23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX/XXXX/XXXX I received a letter from ARA, Inc stating I owed their debt collection agency more than {$12000.00} for an old debt from XXXX XXXX. I have a few accounts with XXXX XXXX that are all current, so I called XXXX XXXX to investigate as this is the first notice from any debt collector regarding this. XXXX XXXX advised me that the account listed on the notice was not a valid account with them. I had XXXX XXXX also check my social to see if there were any old accounts for me, which there are/were none. I spoke to several people within XXXX XXXX 's idenitity theft and fraud units. 
I called ARA, Inc at XXXX the next day and inititally spoke to XXXX XXXX. I explained that I believed they had some bad info on me as XXXX XXXX had no record of this debt. Also, that my credit was not very good back in XXXX and that none of the credit cards that I had at that time, gave me more than {$1500.00} credit. XXXX XXXX told me that the last digit on my XXXX XXXX account number on the notice from them was incorrect. XXXX XXXX placed me on a brief hold to 'verify this info ', and another woman XXXX XXXX picked up. I explained all of this to XXXX XXXX like I did to XXXX and XXXX XXXX told me that the original creditor was really XXXX Bank and that the credit card was mailed in XXXX to an old residence that I did not live at in XXXX. She said that the inflated debt was due to late fees, interest, and penalties, and she stated my SS # to me and that the debt was valid and then started yelling at me. She yelled at me that they would sue me in XXXX XXXX which I lived and then hung up on me. 
I spoke to the Fraud Unit at XXXX XXXX who put me in contact with XXXX to show that some Fraud activity on my credit may appear. I made a report with XXXX and I filed a complaint with the CFPB, my next step will be to contact my XXXX and the XXXX. I am sending ARA, Inc the sample letter on this website inquiring for more information from them regarding this debt. I mailed this letter today XXXX/XXXX/XXXX.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to dispute the validity and accuracy of my student loan, specifically concerning [ Loan Account Number ]. According to my research and understanding of relevant laws, I believe there are grounds to challenge the loan on the following bases : 1. Violation of the Truth in Lending Act ( TILA ) : I contend that the loan agreement provided by your institution did not adequately disclose all the relevant terms and conditions of the loan. This violates the requirements set forth in the TILA, which mandates lenders to provide clear and transparent information to borrowers. 



2. Failure to Provide Required Disclosures : I have not received certain mandatory disclosures as mandated by the Department of Education and other applicable laws. These include but are not limited to the total cost of the loan, annual percentage rate ( APR ), and repayment terms. 



3. Violation of the Fair Credit Reporting Act ( FCRA ) : I have reason to believe that the loan has been inaccurately reported to credit bureaus, negatively impacting my creditworthiness. This potential violation of the FCRA raises concerns about the accuracy and integrity of the loan information on my credit reports. 



4. Lack of Verification of Debt : Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I request verification of the debt in question. I expect you to provide detailed documentation that validates the existence, amount, and ownership of the loan. 



5. Potential Statute of Limitations : I am exploring the possibility that the statute of limitations on this debt may have expired. If that is the case, pursuing collection activities on this loan would be in violation of the applicable laws. 





Additionally, I reserve my right to seek legal counsel and take further action to protect my rights under the law if these matters are not adequately addressed. 



I look forward to your prompt attention to this matter and a resolution that upholds the principles of fairness and compliance with applicable laws. Please acknowledge receipt of this letter by mail or email. 



Thank you for your cooperation. 



Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I mailed a written dispute to this credit bureau requesting that inaccurate information on my credit report should be validated and updated immediately. This credit bureau responded back with a letter claiming that they did not believe this dispute was sent by me and that I would have to call and verify my identity with them, I proceeded to call and verify my identity and after spending countless time over the phone being transferred back and forth, I still was unable to get any real help with this issue. I am requesting that the negative and inaccurate information on my credit report is immediately deleted. Per the Fair Credit Reporting Act, this company had XXXX days to validate this request and update my credit report but they failed to maintain protocol that follows the laws set forth in the Fair Credit Reporting Act, failing to meet these requirements, any information disputed should be immediately deleted from my credit report.
Product: Bank account or service

Hello, I would like to file a complaint to citibank regarding on a promotion that was offered to me in XXXX XXXX. I opened a citi gold checking account ( account number XXXX ) with a promo code " XXXX '' which would give me XXXX thankyou points after I complete two bill payments in two consecutive months. I was confirmed by several citi representatives in XXXX XXXX and XXXX XXXX that I had successfully completed all the requirements and I would definitely get my points by end of XXXX XXXX. The case had been escalated twice this month when I called and as of today, I have not received the points. I got a letter from citi that I was not targeted for this offer which is definitely not true. The offer page clearly stated the promo terms and conditions while I opened the account and citi confirmed several times that I would get the points and told me all I needed to do is to wait till XXXX XXXX. I am so disappointed with citibank as they were just trying to fool people around. While they told people one thing at the beginning, they are playing games and try not to honor the offer after I have waited for more than 3 months and I was charged for {$30.00} service fee per month. This is not a big bank supposed to do and I am filing this complaint against citibank. I will attach the screenshots and the confirmation I got from citi about the bonus points.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX BANK NA XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$19000.00} XXXX XXXX XXXX XXXX {$9400.00} XXXX XXXX XXXX XXXX {$5100.00} XXXX BANK XXXX Balance {$44000.00} XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year>
Product: Credit reporting

Transunion has investigated a XXXX and XXXX XXXX account and resolved the dispute by putting " consumer disputes '' on my credit report with balances that are collectible. XXXX XXXX nor XXXX have not received payments in over 4 years and the Texas statue of limitations is 4 years. XXXX XXXX showed they received a payment XX/XX/XXXX so why is Transunion still showing the account " in collections '' when that puts the balance out of the statue of limitations in XX/XX/XXXX? XXXX only shows a balance on statements and fails to respond to requests showing when the last payment was received. I have been a Texas resident since XX/XX/XXXX. Even the charged off statements show the account should not be " in collections '' and disputed but charged off with a zero balance.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I reported my card missing and stolen, by XX/XX/XXXX my tax refund came to my credit Karma account I still didnt receive a new card, by XX/XX/XXXX there where multiple transactions up to {$2700.00} all my tax money gone and transferred to somebody elses XXXX  XXXX, i was otp with the fraud prevention team letting them know I didnt make none of those charges and that its fraud they marked everything as fraud but wont let me dispute the charges I been trying to dispute the charges for the past 5 days and they know I didnt make the charges so I dont understand they allowed somebody to take all of my money they blocked me from calling them so I cant even get in touch with them at this time
Product: Mortgage

Rushmore Loan Management Services purchased my mortgage from XXXX XXXX, which typically should not impact me as a consumer, other than changing where and to whom I should send my money. However, that was not the case. Rushmore failed to acquire all the proper documentations from XXXX which would show that the property is insured, so they added a lender-placed insurance to my account resulting to an increased escrow, which increased my monthly payment from {$600.00} to {$1000.00}. I called Rushmore to advise them that I already have insurance through the homeowners association, provided them with name and phone number and advised Rushmore that I would send the regular payment of {$600.00} for XXXX 2015, which I did. Now Rushmore has labeled my account as delinquent for the difference. I 'm seeking protection as a consumer who should not be impacted by lenders practice of bouncing/selling mortgages to other lenders. Help!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Target is reporting a debt on my credit that I no longer owe. This debt is past the statute of limitation in California. And not only is it past the statute it's really old and past the credit reporting limit. I am requesting this account to be removed off of my credit file.
Product: Checking or savings account

On XX/XX/2021, my debit card was charged {$4100.00} via something called XXXX XXXX, which at the time cleared my account completely. I immediately reported the charge as fraud. I expressed to them that my phone was stolen, leading me to having to get a new phone. The charge was made via a virtual card, meaning whoever completed the transaction had to have had access to my phone, I assume. Even in telling them that, they declared the charge authorized which leaves me with absolutely no money for the holidays and the new year. Ive never made any charge over {$1000.00}, why would I clear my entire account of $ XXXX.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX  XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

PENNYMAC TRIES TO KEEP AND PROFIT OF MY INSURANCE CLAIM CHECK WHILES I HAVE NO HOME TO LIVE IN I HAD WATER DAMAGE IN MY HOME AND FILED A CLAIM WITH MY INSURANCE COMPANY. TYPICALLY, INSURANCE COMPANY WILL WRITE A CHECK TO YOU AND THE MORTGAGE COMPANY. 
ORIGINALLY, MY MORTGAGE COMPANY WAS XXXXXXXX XXXX XXXX AND I HAD NO ISSUES. THEN MY LOAN GOT TRANSFERRED TO PENNYMAC. THIS IS WHERE MY HEADACHE STATRTED. 
PENNYMAC IS JUST REFUSING TO RELEASE MY INSURANCE CLAIM CHECK. ITS STORY AFTER STORY. THE CHECK WAS RECEIVED BY PENNYMAC ON XX/XX/XXXX & I WAS TOLD IT TAKES 6 DAYS TO PROCESS AND SEND US OUR CHECK. I EVEN SENT A POST PAID ENVELOPE FOR EXPEDITED DELIVERY. EVERYDAY I CALL, ITS ANOTHER 6 DAYS. THE CHECK WAS SENT TO THEM XX/XX/XXXX, ALL REQUIREMENTS HAVE BEEN SENT TO THEM BUT THEY ARE REFUSING TO PAY THE MONEY.CONTRACTORS ARE WORKING IN MY HOME AND NEED TO BE PAID. I HAVE BEEN OUT OF MY HOME FOR 6 MONTHS NOW AND NEED TO GET BACK HOME I JUST WANT MY MONEY ASAP. THE MONEY IS NOT THEIR MONEY, ITS TO BE USED TO PAY CONTRACTORS WHO HAVE WORKED TIRELESSLY IN THE HOME. THE WORK HAS BEEN DONE, THEY HAVE SENT SOMEONE TO INSPECT BUT THEY STILL WANT TO KEEP THE INSURANCE MONEY. 
ALL I NEED TO THE CHECK ASAP AND I WILL FIND ANOTHER COMPANY TO FINANCE MY HOME. I WANT THE CEO TO CALL ME AND EXPLAIN THIS BECAUSE THIS IS NOT FAIR TO HOMEOWNERS IF THIS IS HOW THEY BEHAVE
Product: Debt collection

I am the victim of identity theft. It was a 'phone porting ' scam whereby my previous cell phone number was ported illegally from XXXX XXXX XXXX to XXXX . The scammer was then in control of my old phone number ( XXXX ) and used it and other of my personal information to hack bank accounts and create credit accounts. The phone number was also used for ride-sharing service, XXXX. Several rides were taken and charged to my account. I have contacted XXXX and the identity theft is known by them. I have been receiving repeated billing from a debt collector working for XXXX, TRS Recovery Services, XXXX XXXX XXXX XXXX, XXXX GA XXXX. I have reported the fraud to TRS through their website.
Product: Vehicle loan or lease

I was charged by US Auto Sales for CPI insurance although I had insurance since I purchased the vehicle. I submitted the proof of insurance to US Auto Sales but I was still charged CPI. US Auto Sales applied my payments to CPI insurance instead of my loan. They also added to my loan the cost of an extended warranty. I was not able to use the warranty at all as the company said the warranty was not valid because US Auto Sales never paid them. I am still riding around with Check engine light, ABS light, Traction light on. Also I have had to call US Auto on more than one occasion in regards to payment. I had to call twice to have my vehicle turned back on as I was not late on my payment. I had made my payment a couple of days before due and US Auto applied it as if I was making an additional payment not my regular payment.
Product: Debt collection

I had payment protection on my XXXX  XXXX credit card when I lost my job I authorized them to pay the balance which I know happened. However XXXX XXXX took my account and sold it to Midland Midland refuses to validate the debt they can't because it was paid in full to XXXX XXXX  and yet it Still Remains on my account. 

I was forced to pay this again to get it off my credit report because it is impacting my ability to get a mortgage. 

BUT Midland keeps reporting it anyway Paid in full again confirmation number XXXX. Collector XXXX XXXX. From the XXXX MI office. And even though I expressed to him that this was paid he readily accepted a payment because he was more concerned about his bonus structure than actually resolving an issue for the customer.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I called XXXX and spoke with two customer service representatives ( including a supervisor ). Please see letter attached. The issue is on going involving inaccurate and misinformation being reporting on a XXXX XXXX account number XXXX. Experian also has a negative account ( XXXXXXXX XXXX ) reporting on my credit file and I have continuously disputed this account which resulted from Identity Theft as well. I have continuously disputed these accounts are not mine and resulted from Identity Theft ( See FTC Theft Affidavit and Police Report attached ). The XXXX representative is claiming that my dispute of the XXXX XXXX account did not include a copy of my Social Security Card. Please note that I have disputed these same accounts multiple times in the past and presently disputing the same XXXX XXXX account number XXXX and XXXX XXXX account. At this point both Experian and XXXX are in violaton of the FCRA. Please see attached proof of disputes.
Product: Checking or savings account

My Bank of America debit card was charged on XX/XX/2018 at XXXX XXXX XXXX XXXX for {$15.00}. I had not originally noticed the charge however the following day my account was charged again for {$230.00} from XXXX XXXX XXXX New York and {$12.00} for a Taxi XXXX XXXX XXXX. Being that I did not make these payments, I reached out to my banks fraud team. They refunded me the money however in XX/XX/2018 took back two charges for the taxi and XXXX stating since I live in New York these charges could have been possibly made by me as they are in XXXX New York. At the time of the purchases I was in XXXX on XXXX XXXX and could not have been in XXXX or at the XXXX located 30 minutes away from my job while at the same time purchasing lunch in XXXX. I explained this to them and the representative agreed and escalated the situation for further review and requested I submit a letter stating this. I heard nothing back for months while not being credited back the funds. On Friday, XX/XX/2018 my card is suddenly overdrawn. I call Bank of America again thinking a charge was once again unauthorized to find out they reversed the larger claim for {$230.00} as well stating the hair salon is also located in New York and a chip card was used for the transaction. They stated since I had the card still with me someone had to have taken the card as chips can not be duplicated. I explained to them that I did not make the charge and could not find a XXXX XXXX XXXX location in New York. They then proceeded to tell me the address to a home apartment building the charge came from which was also located 2 minutes from the XXXX XXXX. The representative looked up the location and stated they could not find a phone number or entity listing for the name charging my card. They also stated they could not put me in touch with the Bank of America investigators because they do not have a contact for them. The most they can do is put notes requesting a call and the investigators can decided on calling me back but it is not guaranteed. I have banked with Bank of America for almost 15 years and have never filed a claim with Fraud. I can't believe I can't even speak with a fraud investigator to see how they did their due diligence before denying me a claim that is obviously shady.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are five " hard '' inquiries on my Equifax report. I submitted an online dispute on XX/XX/2021, which they resolved within one day. They're response was " inquiries are a factual record of file access ''. Obviously they did not investigate this with the inquiring entities or third-party sources to confirm or deny my dispute. I submitted a second dispute for the same five " hard '' inquiries via certified mail and I accessed the results which were received on the XXXX of XXXX completed the XXXX of XXXX. Again, they used the same illegal response. The burden of proof belongs with the CRA ( Credit Reporting Agency ) thus I am sending a final demand for their removal but would like to include the CFPB complaint number so they understand how serious I take their lack of compliance with federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted my Complaints # XXXX, XXXX, XXXX last XX/XX/22 but it seems that you have closed it on the same day. I sent a letter on XX/XX/22 to XXXX Credit Bureaus to remove inaccurate personal information and accounts : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX Balance : {$3200.00} ; XXXX XXXX Balance : {$12000.00} ; XXXX XXXX XXXX Balance : {$1200.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$97.00} that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the Credit Bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt
Product: Bank account or service

I make this check to XXXX and it was made for the amount of XXXX and and they forged and changed the name to : XXXX : and they put a new amount of {$4200.00}. I was reviewing my checking account and I noticed that a big check got paid. I call my bank manager XXXX and told him about what happen with my account and he toll me that he will look in to the matter I went to the bank near my house and toll the manager and they help me fill out a claim and this is the claim number # XXXX. 
that was done in XX/XX/2017 and they have n't contacted me with any information about my money. 
I cant trust this bank with my money
Product: Debt collection

ON XX/XX/XXXX Receivables Performance XXXX a collection agency reported a debt on my credit reports that somebody who stole my identity owes them. The original creditor the collection agency purchased the debt from is XXXX XXXX. They state the unpaid date of 1st delinquency is XX/XX/XXXX and balance as of XX/XX/XXXX is {$1600.00}. I disputed this with XXXX and other credit reporting agencies and clearly stated that this is not my debt. I never had service from XXXX XXXX in my life neither have i ever lived at the address linked to the XXXX XXXX service that was unpaid by the identity thief. Still XXXX has wrongfully concluded after I sent them proof of my real address that never had service from XXXX XXXX and i quote " We verified that this item belongs to you '' and instructs me to contact the collection agency. Last year i put a fraud alert on my file when i first became aware that my identity had been stolen and used to acquire services.these agencies are failing to protect me
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this complaint to EXPERIAN I sent them a letter regarding the inaccuracies in my report such as date of last activity, date opened, date reported, payment status etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However, when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. 

My rights have been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 an account without my written instruction.