23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXXXXXX  ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX, Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a XXXX XXXX Account # : XXXX date opened XX/XX/XXXX Bal. {$7100.00}, XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Bal. {$610.00}. Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

In checking information on Equifax 's " XXXX XXXX XXXX '', I discovered and address, XXXX XXXX XXXX XXXX XXXX XXXX FLORIDA XXXX I have never lived at.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company is reporting as a new account for an outdated debt. Collection Company is reporting as derogatory. Company states it is for XXXX. They have marked my debt as 1 year 11 months. I have not had XXXX in over three years and have been a loyal XXXX customer. 

I mailed the company to let them know of the error. Rather than contact me or work together to figure this out, the company falsely added the amount past due. 

Report is missing past due amount, date of last payment, monthly payment, and frequency. 

Please help me get this item removed. I am contesting the time and the vast lack of information, as mentioned above.
Product: Checking or savings account

On XX/XX/year>, I attempted to withdraw {$360.00} from an atm. The machine did not dispense any cash. Machine stated transaction denied and the printed receipt also stated transaction denied. Bank deducted funds from my account and they are ignoring the receipt indicating the transaction was declined.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
U S DEPT OF EDXXXX XXXX XXXX : {$1200.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX  TX XXXX ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023 ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires them to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Checking or savings account

I can Zelle a family / friend thats in my contact list and theyll close my account. Take my funds wont reimburse me.
Product: Debt collection

I had services cancelled as of XX/XX/XXXX. No final bill was provided and a return label was never provided. I had previously requested a return label several times and I never received the return label. I then contacted XXXX again and requested another label. Never received the label again. I contacted XXXX again and advised that I again not received the return label and asked that it be sent to another email address. I was told that they could not update the information and send the return label to another email address. I then received communication from collection agency and immediately contacted XXXX again. I was told that the would send me another return label to a new email address. I again never received the label and was told that I could not return the equipment to the store, but I could pay the final balance of {$38.00} in the store which was the final bill of {$45.00} minus a {$7.00} late fee that was waived. I then received another collection notice from another company stating that the bill was now {$560.00} which included equipment charges of {$450.00} and a one time fee of {$110.00}. I called the collection agency and filed a verbal dispute and immediately called XXXX again on XX/XX/XXXX. I was then told that the account had been closed and transferred to the collection agency and now I can no longer return the equipment and I would have to pay the full balance. I have no contract and nothing in writing stating that there is a timeframe and was told that once the account is closed they can not send return labels to other email addresses even if you dont have access to that email any longer. XXXX provided no other alternatives to be able to return their equipment and is now trying to stick me with a bill for over {$500.00} due to their inconsistent information, lack of customer / business follow through. They failed to provide accurate details/ information, timeframes, guidelines, and did effectively communicate the closing requirements and options to ensure that the account was closed successfully.
Product: Mortgage

50 States wide illigal deeding issuing frauding me and my families documents.

families documents in medical They FRAUDED XXXXXXXX XXXX XXXX XXXXXXXX transcripts and XXXX XXXX XXXX XXXXXXXX transcripts Herds listed as security guard scams against my 1 security guard card Land development ideas inserted my documents as land development ideas and towns XXXX  and as departments and schools and colleges and professors Herds of fraudulent attorneys and lawyers and judges frauding me and my families documents Herds of imposter identification population identification scams frauding me and my families documents in XXXX and in Sec.gov i only had 1 registration thru XXXX ( first was under XXXX then XXXX ) I am divorced out from XXXX XXXX XXXX of XXXX  XXXX In He was a XXXXXXXX XXXX XXXX XXXXXXXX XXXX I won't authorize all 16 Countys wide listed in California to fraud my documents or as subdivisions there wanted for illigal deeding using my Cole documents and as add ons to my information
Product: Debt collection

Arm Solutions has called me and wife and threatened court actions with a paid off judges in their back pocket named XXXX XXXX and XXXX XXXX. They are claiming that I owe money to XXXX XXXX or a company that I have overpaid for work that they did not complete and this fraudulent collections scam is a preemptive attempt to use the system and manipulate it for avoiding money that is owed to me by XXXX XXXX. 


I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience. 

The CFPB will take steps to remove my personal information from this description but someone may still be able to identify me. Learn how it works. I consent to publishing this description after the CFPB has taken these steps.

Inactive modal What would be a fair resolution to this issue?

ARM collections pay the standard {$1500.00} time 4 or {$6000.00} for just a fraction of the calls after company was repeatedly told to stop threatening me and wife with legal action and the ruination of credit for a fabricate and manufactured debt that is done with pre-meditation and preemptively in order to overcome the actual, real, and understated debt owed to me by XXXX XXXX for services paid for that XXXX XXXX did not deliver on.
Product: Mortgage

I have Mortgage account XXXX with the fifth third bank and an escrow account with the bank. After I received the first invoice of the property tax after appraisal, on XXXX XX/XX/XXXX, I chatted with their online representative and I was told to send all documents to the bank 's e-mail address " XXXX ''. I did exactly what the representative said and you can find the chat logs in the attached log file of XXXX ' and the screenshot of the e-mail in the attached png file XXXX  '. Then, on XXXX XX/XX/XXXX, I also received more invoices that they must have been paid by the mortgage 's escrow account. Then, I opened another chat, and again, I tried to communicate with their chat representatives. You can see 2 chat log files ( XXXX and XXXX ) with two of your representatives, then I sent the documents to their e-mail again. Please check XXXX ' in the attachments. However, in the last days of XX/XX/XXXX, I received another invoice from the tax collector, XXXX tax, with a penalty and interest over the first value. As you can see, I followed all their instructions and I sent the document to the correct departments long before the due dates. The bank made me pay the penalty and interest although it was their mistake. I just called them today and they said it is my mistake I have no idea how. I have all the log documents and e-mails. Recently, they also missed the due date of my house insurance which must be paid by my escrow account. If something happened during that time at my house, I would have so much trouble. I am willing to share all the documents with you. I hope you can find a solution. Best regards,
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has not investigated or responded to the following issues on my credit report at all. The creditors have attempted no contact with me resulting from said investigations. Please see items below ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX/XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$6400.00} XXXX XXXX XXXX XXXX {$4000.00} XXXX XXXX XXXX XXXX {$13000.00} XXXX XXXX XXXX XXXX {$3900.00} XXXX XXXX {$3300.00} XXXX XXXX {$810.00} XXXX XXXX {$830.00}
Product: Debt collection

Credit Control , LLC with an address of XXXX XXXX XXXX XXXX XXXX XXXX, MO, XXXX sent a demand letter for a defaulted mortgage, Account # XXXX in the amount of {$4500.00}. 

Principal Contact for the company is XXXX XXXX, ( XXXX ) XXXX. 

All previous debts have been managed under POA with a Debt Consolidation company. All creditors were notified by the company. 

The debt is listed with an Original Creditor named XXXX XXXX  XXXX XXXX, property and casualty, XXXX # XXXX, as a description with License number XXXX sent a demand letter for a defaulted mortgage, Account # XXXX in the amount of {$4500.00}. Debt Collector advised call was recorded but did not identify as a debt collector or provide XXXX XXXX. I advised him I have never owned a home let alone a mortgage. He then began to tell me that it was not about a mortgage but other things. 

Debt collection office has an outstanding Class Action in Florida for deceptive practices and several of these deceptive practices were used. 

Collections was advised I had compliance experience and I would file with the state and Government. Stated did not care. XXXX v. Credit Control , LLC - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 reporting, credit repair services, or other personal consumer reports

Inaccurate criminal information on my credit report. I was denied a place of residence because of this. I never had a felony charge on my record. Im not a felon.
Product: Debt collection

XXXX XXXX with Key to recovery has been calling my employer since XX/XX/2022. I have called and left him a message to cease contacting my work on XX/XX/XXXX and today XX/XX/2022 to send me correspondence through mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm writing to delete the following information in my file. The items I need deleted are listed in the report. I'm a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I'm writing to dispute the fraudulent items from my credit report. These accounts that are listed on my credit profile are charges that I did not make. I reported this to the Federal Trade Commission, and I attached a copy of the affidavit to this complaint. Please be advised that the unverified items remain on my credit report have yet to receive documentation from the original creditors to verify that the information is mine and is correct, which is required by law. Since I have not received any documentation from the original creditors please delete the items as soon as possible.
Product: Mortgage

I have a problem with Ocwen they have done me and my Wife worng like the discharged XXXX of my loan back in XX/XX/XXXXmaking my balance XXXX an saying that my payment to be XXXX after that they sent me a 1099 misc tax form showing that they discharge XXXX i got behind on my payment again 3 months do to go in to the hospital for my XXXX this time they sent me modification and i filled it out this time they made my balance from XXXX to XXXX and made my payment from XXXX to XXXX per month plus instead of a fix rate they made a bloom loan. plus i have to pay the Government XXXX in taxes and XXXX to my state taxes because they discharge that XXXX and i see that CFPB filed charges against Ocwen. if you can help us please do so.
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 : XXXX XXXX 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 Balance : {$0.00} XXXX XXXX Balance : {$1100.00} AXXXX XXXX XXXX XXXX XXXX XXXX  : {$2600.00} XXXX XXXX XXXX  : {$2600.00} XXXX XXXX XXXX  : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Hello, The value of my home has increased substantially since we purchased 2 years ago. A nearly identical home across the street just sold for {$790000.00}. As of right now we owe {$520000.00}. That comes our to an equity value of more than 33 %. 

I contacted Arvest and aksed them to remove the PMI since we have equity far greater than 80 %. They sent a mailed document with directions I needed to follow ( hoops I need to jump through ) including proving where I added value to the home with receipts. I sent them an email 2 weeks ago with the address for the comparable property and told them there is no reason for me to jump through hoops for the removal of what amounts to a junk fee. 

They have not responded to my message. 

I need help getting this taken care of. They are adding well over {$100.00} per month to my mortgage for no reason when I clearly have good enough equity to avoid these fees. 

Thank you, XXXX XXXX
Product: Debt collection

Acima allows identity theft by not doing actual credit checks. They do a soft pull. Anyone with an XXXX dump can easily get an account with this company circumventing credit lock. This tactic looks to be part of their business model to make quick cash. Trying to remove identity theft, Acima expects you to jump through their process and said they would not accept the FTC report. They work directly and only with XXXX, who will not remove the fraudulent account. Acima is a client of XXXX. No proof has been provided to XXXX from Acima about the account. They keep closing the dispute. I had over an XXXX XXXX XXXX perfect credit history, and I would never use some scam service owned by XXXX XXXX XXXX ( ACIMA ). It is impossible to get anyone to help me at XXXX, and Acima is worthless. If you go to XXXX  complaints, you can see top complaints on how criminals circumvent the credit lock system because Acima does not do an actual hard pull. Meaning it will not show up on your credit. This fraud first showed up on my account in XXXX Another shady thing was that ACIMA shows the account paid off after I made the initial dispute, lowering my credit even more. I believe Acima is fraudulent, and XXXX is helping through deceptive practices. Both companies have not responded to the XXXX.
Product: Debt collection

THEY ARE CALLING ME EVERY DAY WITH DIFFERENT ROBO CALL # 'S SAYING SHE IS XXXX. THEN SAYING THAT WE NED TO SPEAK WITH YOU IN REGARDS TO YOU WHEREABOUTS. IF WE CAN NOT VERIFY THIS INFORMATION THROUGH YOU THE LAW ALLOWS US TO CONTACT ALL REFERENCES ON FILE. CALL THIS # XXXX CALLED ON XXXX/17 WITH THIS # XXXX, SAME INFO SAME NAME LEFT XXXX, THEY HAVE ALSO CONTACTED MY EX HUSBAND AND LEFT THE SAME MESSAGES. 

I NEED TO KNOW WHAT I CAN DO TO HAVE THE STOP CALLING THEY ARE A SCAM. I GET A FEW OTHERS LIKE THIS TOO, WHICH I AM GOING TO GO BACK A FILE LIKE THIS ONE.
Product: Debt collection

Viking Client Service LLC attempted to collect a debt that was already paid. I have sent them proof of payment aka credit card statement, they reported to credit bureaus before my validation of debt.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to file a formal complaint against Experian, XXXX, XXXX for their refusal to update my personal information on my credit report. On XX/XX/year>, I submitted a personal information update letter to Experian, XXXX, XXXX, requesting the correction of my address and other personal details. This letter was accompanied by the necessary documentation, including a copy of my driver 's license, Social Security card, and a utility bill to verify my address. The document was also notarized. 
However, on XX/XX/year>, I received a response from Experian, XXXX, XXXX stating that my request could not be processed because I did not provide a government ID. This statement is incorrect and misleading, as I had included all required documents, including a government-issued ID, in my initial submission. 
Attached to this complaint, you will find a copy of my original personal information update letter and all supporting documents that were submitted to Experian, XXXX, XXXX. 
I believe that Experian, XXXX, XXXX 's refusal to update my information is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically under sections 15 U.S.C. 1681i ( Procedure in case of disputed accuracy ) and 15 U.S.C. 1681e ( b ) ( Compliance procedures to ensure maximum possible accuracy ). 
Experian, XXXX, XXXX 's failure to acknowledge and properly review the provided documentation is a direct violation of my rights under the FCRA. According to the FCRA, consumers have the right to dispute inaccurate information on their credit reports and must be provided with a fair and reasonable investigation of their dispute. By ignoring the documentation I provided, XXXX has failed to uphold their obligation to conduct a fair investigation, thereby violating my consumer rights.
Product: Mortgage

XXXX loan service sold my loan to Nationstar. I received a letter from XXXX after I had sent my payment for $ XXXX XXXX/XXXX/2015. I called XXXX and they told me they would forward my payment to Nationstar. The money was debited from my account on XXXX/XXXX/15 and Nationstar sent me a DOUBLE BILL on XXXX/XXXX/15. This was done deliberately. Also. Nationstar refused to send me a corrected copy of my bill. 

XXXX loan service XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX mortgage XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX
Product: Credit reporting

I had a neighbor named XXXX XXXX and she sued me in court so We countersued her and the courts paperwork showed it as a wash neither party won. But on the credit report it shows she has a judgment against me although the court record shows noone won any money I asked it to be updated or removed and they refused
Product: Debt collection

Went to Hospital XX/XX/XXXX because of an accident which was not my fault and is still in litigations later receive a bill which was paid by my my insurance with a balance left of {$150.00}. In XX/XX/XXXX I receive another bill for {$2100.00} from Penn Credit my Lawyer sent all supporting document to the company to have removed they later sent to credit bureaus. The company continues to update the collection with the credit bureau we have disputed it 4 times and sent in supporting documents showing that I only owe the hospital {$1000.00} which was still in litigation because of a Lawsuit. XX/XX/XXXX ,XX/XX/XXXX,XX/XX/XXXX have been updated experian, XXXX  have removed from my credit but XXXX ask me to speak with the collection company which I have Twice and the consistently update the account as me owing {$2100.00} also they told me that the hospital share my information with them violating florida HIPAA LAW.
Product: Checking or savings account

Once again, a Chase payment to cover my credit card bill at XXXX was not received by XXXX after having been withdrawn from my Chase account on XX/XX/year> by Chase.. Payment number XXXX. This has led to additional late fees being charged and a negative impact to my credit score..
Product: Credit card

My complaint is that there is a billing error. Per the back of my billing statement it says in the CREDIT BALANCES section says if your account has a credit balance, the amount is shown on the front of your billing statement. A credit balance is money that is owed to you. ( Which clearly says it's money owed to Me ) You may make charges against this amount if your account is open. We will send you a refund of any remaining balance of {$1.00} or more after XXXX months, or as otherwise required by applicable law, or upon request made to the address in the contact us section on page XXXX of your billing statement. So this means that the {$8500.00} actually is owed to me per there own policy. Because I'm the main investor over this charge card. Account ending in XXXX with Discover Bank