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

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX  XXXX XXXX  XXXX   on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 3. US SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity Theft )
Product: Credit reporting or other personal consumer reports

Upon reviewing my consumers report, I noticed there were multiple accounts listed that do not belong to me. I've never heard of these companies reporting. The accounts are as follows : Credit Collection Service ( XXXX  ) - balance {$480.00}, posted on XX/XX/XXXX Credit Service Inter XXXX XXXX XXXX XXXX ) - balance {$1700.00}, posted on XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX- balance {$480.00}, posted on XX/XX/XXXX XXXX XXXX XXXX XXXX balance {$2200.00}, posted on XX/XX/XXXX XXXX
Product: Mortgage

On XX/XX/XXXX XXXX XXXX XXXX granted a mortgage to Beneficial Homeowner Service Corporation ( " Beneficial '' ) in the amount of {$23000.00}. Said mortgage was consolidated with a new loan with Beneficial in the amount of {$35000.00} on XX/XX/XXXX to form a single lien of {$58000.00}. Said consolidated mortgage was further consolidated with a mortgage dated XX/XX/XXXX in the amount of {$44000.00} to form a single lien of {$100000.00}. On XX/XX/XXXX, Beneficial caused a satisfaction to be filed in ACRIS, in CRFN XXXX, unfortunately said satisfaction contained the incorrect amount to be satisfied and incorrect mortgage recording information. A request for a corrected satisfaction of mortgage was received by Beneficial on XX/XX/XXXX and signed by a XXXX XXXX ( see attached ). Follow-up calls to Beneficial were met with " we have not received the request '' to " it 's being worked on '', all on the same call. On Monday, XX/XX/XXXX, XXXX in the lien release department informed our office that this matter is being handled by their bankruptcy department. XXXX from the bankruptcy department advised our office that they have not received the request and can not find this particular loan and that there are other loan but they do not list the amount. XXXX XXXX is in the process of selling the property and due to Beneficial 's inability to process a satisfaction of mortgage/lien release, XXXX XXXX is in jeopardy of losing the property in a foreclosure action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted experian multiple times about their dispute process. The account # XXXX should not be on my credit report. This item needs to be deleted immediately. It was scheduled to be deleted XX/XX/2022 which is this month and somehow it is now saying it will not be removed until XX/XX/2022. 

This is against the fair reporting act. Someone is not doing their job and they added negative items on the report that should not be there. 

This is against the Fair Credit Reporting Act and against 18 usc 10-28 a. I did not authorize them to place false information on my credit report.
Product: Debt collection

Fair Collections and Outsourcing ( FCO ), a debt collector and assigned agent of the original creditor, XXXX XXXX XXXX, has been attempting to collect a claimed debt of {$3500.00} for various charges associated with my rental of an XXXX apartment at the XXXX XXXX facility in XXXX XXXX California. 

FCO has provided as evidence of the debt, a '' resident Journal '' that depicts debit and credit transactions and ending balance. The problem with this XXXX page report is that @ XXXX % of the report is blurred beyond readability, and the ending perpetual balance does not follow from the transactions, but rather is stated seperately on a page not of the transaction report, and in a different typeset. The report as given is useless for purposes of debt validation. 

FCO is reporting the claimed debt to XXXX, who is reporting it as a delinquent item in collections. 

I have sent to FCO a copy of the report I received from them, pointing out the unreadable areas, and requesting a fully readable version. I also requested that they provide the name and contact information of authorizing and approving agent at XXXX XXXX Communities. 

In response, I received a letter from FCO stating they have " verified '' the debt and will continue reporting it to the CRA, FCO did not respond to any of the requests I made for a competent validation of the debt, and identity of the source of the data.
Product: Credit reporting or other personal consumer reports

FTC REPORT PERSONAL STATEMENT : I am filing this FTC Identity Theft Affidavit to report due to fraudulent accounts that show on my consumer XXXX credit report which I do not recognize as reported and which result from identity theft and fraud. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. This is preventing me from being able to get approved for my home loan and I am in disbelief. 
CFPB PERSONAL STATEMENT : This CFPB complaint has been filed to request under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency , block and remove 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 few Personal credit card accounts.

ACCOUNT NAME : Conserve DATE OPENED : XX/XX/year> These accounts have resulted in fraudulent hard inquiries and collections appearing on my consumer XXXX credit report, leaving me with so much stress. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all previous consumer credit accounts, collections, and hard inquiries result from identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; not withstanding, there are still a few items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these items ( 1 ). ( A ). 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX5 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 or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XX/XX/year> I am distressed that you have included fraudulent information in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information you provide to credit bureaus. Credit reporting laws ensure that companies only report 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate. The following information therefore needs to be re-investigated and removed as the charges associated with the listed accounts are fraudulent. 

XXXX, XXXX, XXXX XXXX fraud beganXXXX Account Number : XXXX, Total fraudulent amount, {$17000.00} 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 XXXX XXXX XXXX XXXX XXXX amount {$590.00} Account Number : XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX sent my subscription. To collections after I paid my annual fees and was only subscribed for a year. I didn't even use it but once or twice. But the issue is my email account, my debt card and my phone were all stolen. So that account was compromised.
Product: Bank account or service

I have had various checking accounts and a Mortgage through Chase Bank. Going back many years but also just in the last few days I have been a victim of them generating as many Insufficient Funds fees as possible by processing checks and other transactions not in the order they present to the bank but always, always starting with the largest XXXX first and then in order of descending amounts to charge the greatest number of {$34.00} fees. I have also had both a check and a direct deposit occur on the same night several times including once within the past 30 days and on these occasions they list the check as presenting before midnight and the deposit afterwards and again hit me with a {$34.00} fee. I am a XXXX and live off an income of only {$730.00} per month plus some food stamps. In the past 31 days they have taken {$130.00} from me using this method of maximizing fines. On a good month, I can barely survive if, and only if, there are n't any extra or unexpected bills. My XXXX XXXX XXXX car needs many repairs. And chase Bank is robbing me XXXX!!! I do n't know what to do. Their practice targets the poor most of all and if not illegal is definitely unethical. I will be closing that account as soon as possible and shopping for a new bank. But I do n't have enough money to survive the month having lost {$130.00} to them in 31 days and starting this month with negative - {$98.00} in the bank. Is it legal for them to process both a deposit and a check in the same night but to do the check first and charge {$34.00} when the money was there to cover it? Is it legal for them to gouge poor customers by always processing checks in descending order to maximize fines? Is there anything you can do to help me get some of it back? 

Just FYI, we also used to have a mortgage through them but when we got behind and tried to catch up they did everything possible to foreclose and evict us. The legal fees we incurred ( while I was still married ) was enough to enough to buy a car. Chase is a truly malevolent and greedy institution.
Product: Money transfer, virtual currency, or money service

I was using Coinbase wallet to invest into cryptocurrency, then my account got hacked and I tried reaching Coinbase customer service no one responds no matter how many times I tried. Its been over 2 months. I had over {$1000.00} invested in there.
Product: Checking or savings account

In XX/XX/year>, I opened an account in the Chime app for the purposes of their advertisement : " refund overdraft bank fees ''. I submitted my XXXX XXXX checking account info into the Chime app and waited several months for my refunds. Chime advertised XXXX days as the waiting period for refunds. 

I believe it was about 6 months later that Chime responded in their app and via email that they were unable to retrieve my overdraft bank fees from XXXX XXXX. These fees should have been approximately {$1500.00}. I believe Chime stole my fees that were rightfully mine and deprived me from my refunds. Chime failed to provide me with timely consumer info and bank overdraft refunds from XXXX Bank. 

I reached out to them severally times via email and over the app. Their customer service was horrible and then I realized the whole app was running as a bot. 

It appeared that a bot stole my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  account XXXX XXXX XXXX has violate my rights.

15 U.S.C. 1681 Section 602A. State I have the right to privacy. 15U.S.C. 1681 Section 604 A Section 2 : It also state a consumer reporting agency can not furnish a account without my written instructions.
Product: Checking or savings account

My bank card was fraudulently used and I filled out the fraudulently used papers I was finally sent after months of reporting the fraud. They finally sent papers I filed them out filed police report and sent back all paperwork and was told sorry no fraud was committed. When all the proof was there and I was told I would be reimbursed.a portion of my stolen money Within 10 days and was my money was never returned to my government account. My name is XXXX XXXX XXXX. My Ss number is XXXX. My address XXXX XXXX XXXX XXXX XXXX Ohio XXXX. The Bank Is US Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting Act the list of accounts below has violated my federally protected consumer rights to accurate reporting, privacy and confidentiality under 15 USC 1681. 

dept of ed/XXXX  acct # XXXX XXXX XXXX  acct # XXXX XXXX  acct # XXXX XXXX XXXXXXXX XXXX acct # XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  acct # XXXX XXXX XXXX  acct # XXXX XXXX  XXXX 15 USC 1681 section 602 A states i have the right to privacy 15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1681c . ( a ) ( 5 ) section states no consumer agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681a-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent a letter which in regarding inaccurate and unknown things on my credit report, and tot his day thats over 60 days later I still have not received a response yet. I feel like I am being taken advantage of and being completely ignored of my disputes. By law, of Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days, then it gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should have been deleted promptly. I demand that these accounts be deleted immediately or I will definitely file for litigation due to the XXXX that you have caused me. My information was also impacted by the. Equifax data breach and may have got into the hands of a wrong person.
Product: Mortgage

On XX/XX/2018 I took a mortgage in the amount of {$660000.00} to buy a house in XXXX. The mortgage has been serviced by AmeriHome Mortgage, with loan number XXXX. 

On XX/XX/2018 I made a special payment ( in addition to the regular monthly payment ) of {$38000.00}. 

My intention and understanding when making that payment was to apply the entire amount toward principal reduction. 

I later found out that instead of used for principal reduction, AmeriHome processed it as nine monthly payments. That meant that the principal amount of those payments was applied immediately ; the escrow amount was added to the escrow account ; and the interest amount ( which is most of that amount ) was held by AmeriHome.

Even though it processed it as nine monthly payments, AmeriHome continued to draft the monthly payments from my bank accounts. 

That raises the question : what happens to the interest portion of the payment I made? I do not want AmeriHome to hold these funds ( apparently indefinitely since they kept drafting the monthly payments ) while I earn no interest on them. 

I contacted AmeriHome and repeatedly asked what happens with those funds, but never got a clear answer ( see attached correspondence ). 

In addition, on XX/XX/2018 XXXX XXXX XXXX, a AmeriHome representative, wrote to me in response to my inquiries that " If there are any additional funds in your escrow account when it is analyzed, a surplus check will be released and mailed to you. '' However, on XX/XX/2018 a county tax disbursement was made from the escrow account in the amount of {$2400.00}, leaving a balance of {$11000.00} in the escrow account ; however no surplus check was released to me. 

After some back and forth, on XX/XX/2018, I requested that the payment be reversed and applied to principal ; this is exact language of my request : " On XX/XX/2018 I made an online payment of {$38000.00}. 
Of that amount, {$7900.00} was applied to principal, {$22000.00} to interest, and {$7400.00} to escrow. 
I would like the entire amount to go towards principal therefore, can you please apply additional {$30000.00} ( this is the combined amount applied towards interest and escrow ) to principal, effective XX/XX/2018. '' On XX/XX/2018 I received a reply from XXXX XXXX, an AmeriHome representative, saying : " Please be advised that we have submitted a request to have these funds reversed and applied to your principal per your request. Please allow 3-4 business days for this adjustment to be completed. '' That never happened. 

On XX/XX/2018 I contacted AmeriHome again to ask why my request was not processed as promised ; I received no explanation, except stating that my payment was applied as nine monthly payments ; and that for further questions I should contact XXXX  XXXX XXXX. 

I request that this issue be taken care of before transferring loan servicing to XXXX XXXXXXXX XXXX.
Product: Student loan

I have a current monthly payment of {$550.00} that is due on the XXXX of every month, due to being stuck on the SAVE plan through Mohela with a high income. In the beginning of XXXX, I applied to switch to the standard repayment plan and was told I would receive notification within 5-7 business days whether I had been approved. I have not received anything in writing and there is no evidence anywhere on Mohela that I have requested to switch plans to the standard plan to bring my payment down to {$170.00}. I have reapplied as of today, and have spent two hours on hold with Mohela before being disconnected.
Product: Money transfer, virtual currency, or money service

On Friday, XX/XX/year>, I attempted to transfer {$60.00} from my Venmo account to my bank account, but the transaction was delayed/canceled due to suspicious activity. However, the only transaction was my attempted withdrawal to a card that had already been verified, which made this reasoning unclear and not justified. 

I contacted Venmo support on XX/XX/XXXX via in-app chat to request an explanation and resolution. I was told that the issue would take 3-5 business days to resolve, but I was not provided with any clear explanation for the delay or how the suspicious activity related to my verified account. 

On XX/XX/XXXX, I followed up again via chat, phone, and email, requesting a faster resolution because my car insurance payment depended on these funds. Despite explaining my urgent need, Venmo did not offer any expedited resolution or further clarification. As a result of this delay, I was unable to make my car insurance payment on time. 

Additionally, during two separate chat interactions, Venmo agents abruptly ended the conversation in the middle of my request for help, ignoring me without addressing my concerns. This lack of support made it even more difficult to resolve the issue. 

I am requesting that Venmo immediately release my funds or provide a clear and justified reason for withholding them, along with a specific timeline for resolution. Additionally, I would like an explanation for why my urgent request for a faster resolution was disregarded and why support agents terminated chats without assisting me.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : 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 XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This is not a duplicate complaint. I am submitting this complaint for myself. 

I have previously submitted a complaint in regards to XXXX trying to collect an obscene amount of money, that I do not owe. This was also reported to the FTC. 
The claim number for CFPB XXXX, for reference. 

XXXX has once again sold this account to another debt collector, after having been reported by me and having the account closed, due to poor practices. 

I have been receiving calls from XXXX XXXX XXXX XXXX, yet another collection agency. Today, I received a letter from this company, trying to collect the same debt for XXXX XXXX. 

Please see the CFPB complaint previously made XXXX, for details.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : This is a formal notice of dispute regarding information that Bank of America sent to XXXX and XXXX, a consumer reporting agency. 

The following false information was sent to XXXX and XXXX : Contribution Reason : Transacting ( or attempting to transact ) with an account in an unauthorized or prohibited manner. 
This information was disputed with XXXX and XXXX on XX/XX/2017 ; however, Bank of America verified the information as accurate. This falsely reported information damages my financial reputation and should be removed immediately.

Bank of America reported suspected fraud when in fact, no fraud took place. There was no illegal activity on the account.

Bank of America did not experience any financial loss and no money is owed on this account. There was no violation of the account agreement that governed the account. 

Under my rights under the Fair and Accurate Credit Transactions Act, I am asking for an investigation of this reported information, and removal of the false information reported to XXXX and XXXX XXXX XXXX XXXX. 



Sincerely, XXXX XXXX
Product: Credit card

On XX/XX/year>, I called to ask questions about the Pay overtime option given with the credit card. 
I asked if I purchased an XXXX XXXX if it would qualify for the pay overtime plan. 
I was told it would and was given directions on how to find it once the purchase posted. 
I made the {$3500.00} purchase, but it did not qualify for the pay overtime plan, therefor I will be stuck with high interest and unaffordable payments for the oxygen concentrator. 
In the phone conversations and 18 emails, I explained I would have gotten a medical credit card to pay for the concentrator, but I was told my current Chase card will do the same thing. 
I was lied too, told too bad nothing we can do more than 15 times.

A higher management person suggested I recall the payment I made, to see if the purchase moved to the pay overtime plan. 
I recalled my payment, and the concentrator still does not qualify for the plan. 
I have an email stating I could break up the payments to more affordable from chase representing the very program I was assured I qualified for.

I have been lied too on the phone, disregarded as someone unworthy in the emails.