23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Identity stolen on XX/XX/XXXX Multiple at least 5 credit inquires to experian XXXX XXXX and XXXX Multiple cards attempted to be opened with the above XXXX XXXX successfully created a XXXX XXXX XXXXt XXXX  on XX/XX/XXXX, but I detected it and was able to cancel the account XXXX XXXX XXXX card attempt XX/XX/XXXX card attempt identified as fraudulent XXXX XXXX XXXX XXXX attempt XX/XX/XXXX identified as fraudulent US postal service on XX/XX/XXXX entity tried to forward my mail to a different address All credit union agencies notified accounts frozen and fraud alert placed The criminals created an experience account in my name ( providing their own email and address ) prior to XX/XX/XXXX and were able to unfreeze experian on XX/XX/XXXX until I reached experian and permanently froze the account
Product: Credit reporting or other personal consumer reports

I paid the amount 4 days before the late day. I have had car for almost a year no lates. I know to most company 's that's not a big issue but to me it's not good.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of the accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

I've refinanced my VA mortgage. The old lender, MidAmerica Mortgage, has been paid in full, and there is a surplus Escrow amount of {$2000.00}. The loan was paid in full on XX/XX/2020, and this, along with the Escrow surplus is indicated on the website. 

I've contacted MidAmerica mortgage multiple times ( 3 calls to  their Customer Service Center, @ XXXX XXXX XXXX regarding the status of the Escrow refund, the fact I haven't received the refund check via US Mail, and the fact that the refund is due no more than 30 days after the loan has been fully paid. 

I've been given 3 different stories ... each alleging they have processed the refund as far back XX/XX/2020, in one case, in another case, I've been notified I was to receive the check by XX/XX/XXXX, and finally, during the 3rd call, I was notified it should arrive by XX/XX/XXXX. Today is XX/XX/XXXX, and I've now been told they don't know why I haven't received my refund check. 

Their failure to release the funds is clearly a substantied violation of CFPB guidelines, and I'd ask enforcement procedures commence.
Product: Debt collection

Ive received multiple bills from XXXX XXXX XXXX XXXX XXXX addressed to XXXX XXXX with a balance owed. Ive lived in California since XX/XX/year> and my name is not XXXX nor do I know anyone named XXXX XXXX. I called this medical center from their number online and they said they have no record of the invoice or person/amount due and that this is a fraud. It has been going on for months and I received a recent notification from a debt collector claiming that XXXX owes the same amount. These notifications are harassment and I am concerned that my identity may have been compromised.
Product: Debt collection

This company had bought a debt from a different creditor. Which is a result of identity theft. I havent given written permission or consent to contract with this company NPAS with this alleged debt.
Product: Debt collection

Good Day, I have mailed the Jefferson Capital Systems a debt verification and dispute letter and received no response. 


XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm Very Upset About this situation that I'm Dealing with Identity Theft someone is using my personal information without my consent
Product: Debt collection

I opened a XXXX account with 3 phone numbers. Unbeknownst to me, a fourth number was added to the account. ( I learned later that the XXXX agent made additional commission from this added number ). I closed the account after a year and half, in person, paid the amount that I was informed was owed and left. Collection notices began several weeks later. I returned to the XXXX branch and discovered that they had not closed the account completely, but left the fourth, unused number active. when I informed them that not only did I not request a fourth number, that I had no knowledge of a fourth number and one could see that the fourth number had never been used, they assured me they would " take care of it ''. Collection notices continued and I attempted to explain but to no avail. I received this collection notice for {$160.00} today. 
The reason I never saw the fourth number was that the bills were on autopay.
Product: Credit reporting

I have filed a dispute with Equifax & XXXX that the Tax Lien on my credit report is incorrect due to a fraud committed by an unknown individual. IRS already corrected this information, but the Credit Bureaus listed refused to do so. I was told by their Rep. that they search the Clerk Data base & found this information by going to a third Party. This should not happen, and IRS stated they DO NOT give information to Credit Bureaus. I request this be DELETED.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been requesting that you correct my Credit File from reporting erroneous information and yet you have failed to do so. When I checked my credit record, I just discovered a billing problem. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. Below is the list of the disputed accounts. 
XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00}. You claim that these accounts are verified and yet you have not sent me any copies of proof of verification from your investigation which is a clear violation of my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to formally dispute the validity of one collection account listed on my credit report, which were reported by XXXX XXXX ( hereinafter referred to as " the Collection Agency '' ). Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ) as outlined in 15 USC 1692g, I am requesting verification of these alleged debts. 

I have thoroughly reviewed my credit report and do not recognize any of the details or accounts associated with the Collection Agency. 

I hereby request that the Collection Agency provide me with the following documentation within 30 days of receiving this letter, as mandated by 15 USC 1692g : A complete itemized statement of the alleged debt, including all charges, fees, and interest applied to the account. 
Proof of the existence of the debt, such as a signed agreement or contract between myself and the original creditor. 
Documentation showing that the Collection Agency is licensed to collect debts in my state.

Verification of the accuracy of the information reported to the credit bureaus concerning these disputed accounts. 
If the Collection Agency fails to provide the requested information within the specified timeframe, I kindly request that they cease all collection efforts and remove these items from my credit report. Any failure to comply with my request will result in my immediate pursuit of legal remedies available to me under the FDCPA and other applicable laws. 

Please note that I expect all future communications regarding this matter to be in writing, as required by law. Additionally, any attempts to contact me via telephone or any other means, without adhering to the proper validation procedures and providing the requested documentation, will be considered a violation of my rights under the FDCPA.
Product: Checking or savings account

I've Had Two Accounts That Had Fraudulent Activity That Was Not Caused By Me Ive Also Disputed These Charges But My Accounts Were Still Closed Ive Recently Tried To Open A Navy Federal Account And I Was Able To Do So And One Day After I Received A Notification Saying My Account Was Closed Due To My Consumer Report And When I Called The Bank They Told Me My Account Had Been Closed Due To The Consumer Report & Was Instructed To Reach Out To The Consumers Report Agency But As It Stands Now Im Not Able To Open Any Bank Account With Any Financial Institution.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY NAME IS XXXX XXXX XXXX, AND I AM SUBMITTING THIS COMPLAINT WITHOUT ANY INFLUENCE FROM ANY THIRD PARTY OR AGENCY. PLEASE SEE ATTACHED DOCUMENTS AND IDENTIFICATION AS IT CONTAINS MY FULL COMPLAINT AND REQUESTS.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Dear Sir/Madam, Re : Dispute of Credit Report Information and Alleged Non-Compliance under Section 1681O of the Fair Credit Reporting Act I am writing to formally dispute the information listed on my credit report, which I believe is inaccurate and constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically Section 1681O. This section pertains to the responsibility of consumer reporting agencies to maintain accurate and complete information, and I believe there has been a negligent failure to comply with the reporting requirements in my case. Details of the Dispute : Hard Inquiries XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX {$1200.00} XXXXXXXX XXXX {$0.00}
Product: Money transfer, virtual currency, or money service

Hello I was scammed on cash app by someones posing as cash app I never gave them any of my secure information they still had all of my personal information and scammed me for XXXX $ Ive disputed this with cash app gave them all of the info needed they refuse to give me my money.All 3 times they tried to steal my money cash app flagged it as scam if so why was my money still taken. The cash app names where posing as cash app refund dept. The scammer is still texting me trying to scan I have also co ya yes local law enforcement Im really lost as to what to do Im a single parent I was moving the next day they took all I had and to be told I sent it to them? Is there any way this can be covered. Cash app is also a scam platform and they do not care they have not tried to fix it
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Equifax are both reporting a company on my consumer report that is a direct violation to my privacy as a federally protected consumer. 
Direct violation to my HIPPA rights!
Product: Credit reporting, credit repair services, or other personal consumer reports

Five months ago we had a security issue and were advised by our bank to get free fraud monitoring through a credit agency. We signed up with Experian. First my husband ( who is in XXXX health ) and then I started getting e mails telling us that our credit rating was going up or down, and they billed us for the " service ''. {$21.00} a month. 

We do not want this and did not sign up for it. But I can not stop mine. I stopped my husband 's, because he had already given out his social security number to an XXXX hacker so was compromised ( the original issue ), but can not stop mine. 

When I call Experian, they start out by asking me to put in my social security number. I do not do this : I do not know if their telephone service is secure. But there is no way to reach them without the social security number. So I can not stop it. 

So this company ( a public, profit making corporation ) has forced services on us that we do not want, and made it impossible to stop them unless I give out my social security number. Please, what can I do?
Product: Money transfer, virtual currency, or money service

I SOLD COMPUTERS TO SOMEONE AND FUNDS WERE SENT TO ME VIA GIFT XXXX PAYMENT METHOD ON XX/XX/XXXX. ON XX/XX/XXXX, THE BUYER INITIATED A CHARGE BACK VIA HIS FINANCIAL INSTITUTION ( AMEX ) AND THE FUNDS HAVE SINCE BEEN ( AND STILL ARE ) REMOVED FROM MY ACCOUNT. THE TOTAL AMOUNT IS {$17000.00} ON XX/XX/XXXX, THE PERSON WHO INITIATED THE CHARGE BACK LET ME KNOW THAT I IN-FACT HAVE WON THE CHARGE BACK FROM AMEX ( AMEX RULED THE CASE IN MY FAVOR - SEE ATTACHMENT ) I CALLED AMEX ABOUT A WEEK AFTERWARDS AND ASKED IF THEY HAD SENT THOSE FUNDS BACK TO XXXX AND THEY HAD TOLD ME THAT THEY HAD SENT THEM BACK TO XXXX ON THAT SAME DAY XX/XX/XXXX ( HOWEVER THEY REFUSED TO SUBMIT THAT TO ME IN WRITING ) I CALLED XXXX THEREAFTER AND ASKED THEM IF AMEX HAS SENT THEM BACK THE FUNDS YET AND OF COURSE NOT SURPRISINGLY THEY SAID AMEX DID NOT SEND THEM THE FUNDS BACK YET. THEY SAID THEY WOULD SUBMIT THAT TO ME IN WRITING HOWEVER NO EMAIL WAS EVER SENT TO ME. 

I HAVE DONE NOTHING WRONG HOWEVER I AM NEGATIVE {$17000.00} SINCE XX/XX/XXXX WITH NO RESOLUTION IN SIGHT. I HAVE COLLECTION AGENCIES CALLING ME ASKING HOW I PLAN TO GET MY XXXX ACCOUNT BACK TO A POSITIVE BALANCE. I REFUSE TO TRANSFER A SINGLE XXXX OF MY CASH INTO MY ACCOUNT TO RESOLVE THE NEGATIVE BALANCE WHEN I HAVE DONE ABSOLUTELY NOTHING WRONG. I AM ALSO SCARED THAT MY CREDIT SCORE, WHICH I HAVE SPENT YEARS POSITIVELY BUILDING UP, WILL SUFFER DUE TO THIS NONSENSE I DON'T KNOW WHO IS BEING DISHONEST IN THIS SCENARIO. DID AMEX TRULY SEND THE FUNDS TO XXXX, AND IS PAYPAL LYING? OR, DID XXXX TRULY NEVER RECIEVE THE FUNDS, AND IS AMEX LYING? 
ONE OF THESE TWO COMPANIES IS BEING DISTRUTHFUL AND THE END RESULT IS ONE OF THESE TWO COMPANIES NOW HAS A FREE, POSITIVE CASH FLOW OF {$17000.00} AT THE DIRECT EXPENSE OF ME.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX XXXX and XXXX XXXX. I have always made my payments on time. For some reason, I realized that there were late payments on my credit report. As you can see, I have always had a stellar payment record with these companies. I tried contacting the 3 Credit Bureaus with no successful resolution. There was definitely an error on their part. Investigate thoroughly and please update for 100 % accuracy. Below are the following accounts with erroneous information ; XXXX XXXX XXXX XXXXXXXX Balance : {$33000.00} XXXX XXXXXXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I declare under penalty of perjury ( under the laws of the United states, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL ans STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOALTION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX TXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  XXXX Date of inquiry XXXX XX/XX/XXXX XXXX XXXX Date of inquiry XXXX XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid my mortgage in full in XX/XX/XXXX and under XXXX the account still shows open with a {$260000.00} balance it also shows a payment in XX/XX/XXXX from when I opened a dispute through XXXX against Shellpoint but I have not made a payment since the payoff in XX/XX/XXXX. The XXXX XXXX report shows closed with an outstanding balance of {$260000.00}. The XXXX report shows closed with a {$0.00} balance. When I call Shell Point, also operating as New Rez, they confirm that the account was paid in full in XX/XX/XXXX and they have closed the account. I have disputed this through the credit agency and I have also called them and tried to get this resolved to no avail.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX VA XXXX on XX/XX/year> - I do not have an account with this company. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX NC XXXX Phone : XXXX - I do not have an account with XXXX & XXXX
Product: Debt collection

I am a victim of Identity Theft. The account XXXX listed on my consumer credit reports in the amount of {$98.00} is fraudulent and is a result of Identity Theft. This account has no association to me as I never had a XXXX  account and this is a direct result of Identity Theft. Furthermore, Enhanced Resource Centers ( ERC ) has failed to verify the debt and follow the debt collection policies under the Federal Law Fair Debt Collection Practices Act ( FDCPA ). This is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

Under the Fair Credit Reporting Act ( FCRA ) and the Federal Law Fair Debt Collection Practices Act ( FDCPA ), Enhanced Resource Centers ( ERC ), you are required by State and Federal laws to cease all debt collection, and remove this fraudulent account from my consumer credit report. Also enclosed is a copy of the Notice to Furnishers issued by the Federal Trade Commission, which details your responsibilities under the Fair Credit Reporting Act as an information furnisher to CRAs. The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs, and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection.
Product: Debt collection

The issue is twofold. XXXX issue is regarding the urgent care provider XXXX. When visiting their office in XXXX they informed me that I did not owe any additional copayment amount after paying my initial {$40.00} copay. XXXX year later, I received a collection notice from their debt collection agency - Fair Capital XXXX. When calling to resolve the billing issue and to ensure it wasn't a scam, the representative showed that an initial bill was sent in XXXX, however since the mail was not certified, there is no way to track that in fact a letter was sent and received at my address. After confirming that it was not a scam, I paid the outstanding balance on XX/XX/XXXX through the XXXX payment system. On XX/XX/XXXX I received a " XXXX Notice '' from Fair Capital LLC stating that the debt was still outstanding and that they may report me to a credit agency. I called Fair Capital and shared my confirmation number from paying the bills in XXXX and they could see that the payment was in fact made but that XXXX never notified them. 

My complaint against XXXX is that by not keeping and communicating good records on bills and payments, they put their patient 's credit and money at risk. Because their third party debt collection agency threatens a ding on your credit score, some patients might incorrectly pay a balance for a second time when the balance has actually been cleared out. 

My complaint about Fair Capital is that if they were able to look up my payment of the debt, their system should not allow them to send subsequent notices that I have an outstanding balance. It almost seems like both XXXX and Fair Capital are trying to collect additional money that is not owed.
Product: Debt collection

I have been disputing this account since I first received notice from the credit bureaus that it was being reported on my credit report. On XX/XX/XXXX and XX/XX/XXXX I sent letters to Convergent Outsourcing asking that they validate not verify the debt that they are attempting to collect from me and derogatorily reporting on my credit reports. I specifically requested signed contracts or other supporting documentation. No matter what I request ( validation of the debt, proof of amount, or proof they are authorized to collect debt ) they simply respond with a form letter with a pen mark checking off this debt is valid and attaching a copy of a single bill. They are refusing to offer any supporting documents. Convergent Outsourcing is in full violation of the FCRA by failing to verify the account. I've requested I be sent physical proof that the account belonged to me. Instead, they've chosen to just send me a copy of a bill. This is not acceptable. A copy of a bill or a statement of monies due does not constitute verification or validation of debt. FCRA states there must be a tangible contract provided to me upon my request that bears my signature, showing that I am responsible for the account. Without that, there is no contract, no valid claim. If validation can not be established, I respectfully request Convergent Outsourcing remove all active, inaccurate, derogatory reporting from the credit bureaus and cease any efforts to re-report the debt through illegal practices in the future.
Product: Checking or savings account

Making payment via XXXX and found out it was a scam but both XXXX and Chase bank don't want to help reversing payments and tried to push responsibility to each other.