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

I am a victim of identity theft. I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge or open this account. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. Items are Account name : XXXX XXXX XXXX XXXX When was this account opened : XX/XX/2023 Account balance : {$26000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX   XXXX   XXXX  OFF my credit card account on  XXXX   XXXX ,  XXXX  after I had negotiated a settlement.  XXXX   XXXX   XXXX  Continues to Report the account delinquent on my credit reports  7  + Years after I settled this account for less than full balance.  XXXX   XXXX   XXXX   Refuses to discuss this account and referred me to  XXXX   XXXX . After Contacting  XXXX   XXXX  I was advised that they had referred this account to an attorney in  XXXX   XXXX   (  6 years and 11 months after the initial charge off ). The Attorney returned the account to  XXXX   XXXX  and  XXXX   XXXX  has No knowledge of the status but they will reassign the account to someone else in the nex t 5 to 10  days.  XXXX   XXXX   XXXX  Continues to provide the Credit Bureaus with Incorrect information 7 Years after the account had been charged off. The latest Incorrect report was  XXXX   XXXX  We attempted to resolve this account years ago but   XXXX   XXXX   XXXX    was Not interested.     The Original dispute Involved   XXXX   XXXX   XXXX   Raising the % rate to 18 % from the original 6 % rate and advising me that if I did not like the rate, I could pay off the account and go away
Product: Debt collection

On XX/XX/17 I received an email from the collections department of Acima stating that my payment was in default, this email illegally disclosed my debt to multiple third parties as this was a chain email sent to multiple customers and I'm turn disclosed these customers debt to myself, without their permission or knowledge.
Product: Money transfer, virtual currency, or money service

In XXXX, I used Circle XXXX XXXX as a bitcoin wallet service and transferred funds to and from them from my checking account. XXXX XXXX, XXXX, I called and requested my remaining funds be transferred to me as I am having a family medical emergency and am desperate for the funds I own in the amount of {$1000.00}. Funds were guaranteed within 6 business days online and over the phone even if the debit card on file was older and no longer in use. No matter what the funds would reach my account or bounce back to ( them ) if the account could not for some reason receive them. The funds were never received. I called and emailed them many many times sometimes several times in one day the ensuing days thereafter XXXX XXXX up until last Thursday. They claim XXXX has the funds but XXXX does not and have absolutely no record of said funds ever received or even attempted to be wired. XXXX asked for proof of the record of transmittal which Circle now refuses to send or even communicate with them or me. They claim they have lost ( my ) funds somewhere in the billing department and dont know what happened to them. They said There is a lot of back and forth between departments ( nebulous departments and people ) and tracking lost funds takes a long time and effort. I find this absurd for a financial holding company to say and stand by. If this is the case, they are incompetent and/or liars. Simply put, this is fraud 100 % and the fact that they refuse to work with XXXX or me is proof of this. Please contact them and enforce that they send my {$1000.00} as my daughter is in the hospital in critical condition and insurance will not cover nearly all the expenses. Thank you very much.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dispute Letters ( XX/XX/XXXX ), a Follow-up Letter ( XX/XX/XXXX ), a Follow-up Letter ( XX/XX/XXXX ), a fourth Follow-Up Letter ( XX/XX/XXXX ), a Notice of Intent to File a Formal FTC Complaint ( XX/XX/XXXX ), a Follow-up Letter ( XX/XX/XXXX ), and seventh a Follow-up Letter ( XX/XX/XXXX ). In total, I have sent seven letters asking for a correction to my credit report. 
To date, I have had to dispute incorrect auto collection along with inquiries that are not mine seven times. To date, I have not received a response from any of the credit bureaus on the inquires, or the confirmation of the removal/deletion of the auto collection even with the extensive supporting evidence discrepancies found on my credit report from all three credit bureaus. 

The auto collection : XXXX. XXXX XXXX  with account number XXXX for the original creditor " XXXX XXXX XXXX, XXXX '' for the initial amount of {$30000.00}. This auto-collection has not been removed/deleted even with the extensive evidence. I have attached supporting evidence to show this auto collection is not mine with discrepancies. 
The inquiries XXXX. XXXXXXXX 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 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: Student loan

This is now another loan servicer so I am going to just file a complaint because it is the only way I have gotten any response. I would like the new loan servicer to see the response from the last loan servicer. For the last XXXX or so years I have attempted to resolve this matter XLS, XXXX and XXXX. It all boils down to the interest rate being changed from XXXX percent to XXXX percent XXXX years after the documents were signed. I have received copies which clearly shows the electronic alteration of the documents XXXX years after the fact. Also paperwork does not have the name of the person completing the paperwork nor does it have anything that identifies me as the signer. ( state id, drivers license, passport ect ). I have filed the mass of paperwork for an investigation. I contacted XXXX XXXX XXXX  Ombudsman then XXXX Ombudsman. Then XXXX said to contact XXXX XXXX XXXX  Ombudsman and so on and so on. 
I find this is the only forum where I get some response. I have sent everything certified mail return receipt requested
Product: Money transfer, virtual currency, or money service

I am sending this complaint with the hope that the Consumer Financial Protection Bureau can assist me. 
My wife passed on XXXX XXXX, XXXX. I engaged a probate law firm, and an Order of Summary Administration was accomplished ( copy provided ). I presented this Circuit Court Order to JPMorgan Chase on XX/XX/XXXX at approximately XXXX XXXX XXXX  time. The branch and person where I presented this order is, JPMorgan Chase, XXXX XXXX XXXX, XXXX, FL XXXX. The persons name is, XXXX XXXX, XXXX, email XXXX. After she consulted with someone ( I dont know who ) in the back area of the branch, she indicated the following. She indicated that they would need five business days to review the Court Order. She provided a reference/escalation number of XXXX. 
I was extremely upset with what she indicated and that same afternoon I sent an email to the email address for the office of XXXX XXXX, XXXX, XXXX. Please see copy which follows, To Whom It May Concern : I am sending this email to communicate a Contempt of Court Order by JPMorgan Chase. 
Today, I presented the attached Court Oder to XXXX XXXX, at the branch address, XXXX XXXX XXXX, XXXX, Florida, XXXX. After she consulted with someone ( I dont know who ) in the back area of the branch, she indicated the following. She indicated that they would need five business days to review the Court Order. She provided a reference/escalation number of XXXX. 
This Court Order is Boiler Plate and does not require a review by XXXX XXXX. The Court Order clearly Mandates, There be immediate distribution of the assets of the Decedent as follows. You can view the distribution specifics on the copy Ive provided. I have adhered to Florida State Law in this case regarding the death of my wife. It is apparent that JPMorgan Chase, is under the impression that they can circumvent Florida Statute.

If JPMorgan Chase continues to ignore this Court Order, I will engage the necessary litigation. 
Respectfully, XXXX XXXX XXXX The day after ( XX/XX/XXXX ) I sent the above email, I received a call which went to voicemail at approximately XXXX XXXX, XXXX  time. This call was from a woman named XXXX ( no last name ) where she indicated that she was with the executive complaint area. Her phone number is, XXXX, ext. XXXX. She has provided no other contact information other than stating that she is in a central time zone. After my leaving two unanswered voicemails, she finally returned my calls. She has just continued with the scripted response, that they need to review the case. 
As of today, Tuesday, XX/XX/XXXX, I have still not received the distribution, as per the Circuit Court Order. This seems incredulous. JPMorgan Chase appears to consider this item trivial, with no regard for Florida State statute. Im starting to wonder if the funds from my deceased wifes account have been misappropriated.

Once again I am very hopeful that you can assist me with this problem. 
Respectfully, XXXX XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XX/XX/2018 XXXX XXXX XXXX XXXX XX/XX/2018 XXXX XXXX XXXX XXXX XX/XX/2018 XXXX XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX XXXX  Delaware XX/XX/2018 I have sent a written letter to TransUnion and I called them Personally. They said they could not help me dispute the inquiries and that they will stay on for two years.
Product: Debt collection

Inaccurate and defamatory information is being reported on my credit report. I have made several attempts to contact this company regarding the derogatory information being reported to my credit bureaus. My first Debt Validation letter was signed and received by them on XX/XX/2020. I received no response. I later sent a Non Response letter advising them to delete this negative information from my credit reports as they have not provided any validity that this debt belongs to me nor exists. This is a clear character violation and lack of validation. I have given 30 days to respond regarding my dispute with no proof in sight. How is it possible for them to continue reporting clearly Unverified, Invalidated, and Inaccurate information to my credit report? I am requesting this company to immediately remove this erroneous invalidated information from the three major credit bureaus : XXXX, XXXX, and XXXX. I am also requesting a physical deletion letter be mailed to me directly
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE CAPITAL ONE AUTO FINAN Balance details Paid off - Balance - Balance updated - Original balance {$15000.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Auto Loan Payment summary XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - PAYMENT HISTORY LEGEND Status Paid, Closed/Never late. 
Status updated XX/XX/XXXX Original balance {$15000.00} Monthly payment - Last payment date XX/XX/XXXX Additional info Responsibility Joint Terms 73 Months Company sold - Original creditor - Comments- Your statement - Contact info Address XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 2021
Product: Mortgage

Legal expenses not reported and collected ( XXXX and XX/XX/2016 ) for {$400.00}. Insufficient funds charges, other charges and title cost not reported and charged for {$55.00} ( XXXX and XX/XX/2016 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Last month I called to report inquiries on my credit report that weren't made by me, I was told by a Transunion rep they cant dispute inquiries online or over phone that I had to dispute them with the credit companies, so I did that each one told me I had to contact the credit agencies and dispute them with them. So I tried speaking to Transunion again and they told me I couldn't dispute them.
Product: Credit card or prepaid card

A Capital One account was opened using my information, I was unaware of this account until I began trying to repair my credit. That is when I saw this account I never even recall opening. I have notified the credit bureaus of this fraud. I have already filed a police report regarding this account, as well as others included in this identity theft.
Product: Debt collection

This compliant is against Midland Funding I have disputed this account that is currently listed on my credit report. I sent correspondences to Midland funding and the only documentation they are showing me are invoices for me to make payment. I have never entered into any agreement with Midland and I have asked them to verify the proof that I owed the debt.
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When I dispute these items with  XXXX ,  XXXX  &   XXXX   the debt is continuing being reported on my credit report as verified from furnisher which is a violation of the FCRA.
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Currently the furnisher Midland Credit is reporting false information for example : The date open reports  XX/XX/XXXX  Date of 1st delinquency  XX/XX/XXXX  Date of the 1st major Reporting XX/XX/XXXX  How can the account 1st delinquency which is  XX/XX/XXXX , occur a year before the account open in  XXXX .
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This information is false, and Midland continues to call me, send me type written correspondences and send information to the credit bureaus.
Product: Credit card

I've always made it a point to ensure timely payments on this account, never allowing them to become overdue. However, I'm unsure about the reasons behind the reports of late payment remarks on my accounts. Based on 15 USC 1666b - Billing Error, this should be corrected.
Product: Student loan

My servicer was XXXX. In 2008, during the financial meltdown, I asked for assistance from XXXX  to either lower my payment or use a forbearance, they instead put me in a deferment that accrued interest. I now see that XXXX  is paying a penalty and reimbursing for their illegal dealings. My student loan was originally {$73000.00}, I paid payments of $ XXXX. My current balance is {$110000.00}. If I had been put in forbearance, this interest would not have accrued. My loan has been transferred to Aidvantage and I am currently in an income driven plan with XXXX payment. I have tried to get this loan forgiven, I am XXXX and live on social security of {$1500.00} per month. I was horribly taken advantage of by XXXX. I now see that XXXX  is obligated to reimburse the people they cheated, and I want to know if this loan is in that group. The last XXXX  class action lawsuit, I didnt get included because they said I didnt make a claim. How do I ensure I get included in this go around.
Product: Money transfers

I have wired {$23.00} and transfer fee of {$5.00} to the XXXX on XXXX XXXX with MTCN XXXX. The transaction did not go through but Western Union did not refund the total of {$28.00}. They said there was an error in the recipient 's account. I told them that it was not anybody 's fault so I just want to get refunded but they saod they will not return my money back.
Product: Mortgage

I fell behind on my mortgage after my wife became ill and the medical bills began to pile up. I was forced into bankruptcy and the payments are overwhelming. I hired an attorney to assist me in applying for a loan modification with my lender, SLS. My attorney submitted my complete financial package to SLS in XX/XX/XXXX ( Approximately XX/XX/XXXX ). My attorney has been calling SLS every week to follow up and provide any additional paperwork they may need. My attorney states they have been very diligent in providing all paperwork on time and confirming all paperwork was received. I was also informed by my attorney that servicers such as SLS are no longer allowed to " evade '' and stall the review process ( RESPA Regulation X ). I feel my servicer has done just that. Today is XX/XX/XXXX and my application and all paperwork has been submitted by my attorney. The most recent note are attached to this complaint. Just today SLS told my attorney that they were going to deny my application for missing paperwork. Today it has been over two months since I applied. All paperwork that was requested was supplied in a timely manner ( At most within a few days of it being requested ). SLS is playing games, dual tracking me, evading review and stalling when they have enough information to make a decision. I am on a monthly payroll. I only receive one check a month and that is it. My wife gets a very small income from royalties and other than that our application is very simple. My attorney states SLS is doing this on purpose to force me to get frustrated and just give up my house. This appears to have broken the RESPA laws and I would like the CFPB to look into it.
Product: Checking or savings account

On XXXX I was involved in an accident where I had to be rushed to the hospital and soon after put under XXXX  to undergo XXXX. When I woke up I did not have my purse nor cell phone, which I found out later was stolen. I immediately contacted Huntington Bank to lock my card from my XXXX XXXX. 

The next day when I was released from the hospital I got a new phone at which time I logged into my mobile banking to find over 10 unauthorized transactions were made on my account using my debit card. I filed a police report for theft and fraud immediately after contacting the bank and disputing the charges. 

I recently found out that Huntington has denied my dispute even after providing documentation that I was XXXX during that time. I have tried reopening my dispute to be escalated within the bank with no success. 

During a recession I can not afford to just let {$4700.00} go to a scammer. I am a single mother to 5 young children and this loss will cause me to be evicted, car repoed, electricity disconnected and possibly lose custody to my children. 

Please assist me with regaining access to my funds On XXXX  I was contacted by XXXX from XXXX stating The company is refusing to honor my dispute due to stating biometric we're used to access my bank information when that is not the truth. The person who stole my phone had access to my phone code which they used to access my saved passwords and access the banking app to change my PIN code and then used my card. This is the information I was given from the police which the bank is refusing to honor. They are saying that just because I have face biometric set up on my phone that I am responsible for the thief being able to access my accounts. Which Is totally unacceptable. I have been through a tragedy and now they are causing more trauma to my life. I understand this is a large sum of money however It's my loss that I can not afford to take. They are also refusing to share this biometric history login with me at my request due to privacy reasons. But how when it's my privacy. I really need help with a resolution to this situation
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 1

5 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

On my credit report this debt is showing as opened on XX/XX/2018. I do not owe this debt nor have I ever received any documentation regarding this debt.