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

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1600.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT 1. XXXX with ACCT # XXXX opened on XX/XX/2018 with a balance of {$1600.00} -This is not my account.
Product: Checking or savings account

Hello, Middle Class Tax Refund Debit Issue. We received a {$1000.00} credit. On XX/XX/2022 at XXXX PM we withdrew {$580.00}. On the following day at the same ATM I attempted to take out the remaining available funds of {$460.00} ( ATM FEEs {$3.00} per transaction ). The ATM said the funds we note available due to the fact no additional transactions within the same day. I figure I would try again the next day which I did. I was refused again due to we now only have {$1.00} left in our account. Somehow of the other this ATM deducted the {$460.00} along with an ATM fee of {$300.00} and did NOT provide me the funds. 

On XX/XX/XXXX I called the number on the back of the card XXXX and attempted to file a complaint to get the missing funds added back on. When I asked for her name to I could follow up and hung up on me. I called back the next day on the XXXX and a gal named XXXX answered the phone. I explained the issue to her and asked if I could please speak with a supervisor. She put me on hold and said one would be with me a.s.a.p. I was on hold for about 30 minutes and then the line went dead. On the XXXX I called back again and received the following message. " Due to high volume we are not able to assist you at this time ''. 

Can you please look into this for me. I could REALLY used this money. 

Thanks, XXXX XXXX
Product: Debt collection

I am a documented victim of identity theft with police reports, FTC report, and other legal documents. XXXX XXXX XXXX is illegally trying to collect on 2 fraudulent accounts opened in my name, by the original creditor Capital One, which violates the FCRA. The first account has a balance of {$1800.00} ( account ending in XXXX ) and the second has a balance of {$680.00} ( account ending in XXXX ). I have contacted both XXXX XXXX XXXX and the original creditor Capital One by mail and by phone numerous times, and have included my XXXX XXXX police report from XX/XX/2022 as well as other supporting identity theft legal documents. These fraudulent identity theft accounts need to be removed from my credit reports immediately or further legal action will be taken as I have documented each point of contact with the creditor for supporting evidence. Please see my legal documents and police report attached.
Product: Checking or savings account

Chase bank placed a 12 day hold on a check written to me from my own spouse. The check has cleared my spouses account ( I asked them to verify and to show them proof ). They will no respond to any of my customer service requests or calls with hold times or about 2 hours. 

I cant access my money during a pandemic. This hold time is outrageous. Please help me.
Product: Credit card or prepaid card

By using my social security number and some information about me, they were able to get through the Citi bank phone system and open an authorized user under my card. This was all done without contacting me directly and the bad actor was able to use the same system to change my phone number and the email on my account. All while presumably unable to enter my security word
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX {$270.00} {$75.00} I was told that my company XXXX XXXX XXXX would be paying my workers compensation. They were taking care if it, but then fired the current XXXX. a new XXXX. came in I passed the information to him. Then he quit 2 months later and it never was taken care of. They hired a new XXXX. he and the president both said they took care of it. I spoke with corporate and they said they took care of it. Though today XX/XX/XXXX I received an email showing I have a Dragatory late payment for the bill that was supposed to be paid through my company I was working for at the time. The company did not pay the bill, and it had gone into collections.
Product: Debt collection

Received notice dated : XX/XX/ from firstsource in reference to an alleged debt owed to XXXX XXXX for the amount of {$1300.00}. I have nothing to do with this alleged debt in my name which is why I am requesting per law to provide validation for this alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : - ; XXXX XXXX XXXX Balance : - ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I check my credit report seen a derogatory mark on credit profile from Harris & Harris Ltd a company I do not know and never did any business with
Product: Credit reporting or other personal consumer reports

these inquires were unauthorized and Im a victim of identity theft. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have been disputing XXXX XXXX XXXX on my credit reports since XXXX. Each time I dispute them with XXXX, XXXX, and Experian, they send me results that say verified. Experian sent me results that said contact the company ( see dispute results ) and that has not done me any good in the past 2 years. As you can see that the date of status before and after says XX/XX/XXXX. In the account history on both accounts on Experian. And under the comment section on Experian, It shows that I have been disputing since XX/XX/XXXX. Nothing has been updated ever. Under both accounts, the Account History on Experian, the DBR ( Date Payment received ), says XX/XX/XXXX At the bottom it shows the original amount as {$1200.00}, and the other account {$1000.00}. I have never received anything from this company before they reported this to my credit report. I don't even know the company XXXX XXXX. I have tried speaking with XXXX XXXX and they keep saying that the debt is mine and have not sent me paperwork on this debt that isn't mine. On my credit report from XXXX ( see attached ), they claim that I made payments to them on XX/XX/XXXX, in the amounts of {$120.00} and {$61.00}, and I have never sent them anything. If they reported the account in XX/XX/XXXX, how can they report a false payment on XX/XX/XXXX? Both account numbers are the same on XXXX, and it shows that I have payments of {$120.00} and {$61.00}. However, on Experian in the account 's history, the SPA and AAP ( Scheduled payment amount and actual amount paid ) say no amount. The remarks say Placed for Collection but they are a collection agency. Payment status says in a collection as well. My XXXX  is the same as well. ( see attached ) I also have attached my FICO credit report so you can see the accounts. They don't have any account numbers.
Product: Debt collection

I have repeatedly received calls early in the morning, as early as XXXX. I want this to stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed that there are accounts not mine. I would like them removed. I am in no way a credit repair or mortgage company. I have sent you my personal information as well. Thank you.
Product: Checking or savings account

Requested access multiply times from Online services and also XXXX XXXX, my relationship manager. The answer I keep receiving is the bank is unable to provide access
Product: Credit card

Apple card Dispute case number : XXXX, I had made a purchase from the merchant XXXX XXXX XXXX on the day XX/XX/XXXX, XXXX the total amount of my purchase was {$1700.00}, I had disputed this purchase because the merchant had failed to deliver to the right house hold of mine, XXXX XXXX XXXX XXXX CA XXXX after I had claimed towards the merchant that I had never received anything from them they provided me with a proof of delivery with a picture of the package on a front porch, I realized that the picture they had provided me is from a completely different household from mine, I later provided the merchant XXXX XXXX XXXX with a following picture of my actual front porch that clearly does not match the one they delivered to, i also have family at my house hold 24/7 along with camera footage from the day they said it was deliver and there was absolutely no one delivering anythingXXXX XXXX XXXX XXXX later claimed that they will not be able to help me with this issue even though it was a mistake that they acknowledged on their part. After they told me they couldnt help me I had contacted and disputed the charge with my apple credit card in their support chat on the day XX/XX/year>, exactly ten days after the purchase. I had provided the apple support chat with the proof that the real real had mistakenly delivered to the wrong house, just for them to later sided with the merchant on XX/XX/year>, even though they were clearly in the wrong and had never even delivered to the wrong house hold I never even received anything at all and i do not want to be left paying for a package that i never even received. which is why im taking this issue up with CFPB in hopes of not paying for a package that I NEVER RECEIVED.
Product: Vehicle loan or lease

I recently learned that XXXX has a special financing relationship with Santander Financing, which is the primary loan sponsor for XXXX, and I may have been given a loan by XXXX that was fraudulent and usurious. <P/>I bought a car from XXXX XXXX, XXXX, GA on XXXX. I was told that Santander was the only company that would finance the loan since I was coming out of bankruptcy. I was not shown the credit responses and believe that I was given a loan of 24.99 % over 6 years in order to support XXXX 's relationship with Santander. I was told that the payments of {$260.00} were over 5 years, but it turned out to be 72 months, 6 years, but I did n't notice the change in the paperwork. <P/>When I became unemployed in XX/XX/XXXX, I asked for a reduction. I was given a {$100.00} reduction for 6 months for only a {$600.00} reduction. Then the payments were stretched out until XX/XX/XXXX, then XX/XX/XXXX, then XX/XX/XXXX, then  XX/XX/XXXX. I kept getting different payoff dates from CSRs, so I stopped making payments in XX/XX/XXXX. I recently settled for a final payment of {$270.00}.
Product: Debt collection

We had medical bills that we were paying slowly. The debt collection agency started to call my place of work. XXXX would threaten me and be extremely aggressive. She called me 5 to 10 times at work even after I repeatedly asked her not to call me there. She called me more at work than she did on my personal line. When she talked to my husband she was kind and understanding but when she talked to me she was rude, aggressive and continued to harass me.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Hi, I have a mortgage loan through SLS account # XXXX and I never can catch my mortgage with them from the start due to high interest rate. I 've been so far behind now I am at the point where I am going to loose my house. The only thing that is keeping from foreclosure is BK Chapter XXXX. I am really stressed out and I really do n't know what to do from here, The only thing I can think of is to request a loan modification. Hopefully this can help me keep the rate and principle down and avoid foreclosure. I never got the loan documentation and I am completely upside down. The lender never contacted me to start the loan modification or any type of assistance. I think my current rate is 9.5 % and I am so far behind with my current mortgage. 

Please see what you can do to help. 

Thank you.
Product: Debt collection

As stated in the last complaint Capital One continues neglect me as a consumer. I have been battling with them since 2017 about my accounts and how I need them to update things, so I could have access to pay my bill. The employees refused to be sensitive to my pronouns and name change as result my account was closed after years of torture from this credit card company I'm still left with a punishment and a persistent reminder. I got a response my first complaint today, which just a apologize and a justification for what has happened to me over the last few years. On top of that XXXX from the excutive office called today and told me that I wouldn't have an issue with login any more. I said that's great but what about my account being closed she said she would look into it but it would be hard reverse. I have two accounts one I recently paid off and what no one told me is that account was technically closed too. I want my accounts back open, I deserve that. Before my mobile app stopped working I was paying my bills on to time. No one should have go through what this company continues to put me through. I don't know if it's because I'm XXXX or because they are XXXX and XXXX   but this continues even after an apology from them. I want my accounts reinstalled this is cruel.
Product: Mortgage

We have been making mortgage payments to Shellpoint Mortgage since about XX/XX/XXXX with no problems. Then last year in XXXX ( fall ) we received notification XXXX XXXX XXXX was taking the loan over. At this time, XXXX XXXX XXXX  attached our discharged mortgage to our credit. We completed our complaint with the credit bureaus. Our Mortgage originally with XXXX, taken over by XXXX XXXX XXXX during the " take over '' was discharged in XXXX through bankruptcy court ( see attached ). Meanwhile XXXX XXXX XXXX  failed to pay our property taxes and property insurance. So we made the payments. Normally this is done through our escrow. Shellpoint took the loan back from the lender in XX/XX/XXXX. We made our mortgage payments minus escrow since we paid it already, and were not refunded by XXXX XXXX XXXX. When Shellpoint took the loan back we told them what happened with XXXX XXXX XXXX. When shellpoint took the loan back they also attached the loan to our credit and again we fought to have it removed. We have continuously made our payments minus the escrow. Shellpoint is now filing for foreclosure. We have dealt with customer service, their Escalation department, left voicemails, were told we would get a call back, but have never received any calls. Only documents in the mail letting us know what our payment is. Information we already know. we have completely gone in circles with zero assistance. We filled a complaint with the XXXX and got no where. Why would or should we make a double payment because the lender doesn't communicate with the servicer? Since our loan is discharged we have had nothing but issues! It's been a terrible mess. We were also told that our loan with XXXX was a fraudulent loan. We don't know what else to say other than these two entities are committing fraud. The money we have sent them has not been applied nor does it show on our statements. During this time we also completed a Prop 8 through the county to accurately have our home assessed for property value. This changed the property tax payment amount. Shellpoint and XXXX XXXX XXXX   continued to increase our monthly payments to include an inaccurate escrow amount. They also were adding an excess of over {$3000.00} in escrow for an undisclosed reason. They have not responded as to why they needed to collect an excessive amount in comparison to taxes amount and insurance owed. At this time we are no longer going to send them any money since we don't know where our payments are going. Until we can get this resolved. We also have a re-conveyance for our property and are attaching this as well including the grant deed. 

Shellpoint Mortgage Account # XXXX ( before XXXX XXXX XXXX  took the loan in XXXX ) we had no issues until XXXX XXXX XXXX  came into the picture!! 

XXXX XXXX XXXX Account # XXXX XXXX and XX/XX/XXXX payments attached. 

Shellpoint Mortgage Account # XXXX XXXX XX/XX/XXXX after XXXX XXXX XXXX let them service the loan again since we got the debt removed from our credit )
Product: Money transfer, virtual currency, or money service

I made a deposit in the amount of {$100.00} XX/XX/XXXX  and my account was immediately restricted. I was unable to send the money to my friend who needed it immediately. I was required to submit my identification and biometric data and instructed to wait 72 hours in order for me to gain access to my money why did they do this right after a deposit and why didn't they do it at the beginning when I set up the account why do they hold my money unnecessarily it seems to me very inconsiderate. I should have done my due diligence I can now find numerous complaints in every place XXXX XXXX XXXX  Consumer Finance Bureau everywhere that they've been doing this to people and then closing people 's account are not even giving them access to their money this seems very very shady and something needs to be done about it
Product: Debt collection

The debt collector claims we owe this bill. They say it was from a provider that almost XXXX me during a XXXX. I do not owe this debt.
Product: Credit reporting or other personal consumer reports

This is my second time writing you to update my personal information.

15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : XXXX. My Full Legal Name : XXXX XXXX XXXX XXXX. My Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please delete all other addresses. I can not receive mail or any correspondence nor do I have access to any other address. Please delete outdated addresses and update the addresses with the ones above. 

My only Phone number is XXXX Delete any and all other phone numbers. 

I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 

Delete all information in the employer section. 

Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

Please send an updated credit report once the changes are complete to my contact information listed. 

My contact information is as follows : Name : XXXX XXXX XXXX XXXX : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Enclosed : Copy of State ID and Utility bill showing proof of address
Product: Payday loan, title loan, personal loan, or advance loan

Random companies that I havent done business with before are taking money from my bank account, I think someone is using my identity to take out payday loans in my name illegally.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2019 XXXX removed a charged off account from wells fargo in the amount of {$19000.00} because the company couldn't validate the debt as mine. I have since tried to remove the account again because it showed back up on my credit profile two months later with a different account number and the charged off amount being a dollar less ( {$19000.00} ). I have reached out to wells fargo again asking them to provide me with the information used to validate the account and they keep sending me a paper to fill out my information and sign. They have not validated the information with me but XXXX and XXXX  keep saying the account is valid and when I ask for the method of verification, they do not respond. They also have my grandfather as the authorized signer and he is diagnosed with XXXX. They have reached out and contacted him and I am afraid they are taking advantage of his XXXX state
Product: Vehicle loan or lease

I was never told this was a simple interest loan. The car company had given me the car and I signed papers with another loan company. I was given the car and drove it home. Three days later I got a call from the car company and was told they were not going to give me the loan. XXXX XXXX lied to me and had already taken my car and gotten rid of it. I needed a car to work so, I had to go with the loan company that XXXX XXXX said was giving me a loan. I was between a rock and a hard place and I did find out after the fact that XXXX XXXX was lying. I am signed on to a loan for 7 years at 22 %. I am being charged interest every day. I recently called and ask them to lower my interest as I have not missed a payment. Even the extra money I pay is being taken and charged interest on it and whatever is left is applied to my principle. I called in XXXX of 2019 and asked that any extra money be applied to my principle. I found out that any extra monies are being taxed, and then applied to my principle. I was even told that it was being taken off my monthly payment and that is why my payment monthly payment had decreased. Then I was told by a manager that I  had a credit there in case I could not pay all of that month 's car payment and if I wanted to do a principle only payment that I need to send it in by itself. Please Help!!