23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I checked my credit report.The reports shows debt of $ XXXX.To XXXX XXXX.contact Erc collectionsXXXX.I call.onXX/XX/XXXX.Noone can find acct.I say not mine.XXXX ( agent ) says email state Id & ss card to ERCBPO.COM.XX/XX/XXXX XXXX XXXX/o pres.replies : acct.temp closed while we investigate.I gave my address, phone, ssn to XXXX.Address for bill is XXXX XXXX XXXX XXXX.XXXX  tx.I never lived there.Ive been in contact with XXXX XXXX, Executive Director XXXX.His asst.Mr.XXXX could not find an acct for me at that address XXXX XXXX XXXX XXXX.He 's mailing me proof & fraud alert.Now XXXX wants me to fill out a " fraud packet '' of notarized paperwork & proof of addresses where I lived at. The bill XXXX & ERC says I owe was XX/XX/XXXX-XX/XX/XXXX.I say I have Ok.State ID since XX/XX/XXXXand voter ID.XXXX.No, they say they want bank statements with addresses & my recent photo id.I gave collection agencyrecent photo id & SSN card.by email.Im feel uncomfortable sending bank statements.I made Identity fraud alerts with the credit reporting agencies.I filed a identity theft report.When Ms XXXX  put temp stop on collections I don't owe, it came off my report somehow.but lady at XXXX Fraud dept says if I don't do all that is in XXXX Fraud Packet and get it notarized it will be back on report.I gave my id already.Im XXXX.Im walking up and down hills a mile to the library for a debt I don't owe.
Product: Checking or savings account

On XX/XX/18 Capital One 360 allowed an online unauthorized debit card payment to XXXX in the amount of {$2400.00}, overdrafting a checking account that was not opted in for any overdraft agreement between myself and CapitalOne360. I disputed the item as fraudulent and was given the disputed amount back on XX/XX/18. On XX/XX/18 CapitalOne360 reversed the credit again unlawfully overdrawing the checking account to {$2400.00}. On XX/XX/18 I disputed the unauthorized amount again as fraudulent and was told I may or may not be allowed to dispute a second time. I inquired about my having never opted in to overdrafts on the account in the first place and the representative would not appropriately answer my questions and only preferred to confuse the situation by not looking back to the original overdraft date of XX/XX/18. This overdraft was not only fraudulent but was unlawfully taken on an account not secured by overdraft protection agreement and also surpassed the daily threshold amount on ACH payments regarding online debit payments for a simple checking account without any regard for contract or statutory legal limitations.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information or items which do not belong to me. 
Please investigate these fraudulent items : 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 .... Balance : {$11000.00} XXXX XXXX XXXX XXXX Balance : {$11000.00} 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

We got a loan for solar panels in 2016. The company that installed them subsequently was purchased by tesla inc . They filed XXXX separate liens against our property for XXXX piece of equipment. They are refusing to terminate the earlier liens and this is preventing us from accessing refinancing on our home because the title company just sees XXXX liens on our property. We have spent days trying to sort this out with them and they want us to pay them {$150.00} per lien to correct their filing mistake.
Product: Checking or savings account

This complaint is attached to your previous complaint # XXXX already closed for some reason. 

A fake check with an unauthorized signature was paid by truist bank on XX/XX/XXXX for the amount of {$8700.00} to an unknown party from my business account. Also the fake check is missing a digit of the account number in the bottom of the check. A claim has been issued with truist bank and was denied saying that had to be within 30 days from the transaction. This check has a totally different signature from the authorized one and even missing 1 digit in the account number on the paid check. 

after the complaint above was failed trust bank refunded the amount of {$5100.00} on XX/XX/XXXX ( attached bank statement and highlighted transaction ) but not the correct amount of {$8700.00}. Truist bank still owe me {$3500.00}. 

The last phone call made to trust bank on XX/XX/XXXX did not work out again the claim specialist says they can not do anything about this and the initial claim was denied. I opened a new complaint with truist bank again ( truist bank complaint # XXXX ). 

This company paid a fake check from my funds without authorization and now saying I have 30 days from the check paid to recover my money. We save money in banks to be safe and not be part of a fraud.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach, and as a result, fraudulent accounts and inquiries have appeared on my credit report. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that the following fraudulent accounts and inquiries be blocked and deleted from my credit report : Fraudulent Accounts to Be Blocked and Deleted : XXXX XXXX XXXX XX/XX/XXXX {$2200.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$640.00} XXXX  XXXX XX/XX/XXXX {$2900.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$600.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$1700.00} XXXX XXXX XX/XX/XXXX {$1700.00} Fraudulent Inquiry to Be Blocked and Deleted : XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX called Portfolio Recover Associate to pay {$950.00}. I asked representative if they can send me copy of a report specify where these charges come from late fees Service charge and the representative Informed me its been a very long time for this account to be opened like this and I shouldnt be asking any type of questions I should just be paying for this and they were going to be taking me to court and that they were going to send somebody to arrest me and garnishing my Social Security benefits. 
This account is duplicate on the credit report. 
Representative said it doesnt matter you have to pay that for taking too long. 

For Portfolio The same situation they also said that they would be taking me to court.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payment on this XXXX XXXXXXXX XXXX for months. XXXX and XXXX have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Product: Credit card or prepaid card

I have had the XXXX XXXX credit card for several years. They recently switched the credit cards bank from XXXX to Barclays. Before the switch, they told us to get any payments into XXXX by XX/XX/XXXX. I submitted my XXXX payment electronically to XXXX for {$630.00} on XX/XX/XXXX through my XXXX XXXXXXXX XXXX checking account, which officially processed on XX/XX/XXXX. When I received the next statement under Barclays, it marked my account as past due and showed two line items related to my payment. One item showed the payment processed ( " PAYMENT THANK YOU XXXX '' ) for {$630.00} on XX/XX/XXXX but it did not post until XX/XX/XXXX. Directly above that item is a strange item with the description, " / % A @ '', with the same dates, which negates the payment of {$630.00}. my XXXX  XXXX XXXX statements for XXXX and XXXX ( attached ) show that I did not receive the {$630.00} credited back to my checking account. The money seems to have just disappeared in the Barclays system. I called them on two occasions and the best they could do was credit back the late fee and open a case ( # XXXX ), which would take XXXX months to investigate. None of the customer service representatives had any idea what to do. I found a forum in XXXX with a few other XXXX XXXX credit card customers who are going through the same thing. There is something seriously wrong with how this transition was processed. Barclays needs to formally recognize my payment.
Product: Debt collection

Asset Acceptance hired attorney XXXX who filed judgment against me XX/XX/XXXX on a debt that is not mine. They just recently levied my XXXX XXXX XXXX account in ths amount of {$860.00} I contacted Attorneys office and they advised me to file police report of id theft and that this alleged debt is not mine. I filed police report along with FTC complaint and submitted all documentation to attorneys office by certified mail USPS tracking # XXXX XX/XX/XXXX They advised me they would speak to there client and get clarification of the debt. I have called there office every week and they claim that it is still being investigated and that there client has not responded to them with definite answer on validation of this debt. I have asked for my money back from bank levy and to this day they have no answer for me or cant even tell me where this debt came from. Please get me my money back this is not my debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have explained that these inquries are a result of identity theft and should be deleted from my credit report. I have attached the requested documents to have this information removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trying to get a mortgage for a house and they're unable to pull my credit report from Equifax. I tried to pull my credit report with Equifax from XXXX  and also was not able to pull my own credit report. I've called countless times, faxed in information they asked me to. Still over 30 days later still not fixed. I need this to be able to purchase my house in the near future and if I don't get this resolved I won't be able to get my house.
Product: Debt collection

XXXX XXXX keeps calling leaving messages about a FCC law suit for his client doesnt give the clients name or a file number, calling my phone several times a day. Today he called my job and when they told him I couldnt get personal calls he told the lady that answered the phone that it was an emergency that something had happened to my son.
Product: Vehicle loan or lease

Santander Consumer USA Retail installment Agreement Contract form XXXXXXXX  -Predicted to have high likelihood defaults. 
-Exposed consumers to unnecessarily high level risk through high loan to value ratios, significant backend fees and high payment to income ratios. 
-deceptive servicing practices and actively misled consumers about their rights and risk of partial payments and loan extensions.
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX. My caregiver for the past 19 months stole my identity and made purchases that I did not authorize at all. I did a police report and yet all XXXX credit bureaus are reporting this information as mines.
Product: Debt collection

I have no knowledge of this company or alleged debt. I have disputed this debt with the credit bureaus and it came back verified I have since then contacted the company and haven't received a response. I don't not have a contract with this company and Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. You are illegally attempting to collect alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.
Product: Debt collection

On XX/XX/2020 someone stole my idenity ( via a stolen cell phone, that had been stolen earlier in the year ) and used to fraudulently steal considerable amounts of money from my online accounts, and make several unsuccessful theft attempts ( including on my XXXX  and XXXX account. ) Specifically Paypal allowed the criminal responsible to make several fraudulent transactions totalling {$1600.00} on my account. I reported this to Paypal on the XXXX XXXX when I discovered the fraud, as well as to my bank ( who were able to prevent the fraudulent ). 

Since then I have repeatedly told Paypal that I am not responsible for this fraud ( and sent them the associated police reports, attached ), but they continue to attempt to collect the fraudulent amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX, XXXX and Transunion about a home loan that is reporting 30 days late on my report. I have sent in proof that the home sold in XX/XX/2017 which is the month XXXX is reporting it to be late. I have been going through this for well over a yr now. I spoke with them on today and I was told that XXXX stated that the information is true even though I submitted proof when the home sold and I was told anyone can create a document on their computer and they are not going to remove it. I was told that they are certified to tell the truth and I am not therefore they must believe what the company say.
Product: Credit reporting or other personal consumer reports

I received an emailed about my information being in the XXXX data hack so I pulled my Experian credit report and found there were multiple accounts that are inaccurate and should not be on my credit report. I understand mistakes happen but this needs to be fixed expeditiously because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. Under 15 U.S. Code 1681e ( 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. I know that under 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if 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 ( i ) 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. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : XXXX XXXX XXXX XXXXXXXX I have attached a copy of my ID for identity verification and a bill for address verification. 

Please remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

More than 365 days and ongoing, I have submitted legal documents to have my name changed on my PennyMac mortgage loan. I have mailed, faxed, and scanned via their secure portal my judge signed name change, copy of my state license reflecting the name, and a copy of my homeowners 's insurance showing that my name was legally changed in XX/XX/XXXX. In addition, I recently received a modification in XXXX where the documents I had notarized where in the last name XXXX, therefore, my problem is with settlement documentation. This request is important to ensure I am able to stay aware of my credit report for incorrect data and avoid fraud at all cost. I have been a victim several years ago of fraud and would like to avoid any and all opportunities for it to occur again. I am extremely confused because the receive and pay the policy which is submitted by XXXX under the last name XXXX. I would really like your assistance with having my information corrected. In addition, this service provider has sent correspondence to my address for their other customers. This is very scary for someone that should protect your information.
Product: Debt collection

Original creditor : XXXX XXXX XXXX : XXXX XXXX I had a XXXX account in XX/XX/XXXXwith a credit limit of {$200.00}. The account was used to buy one item, then paid in full and closed by XXXX ( due to extended inactivity ). There is no balance or debt owed whatsoever. 

In XX/XX/XXXX, I ran my credit and found out that XXXX has reported my account as paid and closed. This is all reported correctly on my credit report. 

At the same time ( XX/XX/XXXX ) I also found that XXXX has reported the same account as owing {$580.00}. My original credit limit was only {$200.00} and already reported as paid in full and closed. I, in NO way owe XXXX ANY money, let alone a random amount of {$580.00}. 

I called XXXX 3 times ( XX/XX/XXXX ) and was told every time I called that they will not provide anything to me regarding the collection debt, where it came from, what it is for etc. The also verified that the account I did have is paid in full and closed. They said I had to contact the collection agency ( XXXX XXXX ) to obtain proof of debt. I have called XXXX XXXX, at the same time I contacted XXXX ( XXXX XXXX XXXX XXXX ) and was told that they will not provide anything in writing to me regarding proof of debt. They did however say if I paid the debt in full, or settled the debt with them, they would send a letter saying the debt was satisfied. 

I can not get any assistance in this matter. Neither company will send me proof of any debt they reported I owe, nor will they acknowledge the fact that the same account is claimed twice on my credit report ( One reported as paid/closed and the other is closed/owe {$580.00} ). I want this taken off my report and/or proof of debt sent to me detailing what/where/how this balance is {$580.00}. I also need full account numbers as I have proof of paid in full account.
Product: Credit card

Hello and good day to you! 

I'm having issue with American Express, They closed my personal and business accounts due to payment return was made. I was NOT notify about my payment being the issue, I was only notifed today telling me all my accounts are closed and nothing can be down. 

Mind you the account that had the payment return issue is a 0 % APR card for about 8 months. Prior to that I made a payment before so the minium for the account wasnt required no more to keep it open. 

And they just close my account just because the account used to pay, didnt have funds which I transfer funds from American Express to pay the amount and they said that no transfers were made either. 

And prior to this I called them a few days before this occured due to the 'return payment fee '' I saw on an account and i even asked about but werent specific to tell what is came from, and they never mentioned me about this manner. 

I have the funds to pay it back, but them just closing my account without any notification to have me fix the payment issue seems unfair. I always had on time payments with them for 2 years for my personal and business account. I do business with this bank.
Product: Credit reporting or other personal consumer reports

I have previously disputed the bankruptcy with TransUnion Credit Bureau which its in a ( Public Record Ref No : XXXX ) They stated they can get information from other entities and they dont need to remove it which I stated I have contacted the court, and it is clear they do not report to you or any credit bureau for that matter : Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 16811 ), and the information must be deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last year I discovered a false account with XXXX XXXX and XXXX XXXX reporting on my file because of identity theft. I contacted the credit bureaus about it and they told me to file a dispute and a identity theft report with the Federal Trade commission. I submitted the dispute a the report but XXXX XXXX and XXXX XXXX denied the claim. This is not my debt. I have been cooperative with everything asked of me to dispute but both have refuses to stop reporting. Please investigate and help me resolve this issue. There is no way XXXX willing to pay a debt that is not mine.
Product: Debt collection

Dear Credit Systems Int Inc, What happen to my debt validation regarding the account listed below? 

XXXX XXXXXXXX XXXX XXXXXXXX I sent you a debt validation letter 30 days ago asking for your company to provide me with proof that I own this debt, and your company has failed to respond. I then looked at my credit report and noticed that you are still reporting this inaccurate account on my credit report without validating it. They law is clear on this issue ; you cant continue report a disputed debt if you failed to validate. Because of your actions, you have violated the FDCPA act which carries a fine of {$1000.00} for every incident, and FCRA for reporting inaccurate information on my credit. This violation also carries a fine of {$1000.00}. 
In addition, Im asking your company to cease all communication with me via phone and mail except for advising me that you will be deleting the above account from my credit report. Here is what you must do within 10 days or I will be talking with an attorney to force my rights under the FDCPA and the FCRA. 
Instructions : ( 1 ). Deleted the above account from my credit report within 10 days from today. 
( 2 ). Cease all communication with my by phone and by mail. 
( 3 ). Stop all collection activity on this account as I consider this matter closed. 
( 4 ). Send me a check for {$1000.00} for violation of the FDCRA. 
If none above items are met, I will escalate this matter.