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

I am a victim of identity theft. I was affected by the Equifax data breach that occurred in XXXX. On XX/XX/XXXXXXXX I sent Equifax an FTC Identity Theft Report, my driver 's license, my social security card, a cover letter explaining what transactions were fraudulent and not made by me, and a copy of my electric bill as proof of address. I had listed 3 fraudulent hard inquires XXXX XXXX via XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX, and 2 fraudulent accounts XXXX XXXX XXXX and XXXX XXXX XXXX. They received the documentation on XX/XX/XXXX via certified mail # XXXX. Per the FCRA, they have 4 business days to remove items I identify occurred as a result of identity theft, as long as I send in the required documents, which I did. I called XX/XX/XXXXXXXX  and spoke with XXXX, who initially told me the hard inquiries would have to remain on my report, even though they were the result of identity theft. She ended up removing 2 hard inquiries ; XXXX  XXXX and XXXX XXXX, as well as the 2 fraudulent accounts ; XXXX XXXX XXXX and XXXX XXXX XXXX She told me she was unable to remove XXXX XXXX from the hard inquiries. I explained to her that it was also listed on my FTC Identity Theft Report as fraud and she refused to remove it. I was escalated to supervisor XXXX and he told me my FTC Identity Theft Report was invalid because my address wasn't on it. The address field is NOT a required field when submitting an identity theft report with the FTC on identitytheft.gov. I advised him that it is their duty as a credit reporting agency to maintain my privacy and block items I identify as identity theft and he flat out refused to help me. Equifax is in direct violation of my rights as a consumer under 15 U.S.C.1681c-2 ( a ) of the FCRA.
Product: Debt collection

I was sent a text from a number I do not know asking me to click on the below link. I am not clicking on something that I have no idea what it is. It was from an office... Wakefield and Associates. I do not know this place or have any debt to be paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, XXXX, TX XXXXXXXX XXXX XXXX XXXXXXXX
Product: Debt collection

The company i work for which is  XXXX  garnish my wages for a company called Guglielmo and Associates. I was a victim of identity theft, however since i knew who stole my identity i decided not to fight the judgement and pay the creditor. However, according to my pay statement I paid the creditor in full for the amount of  XXXX  in the month of  XXXX . However, as of  XXXX  the company i work for began garnishing me for the same debt again which is supposed to be paid already.
Product: Mortgage

After onset of Covid, my son lost his job, we were struggling to pay bills. Carrington placed my loan on forebearance, but didnt inform me that after the forebearance, I would have to come up with a lump sum to pay the past due payments. How is someone going to pay a lump sum if they couldn't afford the mortgage during the first wave of the pandemic? They gave me a pymt plan of XXXX for 3 months to catch up. I paid 2 pymtns of XXXX for two months and didnt have the XXXX for the 3rd month. They put my loan up for foreclosure. I called them and they said i have to come up with {$5000.00} to get caught up and thats without late fees and foreclosure fees which arent guaranteed to be removed. I don't want to lose my house. I have lived here for 15 years. I have fought so hard for this house.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report with EQUIFAX. I noticed inquiries on my credit report that i did not authorize, that are no connected to any account on my credit report by the following banks. XXXX inquiry date XXXX. According to 15 USC 6802 ( a ) A financial institution shall not disclose to other agency an account number similar form of access code or transaction of consumer. According to 15 USC 1681 ( b ) I did not give written consent no instructions for any inquiries to be allowed to report to EQUIFAX Credit Bureau. Please verify all in written letter. According to 18 USC 2028 ( a ) XXXX and EQUIFAX has committed Aggravated Identity Theft which is a crime according to 18 USC 2028. Please remove all inquiries on my credit Report with EQUIFAX
Product: Student loan

I am a XXXX XXXX with some student loans serviced by Navient. Over a year ago I filed for a XXXX discharge and was granted a permanent discharge by XXXX. They apparently sent the proper notices to Navient and about half of my loans got discharged and I recieved a refund of what I had paid. But, the remaining half, now amounting to almost {$20000.00} still has not been discharged. It has been about a year since the discharge decision and notice from XXXX. I am in forbearance that is about to end and my balance is growing daily due to interest instead of being discharged. I have called Navient several times during the year and was told that verification processes were taking longer for these " consolidation '' loans. Last XX/XX/XXXX a rep told me my discharge was scheduled for XX/XX/XXXX of this year. That date has come and gone and no discharge still. Now, when I call Navient, they say they know nothing of my discharge and tell me to call XXXX. XXXX confirms what I already know, that my student loans are to be discharged. Navient does nothing and my balance keeps growing ...
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 XXXX XXXX XXXX XXXXXXXX, FL XXXX, XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/2021, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/2021, XXXX XXXX Balance : {$3600.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$12000.00}, XXXX XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX - XXXX ) XXXX XXXX XXXX {$2500.00}, XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1300.00}
Product: Debt collection

I was contacted onXX/XX/2019 by someone claiming to be from the administration office of my place of work ( the phone number prefix matched my place of work 's HR department ) and asked to come to the administration office right away. I informed them that I do not live in the same state as my main office and could not do so. This person explained that I was being charged with fraud against XXXX XXXX XXXX for an unpaid debt, which would result in a felony on my record. I do own XXXX XXXX XXXX money for an unpaid installment loans and believed the threat to be true and asked how to resolve the issue before I was taken to court. The person said I could call ( XXXX ) -XXXX to speak to the law office handling my case, XXXX and XXXX XXXX and provided me with a case number, XXXX ( I now understand that this is not the proper format for a court case of any kind ). I called the number and provided the person with my case number. I was then transferred to a Ms. XXXX and was told that, unless I paid the entire amount owed ( {$2700.00} ) immediately, I would be forced to go to court and pay all legal fees on top of what I owe. I informed Ms. XXXX that I did not have that much money but could pay {$300.00} now and the rest on XX/XX/2019. She stated that she would check with the lawyer handling the case and put me on a brief hold. When she came back on the line, she said that the terms were accepted and I provided her with my debit card number. She said that a second automatic payment for the remainder would come out on the XXXX. Please note that no attempts to withdraw money from my account have been made to date. On XX/XX/19 I started to question the validity of this solicitation and searched online for the law office and a reverse phone lookup on the number. I found no such law office, but the number matched someone with the last name of XXXX in XXXX, TX. I searched for any law office in the XXXX area associated with that name but did not find anything. I contacted XXXX XXXX XXXX directly and they have sold my debt to XXXX XXXX XXXX XXXX. I decided to call the XXXX number back. When the person answered, I asked with whom I was speaking and she informed me that this was an answering service and she asked how she could direct my call. I said I was calling in regards to a debt collection and was transferred to Ms. XXXX. I told her that I was calling about my debt and wanted more information about the law firm she worked for. She asked if this was <identified me by name> and I confirmed. She said I was on a payment plan and everything was fine. I asked if she could tell me the name of the law firm and she said this was a debt collection company and that the debt had been turned back to them from the law firm. I asked the name of the company and she said it is XXXX XXXX and then immediately hung up on me. I have since blocked my debit card and have lost no money due to this scam. Please note that I do not believe XXXX XXXX XXXX   bears any responsibility for what has transpired.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of inaccurate information on my credit report Account Number : XXXX Credit Bureau XXXX Experian Account Type : Credit Card I am writing under my rights granted by the Fair Credit Reporting Act ( 15 U.S.C . 1681 ) and the Truth in Lending Act ( 15 U.S.C. 1601 ) to dispute inaccurate and unverifiable information that appears on my credit report regarding the account I hold with [ creditor name, e.g.XXXX XXXX XXXX XXXXXXXX ], which has been marked as a " charge-off. '' Upon reviewing my credit report, I have identified the following discrepancies between the credit bureaus ( XXXX, Experian, and XXXX ) : XXXX : Highest reported balance : {$4200.00} Current balance owed : {$4100.00} Payment status : Closed, reported as " Charged off. '' Experian : Highest reported balance : {$0.00} Current balance owed : {$4100.00} Payment status : Closed, reported as " Charged off. '' It also states that the account was closed due to inactivity. 

XXXX : Highest reported balance XXXX XXXX XXXXCurrent balance owed : XXXX XXXXPayment status : Closed, reported as " Charged off, '' and notes the balance was " reported as a loss by the creditor. '' These discrepancies show significant inconsistencies between the credit bureaus, particularly in regard to the high balance amounts and account closure reasons. According to Experian, the account was closed due to inactivity, while XXXX indicates it was reported as a loss by the creditor. Furthermore, XXXX provides different information about the high balance. This inconsistency violates the FCRA ( 15 U.S.C. 1681e ( b ) ), which mandates that credit reporting agencies ensure maximum possible accuracy when reporting consumer information. 

Additionally, under the Truth in Lending Act ( 15 U.S.C. 1601 ), I am entitled to clear and accurate information about my credit obligations and payment history, which is currently not being accurately reflected due to these discrepancies between the credit bureaus.

I am requesting that, in compliance with the FCRA and TILA, you investigate this dispute and remove the inaccurate information, including the charge-off, from my credit report. The conflicting data between the bureaus demonstrates the inaccuracy of the information being reported. Please provide me with the results of your investigation and a corrected credit report as soon as possible. 

I have attached copies of my credit report highlighting the discrepancies and inaccurate information for your reference. 

Thank you for your prompt attention to this matter. I look forward to your quick response.
Product: Credit card or prepaid card

My name is XXXX ; XXXX XXXX The Agent for principle XXXX XXXX, a federally protected consumer, holder in due course, attorney in fact. Dating back to XX/XX/2022 someone who works for American Express unlawfully closed all three credit credit card accounts that were under the estate of XXXX XXXX XXXX. Those accounts were not held by the financial institution of American Express. Since, I have been mailed multiple billing statements with the wrong amount. The amount showing on the billing statements are in a positive balance. How can I pay something in a positive amount? For example lets say I open a bank account and deposit {$1000.00} dollars, I know I have {$1000.00} dollars in the bank. Why? Because the bank statement shows an amount of {$1000.00} at the bottom of my bank statement. When the account is overdrawn and it says XXXX, I know I owe the bank {$500.00} dollars. So why when my monthly bill comes, it is in a positive amount? This is very misleading. All three credit card accounts should have a monthly zero balance because your financial institution received collateral equal to the credit amount when receiving application from the estate. Since the unlawful closing of all three accounts, stress and anxiety has been placed on my shoulders. Your financial institution continues to make false negative reports to credit reporting agencies. No one from the estate has granted your financial intuition permission to administrate the estate.
Product: Debt collection

An entry on my XXXX credit file for a collection. Can not reach company to dispute. An entry on dated XX/XX/2018 to my XXXX credit file from Receivables Mgmt Group that states that I owe XXXX ( original creditor ) the sum of {$830.00}. XXXX has never sent me a bill, nor do I recall ever visiting XXXX. Receivables Mgmt Group also has not sent any correspondence regarding this debt and placed it on my XXXX credit report without doing so. Under the Fair Debt Collections Practices act, I have the right to request validation of the debt ; not VERIFICATION. Reporting this debt under the Federal law may constitute fraud. Who was the original creditor on this account, and what was the account number? What was the original amount owed? Please provide a complete payment history, starting with the original creditor. Please provide me documentation that indicates that I agreed to pay someone this sum of money. What was the original date of delinquency for this account? Agreement that grants you the authority to collect on this alleged debt, or proof of acquisition by assignment. What did you pay for this account, and how did you calculate the current amount owed? Also there was no account number listed on the collection, so this makes me think that this really does not belong to me, so I need to know if this debt is actually valid.
Product: Credit reporting or other personal consumer reports

My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

DEPT OF ED/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX Its not possible that all four of my XXXX accounts could have gone from current to an immediate 90-days late. Im within my rights to ask a simple request for the removal of the late payment history. You can see that I make my payments on time and have done so since all of my student loans came off deferment status.

REVOVE LATE PAYMENT STATUS FROM 2013 PERMANENTLY!!!
Product: Checking or savings account

On XX/XX/XXXX I notified Chase JP Morgan Bank and made Bank representatives aware that a maintenance worker from the apartment complex XXXX XXXX located in Normal IL, I previously resided at entered my apartment unauthorized to do so, illegally and stole my debit card which is connected to my Chase Checking and Savings Account. 

A Chase telephone representative assured me that my debit card would be cancelled and my account would be put on a freeze until a new debit card was issued via mail. I informed the representative to cancel my debit card and freeze my account, but not to send me another card because of fear it may be stolen again due to this apartment complex having illegal access to my apartment. 
The representative assured me my account would be frozen and debit card cancelled. 

Fast forward on XX/XX/XXXX, XX/XX/XXXX, and XXXX my personnal funds totaling {$20000.00} were stolen out of my Savings Account ending in XXXX and my entire Savings Account depleted to a XXXX balance. 

I immediately notified Chase Bank of what had occurred and questioned them on their negligent behavior in allowing this crime and scam to happen as the account and debit card was not cancelled and frozen as they assured me it would be. I have strong reason to believe the representatives working at the Chase Bank located in XXXX IL committed this act as I had to file a complaint against the Branch Manager. 

I was told to go to the branch where the crime took place and retrieve a print out of my bank statements in addition to a affidavit form to file the complaint and start the investigation process. 
After faxing the required paperwork to Chase personnel, bank representatives continued to play games. 

Upon notifying Chase each representative answering the recorded call gave me misleading information, played phone tag and acted oblivious to the incident of my account being illegally targeted and my funds being stolen. 

I have since filed another complaint and a second investigation with their Executive office, one of which they refuse to resolve this issue. 
It has now been 2 months of constant back and forth with this establishment. 

They will not refund my personnal money even after seeing that I am a victim of fraud and representatives continue to act as if nothing has happened.
Product: Credit reporting or other personal consumer reports

I hope this email finds you well. I am writing to follow up on my previous attempts to address the late opening of my accounts and the removal of charge offs from my credit report. Despite our ongoing efforts and numerous attempts, it appears that the issues have not yet been resolved. 

I kindly request that you escalate this matter and take all necessary steps to address the late opening of my accounts and remove the charge offs from my credit report. Transparent communication regarding the progress made and the actions being taken to resolve these issues would be greatly appreciated. 

I understand that resolving these issues may require time and effort, but it is imperative that we work together to expedite the resolution process. Your cooperation and assistance in this regard are crucial to achieving a satisfactory outcome. The following late open accounts should be corrected and charge offs must remove as soon as posssible : XXXX XXXX XXXX XXXX Balance : {$35000.00} - Please check the Payment History and Status information on this account and adjust accordingly. 

XXXX XXXX XXXX XXXX : {$10000.00} - It seems that the following information reported is incorrect : account number, payment status, and date open. Get it right immediately ; otherwise, update the account from my report. 

XXXX XXXXXXXX XXXX XXXX Balance : {$440.00} - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately. 

XXXX XXXXXXXX XXXX : {$460.00} - The limit to this account was a fraction of the amount due it as stated. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER. 

XXXX XXXX XXXX Balance : {$250.00} - I believe this account is reporting inaccurately. I do not recall ever having a legal obligation with this company nor do I believe one exists. Please provide me with verifiable proof this account belongs to me. I request a signed contract which is the ONLY LEGAL authority that stipulates an agreement. Please remove it. 

XXXX XXXX XXXX : {$3600.00} - This account was showing an inaccurate payment history and payment status. A charge-off should show a XXXX balance. This inaccurate information continues to do harm to my credit. Please provide proof of the last payment. Otherwise, remove this from my file. 

XXXX XXXX XXXX XXXX  XXXX Balance : {$430.00} - This particular account is undoubtedly placed as a charged-off account, make sure you tell me the reason why there is a balance indicating on the statement if its a charge-off? The balance is truly incorrect, if possible, replace it to XXXX or eliminate the item certainly.
Product: Checking or savings account

On XX/XX/24 I received an email from the BMO Alto informing me that my account was updated to delete account freeze. When I attempted to log in, the account was indeed unfrozen. I then requested all my funds to be transferred to my XXXX checking account choosing the " Now '' button for the timing of the transfer. I understand the " Now '' button to mean the next business day. I have had this issue before. Today, on XX/XX/24, I looked for the transaction to have gone through hoping to see my funds in my XXXX checking account. The money was not there so I called BMO Alto to inquire and they told me the account was frozen. I told I got an email saying it was no longer frozen. To this they responded that I should call their fraud department. When I spoke with them, they said the account was no longer frozen. 
I told them my transfer didn't go through and they said it should go through but they had no idea when. This is my third complaint about this company. All I want to do is be rid of them.