23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have two Tax IDs on my closing documents ( dual lots ). Mr Cooper successfully paid the primary lot but the secondary lot was not paid for. I received a deliquent notice on XX/XX/XXXX. I contacted mr cooper on the XXXX and was promised taxid XXXX would be paid along with the late charges of XXXX. Original tax bill was XXXX. My escrow had XXXX to cover the amount at that time. I called again on the XXXX and my call was escalated to XXXX ( XXXX ). I provided her the phone number to the county collectors office and I was assured it would be paid. I called again today and was hung up on. I am going to have to pay this out of pocket. I can submit the original closing disclosure which indeed shows 2 tax ids. My broker indicated that he has 3 other clients with the same issue and he suggested filing a cfpd complaint.
Product: Credit card or prepaid card

I was shocked when reviewing my credit report and found a late payments on the date below : 30 days late as of XX/XX/XXXX ( XXXX ) and XX/XX/XXXX ( XXXX ) 30 days late as of XX/XX/XXXX and XX/XX/XXXX ( XXXX and XXXX ) I am not sure how this happened. I believe I made my payment to you when I received my statement. My only thought is that my statement did not get to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, Possible Finance, XXXX XXXX XXXX, has violated my consumer rights I sent a certified letter of dispute With a clear Police Report and theft affidavit as well as my driver license to prove my identity and proof of address these companies fail to give me a proof of how this debt or collection are mine which is still reporting to the credit agencies fraudulent debt I sent clear Demand letters to The Direct Companies And 3 of the credit agencies they all fail to comply in a timely manner as well as they have violated my consumer rights under the fdpa law Im Requesting them to remove any debt or collection using my social or personal information immediately Im in the process of sueing legally!
Product: Payday loan, title loan, or personal loan

First I called Im XXXX asking how much I stilled owe and was told and the amount was twice the amount I had borrowed. When I applied I did not realize the interest rate at that time I gave them my bank account and routing information for monthly payments after 2 months changed payment route to debit card in XX/XX/2033 had trouble with my card did not make payment in XXXX did not give them permission to take payment out of my bank account XX/XX/2023 they hit my bank account for payment that I did not give them permission to do at this time I am in a bind fixed income and can not afford to pay double on a loan I have paid back fulll amount plus at this time
Product: Checking or savings account

I am now 6 months into the process of trying to gain access back to my account. This is the 2nd report I have filed. Some while ago, I was given a notice that my account was locked and that I no longer have access until I can confirm fraudulent activity. I followed their instructions on submitting the necessary and proper documentation to validate my account. That paperwork was all properly submitted over a month ago. The representative in charge of my case does not answer the phone. It has now been 6 months and I have not had access to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my Complaints # XXXX, XXXX, and XXXX was closed last XX/XX/XXXX when I checked it. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im as tickler for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block these files. 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 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: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report and noticed that there are items that are not right. 

I saw these inquiries are on my credit report, and you need to remove them because they are inaccurate, incomplete or unverifiable : Inquiry from XXXXXXXX XXXX XXXXXXXX, Note : HARD Inquiry : Banking - XXXX, Date : XX/XX/XXXX This information is due to identity theft, please remove it. 

I saw these accounts on my credit report, and you need to remove them because they are inaccurate, incomplete or unverifiable : Account : XXXX XXXX XXXX XXXX XXXX XXXX ) Date Opened : XX/XX/XXXX Balance : XXXX I do not recall this account ever being paid late or missing a payment. Please remove the inaccurate account from my report. 

I want my credit report to be accurate and by law you need to remove accounts that are inaccurate, incomplete or unverifiable. If you verify the information, please respond with verifiable proof of an original consumer contract with my signature that you have on file for the accounts above. Unverifiable accounts must be removed.
Product: Money transfer, virtual currency, or money service

On XX/XX/17 I sent .XXXX BTC from my XXXX account to my XXXX account. It was completed on XXXX part and sent to XXXX/Coinbase. My Coinbase account said that they received the BTC and supposedly sent it to my XXXX account. It even says that its completed. However, on my XXXX account I have no BTC and no history of the transaction. And there is nothing nothing on Coinbase either. I have tried messaging every day for the past week and have received no reply from them even acknowledging the situation.
Product: Debt collection

There is a Carmax on my credit report that I did not authorize nor do I have ANY knowledge of it. I tried disputing it on XX/XX/22
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. 
I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the Equifax data breach, which has exposed my sensitive data to unauthorized individuals.

The following fraudulent accounts and inquiries have been identified as a result of this breach : XXXX. The following personal information is incorrect Employers : XXXX XXXX XXXX XXXX  XXXX this information on this credit report is not 100 percent accurate XXXX XXXX XXXX Account Number : XXXX  Please remove it from my credit report. 

XXXX this account number is inaccurate along with the wrong date opened DEPTEDXXXX Account XXXX : XXXX Please remove this inaccurate information from my credit report. 

XXXX this account number is inaccurate along with the wrong date opened DEPTEDXXXX Account XXXX : XXXX Please remove this inaccurate information from my credit report. 

XXXX this account number is inaccurate along with the wrong date opened XXXX Account XXXX : XXXX Please remove this inaccurate information from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Below is a list of unauthorized inquiries made on my credit file XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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
Product: Credit card or prepaid card

XXXX   XXXX  from  Citi b ank has closed my accounts from several years ago and will not reopen them. even though I have perfect credit. He is discriminating against me for being a victim of fraud. A few years ago my card numbers were stolen, I reported this t o Citi  bank and told them I never received the service or merchandise for these fraud charges. Instead of helping me out, like they have a duty to, especially me being a victim of fraud, they closed my accounts and are fighting me to reopen them.    XXXX   XXXX  responds saying I intentionally misreprested some disputes, he is  WRONG.. tho se are valid fraud charges. He is basically calling me a liar and siding with the merchant. This is wrong and illegal. I have proof I never made those charges, yet he discriminates against me for being a victim of fraud. this is not right and could turn into a class action issue, I have researched  Citibank has been doing this to thousands of people.
Product: Credit reporting or other personal consumer reports

TransUnion has and is violating the FCRA by blocking me access to my credit report. 
According to the Fair Credit Reporting Act ( FCRA ), you have the legal right to dispute any inaccurate information on your credit report, meaning you can contact the credit reporting agency and request an investigation if you believe there are errors in your credit file ; the agency must then investigate and correct any inaccuracies they find.
Product: Credit card

IXXXX XXXX XXXX XXXX my identity was stolen. At that time I had a Barclays Jet Blue credit card and 3 other Barclay cards were opened in my name. When I noticed it I reported it to Barclays. They immediately closed all of my accounts. I have spoken to the Barclays fraud department 4 times and was told they are working on it and I would receive a letter in the mail within 10 business days I never received anything from Barclays. Barclays has since reported me to the credit bureaus which has adversely effected my credit score. There is still an outstanding balance of {$1500.00} which is accruing late fees and interest. I don not know what else I can do as Barclays is simply providing me with lip service. I spoke with Barclays today and went through the same drill as I did in my previous calls. I tell them about what happened, have to give them the fraudulent charges, am told they will send me a letter in 10 days. last 4 digits of card is XXXX agent number spoken to XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the following accounts and inquiries from my credit report. I am a victim of a data breach, and as a result, these accounts and inquiries were fraudulently opened in my name. I am requesting that they be removed in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Accounts to be Blocked and Deleted : 1. XXXX XXXX  Account Number : XXXX XXXX  Date Opened : XX/XX/XXXX XXXX  Amount : {$1600.00} 2. XXXX XXXX XXXX Account Number : XXXX XXXX  Date Opened : XX/XX/XXXX XXXX  Amount : {$1100.00} 3. XXXX XXXX XXXX Account Number : XXXX XXXX  Date Opened : XX/XX/XXXX XXXX  Amount : {$0.00} 4. XXXX XXXX XXXX Account Number : XXXX XXXX  Date Opened : XX/XX/XXXX XXXX  Amount : {$0.00} 5. XXXX  XXXX Bankruptcy XXXX  Case Number : XXXX XXXX  Date Filed : XX/XX/XXXX XXXX  Amount : {$0.00} Inquiries to be Blocked and Deleted : 1. XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX 2. XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX 3. XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX
Product: Mortgage

First mortgage company XXXX XXXX, sold my mortgage, refunded my escrow amount ... .Supposedly sold it to Shellpoint/Newrez ( but they are only a debt collector ) As Shellpoint/Newrez was now handling my payments, I was having a very hard time, trying to get right dept inside Shellpoint to help me with removing any escrow payments, as I paid my mortgage each month ( was never late making monthly mortgage payments only ) Their bookkeeping would never reflect, that I paid the proper Principal/Interest payments each month ... .Instead, their statements sheet sent to me each month, would only show " Unapplied partial payment " ... Which was my correct amount of Principal/Interest ... .But they refused to show it as it was paid properly ... .But they would add a lot of bogus fees, when in reality I paid my mortgage, also would tack on the erroneous amounts of escrow, that was not proper, again cause I paid my own Home Insurance, and Property taxes... 

Each month, I would have to call up customer service, spending 30 minutes- to an hour ... .just paying my monthly mortgage payment, of principal and interest. Would be shuffled between depts ... .As they tried to force me to pay a huge erroneous escrow amounts, as again, I pay my own Home insurance and Property taxes ... .Many times, the agent would refuse to take my normal mortgage payment, if I didn't pay their huge erroneous escrow payments... .So I would have to then ask for a supervisor, just to take my Principal and Interest .... 

Their problem solving dept, would only fein like they cared, as I had proof of my payments to Home Insurance/Property taxes ... .But they always refused to correct anything they did, which I did send by registered mail, with copies of Home insurance/Property Taxes paid ... .They refused to accept, that I was allowed to pay my own bills ... .Which is a violation of contract, and my rights to determine my own bills ... .They now are sending a short notice, of foreclosure, and given me only 3 business days, to pay their deceitful, and bogus fees/Escrow inflated highly ... .money demands ... .They are abusing my rights, as a mortgage customer, and not obeying laws of a mortgage contract, made under prior mortgage company ... .I expect them to respond, with the fact, I have never been late, nor missed any monthly payments ... .This is abuse in a very bad way, by this Shellpoint/Newrez debt collector .... 

Please rectify this abuse of payment recording, and correct the record. As I paid the regular payments of Principal/Interest ... .On account they want me to pay over a total of {$8000.00} to reinstate my ability to continue paying my monthly mortgage payments ... .also want me to now pay them huge fees to continue paying my regular mortgage payments, or they threaten to sell my mortgage in a foreclosure ... .Their erroneous fees amounts to over $ XXXX {$2700.00}, tacked on just to allow me to keep my mortgage .... 


Help me ... XXXX - XXXX XXXX XXXX .Owner of property they want to take from me .....
Product: Debt collection

I received a notification from XXXX stating that I have a collections account on my credit report from JJ Marshall Associates, with XXXX XXXX, a property leasing company as the original creditor. 
I contacted JJ Marshall via their telephone number, ( XXXX ) XXXX. They helped me learn that my details were used to lease an apartment in XXXX XXXX, Indiana, and the leasing office has placed a debt collection in my name. 
It is evident that this fraud was committed by someone using my name and details, and I would like to state that I have never lived in Indiana. The apartment in question was added to my credit file back in XX/XX/2023, which I disputed with XXXX and got deleted from my credit file. 
I am attaching the dispute report I filed with XXXX to remove the address and telephone number. I am also attaching the XXXX  of the collection account for more details. 

Thanks & Regards XXXX
Product: Debt collection

For the last FOUR years, I have been receiving multiple robo-calls to my home " attempting to collect a debt '' however it is not a debt that I personally owe. The person who had this phone number before me owed many debts, and I have managed to remove myself from the list for being contacted by all the other companies/agencies that have been calling, except for XXXX. I do n't even know the reason for the debt or the name of the company, but I have called them back at the number given many times. Most of the time I can not be connected to a real person when I call, but when I have been able to speak to a person, I have given my name and contact information and explained that the person who owes this debt is NOT me or anyone I know, and asked that they stop calling. It has been more than a month since the last time I called, and I am still receiving phone calls from this agency. Their phone number is XXXX. They do not give any other information in the automated message when they call.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to remove late payments on my credit report from my auto loan financed by XXXX XXXX.
Product: Debt collection

I received my income tax in 2010 through XXXX on a card loan through HSBC bank. I purchased a insurance throught XXXX if anything on my taxes were wrong they would cover it. Well HSBC Bank is saying XXXX over payed me XXXX dollars. I told them I had the insurance through XXXX and I contacted XXXX and they told me they will handle the problem. Well HSBC refused to talk to XXXX to get the problem taken care of. I could not get the problem handled without them letting XXXX getting involved so it became at a stand still. XXXX tried to cotact them and they would not discuss the matter with them. HSBC reported to the credit agency they sent us up with payments and we never made payment saying I was late and missed XXXX payments. WE NEVER MADE A PAYMENT AGREEMENT A ANY TIME. I have filed bankruptcy and included HSBC in my bankruptcy since they would not comply with XXXX. They are 5 years after bankruptcy they are still showing on my credit report I missed and was late on XXXX payments. They have no proff I was late or missed any payments. Now this is stopping me from getting a home equilty lone to purchase a home for my family. Pleas HELP Thank you XXXX XXXX
Product: Debt collection

I began to review my credit earlier this year and noticed several inaccuracies. Letters to all bureaus were mailed approximately around XX/XX/2019. Follow up letters were then mailed approximately around XX/XX/2019. Out of an abundance of concern, I requested that VALIDATION around XX/XX/2019 in accordance to the Fair Debt Collection Practices Act be provided to me timely for my personal and legal review. However, after two separate requests made timely for this, the company has failed to provide me with this validation. The company not only denies me of my rights as a consumer under this act, they also continue to employ illegal practices, reporting tactics to bureaus, and harassment methods via phone and letter. 

I began to review my credit earlier this year and noticed several inaccuracies. Out of an abundance of concern, I requested that VALIDATION in accordance to the Fair Debt Collection Practices Act be provided to me timely for my personal and legal review. This account was deleted from my credit reports only to be sold to another company and reported again as a new debt. They have YET TO PROVIDE ME WITH VALIDATION OF DEBT IN ACCORDANCE TO THE LAW. THEY ALSO HAVE YET TO DELETE THIS FROM MY CREDIT REPORT.
Product: Credit reporting or other personal consumer reports

XXXX, Transunion and XXXX were sent disputes in regards to fraudulent activity for accounts : XXXX XXXX XXXXXXXX Account # XXXX XXXX XXXXXXXXXXXX XXXX-Account # XXXX XXXX ORIGINAL CREDITOR FOR XXXX & XXXX XXXX ACCOUNT # XXXX Verification of debt was not validated and no proof of verification was returned. 
Updated FTC # XXXX NOTICE TO CEASE AND DESIST Dear Sir/Madam, You are hereby notified to immediately cease communications and reporting on my credit report concerning the collections and the alleged debt associated with the account referenced above.This letter serves as a written request pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ). 
I dispute the validity of the debt that you claim I owe and request that you provide verification of the debt, including the original creditor 's name and address, the amount owed, wet ink signature, My fingerprints, Original contract, and proof that you are licensed to collect debts in my state ( if you are a debt collector ). Until such time as you provide verification of the debt, I am exercising my right to cease and desist all collection activities. Please furnish evidence and proof not statements on how you verified the debt. Statements are hearsay in the court of law. 
Please do not send any statements. I will question the authenticity of any statements sent. I demand removal for failure to produce the original contract. It is alleged debt until it can be proven. With no supporting evidence it must come off the report. 


Furthermore, I am requesting that all communication regarding this debt be conducted in writing only. Please do not contact me by phone, email, or any other means except in writing. Any further attempts to collect this debt without providing verification or in violation of the FDCPA will result in legal action being taken against your agency. 
IF YOU OR ANY OTHER AGENT OF YOUR COMPANY ATTEMPTS TO CONTACT ME OR CONTINUE REPORTING THE ALLEGED DEBT, A FORMAL COMPLAINT WILL BE FILED WITH THE FEDERAL TRADE COMMISSION. 
Please move forward with the above request. Failure to complete request I will sue for each violation not limited to but including reporting information without my consent, invading my privacy, and defamation of character under permissible purpose ( 15 usc 1681 ) In closing, please acknowledge receipt of this letter and confirm that you have ceased all collection and reporting activities on this debt. Failure to comply with this request will result in further legal action. 


Sincerely, XXXX XXXX
Product: Student loan

XXXX of 2024, I enrolled in a school called XXXX XXXX XXXX. Once I enrolled on the website, it stated that I will become a XXXX XXXX XXXXt. Also, once I went to enroll in the school, I was told by an admissions representative that we will become certified as well. Now that it is closer to graduation time, I was told by an instructor that we wont be certified dental assistance we will only graduate with a completion of a dental assistant program. Once I got this information from the instructor, I schedule a meeting with the president of the school and also the director. I expressed to them about this misleading information. I told them that this information was listed on the website they ask for me to pull it up. Once I did and showed them they apologized for this misleading information and admitted to this being false information. I asked for them to give me a breakdown on what did I spend XXXX for they couldnt provide that information. I even expressed to them my interest in becoming an orthodontist assistant. We agreed upon them, placing me in a XXXX office to complete my extern hours where I have to complete XXXX hours in order to graduate. Still of yet they havent placed me in an XXXX office. They have threatened to drop me from the program where I wont be able to graduate. I also expressed to them in the meeting when we covered our orthodontist module we only learned one day and didnt have the proper tools to learn the material with this specialty.