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

Hello, my name is XXXX. I am a victim of Identity theft. I hear about robberies and muggings often, I'd never thought that I'd be the XXXX going through it, unfortunately I was robbed at knifepoint while picking my XXXX XXXX from XXXX and my wallet, purse, phone, and dog was all stolen. In my wallet was my ID and social security card among many of other valuables. I did not get to see my attackers face as they approached me from behind while I was kneeling to clean up my dogs mess after she relieved herself. I noticed this problem XXXX, 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 and i did not make these charges I ask that these items are 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 Commission 's Identity Theft Affidavit. Please delete the items as soon as possible. I reported this to Equifax as well and they have done nothing to help me in accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. in accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. XXXX XXXX XXXX. I have contacted the company, it was removed from my credit report and added back three weeks later, which is against the law! 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years. 15 USC 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 reasonable cause to believe that the information is inaccurate. 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years. 15 USC 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 reasonable cause to believe that the information is inaccurate.
Product: Debt collection

This is not my debt. 
{$700.00} balance. 
Jefferson Capitol System LLC. 
I have called and spoke directly to Jefferson and requested original copies of this debt and was not sent it. 
Ive tried to dispute it on multiple dates : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

This company is incorrectly applying a portion of my mortgage payments to escrow and not crediting me for the full payment to my mortgage. 
As of XX/XX/XXXX my mortgage was current. My monthly mortgage payments are {$1100.00}. 
On XX/XX/XXXX I made a partial payment of {$300.00} toward my XX/XX/XXXX mortgage payment, leaving a balance due of {$890.00}. 
On XX/XX/XXXX I paid the balance of {$890.00}. 
In mid-XXXX  I noticed the company was showing that I still owed {$300.00} for the payment due XX/XX/XXXX. I called to inquire why they were claiming I still owed for XXXX when the payment was made in full. They informed me the {$300.00} payment I made on XX/XX/XXXX was applied to escrow. I told them I did not direct any payment to go to escrow. The agent told me she would submit a request to have the payment taken from escrow and applied to the mortgage payment. 
On XX/XX/XXXX I made a single payment of {$1100.00} for the payment due XX/XX/XXXX. 
The company applied {$300.00} of that payment to XXXX 's mortgage payment and the remaining balance of {$890.00} they applied to escrow, making it look as though I made no payment for XXXX. 
I called 2 more times ( a total of 3 times now ) requesting that they fix their errors. No one can explain why they are applying part of my payments to escrow without crediting me for the payment. No one can give me answers and the problem has not been corrected as of today 's date.
Product: Mortgage

On XXXX XXXX, 2018, I received a call from Carrington Mortgage informing me that my payment for XX/XX/XXXX was not able to be processed. Upon further investigation, it was determined that the payment was not able to be processed because when I entered my baking account information, I accidentally transposed a number. I informed the representative that I was able to make the payment. She informed me that there would be a {$20.00} charge for taking the payment over the phone. I asked her if that fee could be waived and she said that she would have to speak with a supervisor and she put me on hold. When she came back to the line she stated that the supervisor was not willing to wave the fee. I then asked if I could speak to a supervisor. She put me on hold and when she came back to the line she said that she had XXXX ( # XXXX ) on the line. I explained to him that I realized that this was my mistake but asked if he could wave the fee anyway along with the late fee for XX/XX/XXXX. He stated to me that Carrington never reverse fees unless they made the mistake. At this time, I just decided to go ahead and make the payment. XXXX told me that I could not just make my regular payment, I now had to include the late fee. I told him that I only wanted to make my regular payment. He again told me that he would not take my payment unless I included the late fee. I then asked him to let me speak to another supervisor and he refused. I then asked him to transfer me back to customer service so that I could make my payment and he said that my payment would not be accepted. He then told me to have a good day and hung up. I then called back to customer service and I was able to make my regular payment and was given a confirmation number. Also, during the call with the first customer representative I was informed that I had additional fees assessed to my account that I had no knowledge of with the exception of the late fees. The fees are as follows : Property Inspection fees {$100.00}, Late Fees {$370.00}, Appraisal Fee {$440.00} and a Broker Opinion Fee {$400.00}. At one point I had decided to do a " short sale '' but changed my mind. I canceled the sale before the appraisal could be done so I just do n't understand how I could be charged an appraisal fee along with a broker opinion fee.
Product: Credit reporting or other personal consumer reports

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

I bought a car with XXXX XXXX of XXXX, CA in XXXX. I was a victim of a break in due to the hardware issue with XXXX and XXXX models that is currently being exploited by thieves. I am now requesting copies of my car loan because I am having issues with the GAP coverage. I reached out to XXXX XXXX back on XX/XX/XXXX and was told that I had to contact the XXXX, CA Location because XXXX XXXX moved. locations. I contacted XXXX XXXX on XX/XX/XXXX and spoke with XXXX the finance manager who was very rude an unprofessional. He sent my request for a copy of my contract to the wrong internal employee, and then to a person not even affiliated with XXXX, nor my request in any way. I tried to. complain to the general manager XXXX XXXX, the same day XX/XX/XXXX via email to which I have yet to receive a response. 

I have no copy of my contract to be able to check that it is correct, and valid under 15 USC 1631. I was just made aware by XXXX at XXXX XXXX that the XXXX location I bought my car from was closed down and my contract is not easily obtainable. Without proof of said contract, the loan is fraudulent and therefore nulled void
Product: Checking or savings account

In XXXX I made a purchase from XXXX. When I placed the order I realized I used my checking account which ends in XXXX, so I immediately changed it to my capital one credit card which ends in XXXX. Capital one paid funds from my checking account and my credit card to XXXX. I reached out to XXXX and they assured me they only received the money from the account ending in XXXX. So I Disputed this charge with capital one. So long story short after 3 disputes they keep saying they did not find a error. I contacted capital one and they told me the reason why they keep denying it is because I am not emailing them XXXX proof or information. I emailed them 3 times plus I went to a branch in XXXX XXXX on XXXX XXXX. The teller emailed and fax them over the paperwork and they still said they did not receive it from her. Unfortunately I do not have the fax receipt anymore because I thought the situation was handled. When I asked them was there anyone I can talk to in that department they said the department who handles the disputes do no take phone calls. I asked them about their legal department and they stated several times they do not have one. They never referred me to you all.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX ALABAMA XX/XX/XXXX EXPERIAN XXXX XXXX XXXX XXXX, TEXAS XXXX Accounts : XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX, AND XXXX  XXXX XXXX ( OPENED XX/XX/XXXX ) NOTICE TO CEASE AND DESIST Dear Sir/Madam, You are hereby notified to immediately cease communications and reporting on my credit report concerning the collections and the alleged debt associated with the accounts referenced above. This letter serves as a written request pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ). 
I dispute the validity of the debt that you claim I owe and request that you provide verification of the debt, including the original creditor 's name and address, the amount owed, wet ink signature, My fingerprints, Original contract, and proof that you are licensed to collect debts in my state ( if you are a debt collector ). Until such time as you provide verification of the debt, I am exercising my right to cease and desist all collection activities. Please furnish evidence and proof not statements on how you verified the debt. Statements are hearsay in the court of law. Please do not send any statements. I will question the authenticity of any statements sent. 
I demand removal for failure to produce the original contract. It is alleged debt until it can be proven. With no supporting evidence it must come off the report. 
Furthermore, I am requesting that all communication regarding this debt be conducted in writing only. Please do not contact me by phone, email, or any other means except in writing. Any further attempts to collect this debt without providing verification or in violation of the FDCPA will result in legal action being taken against your agency. 
IF YOU OR ANY OTHER AGENT OF YOUR COMPANY ATTEMPTS TO CONTACT ME OR CONTINUE REPORTING THE ALLEGED DEBT, A FORMAL COMPLAINT WILL BE FILED WITH THE FEDERAL TRADE COMMISSION. 
Please move forward with the above request. Failure to complete request I will sue for each violation not limited to but including reporting information without my consent, invading my privacy, and defamation of character under permissible purpose ( 15 usc 1681 ) In closing, please acknowledge receipt of this letter and confirm that you have ceased all collection and reporting activities on this debt. Failure to comply with this request will result in further legal action. 

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

XXXX has placed 4 unauthorized inquiries on to my consumer report and I want them deleted now. According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b in general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. There is no clear proof of any transactions that have been provided to me upon my request from any Creditor.
Product: Checking or savings account

The VA deposits my XXXX money into my northwest bank checking account on the XXXX of every month and Northwest holds my funds for a minimum of 3 days instead of the following day
Product: Credit reporting or other personal consumer reports

I trust this letter finds you well. I am writing to express my deep concern and frustration regarding the unresolved issue of fraudulent items associated with my account. Despite multiple attempts to rectify this situation, the fraudulent items persist, causing significant distress and frustration. I have reported this matter on multiple occasions, Despite your team 's efforts, the issue remains unresolved, and the impact on my financial standing is becoming increasingly severe. I kindly request the following actions be taken urgently : XXXX a comprehensive review and investigation into the origins and nature of the fraudulent activities. Ensure a thorough second attempt to promptly remove all fraudulent items and transactions associated with my account. Improve communication channels to keep me regularly informed about the progress made and the steps being taken to bring about a resolution. Provide a detailed update on the ongoing investigation. Implement additional preventive measures on my account to avoid any future unauthorized access or activities. Given the prolonged inconvenience and the potential impact on my financial well being, I kindly request that you consider appropriate compensation or accommodations for the stress and disruption experienced. I understand the challenges associated with addressing such matters but emphasize the urgency of a swift and effective resolution to restore my confidence in your services. I am asking for your assistance to remove these fraudulent items in my credit file : 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: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXX XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im homeless XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting or other personal consumer reports

Experian working on the same issue 8 times today and closed 6 but there all the SAME ISSUE WHICH IS EXPERIAN NOW HAS STOLEN ALMOST 20 MONTHS OF ON TIME NEVER LATE PAYMENT HISTORY TO XXXX AND REFUSE TO GIVE THEM BACK AS REQUESTED FORWARDED TO F.T.C AND D.O.J
Product: Debt collection

XXXX XXXX - Original Date XX/XX/2014. XXXX XXXX started billing me for a " box '' that was included in my HOA fees back in 2014 for " On Demand '' services that I never ordered. I advised them on XX/XX/2014 that I never ordered this service as the " box '' was located in my guest room which was never used. I was verified by a XXXX Employee that this service was never used and asked that I return that box and they would reissue me a different box that did not have this service. I have the receipt when the box was returned and reissued me a different box that did not have this service. I have copies of bills from XXXX from XXXX, 2014 showing XXXX   due because it took me 6 months to get this resolved with XXXX. 

Now I have a collections on my credit report as of today with a balance of {$57.00}. 

This is totally incorrect and the Open Date showing on my credit report shows Invalid Date. 

This is totally bogus and has caused a great deal of effort to eliminate and yet it comes up again. 

Can someone please try to correct this? 


I tried to call Credit Management LP to rectify this but they wanted too much of my personal information and I have already suffered from Identity Theft in the past and refused to give them the information they were requesting ( i.e. SSN, etc. )
Product: Debt collection

Southwest credit Systems has reported the same collections on my credit file now for the past year. The account does not belong to me. It belongs to my brother. I have disputed this once before and it was removed. Now they have added the collections back on my account a few months later and increased the amount to a higher balance! The account belongs to my brother. I currently have an active phone line with XXXX  and I am not in any debt with them. You can not have a current line with a mobile service company without paying off accounts you have in collections. This account belongs to my older brother and I would like this to be removed immediately. Stop reselling this account that does not belong to me. They also have not been able to provide me with a debt validation letter as well.
Product: Debt collection

I had a medical debt that was paid. They keep calling and harassing me on a daily basis. They call and I do answer and they hang up on me multiple times a day. I asked for proof and they said they dont have to show me. Im getting tired of being harassed.
Product: Checking or savings account

Prevalent DAILY Institutional XXXX discriminatory business practices are continuing to be performed by B of A via it's noted XXXX XXXX business platform!!! I deposited my commission check in the amount of {$11000.00} from my employer XXXX XXXX on XX/XX/20, and the institutional XXXX practice of putting a hold of 2 weeks on a Fortune 500 company payroll check written on another Fortune 500 banking institution ( XXXX ) is  pure XXXX XXXX!!! I have been a banking customer with B of A for 38 years, and this is the kind of customer service treatment that is being provided ... No XXXX way should my funds be held up at all, if I was caucasian this XXXX would NEVER XXXX be taking place!!! This is the 2nd time in 4 months that this Institutional XXXX banking establishment has held up a legitimate banking instrument that I have deposited in their XXXX XXXX institution!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX, NC 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 an account without my written instructions
Product: Credit card or prepaid card

I applied for the Wells Fargo " BILT '' credit card when I was offered XXXX interest charges for the first 6 months of use. I was approved and began using the card with the understanding that I had to use it at least five times each month in order to receive the " rewards points '' generated by my monthly rental payment. The first statement I received showed interest charges added. 

Upon calling Wells Fargo customer service, I was told that I " did not qualify for XXXX interest charges ''. I then protested that no mention was made of this upon my notice of approval. The charges were then reversed, as were subsequent charges. 

I then cancelled the account, but my credit rating was reduced by 30 or 40 points as a result of all this misrepresentation. It seems that Wells Fargo is up to their usual shenanigans once again.
Product: Credit reporting or other personal consumer reports

I called Equifax to have a collection item removed from my credit report since I came to a Pay to Delete agreement with the collection agency. The first 2 representatives I spoke with did not want to help me and informed me that I would have to wait 30 days for a dispute to be finalized then I could submit a request to have the item updated as paid and that they would not remove the item from my report. XXXX XXXX XXXX