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

Im just mailing you to let you know, respectfully, that you are incorrectly reporting some information on my credit report. Im pretty frustrating to be honest, but I know that mistakes happen. I trust youll fix the situation. Heres the wrong info : 1. XXXX  Account Number : XXXX THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME
Product: Debt collection

Jefferson Capital Systems has reported collection information on my consumer reports as unpaid. I have never entered into a contract with Jefferson Capital Systems and I have/had no business with them. I have no debt with them, yet they have contacted me via email and have ignored my responses to said emails. 

The only email they sent me was sent on XX/XX/XXXX. 
On XX/XX/XXXX I disputed the account electronically as per one of the instructed methods in the email that was sent to me but they never responded. 

They have failed to provide me with proof of required information that I requested about the debt and proceeded to add this derogatory account to my consumer report anyway after not responding.
Product: Student loan

I XXXX with my XXXX degree in XX/XX/XXXX. I 've had to defer my loans a couple times due to financial hardships. But for the most part, I 've paid steadily for 14+ years on my original debt of {$37000.00}. In XXXX, I went to graduate school which stopped my loans for 2 years, while adding about {$27000.00} in student loan debt. I 've paid on them from XX/XX/XXXX to now, deferring once when I moved overseas for work. At the time of graduation in XX/XX/XXXX, I consolidated all my loans into XXXX : XXXX and XXXX school at a 4.5 % interest rate. I recently checked up on my loans. According to my provider, I 'll be paying on them till XX/XX/XXXX. The amount I will pay according to their time frame from XX/XX/XXXX to XX/XX/XXXX, will be an additional {$73000.00}. My question is : " What happened to all the money I 've paid on the loans? If my crude calculations are correct I will have been paying on my loans for 30 years at the tune of nearly {$200000.00} on XXXX loans for {$64000.00}. Is this correct? Or when my loan company sold my loan to another provider last year, something seriously got messed up? I 'm overseas still for work, and spending hours on the phone in the middle of the night does n't sound like fun to me. Especially, if this is legit and I should n't be complaining. Thanks!!
Product: Mortgage

Our house closed/recorded escrow on XX/XX/2018 On XX/XX/2018 I called to check status on our Escrow refund from Freedom Mortgage. 
I was told the check was cut on XX/XX/XXXX. Freedom Mortgage said they will void check and send a new check. I was to receive it in 10 days. On XX/XX/XXXX I called again because I had not received the escrow refund check in the amount of {$1100.00}. I was told by XXXX ID # XXXX that the request on XX/XX/XXXX was not done correctly so the ticket was closed. XXXX said he would expedite a check and would email me a copy of the original check dated XX/XX/XXXX. 
On XXXX I was told by Supervisor ID # XXXX - XXXX that another check was cut on XX/XX/XXXX and that I should receive it by XX/XX/XXXX. I asked for his manager and was transferred to Manager ID # XXXX. She stated that all prior tickets were done incorrectly so there was never another check sent to me. She also stated that Freedom Mortgage does not provide copies of checks to customers, that I was incorrectly told that I would receive a copy. She said that I would receive the check by XXXX and that after I receive the check to call back to get check and batch numbers of previous check ( s ). I asked for a tracking number for the latest check being sent and Freedom Mortgage said they can't/do n't provide tracking numbers.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal request for a re-investigation of the account listed below. The previous item was claimed to have been accurate or verified. This is inaccurate and need to be corrected immediately. Equifax must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item as unverified information without providing any proof within the period allowed by law. The item needs to investigate and correct for erroneous reporting in my file and is listed on my credit report XXXX XXXX BANK XXXX XXXX
Product: Student loan

.25 % discount was removed and additional fees added. 

student went back to school ... collection of loan payments were halted by servicing agent. 

student stopped attending school ... collection of loan payments resumed without the inclusion of the agreed upon .25 % discount! 

servicing agent erroneously claims that payments were from a " bill pay '' service rather than through " ACH '' payments ... thus ... the justification for stopping the discount. 

we were never notified about losing the .25 % discount. 

our bank records show no " bill pay '' account ... just the original " ACH '' payments.
Product: Debt collection

I have an unverified account from MRS BPO LLC. I had previously disputed this account. I have never done business with MRS BPO LLC. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that MRS BPO LLC provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that MRS BPO LLC Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Product: Credit reporting or other personal consumer reports

PLEASE BLOCK AND REMOVE Please take swift action to eliminate the fraudulent inquiries from my credit report, as they were not authorized by me and are causing me considerable distress. I did not give consent for or initiate these accounts, and it is unjust for me to be accountable for them. Kindly address this matter promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

This letter is in response a letter dated XX/XX/2018 from XXXX XXXX   XXXX, XXXX claiming I owe them {$700.00}. 

The company failed to provide me with any evidence that I have a legally binding contractual obligation to pay XXXX XXXX XXXXXXXX, XXXX this amount.
Product: Checking or savings account

Hello, I have information that may help your case. I read an article by XXXX XXXX " Banking While XXXX ''. I too was discriminated against while trying to cash a check at Wells Fargo. I think this incident may establish a pattern of XXXX and/or an environment of XXXX XXXX check cashing policies and procedures. I have an XXXX in XXXX and a XXXX in XXXX XXXX ( XXXX, XXXX ). I interned with XXXX as a XXXX XXXX. All of my checks were direct deposited into my Wells Fargo checking account except for the last one. At the time XXXX 's payroll checks were drawn on a Wells Fargo account. I went to the Wells Fargo branch on XXXX XXXX and XXXX XXXX in XXXX, CA to cash my check. I was on my way to the gym so I was wearing sweat pants and t-shirt ( apparently I need to wear a suit and tie when cashing my check ). Everything went fine as I was attempting to cash my check, the bank teller was very kind and polite. He informed me that he needed to obtain approval from his supervisor because of the size of the check. His supervisor, a young Caucasian women, looked at me in disbelief and proceeded to give me the fifth degree line of questioning. She asked if I worked for XXXX twice, if it was a real check, what I did for them ( she didn't believe that I was a XXXX XXXX - I am XXXX and XXXX American and apparently XXXX would never hire someone of my XXXX background ), where I went to school at, what I majored in, she even asked if I was a janitor, etc. I have never been treated like that while I was trying to cash my own check or any check by that matter. To this day I am still infuriated by that experience. I almost dropped out of school because of that experience ( I thought what good is a degree if I can't even cash a check from my employer ). When I went to cash my check I had the XXXX envelope addressed to my house, I had an account with Wells Fargo, I had a valid driver 's license, the check from XXXX was issued by Wells Fargo. It was unbelievable. If she would have bothered to look at my account history she would have seen six direct deposits from XXXX into my account. Eventually, after about 10 minutes of questioning, she went and got the bank manager who took one look at my account and cashed my check and apologized. I tried to file a complaint with Wells Fargo corporate office, but I was basically given the run around. I don't know if XXXX still banks with Wells Fargo but I know they wouldn't be too pleased to learn that they are doing business with an organization that supports these practices. I would be more than happy to testify in this case or support this case in any way that you think would further Mr. XXXX 's cause. Please feel free to contact me if you have any questions. 


Thank You, XXXX XXXX XXXX XXXX Date of occurrence : XXXX Check 1 : {$1400.00} Check 2 : {$430.00} Tried to pursue recourse with Wells Fargo complaint department. No action was taken by the offending company.
Product: Mortgage

I ALREADY FILED A COMPLAINT!!!!!!! YES, you do have my correct social security number, I've verified this about a dozen times with your staff. I CAN'T BELIEVE THAT WAS THE RESPONSE TO MY COMPLAINT. I will continue to file complaints over and over and over until you fix the problem. 

YOU HAVE MY CORRECT SOCIAL SECURITY NUMBER. THANKS FOR COMPLETELY NOT RESOLVING THIS SITUATION. 
I've been told that because I have a trust, a trust does not have it's own social security number. I am the trustee, and I am using my CORRECT social security number as verified about XXXX times by your employees, who then scratch their head in confusion. 

What is wrong with you? As a national company, you have no other customers with trusts? How do you deal with them? Do the same thing with me. Why are we going back and forth, that was the most thoughtless answer you could've possibly given. Should I file a complaint with the attorney general?
Product: Checking or savings account

I opened my account on XX/XX/year> due to a mailing advertising with a promo code. 
The offer was {$320.00} bonus with direct deposit of {$1000.00} of more under 90 days. 
I set up 7 direct deposits for a total of {$2100.00} under 90 days. 120 days after opened the account, i still did not get pay. I called yesterday 2 times and today 2 times. Today i talked with higher team.
Product: Credit card or prepaid card

Tried on several occasions to resolve these accounts that were fraudulently opened and do not belong to me. I have sent validation letters and have received no proofs, original contracts, or signatures stating I am legally responsible and liable for the debts associated with these accounts that were opened fraudulently and illegally. 

Again, I have made several attempts to contest the validity of this information and this has yet to be resolved. 

My next step is legal action if these fraudulent accounts are not removed from my credit profile within 15 days.
Product: Mortgage

In regards to CFPB Complaint # XXXX : Seneca Mortgage Servicing LLC claimed that they " ... previously responded to [ me ] regarding [ my ] complaint on XXXX/XXXX/15. We have attached a copy of that response for [ my ] reference. " This is a false statement, as evidenced by the XXXX mailing label which they provided as proof, dated XXXX/XXXX/2015, clearly showing that they did not in fact previously respond to me regarding my complaint. In fact the copy of the response that they reference which they attached to their CFPB response was the first time I had seen it. 

This just goes to show that Seneca is at best, incompetent, but I suspect there is something more going on here and implore you to open up an investigation of Seneca Mortgage Servicing for possible predatory mortgage servicing practices.
Product: Credit reporting or other personal consumer reports

Hello my name is XXXX XXXX XXXX. I noticed there are a few problems on my personal credit report on XX/XX/XXXX. 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. 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. '' Please correct the spelling on my name to : XXXX XXXX XXXX I should only have XXXX address : XXXX XXXX  XXXX XXXX XXXX Nc XXXX Account name : XXXX XXXX XXXX When the account was opened : XX/XX/XXXX Account number : Account balance : XXXX Account name : XXXX BANK XXXX When the account was opened : XX/XX/XXXX Account balance : {$1500.00} Account name : XXXX XXXX XXXX When the account was opened : Account balance : {$420.00} Account name : XXXX XXXX XXXX When the account was opened : XX/XX/XXXX Account balance : XXXX Account name : XXXX XXXX XXXX when the account was opened : XXXX XXXX Account balance : {$300.00} Account name : XXXX XXXX XXXX When the account was opened : XXXX XXXX Account balance : {$1000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past year i have been contacting XXXX about XXXX accounts they continue to report in my credit history that do not belong to me. Whenever i call i am transferred to another department but no one answers i am forced to leave a message, i never get a call back. I have been dealing with this like i said for about a year-its very frustrating. XXXX File Number XXXX
Product: Credit reporting, credit repair services, 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. XXXX Account 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.
Product: Debt collection

They are trying to collect a debt from someone I do n't know. They just keep calling and calling. After several months you would think they would stop calling my number, but nope.
Product: Debt collection

I received a letter from : Professional Credit Services : XXXX XXXX XXXX XXXX Oregon XXXX. Today : XXXX XXXX. Ph # XXXX. Account # XXXX. Addressed to me : XXXX XXXX XXXX XXXX XXXX XXXX Oregon XXXX. The bill was from XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX Oregon XXXX. I called XXXX XXXX they had no record of me. XXXX XXXX medicine. I called Professional Credit no record of me. But they have on file a XXXX XXXX, billing date of : XXXX. A court date of collection XXXX. I want re-inbursment times 3, for faults billing plus liability against me and to be restraining order to never contact me in anyway, to exspung this bill from all records.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am writing to update / correct my personal information on file with your company. Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. Below are negative account / accounts impacting my credit. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Discovery of the Issue : On XX/XX/, I was alarmed to discover an unexpected derogatory mark on my credit report, reported by Vance and Huffman LLC. The report showed an open balance of {$2300.00}, with XXXX XXXX listed as the original creditor. 

Nature of the Disputed Debt : This debt is entirely unfamiliar to me. I have no knowledge or records of any transactions or agreements with XXXX XXXX or Vance and Huffman LLC. I am confident this debt does not belong to me. 

Immediate Impact on Credit Score : The appearance of this erroneous debt has significantly damaged my credit score. This has been a source of considerable distress, as I have always been meticulous about maintaining good credit. 

Actions Taken by Me : After noticing this error, I immediately reviewed all my financial records and found no evidence supporting this claim. As of now, I have not contacted Vance and Huffman LLC, as I did not want to acknowledge a debt that is not mine, but plan to do so to seek clarification and resolution. 

Lack of Communication from the Collection Agency : To date, I have not received any communication from Vance and Huffman LLC regarding this debt. The lack of outreach from their end has left me without a clear path to dispute or understand this charge. 

Current Status : The derogatory mark remains on my credit report as of the last check on XX/XX/. This has caused undue hardship as it affects my creditworthiness and financial stability. 

I urgently request assistance in resolving this matter. The inaccurate reporting of this debt has unjustly harmed my credit score and financial reputation. I seek help in having this mark removed from my credit report and ensuring that such errors are not repeated in the future.
Product: Credit reporting, credit repair services, or other personal consumer reports

please check the following accounts, which appear on my credit report, without any authorization, do not belong to me Identity Theft XXXX Account Number : XXXX This is not mine. 
Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine.
Product: Checking or savings account

I went in to the branch office in XXXX Tx on the XX/XX/XXXX after finding out that my debit card was suspended and I could not log into my online bank account due to being locked out. The XXXX was about to look up my account and show me that there was multiple unauthorized transactions that were made on XX/XX/XXXX, XXXX, and XXXX. These transactions were made in New York in multiple cities while I was at work. The XXXX reached out the claims and fraud department to notify them about the suspicious activities. They stated that they would credit me the money temporarily until the investigation was done. I called a week later to find out where they were in the investigation because they took back the money out of my account that they had temporarily put in my account. They said they closed my claim case due to no proof that I was not the one who made the transactions. I went in the next day after the phone call and spoke with a representative at the branch office. They got on the phone with claims to see what the problem was. The claims department continued to discuss how there was lack of proof. I came back the next day to the branch office to show them proof that I was at work on XX/XX/XXXX, XXXX, and XXXX so they can fax it to the claims department. After a week of faxing the proof to the claims department they stated that they did not receive anything in the fax. And they are now stating they sent me a XXXX time code to my phone number and since it was sent that I am responsible for the unauthorized transactions. I explained that my phone service was hacked on XX/XX/XXXX XX/XX/XXXX, and XX/XX/XXXX which XXXX was able to verify that I had no access to my phone number on those days. The bank continues to argue with me and give me the run around. I made a police report on XX/XX/XXXX but due to the activities happening in a different state the assigned detective to my case had to forward my case to the correct jurisdiction and has made it very complicated to get more information on the case. I lost a total of {$15000.00} I only received back {$46.00}. I was noticing that someone was trying to reset my password to my online back account prior to this happening I notified the bank XXXX but they just advised me to change my password
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2022 I MAILED LETTERS TO XXXX, XXXX, AND EQUIFAX LETTING THEM KNOW THEY ARE IN VIOLATION OF HIPPA LAWS. I ASKED THEM TO PLEASE PROVIDE ME WITH A WRITTEN CONSENT BEARING MY SIGNTURE, GIVE YOU PERMISSION TO FURNIS THIS INFORMATION TO MY CONSUMER REPORT. THEY HAVE FAILED TO PROVIDE ME WITH ANY INFORMATION ABOUT THESE ACCOUNTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

Your agency has sent a refusal to investigate my credit file, claiming my request Doesnt seem to come from me. PLEASE EXPLAIN WHAT THIS MEANS. You have received my ID, SSN, and LATEST BILL. Is there a law against my getting guidance and/or assistance? This effort from your agency seems biased and concerted since many in our credit group have used this avenue successfully and suddenly you claim an issue. Your agency has a well-known reputation so I sought professional advice in creating a paper trail to document any violations of the FCRA. Additionally, your delays add up to more than 30 days which violates FCRA rules. Please immediately remove the items in question below. 

ACCOUNTS XXXX  XXXX not mine XXXX XXXX XXXX not mine XXXX XXXX not mine COLLECTIONS XXXX XXXX XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX XXXX not mine XXXX XXXX  XXXX XXXX XXXX  XXXX not mine XXXX XXXX XXXX XXXX XXXX XXXX not mine INQUIRIES XXXX  XXXX XX/XX/XXXX unauthorized XXXX  XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX  XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX  XX/XX/XXXX unauthorized XXXX  XXXX XX/XX/XXXX unauthorized XXXX  XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized AS REPORTED, THESE ARE NOT MINE Please sent me dispute results and a complete updated copy of my credit report.