23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

A letter of Intent to collect a debt was sent to me from : UNIFIN, Inc. 
( XXXX ) XXXX E-MAIL : XXXX Unifin REFERENCE # XXXX, Debt. Description : XXXX XXXX " Original Acct. # XXXX '' " Original Creditor XXXX   XXXX  '' " Current Creditor : XXXX XXXX XXXX XXXX '' `` XXXX XXXX Ref Number : XXXX '' " Amount Due : {$880.00} '' " Proposed Discount Offer {$440.00} or 3 monthly payments of {$190.00} '' -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Since my first Wireless phone service, back in XXXX, until today, my PROVIDER has been XXXX and NOBODY else ever.
Product: Debt collection

A debt which is not mine nor did I agree to for {$270.00} was placed on my credit profile in XX/XX/2023. The original creditor is XXXX. 
The current debt collector name is Waypoint Resource Group. I contacted both XXXX, XXXX to inform both credit bureaus the debt is not mine. Several months prior, this same account was held by a collection agency called XXXX. I disputed the same account held by XXXX ; and it was removed from my credit profiles. Now, it has been resold to Waypoint Resource Group and placed back on my credit files. First of all, this is not my debt, I have not nor have I ever lived at the address the where the account is billed from. I have sent letters requesting XXXX and XXXX to show me proof of a contract such as my signature. They have refused to provide me with proof that I requested, and they sent me a letter stating the debt is accurate.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER:XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within XXXX business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX XXXX : number XXXX XXXX XXXX XXXX : number:XXXX
Product: Mortgage

My escrow analysis was ran XX/XX/XXXX and I was told my escrow shortage amount was XXXX originally by a representative on XX/XX/XXXX. He told me that if I paid that amount in full my new monthly payment would be XXXX every month until next year 's analysis is ran. Well, I called again on XX/XX/XXXX spoke with a Rep named XXXX and was told that after I sent in an amount of XXXX into my escrow shortage. That the remaining balance was only XXXX and when I called on XX/XX/XXXX I spoke with another representative and they stated again that my shortage amount in my escrow was XXXX. Well then on Monday XXXX/XXXX/XXXX spoke with an escalations representative who told me that what I was told was not correct, but that she sees where they told me that after I paid the shortage amount of XXXX that my final balance would be XXXX as my new monthly mortgage and that she would be escalating it over to the escrow department so that they would honor what I was told of the XXXX. But called back today and still no answers and getting the run around from every one I talk with. Now my mortgage is due on Saturday and still no resolve with why I am now being told XXXX a month for my mortgage instead of the amount of XXXX that I was told originally. This company is horrible and trying to get extra money out of me and this is very bad business.
Product: Checking or savings account

On XX/XX/2022, Wells Fargo Bank was served a legal order by the XXXX XXXX County Sheriff Department. The legal order is for a person with the same first and last name, but different middle name and address. The name is a common XXXX  name. {$15000.00} was erroneously withdrawn from the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Greenlight XXXX is reporting a debt on my credit report that is no longer owed. I paid this debt off months ago and they are still reporting a balance on my credit. This is erroneous as I already paid the debt and it should not be reflecting on my credit report.
Product: Money transfer, virtual currency, or money service

On XX/XX/22 I submitted complaint to CFPB, complaint ID : XXXX, and got the response from Citibank XXXX XXXX XXXX XXXX but Citibank is not a responsible Bank as a sending Bank. 
Citibank Transfered the fund through the corresponding Bank XXXX Bank XXXX ), and according to Citibank, the fund was received by the corresponding Bank XXXX Bank XXXX ) on XX/XX/22, due to the XXXX ( local clearing system ) code was invalid, the fund could not be credited to the final Beneficiary Bank XXXX Bank XXXX XXXX, XXXX XXXX XXXX ). 
I have emailed the XXXX code to Citi XXXX XXXX XXXX, email correspondence for almost 2 months, at the final end Citibank just asked me to inform the final Beneficiary to contact their Bank XXXX XXXX, XXXX XXXX XXXX ) to investigate Bank XXXX for the transfer fund. 
Citi XXXX Bank XXXX Bank XXXX ) will only accept the instructions from Citibank, the final Beneficiary Bank is not in a position to investigate the transfer fund. 

I hope people should be careful to do transaction with Citibank, I have lost the trust in Citibank.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX Date : XX/XX/year> To : FactorTrust , Inc. XXXX XXXX XXXX XXXX, GA XXXX Subject : Request to Update XXXX XXXX with Phone Number Dear FactorTrust Support Team, I am writing to request an update to my public records in your database. Specifically, I would like my current phone number to be added or updated in your records to ensure the accuracy and completeness of my profile. Details to Update : Phone number : XXXX I have attached proof of my identity and documentation verifying my current phone number for your review. Please let me know if additional information or documentation is required to complete this request. I kindly ask that this update be processed promptly. Once completed, I would appreciate confirmation of the update to my public records. Thank you for your attention to this matter. Please feel free to contact me at XXXX or via email at XXXX if you have any questions or need further information. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous communications regarding the fraudulent items with charge off accounts with incorrect balances that have appeared on my account. Despite my prior XXXX attempts to address this issue, I regret to inform you that the fraudulent items remain unresolved. 

The continued presence of these charge off and innacurate personal information not only compromises my financial security but also affects my trust in your company 's ability to protect my interests as a customer. The lack of resolution has caused me significant stress, inconvenience, and potential financial losses. I have attached all relevant documentation once again, including account statements highlighting the fraudulent items and any supporting information that could aid in the investigation. I understand that resolving such issues can take time, but the prolonged delay in addressing this matter is unacceptable. Please keep me informed of the progress and steps being taken to resolve this issue until it is fully addressed. With this, I am asking for your assistance to remove the charge off accounts and innacurate personal information : XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXX Balance : {$6200.00} XXXX XXXXXXXX XXXX Balance : {$720.00} XXXX  XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX.
Product: Credit card or prepaid card

I went to the ATM at XXXX  XXXX in XXXX XXXX to withdraw XXXX I put my card in the machine followed the prompts. The ATM said to take my card I did and out came the receipt but no money followed. So I went to the clerk and he said I would have to dispute it with my bank so I have done that three times already. And I have all three times sent the pictures of the ATM reciept and how after the transaction it said out of service I even called the number on the ATM it has a option if you didn't receive your money from the ATM do this so I have called them twice and left messages no reply. I'm frustrated at how a company can steal a person money all they have to so is look at the camera or investigate this matter properly but they are not so I'm asking that you guys please help me to recover my .only your help in this matter is greatly appreciated.. I have also requested the supporting documents that they are basing there decision off of. The last image is the only thing they have produced thus far.
Product: Checking or savings account

My Credit Karma Spend account was fraudulently drained of {$4400.00} thru several XXXX transactions. I do not have a XXXX account so therefore those charges could not have been initiated by me. I did lose my mobile phone with all my accounts/passwords stored in it. That seems to be how/when the withdrawals began. I lost access to phone number, email, everything. By time I noticed anything was going on with my account, {$4400.00} had already been taken. I notified Credit Karma of the unauthorized use, I informed them of my phone being stolen and any charges made were not my doing. I've provided new phone #, locked cards, etc. I have submitted several dispute claims all but XXXX have been denied. {$190.00} was successfully returned to me. The withdrawals that were made within XXXX of my claim, were in fact returned to me. All the other transactions, denied. But it doesn't make sense because the transactions that were successfully returned to me, were the same XXXX names that Credit Karma denied me for. I never had the credit karma app nor did I receive email notifications so there was no way of knowing when withdrawals were occurring or else I would have contacted XXXX alot sooner than i did. I am not understanding why my dispute claims keep getting denied. Especially when XXXX approved some charges, but other charges made by the same exact name were denied.
Product: Student loan

XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XX/XX/year> ED FINANCIAL Dear ed financial XXXX hope this letter finds you well. I am writing to inquire about the impact of student loan forgiveness on my credit score and overall credit history. As you may know, there has been significant discussion regarding federal student loan forgiveness programs, particularly in light of recent government initiatives to provide relief to borrowers. 

Having been a responsible borrower in the past, I am now working towards understanding how my eligibility for loan forgiveness would affect my credit standing. Specifically, I would like to clarify the following : Impact on Credit Report : Will the forgiveness of my federal student loans be reflected in my credit report, and will any of the debt be marked as " paid in full '' or " settled ''?

Credit Score : Can you provide insight into whether my credit score will be positively or negatively affected upon the forgiveness of my student loans, particularly if the forgiven amount is substantial?

Post-Forgiveness Status : After my loans are forgiven, will my account be marked as closed or as " paid off '' on my credit history? Will this affect my creditworthiness in the future when applying for new lines of credit, mortgages, or other loans? 

Next Steps : If I qualify for loan forgiveness, is there any action I need to take on my end to ensure that it is accurately reported to the credit bureaus? 

I appreciate your time and assistance in helping me understand how student loan forgiveness will influence my credit. I look forward to your response and any advice you can provide on managing my credit during this process. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I pulled my credit report and there is a account called discover credit card with a XXXX balance I didnt apply for and I called discover over and over and explain that didnt apply for this account and they have started a investigation and after 90 days I was told I wasnt responsible for it and the next day I was receiving calls from the debt collectors and I explain too many times that I didnt apply for a discover card   and its on my credit report and XXXX refused to remove it from my credit report after It was blocked again this morning on XX/XX/2019 I called XXXX today and see if they block the account and they said they are unable to block it and Told me I need to contact discover to reopen the dispute
Product: Mortgage

Contacted by Rocket Mortgage about refinancing my home for a lower interest rate. So i agreed, it started to become a nightmare because they kept checking my credit and my score went down 47 points. I cancelled the refinance and indicated the reason why and asked them to stop checking my credit due to the issue it was causing, they ignored my request and continued to check my credit driving the score even lower. I've emailed them asking them to remove the inquires and was ignored. 

I am not happy with the results of my complaint. It is being brushed off. I want the inquires removed. I have attached documentation to show what occurred. 

Why isn't what i am indicating being ignored and just because they answer with some story the final word. No further investigation, no nothing????
Product: Debt collection

PLEASE REMOVE OR DELTE ALL OF THE FOLLOWING UNAUTHORIZED FRAUDULENT ACCOUNT FROM MY CONSUMER REPORT. 

MIDLAND CREDIT MANAGEM ( Original Creditor : XXXX XXXX XXXX XXXX  ) ACCORDING TO THE FCRA IT IS A VIOLATION. 

I AM UNAWARE OF THIS DEBT. I DID NOT HAVE THE OPPORTUNITY TO DISPUTE THIS DEBT. I DID NOT RECEIVE PROPER NOTIFICATION. IF IN FACT YOU BELIEVE I RECEIVE PROPER NOTIFICATION. PLEAE PROVIDE THE CERTIFIED MAIL WITH THE RECEIPT WITH MY WET SIGNATURE ON THERE STATING I RECEIVED IT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below is not mine. I sent in multiple letters and haven't received any response yet about my complaints. I don't understand why? Please help me out. 


-US DEPT ED XXXX XXXX XXXX -DEPTEDXXXX   XXXX -DEPTEDXXXX XXXX -DEPTEDXXXX XXXX -DEPTEDXXXX   XXXX -DEPTEDXXXX XXXX -DEPTEDXXXX XXXX -DEPTEDXXXX   XXXX XXXX XXXX XXXX XXXX XXXX -XXXX  XXXX -DP OF EDUC Equifax : XXXX
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 {$10000.00}, {$640.00}, {$10000.00}, {$6500.00}, {$15000.00}, {$12000.00}, {$0.00}. 
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 ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXXand the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

2. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$640.00} -This is not my account. 


-- CLOSED ACCOUNTS 3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

4. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6500.00} -This is not my account. 

5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account. 

6. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

7. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX XXXX, and I am taking the time to compose this message. It has come to my attention that there have been several counts open using my personal information fraudulently. The listed accounts in this document are not mine and should not be reflected in my report. According to 15 US Code section 1681-C-2, a consumer reporting agency shall block and remove the reporting of any information in the file of a consumer that the consumer identifies that this information resulted from alleged identity theft. I am demanding the removal of these accounts immediately. ADDITIONAL UNAUTHORIZED HARD INQUIRIES TO BE REMOVED : 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
Product: Payday loan, title loan, or personal loan

THIS STARTED IN XXXX OF 2020 STERLING NATIOAL BANK OFFER ME A LOAN OF XXXX AND I PAY XXXX FOR INSURANCE AND XXXX FOR XXXX THEN THEY WANTED ANOTHER XXXX SO TOLD THEM TO CANCEL MY LOAN ... .THEY TOLD ME I WILL RECIEVE MY XXXX BACK IN WHICH I HAVE NEVER RECIEVED IT BACK YET ... .I HAVE CALLED SEVERAL TIMES AND THEY GIVE ME THE RUN AROUND ABOUT MY MONEY.THERE NUMBER THEY CALLED ME FROM IS XXXX.I STILL HAV ALL MY CALLS IN MY PHONE FROM THEM ...
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Vehicle loan or lease

My car was totaled do through hail storm damage. I was paying GAP protection on the car. The car was paid off by the insurance and after confirming payment it was still reported as delinquent. The problem was address by agency when buying my home. I never revived payment on the GAP after car was paid off.
Product: Credit card

there was a double payment on my amazon store card. I called and asked them to return one of the payments. They said they could, but to " keep in mind, it will take up to 3 weeks ''. She used this as a tactic to get me to say " you know what, i dont feel like waiting that long, go ahead and keep the money ''. I dont understand why it takes 3 weeks to get my money back, but they take it within seconds.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX  and XXXX XXXX are ignoring my many requests to investigate, verify and remove accounts from my credit reports that were opened fraudulently.
Product: Credit reporting or other personal consumer reports

A bankruptcy was inaccurately reported on all 3 credit bureau reports, after disputing several times it was finally removed by one, both my Experian and XXXX credit reports have continued to show the bankruptcy regardless of agreeing that the information was in fact reported incorrect for over XXXX, now XXXX  years. XXXX momentarily removed it, only to add it again, requiring me to submit yet another dispute. Because bankruptcies are so hard to dispute with any bureau, they first repeatedly declined my disputes, regardless of the dates, court, and filing number being incorrect, relying solely on XXXXXXXX XXXX and not the factual information provided by the state of Indiana. I have worked so hard to rebuild my credit and these are fights that they refuse to legally partake in, resulting in XXXX years of harmful credit damage.
Product: Mortgage

I have a property listed that has a reverse mortgage. Novad is the mortgage company but FHA is the servicing company. The property is supposed to close tomorrow XX/XX/22. The escrow company has reach out for a payoff a number of times, including written and a phone call ( Per the servicers instructions. Several calls were also made. According to one of the last conversation escrow should of had the payoff to XXXX ( Escrow Company ) that they should have the payoff by XX/XX/22. Still no payoff and no explanation. 

The seller desperately needs this sale to close. It's a cash buyer and they want the property as agreed. 

We ( seller, sellers representative ) are anxious to get this done for her. She is nearly XXXX yrs old and can no longer maintain this property. Her family has already made arrangements to move her to a retirement home near them.
Product: Credit card

I am writing because i received a letter from the united states office of personnel management.XXXX. That state 's that they recently became aware of cybersecurity incident affecting it 's systems that Compromised my personal information, Name, Social Security Place of Birth and or current or former Address.That leave me to Think that monies in my account are being taken.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 2 accounts showing up on my credit profile that have never belonged to me.
Product: Debt collection

I moved out of a rental property on XX/XX/XXXX and was given a final account statement 18 days later on XX/XX/XXXX for an amount of {$210.00}. I was then sent a revised statement for {$760.00} on XX/XX/XXXX which is outside of the 21 day limitation set by California Civil Code 1950.5. I have informed the collection agency of this discrepancy multiple times and no action has been taken by them.
Product: Payday loan

I borrowed {$800.00} from Castle Payday loans on XXXX XXXX, 2015. They have taken payments out of my bank account equal to {$1600.00}. and continue to try to debit my bank account {$400.00} twice a month. I am on social security and my bank account continues to be overdrawn because of them trying to take my money out. As soon as my SS check goes into my account each month I have to draw it out and pay my mortgage and utilities to keep them from taking it. I have had a nervous breakdown and I ca n't take this stress, I ca n't talk to them on the phone because i ca n't understand what they are saying and I do n't know how to stop them from taking my money. they are calling me all day long and leaving messages on my voice mail and I ca n't talk to them.