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

This is my multiple endeavor to notify you that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. Again, the accounts I am disputing do not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. Please remove all these accounts in my credit file that resulted from alleged identity theft. 
XXXX XXXX XXXX  XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$2200.00}, XXXX XXXX Balance : {$2400.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$10000.00}, XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$290.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

i have tried to fix this issues, it still has not been fixed by Equifax there is still XXXX inquiries on my credit report, this issues has not been. resolved i check my credit every day, i have a XXXX XXXX XXXX XXXX XXXX on my report the date of that inquiry is XXXX/XXXX/2020 i dont recognize, please remove all XXXX inquiries they still show on my report, this problem needs to resolved i found these inquiries today d still showing, so pleasse update my report after taking these inquiries off my report, DO NOT PUT NO FRAUD ALERT ON MY REPORT WITH OUT MY EXPRESS permission, I WILL continue FILE COMPLAINTS UNTIL THIS ISSUE IS RESOLVED AND FIXED BY EQUIFAX, i will attach the screen shots to show there still on my credit report.
Product: Credit reporting or other personal consumer reports

I am extremely frustrated to see an unauthorized inquiry on my credit report this morning. I have no idea why its there, as everything was fine the last time I checked. I refreshed my browser multiple times, hoping it was just a glitch, but it wasnt. I urgently request that the documents Ive sent be reviewed carefully to resolve this issue immediately and restore my peace of mind.
Product: Debt collection

I have contacted Nationwide Recovery Service on XXXX/XXXX/16, XXXX/XXXX/16, XXXX/XXXX/16 formally requesting that they validate the account that they have listed under my social security number which they are reporting to the credit agency with documents bearing my signature showing that I have a legally binding contractual obligation to pay the alleged amount. Yet they have failed me in their non-compliance of the federal laws under the Fair Debt Collections Practices Act. They continue to send me bills with another patients name and information and have failed to validate their claims.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXXXXXX XXXX, XXXX  XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$8600.00} ; XXXX  XXXX XXXX Balance : {$4000.00} ; XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$920.00} ; XXXX XXXX ( Original Creditor : XXXX ) XXXX XXXX : {$230.00}.
Product: Credit reporting or other personal consumer reports

Hi, my name is XXXX XXXX. I sent a letter concerning erroneous and unknown things on my credit score record. To this present day, over 30 days later, I actually have no longer obtained a response yet. I sense like Im being taken advantaged of and being unnoticed. Section XXXX ( a ), It states that failure to research these objects inside 30 days offers a purpose to straight away remove those items from my credit report. Its been over 30 days so they have to be deleted directly.
Product: Debt collection

Two years after a supposed debt i applied for, I was notified that I owe XXXXXXXX XXXX for a loan I know nothing about .. the company was Prosper XXXX then sold to XXXX XXXXXXXX XXXX XXXX Now it is owned by another company... I checked my bank statements from that day and ever received any money into my account. I do not remember trying to request XXXXXXXX XXXX online... it did show on my credit report when buying a home but I was able to work around It. I am now taking steps to order a sieze and desist to cancel debt as well as a police report for any potential fraud.
Product: Checking or savings account

On XX/XX/2018 a purchase was made on XXXX using my debit card for {$350.00} dollars. I did not make this purchase, so immediately I go to my local bank and cancel my card. Then, I message the seller on XXXX telling them I did not make this purchase, I have cancelled my card, and please do not ship this product out. To my dismay there are several bogus messages to the seller prior to the purchase. Yet I never got a response back from the seller. When I went to my local Arvest Bank they assured me these kind of scam happen often, to file a dispute and in a few weeks I would get my money back. A few weeks after the " purchase '', I got a large envelope from the seller with nothing in it. I report this to my bank. Within this time frame they refund me the {$350.00} dollars. Thinking this situation was all over I throw the package away. Later, I get a statement in the mail saying my dispute was denied and the money would be taken back out of my account. I currently did not have an entire {$350.00} dollars in my account, as I am a XXXX XXXX XXXX XXXX XXXX   with XXXX children. This certainly put me in a lot of financial distress, because my monthly budget is very limited and when they took this money out my account went into a negative balance. I contact Arvest Bank again and file another dispute. As well as contacting XXXX, and XXXX, who flag the transaction as suspicious activity. However, they inform me that it is my institutions responsibility to contact the seller, and solve the issue. After three disputes being denied with the reason being " customer had possession of card '', I have become completely frustrated. Today, on the rare chance that I had a day off from school I decided to tackle the problem and hopefully get it officially resolved so I can start using my bank account again. The Arvest representative tells me my account was closed yesterday, due to insufficient funds! These insufficient funds are due to this money being taken back out! I ask to speak to manager and the manager advises me that once an account is closed there is nothing they can do about it. Mind you I have given Arvest bank all my emails to the seller, from XXXX  stating there is suspicious activity, and been in communication with them about the situation since the fraudulent transaction. Since the account was closed yesterday, they now tell me there is nothing they can do. Never have I filed any bank disputes, why is this process of disputing fraudulent charges so stressful? I thought the purpose of your bank is to protect your money? Arvest bank has failed at this and been incredibly unhelpful, and do not seem to care about finding a solution to this problem. How is it I am expected to pay them {$350.00} I did not spend, after trying to prove to them over and over that this was fraud? Would you pay back {$350.00} dollars you did not spend? I am highly disappointed with the way this bank conducts business.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX, XXXX, XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXXXXXX Balance : {$1000.00}, XXXXXXXX XXXX
Product: Mortgage

I have a mortgage with KeyBank. I had to re-finance my home and now my mortgage is underwater in the amount of {$64000.00}. I have been told I am not eligble for a HAMP motification because KeyBank does not participate in this program. At this point, If I go through a short sale or deed in leiu- I will still be liable for this money. I am XXXX years old and feel trapped.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I mailed in a request to all 3 credit reporting agencies ( XXXX, TransUnion and XXXX ) for a copy of my consumer report, consumer credit score, and an Opt-Out. I received a report from TransUnion and XXXX, and a score from XXXX, but have not received any report from XXXX or any of the other items I had asked for. 
On XX/XX/year> I mailed a dispute to all 3 credit reporting agencies regarding items on my report that I did not recognize and wanted more information on. 
I did not receive a response to this request. 
On XX/XX/year> I mailed another dispute to all 3 credit reporting agencies again requesting an investigation into items on my report that I did not recognize and again did not receive any response whatsoever.

I am not sure what the credit reporting agencies are doing, but they are definitely not responding to any of my concerns. And I think I read somewhere that the credit reporting agencies are supposed to respond to a dispute in 30 days or something like that but I haven't received a response to some of my concerns for almost 4 months.
Product: Debt collection

Portfolio Recovery Associates accepted payment, in the amount less than owed, in exchange for not reporting negatively on my credit. They told me it could take up to 30 days, but possibly sooner. I asked could it be sooner and was told its possible call us back after it posts. 

Here we are a week after I paid, but I am getting new updates from XXXX that they did not remove the balance but I only updated it. Extending the time they can sue and or report negatively. 

When I called and asked about a department leader to speak to, I was put on hold at XXXX in an attempt to get me to hang up. 

After almost 20 minutes, I got a new operator. Who didnt seem to know what I was talking about at all. 

I only paid to get them to leave me alone. If they arent going to leave me alone. I dont pay a collector to collect. 

How can they take my money, update the money owed, but not remove the debt which l I only paid to remove it. 

Why would I pay to retriever further payment obligations on an expiring debt? 

Exactly. 

The contract was for removal by XX/XX/XXXX. An agent of the company told me that when accepting payment. Now, agents 2 and 3, spoke to today, are stating the earlier they will even contact the credit bureau is XX/XX/XXXX. 

I paid to have it removed by XX/XX/XXXX. If portfolio cant do that, they need to give me my money back or I will just go to the bank, Monday morning, and cancel the payment and never pay them at all. 

Its yall choice. XX/XX/XXXX Im calling XXXX XXXX and never calling, answering, or attempting to pay again. Then, they hung up in my face, while I was writing this, on hold.
Product: Payday loan, title loan, or personal loan

XX/XX/XXXX of 2014 from EZ payday loan. I never took out a loan with them in 2014. I wasn't even living in the place that say I was living at.
Product: Checking or savings account

After being a member with Wells Fargo for 29 years, I left for personal reasons due to marriage issues. I Never experienced an issue with Wells Fargo in those years! 

After a couple of years, attempted to open an account with Wells Fargo, a Savings account that would eventually create a checking account. I attempted this in the XXXX XXXX XXXX center due to my family having a long standing relationship with the bank and home prior to marriage, where my mother 's home address is located. 

The account was closed for no reason. 

I then paid a visit to the XXXX CA branch to inquire about the reason for this action. She called support and the call was given to me to address at the branch. I was informed the account had gone to the XXXX XXXX office and no other information was provided. The account was for a whapping {$300.00} dollars! 

I do not know why this is happening and request a good standing with the bank as I will not accept any negative remarks on my Banking " record '' for no reason!
Product: Debt collection

Discover credit Card XXXX is calling my job about a credit card in my sons name. my son contacted discover and told them someone got a hold of his credit card and to close his account. at the time he had only two cards one XXXX XXXX and one discover. XXXX  closed his account investigated and concluded charges were not made by my son. my son has not applied for nor does he have any credit cards after this incident he said he never wants anymore credit cards he got the cards to help pay for his school books. discover has found my information and repeatedly calls my job. i have told them seveal times it it not my card and do not call my job, they continue to do so. the number they are calling from is a number you can not call back the number is XXXX they call my job every day evern saturday and sunday and its now become harrassment and i want it to stop and they will not stop.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I noticed a hard inquiry added to my list of inquiries on XXXX XXXX that I did not do. I called the credit bureau ( Chase Bank ) in regards to this. They were able to inform me that my social security number was stolen and that someone had applied for a credit card but the application was denied. An incorrect address was also added to the application for the credit card. I would like to dispute this inquiry sincerely. Thank you.
Product: Debt collection

I moved out of the apartment unit due to damages and flooding throughout the entire building caused by Hurricane Irma. The association allowed tenants to move out without any penalty however, they want to charge me for moving out of my unit. I am not liable for the damages caused by the storm and should not be penalized for breaking my lease agreement just like all the other tenants due to unlivable conditions. These charges are not fair and are damaging my credit report.
Product: Credit reporting or other personal consumer reports

Account continues to be reported as having a monthly payment history, even though it should not be due to its late and/or charged off status. This constitutes a direct breach of the Fair Credit Reporting Act ( FCRA ) as it inaccurately influences the statute of limitations. It is illegal to submit data without permission and it should be removed. I have requested removal previously and haven't received any resolution.
Product: Debt collection

My name is XXXX XXXX, XXXX : XXXX. My account number was XXXX. On XXXX XXXX, XXXX I went to Chase Bank in XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX ) to close my account. I decided to get the amount in cash since it was not a lot of money. I had exactly XXXX on my account and I got XXXX in cash. I am attaching the copy of the withdrawal where you can see the amount stated as above. 

I got notified on in XXXX that they were trying to collect XXXX XXXX I went to the location in XXXX XXXX and tried to understand what was going on. I was told by the interim manager of the branch that the lady at the counter who attended us made a mistake and entered {$5700.00} instead of {$5100.00} on the computer system which implied that I she had given me XXXX extra. 

After talking to her for a while she mentioned that the branch officer confused the 1 with the 7. As you can see on the check where there is a 1 and a 7 those have a totally different pattern so that is hard to believe. I told her that I still have the amount in cash ( since I simply left it in the envelope and left it home in a drawer ) and the amount was {$5100.00}. I do n't not know where those XXXX $ went but I just do n't have them. If I had them trust me I would be returning them because of all the hassle this is creating. 

On XXXX XXXX I received a letter saying that I owed {$600.00}. Following the advice of my lawyer I send out a letter that I am attaching where I expose the violation of the Fair Debt Collection Practices Act. The bank tried to accrue fees/interest beyond what it is allowed. 

I just hope this situation will be solved soon because I do n't believe I did anything wrong. I am not the person who took those {$600.00} and therefor I do not owe that amount. 

Please remove the unjustified debt from my report as soon as possible.
Product: Credit card or prepaid card

I booked a trip via the American Express XXXX XXXX ( Trip ID : XXXX ). One of the benefits of the program is that they will price match the lowest rate of another travel website. I found a rate that is almost {$800.00} cheaper than the one that I booked with American Express. When I go tot he website to submit my lowest rate guarantee claim, I am continue to receive errors. After being on the phone with AMEX XXXX for over an hour last night I was told someone would contact me today about it. When I received a call this morning from a supervisor they stated that there is nothing that they can do unless I submit the form online. Multiple days have now passed and the form continues to error out online and there is no possible way to submit the form. This is verging on fraud and without a resolution I will be asking my state 's Attorney General to begin a criminal investigation into the matter.
Product: Student loan

Hello, I made a complaint before, but was misunderstood. Navient has been servicing my federal loans until XX/XX/XXXX, and then transferred to ED. I consolidated all my loans ( XXXX XXXX, XXXX XXXX, etc ) back in XX/XX/XXXXwhile it was under service by Navient. Navient left out 7 loans from XX/XX/XXXX & XX/XX/XXXXfrom the consolidation and never offered to add this loans back into one consolidated loan even though they were eligible. I am left with a balance of {$120000.00} because Navient failed to consolidate and gave me inaccurate and incomplete information regarding all the loans that were under their service.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted a dispute to XXXX. In this dispute, I asked XXXX to remove Portfolio Recovery Account Number Ending in XXXX because the information was inaccurate. My dispute stated the date of first delinquency was incorrect and that the account was reporting past its statue of limitation for credit reporting. Portfolio Recovery is reporting a time-barred account. On XX/XX/XXXX XXXX responded to my complaint stating the information had been verified as correct. XXXX did NOT conduct a reasonable investigation and the investigation result details clearly show that. In the XXXX response I received, XXXX is reporting the date of first delinquency being XX/XX/XXXX. They are also reporting that the account was opened on XX/XX/XXXX. There is no way possible for an account to be delinquent before its even opened. For XXXX to show this in their investigation results displays they have not conducted an investigation and didnt bother reviewing the information. This is willful non-compliance and also a violation of my rights under the FCRA. This account needs to be deleted immediately. Ive attached the investigation results in this complaint, highlighting the issues mentioned above.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These Companies has violated my rights under law 15 USC 1666b no law stating any transaction must be reported without my Privacy and consent.
Product: Mortgage

I applied for assistance roughly XX/XX/XXXX or XXXX by submitting a Repayment Plan request via fax. The application was received and a letter was sent advising me a response would rendered no later than XXXX of XXXX. I called weekly for updates, including on the the a response was due. Ive called 4 times since, weekly and still no response. The cycle was closed with no denial and reopened as if I closed or reopened the request for assistance. I spoke with a gentleman in XXXX who denied me a request for a supervisor and disconnected the call on me. This company is horrible. Poor communication. XXXX was helpful attempting but she also didn't understand why or what was going on. I now see why files that are sold to other 3rd parties transferring from Selene have unresolved Loss Mitigation efforts. This company need to be internally investigated. I have been trying to resolve since my loan my transferred from XXXX XXXX.
Product: Debt collection

Got behind due to cover Not working try Working out Put money i. Saving the took it paid with a debit card they automatically took another pay ment Now closed all my accounts except the one I am paying on No warning nothing
Product: Student loan

Discover Student Loans Sent payment via certified mail XX/XX/22 to pay off the amount of XXXX after calling to confirm full amount due same day- talked to XXXX XXXX Now being charged XXXX for accrued interest in the 5 day period despite payment being sent and received XX/XX/22, applied to account XX/XX/22. When checked the interest rate, it is 9.59 % so interest would be considerably less than the amount still owed. I plan to pay it in full but still would like a refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
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 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

Your escrow analysis was performed on XX/XX/XXXX. At this analysis, you have a surplus of {$120.00}. 
New Monthly Payment XXXX STARTING ON XX/XX/XXXX PRINCIPAL & INTEREST XXXX ESCROW XXXX County Tax XXXX COUNTY Parcel : XXXX Annual Amount : {$9700.00} Next Installment Due : XXXX XXXX, XXXX Hazard Insurance Policy : XXXX Annual Amount : {$2900.00} Next Installment Due : XXXX. XXXX, XXXX Your escrow analysis was performed on XX/XX/XXXX New Monthly Payment XXXX STARTING ON XX/XX/XXXX SURPLUS AMOUNT XXXX Escrow analysis was performed without taxes and insurance information. 
My first escrow analysis was performed from {$0.00}, that's when I first realized there were problems with this company and have continued to date. 
My mortgage went from XXXX to Mr. Cooper and every since the switch ; there have either been inconsistencies, incompetence or unscrupulous dealings from employees within the company. I have spoken to these so-called escrow specialists and have yet to be convinced they know what they are doing.