23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Original creditor XXXX XXXX  Address : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX What happened? 
============= They opened an account under my name without verifying the identity and sent the unpaid debt for collection. As a result my credit is ruined. I have never lived in XXXX XXXX, TX. 

SOUTHWEST RECOVERY SERVICES has flagged your account as Collections on XX/XX/2022. 

Source : XXXX XXXX : SOUTHWEST RECOVERY SERVICES Original creditor TXXXX XXXX  Address : XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Phone : ( XXXX ) XXXX Activity : XXXX XXXX XXXX ( Collections ) Balance Date : XX/XX/2022 Balance : {$290.00}
Product: Money transfer, virtual currency, or money service

I have an account with Coinbase that I used to buy XXXX XXXX. I have now sold my XXXX XXXX  and am looking to withdraw my funds. To do this Coinbase have said that I need a verified bank account ( I used a debit card to deposit funds ). I followed the verification process and on XX/XX/XXXX I  deposited the amount of XXXX from my bank account with the requested reference. Coinbase state that payment methods are verified after 2 days. Mine has still not been verified and the Coinbase Support are not responding to my enquiries as to what is going on. Essentially my money is being held hostage. Please help!
Product: Debt collection

I have never given permission to furnish the information to National Credit Adjuster. Investigated accounts that you didnt request to be investigated. The majority of the account information is inaccurate, the open dates and last active dates are never matching on any information originally. Due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and Metro 2 Compliance Standards, I would like to request that this account be removed from my credit report as soon as possible.
Product: Debt collection

On XX/XX/2023 the Consumer sent a Notice via U.S. Certified Mail return receipt request to rescind the security interest agreement that was obtained with deceptive language and forms by the Corporation listed in this complaint. This is a reconfirmation notice to the Corporation of the notice to rescind the security interest agreement. The 20-day process as required pursuant to the CFPB began when the company received the notice last week.
Product: Credit card or prepaid card

I have had the Chase Saphire Reserve Card since XXXX of 2018. I agreed to a {$450.00} annual fee upon signup. This year, it looks like they fraudulently charged a {$550.00} annual fee. 

I called to resolve this, the agent refused to let me speak with a supervisor, citing coronavirus. She said that they sent an email ( they did not ). She claimed that an email is all that is necessary to violate contract and raise the annual fee without notice. She then disconnected the call. 

Furthermore, Chase Saphire airport lounges are closed, travel credits can not be used due to travel restrictions, and most of the card benefits can not be used by anyone. Finally, concierge is unavailable, and customer service is unable to provide support due to being understaffed from the pandemic as my recent call proves. 

This issue can be resolved by refunding the full annual fee ( {$550.00} ) that was charged without notice or authorization.  Otherwise, Chase needs to be sanctioned for this fraud perpetrated on millions of Americans.
Product: Debt collection

I have received notice that a credit card debt collector has my account. This charge was for over {$500.00} on a Amazon account. I tried to verify what was ordered and this debt collection referred me back to Amazon. The Amazon folks told me that the account was written off and there was no records of the transaction. So I called back to the debt collection and they could only give me the Address of the company. It is XXXX XXXX XXXX. XXXX Fl. XXXX. 

I can't imagine what I could have ordered that would cost that amount. 

This charge was XXXX and I am just hearing about it, I think, just because I am retired and a XXXX years old they can take advantage of me. Or the account was taken over by those who do this for a living. 

The debt collection company had the wrong address. I never lived at this address. It isn't even in the same County, as I live in. 

So it is like this. The debt collection company has no record of the transaction or what I was suppose to have purchased. Amazon has closed the account and has no record of this transaction. They want me to pay over XXXX. This is on my Credit Report. it ie funnry It sounds like a scam to me. I am trying to get a Reverse Mortgage and this is keeping from this. 

What can I do about it?
Product: Money transfer, virtual currency, or money service

I used XXXX to wire money to my ex girlfriend {$6200.00} dollars she scam me but the bank will not approved This report as fraud when she literally scammed me she blocked me she stopped receiving phone calls and messages once I send the money In a time lapse of three months
Product: Credit reporting or other personal consumer reports

what I am writing to request an investigation of the following information that appears on my credit report. I have NEVER opened or used the following accounts in the attached pdf form.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent 2 letters challenging the accuracy of this account one on XX/XX/XXXX and the other on XX/XX/XXXX, and yet still no response. I also see in the comments section where there has been no actual investigation conducted this is a violation of my rights. This account has 3 different dates last active XXXX  has XX/XX/XXXX, XXXX  reports XX/XX/XXXX and XXXX  XX/XX/XXXX. How can the creditor have verified the different sets of information? 
You have violated my rights under FCRA with a failure to place this items in dispute and to conduct a proper investigation. I demand it be deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX, FLXXXX ; XXXX XXXX XXXX XXXX, FLXXXX ; XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, FLXXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Debt collection

I do not owe midland credit management any debt nor did I ever receive a letter stating any of m financial information was sold nor did I grant permission for it to be sold. 
this company has threatened me that an attorney will look at my case. also they are trying to get me to pay 3 different debts all at the same TIME. also all 3 letters are saying an attorney is looking at my files. once again I have never received letters from anyone stating that my financial information was sold to midland credit management. Plse assist. 
I also have a spouse on XXXX. this company is like a bully in a school yard. I asked for the original contract that I signed with these companies and was NOT given this. I will NOT negotiate with a company that all they do is threaten me and speak in circles. plse assist thank you so much
Product: Debt collection

Not only is the debt collector calling me 2-3 times a day but they also called my BOYFRIEND trying to collect this debt and called him my spouse he gave them no information. They also have not mailed me anything that shows my debt or the explanation. They have called my boyfriend multiple times at his number of XXXX. They also call me every single day multiple times a day.
Product: Credit reporting or other personal consumer reports

This loan was associated with a XXXX XXXX XXXX purchased from XXXX XXXX XXXX XXXX located in XXXXXXXX XXXX  around XXXX XXXX XXXXXX/XX/XXXX. However, the vehicle never arrived. I never had possession of the vehicle. The vehicle is financed through Navy Federal Credit Union. I never got insurance on the car because I never saw it in person. On XX/XX/XXXX, NFCU sent me a letter confirming that I am not responsible for this loan. Despite this information, the account is still being reported on my credit file, which is causing significant damage to my credit standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dates are XX/XX/2022 and XX/XX/2022 BMW reported lates on my credit report however the information is incorrect. I have contacted BMW Financial services on multiple times in XX/XX/2022, XX/XX/2022, XX/XX/2022, and XX/XX/2022, and to no avail I received no assistance in removing both errors of 30 day lates that do not belong to me that is a blatant error and i have asked their Customer Service to remove however am still waiting. BMW stated that the late is not supposed to be reporting 15 U.S. Code? 1692d-Harassment and abuseAdebtcollector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of adebt. ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. You harming my reputation which is a violation.15 U.S. Code? 1692e-False or misleading representationsAdebtcollector may not use any false, deceptive, or misleading representation or means in connection with the collection of anydebt. ( 2 ) The false representation of ( A ) the character, amount, or legal status of anydebt. This debt is reporting falsely.15 U.S. Code? 1692f-Unfair practices
Product: Debt collection

I spoke with a representative that stated that I could pay the debt less than the full amount. He stated that the debt would not be deleted and it would show paid. He instructed me to file a dispute with the credit reporting agencies and state that it was paid then the collection would be removed. I set the arrangement and made the payment. I waited until the debt showed paid on my credit report then I did as he stated. I filed disputes with the the CRA 's. Well I received responses back from the credit bureaus stating that what was reported was accurate and it could not be removed. I am highly upset that a rep from that company would tell me to follow those steps to not see a removal. I feel that they rep falsified information just so I could make the payment. I think he knew that the CRA 's would not remove it from my report. Can you please help me?
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX 
Account number : XXXX XXXX XXXX - XX/XX/year>
Product: Checking or savings account

XX/XX/XXXX a check was debited from my account for {$15.00}. Looking at the check image it shows the name of the account holder and the account number to be different from mine. I called XXXX on XX/XX/XXXX and informed they made a mistake and I would get a credit within XXXX hours. 


XXXX went by and still no credit, called back and told it would take XXXX business hours now and there is nothing they can do about it. 

Money was fraudulently withdrawn from my account by a bank employee and now they're giving me the runaround on getting it resolved.
Product: Debt collection

Someone opened an account with USAA and took out a loan in my name or with my name co-signed. I have no knowledge of this account. I have attempted to resolve the issue multiple times with USAA. I have sent the FTC Identity theft report to the USAA mailing address, only to have the letter returned, saying not deliverable as addressed. The address is listed online as follows : Contact USAA Federal Savings Bank XXXX XXXX XXXX XXXX XXXX, TX XXXX By Mail Only. 

I called USAA once more on XX/XX/21 and spoke with XXXX, employee # XXXX. I was told to hold and then someone hung up, dropping the call.
Product: Credit reporting or other personal consumer reports

My wallet, including my banking cards, Driver 's license, and social security card, were stolen. The individual has made unauthorized purchases and loan inquiries at Mountain American CR UN. 

I have filed a police report with the XXXX of XXXX and the XXXX of XXXX. 

XXXXPD- XXXX. 

XXXXPD- XXXX
Product: Debt collection

I advised numerous times for this company to discontinue collection attempts and to delete and remove accounts from my credit report.
Product: Debt collection

I am writing to formally request the removal of fraudulent activities associated with my identity from my credit file. These unauthorized transactions have been erroneously linked to my credit history, adversely affecting my financial standing and personal reputation. 

Upon discovering the fraudulent activities, I took immediate steps to address the issue and mitigate its impact. However, despite my efforts, the unauthorized transactions continue to tarnish my credit report, posing a significant obstacle to my financial stability and peace of mind. 

I kindly request your assistance in expediting the removal of these erroneous entries from my credit file. This action is crucial to restoring my financial integrity and ensuring that I am not unjustly penalized for activities that I did not authorize or participate in. 

I understand that rectifying this matter may require cooperation between your company and the credit bureaus. Therefore, I urge you to take swift and decisive action to resolve this issue and provide me with confirmation once the erroneous entries have been successfully removed from my credit report. 

Your prompt attention to this matter is greatly appreciated. Please feel free to contact me at XXXX or XXXX if you require any further information or assistance. 

Thank you for your cooperation and understanding. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

All of the auto requests on my report have been falsely applied for on my credit reports. There are many. There are also credit cards. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have a complaint against " Paramount Recovery ''. This shows as as two separate {$3100.00} collection accounts on my credit report due to something called " XXXX XXXX ''. It shows that this account was opened on XX/XX/XXXX. I haven't had any services related to anesthesia since XXXX and have never received a copy of an invoice, or even what the bill is for. I have attempted to dispute this, with no luck so far. 

Opening a collection against someone while failing to provide an invoice, or having any other contact for an apparent half-decade old medical bill is against consumer rights.
Product: Mortgage

I closed on my house around XX/XX/2020. During the closing i was made to signed documents which states that my Mortgage was going to be {$1900.00} Monthly. And i have been making that payment for two years now. Just this month, my Mortgage has been increased from {$1900.00} to {$3500.00}. I called the mortgage company to find out why such a huge increase in my mortgage. and i was to that i have been under paying my escrow. They told me that my Mortgage was supposed to be {$2500.00} at the closing but not {$1900.00} i have been paying for the past two years. which i know is not my mistake for making under payment. I want to know what i can do because i can't afford the new payment of the {$3500.00}.
Product: Credit reporting

I asked the credit agency to dispute the information that is on my account because it is inaccurate. They did what they call an investigation and said the information was to remain on my credit report. I do n't believe a investigation was done and I sent this information certified mail which got me to get no result. I have looked over the information from the credit agency and it is wrong on many levels which I have highlighted in my documents.
Product: Mortgage

In XX/XX/XXXX I called Lakeview Loan Care asking to remove insurance from my escrow account and provided via fax Evidence of Insurance paid by me. I received verbal confirmation that this is taken care of. Appears it was not. I received via mail Annual Escrow Account Statement dated XX/XX/XXXX. I called Lakeview to clarify the Escrow ( taxes & Insurance ) monthly monthly amount that in the statement listed {$270.00}. Appears that includes insurance that I a been paying for 2 years myself and Lakeview receives the EOI from insurance company. 
XXXX tax amount was {$1700.00} XXXX should be charged $ XXXX instead of {$270.00} XXXX. Principal and interest is fixed {$1100.00} Seems that overcharge is $ XXXX for no one was able to explain why and/or for what. 
Current monthly payment was XXXX. Eff XXXX Escrow on the Disclosure Statement {$300.00}, new monthly payment : {$1400.00}. XXXX taxes {$2400.00} XXXX $ XXXX XXXX, which seems overcharge is going to be {$100.00} The customer service is horrible after half an hour on hold I was told that the " request will be expedited ''. The person was so unqualified to answer any questions so after continuous request was transferred to another person to another 30+ min on hold. I was told they the Lakeview loan servicing haven't received request to remove Insurance and taxes in XXXX of XXXX. I can not make anyone to take notes or process the requests. If the CSR confirms that it is done- I continue to make payments for insurance and appears continue to be charged for it for almost 2 year. The CSR promised that the request has been submitted and there is no one to talk to in the Escrow Department. I requested to receive confirmation via e-mail that the request was submitted again- have not received anything of course. 

To my opinion Lakeview LoanCare is overcharging not only me : it could just one case, however I tend to think that it's a pattern. Customers, that choisen or were forced to have Escrow accounts know that property taxes and insurance every year increase and not having time or ability to figure out. However that id the financial institution can not add 3 columns I see it as a huge problem. The overcharge thousands a year without getting caught. When get caught " will expedite '' not been able to provide any figures how much overcharged and for what : property taxes or insurance, or both. 
Someone should look and audit Lakeview LoanCare activity. 

Regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

After thoroughly reviewing my TransUnion credit report, I was alarmed to discover multiple errors that should never have been there. These are not minor mistakes ; they are actively damaging my financial reputation and creating unnecessary obstacles. I will not allow misinformation to dictate my creditworthiness and demand an immediate and thorough investigation. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. If these disputed items can not be substantiated with solid evidence, they must be removed immediately. This is not a mere requestit is a demand for compliance with federal law, and I expect a prompt resolution. 

Company Name : XXXX  XXXX  - Account # : XXXX - Balance : {$210.00} Company Name : XXXX XXXX - Account # : XXXX - Balance : {$630.00}
Product: Debt collection

Received a call from XXXX XXXXXXXX XXXX on XX/XX/2022 about a XXXX  telephone bill previously serviced by convergent. Prior to this contact I have not received any written notice nor a right to dispute. I explained that I would like to settle the debt as we had been with convergent contingent to them providing us with a pay for delete letter once the amount has been paid in full. XXXX XXXX XXXX explained that this was not possible for since they did not report the account on my credit report, they can not remove it. The situation this poses is that how can a company, convergent, still report my account as delinquent if they no longer own the debt? If such is the case this now erroneous reporting should be removed to allow me to settle the debt with the existing servicer. I need the bad debt from convergent removed from my credit report as we also did not give them written notice to furnish any data on my report, we also want to settle the debt amicably with the new servicer to prevent any negative data being shown on my credit report.
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 U.S.C 1681. Has Violated my rights. XXXX. Account Name : XXXX XXXX / Account number # XXXX XXXX. Account Name : XXXX XXXX XXXX Account number # XXXX XXXX. Account Name XXXX XXXX XXXX XXXX Account Number # XXXX XXXX. Account Name : XXXX XXXX / Account Number # XXXX XXXX. Account Name : XXXX XXXX XXXX XXXX Account Number : # XXXX XXXX. Account Name : XXXX Account Number : # XXXX XXXX. Account Name : XXXX XXXX XXXX XXXX Account Number : # XXXX Has Violated my rights. XXXX5 U.S.C 1681 Section 602 A. States I have a 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 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.