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

This is my 6TH endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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Product: Credit reporting, credit repair services, or other personal consumer reports

this address is not mine and never has been .please remove. 

XXXX XXXX XXXX XXXX Ny XXXX. 

please remove Iwill send a copy of my correct address.
Product: Debt collection

I received a collection notice reference number XXXX from AllianceOne. Is supposed from an open balance with XXXX that don't belong to me
Product: Mortgage

Received Deferment repayment Agreement from my mortgage servicer, My mortgage servicer .They refuse to provide mortgage assistance to me. Our interest rate is still 13 percent, I elderly and in my seventies ' I have filed bankruptcy several times to keep my home out of foreclosure. My servicer has been unwilling to assist me and I'm now on a fixed income. I have been sent this agreement that is not affordable and I feel that I have not been offered the mortgage assistance that is available though the current mortgage mortgage assistance programs that have been set up for individuals that have been affected by covid-19 and other financial hardships
Product: Debt collection

I've explained to this company many times that these charges are fraudulent, and my information was compromised by an ex-spouse that is now deceased. The amount of the debt has gone up from the first time ive became notified about it as well, the apartment company seems as though they just want to make money off of me and dont care if it identity theft. I've tried to explain and reason with them but instead received scare tactics and calls with aggressive reps. I've been trying to tell them this debt is inaccurate since 2019 when i was first notified of it.
Product: Debt collection

Dear Complaint Handling Associate or Department, On XX/XX/XXXX, I provided notice to XXXX XXXX ( " XXXX '' ) that I would be terminating my lease. On XX/XX/XXXX, XXXX ( a XXXX associate ) executed the Notice of Intent to Vacate document as prescribed by the Lease Agreement ( " Agreement '' ) : both documents are attached for reference.

On XX/XX/XXXX, I followed up with XXXX to ensure what was due sinceXX/XX/XXXX was my last day as a tenant. As of my move out date, XXXX provided with my final amount due. Please see the email attached that states I owe {$990.00} to terminate my lease. Additionally, I have a {$200.00} security deposit that will be used to pay the sewer bill. I assumed I would actually be refunded some monies.

I had heard nothing else from XXXX and assumed everything was resolved since I took the tedious effort to ensure all of bills are paid. While back home for XXXX, my father inquired about my financial situation and to my surprise, I learned that XXXX had sent a collection letter, via RentDent, to my father 's address and addressed to my father. My full name is XXXX XXXX XXXX XXXX The letter was addressed XXXX XXXX, which I can assume is what XXXX provided RentDebt. Additionally, the address provided to RentDebt was not an address I provided to a third-party. I provided the XXXX XXXX XXXX, XXXX, GA XXXX address solely to have my mail forwarded from XXXX. I never authorized any third-party having access to my father 's personal address and would certainly not provide consent to do so. Only XXXX was authorized to " forward mail '' to that address.

I being this complaint to you alleging FDCPA - Misrepresentation of Debt claims, FDCPA - Third-Party Disclosure claims, and GLBA - Privacy Notice claims pursuant to the above allegations.

XXXX is owed nothing from me as stated by the associate on my last day of residency ; this is an official dispute. Additionally, I am extremely embarrassed that you shared my financial information and debt issues with my father. Furthermore, XXXX should have never provided you the {$21.00} XXXX  forwarding address : the Notice of Intent to Vacate did not contain the respective disclosures for sharing of that information with RentDebt ( a third-party ).

Additionally, please advise if this matter has been reported to any credit bureaus.

Please advise how you 'd prefer to resolve these issues : I prefer not to entertain legal avenues.

Sincerely, XXXX XXXX XXXX XXXX

XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Credit reporting, credit repair services, 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 items 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 ITEMS. 

XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXX XXXX Balance : {$180.00} ; XXXX XX/XX/2022 XXXX XXXXXXXX XXXX XXXXXX/XX/2022 ; CPS XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've identified all things in my report that I did not consent to.
Product: Money transfer, virtual currency, or money service

XXXX XXXX had XXXX issues, before my husband knew this he tried to send me {$400.00} via his bank WE financial. 

I received an email from XXXX that the deposit never made it to me and to have my husband re-send the transaction. 

However the {$400.00} left my husbands WE account, and never made it to my XXXX account and he has yet to have the funds return to his WE account. 

Weve called both banks after waiting to see if money will return to his account automatically and been getting nothing but the run around starting XXXX WE told him XXXX has the money and for me to call my bank. Called my bank they said no WE has the money. 

XX/XX/XXXX called both banks again. This time WE advise my husband he needed to wait 14 business days from XXXX and the money will be back. 

XX/XX/XXXX still no money so he went to WE branch. WE tells him, XXXX is supposed to give the money back that was the agreement between XXXX and other banks for the XXXX incident. 

XX/XX/XXXX we go to XXXX branch, they advise no, all my husband needs to do is file a dispute with WE cause WE has the money. We immediately left XXXX and drove to WE, what did WE say. XXXX has the money, they are aware and that all we can do is sit and wait for it to come back to us. 

This is getting beyond ridiculous all we want is the {$400.00} returned to his account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is so uncertain. I've submitted this complaint 4 times already & CFPB & EXPERIAN are claiming its being submitted by someone other than me or that there is no file on record. Seems like a lot of passing the buck or no accountability. Whatever the reason, I'm beyond annoyed. The following accounts listed below were opened due to identity theft. I've provided you ( CFPB ) & EXPERIAN with an affidavit & FTC fraudulent report to support my position. It seems EXPERIAN is violating FCRA sections 611, 616 & 617. They have provided ZERO VERIFIABLE PROOF & I feel are willful noncomplying and being truly negligent. I'd like these accounts blocked or removed based on 605b. This is my final request before I get my attorney involved because this matter has been creating an insane amount of emotional & physical distress. It's caused me restless nights & has caused me to miss work. My attorney told I should just sue for violations in FCRA laws. I'd prefer to NOT get litigious. Please see this matter is handled. I'd like the accounts removed/blocked per 605b with the attached documents again... Thanks XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

FORMAL DISPUTE OF DEBT- DEMAND FOR PROOF OF ASSIGNMENT OF CONTRACT To Whom It May Concern, I am formally disputing the alleged debt you are attempting to collect. Under XXXX XXXX. XXXX ( FDCPA ) and XXXX. Article XXXX, you are required to provide verifiable proof that you have a legal right to collect on this debt, including proof of an assignment an assignment of contract from the original creditor. Until you provide the documentation, you are prohibited from any further collection attempts under federal law. Provide a complete copy of the original contract- Provide a signed agreement between me and the original creditor that legally binds me to this alleged debt. Proof of Assignment or Sale Contract- Provide documented evidence that the original creditor has legally assigned or sold this debt to you, giving you the authority to collect. Complete payment history- Show all transactions from the original creditor, including the full chain title showing any transfers of ownership. Itemized list of charges- detail breakdown of the current amount that is owed. Verification of debt amount Statute of limitation and of debt is expired. I will Await your reply with the above requested proof. Upon receiving it, I will correspond back with you
Product: Checking or savings account

My checking account was restricted on XX/XX/year> ( with {$4600.00} currently in it ) due to me violating the terms and agreements, ( I was depositing funds from a cashapp account that was in the name of XXXX XXXX which they said went against their terms ). 

It is now XXXX and the account is still Pending for closure and according to SoFi I am not entitled to the funds and they would be returned to sender.That {$4600.00} is not from XXXX it is from multiple sources ( XXXX XXXX, refunds, XXXX, Direct Deposit ) so I dont understand how they can just return it to the sender, XXXX XXXX has closed the XXXX XXXX account on XXXX. 

I call everyday and they all tell me your account is pending closure and is still being reviewed by the internal security team, we will expedite this for you but we will just have to wait for the internal team to finish their review. I need the account closed and I need my money its been so long.
Product: Credit reporting or other personal consumer reports

I currently have loans with XXXX schools : XXXX XXXX XXXX XXXX and XXXX XXXX XXXX  XXXX. 

In XXXX I was sent notification " Final request : take action now to avoid default ''. I contacted XXXX right away and applied for forbearance because at the time I had no money. 

XXXX Covid hit, and every year was sent a message " forbearance has been approved '' XXXX In XXXX of XXXX I was sent notification " Your forbearance is ending soon '' In XXXX I went through in Loan Consolidation, submitted application with ALL LOANS and was told in XXXX " Congrats! Your student Loan is paid in full '' and I went on an income driven payment plan and have NEVER missed a payment. 
In XX/XX/XXXX I was at a credit score of XXXX and the next date woke up to a credit score of XXXX. Upon call after call and letter after letter and complaint after complaint- I am here begging for help. 
XXXX Sent in complaint for FASFA and XXXX XXXX Sent in complaint for Defaulted Loans Finally got the information for the collections agency and they stated they received my file in XXXX but just NOW started to try to collect. Unbeknownst to me- I was told all loans were covered in the Loan Consolidation with XXXX XXXX 
When asking for options on how to get credit score back and loans NOT in " default '' I was simply told XXXX things. Contact original loan provider OR make a XXXX time payment of {$26000.00} and my credit would NOT be reinstated. 
I called XXXX and sent in complaint for serious help and was responded with " This is no longer Nelnets file you need to speak with collections agency. 
I then called XXXX AGAIN and spoke to a supervisor who was on the phone with me for over XXXX hours. Not only is my consolidated loans have BOTH XXXX loans AND XXXX loans, these " defaulted '' loans were supposed to be included as well. 

I was told that they were opening a " research ticket '' and would call me back in XXXX hours. This was on XX/XX/XXXX. My credit keeps dropping. 

Essentially this is what is happening : XXXX XXXXXXXX Pay with no credit back or contact XXXX XXXX Not our fault or file anymore- cant help you- but this should not have happened to you. 

It has been 2 months now, and NO XXXX is helping me. I am alone in the state of XXXX no family and single. What's most important is a credit score, and as of right now, I have a poor rating after working so hard- and no one is helping, and im at rock bottom with options. PLEASE HELP ME I have proof of ALL complaints, letters, emails, phone calls. I can submit at any time to you for proof. 


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Product: Checking or savings account

Last year ( 2019 ) my personal checking account with Chase was closed due to undisclosed reasons. 

After one year of waiting and hoping I would be in a better standing, I tried to re-open an account on XX/XX/XXXX, this time with a co-signer in hopes that it would have better chances of remaining open. 

My account was closed again, without giving me any notice, on XX/XX/XXXX my account was closed again, and I found out 4 days after when I was trying to log into my Online Banking profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company stating about a debt I owed. I have never applied for student loans. i have never gone to college, I quickly opened an account with XXXX  XXXX to review my credit report I I found a student loan and other fraudulent accounts I have never opened or gave any one consent to open. Please delete XXXX {$190.00} XXXX XXXX XXXX {$540.00} XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX XXXX {$240.00}
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a data breach, and as a result, unauthorized accounts and inquiries have appeared on my credit report. I am requesting that the following accounts and inquiries be blocked and deleted from my credit file as outlined in 15 USC 1681c- 2 ( a ) and FCRA 605 ( b ) : Accounts to be blocked and deleted : XXXX. XXXX XXXX XX/XX/XXXX {$11000.00} XXXX. XXXX XXXX  XXXX XXXX XX/XX/XXXX {$0.00} XXXX. XXXX XXXX XX/XX/XXXX {$0.00} XXXX. XXXX XXXX XX/XX/XXXX {$0.00} XXXX. XXXX XXXX XX/XX/XXXX {$0.00} Fraudulent Inquiries to be blocked and deleted : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

After an accident, my husband incurred substantial medical bills. While we were able to make payment arrangements for most, one slipped thru the cracks and ended up in collections. L.J. Ross of XXXX, MI. We are not disputing the debt, nor refusing to make payments, our issue is the amount of money this company wants every month is far more than we can pay. They refuse to negotiate and we do n't want this to be unresolved. We want to make payments, but we need them to be willing to work with us, and by that, I mean, we can only afford XXXX a month ( we are, after all, making XXXX other medical bill payments! ) and not pay them the over XXXX per month they want. A little compassion is what we need. We are not trying to get out of a bill, just make it affordable is all.
Product: Credit reporting

XXXX submitted my name for a collection that did not belong to me. I called and was not helped at all. They were not rude, just not helpful. I agreed to pay this bill as i was in a bind and needed it off my credit report, they agreed to delete and for quite a while it was off my credit report. It has shown back up and no one has attempted to help me get this removed. I could lose my job because of this.
Product: Prepaid card

I have a {$250.00} Hilton chain Amex prepaid gift card.

But most Hilton hotels are unable to actually process the gift card as funds tendered and will end up charging a stay to one of my other credit cards. See the online article here for a full description of the problem XXXX XXXX XXXX XXXXXXXX # comments And there is a related problem, recently I was able to use {$200.00} of the {$250.00}, but now it is impossible to use the {$50.00} balance as a partial payment ( and the card does not allow me to add funds to it ). Since {$50.00} is not enough to pay for a room, I can't get the benefit of the last {$50.00}. Hilton should be required to allow holders of gift card to use them as partial payment for a stay ( and use cash or another funding source for the other part of a payment ).

The Hilton Gift Card can only be used at Hilton hotels. This is there policy verbatum : " The Hilton Gift Card and Hilton Business Gift Card may be used only at Hilton Hotels and properties worldwide that accept American Express Cards. Funds do not expire. The Card can not be used at ATMs. Not redeemable for cash, except where required by law. Additional limitations apply, including restrictions on use of the Card for recurring billing. Read Cardholder Agreement for complete terms and conditions, including a binding individual arbitration clause. Replacement Card issued only to the extent of available funds at the time of notification. For customer service, call XXXX. For balance inquiries, current Cardholder Agreement, and additional information visit XXXX. Issued by American Express Prepaid Card Management Corporation. Licensed as a Money Transmitter by the New York State Department of Financial Services. XXXX ID # XXXX. ''
Product: Mortgage

We are buying a new home through XXXX XXXX XXXX in XXXX, Colorado. When looking at the home, we were told that they had an incentive plan in place that if we used their affiliate Home American Mortgage Corporation for our mortgage, they would finish our basement free of charge. On the contract, they valued this incentive at {$37000.00}. At the time, I told the sales associate that I was uncomfortable with using them without knowing them because I feared for what they could do with our interest rate or points if they wanted to make up for the incentive. We were told that their prices and rates were very " competitive '' by the loan officer we were appointed at that time. We signed the papers, and are now coming up on our closing date. On XX/XX/XXXX, we were emailed by our new loan officer ( our old one who told us their rates were very competitive had retired ) stating that the government shutdown could effect our rates in a positive way. On the XX/XX/XXXX, we were emailed again by our loan officer that the shutdown did not effect our rates in the way that they'd hoped, and to let him know when we have a closing date so we could lock in the loan. On the XX/XX/XXXX, our builder XXXX XXXX XXXX sent an email with us and our loan officers copied stating that we had a closing date of XX/XX/XXXX. We believed that since our loan officer was on the email and told us as soon as he knew the closing date he would lock in the loan that it would be locked in at that point. However, I had to send a follow-up email asking what the rate would be on XX/XX/XXXX. Home American Mortgage Corporation is now stating that the rate on XX/XX/XXXX when the loan was locked was XXXX, which is XXXX higher than what the average rate is today and the rates have done nothing but climb since XX/XX/XXXX. When I asked them for the history sheet of their rates, and compared their rates to the 10 year treasury, they said their history is for internal use only, and that we were not allowed to see that information. Are they really allowed to pick and choose whatever rate they want, even when we have email documentation that the rate should have been locked in on the XX/XX/XXXX and that the rate according to the 10 year treasury on that day was XXXX? We are just looking for information that can help us out in any way since I believe they are trying to make up for the incentive by giving us an astronomically high interest rate.
Product: Credit card or prepaid card

my card has been misplaced on the other hand its been difficult to contrast with company
Product: Credit reporting, credit repair services, or other personal consumer reports

I have always used automatic payment to pay my monthly mortgage with Homebridge Financial. On XX/XX/2021, Homebridge returned the mortgage payment to the bank. I did not find out until a month later when i was notified by the credit bureaus that i had a 30 day late notice on my credit report. The funds were in my bank account and this was an error on behalf of Homebridge. I have a letter from my bank ( XXXX XXXXXXXX XXXX  ) which states that the funds were in my account at the time Homebridge tried to take the payment and it should have never been returned. I tried reaching out to Homebridge many times for almost a year now and no response from them at all. My loan officer has also tried to rectify this with corporate to no avail. I disputed with all three credit bureaus and they notified me that they submitted the dispute to the " furnisher '' which is Hombridge but they have not received a response as well. I am asking that Homebridge please have this information removed immediately from my credit report as this was their error. I tried to apply for a home equity line of credit but was denied because of this negative account on my credit. Please help me get this cleared with Homebridge Financial.