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/XXXX 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 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 personal credit card account opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX XXXX XXXX. on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX on XX/XX/XXXX with a balance of {$35000.00} that appears related to the aforementioned personal loan account opened at 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 # ( private case number ) 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: Money transfer, virtual currency, or money service

My checking account has unauthorized fraudulent charges on them that the bank will not reimburse.
Product: Mortgage

We have appealed our real estate tax assessment with the taxing authority in XXXX, GA. That appeal is in process. The appeal places the property in a tax abeyance posture. Nonetheless, LOAN CARE -- the mortgage servicer has made tax payments, over our objections, to the taxing authority creating an escrow shortage. We have sent timely notice to the mortgage servicer advising them of the tax status, and urging them to -- not -- make any payments to the tax authority because we owe no real estate taxes. We have also supported the " no-tax due '' status by supplying letters from the tax authority and the local Superior Court informing that no taxes are currently due, and that the appeal remains active. Despite these numerous communications, the mortgage servicer refuses to apply our correct amount payments to the account, and the mortgage servicer continues to impose erroneous and punitive charges to the account. WE HAVE THE FUNDS TO MAKE THE PAYMENTS as we have continually during this dispute. The mortgage servicer has employed a debt collection law firm to foreclose on our home. We have made contact with the debt collection law firm under the FDCPA, but the debt collection law firm has refused to act, and it continues to move forward with foreclosure actions. The entire organization is conducting itself illegally, to our harm and detriment.
Product: Mortgage

On XX/XX/XXXX we spoke with Mr. XXXX from Shellpoint Mortgage Servicing with the intention to apply for a repayment plan. Mr. XXXX told me the down payment amount that I need to pay but at the same time, he told me the outstanding balance was {$770000.00}, which for us was incorrect. He recommended that we request the escrow analysis. On XX/XX/XXXX, I received the escrow analysis and I confirmed that I was charged twice for the same reason. Each past due payment included {$1000.00} for escrow monthly payment ( taxes and homeowner insurance ) but at the same time, my negative balance of the escrow account is {$130000.00}. Therefore, there is a disputed charge of {$120000.00} Please be advised that my account is in error. By federal law, the borrower can not pay twice the taxes and insurance. Shellpoint Mortgage Servicing included on each past due mortgage payment the amount of {$1000.00} but at the same time issued the past due amount of {$130000.00} of negative escrow balance for unpaid taxes and insurance ( cut off XX/XX/XXXX ) On XX/XX/XXXX, I sent via email a letter to the escalations department and loan servicing requesting the correction of this error, unfortunately, we didn't receive any answer.My intention is to pay what I owed to Shellpoint Mortgage Servicing through the repayment plan. However, the outstanding balance is incorrect.On XX/XX/XXXX I sent via email and certify mail a letter that I am attaching to this complaint as a supporting documents and until today, Shellpoint Mortgage don't answer anything to me.
Product: Credit card or prepaid card

I had been a perfect customer with CapitalOne. I moved, and in all the activity my original card was misplaced. It was not a problem, as I canceled the card number and requested a new one to be sent to my new address. 

CapitalOne sent the new card to my new address, but the U.S. Postal Service needed a week for my change of address to kick in. I found out that USPS returned the card to CapitalOne. 

CapitalOne is making an enormous big deal of the situation and demanded that I email them evidence of my existence!!! 

They demand that I email them the front and back of my driver license. I did this, but they claim that the back of my license image is a bit fuzzy. I do not have access to a scanner, so I had to rely on a camera photo that I took of it. 

Fortunately, I had a scanned copy of the front of my license, which I sent. 

They are denying sending my new card because they say that the back copy of my license is not clear enough. 

The back copy of the license has extremely tiny lettering, which even my XXXX camera can not duplicate clearly. 

I offered to send my passport, birth certificate, ss card, and any other possible form of identification. 

There is no logical reason why they will only accept the back of a driver license, which is impossible to reproduce because the lettering is so tiny. 

Ironically, THEY SENT ME THE REPLACEMENT CARD ALREADY WITH NO DOCUMENTATION OF EXISTENCE, but the USPS screwed up and sent back the envelope because my change of address did not initiate for a week. 

Also, like I mentioned, I have been a model client, reimbursing any credit card purchases within a matter of 3 days each time. 

Now, all of a sudden for no reason, I am treated like a criminal because their letter was returned. 

The back of a driver license is a ridiculous choice for identity. It is impossible to reproduce clearly. 

I would ask that CapitalOne be fair and accept a different and better form of identification that I can transmit to them via email. 

Their inflexibility is extremely disrespectful to a model client. 

Also ironic, is that CapitalOne initiated my involvement with them. They contacted ME about starting a new card, I never contacted them about it.

ALSO, THEY RAISED MY CREDIT LIMIT BY TWO TIMES THE ORIGINAL LIMIT because I was such model customer.
Product: Credit reporting, credit repair services, or other personal consumer reports

After a year of court appearances and several thousand dollars in court and attorney fees a settlement was reached with the plaintiff American Express. On or about XX/XX/XXXX a stipulation of settlement was created for 50 % of the balance owed to American Express which came to {$10000.00}. The first payment of 24 payments was set to begin on XX/XX/XXXX. I started making all payments in a timely manner. On or about the 20th payment, there was a problem with my bank account, so I sent the check from a different bank account which was cashed in a timely manner. Apparently XXXX claimed that one payment was still outstanding. I made countless phone calls starting in XX/XX/XXXX with no success. I spoke with many representatives all of which promised to help me, but instead ignored me and never returned any of my calls. I sent XXXX a letter on XX/XX/XXXX with proof of all payments, again XXXX completely ignored my request to look into the matter. l continued to make all 24 payments on time and wrote a final later with the payment number 24 on XX/XX/XXXX requesting the account be closed and removed from my credit report. XXXX did not respond. On XX/XX/XXXX I received a letter from XXXX  requesting the other 50 % claiming that the 1 payment was still outstanding so now the entire balance was due. I called maybe 20 times, speaking with many representatives, with no success. XXXX did respond on XX/XX/XXXX as well as XX/XX/XXXX indicating the account was in dispute. 
As of today XX/XX/XXXX there is no return phone calls from XXXX and each month the missed payments are being posted on my credit report indicating the account is in default, ultimately lowering my credit score. I filed a dispute with all 3 credit bureaus, but XXXX XXXX  response is, the account is still active. I need further this issue in order to achieve resolution. I will also be filing a complaint with the attorney generals office as well. 
Thank You
Product: Credit reporting or other personal consumer reports

I have mailed letters to The Department Of Education XXXX XXXX XXXX as well as XXXX demanding verification of the information they are reporting on their platform. The account does not belong to me and they have not proven it to me. I have given the companies a 30 day response time. 

Regarding twXXXX XXXX XXXX accounts disbursed in XXXX, I have no knowledge of these accounts and does not belong to me and have therefore asked for this information to be deleted immediately.
Product: Vehicle loan or lease

In XXXX of 2023 I was involved in an accident where my vehicle was totaled. When I applied for the loan I also purchased gap insurance through Associated bank. When it was time for the gap insurance to kick in Associated bank blamed another institution that deals with the gap insurance saying they have been requesting information from them that they have not provided. I continued to pay the loan for numerous months after the accident as to not effect my credit score. I stopped paying on the loan in mid XXXX as I could no longer afford to pay for a vehicle I did not have that gap insurance has failed to cover. I have been constantly receiving calls for a delinquent loan and have taken a significant hit on my credit score since I won't pay for a car that should have been paid off months ago.
Product: Student loan

In XXXX of XXXX, while I was in a deferment/forbearance period ( not currently paying on ) my XXXX student loans they sold them to VSAC Loan Services. I was not made aware of the transfer in ANY way. I figured I was still in my 2 year deferment period that XXXX offered.When the time was up I tried to contact XXXX with no luck, all they said was that my loan no longer existed. I searched everywhere online I could think of for my loan. In XXXX of XXXX it finally showed up on my credit report as being derogatory for this random place VSAC. I tried to contact them several times and they could n't locate my information, even though they reported me as delinquent. My loan was in limbo. Finally I got ahold of an amazing lady at the XXXX XXXX XXXX XXXX who helped me refurbish my loan and got me back on track. It was sold again by VSAC during this refurbishment to XXXX who I 've made every payment on time since this nightmare with VSAC. In conclusion, VSAC needs to take the derogatory report of those 7 months in XXXX.
Product: Mortgage

We refinanced a loan in XXXX with XXXX XXXX. The Title company at the time was XXXX XXXX XXXX. We received a clear title and was able to close the loan. We are in the middle of refinancing and on the day we were going to sign the closing documents, the current Title company said their is an outstanding lien from XXXX. This was not reported to us in XXXX, otherwise we would not have been able to close that loan. I have been in contact with XXXX and they claim they have no duty to us to solve this issue. We are going to lose a loan that would be saving XXXX $ XXXX because of the mistake made by XXXX in XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern and frustration concerning the ongoing issues I have been experiencing while trying to remove fraudulent items from my credit file with XXXX, Equifax and XXXX Credit Bureaus. These fraudulent items have been causing significant distress and financial hardship, and despite my multiple attempts, the situation remains unresolved. I believe it is essential to provide an overview of the numerous attempts I have made : I first noticed the fraudulent items on my credit file and promptly contacted XXXX, Equifax and XXXX Credit Bureaus. I explained the situation and submitted the required documentation. I was assured that the issue would be corrected promptly. After not receiving any updates or resolutions, I followed up on the status of my case. I was informed that my case was under review and that I would be contacted shortly. To my dismay, I had still not received any updates or resolutions. I made another inquiry and was told that my case had been escalated and that I should expect a resolution within a specific timeframe. The presence of these fraudulent items on my credit file is significantly impacting my financial and personal well-being. I request the following : Immediate and effective action to remove the fraudulent items from my credit file. Clear communication regarding the status of my case and the steps being taken to rectify the issue. I am asking for your assistance to remove the fraudulent items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$570.00} XXXX XXXX Balance : {$750.00} XXXX XXXX  Balance : {$2500.00} XXXX XXXX XXXX XXXX XXXX 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 : {$750.00} XXXX  XXXX Balance : {$2500.00} XXXX XXXX XXXX Balance : {$570.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$570.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am disputing the amount that RMP is trying to collect. I have written multiple times asking for proof of the original debt along with proof that they are authorized to collect the debt. When I speak with them the agent says that she sees my multiple requests, but yet no one is complying with the Fair Debt Collect Act. Instead of providing proof they have decided to harass me multiple times a day and week with obnoxious calls at at all times. I have also asked that calls stop until both documentation is provided per the Fair Debt Collection Act. They will not provide proof nor stop calling.
Product: Checking or savings account

Attempted to deposit check into account check been on hold bank is withholding other funds not associated with check furthermore check for {$7600.00} has never been credited to my account not XXXX cent has ever been available and yet approximately {$2000.00} of unrelated funds being withheld and Bank has failed to provide statements of all accounts that Ive requested and or they send me digital links to statements that I have no credentials to access. Unauthorized subversion of funds through XXXX  party transfer ( CREDIT-PUSH ). transactions to PNC account number ending in XXXX. 
Full disclosure of all accounts and assets property interests policys and securities held by PNC or and Partner institutions that may hold on behalf of or for by XXXX XXXX XXXX or any variation of persons, entity, individual or corporations is hereby requested to be returned to ESTATE # XXXX as I am not lost at sea as previously assumed under cannon law/ meritime law. I am not or will never abandon any credits, funds held in any institution anywhere ever where it be in my XXXX XXXX best interest known or not known.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Social Security Number : XXXX Date of XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the 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 personal credit card account opened at XXXX XXXX, XXXX, and XXXX XXXX XXXX. Auto loan account opened XXXX XXXX XXXX in XXXX, and XXXX XXXX  opened around XXXX. Charge off accounts for XXXX XXXXXXXX XXXX, and XXXX XXXX XXXX XXXX XXXX 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit reports. I've attached a list of the hard inquiries in question below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 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.

I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the TransUnion credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint.
Product: Credit reporting or other personal consumer reports

This is my 23rd 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXXXXXX 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

XXXX allowed XXXX Unauthorized Credit Inquiries on my credit reports by : XXXX XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX and also by XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX and on XX/XX/XXXX. 
I have written both companies twice on XX/XX/XXXX and on XX/XX/XXXX. I provided them with a copy of the Police Reports to prove identity theft but they have n't removed anything.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
XXXX XXXX XXXX XXXXXXXX Balance Owed : {$11000.00} ; XXXX XXXX XXXXXXXX XXXX Balance Owed : {$11000.00}.
Product: Credit reporting or other personal consumer reports

Subject : XX/XX/year> Cease and Desist Notice Regarding Alleged Debt Request for Debt Validation To Whom It May Concern, This letter is a formal demand that you cease all communication with me regarding the alleged debt referenced in your correspondence, pursuant to 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ). 
I do not acknowledge any liability for this debt. Under federal law, you are required to provide proper validation of the debt, including but not limited to : 1. The original creditor 's name and address.

2. A copy of the original signed contract or agreement ( if applicable ).

3. An itemized statement of the amount claimed, including principal, interest, fees, and any other charges.

4. Verification that you are legally authorized to collect this debt.

5. Chain of title or assignment 6. Forward Flow Agreement Until this information is provided, you must cease all collection activities, including phone calls, letters, or reporting this debt to any credit reporting agency. Failure to comply with this request may result in legal action against your company for violations of the FDCPA.

Additionally, I demand that you cease all further communication with me regarding this matter, except for the required written validation of the debt. Any further attempts to contact me outside of compliance with 15 U.S.C. 1692c will be considered harassment and a violation of my rights under federal law. 
If you believe this debt is valid, you must provide the requested verification within 30 days from the date of this letter. If you fail to do so, I will consider this matter resolved and will take necessary steps to enforce my rights under the FDCPA, including reporting your violations to the Consumer Financial Protection Bureau ( CFPB ) and my state Attorney General. 
This letter serves as official notice under federal law. Please govern yourself accordingly.
Product: Debt collection

XXXX XXXX XXXX has billed me {$360.00} for medical services. XXXX entered the wrong insurance code during billing. I have made several attempts to correct this issue, for a deductible is never charged for XXXX XXXX XXXX Insurance . The collection Company, Franklin Service INCXXXX XXXX XXXX XXXX XXXX, XXXX, MS XXXX has intentionally reported a negative on my credit reports and sent a letter after I disputed the collection stating it would be sent to an attorney. This was the first letter I received from Franklin. I am requesting the Franklin Collection stop harassing, remove the negatives from all three credit reports, and provide me with a copy of the correct billing from XXXX, without my private health information.
Product: Credit reporting, credit repair services, or other personal consumer reports

two companies continue to report late payments on my consumer report that are inaccurate. i spoke with two representatives and both said they'd removal the late mark, but to no avail.
Product: Payday loan, title loan, or personal loan

I cant even login to my pnc bank account through XXXX to link it
Product: Credit reporting, credit repair services, or other personal consumer reports

DELETE FRAUD ALERTS AND EXTENDED FRAUD ALERTS XXXX # XXXX # XXXX EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN XXXX Experian XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR XXXX YEARS BEGINNING XXXX. 

XXXX FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE.