23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX XXXX XXXX ), Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number ( private ), an auto loan account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number ( private ), a personal loan account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number ( private ), and a collections account opened at XXXX XXXX XXXX XXXXXX/XX/XXXX with a balance of $ ( private ) that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Student loan

Since the events below, I have been able to obtain an income-based repayment plan ( that Navient habitually tries to talk me out of. They have, on numerous occasions, told me over the phone that if they did n't want to, they did n't have to let me on the IBRP ) The event ( s ) I am complaining about is in light of recent actions taken against Navient, and I wish to add my voice, as I have dealt with the exact problems mentioned by countless others before. 

When my loans first went into repayment ( XX/XX/XXXX ) I was unemployed and unable to make my initial payments. I contacted the lender for a resolution and was told time and time again that there were no other options available to me other than " borrow the money from your parents/grandparents/aunts and uncles. '' When I informed them this was not an option, the only path I was given was to use up my forbearance ( which was quickly maxed out after a few months. ) When collections came due after forbearance ( Late XX/XX/XXXX - current ), my situation was only slightly better and I had an entry-level role. My family was struck by the downturn ; Lost their house and their jobs and could not help support my payments. I only had an entry-level position and could not afford the full payments. I asked if there were steps I could take to release them from their obligation as cosigners just to be told no. 
My only option was again to " borrow from friends and relatives '' to make my monthly payment. When I was unable to make payments, I was turned over to collections and my credit was negatively impacted. This was the point I was finally " allowed '' to join an income-based repayment plan. 

Since then, I have maintained regular payments and have been able to improve my credit score. However, was made to suffer for 5 years unsure of whether or not I will ever be able to get a grasp on my financial situation.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, XXXX and XXXX of 2020, I filed a dispute with this credit bureau about the unverified account XXXX XXXX Account number XXXX. In those 3 months I have asked numerous times for a response into their investigation and I have not received anything in response from this bureau in over 3 months.. So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from this company about this unverified account as of today. Thank you
Product: Debt collection

On XXXX XXXX XXXX I received a call from Midwest Service Bureau out of XXXX, Ks. Keep in mind XXXX somehow got hold of my mother cell number calling her about my medical debts with them. How he got my moms number I have no clue! But I think its wrong for them to be contacting anyone else other then the person this bill is issued too. In other words as of XXXX XXXX XXXX while I was on the phone I spoke with a guy named XXXX. I have a bill with them for XXXX XXXX XXXX in XXXX, Ks in the amount of XXXX. During this call I had went on to tell XXXX XXXX had sent them a letter in the mail about a month and half prior to this date in this letter stating when I could pay and how much I could afford which is XXXX bucks a month. XXXX went on to tell me I could n't make payments of XXXX dollars a month because of how much the bill is. He then went on to tell me the furtherest they would go is a 18 month payment plan of XXXX a month which being the only one in the house working at the moment I can not afford XXXX a month. He then went on to basically harass me saying if I cant pay the XXXX a month then I need to go get a consolidated loan from the bank I have an account with! I spoke with my bank today XXXX XXXX XXXX where I was told I could not get a loan due to I have several medical bills Im making payments on. If I paid them XXXX Id have no money to survive on or pay my other bills and medical bills with. I talked with XXXX today XXXX XXXX XXXX and had addressed to him what the bank told me and was further told that the best he could do is make it where I pay XXXX a month and I still cant even afford that much a month. Ive told him time and time again I cant afford more then XXXX bucks a month the XXXX of every month but he seemed not interested in what I could afford so that I can still make a living and survive. For him to suggest a loan from the bank is only because then they dont have to worry bout the money anymore cause they would have gotten the full amount and Id be stuck paying back more to the bank then what the bill they have on my account is worth. The people at Midwest Service Bureau are only interested in the full amounts or high payment that most people who live paycheck to paycheck cant afford! I told XXXX Id try and make a payment the XXXX of this month due to the XXXX is a holiday but Im only sending what I can afford and I will be keeping all my receipts as proof that Im trying and not just ignoring the bill so if they try to sue me or take me to court I have some good ground to stand on with the judge on paying what I as an average class citizen can afford. Id like for these types of problems to be addressed to companies like this who are only interested in full amounts and if you cant do the full amounts they go on to give you some bogus advice to go get loans just to end up in more debt. Then they go on to tell you that they cant accept what u can afford to do even though your trying its never enough for them.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate disputes regarding inaccuracies in my credit report. Dispute my submissions, XXXX consistently responds within 24 hours stating the accounts are accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes regarding inaccuracies. Furthermore, XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with Federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, CA XXXX XX/XX/XXXX COLLECTION AGENCY : XXXX XXXX XXXX Subject : Identity Theft and Unauthorized Account - Request for Investigation and Resolution Dear Sir/Madam, I am writing to dispute an alleged debt that has been reported to your collection agency and to inform you that I am a victim of identity theft. I recently discovered the presence of this account on my credit report, and I am confident that it is a result of fraudulent activity. I request your immediate attention and cooperation in resolving this matter. 

Account Information : Creditor Name : XXXX Account Number : XXXX Date of First Delinquency : XX/XX/XXXX Amount Owed : {$130.00} I have attached supporting documents that demonstrate my innocence and substantiate my claim of identity theft. These include : 1. A copy of my official identification ( e.g., driver 's license, passport ) to establish my identity. 

2. Copies of my credit reports from XXXX, XXXX, and EQUIFAX, clearly indicating the unauthorized account and highlighting the fraudulent activity. 

3. Any additional evidence or supporting documentation that supports my claim of identity theft ( e.g., police reports, letters from other financial institutions acknowledging the fraudulent activity ). 

I understand that it is crucial to take immediate action to protect my rights and resolve this matter. Therefore, I kindly request that you take the following steps : 1. Initiate an immediate investigation into the reported account and provide me with a detailed response within 30 days, as per the Fair Credit Reporting Act ( FCRA ). 

2. Cease all collection activities related to this account until the investigation is complete. Any negative reporting to credit bureaus should be suspended as well. 

3. Provide me with written acknowledgment of my dispute and confirmation that you have received the attached documentation. 

4. Share all relevant information about the alleged debt, including the original creditor 's contact information and any supporting documentation you possess. 

I must emphasize that I am not responsible for this debt, and it is vital that you rectify this situation promptly. I expect your full cooperation in investigating this matter thoroughly and providing a resolution that clears my name from any association with this fraudulent account. 

Please note that failure to comply with my request or the continuation of collection activities on this account may result in legal action being taken against your collection agency. 

I can be reached at ( XXXX ) XXXX or XXXX should you require any additional information or documentation. I expect your prompt attention and resolution of this matter. Thank you for your understanding and cooperation. 

Sincerely, XXXX XXXX XXXX XXXX DOCUMENTS BELOW : DL ( PROOF OF IDENTITY AND ADDRESS ) SSN ( PROOF OF IDENTITY ) POLICE REPORT ( PROOF OF REPORTED IDENTITY THEFT ) BANK STATEMENT ( PROOF OF ADDRESS ) PHONE BILL ( PROOF OF ADDRESS )
Product: Credit reporting or other personal consumer reports

Experian XXXX andXX/XX/XXXX. Did not perform thorough investigations on my disputes. I would like to dispute the XXXX of my profile and have unverified information removed. This dispute is submitted under FCRA 15 USC 1681i which requires credit reporting agencies to conduct a reasonable investigation of disputed items
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an ongoing problem with our mortgage company XXXX ( XXXX ) which has been going on since XXXX. I had filed a XXXX  XXXX in XXXX of XXXX which ended in XXXX XXXX. At the end of my XXXX  XXXX XXXX / XXXX had merged and informed my attorney I needed to pay them another XXXX. Or my XXXX  XXXX would not be closed. I had taken money from my tsp and paid the amount they stated I needed to pay to finalize my XXXX  XXXX. 
Since my XXXX  XXXX has ended they have reported to the credit reporting agencies that I have been late/ behind on my mortgage with them for the past 4 years. 
They had applied my monies to my escrow account instead of mtg. I have called them numerous times about this over these years trying to get this resolved with no success. I send my payment every month certified so I know when they receive my payment and they are not late. They have falsely reported this to the the credit agencies therefore affecting my credit. I have an ARM mtg which they have now moved up to 10.2 %.
Product: Debt collection

I was called from number XXXX stating the organization calling was XXXX XXXX. The provided me with the number XXXX. I called this number and spoke with a gentleman that stated I owed a debt to Santander for a loan on a XXXX XXXX XXXX. I told them that is was a loan through XXXX XXXX XXXX and was settled back in XXXX, then sold to Santander. He stated that if I did not pay that they would pursue legal action and place a lien on property or on income. I asked for the company name and was told it is called XXXX XXXX. They claimed to be a mediator for Santander. I believe this to be a bullying tactic to get you to pay old debt that is no longer collectable.
Product: Bank account or service

CITI bank advertised that it will reward every customer that opens a checking account with a XXXX deposit before XX/XX/2016 with XXXX dollars. I opened the account on XX/XX/2016. I was supposed to maintain the deposit for 30 days. I never took my money out till today. Today is the start of the fifth month I called and complained to them 3 weeks ago they agreed that the amount should be deposited. They opened an investigation but never did anything about it. As a last resort I am coming to you please resolve the problem and save others from the misery I have been through with them
Product: Credit reporting, credit repair services, or other personal consumer reports

This was not sent in error. I am a consumer by law and my information was misused and now I have false not 100 % accurate accounts on my credit report. You keep on reporting me late on this following account under EQUIFAX, XXXX and XXXX XXXX XXXX XXXX XXXX Dats late in XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

You have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, you must remove this negative information and update it to paid or paying as agreed! This is clearly a discrepancy that you are still reporting up until now! Make sure that you will update this as never late!!
Product: Checking or savings account

Every time I try to with withdraw money from an ATM. Card gets frozen. Account gets locked. I have no access to my account and money. Bank does not answer phone because they a too cheap to staff employees. They have been instructed not to freeze account under any circumstances yet continue to do so. Literally have to wait until they open until next business day because they dont answer the phone. You sit on hold for hours because they dont staff people. They refuse to give me access to my own money which I need to pay bills and feed my family. They simply dont care. Bank needs to be shut down. This is fraud. Ive had do go without any money because of the bank.
Product: Consumer Loan

monterey financial ageed to update the credit bureaus after my last dispute through CFPB. However XXXX is reporting the item as being 60 to 90 days late.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PNC Bank XXXX XXXX Compromised identity theft lead to accounts being closed.
Product: Credit reporting

I went through a divorce. The court ordered my ex husband to pay ALL remaining marital debt. That time frame would be from XXXX XXXX, XXXX to XXXX XXXX, XXXX. I need these debts removed from my account, because he agreed in court, the judge ordered it, and I should no longer be responsible. This goes for accounts in collections, student loans on hold due to forbearance, and any other remaining debt within that time frame. Also I need to update my name change and address. I will attach all documents.
Product: Credit reporting or other personal consumer reports

This is my several endeavors 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

Portfolio Recovery continues to threaten me with legal action if I do not pay a debt that was written off by XXXX Bank and XXXX well over 10 years ago. They continue to insist on their right to report it as an unpaid debt on my credit report. 
They call me at work, and are verbally aggressive and discourteously harassing me, even when I tell them I can not talk at work. 
They refuse to send me documentation that proves the origination of the debt as well as their explanation for why they are allowed to collect on this debt that is well past the statute of limitations I do n't know what to do or how to stop them from call me. I have blocked their numbers on my phone, only to be called from yet another number. It 's quite distressing. 
The debts written off were from the economic recession when my husband and I had a XXXX business that failed. We lost everything including our home. Now, he has terminal XXXX and we are living off social security. I do n't want these people calling me for an old debt but they wo n't stop. What should I do?
Product: Vehicle loan or lease

I have an auto installment loan with Fifth Third Bank in XXXX, Ohio, which is due on the XXXX of each month. I ALWAYS pay this payment on the XXXX of each month. I have never once made a late payment on this account. Additionally, I have two separate credit cards which have bills due on the XXXX of each month also, whose mailing addresses are also in XXXX. Miraculously, the checks for these bills are always cashed on time ( before the XXXX ) and always make it to their destination within three or four days, but inexplicablythe payment for Fifth Third often does n't. Is it possible the U.S. Postal system takes extra long to get to Fifth Third in the SAME CITY as my other two payments sent at the same time? I do n't think so ...
Four or five times this year alone, Fifth Third Bank has changed me late fees in the amount of {$83.00} each time. Not only is that an outrageous amount for a late fee, my payment were NOT late!
Fifth Third has a habit of doing this. There are even a few Internet websites and blogs dedicated to consumer complaints about Fifth Third Bank. Their over-charging and erroneous assessment of late fees is a major complaint. Please feel free to look yourself ( see attached documents ).
Product: Credit card or prepaid card

American Express RAISED MY INTEREST RATE BY 5 % AND CHARGED ALL EXISTING CHARGES AT 15.99 % RATHER THAN 10.99 %. I COMPLAINED TO THIS CONSUMER PROTECTION BUREAU. NOW American Express SAYS THAT I DID NOT PAY ON TIME AND THEY DOUBLED MY INTEREST RATE TO 29.99 % ON TWO CARDS : XXXX XXXX   AMEX CARD NO. XXXX XXXX XXXX AND XXXX AMEX CARD. XXXX XXXX XXXX. I CALLED CUSTOMER SERVICE IN XXXX AND THEY AGREED TO REVERSE THE INCREASED INTEREST, BUT THE SAID THAT I HAD TO PAY THAT AMOUNT FOR XXXX ONLY AND THAT THE NEXT MONTH THE INTEREST RATE WOULD BE THE 15.99 %. I TALKED WITH A SUPERVISOR ON THE XX/XX/XXXX AND SHE AGREED TO REDUCE THE INTEREST. THEY HAVE AGAIN AGREED TO FIX THIS ON XXXX  18 BUT I DO NOT BELIEVE THAT THIS COMPANY ACTS IN AN HONEST WAY. 20 % INTEREST INCREASE IS OUTRAGEOUS AND American Express SHOULD BE FINED AND STOPPED FROM CHEATING ITS CUSTOMERS.
Product: Checking or savings account

The bank blocked my checking account because of a fraud trigger caused by me trying to make my first XXXX transfer, and they want to verify me by a number that will match my name in public records. No, not the number that was fine when I opened the account. but there is no number in public records in my name. this is an absurd way of verifying and no other bank does this. 
Letting me open an account and depositing and then blocking me and keeping it from me is called a scam! 
I am not the only one with this complaint, I have read online TENS of such reviewis with this same issue - even with costumers as long as 20 years. 
This is absolutely ridiculous and not fair at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3500.00} XXXX XXXX XXXX XXXX {$4400.00} XX/XX/XXXX XXXX {$4600.00} XXXX XXXX XXXX XXXX {$16000.00} XX/XX/XXXXXXXX {$2500.00} XX/XX/XXXX XXXX {$3400.00} FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX.
Product: Debt collection

I am writing to address the relentless debt collection efforts I have been enduring from your agency. It has come to my attention that you are incorrectly identifying me as the debtor in question. I want to be unequivocal : there is no valid debt associated with my name, and I dispute any such allegations. 

Cease and desist all forms of communication with me immediately, including phone calls, letters, or any other means of contact related to this debt. Your actions are in direct violation of the Fair Debt Collection Practices Act ( FDCPA ) through false and misleading identification, causing undue stress and inconvenience. 

I want to remind you that, under the FDCPA, I have the right to be free from false and misleading practices on your part. You have a strict 30-day deadline from the receipt of this letter to remove any information associated with this alleged debt. Failure to comply with this demand will leave me with no alternative but to initiate legal action against your agency. 

This letter serves as a formal notice of my intent to enforce my rights under the FDCPA. I expect you to take this matter with the utmost seriousness, and I insist on the complete cessation of all communication with me until the erroneous information is removed. 

You are hereby put on notice : failure to adhere to these demands will result in legal action to rectify the incorrect reporting and harassment I have been subjected to.