23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

During the time of XX/XX/XXXX through XX/XX/XXXX, I was XXXX. Prior to being XXXX  some of my belongings were stolen. During that time, there were several transactions made that I did not authorize ranging from money being sent in XXXX XXXX to a scammer, to purchases for XXXX and XXXX. I filed a dispute with my bank on XX/XX/XXXX once I was able to have a phone ( also, my bank is Chime ). The amount of the dispute was {$600.00} ( Claim ID # XXXX ). I was able to submit proof to Chime that I was incarcerated and was not able to even access my phone or debit card to purchase anything ( with my book-in and release report ), and nobody should have been authorized to make these purchases. I was able to receive info from XXXX XXXX about where the transactions originated from and where the funds were being sent to. After submitting this information, my dispute claim was denied. Total cost of money taken was needed for rent, and I don't feel this was investigated properly. I filed my dispute on the XXXX of XXXX, the dispute denial letter says that the dispute was placed on the XXXX of XXXX ; the total time to investigate was XXXX days.
Product: Debt collection

I suspect that your company may be guilty of fraudulently obtaining my personal information which is identity theft ( PLEASE SEE ATTACHED FTC IDENTITY THEFT REPORT, Attorney general complaint and letter for validation )
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously disputed this account # XXXX with XXXX XXXX on ( 2 ) occassions over the last 9 months. I wrote to the creditor on XX/XX/XXXX as soon as I was aware that they were reporting an unknown account on my credit file ( see attachment # 1 copy of my letter ) I received no reply from the creditor therefore, I wrote a second letter on XX/XX/XXXX which is over the 45 days that they are required by law to respond ( see attachement # 2 copy of letter and certificate of mail receipt ) I received a reponse from the creditor on XX/XX/XXXXt where the creditor stated that the account was sold to XXXX XXXX and that is whom I am to contact. I contacted XXXX XXXX who proceed to take of the fraudulent account from my ( 3 ) bureau credit files ( see copy of letter received from  XXXX XXXX ) and had promised to make the ( 3 )  reporting bureaus aware On SXX/XX/XXXX I reviewed my credit files accessed from Trans Union ; XXXX and XXXX ( see attached copy of XXXX and Trans Union credit reports ) and to my suprise I see that XXXX XXXX have resumed reporting this fraudulent account although I have disputed it with the company it was sold to and now it back reporting inaccurately on my credit files. I have been a victim of Identity Theft and pursuant to the FDCPA and FCRA I exercise my rights to full validation of this account which must include a written agreement bearing my signature and identification you used to process and open this account be sent to me via the CFPB portal.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX Balance : {$690.00} ; XXXX  XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX XXXX : {$350.00} ; XXXX XXXX XXXX Balance XXXX {$2600.00} ; XXXX  ( Original Creditor : XXXX XXXX  XXXX ) XXXX Balance : {$3500.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$340.00} ; XXXX  XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed a lot of inquires that werent done by me. Its a defamation of character under law 15 USC1681. I asked for the credit bureau to verify this information they stated they couldnt and I had to reach out to the companies. I reached out to the XXXX  XXXX they stated the same that they couldnt and for me to reach out to the credit bureau to get them removed. Still nothing has been done and this has went on for over a month.
Product: Student loan

I have been locked out of my account with XXXX XXXX ever since XXXX XXXX XXXX switched over from XXXX XXXX. XXXX manages the repayment for my XXXX XXXX XXXX from my XXXX studies at the University XXXX XXXX XXXX. 

Over the summer, XXXX transitioned to a new website and asked users to transfer over their accounts. I followed each step and registered for a new account with XXXX XXXX. I received confirmation that my account was successfully activated on XX/XX/XXXX. However, since then, I have not been able to regain access to my account. I have tried logging in with my new credentials, requesting a password reset link, and registering for a new account entirely ( as customer representatives suggested ). None of it has worked. Customer representatives have insisted that my account is inactive and that it is my responsibility to reactivate it. However, that has simply not been possible and their instructions fly in the face of the email confirming my account activation. I have been locked out for months now and unable to make my loan payments because of this faulty system. If my loans are considered delinquent or my credit has been affected, I must appeal both on the grounds that XXXX XXXX has failed to provide me access to my account despite my repeated attempts to regain access. I would like nothing more than to have access to my account and to repay my balance right away.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, XXXX, Experian, and XXXX the credit reporting agencies, block all information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX  on XX/XX/year>. 

This theft has also resulted in several fraudulent hard inquiries appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned account or hard inquiries as reported. The aforementioned accounts 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 and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a complaint against Spring oaks capital LLC. Ive never done business or have any written agreement with this company. Spring oaks capital LLC is reporting inaccuracies on my credit file. Wrong address, wrong dates that does not match the credit bureaus and is violating 15 USC 1681i5a. This is also aggregated Identity theft which violates 18 USC 1028A. This needs to be removed from my credit file because I am a natural person and a consumer under federal law. I have no obligation of any debt, all debts belong to the United States. You have within 30 days to respond per 15 USC 1681i2 or this law is violated. Spring oaks capital LLC need to respond with my signature of consent to do business with them. That does not exist because this is fraudulent activity. Monetary damage applies per 15 USC 1692k for each law violated.
Product: Credit card or prepaid card

An automatic payment was initiated on my Chase Freedom Card when there were insufficient funds in the account debited. As such, the payment was denied and I then changed my autopay settings to avoid this issue in the future. 2 days later Chase attempted to make this payment again, despite me specifically opting out of full balance autopay. The second attempt was processed and put my checking account into overdraft. After spending hours on the phone with customer service, they have told me that they are unable to reverse the payment and I now have {$5.00} thousand dollars less in my bank account than before. They illegally took money from my savings to pay their card after I had explicitly opted out of the autopay feature and refuse to reverse the transaction. What is the point of extending credit if they pay off their own cards without the cardholder 's permission?
Product: Credit reporting, credit repair services, or other personal consumer reports

I send over to Transunion a copy of FTC identity theft report along with a letter stating that they should block the accounts that were due to identity theft. They refuse to block the information within the four days as they should. I even called them with more information about the identity fraud. They should at least block accounts until they get proof that I received goods or services. This information should have been blocked within 4 buisness days
Product: Mortgage

My servicer/lender has sent me an Escrow Account Disclosure Statement as required and in it they have changed some info that looks to dramatically increase my monthly payment for an inflated shortage that is mainly in the original cushion set in my escrow account. They are not giving me the appropriate credit for XXXX payment in the history and that is the inflation of the cushion only shortage. 
I am on a fixed XXXX income and we have a record of the only yearly payouts from my escrow account. I ca n't afford to bank money with no interest or actual need with them. The original cushion is not needed remain so high and I do n't get any interest for this excess. I understand the RESPA guide they used to set up my account in the beginning but I should n't have to maintain that figure ( {$390.00} ) as it is unreasonable with now knowing the required payouts for a twelve month period. I do n't have a shortage to meet my obligations in my escrow even with small changes ( ex. {$75.00} ) in my obligations. There is not a history of large changes of obligations in my previous years escrows for the 10 years in my home. 
I want to point out that I have talked with a supervisor named XXXX with Quicken Loans in the Escrow Department about this and he is not helpful. I have attached 1 photo of the original escrow document in my contract and 3 photos of each page of the new statement. Please see that the taxes are listed and due XXXX XXXX of each year and it shows that in the original document. My County collects both the city and county taxes and do not send out Bills until the end of XXXX after they get the rates established. XXXX confirms they send payment in early XXXX but he claims they take the money from my escrow in XXXX as reflected in item # 2 ( I understand they send bulk payments for many customers, not the issue ). This history shows only 11 months accounting and this is the change from original document. Item # 3 then goes back to the 12 month accounting, showing taxes payout in XXXX. All of this explains the inflated shortage they want to attribute to the cushion due to inconsistent accounting of equal monthly periods. 
I had a previous Harp loan with Quicken and they did n't send me an escrow document after 11 months asking for an increase in mortgage payment for escrow cushion. I have read the Form XXXX ( Missouri single family-XXXX/XXXX uniform instrument with XXXX, section # XXXX ) see 2 additional pictures, which gives information on 'Funds for Escrow Items '. This document discusses shortages in escrow account to meet obligations not shortages in cushion. 
I would like a refund of my escrow fund above a reasonable {$100.00} balance. In past years with previous servicer, I was refunded overages far above a reasonable {$100.00} cushion at the end of the year. I do understand that it is unknown what future insurance premium 's and taxes may be but will cross that bridge at that time. 
Thank you for your assistance in this issue and I look forward to its resolution before the schedule increase takes affect on XXXX XXXX, 2016. 
Sincerely, XXXX XXXX XXXX XXXX XXXX, 2016
Product: Credit card

I was called by " XXXX Fraud Department '' & I was forced to buy gift Cards to " protect my charge cards from unauthorized use by people who compromised my XXXX Account. They told me emphatically that there were unauthorized charges on my XXXX  account and that these people had access to everything in my phone, IP address, bank & credit card details, pictures, etc. and they could compromise my bank and credit card accounts. To protect these things and to protect me from criminal activity and possible jail, I needed to follow their instructions exactly. They told me not to tell anyone about this because they were working with the federal government to find and prosecute these people.They stayed on the phone with me and told me what steps to take all day. To buy {$500.00} gift card on Chase Amazon card as many as I could before being denied access, and to also buy as many as I could on my XXXX XXXX card. When I discovered this was a scam I refused further calls from them. I immediately called XXXX XXXX to report threatening me to buy gift cards and they reversed the charges for the 5 gift cards charged to their card. Chase Amazon card refused to reverse my {$500.00} charge even after speaking to 8 people about it, even that I had a police report, who definitely agreed that I was a victim of a financial crime. They stated that I made the face to face purchases and they could not reverse it. These people also forced me to withdraw {$4500.00} from my XXXX XXXX checking account to put into a Bitcoin " government wallet '' to protect most of my checking account money from being compromised. This complaint is about Chase refusing to reverse the {$500.00} chg. XXXX XXXX is investigating this forced {$4500.00} withdrawal to see if it can be reversed as I have a police report.
Product: Consumer Loan

This loan was an unsecured " XXXX XXXX XXXX '' that was originated through XXXX. It was then serviced by XXXX XXXX from XX/XX/XXXX - XX/XX/XXXX. The loan was then sold a few times. In the midst of the moving of the loan, payments were marked missed that were actually simply misdirected. However, the BIGGEST problem is the fact that Ocwen Loan Service is listing this installment loan on our credit report as a mortgage loan- which it is not. This has prevented us from being able to get refinancing on our current home. We have tried everything to get Ocwen to report this correctly, to no avail. Please help!
Product: Vehicle loan or lease

I pay on the auto loan the  XXXX  amount between very end of   XX/XX/XXXX   and beginning of  XX/XX/XXXX . I also sent the document of the list of fees and total loss from the insurance to the Gap coverage. The Gap coverage is only suppose to get   XXXX   of the  XXXX  and the remains balance was for me for the storage fees. They refuse to reburse the 600+ amount back to me. So if I can not get the amount funded back to me, instead my focuse is Gap coverage paying the remainder balance of the loan. I have try to work this out, I have contacted the   XXXX   insurance I have yet to here a response from them. I have done what all I can do. Still I am left without a car because my car was a total lost. I have Gap coverage on the loan but they are making it so hard for me and I am too. The point of fed up.
Product: Debt collection

They stopped for awhile with calling me, so I dont remember dates. Ive had dealings with portfolio recovery before and have asked them to only contact me by phone, in writing as required. Ive informed a few of the people I have spoken to that they shouldnt be contacting me by phone and that if it continues I will file a complaint. The last call I got was from ( XXXX ) XXXX Wednesday XX/XX/XXXX at XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried numerous times to have these incorrect information removed from my credit report. They have ignore my request for over a month now and have yet to send me the information I have requested in regard to the false reporting on my credit report.
Product: Credit reporting or other personal consumer reports

trying to buy a house and realize that I had some damages on my credit report. I have disputed this several times with XXXX, XXXX and XXXX, with no avail. according to the 15 USC 1681 law there should not be any damages on my credit report. XXXX has a Pro collect collections account listed twice with the same account number, but two different amounts with two different open dates. How is that possible? one amount is for {$5600.00} with an open date of XX/XX/XXXX  and the other is for {$1300.00} with an open date of XX/XX/2019. XXXX has only one listed with is {$5600.00} with an open dated of XX/XX/. XXXX does not list the unverified debt at all. This is a violation of the 15 US code 1681i ( 5 ). Removal of inaccurate and unvalidated information. XXXX has deleted these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, a part of experian - membership expired and at the expiration they unlocked my credit without my instruction or permission. 

Amounts to extortion to pay for membership to maintain credit lock. Experian is the one that had a breach of my data. 

Guessing this is happening to thousands of people that received the free service after their breach. 
Remedy ... lock my credit and do not unlock without my permission.
Product: Debt collection

The debt was already resolved before and you guys never provided me with the original agreement with my wet signature as requested. You guy go against the Fair Debt Collection Practices Act
Product: Credit reporting, credit repair services, or other personal consumer reports

All PAYMENTS WERE MADE IN COMPLIANCE WITH THE NEGOTIATED SCHEDULE WILL NEVER MISS A PAYMENT ON THIS LOAN. 15 USC SECTION 1692 ( g ) REQUIRES VALIDATION OF DEBT REQUIRING A DUTY TO RESPOND AND FAILURE TO RESPOND IS EQUATED WITH FRAUD. This was a joint account my wife 's name also on this account XXXX XXXX this also damage her credit file. Experian & XXXX XXXX 15 USC 1681 This Creditor has violated my rights under this law section 602 states I have the right to Privacy Section 604 Section 2 it also states a consumer reportion agency can not furnish an account without my written instructions. Also the creditor has violated 15 U.S. Code 1666 - Correction of billing errors 15 U.S. Code 1666b - Timing of payments -- -- A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax keeps validating a medical collection from XXXX XXXX XXXX in the amount of {$110.00} on my report. Equifax has " verified '' it after each dispute, and i have disputed numerous times. But they have yet to show me how it is my collection, how it belongs to me, etc. I have disputed this account three times. This is not my account, i dont know who it belongs to. The creditor has never reached out to me. It is medical and under {$500.00} and should be removed anyways. They are incorrectly, and knowingly improperly reporting a collection on my credit report.
Product: Credit card

On XX/XX/XXXX, Bank of America issued a letter to my regarding my credit card account. The letter stated that they were canceling my automatic payment series that I had set up for my credit card. The reason stated was that there was an error in their system that allowed me to set up two or more conflicting payment series, and the system had been withdrawing funds from both series. And that on XXXX, Bank of America was cancelling the payment series I had set up in XX/XX/XXXX. 

I did not have two or more payment series set up. Bank of America 's action effectively canceled the only automatic payment series I had set up to pay this bill. I attempted to reach Bank of America via phone call to inquire as to what exactly happened, and why they mistakenly thought there were two payments set up ( and even if there were, why they thought it a good idea to cancel my payments ). I sat on hold for over 30 minutes, and spoke to a representative who stated their Collections department cancelled my payment, but she didn't know why. 

To remedy the situation, I had to take time out of my day to call Bank of America, sit on hold for over 30 minutes, talk to someone for 10 minutes, to only get zero answers. Then I had to also log in to my account to remedy Bank of America 's error. This is an unacceptable and bad-faith attempt on Bank of America 's part to generate late payment fees.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA, XXXX Subject : Dispute of Inaccurate Information on My Credit Report To Whom It May Concern, I am writing to formally dispute inaccurate information that appears on my credit report as prepared by your agency. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i, I am entitled to dispute errors and request an investigation into the accuracy of the information.

The specific item ( s ) I am disputing are as follows : 1. [ Creditors Name or Account Name ] o Account Number : [ Provide account number if available ] o Dispute Reason : [ Briefly explain why the information is incorrect. For example, " This account was paid in full, '' or " I have no knowledge of this account. '' ] I have included copies of supporting documents ( e.g., payment receipts, correspondence, or statements ) that substantiate my claim. Please review these documents and conduct a thorough investigation into this matter.

If the disputed item ( s ) can not be verified or corrected, I respectfully request that it/they be removed from my credit report as required by the FCRA. Additionally, I would like a written confirmation of the results of your investigation and an updated copy of my credit report. 
Below are the inquiries : XXXX XXXXE XXXX  XXXX XXXX XXXX, 2023 XXXX XXXX  XXXX XX/XX/year>2023 Thank you for your prompt attention to this matter. Please feel free to contact me if additional information is required Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint to XXXX was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 

XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXX Balance : $ XXXX XXXX  XXXX XXXX XXXX Balance : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$4200.00}