many hours but I could link my payments to be deducted from my bank account for there to be a none issue. The agent let me know that was not an option. I had asked the agent if missed payments would effect my loan or if I would lose my loan or if interest would change or if it would effect taxes. She stated no they would send a statement asking for payment but I will not lose my loan or be penalized for my loan as long as I had paid the amount off by the agreed amount of time of 4 years. I then call a few months later and asked a customer service the same question and they stated missed payments would not effect my loan. Soon I notice on my pay checks that had the funds to collect for my 401k payment where not being deducted. I called and asked merrill lynch what was going on and they said my loan was now seen as a withdrawal and Im required to pay the full amount of my loan off by the end of XXXX or I will be sent a 1099 as my loan as viewed as a withdrawal. I told them that I was not aware of this and I had been informed as long as my loan was paid off by the agreed time of 4 yrs I would not lose my loan or my loan would not be effected by taxes or interest change. I told them I would like to pay what I am behind as I was informed by a customer service rep of different information. They said there was nothing they could do and they would try to see what could be done and call me with in 24-72 business hrs. I never heard anything back. I understand that customer service representatives make mistakes, but when Im being sent a 1099 and am having to pay taxes on my 401 k that I have worked hard for and would like to keep and now and being required to pay a high tax rate for a withdrawal of a 401 k that was not my error. I asked questions to make sure I understood my loan. I was informed with wrong information and Im being held accountable for this. Im wanted to pay what Im behind and have my loan reactivated.
Product: Mortgage

SPS servicing is the most unscrupulous mortgage component I 've ever dealt with. The second time my mortgage was due to their company ( because my mortgage was sold to them after 10 years with XXXX XXXX XXXX who were great ) they charged me twice for an online mortgage payment transaction. I attempted to pay my mortgage online and their system kicked me off and told me to try again. So the next day I did, because I 'm responsible and pay my bills on time. Well turns out that my first attempt to pay was apparently processed but I did n't get confirmation of that! So when I paid again they charged me twice! Then when I call them to cancel one, they say they ca n't help me! So they fraudulently charged me twice! When the online payment is processed it clearly states that you will receive confirmation through an email that your payment was processed! Never got any confirmation for any payment whatsoever! So that 's why I paid out again the next day, because like I said I 'm a responsible person, and I like to play my bills timely! This company is the worst and commits fraud!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am interested in processing disputes on my credit report with Equifax to delete an remove all inaccurate information on my credit report. these errors have caused a major effect on my credit report. please review an remove the information listed to clean my file. this has been an on going situation that needs to be resolved asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. These accounts are unknown to me and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. XXXX XXXX XXXX XXXX XXXX  XXXX.
Product: Debt collection

After submitting in writing in XXXX 2015 to XXXX to cancel services, they continued to charge my XXXX Credit card. We attempted to contact XXXX directly to reverse the charges and they were of no help. I contacted XXXX and XXXX investigated and returned the charge as unauthorized. Months later collection notices started coming directly from XXXX. I logged into my XXXX account on XXXX, their online account management system. In there, I discovered that every month after they were continuing to try and charge the account for the unauthorized charges plus additional charges and fees. On XXXX XXXX, 2015, a charge for {$450.00} slipped through XXXX filter. XXXX deemed this charge as unauthorized, as it was partially the charge they had previously rejected as unauthorized. Along with notifying XXXX of the unauthorized charges for cancelled services, I notified XXXX on that day that they made an attempt to collect unauthorized charges and asked yet again for them to zero out the account from these charges and close the account. After contacting them this time, and XXXX returning the charge, XXXX did XXXX the account out ; however, when I checked a month later, on XXXX XXXX, 2015, they had posted new charges to my account in late XXXX and again in XXXX. I again contacted them by email through XXXX disclosing once again these were disputed and unauthorized charges as I had cancelled back in XXXX 2015. Fortunately, XXXX did not allow the charges to go through, but XXXX was persistent and began the demand letters again. When I received the first collection notice from them this time, I found that they had cleared any messaging history between us from their system and provided no transaction history as was there for me to view prior to this new notice. Since XXXX was not allowing me to actually get charged, I did n't worry about it until I went through my mail today and had a collection notice from First Credit Services , Inc., attempting to collect the debt for these unauthorized charges. It is not a matter of not being able to pay this debt, it is a matter of the fact that the debt is fraudulent, not authorized by me, and yet contacting XXXX multiple times trying to resolve the issue, I could never get them to stop. I have wasted so much time dealing with this, it is not even funny. I am in the process of building a new house, and I will be damned if I allow a predatory service like this ruin my excellent credit and cause me increased interest charges due to hurting my credit. Not only should XXXX and First Credit Services write off the debt, they should be paying me for my wasted time.
Product: Debt collection

I ordered a pair of sunglasses from XXXX which is a website/store out of XXXX. I paid for the glasses along with the shipping and fees at time of purchase ( shipping was {$0.00} which is stated on the order receipt that I attached below ). 

I now received a notice that I owe XXXX {$28.00} for Shipping ( now {$32.00} due to interest ). 

I believe that XXXX would owe this debt because as you can see on the attached document of my receipt, it says {$0.00} for shipping and there is a statement underneath the order that says if I am charged by customs for shipping that they will refund me 100 % ( that is implying that that should not happen but just in case it does ... ). Also, as you can see at the bottom of the email communication that i attached, I can not get a hold of them because the email gets rejected. 

As you can see in the attached, I have countless emails ( and lots of stress ) with this company because they sent me a NON-polarized sunglasses when I ordered a Polarized pair. They kept denying that I bought Polarized ones even though I sent them 'screenshots ' of my receipt that said " POLARIZED '' right in the description. I also sent them pics of their live website that reflected the same info. As you can see, they finally realize they were wrong and sent me Polarized lenses to replace in my frames. And now after all that stress I am left with this Shipping issue that is their responsibility because they would 've needed to tell me that I would owe {$28.00} and have to XXXX them for the refund. Their website should 've stated that I WILL get charged by customs and will need to get a refund ( but nothing works that way ).
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX : XX/XX/year> SS # To Whom It May Concern : I received a copy of my credit report, and I noticed some accounts on my consumer report that is inaccurate. 
This is my 3rd attempt at having you delete this inaccurate information. 
This agency is in violation of 15 USC 15 USC 1681i, in your repose to my dispute you claimed that these accounts XXXX XXXX XXXX Account Number XXXX XXXX Balance {$2600.00} XXXX XXXX Account Number XXXX XXXX Balance {$8400.00} XXXX Account Number XXXX XXXX  Reported Balance {$9200.00} XXXX XXXX Account Number XXXX XXXX Reported Balance {$16000.00} You have validated inaccurate information and these accounts are hereby disputed. 
The information on this account being furnished on my consumer report in fact inaccurate.

15 USC 1681i ( 5 ) TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION ( A ) In generalIf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

The reporting of these accounts are violations of 15 USC 1681e ( b ) ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

How can you verify inaccurate information? You have violated XXXX Compliance procedures and format for reporting! 
Delete thesw accounts from my consumer reports.
Product: Checking or savings account

On XX/XX/year> I opened a Foundation Checking account with Busey Bank with their BUSEY300 promotion. There were a few requirements for obtaining the {$300.00} bonus associated with the promotion. 

I opened the account and funded. I enrolled in online banking and estatements. I had direct deposit from XXXX on XX/XX/year>. I made XXXX transactions as required. 
I met the requirements. 

I waited a few months for the missing {$300.00} to be credited to my account. However, the promised bonus amount have still not been credited.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent 2 letters to Experian asking for the following accounts to be removed from my credit report. These companies : XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX ( which I believe was removed and then placed back on my report ) have not validated that the debt is indeed mine. I have not received any correspondence from them with my signature or identifying me as the person whom created the debt. With all of these data breaches I must be extra careful. Also, I asked for the public records to be removed from my credit report. The courts have said they do not report to the credit bureaus and I was under the impression credit reporting companies as of XXXX 2017 are no longer able to report info from a 3rd party vendor and there had to be certain stipulations. Like having my name, social, DOB, and address. I would greatly appreciate any help you could provide in resolving this issue. Thank you.
Product: Payday loan, title loan, or personal loan

the company refuse to tell me why there is a large pay off when the Loan matured on XX/XX/2023, they will not tell me way or show. or send paper work to way Now they say there going to sue me for a payment. Of XXXX. XXXX of which is not mine this is a Predator. I am XXXX livening on SS The want me to take a loan out to pay them. At a rate of XXXX present Please help sincerely XXXX XXXX
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX XXXX XXXX, am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ). 

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion. 

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors. 

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion. 

I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed on my credit report. 

Now based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. 

Enclosed are copies of documents supporting my claim for your review. 

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.
Product: Checking or savings account

I opened a new checking account on XX/XX/2024, with promo code XXXX, and was supposed to receive a {$250.00} bonus payout by XX/XX/XXXX after completing the qualifying activities. 

Please pay attention, I am not talking about promo XXXX, but rather XXXX which was applied to my account. I am attaching the offer terms for reference. 

Per offer terms : All bonuses will be paid to qualified customers no later than XX/XX/2024. 

However, despite completing all required activities & the date XX/XX/XXXX has passed, I don't see any bonus hitting my account. 

I tried contacting customer service via chat and phone but had no luck except for false promises or they were simply blank. 

This is a false advertisement and clearly shows the bank 's unwillingness to help their consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I talked to XXXX XXXX XXXX XXXX about a car loan that was on my Equifax credit report that I never had But my XXXX does ( auto loan ) so I wonder if it could be her
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint regarding my lease account with Ford Credit. In XX/XX/year>, I leased a vehicle that began experiencing mechanical issues due to a manufacturer defect. By XX/XX/year>, the defect had worsened to the point that I could no longer use the vehicle properly. As a result, I returned the car and submitted a written cancellation letter explaining that the defect had rendered the lease void. 



Despite this, Ford Credit has continued to keep my account open, sent the vehicle to auction, and reported the lease as active on my credit report. This is unfair and has caused financial harm by negatively impacting my credit standing. I made every effort to resolve this matter properly by returning the vehicle and providing formal notice, yet Ford Credit has not corrected the issue.

I am requesting the following : 1. Immediate correction of my account status to reflect the lease termination.

2. Removal of any negative reporting related to this account from all credit bureaus.

3. Confirmation in writing that my account has been properly closed with no remaining balance.

4. Compensation for any financial harm or inconvenience caused by this situation.

Please address this matter as soon as possible. If I do not receive a resolution within [ reasonable timeframe, e.g., 14 days ], I may need to escalate my complaint to the appropriate consumer protection agencies.

I appreciate your prompt attention to this matter and look forward to your response. You can reach me at [ your phone number ] or [ your email ] if you need any further information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not feel as though the credit bureaus are doing their due diligence because they are reporting incorrect information on my credit report. I have never been late with XXXX XXXX yet they are reporting a late payment of XXXX days for XXXX. They also report a difference balance than what my statement has for the month of XXXX. I am requesting that XXXX, EQUIFAX, AND XXXX immediately remove the late payment and update the account to paid as agreed, never late. Also update the correct balance for the account listed. I have attached proof of payment and proof of my statement listing the correct balance. The account is XXXXXXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX {$9300.00} ACCOUNT OPENED FRAUDULENTLY AT A RESIDENCE I NEVER LIVED AT BEFORE HAVE CONTACTED THE ORIGINAL CREDITOR ON SEVERAL OCCASIONS FOR INFORMATION ON SUBMITTING A FRAUD AFFIDAVIT VIA MAIL AND HAVE YET TO RECEIVE ANY DOCUMENTATION IN REGARDS TO RESOLVING THE CURRENT ISSUE OF UNAUTHORIZED CHARGES