23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I was a victim of a job scam. I was offered a position of a remote data entry clerk, I went through a XXXX XXXX training and I was sent a check of {$2500.00}. I was told by the scammer that {$460.00} out of the XXXX were for my paid training. The rest would be to fund my equipment. I was told by the scammer to deposit the check and send over {$400.00} that were available that day from the deposited check through a wire transfer. I made the wire transfer through my bank institution Wells Fargo. I have the wire transfer details to the scammer I sent the money to. The check went through that XXXX  when I deposited it. {$400.00} were available from that check. I sent over the {$400.00} through the wire transfer and the XXXX XXXX I got a notification from the bank that the funds were being held due to unusual activity. Since I sent the funds a XXXX XXXX, the transfer was complete and the funds had been withdrawn from my own personal funds that I had saved in my XXXX  account. Thats when I realized that it was XXXX  a scam because I tried reaching out to the scammer and he became unresponsive after that. I wouldve never proceeded with the transfer if the check wouldve been revoked as soon as I made the deposit, but the check went through and the bank made {$400.00} available that XXXX. It is not right that the bank used my personal hard earned money to complete the transfer. I needed that money to pay my rent and now XXXX behind on bills due to this error.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

This is my 14TH endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$2400.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX Balance : {$2400.00}
Product: Debt collection

I am and have been the victim of identity theft. Several companies including credit card companies that were listed under my name were notified by me as to the identity theft situation and after there investigation each wrote to me stating I was not responsible for any debt HOWEVER Capital One is still actively seeking payment from an account that is not mine. When I became aware of the debt I contacted the company and told them of the situation. Several months later I have been contacted by XXXX XXXX XXXX a collection company bearing their acct number of XXXX listing the balance of {$390.00}. I have contacted them within the 30 day period stating the identity theft situation. Please help me rectify this and have XXXX not hold me responsible for a debt I did not incur. Thank You.
Product: Debt collection

account in litigation, Per FDCPA Consumer Protection Discover card XXXX XXXX XXXX XXXX XXXX  - I never personally backed this card -in business litigation
Product: Debt collection

This debt was  discharged  on  XXXX / XXXX /   2017  after  Simons Credit agenc y could not validate the debt. However, they have resubmitted the account to my credit report after deleting it days later.
Product: Debt collection

I made an settlement in exchange they will remove the negative item from my credit report. I paid the settlement and the comment is still there They did not follow the agreed agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is the only credit Bureau reporting an incorrect address on my credit report.my address is XXXX XXXX XXXX. I don't live at & have never lived at XXXX XXXX XXXX. That is not my address.
Product: Debt collection

I am being contacted by a company that says I owe unpaid rent for an apartment from over three years ago. I called the complex and the property was sold to a new owner. I was never contact by the complex about unpaid money and I have confirmation that everything was paid up.I was emailed about the debt and I emailed them at the address in the email asking for further information and got no response. I call the number listed in their email and it says the call can not be completed " at this time ''. They want about {$100.00} that I don't owe, but I can't get ahold of anyone there.
Product: Vehicle loan or lease

We currently have an auto loan with  Ally Financial, Ac ct number  XXXX . Vehicle  XXXX   XXXX   XXXX  purchased in  XXXX . This journey started for us when we were in the process of purchasing a home and our credit report reflected o ver 16 past  due payments being reported b y Ally  Financial. Now, how is it possible that we would have  16 pa yments, 30 days past due and still have our vehicle. Immediately, I got on the phone wit h Ally Financial to  explain what we found on the credit report. The representative then informed me that it our payment was current, but we had {$700.00} in late charges. At this point none of this made any sense, so I then filled a credit dispute. The documents I provided was the entire account payment summary, the account transaction summary which shows the date and time we logged into the system to make a payment. I also sent  Ally Financial a ce ase and desist notification via account messaging, due to unsolicited phone calls with inaccurate account information. The response to that letter was to call customer service. At this point my only request was for account verification because we did not owe {$700.00} in late fees, and a billing summary showing when we were considered late. On  XX/XX/XXXX   Ally Financial  mailed us a payment history summary reflecting late charges in the amount of {$250.00}, AND reported our account as a charge off. We submitted a dispute about Ally falsely reporting a charge off, when the account is actively being paid and that was removed. Keep in mind, as of today  XX/XX/XXXX  our credit report still reflects that we were late 16 times and owe {$700.00} in late fees. In  XXXX  we were charged late fees when we were on a 60 day, followed by a 30 day extension. In  XXXX  we have  XXXX  late fees although we were on a 30 day extension for  XXXX  and the other was paid on time. In  XXXX  from  XXXX  until  XXXX  ally financial report that we were  XXXX  consecutive days late. Again, how is that even possible when we still have our vehicle and the transaction summary shows that we made our payments. The same applied for  XXXX  where we were reported late 6 times with  XXXX  consecutive 30 day past due. According to the total paid amount we paid off close to the balance of this loan back in  XXXX  of  XXXX  {$38000.00}, why are we still showing as having payments in  XXXX ? We have tried outreaching, we have mailed letters and still there has been no resolve.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX i noticed Capital One, XXXX, XXXXXXXX & XXXX posted a negative closed account I did not consent to. They have committed fraud and several violations of the FCRA. It has been over a month now and this false account is still on my report despite my efforts. Capital One, XXXX, XXXX  & XXXX has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me. Fact, the Fair Credit Reporting Act, 15 USC 1681, is intended to secure my right to privacy and protect my public reputation that is directly correlated to and linked with my Consumer credit report. Fact, Capital One, XXXX, XXXX & XXXX has damaged my reputation by furnishing fraudulent, negative information onto my credit profile, violating 15 USC 1681 and 15 USC 1692. Fact, by furnishing this fraudulent information Capital One, XXXX, XXXX & XXXX in violation of 15 USC 1692 and 15 USC 1681. Fact, I never gave Capital One, XXXX, XXXX & XXXX permission to furnish this information. Fact, I never gave consent for XXXX XXXX to obtain and store my private information and they have unlawfully obtained my information in violation of 15 USC 1692. Once again, Capital One, XXXX, XXXX & XXXX has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me.
Product: Checking or savings account

Citibank has locked me out of my account because I was transferring funds of the same amount from my savings account to my linked checking account. They now will not let me into my account because they say my phone number is not " verfied ''. I asked her how to " verify '' my phone number and she told me to XXXX it. Even though the number I gave her was the number she has listed, it is not " verified. '' The case has been escalated and they all give me the same answer with no directions on how to actually verify my number. All I want to do is to close my account.
Product: Credit card

I am writing to your agency because I am very upset the way Discover handled my claim. XX/XX/2015 we received several calls from XXXX XXXX from XXXX telling me that he could get us XXXX federal grants for economic stimulus. But they wanted {$2300.00} up front so he could do all the paperwork. We agreed and paid them with our Discover card {$2300.00} to XXXX XXXX. Well needless to say they kept stringing us along and telling us that the grants we had applied for were gone, so I contacted Discover and was told they could not help. They would n't even do a good faith investigation. The Attorney General told me that I was well within the guidelines of claims and defenses, again Discover would not help. I also paid {$6900.00} to XXXX XXXX. I was again defrauded. I disputed the charge. Somebody called in and dropped the dispute. I tried to re open it and was told I could not. I know that 's not true but Discover would not listen to my side. The money was supposed to go to XXXX but instead went to XXXX XXXX. I explained to Discover that it is not a billing dispute, it is for services not rendered.
Product: Credit reporting or other personal consumer reports

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 NOT SUPPLIED PROOF UNDER THE DOCTRINE OF XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS uld PURSUANT TO 18 USC 8, L OWE NO DEBT, THIS COMPANY IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO 15 USC 1681-B2 COMPANY HAS NO PERMISSION TO REPORT MY INFORMATION PER 15 USC 16814
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX XXXX  and XXXX # XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXXXXXX XXXX XXXX # 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 account without my written instructions.
Product: Credit reporting or other personal consumer reports

I have been fighting the validity of said late payments on an account from XXXX XXXX- XXXX. # XXXX As well as a late payment that XXXX XXXX reporting XXXX # XXXX I have been going back and forth without any proof coming from furnishers of this inaccurate information nor any credit reporting agency listed below ; XXXX, XXXX, Transunion. I also have an XXXX XXXX XXXX XXXX account as well as XXXX XXXX account that are furnishing inaccurate information. I do not owe a debt to either of the institutions. And have begged and pleaded for the information to be made accurate in terms of my credit report. I am still demanding that I receive PROOF that I, XXXX XXXX have in fact contracted and with these institutions and owe a debt. I am demanding that XXXX XXXX be deleted from my credit profile as well as XXXX XXXX XXXX XXXX. And that the said late payments are updated to reflect fact, and accurate reporting. I HAVE NOT MISSED ANY PAYMENTS. So, Remove any Late Payment from my credit profile immediately.
Product: Credit reporting

I disputed several medical collections in my credit file with all XXXX CRA 's. Once the investigation was completed and " verified '' I contacted the CA directly. To make a long story short, there was an issue with my particular insurance company so the accounts would be removed from my credit file. I sent in a copy of an email that I received from the CA to the CRA 's. They verified that they did receive the email. I was told that was not enough for them to remove the accounts ( the email had the senders ( CA Supervisor ) contact information, phone, email and fax number. All they had to do was call them. Once I received the actual deletion letters from the CA 's, I sent in the copy 's to the CRA 's ( all on company letterhead ). I called and verified that they did receive the letters. Still the accounts are in my credit file. I am trying to get a mortgage. Since sending the request to deleted the interest rates have increased and who knows whether the rates will increase again by the time they remove theses items. I informed the reps of this. I do n't understand why, if you have letters from the creditor saying delete the accounts, why it 's taking nearly a month to get them removed? I am still waiting ... ...
Product: Mortgage

I contacted Citizensone loan because of the current situation of the Covid-19 pandemic to see what forbearance programs they have during this time. I am XXXX XXXX and am currently shut down. Citizensone stated that they have a forbearance plan which consists of 90 days and can be extended for an additional 90 days, if needed. At the end of the forbearance period all delayed contractual payments will be due on your next payment due date. How is that helping me? How can I come up with all those missed payments in one lump sum? I have a mortgage with XXXX XXXX XXXX  which has graciously given me 90 days and will extend for another 90 days, if needed and they are extending my mortgage payoff by that amount of months taken. That is what a bank should do. Citizensone is unreasonably taking advantage of the consumer in this pandemic. I know of many other banks like XXXX XXXX that are coming to the aid of their customer, that's helping American people get back on track in this difficult time. I have contacted Citizensone numerous times to try and resolve this issue but they will not negotiate.
Product: Debt collection

NATIONWIDE RECOVERY SERVICE HAS BEEN SENDING ME COLLECTION NOTICES INTHE AMOUNT OF {$800.00}. THE COLLECTION HAS BEEN REPORTED AS PAST DUE BALANCE. I DO NOT KNOW THIS COMPANY. I NEVER DONE ANY BUSINESS WITH THIS COMPANY.. THIS COMPANY DOES NOT HAVE A CONTRACT WITH MY SIGNITURE
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone is using my information to lease things under my name. I have never heard of any of these people but I am trying to get this matter taken care of as soon as possible. There is an account from XXXX XXXX, XXXX XXXXt and XXXX XXXX XXXX. They appear to be collection agencies and now my credit is ruined because of this.
Product: Checking or savings account

My paycheck was sent through my company and I was supposed to receive it this morning ( XX/XX/year> ). Capital One claimed to be having technical issues where they are not able to process my direct deposit from my company. I went though customer service and called the number on the back of my debit/credit cards asking for an ETA on when they would release my deposit and have heard no response besides we are working hard.
Product: Mortgage

I filed a complaint last year against Ocwen Loan Servicing , LLC stating that due to their error my homeowner 's insurance was canceled to lack of payment. The money was in my escrow account but they never paid. I have been going back and forth with Ocwen ever since. I thought we came to a half way resolution, but I received notification that my payment has gone back up after the escrow analysis that was completed in XX/XX/XXXX. I am attaching a few emails from Ocwen stating they would make sure my payment did not go up due to the insurance but it has gone up {$60.00} a month.
Product: Credit reporting, credit repair services, or other personal consumer reports

These are not my accounts, nor did I authorize these companies to run my credit. This is a second request to remove this information from my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  AccountsXX/XX/XXXX XXXX XX/XX/XXXX # XXXX has violated my rights. 

XX/XX/XXXX # 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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting incorrectly that I am 30 days past due on XXXX partial account number XXXX. ( Please see page 7 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report to see why I cant get a bank account and it seems to be that someone is using my information accounts being open, Im in the check system
Product: Credit reporting

i have XXXX hard inquires with equifax that does not belongs to me i have tried to contact equifax but they keep giving me the run around about these inquires the inquiries are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

an accordance to the Fair Credit Reporting act XXXX XXXX ACCOUNT # XXXX AND 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 a account without my written instructions.
Product: Credit reporting or other personal consumer reports

XXXX is still reporting an unlawfully debt thats has been past the statute of limitations of XXXX federally and state level its three years.
Product: Credit reporting or other personal consumer reports

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTATION : This is a CHALLENGE and NOT A DISPUTE I am always CHECKING for TOTAL COMPLIANT & CERTIFIED COMPLIANT REPORTING that gives testimonial and irrefutable PROOF of the undeniable TRUTH, correctness, completion, timeliness, ownership of, responsibility of, and compliance and or else wise for any and all items accused, even any and all aspects of allegations. 
Per Federal reporting regulations and the MANDATED COMPLIANT Metro 2 format reporting standards of practice any and all items of adversary or derogatory nature must be certified as entirely true, accurate, complete, timely, of documented ownership, of undoubted responsibility, and documented testimonial certificate of compliance marking undeniable lawful standing of claim ( s ). Per law, any deficient of substantial and evident matters of fact ( s ) would be unethically reported  and even illegally reported. My state and the federal laws alike agree that neither willful nor ignorant disregard is acceptable, so I demand here today, even RIGHT NOW, that the allegation in challenge be eradicated in full or else wise demonstrated in it's entirety to be compliant in every aspect of its reporting. To retain much less report otherwise would be a vile misrepresentation and done so in unlawful and injurious infraction of mandated compliance laws. The currently unfounded and even not certified true or correct misinformation of which is misreporting is attached to this complaint and must be deleted immediately, so please do so without delay. 
I have attempted to resolve the issue directly with the respective parties, however found that they were non-compliant as per the FCRA and CDIA requirements
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the 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 an auto loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX of 2023 under the account number XXXX with a balance of {$25000.00} This account has resulted in several fraudulent hard inquiries 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 account or hard inquiries as reported. The aforementioned account and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned account 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 account and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

On XX/XX/2022 I submitted a written request to the mortgage servicer providing them a copy of my tax bill for the property taxes. I also asked for the following : I received the first tax bill for my home today, which was new construction. I believe it needs to be paid from the escrow account. Please find it attached. 

Also, it seems the escrow account is overestimated by 38 % per month since it was estimated given that the house was new construction. I believe that I am due a refund, in addition to needing the monthly escrow amount reduced by 38 %. How do I request an escrow analysis be performed? 

I followed up this request several weeks later after no response was received and was told that I would receive a response by XX/XX/XXXX. I received no responses from the company.