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

The reason for my writing is to inform you that this company is being unreasonable and not adhering to the law. I am a victim of identity theft. My personal information was compromised and as a result fraudulent charges were included on my accounts without my consent or authorization. I disputed this identity fraud with this company on XX/XX/XXXX by providing my written explanation and attaching relevant documentation e.g. Identity Theft Report, Proof of identity and Section 605B of the Fair Credit Reporting Act to proof my case. But until now, as I am writing to you, this company is still reporting these fraudulent accounts contrary to law, which gives them at least 4 days to remove it upon receipt of fraud dispute letter. Let this be a final written notice of my intent to sue this company for failing to remove fraudulent items even after receiving a well-documented dispute coupled with exhibits for reference. For yet another time I am reaching out to this company to find a concrete resolution to this matter once and for all. Failure to this I will go ahead and file my already filled small claims forms with the courts. Please REMOVE this fraudulent information from my credit report, as per 605B of the Fair Credit Reporting Act : 1.XXXX  XXXX  ACC # XXXX, Opened Date XX/XX/XXXX, Original Creditor XXXX XXXX XXXX XXXX XXXX , High Balance {$1500.00}. 2. XXXX XXXX XXXX, ACC # XXXX, Original Creditor XXXX XXXX , Opened Date XX/XX/XXXX, Balance {$190.00}. I am attaching the dispute letter/documents I sent to this company on the XX/XX/XXXX and my FTC report, in case they need to reference or review.
Product: Credit reporting

I submitted a dispute because there was a fraudulent inquiry on my credit report. I spoke with the company XXXX XXXX and they cancelled the application. XXXX XXXX also sent out correspondence. I decided to dispute the inquiry however, Equifax is did not remove the inquiry stating " Inquiries are a factual record of file access ''. This violates FCRA. Equifax was suppose to contact the data furnisher to verify whether it was fraud. Obviously Equifax did not do anything because clearly Equifax feels all inquires are factual even if fraudulent. This is not the only time an inquiry was fraudulent and I received this dispute response. I have entered into litigation with Equifax before and I do not mind filing suite again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing this account for over a year and nothing has been resolved. 
PER 17 CFR 248.7 by law, XXXX  XXXX XXXX, XXXX and equifax were suppose to have sent me an opted out letter before putting any information on my consumer report, and they never did. Due to the privacy act of 1974 it is very illegal to obtain and share any of my information without notifying me first, Per this federal law 17 CFR 248.7 I am opting out of this company reporting information to my consumer report. I do not want my information in their system due to the privacy act of 1974. According to 15 USC 1681C-2 They have 4 days by law to remove thier information from my consumer report I have sent them an opted out letter at this point on both companies it is now willful noncompliance per federal law 15 USC 1681n .
Product: Credit card or prepaid card

The people that are run the Best Buy credit card refused to send me an item I statement they won't send me one via email and they refused to send me 1 through the know I have tried on 4 separate occasions to no success I have not been using my card but my balance keeps going up. And they refused to send me any documentation
Product: Debt collection

I have been double covered with insurance during that time through XXXX and XXXX under my parents legally. I think this should be looked at and removed.
Product: Debt collection

Debt Not Owed - No Response even after 30 days of Direct Dispute letter to XXXX XXXX. 

XX/XX/XXXX - Sent a " Direct Dispute '' letter via certified mail to Columbia Debt Recovery LLC dba Genesis. Highlighted that debt validation contains debt from XX/XX/XXXX whereas lease end date was XX/XX/XXXX. Provided following evidence documents. 

XXXX. Signed lease document showing lease ending on XX/XX/XXXX. 
XXXX. Bank statement showing all dues paid through XX/XX/XXXX. 

Direct Dispute letter with evidence sent XX/XX/XXXX. 

No response as of XX/XX/XXXX. 

Past 30 days as legally required. 

Requires immediate action.
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE REMOVE THE NEGATIVE ACCOUNT FOR XXXX  XXXX ( COLLECTIONS ), WHICH AFTER SEVERAL ATTEMPTS, I MANAGED TO GET THIS ACCOUNT REMOVED OFF OF XXXX. NOTHING HAS BEEN DONE BY THE OTHER AGENCIES IN REGARDS TO THIS MATTER. THIS ACCOUNT HAS BEEN REALLY AFFECTING MY GOALS AND STANDARDS.
Product: Student loan

In XXXX of XXXX, I was sent email notification of a private student loan serviced through American Education Services. Upon reviewing the information of debt, I proceeded to contact the service provider for this private student loan. At that time, I informed the service provider that I was diagnosed with XXXX XXXX in XXXX of XXXX and XXXX XXXX XXXXXXXX and am subsequently unable to pay the total amount requested. When I inquired about a payment plan, I was informed that the loan has been without payment for 2000 days. Due to illness and death of a parent, I did not know that this loan was seeking re-payment. 
American Education Services informed me on XX/XX/XXXX that their is no XXXX deferment or payment plan option for this student loan. Upon researching my options, I noted that a death discharge is the unfortunate but only means of not being taken to collections and jeopardizing my career, physical health ( as I am actively in XXXXXXXX XXXX  ) and financial stability. 
At presenXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  while XXXX XXXX and I simply can not afford to pay off this private student loan. I am concerned about the ramifications of not being able to pay the loan on the status of my medical license and my ability to meet basic care needs. 
I would appreciate any assistance with this matter as the stress is impacting my physical health and response to XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have unauthorized inquire from XXXX XXXX on XX/XX/2023 on my TransUnion credit report.
Product: Checking or savings account

My USA government and state checks have been signed with a computer and printer, then deposited in accounts in which I have no access. Chase Morgan Bank- XXXX XXXX XXXX XXXX XXXX Ohio , USA has been active in covering up an embezzlement scam since 2020. No cooperation with myself or federal agencies has taken place. 

XXXX XXXX and his manager of Chase Morgan Bank- XXXX XXXX XXXX XXXX XXXX Ohio XXXX USA seem to have changed bank accounts in response to complaints and federal investigations.
Product: Mortgage

Escrow account balance incorrect - '' Incorrect transfer occurred / Incorrect accounting NOT CORRECTED '' Timeline Record of Escrow Account based on Statements Received : XX/XX/2018 -Statement dated XX/XX/2018 Escrow account balance of {$4800.00} 1. XX/XX/2018 -Made monthly payment of {$1800.00} ( {$600.00} Escrow ) 2. XX/XX/2018 -Received Statement dated 7/3/2018 indicating : - Two town tax disbursements XX/XX/XXXX & XX/XX/XXXX - XX/XX/2018 -Disbursement-Town Tax of {$3000.00} - XX/XX/2018 -Disbursement-Town Tax of {$3000.00} - XX/XX/2018 Payment of {$1800.00} ( {$600.00} Escrow ) - Statement escrow balance shortage of - {$630.00} 3. XX/XX/2018 -Spent 1 hour on phone with " Mr. Cooper '' to discuss the mishandling of escrow funds by based on the double town tax disbursement and explained why the escrow balance should not be short - {$630.00}. Was told I'd receive a call back in three days after escrow account analysis was performed 4. XX/XX/2018 -No call received from " Mr. Cooper '' 5. XX/XX/2018 -Reviewed account online to observe escrow account balance of {$1400.00} and made monthly payment of {$1800.00} ( {$600.00} Escrow ) 6. XX/XX/2018 -Received Statement dated XX/XX/2018 indicating : - XX/XX/2018 - Insurance Disbursement of {$780.00} - XX/XX/2018 - Payment of {$1800.00} ( {$600.00} Escrow ) - Statement escrow balance shortage of XXXX 7. XX/XX/2018 - Calculated escrow account balance based on information provided : - Statement dated XX/XX/2018 Escrow account balance of {$4800.00} - XX/XX/2018 -Made payment of {$1800.00} ( {$600.00} Escrow ) - XX/XX/2018 -Disbursement-Town Tax of {$3000.00} - XX/XX/2018 - Insurance Disbursement of {$780.00} - XX/XX/2018 - Payment of {$1800.00} ( {$600.00} Escrow ) - Calculated escrow account balance of {$2200.00} based on above information, not a shortage of XXXX which is what appears on statement dated XX/XX/2018 8. XX/XX/2018- File complaint with Consumer Financial Protection Bureau to obtain full record of mortgage escrow account and cease mishandling of escrow account funds
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous dispute regarding unauthorized credit inquiries that appear on my credit report. According to my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ), I formally requested an investigation into the inquiries in question and demanded that they be removed from my report if they were found unauthorized or in error.

To date, the resolution provided by your office has been unsatisfactory and has failed to adequately address the issues raised in my initial dispute. I am therefore disputing the following unauthorized Disputed Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

This mortgage has been paid in full already ; the total amount has been taken from my trust. I have requested disclosures, proof of contracts and other important information that they refuse to provide to me. When I write them letters, they promise to send the information that I request but they never do. I've been very confused with this business relationship as I have exhausted my administrative remedy without this company being honest with me
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX : {$10000.00} XXXX XXXX XXXX Balance XXXX {$9800.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$2500.00} XXXX ( Original Creditor : XXXX  XXXX XXXX ) XXXX XXXX XXXX {$680.00} XXXX ( Original Creditor : XXXX  XXXX XXXX ) XXXX Balance XXXX {$1600.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$68.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX ( Original Creditor XXXX XXXX  XXXX XXXX ) XXXX Balance : {$680.00} XXXX XXXX Original Creditor : XXXX  XXXX XXXX ) XXXX Balance : {$1600.00} XXXX XXXX XXXX Original Creditor : XXXX  XXXX XXXX ) XXXX Balance : {$68.00} ( XXXX XXXX XXXX ) XXXX Balance : {$120.00} ( Original Creditor : ) XXXX Balance : {$77.00} ( Original Creditor : XXXX  ) XXXX Balance : {$130.00} XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$2500.00} XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX XXXX : {$680.00} XXXX ( Original Creditor : XXXX  XXXX XXXX ) XXXX XXXX XXXX {$1600.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  # XXXX Pursuant to the Fair Credit Billing Act, A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. This account is a billing error. 
This is not a refusal to pay but a notice that this alleged debt is disputed. I respectfully request your company provide me with documentary evidence validating this alleged debt. 
If no such evidence of indebtedness exists, and the only indebtedness is by agreement, you can not lawfully furnish this inaccurate negative information to the credit reporting agencies. 
The United States is bankrupt. If this alleged debt is valid, what authority do you have to collect this debt in the United States? 
If this alleged debt can not be validated and turns out to be an extension of credit, that would make the negative information provision in any agreement between us void and unenforceable. 
Does this account include a finance charge? If so, does the finance charge include a premium the protects the creditor in case of default? Has any insurance been filed on this account? If a 1099c or any insurance has been filed on this account, you have no right to continue furnishing this inaccurate information to coerce repayment of this extension of credit. The continued reporting of this inaccurate information would constitute a breach of fiduciary duty. 
Since there is no law under the Fair Credit Reporting Act requiring your financial institution to report negative information to a consumer reporting agency, your company is knowingly reporting inaccurate information to the consumer reporting agencies. Reporting information with reasonable cause to believe is inaccurate violates the Fair Credit Reporting Act. 
Your companys policy does not supersede federal law. I am demanding this charge off is UPDATED to PAID AS AGREED with a {$0.00} balance and a DELETION of all negative information be submitted to the credit reporting agencies immediately to prevent my consumer credit reputation from receiving further harm.
Product: Consumer Loan

XX/XX/XXXX had surgery and missed 1 year work I did file Chapter XXXX but forgot this account. They charged in off in XX/XX/XXXX I recently offered to pay off the charged off amount of {$890.00} but they stated you owe {$1100.00} total with interest. This is a rip off and XXXX the lady I talked to was XXXX and XXXX. Really do not understand how a company can continue to chage interst on a debt charged off.
Product: Bank account or service

The Bank of New York Mellon offers a Heath Savings Account. On their website they provide Electronic Funds Transfer to make deposits into the HSA account electronically from your bank or credit union. I made an EFT deposit into my HSA using the Bank of New York Mellon HSA website on XXXX XXXX, 2015. My personal bank account was debited on XXXX XXXX, 2015 for the amount. As of today, XXXX XXXX, 2015, my HSA Account at the Bank of New York Mellon does not reflect the EFT deposit despite the fact that they have had the funds for XXXX days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to Equifax, XXXX and XXXX on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over XXXX days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Product: Debt collection

Under penalties of perjury LIES and Fabrication of statements JPMorgan claims they have an original promissory note and mortgage signed by me to them which is a fabrication and false, lies. I never have signed any documents with them. 
For over 12 years they've called and harass me threaten me 2 and 3 times a day over 3000 phone calls. 
See : XXXX, XXXX. 
We suffer from XXXX XXXX now, XXXX XXXX XXXX, our grand kids are distinct now, this is all over the internet as delinquents. 
All I did was get a VISA credit disclosure from Washington Mutual which was terminated in XX/XX/2008 and never assigned to no one. 
Please HELP Help.We are retired and can't cope with this anymore PLEASE HELP ME ... 
They call my kids my grandkids my neighbors they come knocking on everyone 's home they harass us every day PLEASE HELP US STOP THEM we are old and retired and can not deal with this ...
Product: Credit reporting, credit repair services, or other personal consumer reports

There is unknown hard inquiry on my credit reports. Im requested the verification of the inquiry and the method of verification. MECHANICS BANK, Inquiry : XXXX XXXX, 2019. For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry.
Product: Payday loan, title loan, or personal loan

SOME ONE HAD RECENTLY USED MY SOCIAL SECURITY NUMBER TO TRY AND OPEN A ACCOUNT WITH HSBC BANK AND XXXX  XXXX XXXX BRANCH BANK WHICH IS FRAUD BECAUSE I KNEW NOTHING ABOUT IT OR DIDN'T GIVE THEM MY SOCIAL NUMBER THEY STOLE IT SO I JUST WANT TO SEE IF YOU CAN TELL ME IF MY SOCIAL WAS RECENTLY USED TO APPLY FOR ANY BANK ACCOUNTS OR CREDIT LINES OR IS IN ANY OF THESE 2 DATA BASE PLEASE?
Product: Debt collection

On XX/XX/XXXX, I received a phone call from the XXXX XXXX XXXX XXXX XXXX, I returned the phone call XX/XX/XXXX. After speaking with the lady on the phone XXXX, she explained that I owed {$2000.00} for my purchase of my XXXX XXXX XXXX. She said I defaulted on a check and If I don't pay it then she is putting in the " charge '' and she will be repossessing my car. The only lienholder on my contract, and on my registration is XXXX XXXX. I did not agree to pay any extra {$2000.00} to these people. On my legal 553 CA-ARB contract is shows I fulfilled my full down payment of {$4500.00}. I am being harassed and threatened by the company. Per any contractual law. I am only legally obligated to pay my lienholder which is XXXX XXXX and have made no further agreements to any other lender, or promised to pay any other amount of money to. I am including a copy of my contract.
Product: Debt collection

After leaving the hospital, a number of bills were sent to me. I sent many of them back to charge my insurance. In this case, XXXX never responded to me about my insurance. They finally sent me a single bill, which I began paying without realizing they still had n't answered. After setting up bank payments, I never got another statement, never received a balance, nor have I been able to reach anyone. After sending several payments and receiving no statement or method to determine what was paid by insurance, still owed, or had been received, I sent them a note indicating I needed a statement from them, at least. Nothing. Then, I pulled my credit in XXXX and saw that the debt had been referred to a collection agency. This agency has made zero effort to contact me, had none of my previous payments associated with the accounts so the balance reflected the full amount, and has not responded to complaints with the credit reporting agency other than they consider the debt valid. I believe that they need to at least TRY to contact me so I can pay this. It 's such a stupid amount that if I had gotten even one additional statement or notice from them, I could easily have paid. And I STILL do n't know if they even tried to bill my insurance like all the other bills that were submitted. I paid every single much larger amount to all other medical agencies because they did bill insurance and then followed up with a statement. It may be that there is an amount that is due, but I do n't know what amount and ca n't get an answer. I also feel like it is fraud to just try to ruin credit for someone without even trying to let them know. If XXXX had sent me a bill, this would have been paid easily. I refuse to deal with the collection agency since they are clearly just trying to collect the full amount ( XXXX were paid directly to XXXX before I had to give up because I do n't even know if it 's been paid off, still owing, or may have been over-paid ).
Product: Student loan

For the past XXXX years since I consolidated my loans with Navient, I have been paying {$520.00} a month with an agreed maturation date of XXXX/XXXXXXXX. I recently went back to school, which I am paying for out of pocket. I did not apply for loans. Without calling or emailing, Navient deferred my loans. I called within XXXX hours to inform them I did not want to defer my loans request they revert to the previous payment plan with and end date of XXXX/XXXX/XXXX The next month I was charged {$510.00} and I received an email from them saying they've changed my payments to {$500.00} a month with a maturation date of XXXXXXXX I never asked for this. They are unwilling to understand or help me online. They are using the same tactics they used when I first graduated school and convinced me to take a forbearance so I am now paying more than double my loan amount. I would greatly appreciate your help in getting my account back to the agreement we had. I would also like to be part of a lawsuit against Navient as they entirely look advantage of me as a student when I borrowed $ XXXX I am repaying over a {$100000.00}. My interest at this point is more than 50 % of my remaining loan.
Product: Credit reporting or other personal consumer reports

According to the IRS an unpaid charge off is income and according to FCRA income can not be reported on a credit report. I am writing to formally request the issuance of IRS Form 1099-C ( Cancellation of Debt ) for the account that have been charged off by your institution. After checking my most recent report the following charge off account below is updating and affecting me mentally and physical. 

WFBNA CARD Acct # : XXXX