23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Aldous and associates P.L.L.C responded, however the response my my debt verification request is not enough verification to prove the debt is mine. The contract Aldous and Associates sent is missing my social security number, and the only identifying information included is my name, an old address, date of birth and the telephone number used is not mine and has never been mine. The contact says Ive joined online. Ive never joined online.
Product: Mortgage

My mortgage has an escrow account, and First Citizens did not use it to pay my home insurance dues. My home insurance company spoke to them on XX/XX/XXXX and XX/XX/XXXX and were told payment would be made through escrow, no problem. The bill and policy were confirmed to be received by first citizens on XX/XX/XXXX. On XX/XX/XXXX my insurance company and my husband called because our payment was past due and our policy was going to be cancelled. Both were told on the phone the check was in the mail overnighted and would arrive ups the next day. No check arrived. I called back four times on the XXXX the day our policy was to cancel and was told the check was never sent and that first citizens had not yet made any attempt to pay the bill. I was denied speaking to a supervisor, waited on hold over three hours between all the calls, and had to demand the bill be paid that day. I was told a check would be mailed by XXXX on the XXXX, which would be after the policy was already canceled. I was then told they could pay by credit card and that the bank would pay the fee. I called back two hours later and was told that the information I was given was a lie, that the credit card fee would be paid by me - for the banks mistake. They entered a request for the fee to be covered by the bank as it was the banks error and I was told I couldnt speak to the department that handles payments and that the representative I was on the phone with also was not willing to call them to get an update or to push for the payment to be made immediately. This was at XXXX on a Friday night, going into a weekend and a week with two bank holidays. No one in the office said Im sorry we will get this fixed immediately. On each call I asked for confirmation that the bill would be paid and was never given it. I called back after close of business in Texas and it still hasnt been paid. I was told Id get a call before XXXX when it was done and never got a call. My insurance company also called first citizens twice on the XXXX and emailed twice. On the phone I was never told Im sorry for our mistake we will get the payment made today. I was only ever told that it was noted that it hadnt been paid. I want my escrow account closed so that I can pay my taxes and insurance as the bank is not responsible enough to do it. I am not willing to let a bank hold my money hostage and allow me to lose my home insurance. Given that this is all the banks error I will not pay any fees to have my escrow account closed.
Product: Money transfer, virtual currency, or money service

Went to Wells Fargo on XXXX XXXX XXXX XXXX, NC on XX/XX/year>. 
Check written on account with Wells Fargo from XXXX. 
Asked for Certified Funds and was informed that XXXX does not allow their checks to be cashed and/or certified, only deposited. 
XXXX did not say nor write in any documents nor on the check itself that it must be deposited. 
I was under the assumption that if you have a check written at that bank they are required to give certified funds, whether for a fee or not. 
I was not aware that as a consumer/business that you can direct how you check is handled. 
Wells Fargo refused to offer certified funds.
Product: Mortgage

Loan originated XX/XX/XXXX Lender failed to pay property taxes for XX/XX/XXXX so I paid them myself and was reimbursed but not before being told they didn't owe to pay my property taxes despite their collecting escrow for it. 
I again paid my own property taxes for XX/XX/XXXX on XX/XX/XXXX sending proof to lender and am now having trouble getting reimbursed by lender who keeps telling me they are going to refund me but do not and refuse to escalate to supervisors. Last customer service rep XXXX told me he had no supervisor contact information on XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

I am a seller on XXXX  selling a XXXX XXXX laptop for {$1000.00} It started with a message from someone claiming to " buy '' the laptop from me. The buyer agreed to cover the shipping ( + {$100.00} ), this totaled to {$1100.00} and I asked to have it paid through PayPal. This is where it things go wrong, because the email contact claims to be PayPal, has a domain " XXXX ''. But I didn't realize it until I paid {$850.00} of Gift Cards to the buyer in order to " authorize payment ''. However, that didn't end because the last email I got asked me to pay {$1000.00} for their ridiculous 'insurance '. This is where I know they definitely crossed the line. The damage has been done and I submitted complaints to my bank, FTC ( and you also ). The liability totaled to {$2000.00} ; I want my laptop back and the {$850.00} that was mistakenly paid.
Product: Mortgage

I applied for a loan modification and the Mortgage company denied my request stating I had sufficient income. I had to withdraw money from my XXXX incurring penalties so I can make my payments. They sent me an appraisal report showing that I 'm under water on my property but have not offered me a better solution. Back in XXXX when I was having financial diffuculties paying I asked for assistance and instead they forced me into foreclosure and bankrupcty. I have just gotten out of bankrupcty and am looking for a modification and they are not willing to work with me, which I do n't understand why.
Product: Credit reporting, credit repair services, or other personal consumer reports

someone use my identity to get medial attention also open several accounts using my personal info with out my knowledge I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRA. On XX/XX/2020, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The numerous inaccuracies related to ( XXXX Account Number : XXXX ) are highly injurious to my credit score. 

It has been over 30 days, the agencies report inconsistent information from the sole provider and the agencies have not reported changes, updates and findings clearly to CFPB via the consumer portal. 

In accordance with the Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your re-investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third time contacting you about a IDENTITY THEFT issue that was not handled. 
I am a Victim of Identity Theft FROM YOUR DATA BREACH. My claim number is XXXX. 
There is information that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. 

I am requesting that the reporting of this information be, PERMANENTLY DELETED FROM MY CREDIT REPORT. These Fraudulent-inquiries, accounts and addresses. 

XXXX XXXX XXXX I also have never worked at XXXX XXXX XXXX nor XXXX XXXX XXXX  have I worked at XXXX XXXX XXXX I work at XXXX XXXX. 

I HAVE BEEN TRYING TO DELETE THIS ADDRESS AND YOU ALL WONT LET ME DUE TO THEM BEING CONNECTED TO FRAUDULENT ACCOUNTS THAT WAS OPENED. *** AND PLEASE MAKE SURE THAT MY CREDIT REPORT IS NOT FROZEN OR LOCKED. I HAVE BEEN TRYING TO PULL MY CREDIT SCORE FROM DIFFERENT PLACES THAT OFFER IT FOR FREE BUT COULD NOT. PLEASE DO NOT PLACE AN ALRET ON MY CREDIT REPORT I WILL KEEP AN EYE ON IT.

By law part of my Compensation approves, Four years of specially negotiated, three-bureau credit monitoring and identity protection services through Experian and an additional six years of one-bureau credit monitoring and identity protection services through XXXX XXXX The Experian monitoring has a comparable retail value of {$24.00} per month and has a number of features that are typically not available in free credit monitoring services offered to the public. ( App. XXXX, XXXX ). The one-bureau credit monitoring shall be provided separately by XXXX and not paid for from the settlement. 
A copy of my credit report and The ADDRESSES AND FRAUDULENT ITEMS ARE HIGHLIGHTED on a printed screenshot so theres no confusion about the accounts, addresses & companies that I am disputing. 
DO NOT PLACE A FRAUD ALERT NOR ANY FREEZES ON MY CREDIT REPORT Section 605B of the Fair Credit Reporting Act, which requires you to DELETE the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
Thanks for your help and speedy response, XXXX XXXX
Product: Checking or savings account

I wanted to open an account with Bank of America and they said that I had a {$700.00} debt I had to pay before opening an account. I do not recall I had this debt nor do I recognize it.
Product: Credit card or prepaid card

BACK IN 2019 THERE WAS AN ACCOUNT OPENED IN MY NAME WITH NAVY FEDERAL CREDIT UNION. THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION. SINCE IVE NOTICED THE ACCOUNT OPENED IVE WRITTEN LETTERS TO EACH CREDIT BUREAU, IVE CALLED THE CREDIT BUREAUS, IVE WRITTEN LETTERS TO NAVY FEDERAL AND CALLED THE BANK AS WELL. THE ACCOUNT HAS A {$11000.00} BALANCE. THIS IS CREATING SUCH A HARD SHIP ON MY LIFE I DID NOT OPEN THIS ACCOUNT. PLEASE HELP ME
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XX/XX/XXXX To : Transworld Systems Inc XXXX XXXX XXXX XXXX, XXXX  XXXX RE : Cease and Desist Request - Violation of Fair Debt Collection Practices Act Dear Sir/Madam, I am writing to formally request that TransWorld Systems Inc immediately cease and desist all communications with me, in accordance with the provisions of the Fair Debt Collection Practice Act ( FDCPA ) specifically under 15 USC 1692cc. 

1. 15 USC 1692d : Harassment or Abuse I believe that your company 's actions may constitute harassment, or abuse is violation of the FDCPA. under this section, debt collections are prohibited from engaging in conduct that is intended to harass, oppress, or abuse consumer. This includes threats of violence use of obscene language repeated calls after I have requested you to cease contact. If such conduct has occurred. I request immediate cessation. 

2. 15 USC 1692cc : Communication in connection with Debt Collection - Under this provision, I am entitled to request that you cease all communications regarding any debts in question. I am hereby exercising my right to request that you stop contacting me through any means, including but not limited to telephone calls, letters, and emails. As per 1692 cc, your company is required to comply with this request and may only contact if legally obligated to do so under the Act. 

If your company continues to contact me after this notice, it will be considered a violation of federal law. and I will not hesitate to pursue all legal remedies available, including filing complaints with the Federal Trade Commission ( FTC ), and the Illinois Attorney General 's office. Additionally, I may consider pursuing a civil suit for damages caused by thes unlawful actions. 

written confirmation that my request has been processed and that no further communication will take place. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX Last 4 of social security XXXX XX/XX/XXXX
Product: Debt collection

This is NOT my debt and i check all XXXX of my credit reports every year and online several times a month also, and yet, i have not received communication from this creditor XXXX or XXXX for {$500.00}, by phone, by mail or on any of my credit reports EVER, but now it has showed up on my credit report on XXXX XXXX, XXXX, when i checked my reports online. I know my ex husband XXXX XXXX had a XXXX cellular account in XXXX and this was on his Credit Report, which he told me about it in XXXX so how & why is it " all of a sudden '' showing up on my credit report, when it has never belonged to me. Who did this & what can be done to Quickly remove it from my report??
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Debt collection

On credit report, they claim the account was opened on XX/XX/2018 and I owed {$530.00}. I don't owe.
Product: Consumer Loan

We had a loan for a car with Westlake Financial Services The car was in an auto accident and was subsequently paid in full by State XXXX but Westlake reported it as a repo on my credit and we have proof the car was never repossessed as a matter of fact after our insurance company paid off the car they allowed us to retrieve it and we still drive the car to this day.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB complaint to you today to request that you remove the fraudulent accounts and information you report on my Credit file. I previously sent a letter on XX/XX/XXXX requesting you to remove inaccurate personal information, address, and accounts that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days after the ( date of the Previous letter ). Ive already included this in my previous Complaints & I am including it again. Please remove the following items 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 XXXXXX/XX/XXXX. I have read that under the FCRA section 605b, you are required by law to remove any accounts and information that resulted due to identity theft, please do so.
Product: Student loan

I have XXXX private loans where I co signed for my daughter with American Education Services. They continue to misapply our payments as well as report is late to credit bureau. To make matters worst every time we call to resolve the issue the give me a difference payment amount that needs to paid as well as a different amount of days that I 'm past due. For example I called on Thursday XXXX XXXX, 2016. I was told that if I pay {$2200.00}. I 'll be current. I called back Friday, XXXX XXXX, 2016 to confirm amount and was informed that I was told that I 'm 109 days past due and I need XXXX to be current. Today XXXX XXXX, I received an alert on my credit report stating they AES reported me 120 days late. I asked for a copy of my payment history because in XXXX I called and got a similar story so I made the large payment and have been paying monthly since then and they are still claiming I 'm past due. They also informed me that they could not provide me with a copy of my payment history because my loans are now in default. They have gone up on the payment amount from {$500.00} to {$750.00} and now the payments are {$1000.00} a month. They continue to tell methat they are unable to lower payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello on XX/XX/2023 I submitted a dispute into Experian regarding a bankruptcy and how it was reporting on XX/XX/2023 Experian verified the dispute as accurate and verifying correctly I requested a reinvestigation as we know this is a direct violation according to FCRA 15 USC 1681I They are required to provide me with correct accuracy as well as their method of verification. This is affecting me because I am trying to purchase a home and need to move in XXXX days which I can not do because they will not take there time to verify my information but instead send me a generic response I am aware of the E- Oscar system which I know is a stall tactic to in doing a proper investigation like requested please review the documents and proof I have attached to verify the courts do not report to the credit bureau and they obtained this information from XXXX XXXX a third party which got my information from pacer.gov I never consented to this Rule 9037. Privacy Protection For Filings Made with the Court ( a ) Redacted Filings. Unless the court orders otherwise, in an electronic or paper filing made with the court that contains an individual 's social-security number, taxpayer-identification number, or birth date, the name of an individual, other than the debtor, known to be and identified as a minor, or a financial-account number, a party or nonparty making the filing may include only : ( 1 ) the last four digits of the social-security number and taxpayer-identification number ; ( 2 ) the year of the individual 's birth ; ( 3 ) the minor 's initials; and ( 4 ) the last four digits of the financial-account number.

( b ) Exemptions From the Redaction Requirement. The redaction requirement does not apply to the following : ( 1 ) a financial-account number that identifies the property allegedly subject to forfeiture in a forfeiture proceeding ; ( 2 ) the record of an administrative or agency proceeding unless filed with a proof of claim ; ( 3 ) the official record of a state-court proceeding ; ( 4 ) the record of a court or tribunal, if that record was not subject to the redaction requirement when originally filed ; ( 5 ) a filing covered by subdivision ( c ) of this rule; and ( 6 ) a filing that is subject to 110 of the Code.

( c ) Filings Made Under Seal. The court may order that a filing be made under seal without redaction. The court may later unseal the filing or order the entity that made the filing to file a redacted version for the public record.

( d ) Protective Orders. For cause, the court may by order in a case under the Code : ( 1 ) require redaction of additional information; or ( 2 ) limit or prohibit a nonparty 's remote electronic access to a document filed with the court.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, my information was exposed and reported as inaccurate information, Experian failed to investigate. Notice of adverse action on XX/XX/year>, was sent to Experian by reversing the claimant 's credit history from a XXXX score and reducing it to no credit history information in the claimants credit profile. As a consequence of the agency 's negligent act of reducing the claimant 's credit history, the following is a result of the damage provided such as loss of credit opportunities.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, am a XXXX XXXX Veteran who is bound by the laws of this nation as is any other individual. I also expect major corporations such as the credit bureaus to be bound by the same laws such as the ones enacted by the FCRA. It is frustrating and disappointing that I, who did not create these laws, must repeatedly dispute the accuracy of my credit report. I am entitled to that accuracy that all the bureaus claim to report without their ungiven authority to interpret what it means. In this case it clearly states any inaccuracy in your credit report must be removed. It is not fair that all entities involved continue to deny such rights. The inaccurate information that is being disputed at this time is the address associated with the reported bankruptcy is not mine. Again, under the FCRA I am entitled to have this removed. To be more precise I am disputing the bankruptcy on my credit report. Any conflicts or discrepancies due to specifics or lack thereof with the FCRAs law of accuracy should be addressed with the FCRA and not with the consumer. I have discussed this issue with XXXX, XXXX, XXXX XXXX, LexisNexis and XXXX who all have their own take on how they feel these laws should be interpreted and pertain to their organizations.