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

Someone used my information, and fraudulently sign a forge signature and or my personal information was used to open an account. whoever opened this account refused payment and damage my good credit history. I did not open or authorize this account, and I request that it be closed immediately
Product: Debt collection

On XX/XX/XXXX, I received a letter stating that I had unpaid debt from a 3rd party debt collector from a medical bill. The amount owed was {$46.00} from XXXX XXXX XXXX which was passed to Frost-Arnett, the debt collection agency. However, I had not known about this bill because I was not told about this payment due. So I contacted the company, the same day I got the letter, asking for verification and what had happened. I was told that in XXXX I was billed that amount. However, I remember that day and my doctor never told me about any bills to pay or I was never billed that amount. There was no phone call, email, or actual mail saying that I needed to pay. I even have voicemails going back to XXXX with no one contacting me. I lived in the same place from almost 7 months, until XXXX when I moved back to California, so I should have received a letter by that time. 
Until XXXX, when this letter came in. So I was really confused, and in that same phone call, asked them to send me an email confirmation the information needed. I made a follow up call after some thought to understand what would happen to me if I did not pay the bill or how to dispute the claim, then they hung up on me without giving any clear answers. 
However it has been 6 days since that day, today is XX/XX/XXXX. I understand there was a holiday in between and they may only respond during business days. But even excluding those, they had 2 days to respond.
Product: Payday loan, title loan, or personal loan

Went online to get the loan and told us we could only get a vehicle at XXXX XXXX. Then we picked out a car and his parents asked them if it was XXXX financing. They lied and said it was, then we picked out a XXXX XXXX. The next day we got a ride and they gave us a different vehicle and it was very clear that the paper work had been done over where we signed to read something completely different and our ride had already left so we had to drive the vehicle back home. The first day home we filed with the Attorney general 's office. We were told by them not to pay the payments so we would not validate the loan. THEN I FOUND OUT THAT SANTANDER HAD BEEN ILLEGITIMATE, and had filed bankruptcy. We Never used the vehicle as it was not the one we purchased and we will not pay for it. THEY PULLED A Bait and switch and its illegal. The vehicle was returned to XXXX XXXX.
Product: Credit card or prepaid card

I purchased a flight on XXXX XXXX XX/XX/XXXX for {$380.00} with my Chase XXXX card ending in XXXX. I cancelled the flight due to covid and received an airline voucher. Recently, XXXX XXXX said they were just going to refund all these flights to original form of payment. I called XXXX XXXX and said the card I purchased the flight with was cancelled already. They said typically if you still have an account open with the same bank it is ok. I called chase to clarify, they said 'of course, we do this all the time ' and 'the credit will be put on an open account '. I went ahead and requested the refund from XXXX XXXX on XX/XX/XXXX. 

Months later I call Chase to see what's going on with the refund. They said they have no record of my XXXX credit card and don't know what to do. I made several calls to Chase, all with different answers. 
Call 1 : They said I should see the refund soon Call 2 : They said the money was returned to XXXX XXXX, and I need to call them. I then called XXXX XXXX who said the money was sent to Chase and never sent back. 
Call 3 : They said the account is purged. In order to fill out a form to get the money, I need to provide the full credit card information. I don't have the credit card anymore and for some reason Chase doesn't have records of a card cancelled a handful of months ago. They said to fax in all my information to receive the card number. -- > I faxed all my information and received a letter back saying 'We can't locate the transaction information you requested. ' Call 4 : They said they call fill out the form but do require the card number - again, they can't see it in their system. Said to send another fax as there is nothing left to do. 

So at this point I have called Chase many times and it comes down to needing the card number - which I do not have, and for some reason they have no record of. The last call I had the person said there is nothing left to do ... 

Chase originally told me this 'would be no problem ' yet now I've spent countless hours on the phone with Chase and XXXX XXXX XXXX who always have the same story, the money was sent and never returned XXXX ... 
So I just need help on next steps. Chase has the money somewhere and I would like it returned to me.
Product: Debt or credit management

I attempted to dispute information wrongfully placed on my credit report. They are false and misleading. I have tried to fix this issue in the past, but they have not decided to work with me beyond artificial communication. I am seeking relief from them only in the way of honoring the consumer and XXXX mail sent thereof.
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 items 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 items 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 items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$460.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$500.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; According 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 card or prepaid card

A charged appeared on my USAA Bank XXXX issued credit card in the amount of {$3700.00} on XX/XX/2021 I disputed the fraudulent amount charged to my credit card. I disputed the amount on XX/XX/2021. The amount appeared again on my USAA XXXX credit I call them to dispute the fraudulent charged they refuse to investigate. I am requesting the fraudulent charge of {$3700.00} to be removed and all fees, charges credited to my XXXX card ending in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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 XXXXXXXX XXXX XX/XX/2021
Product: Debt collection

Contacted this bank and they are unable to provide me any information concerning a fraudulent account. Sent mail and filed FTC complaint. This company refuse to validate debt. This company cant provide signatures on any documents because the account is fraudulent.
Product: Mortgage

I sent a certified mailing to Nationstar Mortgage company and they received it on XXXX XXXX 2016. A XXXX XXXX signed for it per the returned certified mail documentation. 
This mailing pertained to a document they were supposed to sign for my refinance process. 
I have not yet received any return document in the mail from them. 
I have been in telephone conversations with various agents of Nationstar and no one can tell me about this particular document that I need to finish the refinance process in about 2 months, when it normally takes about one month to complete! 
My main agent is XXXX XXXX at XXXX. He has tried his best to remedy this problem with the head office and he says has had no luck. 
The main issue for me is that no one has contacted me with any information ( except for XXXX ) to let me know if there is a problem with the document or anything else!! 
I 'm just not sure what else to do at this point!
Product: Debt collection

Rec 'd a call from XXXX asking if i would be home because they need to service me with a subpoena for court appearance. Asked what for? He said he did not know but if i called this number XXXX then he wouldn't have to come out to serve me. So, I called and spoke with XXXX XXXX who said I owe {$610.00} to HSBC + legal and service fees which makes the total {$1600.00}, but I could settle it today for {$610.00}. If I did not pay today, he would mark it as a refusal and my pay and or bank account would be garnished. I send them an email reply ( as suggested by on of you reps at CFPB ) and asked them to not contact me by phone only in writing via postal service. I asked them to provide me with proof for the company they say they are representing. I do not have this company on my credit report. I do not recall ever having a credit card from HSBC. 
Please advise. I have pretty good credit, I have always paid all my bills. There is no record on my credit report for this HSBC card. I want to know if this is a reputable company or is this another scam. The company is XXXX XXXX XXXX, but reply is required to The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Credit card

Two months ago I instructed JC Penney to charge the remainder of my balance and cancel my card due to repeatedly poor service. Their representative confirmed both : my balance was resolved and my account was closed. Today I received notice that I have not been making payments on my account and that I owe {$300.00} plus interest and late fees. I disputed their claim and asked for paper records on this matter, they could not confirm that I would receive any paper records on this matter. I dispute that I owe the money, interest charges, and late fees. I also demand to see a paper trail from them. Can you help me?
Product: Credit reporting, credit repair services, or other personal consumer reports

n 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   has violated my rights. 

15 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: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX ( OriginalCreditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$19000.00} ; XXXX XXXX XXXX Balance : {$12000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; 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.
Product: Mortgage

We began with AmeriHome mortgage in XX/XX/XXXX. Our very first payment was a check that did not arrive so we submitted payment over phone XX/XX/XXXX for the amount of {$1200.00}. AmeriHome reversed the payment XX/XX/XXXX but funds did not come back to our account. We had to submit another XXXX for XXXX payment, on XX/XX/XXXX because of this to stay current on our mortgage. We submitted proper documentation that AmeriHome requested to send the payment back, on XX/XX/XXXX via fax. We have spoken with several representatives that have given us several different answers as far as whats going on with our payment. Some representatives have stated the payment should be being processed and could not tell us how the payment would be returned or exactly when. When we call to check on the status of the reversal, other representatives try to explain to us that there is no payment or the bank is supposed to reverse it. The bank has confirmed with a trace ID that the payment was sent and never returned. We have been working directly with a banker at XXXX. AmeriHome refers to this document as a transmittal and the bank does not recognize that term. Today, XX/XX/XXXX we just received documentation, dated XX/XX/XXXX, that our mortgage was transferred as of XX/XX/XXXX. 
This is my second submission of a complaint to resolve this issue as AmeriHomes response was insufficient and the complaint was closed. 
The XXXX customer service manager XXXX XXXX, responded to the complaint saying the new mortgage company XXXX mortgage now has the payment and thus the complaint closed. When we talked to XXXX, they do not know what we are talking about and have only our loan debt on record. When trying to contact AmeriHome, you are routed to a sub-company and none of the phone numbers on the company website or in letters is a direct line. 
XXXX XXXX provided her direct number in the previous complaint and said to call with questions, but does not answer and has not returned any of my numerous voicemails with extensive information on who I am and how to contact me. 
For more info : previous closed complaint # XXXX
Product: Credit reporting

This complaint is against XXXX and Equifax and XXXX XXXX. XXXX XXXX reported to XXXX Equifax and XXXX to delete the credit card account noted above from your credit file. " In the process XXXX XXXX associated my SS # with my mother 's name and vice versa. A complaint is currently on file with Consumer Finance # XXXX regarding above-mentioned. As of today XXXX/XXXX/2015 under personal information for myself, Equifax has listed " formerly known as mother 's name ''. XXXX has mother 's name associated with my credit file. We are now in a much bigger situation, I believe with Privacy Act Laws. I have been put on hold for financing for a Mortgage Loan. Because of this situation I have also lost the opportunity to access Federal Funds to help with closing costs. This all starts with XXXX XXXX and the way information was reported to the Credit Bureaus but the Credit Bureaus will not accept documentation from me or my mother to correct this error and XXXX XXXX seems to be all over the place. I feel like no one is doing anything. These are errors that have created an identity issue. If I dispute my credit file I risk the dangers of scrutiny by Underwriters and if I do n't dispute who helps? This is a major issue that needs to be rectified immediately not in XXXX days.
Product: Debt collection

I made my initial complaint against portfolio recovery approximately 2 weeks ago. It wasnt until the company received the compliant that they sent me a letter dated XX/XX/2018, which is all in XXXX a language I dont speak so I still dont know what it says. My compliant with this company is they are attempting to collect against the wrong person. Prior to the company placing the account on my credit file, they called me several times and we could never get past verification because the information they have on file does not match mine. At the time I didnt have an account number ( just received it on the XXXX  only letter dated XX/XX/2018 ), so we couldnt discuss the account, all the customer service agent would say is they cant speak with me because the information didnt match, and they would remove my number. 

In the CFPB response the company stated the debt was via XXXX XXXX, I have never had a XXXX  XXXX account, in fact when XXXX  XXXX placed the account on my file they had to remove it because the account doesnt belong to me. Nonetheless, even if the account was ( which it isnt ) valid with XXXX XXXX, that doesnt negate that I owe portfolio recovery that ONLY means I would owe XXXX   XXXX ( which I dont owe either ). I have NO contract, obtaining my wet signature acknowledging a debt or establishing a contract with portfolio recovery, therefore in accordance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of this debt. Please note, this is not a refusal to pay nor is it an acknowledgment of this debt, rather a statement that your claim is disputed, and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe, portfolio recovery, the said debt and have any legal obligation to pay you ( portfolio recovery ).

Please provide me with the following : 1. Contract between myself and portfolio recovery that A ) acknowledges the debt and B ) agreement to pay your company not the original creditor ( any information including bills, contracts and/or any other paperwork from the alleged original creditor, XXXX  XXXX, is NOT lawfully under fair credit act considered to be a binding contract between myself and portfolio recovery nor given portfolio recovery the right to collect this debt ) 2. Show me that you are licensed to collect in my state ; and 3. Your license numbers and Registered Agent If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased.

Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge.
Product: Vehicle loan or lease

Inaccurate accounts and inaccurate reporting on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, per my accountant, I am required to include the charged off amount in my " income ''. I requested that XXXX XXXX  XXXX forward me a copy of the required 1099-C that should have been generated as a result of accounts ( # XXXX and XXXX ) being charged-off in XXXX. XXXX XXXX  XXXX  responded with what I take as a stall tactic, not acknowledging the request for the 1099-C, stating that the investigation has been completed. I was not given what is legally requested/required and no specifics regarding the investigation resolution were given as to how the resolution was determined. I am demanding that XXXX XXXX  XXXX, delete this account from the consumer report as well as forwarding the 1099-C to the address they have on file. 

On XX/XX/XXXX, I also requested that Wells Fargo Bank, provide me with the required ( per IRS rules on Canceled Debts ), 1099-C. Wells Fargo Bank Charged-Off account numbers XXXX and XXXX in XXXX. Wells Fargo Bank has not responded to my request. For both creditors, I agreed to pay the past due amount that would re establish my account into good standing, with no reply being given.
Product: Checking or savings account

My credit card/Checking account were both hacked checking account was left at {$0.00} & a cash advance was made from my credit card they refuse to recoup my money they keep saying they reached out to the other bank which the transfer was made to but obviously they wont get nothing back because the hackers already took the money they pulled from my accounts it's very disappointing after being with Wells Fargo for 21 years I'm still being treated as if I am lying or I'm the one who committed the hack on purpose. police report was made but it appears its non effective nothing has been resolved.
Product: Student loan

I have a substantial amount of student debt, upwards of XXXX in Federal loans and another XXXX in Private student loans through wells fargo. I called Wells fargo and explained my situation and the fact I only make XXXX a year.. so essentialy the amount they are asking for me to pay monthly would cause a hardship for me and not allow me to save any money in case of an emergency or move up in life IE. Buy a house, have a family. After Wells Fargo had me submit all of my paperwork for the hardhsip they recently contacted me that I was not approved for the hardship request and that I would have to continue to make the payments they demand. Wells fargo is soo unwilling to help students like myself who feel trapped by the burden of having such large payments due on a month to month basis. I essentially feel enslaved by this. Please help me lower my student payments at least to the levels of federal loans where the payment is more manageable. Also the high interest rates on Wells fargo loans are upwards of 10 percent which only causes a never ending cycle of debt for student like myself. It makes me wish I could return my degree given that I am not currently working in the field I studied. Please help!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

When I checked my credit record, I just discovered a billing problem. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. Below is the list of the disputed accounts that I need immediate investigation : XXXX XXXX XXXX XXXX Balance Owed : {$8900.00} XXXX XXXX XXXX Balance Owed : {$24000.00} UXXXX XXXX XXXX Balance Owed : {$28000.00} XXXX XXXX XXXX Balance Owed : {$0.00}. Under the provisions of the Fair Credit Reporting Act, I am submitting this CFPB Complaint to request that the disputed accounts I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file.