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

Fraudulent accounts that are not mines : XXXX  XXXX Opened XX/XX/XXXX {$510.00} XXXX XXXX XXXX  XXXX XX/XX/XXXX {$1300.00} XXXX XXXX XXXX  XXXX XX/XX/XXXX {$1000.00} XXXX XXXX XXXX XXXXXXXX. 
Opened XXXX XXXX, XXXX {$430.00} XXXX  Opened XX/XX/XXXX {$1300.00} My information may have been impacted by the Pandemic, XXXX, XXXX and XXXX XXXX XXXX and may have got into the hands of the wrong person Under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I may presume that no proof of the alleged debt, nor therefore any such debt, in facts exists Ive asked the following questions to these companies and they have not responded with any accurate info my information was abused through the on going years and I want my life back Proof that I owe this debt, including a detailed accounting of the original amount, any accrued interest, fees, and any other charges. Copies of any signed agreements or contracts pertaining to the debt. Evidence your company has legal standings of debt In accordance with [ applicable state statute ], which mandates a 15-day period for debt validation, I am requesting that you provide me with the following documentation within 15 days of receiving this letter Please note that failure to provide this information within the stipulated time period will result in my reporting your company to the Consumer Financial Protection Bureau ( CFPB ) and any other relevant regulatory bodies.

15 U.S.C. 1681s-2 This section of the code covers the responsibilities of information providers to consumer reporting agencies. It prohibits the reporting of inaccurate information, and requires that information providers correct inaccurate information after being notified by the consumer. 

15 U.S.C. 1681i This section of the code covers the procedure for handling disputed accuracy. It requires that agencies provide consumers with a description of the process used to determine the accuracy of information, and that consumers have the right to add a statement to their file disputing the accuracy of the information.

When a consumer disputes inaccurate information, the credit reporting company must investigate the information, and stop reporting it if it can not be verified. The company must also provide a notice to the consumer, and give them the option to add a statement to their file. 

The hardship my life had gone due to these fraudulent accounts is unbelievable I have suffered to due the negligence of the credit bureaus I ask for proof of your investigations and all Additionally, while this matter is under dispute, I am requesting that all collection efforts be immediately ceased, and that no negative information related to this alleged debt be reported to any credit bureaus. Any negative reporting during this period will be considered a violation of my rights under the FDCPA. 

Respectfully XXXX XXXX
Product: Credit reporting or other personal consumer reports

I would like for these inquiries to be removed from my credit report. They were not authorized by my consent and would like for them to be removed immediately. 

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

NET credit continues to report my account on transition as 30 days late. Account was also disputed on my XXXX report and net credit was able to correct the status as account paid and never late.
Product: Debt collection

Dear Consumer Financial Protection Bureau, This is my second formal dispute regarding inaccurate and fraudulent information on my credit report resulting from identity theft. Despite my previous effortsincluding submitting an FTC Identity Theft Report, a police report, and placing fraud alertsthe disputed accounts remain on my report. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to have any unverifiable or inaccurate information removed. The accounts in question, listed below, were fraudulently opened and do not belong to me : XXXXXXXX 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 XXXXXX/XX/XXXX {$1000.00} I have already contacted the credit reporting agencies and the collection agencies involved, but the issue remains unresolved. I am requesting your assistance to ensure these accounts are properly investigated and removed from my credit report if they can not be verified. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I got a balance notice on my bank account that I only had $ XXXX in my account, So I got a quick loan from Lendumo This company Ive done business with several times, but this time I paid loan off it only took a payment and not full amount so contacted online chat. She explained they are updating system sorry after all the help she could give she then said I needed to call customer service? So called spoke to XXXX he explained again how they are updating systems and are experiencing trouble, he could help after all the explaining and fixing XXXX apologized and said the updated payment was changed. I still have email, the following morning I check and its still not showing fixed or withdrawn from my bank account the full payment, so online chat with XXXX explained again the trouble after all this she did just like before and said I needed to call customer service. Called in spoke with XXXX who was very sorry for my inconvenience and will help after listening to all Ive said he then let me know it was never handled and they do not except Debit Cards to be used to payoff loans cause it keeps good customers from being able to borrow again. Debit cards make the customer have to wait to reloan, the two customer service representatives I spoke to XXXX explained should have shared this with me, But XXXX at first said it was never fixed and I needed to payoff I then read the email from previous day from XXXX and XXXX was very overly helpful prolonging my dealing with this problem and had me on hold, when taken off hold XXXX was asking how my day was if Im in a great mood if life is treating me wonderful. I was very up beat and never shown I was upset voice recorded conversation will proven, XXXX did everything possible to slow the process down and let me know it was handled and the previous payoff price will be given is there anything else No, sir I replied the. He went over everything after he was finished I thanked him and he said the payoff price is the original price if I need to cancel the payoff please contact and so on I again thanked him very much the call ended, 10minutes after speaking to XXXX an email was sent to me stating i agreed to a one time payment from account ending in XXXX but they are taking the larger sum I can call back and go through it all again like been happening for 2 days now to start process all over, this is a very dishonest company, evil crooked, they do everything possible to get an extra dollar from you even when you do what you need to do, no one can make them be punished they will act like its an accident or mistake and do this so people just give up and they get extra money, Dont know who to get to go against a financial institution as big as Lendumo they have no rules and show they will do as they please,
Product: Credit reporting or other personal consumer reports

hello, my nme is XXXX XXXX. I am a victim of identitity theft. I hear about robberies all the time but never thfought id fall victim to one. I was robbed at XXXX point for my waller, purse which held all my personal information. I am writing to ask that you please remove these accounta. it is tarnishing my name and my credit. i am mot XXXX to get a place to live, bank accounts or credit because of thus theft. please help me
Product: Credit card

I received an emailed bill for a credit card with Avant, for just over {$4.00}. I've never used the account. Not even once. 
I forgot I even had the account open until I got the bill. I made contact with Avant and asked that they waive the fee since I've never used the account and then asked that the account be closed. 
They closed the account but now they've sent me a bill via email for over {$15.00}.
Product: Credit reporting or other personal consumer reports

I have verified with my records that these addresses are incorrect and do not belong to me. According to the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ), I am entitled to dispute inaccurate information and have it corrected or removed from my credit report. 

XXXX, XXXX, and TransUnion have made it extremely difficult for the consumer to remove inaccurate information on their credit report. I have filed disputes with all bureaus and each bureau has additional hoops to jump through. Each company is in violation of Fair Credit Reporting Act ( FCRA ) Section 611 ( a )
Product: Checking or savings account

Hello, I have been attempting to close my account with TD Bank for a month now.

I emptied it and sent 13 messages with no replies to request it be closed. I have also called twice and those calls are recorded, my account was not closed during those calls. I have reached out on Social Media and nothing became of that.

I am immuno compromised and can not go to a physical branch at this time.

There was then an accidental charge to my account and I transfered funds to cover it. I now have to wait for those funds to not be pending to close my account.

While waiting I have been charged fees for having XXXX $ in an account I have been trying to close, when I was informed in a recorded call that no fees would occur until XX/XX/20 I am extremely stressed about this situation and TD bank has done quite possibly the closest to nothing I have ever seen to resolve my issue.

Please help me, I've already lost so much in fees to TD. I honestly feel cheated by this 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 privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting 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 U.S.C. 1681s-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: Debt collection

I received a letter in the mail from Ad Astra Recovery services Inc. on XX/XX/2021 Informing me that someone opened an account in my name, and I owed {$200.00} from a payday loan I never opened in my life. I immediately called and spoke with a representative and told him I NEVER in my life opened a payday loan, which he replied, you didn't open the account, I emphatically told him NO. Then he said report it to your local law enforcement officials. I live in XXXX, Texas and NOT XXXX Kansas XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the hospital in the XXXX from XX/XX/XXXX to XXXX XXXX a XXXX XXXX XXXX from XX/XX/XXXX XX/XX/XXXX due to XXXX. I was not alert or oriented except for the last two days of my hospital stay, I was XXXX and in a XXXX. My husband who has never paid the mortgage never thought about XX/XX/XXXX mortgage because at the time they were not sure if I was going to live or die and he has never paid the mortgage. 

However, on XX/XX/XXXX he called in to make the XXXX payment at the advisement of our children and found out that he needed to make XXXX 's payment as well. He made both payments that day. 

XXXXXXXX XXXX hit both of our credit reports with a 30 day late mortgage. Once I found that out I contacted XXXX XXXX in XXXX of XXXX and got up to the supervisor of the call center, She pulled the tape recording of my husband calling in on the XXXX, and said since he did not tell her I was in the hospital with XXXX  at that time they can not change our credit report. They did not ask my husband why the payment was late either. My husband didn ; t know he needed to tell the bank I was in a XXXX XXXX XXXX due to XXXX. If he had known that they needed that information he would have given them that information. I was so upset because she said that had he told the call center at the time it wouldn't have gone on our report but because he did not they will not remove it. 

I was vaccinated and boosted and still ended up with XXXX, XXXX XXXX, and XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. We have XXXX children and 5 dogs that my husband was trying to balance with the real possibility that I was going to die. 

We had a significant reduction in our credit scores because of this reporting. We are trying to refinance our home to use some of the equity because I could not work for several months, and just now I am back to work and working up to full-time. My husband served our country in the XXXX for 30 years and this is how we are treated? If he told them when he called in XX/XX/XXXX they would not have put it on our credit report but since he did not they will not change it. I have a full medical report to go with statement of XXXX and XXXX and XXXX XXXX. I also had XXXX..
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit was run thru several lenders without permission.
Product: Mortgage

Short Story : They impound our taxes each month, which totals over {$11000.00} per year. Unfortunately, although they deducted the money from our escrow account, they never paid the second installment of our taxes. We had started the process of refinancing and our new mortgage company XXXX had to pay the taxes on our behalf. Now we owe XXXX {$6600.00} for taxes that were already escrowed by Nationstar. Nationstar is not returning the money. 

Details : XX/XX/XXXX : They record a deduction from our Escrow Account of {$6000.00} XX/XX/XXXX : Taxes are due to the County of XXXX XX/XX/XXXX : Nationstar Mortgage provides a payoff statement to XXXX showing that the taxes were already paid XX/XX/XXXX ( not exactly sure of the date ) : We settled a refinance with Nationstar XX/XX/XXXX : XXXX sends us a letter that our taxes were delinquent and that they paid them, including the penalty fee of {$600.00}. XXXX tells us that we now have to pay them back the {$6600.00} over the next twelve months. 
XX/XX/XXXX : Spoke with XXXX at Nationstar and opened a case, which she said would resolve in 5 days. 
XX/XX/XXXX : Followed up with XXXX at Nationstar. He has no news. 
XX/XX/XXXX : Spoke with XXXX who is able to see a tracking number for the loan payment, however that tracking number shows as 'Tracking ' XX/XX/XXXX : Spoke with XXXX at Nationstar . She was able to explain that the tracking number I was given was not a wire number, as I was originally told, but was a XXXX number. I am able to search the number and see that a label was created on XX/XX/XXXX, but nothing was shipped. However, that same tracking number is also used for a separate package that was XXXX from XXXX, TX to XXXX. It shipped on XX/XX/XXXX and arrived on XX/XX/XXXX. 
I was transferred to XXXX at Nationstar who promised to look into it. 
XX/XX/XXXX : Left a message for XXXX. 
Never got a call back from XXXX. 
XX/XX/XXXX : Spoke with XXXX at Nationstar. Finally got transferred to XXXX who was helpful. He investigated and said that the check was sent to the County of XXXX. The County of XXXX was returning it to Nationstar and they will issue us a refund. He said it would take a couple of days. He said it might take 5 days to process. 
XX/XX/XXXX : XXXX called me to let me know that a check was coming and gave me a XXXX tracking number. He said the check should arrive by Tuesday XX/XX/XXXX. 
XX/XX/XXXX : According to the XXXX Tracking number nothing was ever shipped. A label was created, but that is it. Left a voicemail for XXXX XX/XX/XXXX : XXXX never called back so I called him again and left a message.
Product: Checking or savings account

On XX/XX/23 I received an email stating Capital One closed my account. I went to a nearby branch and they stated that they closed my account due to the fact that I filed a fraudulent claim. I did not file a fraudulent claim. I reached out to the merchant, XXXX for a couple of weeks without a response before deciding to file a claim of goods not received. 4 Days after I filed my claim the merchant sent a tracking number. I still have not received the goods. It is highly unfair that they would close all of my accounts for this reason when the reason is incorrent. I can provide the tracking that was sent to me AFTER i filed the dispute. Capital One has the worst customer service of any bank.
Product: Mortgage

Based on the coronavirus, my husband and I are both unemployed and living in NY. We have had two mortgages since XXXX and never had a late payment. 
During this pandemic the governor instructed mortgage companies to place mortgages into forbearance without penalties. Upon calling my mortgage company I was instructed with minimal information or assistance to apply online. After receiving paperwork standard for foreclosure, which does NOT apply to me, I was assigned a case worker with no contact extension. I then called the general line and after a 90 minute hold I was told that I would be granted the forbearance and then on XX/XX/XXXX I would be expected to pay one lump sum of FOUR mortgage payments at which time I could then call back to discuss any other options like foreclosure. 
I contacted the governors office, the financial dept in which I filed a complaint and finally your agency which advised this method of documentation.
Product: Mortgage

I've been unlawfully enrolled in hazard insurance through the mortgage servicer. There's evidence that suggests the Servicer may be paying the annual premiums and still apply a monthly payment to insurance ( double charging me and creating shortages on escrow reports ). It's also apparent that I've been enrolled in this policy since the very 1s
t payment that I made without notice or having given authorization to do so.

Lastly with all the fees applied to this policy, I don't see evidence that any such insurance exists. No declaration, policy number, company name, Nothing at all.

I want to submit that this company is operationally a scam!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, US Department of Education/ account # XXXX, US Department of Education/account # XXXX, DEPT OF ED / XXXX- account # XXXX, and XXXX XXXX XXXX # ( not shown on consumer report, and only reported on XXXX ) have violated my rights.

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

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

I am writing to express my deep dissatisfaction with the services provided by Remitly. On XX/XX/, I was charged a sum of XXXX USD through Remitly, which I believe was a result of a scam. I was promised a refund by Remitly, but despite several attempts and follow-ups, I have not received any refund. 

The whole process has been extremely frustrating, as Remitly keeps sending me back to XXXX, and XXXX keeps redirecting me to Remitly. The lack of responsibility and ownership demonstrated by both companies is unacceptable. 

I would like to request a full refund for the unauthorized charge of XXXX USD. I have provided all necessary documentation and information to both companies and have been waiting for a resolution for far too long. 

I hope that this matter can be resolved promptly and that I can receive the refund that I am entitled to. Please let me know if there is any further information required from my end to expedite the process. 

Thank you for your attention to this matter.
Product: Debt collection

Citibank has called me as many as 10 times in a row for money that I owe, I am working with XXXX XXXX XXXX  and have told them this and to stop calling me. 
They call me every day, all day, and leave up to 3 voicemails a day.

This has gone on for 3 months now.
Product: Credit card or prepaid card

I applied for a Wayfair Card through Citibank and ultimately made a purchase. During the process i had to return an item through XXXX XXXX. Through the XXXX XXXXXXXX app I saw the item was rerouted to someone else 's home. I contacted Wayfair immediately to start an investigation and was never contacted afterwards. The first correspondence I received was a bill. I explained to them that a portion of the bill was fraudulent and I asked that an investigation take place to sort this out. Instead I was ignored and payment was demanded. I was also told the credit card was closed months ago yet yesterday I received a correspondence yesterday which states otherwise. I am also getting two bills from two different ( Wayfair and Citibank ) entities for the same debt. They are literally trying to make me pay double the amount. No one on this entire company will or has tried to rectify the issue. Instead they demand payment even though there is possible fraud on the account./
Product: Credit reporting or other personal consumer reports

I received notification from Transunion on XX/XX/XXXX that XXXX XXXX XXXX XXXX reported me 30 days late in XX/XX/XXXX. However, I have never been late and the attached credit card statement show my XXXX payment was received on XX/XX/XXXX. The payment was due XX/XX/XXXX per statement attached. I personally went to the bank to resolve this issue and the Customer service rep was confused why this was reported. They advised me to dispute this as well.