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

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX Company Inquiries XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

This is now the third complaint I have sent to CFPB after  Ditech.      For the same reason, there seems to be a concentrated effort to relay contradictory or false information to us. Today is   XXXX   XXXX   XXXX    , and we just got off the phone with them. On Friday,   XXXX   XXXX  ,  Ditech left  a door hanger saying call this number for important info regarding the loan. So we called. No answer and no response to calls and voicemails left on Monday the  XXXX . Friday we called. We spoke to an  XXXX , who was finally able to confirm they did receive loan mod docs but it was rejected. She said THEY NEVER RECEIVED ANY COMMUNICATION FROM  US  about a settlement offer. Which we have sent them multiple times! We even sent CFPB a copy the last time I issued a complaint. This is very stressful and to hear they have not received documents which they confirmed they have already received in the past is so frustrating for our family. We are truly doing our best to resolve this issue with  Ditech. Ditech k eeps changing the documents they received vs what did not receive. What can I do to get some consistency from the correspondence from them? This is a dire situation for our family and we are scared our homes. We are doing our best to comply wit h Ditech but  they keep losing our information.
Product: Debt collection

XX/XX/XXXX XXXX  and XXXX. XXXX, CA My Insurance was/is XXXX with XXXX XXXXXXXX XXXX 
XX/XX/XXXX XXXX XXXXXXXX XXXX sends invoice for services doing business as XXXX XXXX XXXX XXXX is to made out to : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX in XXXX XXXX, NV XXXX Partial listing of my letter writing attempts to resolve this issue : I wrote to Envision at the address in XXXX XXXX explaining I am waiting for the XXXX information to verify my share of the cost. No response I receive an invoice from XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX  in which the 'Explanation ' column indicates 1. Insurance coverage terminated 2. Insurance patient responsible : no coverage on DOS. 
I write to XXXX XXXX XXXX XXXX XXXX XXXX XXXX  in XXXX XXXX confirming my XXXX and XXXX XXXX  coverage. No response. 
From XXXX I received detailed information regarding all other related costs. I have yet to receive from XXXX any information related to this cost. 
XX/XX/XXXX I received a letter from debt collector XXXX XXXX XXXX XXXX. I respond that the debt is in dispute. 
My further attempts to resolve this issue include On the Internet I found a local office for XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XX/XX/XXXX I sent letters via Certified Mail to Envision in XXXX XXXX *Same XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX in XXXX XXXX XXXX XXXX XXXX 
XXXX, CA XXXX All of the letters were accepted at the addresses. No responses. 
XX/XX/XXXX I receive letter from debt collector Credence Resource Management Texas license. Mailing address : XXXX XXXX, XXXX, MI XXXX. I respond by Certified Mail 1. Debt is in dispute 2. I want them to send me name and address of original creditor. No response. 
XX/XX/XXXX I receive a phone call from Credence. The phone volume of the representative was hard to understand. We confirmed my home address and I hung up. I am sending a letter via Certified Mail telling Credence to cease from contacting me and reporting to any relative company or credit bureau that the debt is in dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

unauthorizes inquiries on my XXXX XXXX report SYNCHRONY FINANCIAL XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX - XX/XX/2021 XXXX XXXXL XX/XX/2021 Location XXXX XXXX XXXXXXXX XXXX, OH XXXX XXXX ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX XX/XX/2021 Location XXXX XXXX XXXX XXXX, FL XXXX XXXX ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX ( XXXX ) XXXX Inquiry Type Individual
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the errors on my credit report multiple times but it is still showing on it. The credit buraus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report.
Product: Debt collection

Synchrony Financial stated that I opened an account with them, thru Mattress Firm, in XXXX of XXXX for the amount of {$1200.00}. I have never opened any line of credit with them, nor do I have any association with this company. The account went unpaid and ended up with a negative balance of {$1300.00}. 

I have been sending letters with them, back and forth, since XXXX of XXXX to have this claim removed from my file and Synchrony has continued to " verify '' the debt being mine by sending a bill but has not provided me with any contracts, or documents, housing my signature that would truthfully verify that this debt is mine. 

In XX/XX/XXXX, Synchrony closed the account under " lost or stolen credit card '' and opened a new account under my name that same month. Last month, on XX/XX/XXXX, they reactivated the " lost or stolen credit card '' account, along with the open account and added extra debt to my credit file. Now they are claiming I owe a total of {$2700.00}, all while failing to provide me with any documentation that the debt is mine, nor any explanation as to why I am being asked to pay for, what is now, two accounts that are not mine.
Product: Credit card

Target, in an act of utter indecency and immorality and abject lack of compassion, continues to charge me late fees even though I do try to pay on time their outrageously high interest rates!

There are a cruel lot! Indeed they are!

And so I want my Target credit card immediately cancelled and all fees removed!

FURTHERMORE and very seriously, the prices on Target 's shelves often do not match up at the check-out counter and I have complained to the XXXX XXXX, New Jersey Department of Consumer Affairs and the XXXX XXXX Prosecutor! 

A company that can't keep its prices straight is demanding my pay its " fees ''? NO WAY!
Product: Bank account or service

I deposited a credit card check, drawn on XXXX XXXX XXXX, on XXXX XXXX, 2016, for the amount of {$1000.00}. My bank, Wells Fargo, made {$1000.00} available to me. Then, the next day, the check was returned. Because Wells made the funds available to me, I spent approximately {$400.00}. Wellsfargo took the funds back, and now I have a negative balance. I 'm homeless. Wells Fargo is not able to help me. Some agent and or principle of the bank needs to credit my account so that I can buy food, clothing, and shelter. Thank you.
Product: Debt collection

XXXX XXXX A XXXX  credit card was open using my name. I did not know about this credit card debt until I got served with judgement papers on XX/XX/XXXX. I called the company which did not even had my whole first name. I asked them to send proof this debt was mine. XX/XX/XXXX I received over 300 pages of account statement all date starting on XX/XX/XXXX. According to XXXX XXXX XXXX XXXX  I made a payment on the amount of {$160.00} dollars on XX/XX/XXXX. I send then a reply to judgment with my partial bank statements ( all personal information was left out as well as my bank routing and account number ) that proves I never made a payment to XXXX  credit card as they mention. or neither I have paid anything on this debts because its not mine. On my conversation on XXXX, XXXX with XXXX and associate debt collector i told then not to contact me no more by phone or mail. And I am willing to hire a lawyer to represent me on court in regard to this matter.
Product: Credit reporting or other personal consumer reports

Ive attempted to resolve these issues by contacting XXXX through disputes on XX/XX/XXXX regarding world finance for the amount of {$350.00} but Ive never received a debt validation letter also the amount changes every time I speak with someone over the phone on XX/XX/XXXX. XXXX XXXX XXXX XXXX has also never given me a notice of this balance of {$600.00} and now its gone up to {$760.00}. I have attempted to contact XXXX though disputes, letters and phone calls to have them look into closed world financing and XXXX XXXX XXXX XXXX that are reporting as late but its always coming back a valid ( XX/XX/XXXX ) which I dont understand if they are closed accounts. I truly believe something is not adding up with my credit reporting regarding all 3 accounts
Product: Mortgage

In XXXX 2015, I applied to refinance my HELOC with my existing mortgage company, PNC. I was informed that even though my FICO score was XXXX, I needed to have " XXXX successful trades '' in order to refinance and receive the same product. I was told I had only XXXX trades. I asked repeatedly what specifically was meant by a " trade '' but was never given a real answer. I was told it was a government guideline/regulation and XXXX the bank could not get around. I was informed, after asking, if paying off XXXX more bill would make a difference and told that it should. I rescinded my application, paid off a bill and three months later -- in XXXX 2015, reapplied. My FICO score is now XXXX and I am still being told that I do not qualify for a HELOC but must settle for an interest plus principal-type product. During this second attempt, I was initially told I needed a XXXX FICO score and " XXXX trades. '' Both of which I obviously had back in XXXX and then again in XXXX. I was later told I did n't have " XXXX trade lines. '' I have repeatedly asked for a federal regulatory number or other identifying information to corroborate this guideline they are using to deny my application for a HELOC and I am consistently denied this information. Each time I speak with a different loan specialist, I am given different information. I have your organization and others for information but no one has ever heard of such criteria. At this point, I can only assume this jargon is particular to PNC and used to deny clients certain products in the hopes that they can be assuaged into the lending product XXXX that PNC is currently XXXX on its clients to meet their profit margin. Please please look closely into PNC 's lending practices in NJ. Thank you.
Product: Credit reporting or other personal consumer reports

I have found an account on my credit report that I did not authorize ; pursuant USC Title 15 1681, this account need to be removed immediately. I am writing to request immediate federal intervention regarding this unresolved, fraud of identity theft on my credit report by : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. The fraudulent accounts remain on my report. This negligence violates my rights under the FCRA and continues to inflict financial harm.
Product: Debt collection

In XX/XX/XXXX I received a phone call from XXXX XXXX regarding a debt. The man I spoke to said he was trying to collect a balance that was delinquent of {$1700.00} from XXXX XXXX. I told the agency that I do n't have an account with XXXX. I never requested an alarm system. I told Hillcrest to send a copy of the contract I supposedly signed. Hillcrest said it had to request the copy from XXXX.Till this day I have n't received any paperwork. I called XXXX on XX/XX/XXXX spoke to XXXX regarding a copy of the contract she said I had to go through Hillcrest. I told XXXX that Hillcrest said they had to request it from XXXX. I asked to speak to a manager. I spoke to XXXX she is a supervisor. XXXX told the same thing XXXX said. Then I asked to speak to XXXX 's manager. I spoke to XXXX the manager. She said she would email me what documentation she had by end of day. I 'm still waiting. I never spoke to XXXX XXXX in person, by phone, email, etc regarding an alarm system. I never authorized XXXX XXXX to run my credit.
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 the XXXX partial account number XXXX. ( Please see page 11 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: Student loan

In late XXXX I celled Navient in reference to getting information about their loan consolidation process ( and the public safety loan forgiveness program ). I was told to fill out the loan consolidation paper work and submit it. Once I got the confirmation letter stating that the consolidation was being considered, I called and spoke with a lady about the terms. Once she ( half heatedly ) explained the terms of the consolidation I declined it. She said she would note that I declined the loan consolidation and send me further information because I did not understand the terms. I stated on their recorded line several times during that conversation that I declined the consolidation and then we finished our conversation. I assumed that that was that. About four weeks later I get information in the mail stating that my first consolidation payment is due XX/XX/XXXX.  I called again and spoke to a gentleman who said he 'd speak to a supervisor about me declining the consolidation. They said that they would investigate the recorded phone lines and get back to me in seven working days. Now, I can not get any answers and the consolidation payment is due. I am concerned that if I make the first payment that that will seal the deal. Can they actually do this to me. The loan is for XXXX months and the interest rate is like XXXX  percent. I did not give them permission to do this. Can someone help me?
Product: Credit reporting

I filed a dispute with Experian on an inaccuracy back in XXXX. I have yet to get a response and this dispute was with regard to a public record that is preventing me from getting a loan. I sent in proof that the account was taken care of. Actually the account was entered in error to start with. I need this taken off of my report so I can move forward
Product: Debt collection

I sent Alliance Collection Agency a certified letter on XX/XX/XXXX, that they signed for on XX/XX/XXXX, stating that the debt is disputed. On XX/XX/XXXX 30 days after they signed for the mail they did not have the account stating disputed on all 3 credit bureau 's. I requested validation bearing my signature stating that I am contractually obligated to pay Them. I stated to them, if they could not provide me with this information ( and they still have not ) within 30 days of receipt of this letter, they must request that all credit reporting agencies delete the entry as per FDCPA 807 [ 15 USC 1962e ]. I also sent a follow up letter on XX/XX/XXXX as of today XX/XX/XXXX they have not complied. These accounts were paid by workers compensation. It is there responsibility to validate debts before they purchase them, which they did not do.
Product: Debt collection

I keep getting messages from a collection company about repaying debt that does not match my name. I told them I am not the individual, and they give out information about the person who is in debt, personal information such as name. 

I don't want to be harassed about debt that is not mine, and they should confirm recipient before sharing. I should not be learning about a random persons debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX** Balance Owed : {$0.00} XXXX XXXX**** Balance Owed : {$510.00} XXXX XXXX XXXX XXXX**** Balance Owed : {$3500.00} UNITED REVENUE CORP XXXX** Balance Owed : {$770.00} These accounts are involved in litigation and do not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Product: Credit reporting or other personal consumer reports

Re : You are in violation under 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated Credit Information and 15 U.S Code 1681e ( b ) Compliance procedures maximum possible accuracy. 
To Equifax Recently I did an investigation on my credit report which caused my severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure was reporting 100 % correct. Under XXXX XXXX XXXX ( b ) ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
I Know that Under 15 U.U Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. Thanks for your help with this matter XXXX. Under 15 USC 1666B this is a billing error always payee as agreed on time this is an error this account in violation XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
XXXX. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX Date of inquiry : XX/XX/2023 This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I notified companies that reported to the credit reporting agencies that there was fraud committed about my credit that they reported.However these concerns went unresolved and more fraudulent actions were taken against me. I sent registered letters explaining that I had never used or made any transactions nor permitted any one else to make any transactions, and that I requested any and all information including a original contract signed by me also all receipts signed by me that was used against my credit any payments that I made concerning these fraudulent accounts. I explained that I would gladly payoff these accounts if they were mine if they can produce the things I requested to prove that I am responsible for these debts. All of these complaints and letters have fallen on deaf ears
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding inaccuracies found on my credit reports provided by the three major credit reporting agencies ( Equifax, Experian, and TransUnion ). Specifically, I am concerned with the XXXX  account reporting different balances across all three reports. These discrepancies violate my rights under federal law and I am requesting immediate rectification of these errors. 

Summary of the Issue Upon reviewing my credit reports, I noticed that my XXXX account shows different balances on each of the XXXX credit reports. The varying balances are as follows : Equifax : [ {$XXXX} ] Experian : [ {$XXXX} ] TransUnion : [ {$XXXX} ] These discrepancies are significant and misleading, negatively impacting my XXXX XXXX and my financial standing. The presence of inaccurate information on my credit report violates several consumer protection laws. 

Relevant Laws 1. Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681e ( b ) The Fair Credit Reporting Act ( FCRA ) mandates that credit reporting agencies maintain reasonable procedures to ensure the accuracy and fairness of the information provided to consumers. Under 15 U.S.C. 1681e ( b ), the FCRA requires that credit reports be accurate and that consumers have the right to dispute any inaccurate or incomplete information. The varying balances reported by XXXX on my credit reports clearly violate this provision, as they do not reflect accurate and consistent data. 

2. FCRA - 15 U.S.C. 1681i Under 15 U.S.C. 1681i, if a consumer disputes inaccurate information in their credit report, the credit reporting agency is required to investigate and correct the error. As I have identified discrepancies in the XXXX account balances, I request that the credit reporting agencies promptly investigate and remove these inaccuracies in accordance with the FCRA. 

3. Fair Debt Collection Practices Act ( FDCPA ) - 15 U.S.C. 1692e The FDCPA prohibits the use of any false or misleading representations in the collection of debts. This includes inaccuracies in reporting balances that mislead creditors and potential lenders regarding my creditworthiness. These inaccuracies may result in improper collections activity, which is a violation of my rights under the FDCPA.

Request for Action Given these clear violations of my rights under the FCRA and FDCPA, I request the immediate removal of these inaccurate accounts on all three credit reports. I also request written confirmation from the credit reporting agencies regarding the resolution of this matter.

If the inaccuracies are not rectified in accordance with the FCRA and FDCPA, I will consider taking further steps, including legal action, to ensure my rights are protected.

Thank you for your prompt attention to this matter. I look forward to receiving confirmation of the resolution.
Product: Money transfer, virtual currency, or money service

I invested in XXXX and XXXX  through Coinbase on XX/XX/XXXX in the amount of {$5000.00}. 
Apparently my account was hacked on XX/XX/XXXX. 

I have tried many times over last few years to contact Coinbase support but it is impossible to talk to anyone and their online support asks for information with an email that can not be replied to and they auto-close the ticket after a few days. 

This company is a complete scam/fraud with no customer support available.
Product: Debt collection

The company National Credit Management ( Rep. XXXX XXXX ) has contacted my place of employment multiple times when being told by my employer that I can not take phone calls unless important, as well as been told by myself to not contact me at work.
Product: Credit reporting or other personal consumer reports

I'm contacting you about fraudulent personal information linked to my identity. Accounts and transactions have been wrongly attributed to me without my awareness or approval, causing significant distress. As a victim of identity theft, I've already reported this incident. This situation urgently needs addressing due to its negative impact on my finances and reputation. I request your help in swiftly removing all fraudulent information from my credit report and thoroughly investigating this matter. I'm ready to provide necessary evidence and, if needed, take legal steps to defend my rights and seek compensation.