23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/2020 I received collection alerts from two major credit bureaus, specifically XXXX  and XXXX, that alleged that I owed a debt to AssetCare , LLC in the amount of {$2100.00}. Prior to my request for this company to verify that this debt is valid, I have never been in contact in any capacity with them nor the company that they allege to represent. 

They originally had 5 days to send me valid information that proved this debt belonged to me but instead they frivolously and unlawfully place this item on my XXXX  and XXXX  credit reports causing embarrassment, damaging my reputation in terms of my profession. 

I reached out to the company on XX/XX/2020 and have yet to hear from them as they have ignored my initial request for them to provide me with very specific and crucial information that will adjudge their misrepresentation.
Product: Debt collection

On XXXX I sent a letter disputing the erroneous account with the creditor LVNV FUNDING LL for the amount {$600.00} stating that the information that they are reporting on my credit report does not belong to me.I 've requested that they send me the information to validate this debt each time I've requested the information I never received it. 

Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), you have 30 days to investigate disputes. If you can not verify the information within the 30 day time period, you must delete all of the disputed accounts from my report. You must now delete the disputed and unverified accounts.
Product: Payday loan, title loan, or personal loan

I receive the loan from XXXX  XXXX  for XXXX and I have made one payment of XXXX on XX/XX/XXXX. I thought the payment would be once a month not once a week, I called and asked how much of my payment went to the principle of the loan and they informed me only XXXX cents each week goes to the principle. I ask how much to pay off the loan then I was informed that it would XXXX plus on XXXX and only XXXX cents applied toward the principle. I understand these loans are high interest loan but at this rate i can never pay this loan off oh the {$140.00} has a term of 52 weeks I needed the money to pay some utilities and but I never expected to be gauged like this. The customer service people are foreign and hard to understand very evasive in answering certain questions.
Product: Debt collection

I received a letter from XXXX XXXX XXXX ( XXXX ) datedXX/XX/XXXX stating that I owe a debt of {$11000.00} to a creditor with which I do not have any debt nor account. I immediately replied with a letter stating that XXXX was mistaken, the debt was not mine, and I requested validation. XXXX responded with a letter dated XX/XX/XXXX and a copy of a barely legible judgement from a court in state in which I have never lived and provided no evidence that the debt belonged to me. The amount due was also increased to {$11000.00}. A search on the Internet reveals that there are many people with forms of my name and approximate  age. This is a case of mistaken identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX XXXX Balance Owed XXXX {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; CAPITAL XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXXXX/XX/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
Product: Checking or savings account

On XX/XX/XXXX I found and filed a claim with WellsFargo for two fraudulent ATM Withdrawals from my debit card on XX/XX/XXXX ( {$200.00} and {$2.00} ATM fee ) and XX/XX/XXXX ( {$100.00} and {$2.00} ATM fee ). The card that was used had never been lost- I had it on my person on both of the days where these fraudulent ATM withdrawals were made. Wellsfargo canceled my card immediately, sent me a new one in the mail and let me know I'd receive the results of my claim via a mailed letter. 

On XX/XX/XXXX I received a letter in the mail from WellsFargo dated XX/XX/XXXX that stated the claim was closed and they " found '' that the transactions were " made by you or someone who had your permission. '' The letter also states : " If you have questions, or would like to take advantage of your right to request copies of available documents we relied upon in making our decision, please call us ... '' I called WellsFargo on XX/XX/XXXX and the staff I spoke with said they have no available documents to share with me, and no information to share about how this claim was investigated. I filed a complaint with WellsFargo over the phone.
Product: Credit reporting or other personal consumer reports

The deletion or blocking of accounts due to a data breach or unauthorized inquiries is governed by FCRA Section 605B ( 15 U.S.C. 1681c-2 ) and FCRA Section 604 ( 15 U.S.C. 1681b ). I am writing to formally dispute the accounts listed on my consumer credit report, which stem from a data breach or fraud. I request concrete evidence bearing my signature or electronic signature. I assert that these actions infringe upon my consumer rights under the Fair Credit Reporting Act Section 605B ( 15 U.S.C. 1681c-2 ) and Fair Credit Reporting Act Section 604 ( 15 U.S.C. 1681b ). It is imperative to note that these actions were initiated without proper validation or original documentation from the reporting companies. 
Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX Employer - XXXX XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX  XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Wilshire Consumer Credit is the holder of my auto title loan. I also learned as I went along in this journey to my dismay that they are also an agressive debt collection agency. I am usually paid up to date for the past year of this loan of about {$5500.00}. But sometimes Im a month behind but I always make an effort to catch up that I always do. Im presently as of XX/XX/2020 a month behind. The virus crisis has not helped the situation as Im unemployed. Im at the mercy of my unemployment check which comes sporadically and not routinely. Im waiting for my unemployment check to catch up. I will not default on this loan, I got this, I dont know what their problems is. 

They relentlessly set their phone dialing machines to endlessly call me and even when I pick up the phone theres no one there on the line to respond. They even call during meetings and in front of my clients for Wilshire not to not see that by doing this they create an environment that is not conducive for their loan customers to earn money to pay for their loans. These people are horrible! They truly are debt collection pigs! Inconsiderate and selfish! 

They will get their XXXX money! They need to be patient, when I get the unemployment check theyll get paid. This is why I gladly pay late charges, thats the cost I pay for the risk they entailed under the circumstances we mutually agreed when I signed for the loan. Thats why I pay a higher interest rate, they knew who they were lending money to! If theyre not willing to put up the risk, then they shouldnt have given me the money!! Ill gladly pay the late charges, unfortunately, the financial industry sees these late charges as strictly punitive, and that has to change with the new realities we face with this economy! Enough!!! XXXX!
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit XXXXeporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account  opened at XXXX XXXX BANK XXXX XXXX XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX BANK on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card or prepaid card

After recently reviewing my credit report, I took notice that the above-mentioned account is currently in Charge Off status. I sincerely would like to take care of this account as soon as possible. 
Due to temporary financial difficulties, I unfortunately got behind on my payments and was unable to meet my obligations. 
However, since then my situation has greatly improved and I am in the position to recompense this debt. 
I am willing to pay AMERICAN EXPRESS 12 payments a month equalling the amount of {$6800.00} provided that the above account is updated on all credit reporting agencies to state : PAID AS AGREED, or completely removed from all creditreporting agencies upon my final payment. 
I am not agreeing to an updated credit report that states this account as : PAID CHARGE OFF or the like, as this will not significantly increase my credit score, nor will it reflect my sincere willingness to restore my good name and hopefully, someday, again do business with your company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to XXXX after finding a fraudulent account from Convergent Outsourcing. They haven't removed it even though I told them about it on XX/XX/2021 and again on XX/XX/2021. I am being harrassed illegaly by Convergent and I want this to stop. This has not only damaged my financial character, but is causing unnecessary XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian credit bureau must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The account needs to investigate and correct erroneous reporting in the file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX Balance : {$870.00}
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX Social Security Number : XXXX Consumer Birthdate : XX/XX/XXXX I am filing this complaint with the CFPB to request, under FCRA 605B ( 15 U.S.C 1681c-2 ), that XXXX, XXXX and TransUnion block the following fraudulent accounts and inquiries resulting from identity theft within XXXX business days of receiving this complaint : Personal credit card account at XXXX opened on XX/XX/XXXX ( Account number : XXXX ) Personal credit card at XXXX  XXXX opened on XX/XX/XXXX ( Account number : XXXX ) Personal credit card at XXXX XXXX opened on XX/XX/XXXX XXXX Account number : XXXX ) XXXX XXXX XXXX XXXXXXXX opened on XX/XX/XXXX ( Account XXXX : XXXX ) Unsecured personal loan at XXXX  opened on XX/XX/XXXX ( Account number : XXXX  ) Credit extension at XXXX XXXX  opened on XX/XX/XXXX Auto loan XXXX XXXX XXXX opened on XX/XX/XXXX ( Account XXXX XXXX XXXX ) Unsecured loan at XXXX opened on XX/XX/XXXX ( Account number : XXXX ) Personal credit card at XXXX XXXX opened on XX/XX/XXXX ( Account number : XXXX ) Cellular account at XXXX opened on XX/XX/XXXX ( Account number : XXXX ) These accounts have led to numerous hard inquiries and fraudulent collections appearing on my XXXX credit report. I have attached a list of these inquiries and a copy of my credit report from TransUnion that highlights the fraudulent items. I do not recognize any of the accounts, collections, or hard inquiries listed, as they were not initiated by me and are a direct result of identity theft. 

I have also included a copy of FTC identity theft complaint number XXXX as evidence that all mentioned accounts are fraudulent.
Product: Checking or savings account

Capital One has been holding onto my money for the past 2 days with no resolution in sight. They waited until XXXX et to send emails saying deposit will be made no later than Friday morning. Its close to XXXX et on friday with no deposits made to my account. The lack of transparency on whats actually going on and subpar customer service that has been provided hasnt been no help. They arent giving in real time updates. This is unacceptable and they cant get away with holding our money especially with the weekend coming up and a holiday on monday.
Product: Payday loan, title loan, or personal loan

I was unable to get onto the site to make my XXXX payment. I called the company and they said they were having problems it should be fixed shortly. I was finally able to get onto the system and when I did, I noticed that the company was incorrectly reporting my payments as late when they were paid before time, almost two weeks ahead of time. What I noticed is that many of the payments showed more of my payment going towards interest when more should have been going towards the principle when the payments are early. I spoke to a representative names XXXX on XX/XX/20 about the issue and asked for an audit of the account and I had not hear back so I decided to call back today. When I called today I spoke to someone named XXXX and she reviewed the notes and read me a note that a manager made that agreed with my assessment of the situation but no resolution! I said I wanted to escalate the issue further she had me on hold but finally said she will have someone call me because everyone was on a call. I would like a thorough audit of my account and a copy of the audit. Because I believe more of my principle would be paid if the division of my payment was correctly posted to my loan repayment. The copies attached are only a sample it does not include all of the payments that are reflected incorrectly!
Product: Mortgage

Completed Trial Mortgage Modification with Bank of America. Informed by Customer Representative additional money would remain in Partial Balance until full payment was transferable as payment. Received call on XXXX XXXX, 2015 from new Customer Representative asking about XXXX payment. Informed her that I would like money transferred from Partial Payment used as XXXX Payment. Customer Representative and I spoke to a couple of people, before we were informed that the money had been applied to Principal. I questioned why this was done after adjustments had been made after Trial period and requested to have money moved back. Heard circular reasons and Customer Representative being on the account as to why it could not be done. Customer Representative said she would speak with her supervisor. Requested she explain my concern, when she was not able to adequately explain my concerns, I requested her Supervisor 's name and number. Left message for Supervisor that was never returned. Customer Representative called on XXXX XXXX for scheduled follow-up. She apologized for prior Customer Representative giving me inaccurate information, but money applied to Principal was not able to be transferred back until XXXX payment was made and she was removed from account.
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 Account Number : XXXX has violated my rights. Or list of inquiries 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

I need to inform you I was the victim of identity theft. I'm disputing the accounts as they were opened without my knowledge, consent or authority. I'm including the FTC report from the site identitytheft.gov. 

Please dispute the accounts. They were opened without my knowledge, authority or consent. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am worn-out of sending dispute letters to Transunion requesting that they correct this mistaken account being stated on my Credit File because they have been doing nothing! This complaint is to follow up my prior protests and letters I submitted on XX/XX/XXXX and to notify them that I am halfway of taking lawful action and litigate Transunion for their headstrong nonfulfillment of the FCRA statute. Only if they took time to update and correct the account on my Credit report, then I may halt filing proceedings against Credit reporting agencies. The account that should be adjusted is : XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance $ XXXX Late Date XX/XX/XXXX
Product: Debt collection

On or around XXXX XXXX i thought the illegal deceptive website XXXX listed itself under a paradim, deceptive fraud pitch that its free or Only {$1.00} for a free report, but after the data was taken, from Me ( idtheftvictim ) _then i was rushed with a ( " you_owe_bill ) XXXX $ but i didnt order, knowingly consent, agree, ,to the Charges or the setup basically, it was XXXX, purported, transunion was the free creditscore/report, then came a last min quick bill, with auto sales fake dealers whom had to give, share, sell my data, social to all or, and each other illegally now, after calling. speaking to XXXX. XXXX then to XXXX badge number # XXXX he solicitated nonstop for my social security number full address, idcredit card number, etc, as first Operator basically after solicitating for all sensitive sacred data, he said '' until u give To confirm the order info ( they falsified order numbers ( XXXX ) of XXXX dollar but that 's Not what they took from my XXXX card {$36.00} &, change overage fees, this company took advantage of me too as XXXX on computer in goodfaith, trying to get credit score.only foreignor. Hispsnics answering.very mean abusive. XXXX California. Lets shut emdown
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 from Amex hard inquiry this is not my account someone opened this up fraudulently please remove from credit report please
Product: Mortgage

The mortgage refused to correct my property tax issues. They kept on stealing my money from the escrow account, commingling my funds, using my money to paid on the accruing interest on the unpaid taxes, my property is scheduled to be sold due to Selene Finance 's gross negligence. Every month my money went into my escrow and yet they took the money and used as their own and never paid, I ask the regulator to investigate. As you can see, most recent mortgage statement, they used {$36.00} from my escrow account to pay " City Property Tax '' when this is in fact the penalty. 

1098 was issued incorrectly and they refused to rectify, it says I have no loan no interest paid in XXXX XXXX lied to me that 1098 would not be issued, then they decided to issue an incorrect IRS form and try to XXXX me over with an audit with IRS I emailed XXXX, XXXX, and XXXX, the special loan advisors but they acted indifferent about my matter and only feel like responding my emails when they feel like it.
Product: Vehicle loan or lease

Hello, On XX/XX/XXXX a auto deduct in the amount of XXXX was withdrawn from my XXXX checking account by citizens one auto loan. At the time i was in the process of moving and among all the hectic planning i forgot auto pay was set up and called on the XXXX of XXXX and submitted a debit payment to citizens one auto in the amount of XXXX. After realizing what i had done, in XXXX i called my bank XXXX key bank ) and they reversed the debit payment from XX/XX/XXXX and the funds went back into my account. XX/XX/XXXX the payment for XXXX was automatically deducted and i was all caught up. Or at least i thought. In XXXX i got a phone call saying that my account was a month behind. XX/XX/19 i faxed over 36 pages from XX/XX/19 to XX/XX/19 of ongoing bank transactions showing all my payments are up to date and they have yet to correct this error. I have called multiple times only to get their response that their " research team '' is still reviewing it. My main concern is the impact this will have on my credit score. I thought that the bank statements were pretty black and white but i guess not. I would greatly appreciate any help you can provide.