23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have been trying to work with XXXX to rehabilitate my student loans. They are staying my loan payments will be XXXX a month. I am XXXX years old widow and on a fixed income. They are not willing to work with me on a payment arrangement and are threatening to put a lien on my home. I have received up to 3 letters in one day threatening suit and legal action if I do not respond quickly. They call multiple times a day as well. I have health issues and this is creating enormous strain on my emotional health. Can something not be done to stop the bullying by debt collectors? I am willing to pay what I can afford.
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 {$0.00}, {$0.00}, {$1000.00}, {$920.00}, {$320.00}, {$1100.00}, {$17000.00}, {$0.00}, {$1600.00}, {$64.00}. 
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 ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX   XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$920.00} -This is not my account. 

5. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$320.00} -This is not my account. 

6. XXXX/XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1100.00} -This is not my account. 


-- AUTO ACCOUNTS 7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$17000.00} -This is not my account. 

8. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNTS 9. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1600.00} -This is not my account. 

10. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$64.00} -This is not my account.
Product: Credit card

Date of Incident : XXXX XXXX XXXX  Description of the Incident : On XXXX XXXX XXXX, I received a text from Chase Bank regarding a declined transaction of {$500.00} at XXXX  XXXX XXXX XXXX charged to my credit card. Responding that the transaction was unauthorized, Chase Bank closed my card and issued a new one. 

Upon reviewing my bank account, I noticed a pending {$500.00} transaction to the same merchant, XXXX XXXX XXXX XXXX. It was later discovered that there were two attempts of {$500.00} transactions, with only one being declined. Believing this to be a case of identity theft, I reported the situation to Chase Bank. I mentioned a recent incident where my wallet was temporarily lost but returned with all cards intact, raising the possibility of information theft. 

Chase initially reimbursed the {$500.00}, but approximately one and a half months later, the charge was reposted to my account. Chase explained that the merchant had successfully disputed my claim, presenting a copy of my driver 's license as authorization proof. This evidence was accepted without verifying the current validity of my ID or investigating how my ID was obtained by the merchant.

Additional Concerns : Inadequate Verification of Fraudulent Activity : The bank accepted the merchant 's proof without cross-referencing it with my current identification or considering the possibility of identity theft. 

Questioning of Lack of Police Report : Despite not having concrete evidence to file a police report at the time of the wallet incident, Chase representatives repeatedly questioned why I had not made one. This line of questioning disregards the complexity of identity theft situations where evidence is not always immediately apparent. 

Potential Internal Security Breach : Ironically, the last known instance of my ID being copied was at a Chase Bank branch. This raises concerns about internal security and the handling of personal information. 

Inconsistent and Incomplete Investigation : In a conversation with a Chase representative, after several attempts to reach a U.S.-based agent, the representative inquired about additional transactions not reflected in my statement. The representative offered to send me this information, but I never received it. This incomplete and inconsistent handling of the investigation further demonstrates the bank 's inadequate response to the situation. 

Lack of Support in Fraud Resolution : Despite my efforts to dispute the charge and provide context, the bank has not adequately investigated or resolved the issue, leading to financial loss and concern for my identity security.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
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
Product: Debt collection

ProCollect removed the account falsely reported from my credit profile and then added it back. This alleged debt is not owed because XXXX County Judge dismissed the case finding the Plaintiffs did not provide sufficient evidence and eviction was done illegally. The case was appealed from the XXXX Courts to a higher court who dismissed the case due to Want of Prosecution and plaintiffs lied. County Court Judge XXXX XXXX dismissed the case. This debt is not owed and the fact that they keep trying to report this to the credit bureaus shows that they are not only violating my consumer rights but also the FCRA and FDCPA. I have included the higher courts judgement regarding this case and the case was closed.
Product: Consumer Loan

I took out a title loan with Title Max, but shortly thereafter lost my job on XX/XX/XXXX. I paid the loan up to XX/XX/XXXX, but my employer fought the unemployment claim. I told Title Max on several occasions that they could come and get the car because I am not working and the car is just sitting there and accruing interest. I spoke to the Office Manager XXXX and several others and they keep stating they will allow more time, or see what they can do. I told them I do n't want anymore time and asked that they come and get the car. They have refused 4 times. Meanwhile the car has gotten a ticket for still being in the lot and not having proper plates since it has not been driven since XX/XX/XXXX. I am unemployed and have no way of getting the car to them ( gas money/XXXX ) since my unemployment is the last drop of money I have. I believe Title Max is stalling in order to have the highest possible interest rate activated since they no I can not do anything about the situation. I have spoken with them XX/XX/XXXX, several times in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. They continue to call and harass me about paying.
Product: Credit reporting or other personal consumer reports

PERSONAL STATEMENT CFPB I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX XXXX ( XXXX ) XXXX. XXXX  XXXX  ( XXXX ) XXXX. XXXX XXXX ( XXXX ) XXXX. XXXX XXXX ( XXXX ) XXXX. XXXX XXXX XXXX ( XXXX ) As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Debt collection

Received notice that if i took care of this debt it would be updated as paid as agreed but after 30 days it was not.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are a few inquiries that I did not apply for from XXXX, XXXX XXXX XXXX and XXXX. I did not apply for a personal loan nor these credit cards
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX, Social Security Number : XXXX, 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 TransUnion credit reporting agency XXXX XXXX, and XXXX, 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 starting with XXXX, an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number starting with XXXX, a student loan account opened at XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number starting with XXXX, Dept of XXXX XXXX XX/XX/XXXX under account number starting with XXXX, XXXX XXXX XXXX opened under account number starting with XXXX, and a collections account opened at Western Dental Services XXXX XXXX XX/XX/XXXX with a balance of {$2600.00}, a collection account opened under account number ending with XXXX at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$740.00}, a collection account opened under account number ending with XXXX at XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX balance of {$1200.00}, a collection account opened under account number ending with XXXX at Portfolio Recovery Assoc on XX/XX/XXXX XXXX XXXX balance of {$680.00}, a collection account opened under account number ending with XXXX at The XXXX XXXX XXXX on XX/XX/XXXX XXXX a balance of {$270.00} that appears related to the aforementioned personal. Also inquiries from XXXX XXXX XXXX XXXXXXXXXXXX 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 XXXXk. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card or prepaid card

XXXX I started the activation process, provided card #, SSN and Sec Code. Then, the automated service cut me off and transferred me to a call person. Wait 20 minutes, they called back, asked for my SSN, I was uncomfortable giving it out, he transferred me to automated service, there were two automatic messages going at the same time, so after about 10 minutes listening I hung up. Now, when I call back, after I enter all my data, it just says " unable to complete '' and hangs up. This is the same process for activation or to speak to a rep, so I am unable to speak to someone or get the card activated. It almost look like a scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX account # XXXX has violated my rights. 



Inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX. XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX. TransUnion XXXXXXXX XXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX. XXXX/XXXX/XXXX TransUnion XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX 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

To whom it may concern, I reveiced a copy of my XXXX and XXXX  report and notice that XXXX Is still associated on my credit report, Attached is proof that this account has been deleted from my XXXX  and XXXX. And no longer reports as valid. I've sent several letter to Equifax and ftc report To have this account removed, because it don't belong to me. I've also sent follow suit letter to Equifax. The account still still shows inaccurate. With this account on my profile its not showing my true credit history. I contacted Equifax countless of times. To have this account removed. I've attached my credit report to show where XXXX and XXXX removed the account from my credit profile.
Product: Debt collection

Someone opened an account under my information and had three phone bills with XXXX XXXX XXXX under account number XXXX amount {$2700.00} date XX/XX/XXXX to XX/XX/XXXX Several accounts have also been created under my identity I only know of two so far that have been charged unnsure of the res but it does show that i owe {$6100.00} XXXX  XXXX XX/XX/XXXX {$600.00} XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX {$630.00}
Product: Mortgage

USAA processing my loan XXXX XXXX and XX/XX/2021. After I received a copy of the notice of value they changed the repair requirements and never sent it to me. It was 20 days later when they sent it to me and said I could pay extra to extend the rate lock since I didnt get the repairs finished. I was told that only the processor received the updated XXXX and I should just go on that even though I didnt see it until 5 days before trying to close.
Product: Student loan

I requested Mohela to put me on a payment plan with the lowest monthly payment. That would have been the Repaye ( Save ) plan. I qualify for a {$0.00} monthly payment. My servicer ( Mohela ) changed me from the Save plan to the Paye plan that requires a monthly payment of {$41.00}. They do not have my best interest in mind. I have reapplied for the Save plan but I am afraid it will not be processed in time for me to take advantage of the {$0.00} monthly payment it offers. I want this fixed. I want Mohela to have my best interest in mind, and put me on the Save plan which offers the lowest monthly payment. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint Details This company is on my Credit report saying I ow them {$760.00}, i called the creditor XXXX says i dont owe them anything. I am on unemployment because of the Covid19, im already stressed out, dont want to be harrassed, and want them off my credit report please. Thankyou very much. And if you find i owe, I can settle for {$300.00}. 


This message originally read on XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX, VA, XXXX THEN I CONTACTED THE XXXX XXXX XXXX, THEY DID HEAR ANTHING AND TOLD ME I ALSO CAN CONTACT YOUR OFFICE. 

Dear XXXX XXXX : Thank you for contacting the XXXX  XXXX XXXX.This message is in regards to your complaint submitted on XX/XX/2020 against Midwest Recovery Systems, LLC.. Your complaint was assigned ID XXXX. 

Now that I have filed, what is the next step? 

We have accepted your complaint and have forwarded it to thebusiness for their response. We have asked the business to reply promptly, butsome disputes may take  longer than others to conclude. Please be patient as we work to ensure thatyour concerns are addressed. 
What if I do not agree with the response from thebusiness? 

It is important for both parties to maintain realisticexpectations and respond in a professional, fair and courteous manner. Our goal is for you and the business to beable to work towards an amicable solution. Should this prove difficult, we mayoffer you and the business the opportunity to participate in mediation orbinding arbitration. More informationabout these options can be found at XXXX What happens if a business does not respond? 

The XXXX  will make every effort to obtain a response from thebusiness, but some businesses simply do not ever contact us. The XXXX  is not an enforcement agency. Wecannot compel a business to respond. However, failure to do so may result in anegative impact on their XXXX  rating, which may drive away future customers. TheXXXX   can also refer you to other agencies that may be able to assist you, depending on the specific nature of your complaint. 
Feedback from consumers is vital to XXXX. We appreciate yourwillingness to report this information to us. We look forward to helping youand the business work toward a resolution. Please do not hesitate to contact mewith any additional questions or concerns. 

Sincerely, Dispute Resolution Department XXXX XXXX XXXX XXXX XXXX Fax XXXX XXXX
Product: Mortgage

On XX/XX/2017, I had made a mortgage loan payment to Guild online in the amount of {$1400.00}. And I always pay online to avoid the phone payment fee. I received email confirmation when it was submitted and processed and when it is posted as usual. A few days later, I checked my bank account, and discovered there was another loan payment made by phone to guild mortgage, but the amount was XXXX ... after talking to my husband, he and I both know neither of us made this payment on XX/XX/XXXX by phone. I called Guild and they said it was a phone payment but could not or would not tell me who called to make payment or what phone number called in pmt. They were quick to tell me they would refund the XXXX and that I just needed to send email to XXXXXXXXXXXX. so, I did and sent proof where is showed unauthorized payment on my bank statement. Now today, they sent me an email stating the below : From : Customer Service XXXXXXXXXXXX Date : XX/XX/2017 XXXX ( GMT-XXXX ) To : XXXX ; XXXXXXXXXXXX Subject : Re : Loan no. XXXX - refund for duplicate payment not authorized by customer on XX/XX/2017 XXXX morning, A refund has been submitted for {$1400.00} for the duplicate payment that was made. Once the refund has been processed, the check will be sent XXXX O/N to the property address ( probably be sent out on Monday XX/XX/XXXX ). The overdraft fees will not be reimbursed as both payments were made by someone who had access to your personal Guild Mortgage account information. This is not an error by Guild Mortgage Company. Please call Customer Service at the number below if you have any additional questions or concerns. Thank you! 


Sincerely, CustomerService Guild Mortgage Company Telephone : XXXX Fax : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX www.guildmortgage.com Company XXXX # XXXX Equal Housing On Thu, XX/XX/2017 at XXXX, XXXXXXXXXXXX wrote : Please refund the loan payment not authorized by customer made on XX/XX/2017. See attached bank statement showing duplicate pmt. Only authorized pmt was made on XX/XX/2017 in the amount of XXXX made online .... would like to know who tried making payment on XX/XX/2017. Also would like to be reimbursed for bank overdraft charges in the amount of {$100.00} since this was error on Guild mortgage part. 

Thank you, XXXX XXXX XXXX I do n't feel this matter is being handled in the proper manner and I would still like to know who called in payment and what number they called from. This is very serious and has handicapped my family in more ways than one. I need answers. This seems like fraud to me as well as my bank, XXXX. 

Thank you for your help. 

Sincerely, XXXX and XXXX XXXX
Product: Debt collection

I am writing to you to address the need for urgent medical care that I just recently incurred. I was under the impression, after my visit and multiple calls to the hospital that I had satisfied all my outstanding balances for 2021. 
After being harassed for months about a couple of medical bills that I assumed that I had already taken care of and coming to the realization that maybe these bills were from a different occurrence, based on the dates I was told over the phone, I was informed that I had a balance of approximately $ XXXX {$800.00}. 
After confirming the balance and after weeks of hard work to come up with the funds to pay my bill, I called to pay my balance in full and was now informed that the bill is now a total of {$1600.00} plus I was informed that they had opened two more new accounts based on two " new '' medical room visits, which I have no recollection of occurring.