23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

There is a report on my credit report from a medical service that does not belong to me from XXXX XXXX XXXX. I do not live anywhere near this facility and have never even visited or been near this facility. This is fraudulent charges and probably idetity theft. This has been on my credit report for months and for months I've been disputing them. This is preventing me from getting a loan. I've been very patient but no one is helping me. They just send me online. Please help me. I need them to correct this information and remove the fraudulent charges and any history of it. I've disputed this on all of the credit reporters. I don't have any documents like Receipts or anything as this is NOT my bill.
Product: Student loan

I have made a student loan payment to ED financial on XX/XX/31 of {$880.00}. This payment has been withdrawn from my bank account by ED financial. It is now XXXX and it is still not reflecting on my account balance. I have called XXXX separate times and each time they lie and tell me different answers. They took the money out, my bank did not cancel my transaction and it has been over XXXX month with no resolution. I have tried addressing this with them and their representatives have no idea what the issue is. Even spoke with a supervisor who has no idea what is going on. Said they would resolve the issue STAT, that was over XXXX week ago. Still the payment does not reflect on my account. This student loan company workers are lying and providing incorrect information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account name XXXX Account number XXXX .... 
Recent balance {$240.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Account charged off. {$240.00} written off. {$240.00} past due as of XX/XX/XXXX. 
Important note Account name XXXX XXXXXXXX Account number XXXX .... 
Recent balance {$2200.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Account charged off. {$2200.00} written off. {$2200.00} past due as of XX/XX/XXXX. 
Important note Account name XXXX XXXX XXXX XXXXXXXX Account number XXXX .... 
Recent balance {$13000.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Account charged off. {$10000.00} written off. {$13000.00} past due as of XX/XX/XXXX. 
Important note Account name XXXX XXXX XXXX Account number XXXX .... 
Recent balance {$800.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Account charged off. {$810.00} written off. {$800.00} past due as of XX/XX/XXXX. 
Important note Account name XXXXXXXX XXXX XXXX XXXXXXXX Account number XXXX .... 
Recent balance {$670.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Collection account. {$670.00} past due as of XX/XX/XXXX. 
Important note Account name XXXX XXXX XXXXXXXXXXXX XXXX Account number XXXX .... 
Recent balance Not reported Date opened XX/XX/XXXX Status Transferred, closed. {$450.00} written off. 
Important note Account name XXXX Account number XXXX .... 
Recent balance Not reported Date opened XX/XX/XXXX Status Closed. {$680.00} written off.
Product: Debt collection

SNATIONAL CREDIT SYST XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX ( XXXX ) XXXX Is Saying I stayed at this apartment at a certain date but I didnt stay at the apartment at that time of date.. I even contacted the apartments and they didnt have any information on me
Product: Debt collection

My dog was enrolled in XXXX XXXX XXXX vet plan, this is true, no dispute HOWEVER, XXXX XXXX XXXX Breached their Duty of Care to my Pet, negating to provide proper XXXX services when scheduled and it is my contention waiting for them to reschedule caused my pet further damage. 

My dog had XXXX and was to have XXXX checked and removed and also had developed what we later found out was a XXXX, which began on her XXXX and ultimately spread everywhere. She had her XXXX on XX/XX/XXXX..her appointment at XXXX was XX/XX/XXXX which was approximately two weeks and they called and cancelled as they had some doctors leave their employ and were unable to see my dog who needed to be seen. I did let the girl who called know that XXXX needed to be seen and she advised they were arranging for vets to come in and would call me. I never got a call, XXXX in spite of the collar we had for her and the XXXX got worse. I called the Bureau of Veterinary Medicine and found her old doctor who was aware of her severe health history and eventually took XXXX to see her, by that time, I had spoken with a doctor and used home remedies like XXXX to relieve some of the symptoms but XXXX was XXXX by this point. Once I got all of this done and the doctor was finally able to see XXXX it cost me XXXX and this was a discounted price because they knew I had saved XXXX through a animal rescue and did not have this kind of money. 
The credit agency is performing a service however, they have been informed that they should not be trying to collect this debt. If this debt appears on my credit report, I have sought legal representation and will dispute same with documentation. If they file in a court of law, I will also file suit against XXXX XXXX XXXX for neglect and damages done to my dog. A complaint has been filed with MD state against the clinic involved and XXXX XXXX XXXX in general. I have explained to the collection agency who calls non-stop, that I will pay a bill, but I will gladly meet them in court before I pay this billl as their client breached our contract by breaching their duty of care to my pet and their veterinary oaths hanging on their wall. I will never deal with them or with XXXX ever again. There are too many venues around who actually care about pets. I used to spend all of my pet money in XXXX as well as my friends, the animal rights people and boyfriend. I have not even begun to publish the complaints I have about how my Hope was handled and how I was harassed by both XXXX and this credit agency for money. 

Thank you for your time, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In CFPB Filing # XXXX XXXX XXXX XXXX XXXX stated that they CAN summarily make changes to a Mortgage without the PRIMARY signatories signature, by virtue of a Divorce Decree. In the Divorce Decree between myself and XXXX XXXX XXXX is a SPECIAL WARRANTY DEED, which is NOT THE same as a Quit Claim Deed. I have checked this with several Lawyers and even with the FBI. So, instead of fixing the problem, XXXX decides to CLOSE the offending case file, then open a NEW ONE, again without my signature. So, since XXXX XXXX XXXX can not pay on time, it shows up on my credit report. This is getting very tiresome, and this is exactly what XXXX XXXX was fined millions of dollars for, opening accounts without permission from those people. I want this stopped immediately. 

This is their response for Complaint # XXXX : We 've been unable to establish contact with you regarding you concerns about the credit reporting of your account. A Divorce Decree and/or Special Warranty Deed may transfer title to the property, but it does n't affect the original terms of the Note. Since you 're a customer under the Note, we 'll continue to report this account under your name to the consumer reporting agencies. On XX/XX/XXXX, we mailed you a notice that we were making a change to our servicing system. We did not open a new account for your loan, we simply moved your existing account to another servicing system within XXXX XXXX. Effective XX/XX/XXXX, your loan number changed from XXXX to XXXX. The account is currently due for the XX/XX/XXXX payment. 

I have never been contacted with any of this information. Ever. I am willing to submit my home phone number logs ( XXXX ) XXXX or my cell phone logs ( XXXX ) XXXX as evidence in Federal Court to prove that they never bothered to attempt contact. As I am a Federal Law Enforcement Officer, they have committed a Felony under 18 USC 1001. XXXX XXXX continually commits the exact same type of Fraud that they were convicted of in Federal Court. Also, they FAIL TO MENTION that they CHANGED the note WITHOUT my signature or consent, their OWN paperwork shows where my SIGNATURE is REQUIRED, yet they changed the NOTE at that point. 

The CFPB seriously needs to investigate this. I have contacted the FBI and HSI concerning this matter. They have BOTH said what XXXX is doing is ILLEGAL yet it does not meet their threshold for prosecutions. The CFPB needs to investigate and prosecute XXXX. XXXX can not have it both ways they can not deem my rights as primary signor null and void, materially modify the terms of the mortgage, and then set up a new mortgage account all the while telling me that I am still responsible for the note that is not the original note that I signed.
Product: Credit reporting or other personal consumer reports

Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX XXXX with Social Security Number XXXX resident of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, submit this affidavit to request a security freeze on my credit report. 
Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 
Affidavit : 1. Applicant Identification : Full Name : XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/1998 2. Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 3. Security Freeze Request : I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements. 
4. Attached Documentation : I have attached the following documents to verify my identity and process my request : A copy of my drivers license or government-issued ID.

A copy of a recent utility bill or bank statement confirming my current address.

A copy of my Social Security Number.

5. Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information. 
6. Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Opened a business CashApp account as early as XXXX, I believe and opened it under the CashApp tag XXXX XXXX I used the account for many years, leading into their policy changes to begin sending me a 1099 for payments received over {$600.00}. I continued to use the CashApp account to conduct business leading into another policy change to verify my business. CashApp requested business documents and my identification to verify that it was a legitimate business. I complied and submitted my drivers license, my XXXX  documents from the state, my XXXX 's, and my XXXX #, through the link they providedin the email. I awaited a response and contacted support and actually spoke to a representative but there was no response. I sent in documentation on XX/XX/XXXX as it had to be completed by XX/XX/XXXX. I waited and continued to use the application when I received another notice stating that I didn't comply on XX/XX/XXXX. I sent documentation in again on XX/XX/XXXX and XX/XX/XXXX without any response from them. With money in the account, and pending to receive money, CashApp restricted and closed my account on XX/XX/XXXX. I have since used another account I maintained that was not a business account to exchange funds. I was never able to finalize or retrieve my funds under the XXXX XXXX tag or account.
Product: Debt collection

XX/XX/2021 high balance XXXX balance XXXX I have asked to have this removed from my credit. I have never gone to this dealership
Product: Debt collection

A scam call came through my phone with a XXXX Area Code, asking foe me about some Transactions. He mentioned a transaction for {$4000.00}. I knew at this Point that it was Fraud, because No one ever Identified themselves Nor asked my Name, just went straight to calling about some Transactions. I tried to put then through some random test to keep them on the Phone for awhile so I can hear the background. It sounded legit because you heard others talking in the background noise, but you can hear there was No Professionalism. He Started to tell me to hold on real sarcastically when I Started to catch him in the Act. Then i hung up! I waited to see if they would call back, bit they never did, a real debt collector would of called me back. So I called them, No Ome Answered, No Citibank AI didn't come on, or Nothing. So I hung up and texted the number that I'm reporting you to the Feds rite Now hoping I sparked up a reply, but once again Nothing. Then I finally called back, and same person answered the line, now how likely is that?, and said, '' Fraud Service '' .At that point I knew the call was Fraudulent, and as soon as I spoke of reporting the number to the FeDs , the Phone hung up in my Ear!! The Phone Number that they called me from XXXX 's is ; ( XXXX ) XXXX! XXXX Line At the bottom I attached proof of the Phone calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX  XXXX Balance : {$31000.00} XXXX  XXXX XXXX Balance : {$1000.00} XXXX  XXXX XXXX Balance : {$690.00} XXXX XXXX  XXXX Balance : {$3600.00} XXXX  XXXX XXXX Balance : {$1000.00} XXXX  XXXX XXXX Balance : {$690.00} XXXX - XXXX XXXX XXXX Balance : {$3600.00} XXXX  XXXX Balance : {$31000.00} XXXX  XXXX XXXX Balance : {$1000.00} XXXX  XXXX XXXX Balance : {$690.00} XXXX XXXX  XXXX Balance : {$3600.00}
Product: Checking or savings account

I deposited on XX/XX/23 XXXX written out to my dba XXXX XXXX. Wells bank has business decision and is closing my account. But they are not releasing all of my funds. I provided my dba paperwork when opening the account. Now maybe there is a clerical error because this is not a third party check. I have done everything the bank has asked and they are holding my funds with no legitimate reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive sent Experian a copy of the letter from XXXX XXXX XXXX AND THEY HAVE NOT REMOVED ACCOUNT NUMBER # XXXX FROM MY CONSUMER CREDIT REPORT..
Product: Money transfer, virtual currency, or money service

An attorney by the name of XXXX XXXX sent my bank ( US BANK ) a Non same day cashiers check request XXXX gen ledger # XXXX cost center # XXXX for parcel # XXXX on XX/XX/XXXX. ( on or about ). This was dated to be paid within a week 7 days from date of notice. This same attorney filed for Notice of satisfaction and motion to dismiss on XXXX XXXX. My property was released XX/XX/XXXX. I paid any and all debts to this person by the dates specified and this attorney sent me a letter and acknowledged my payment and said however you owe me for another 500 and something dollars. Plus fees. I communicated via email with this attorney i had paid in full by the due date and i do not owe any more. He agreed and released my property but not before filing for foreclosure and sending my bank US Bank this attempt to collect a debt and the non same day cashier check request. On XX/XX/XXXX. My bank took this money {$3600.00} out on XXXX 5 months after the request was subbmitted and it was no longer valid. They will not explain how this happened and I have spoke to the credit dept at XXXXusbank on XXXX to a XXXX who was terribly rude and unhelpful. He said " Your asking me questions I do not know the answer to ''. Then said " is there anything else i can help you with sir? '' I said " I need an answer or to speak with someone who can tell me why this happened? '' The bank did not have proper documentation feom MrXXXX XXXX XXXX to release any funds from my equity line of credit. Not my personal checking account. Not my business acct. My equity line which is now overdrawn and I owethem a XXXX $ payment immediately by XX/XX/XXXX which I do not have XXXX . This is imperative i getthis resolved.Due to XXXX XXXX not having a real phone number or address I had to contact an attorney and had to pay my attorney XXXX $ to write an email to XXXX whom then responded to my attorney promptly. My emails were disregarded up until my atty contacted him. He then email me saying that he will give me back my XXXX $ and my bank should have not given it to him. It is a dispute with my bank. He then enclosed a release of responsibility onthis matter. It states he will not be responsible for any lawsuits that arise from this and he can not be sued over this from now until forever. This includes any future lawsuits also. He is not to blame in any way. He is to blame for all of these problems I did not owe him anything in the first place. I will not sign his agreement due to the fact he has tried to steal money from me 2x already and I caught it both times. I believe he has done this to every person whom he bought a tax lein from due to the agressive paperwork he subbmitted on me. He has found loopholes from banks to pay him large sums without being detected by the bank. Proper paperwork is to be legally filed by a judgement from a judge. Please help me, before this payment is due on XXXX XXXX XXXX.
Product: Mortgage

I am being evaluated for a modification to a home equity loan I took out with Countrywide Mortgage proceeds used to pay medical bills for my XXXX XXXX XXXX. 
The loan I now know was a predator loan set up with variable rates based on the Prime rate. 

The loan was serviced by XXXX XXXX, XXXX who knew of my hardship and financial situation but never reached out to me to help during the time of the Making Home Affordable Programs nor would they provide the amount of the reset payment. I filed CFPB complaint # XXXX. My loan was transferred shortly after to be serviced by the Bank of America. At the time of transfer my rate was B 7.50 % which carried over to the Bank. 

It was very slow going with the Bank and I was not getting any answers to my inquiries so I filed CFPB complaint # XXXX. I have been working with a Customer Relations Manager ( s ) from the Bank since my complaint and provided them with the documents they requested. I am VERY CONCERNED about the outcome as their staff are questioning the documents and saying ; 1. The XXXX I submitted was not signed or legible, and was rejected by the IRS. 
When a financial friend submitted the same XXXX to the IRS, he received the tax transcripts the Bank needed. 
2. I submitted completed tax forms for the last tax year. My signature on the forms are being questioned because it different from my signature on previously submitted documents. Well ... I have a XXXX XXXX that causes XXXX XXXX, sometime not being able to XXXX XXXX XXXX XXXX. 

For the past two month I have not received my loan statements. I was not aware of the increase in my monthly payment and interest rate. There had been no increase in the Prime rate. So I called customer service to ask why the increase. I was given a reference #, told to fax my dispute to the Rate Dept. ( XXXX XXXX ) and call back the following week. 
When I did I was told the rate was where it should be. ( see attachments ) My rate had increased to 7.75 % from 7.50 %. I was never informed all this time of the increase. Prime had not changd so I continued to make the payments at the same amount as the previous months. 
This now reflects on my credit report as late. 

Now I know why at the biweekly phone conference why the CRM always asked had I made my payment just before he spoke about the new documents I needed to forward the Bank. 
I was in arrears, did n't know it and no one was telling me. I did n't have access to it online.
Product: Credit reporting, credit repair services, or other personal consumer reports

There seems to have been an account opened for XXXX under my name. My identity has been compromised in the XXXX and XXXX security breach as well as others. 

I am not liable for this debt with XXXX and I do not have a contract with them. They have not provided me with the original application like I asked. This should be removed from my credit report account : XXXX. They have no reason to be reporting this on my credit report. Please have them delete this record from all credit agencies. I am a XXXX Combat Veteran of the war in XXXX. I am battling serious health issues and do not need this causing me further duress and injury. I need peace in my life. Please have them resolve this in a compassionate manner.
Product: Debt collection

On XX/XX/2019, my daughter was transported by XXXX ambulance service from XXXX XXXX XXXX XXXX XXXX to another. Both facilities are in network, yet XXXX is not in network and charges more than double the allowable amount. XXXX XXXX processed the claim as in network and they were paid for 2 trips instead of one. 

XXXX erroneously charged ( 2 ) trips because their driver first drove my daughter to the wrong location. They acknowledged over the phone that this was an error and promised to adjust. They have now been paid double by BCBS and continue to bill me. The debt collector said that it doesnt matter that there is an erroneous charge and that it is under review because the debt has been sold to a collector. 

I told the aggressive collection agency that the case was under review and to stop calling. Despite several requests I still have not received a copy of the trip journal, documentation of the ( 2 ) trips or charges, or a copy of the release for my signature to receive such trip documentation. 

In the meantime, Professional Bureau Collections of Maryland XXXX ( XXXX XXXX ), collections has aggressively called and left messages despite being informed that the case is still under review. I just received a message that they have now contacted my employer. This is inappropriate and must stop.
Product: Credit reporting or other personal consumer reports

I sent a letter via certified mail through the United States Postal Service. It's been more than 30 days and the credit bureau failed to return the investigation information. 

( XXXX ) Notice of results of reinvestigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than XXXX business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency.