23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. [ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 

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 A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within XXXX business days and to promptly notify the furnisher ( s ) of that information. I appreciate your prompt attention to this matter, and await your reply.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 I received a paypal transfer from a friend ( XXXX XXXX ). She used her paypal balance. From Paypal 's marketing materials, friends and family transfers are free of fees. She sent XXXX USD and I received XXXX USD in my account. There was a fee of around XXXX USD. 

When I inquired Paypal 's associate they mentioned that It was logged as a business transaction. But the system does not give an option to initiate a friends and family transfer, so the result is that any transaction is logged as an exchange for services/goods. 

Paypal is misleading as to how the fees work and purposely hides the option to do a friends/family transaction which has no fees.
Product: Mortgage

Amerihome mortgage services my mortgage that originated in XX/XX/XXXX. I have made multiple attempts to connect with their customer service team regarding various matters. The most recent incident ( XX/XX/XXXX ) was after I received an escrow analysis and I wanted to speak with a representative to determine if the additional amount due would automatically be added to my bi-weekly withdraw I have set up from my checking account. The representative told me to do this myself on their online portal. After I explained to her that it directed me to contact customer service, she hung up on me. After calling back and being on hold for 23 minutes, I finally received another representative who I explained my situation to however, he wasn't able to give me a direct answer and wasn't sure if my automatic withdraw amount would change or not. He advised me to wait until XX/XX/XXXX ... I am now attempting to call back today ( XX/XX/XXXX ) as I received an email stating that my automatic withdraw would occur on XX/XX/XXXX and I need to determine why this was sent as I am on biweekly withdraw and my next payment shouldn't be withdrawn until XX/XX/XXXX. Looking at my wait time, I am currently on hold and waiting for a representative for 33 minutes.
Product: Credit reporting or other personal consumer reports

I have over 15 hard inquries on my XXXX credit report that i did not give permission to search for.
Product: Credit reporting or other personal consumer reports

I am not liable for this debt with XXXX XXXX, I do not have a contract with XXXX XXXX they did not provide me with the original contract as i requested
Product: Credit reporting, credit repair services, or other personal consumer reports

As of late XX/XX/XXXX XXXX XXXX XXXX XXXX  is reporting a balance of XXXX ( the account has been closed charged of as of XX/XX/XXXX ) Since corvid I have tried many times to have this corrected and still they in fact kept the balance still opened. Stent letter to all 3 credit bureaus to XXXX- to result.
Product: Debt collection

I have no contractual obligation with this unknown company. I have not given consent for them to have any of my personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account SYNCB/CAR CARE DISC TIRE, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Vehicle loan or lease

Hi AMERICAN HONDA FINANCE ; How are you doing during this pandemic? Hoping that youre safe and sound. Listen, I was shocked when I reviewed my credit report today and found late payment on XX/XX/2020 XXXX for 30-days. 


I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I requested equifax remove an account from my credit report XXXX This account was removed then Account reinsertion happened in error This account should be removed.
Product: Debt collection

I leased an apartment at XXXX  XXXX from XX/XX/XXXX XXXX XX/XX/XXXX. When my lease was about to expire, I was informed I could do a month-month lease which will not be bound by any contract whatsoever and could leave whenever I felt fit. I enrolled in a month to month and stayed through till XXXX while also notifying the office of my intent to move in XXXX via a written document that was presented to the office secretary. 

On the XXXX of XXXX, I turned in all keys and fobs and vacated the apartment with the approval of the manager XXXX XXXX. I submitted a forwarding address to receive any letters that the apartment might decide to send. On XX/XX/XXXX, I noticed a collections account had been filed on my credit report and immediately called the apartment inquiring why, I was met with disdain and hung up on by the worker XXXX  who told me she would be sending an itemized bill as to why I was being charged {$4100.00}, she did not however follow up. I called incessantly for months after that and was met with no help. 

In XX/XX/XXXX after almost 2 years of no communication, I received a letter from National Credit Systems requesting to negotiate my collections, in which I demanded an itemized report and a validity of this debt via email and mail on XX/XX/XXXX, to which none was responded to. Instead I was badgered with calls asking for a negotiation to pay off this debt even after explaining I was not responsible for this and was wrongly charged by the company. 

This apartment has a long standing extorting its residents. I am a student and have fought tooth and nail to earn the score I have, and this falsely reported collections has done me much harm including my denial of a new apartment and is causing me much emotional distress as I have to move out of my current apartment by the end of XXXX.
Product: Debt collection

I voluntarily repoed a vehicle 3 years ago. I am NOW being told I owe almost {$5000.00} to a debt collection company by the name of XXXXXXXX XXXX XXXXXXXX. I had to agree to pay them {$180.00} a month for 24 months. I complied with the first payment out of pure fear due to the fact that the paperwork I was sent threatened wage garnishment as well as arrest and up to 180 days in jail. I can not afford to pay this debt. I have XXXX paperwork showing actual proof of this debt other then the one letter I received from them threatening me. When i asked if I can give them less per month I was told no. I need help desperately.
Product: Credit reporting or other personal consumer reports

I think FCRA 605B requires us to remove any incorrect accounts from my credit report. Can you check? Some accounts listed have inaccurate information about reporting, such as incorrect amounts and dates.
Product: Debt collection

Debtor : united collection servic, agency : experian. 
Acct # : XXXX commerce XXXX XXXX XXXX , XXXX. 
XXXX ( XXXX ) XXXX '' Address I.D . # '' :XXXX1 ) the " debtors name '' is abv. & MIS-spelled. 
( Servic. Instead of service ) 2 ) my " Legal name '' IS : XXXX XXXX XXXX. NOT, : XXXX " XXXX '' XXXX. 
3 ) Please advise above debtor to submit a bill for ALL " unpaid medical bills '' to my insurer, XXXX for payment in FULL. 
Thankx.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has been reporting the wrong information about me. They have no reason to lower my score. I've never missed a payment on my credit cards and now because of them XXXX has lowered my balance and there is no reason. They said it was lowered because of Equifax. What is the point of having credit cards and paying a yearly fee if when you use them you get your score lower.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX CHILD SUPPORT XX/XX/2023 XXXX XXXX To Whom It May Concern : On XX/XX/2023, I received a copy of my credit history report from XXXX, XXXX, and Trans Union. That Report contained incorrect information reported by you. 

I contacted the XXXX XXXX and Trans Union to request deletion of this inaccurate data from my Credit History Report, but they have refused. They insist that your company claims this information to be accurately reported. This is not true, and here as follows is the correct information : Child Support - I never had child support in my life. Me and my wife still live together and have our kids under the same roof. These child support payments are reporting inaccurately on all XXXX credit bureaus, ( XXXX, XXXX, and Trans Union ). 

This negative mark is damaging to my credit. Please contract XXXX, XXXX and Trans-Union , immediately to remove this information from my credit file. 

Please confirm to me within 20 days that you have contacted the credit bureaus to correct this information. 

Thank you for your time and assistance. 

Sincerely yours, XXXX XXXX
Product: Payday loan

I took out a small loan then lost my job, not even 2 days after the loans was to be paid back i got a very nasty threatening email saying they were going to garnish my check and take me to court and charge me almost XXXX! i didnt even borrow {$1000.00}! I dont know what to do or what they can even do. But never go through ace, they are a horrible nasty company.
Product: Vehicle loan or lease

On XX/XX/XXXX, I leased a XXXX XXXX XXXX XXXX from XXXX XXXX in XXXX, NY. It was a lease for 36 months and maturity date of XX/XX/XXXX. The bank was NMAC ( Nissan Motor Acceptance Corp ). 

On XX/XX/XXXX, I received a mailing to detail the End of Lease process. It asked to provide intention, schedule inspection of the vehicle and return the Vehicle to XXXX XXXX Nissan. 

On XX/XX/XXXX, I made my 36th and final payment. 

On XX/XX/XXXX, I had my inspection dome by AIM and no charges were found to be liable by me. 

On XX/XX/XXXX, I called XXXX XXXX Nissan to schedule the return and they stated they will not take the car back if I don't get a new car from them. 

On XX/XX/XXXX, I called NMAC to ask to return the car to XXXX XXXX Nissan like the letter stated and they said someone will call me back. 

On XX/XX/XXXX, I called XXXX XXXX Nissan again and " XXXX '' who didn't provide a last name said that I can not return the car without getting a new car from them. He was the " big boss '' and was not going to take the car back. 

On XX/XX/XXXX, I called NMAC again and asked to supervisor. I was transferred to someone who gave me an option to extend lease. I declined as I made my final payment and fulfilled all obligations of my lease agreement. I want to return the car. He stated there is no leasing returns being accepted right now. I stated then what I should do with a car that I had paid off my lease and still paying insurance for. He put a request to Mgmt for someone to pick up car. This can take another 5-7 days which will take me to the maturity date and I will be on the hook for another month of payment plus tax for a car I do not want.
Product: Vehicle loan or lease

I applied for a Loan from TITLEMAX LLC THINKIN I WAS GETTING A XXXX  MONTH LOAN! after paying for about XXXX  months I ask the lady who assisted me from day XXXX how much do I owe on my loan?? this is when I founded out I had a 30 day loan I ask her to talk to some XXXX to change this loan she said it could not be done I explain to her if I had know it was only a XXXX  day loan I would have never continue on this loan I explained to her I could not afford this loan. I am on social security and this the only income I have and I am XXXX XXXX XXXX I can not get work aloe explaining did not do any good I have paid {$2.00} for nothing only to keep TITLEMAX from taking my car the only way I have a copy of the contract I copy the contract off of my computer at home which had been hidden Thank god I still have a mind and knowledge to find things on my computer the loan agreement, promissory note and security agreement is what Titlemax do not want you to seethe first contract I did not sign it was a scribble the other months I sign not knowing what I was signing until I question her .the cost of the credit yearly is 159.50 % finance charge {$400.00} amount financed {$2800.00} total of payments {$3200.00} hope this will explained and help!!! each month it is a NEW LOAN!
Product: Student loan

I attended XXXX University in XX/XX/XXXX and graduated XX/XX/XXXX. I was forced to take out 2 loans one federal loan and one private loan. The university insisted that I use Genesis Lending. However due to XXXX University 's fraudulent behavior they were found to of committed fraud. I received a discharge through the Borrowers Defense lawsuit and was reimbursed for the federal loan however I paid my Genesis loan off in full and now I can not get the company to return any calls and can not get any answers concerning getting my XXXX dollars back that I paid in full. How do I get my case in on the lawsuit against Genesis Lending. I was just terribly mislead by this company as well as the XXXX University.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have three negative items on my credit reports. Two of which are related to me short-selling my home after a divorce in XXXX. The XXXX XXXX was XXXX XXXX XXXX Mortgage and the 2nd mortgagee was XXXX XXXX XXXX. Both of those lenders accepted their prospective proceeds from the short sale in XXXX. I have no issue with those negative debts on my credit report. The third negative item is from XXXX XXXX XXXX XXXX partial acct # XXXX ... XXXX and it shows Paid in Settlement in XXXX. I believe there has been a mistake in reporting between lenders. I believe XXXX, previously XXXX XXXX, was my original 2nd mortgage. As was common back then, my mortgages were sold to different lenders in the time I was there. I believe a reporting error was made because of a lender debt sale or name change. I have contacted the phone number on my credit report for XXXX and been transferred to multiple phone numbers within the company. Finally, I spoke with someone at XXXX who can only see the same account info in their system that is on my credit report because the account is so old. XXXX, nor the Experian Credit Dispute can show any documentation that this " debt '' is actually a negative item created by me. There was only a XXXX and 2nd on my home and those were settled. I need proof of what this negative item from  XXXX actually is and how it was settled. If this debt ca n't be substantiated by the lender, then the negative item on my credit report needs to be removed. I have already intitiated and received and disputed the intial credit report dispute thru Experian. There response basically said that " Yes, XXXX settled a debt with you ''. No other information at all. It could be a fradulent account and the lender provided no evidence to the contrary. Please help.
Product: Mortgage

I believe I am a victim of Loan Churning from PHH Mortgage Company. I have signed a modification dispite that I have not three consecutive payments payments I signed a modification out of distress just for good faith practice on my behalf. After I signed the paperwork I sent it back in a timely fashion as a matter of fact I overnighted the paperwork through the USPS, I have submitted the receipt for that I also have noticed that they continue to try to force me into New modifications when there is no reason to because I am paying. My loan started off at XXXX it's now 140k. Please help me I am paying them.
Product: Checking or savings account

On XX/XX/XXXX, I was notified that our bank account had insufficient funds. After checking online, I realized that a check I had made out to our Water Department for the amount {$31.00} was fraudulently changed and made out to an individual named XXXX XXXX in the amount {$5400.00}. I told the bank I do not know a XXXX XXXX. 
I also told the bank that I had the duplicate copy of the check. 

I have yet to hear from the Bank of America. I have called numerous times for updates and each person I speak to they say it is under investigation. 
The bank will not allow us access to our money and we are unable to pay our bills. 
Some of our creditors have started to assign fees to our accounts and are showing payments as being late even though I have notified them of the situation.
Product: Credit card or prepaid card

I bought my husband a watch from a company called XXXX XXXX for {$190.00} on XX/XX/2018. My husband didn't like it so I returned it promptly to the same address it was shipped. I sent it by XXXX to XXXX XXXX, XXXX XXXX XXXX, XXXX, CA XXXX. It was received by XXXX XXXX on XX/XX/2018 and accepted by an employee name XXXX. The XXXX Tracking number is XXXX. 
After not hearing from the company I contacted them and they told me I should have got an RMA number when returning the watch. Unfortunately, I had already returned the watch to XXXX XXXX and as the Tracking Detail shows, they have it. 

Since I returned the watch and did not receive a refund, I disputed the charge with Citibank whose MasterCard credit card I used to purchase the watch. They assigned me a dispute number XXXX. 

It's important to note, Citibank failed to provide a copy of the merchant response to me. Their documentation said it was attached but it never was. I contacted Citibank several times asking for the response and their agents told me that they didn't know why it wasn't included but would send it to me. Citibank never provided this information to me. 

On XX/XX/2018, Citibank said they could not give me a credit because I had not followed the companies return process. 

This action by Citibank is unfair in that they are charging me for a watch I do not have but the merchant XXXX XXXX does ( see Tracking Detail ). Their actions also must have violated federal banking regulations in that they never provided me the merchant 's response and thus deprived me of an opportunity to respond to the merchant 's response.
Product: Credit card

Credit card was charged at XXXX XXXX in XX/XX/2023 in the amount of XXXX The transaction was declining and we canceled the order, I was told by the merchant my transaction was voided and the charge will fall off shortly. The charge was posted shortly after and I filled a dispute on XX/XX/2023. I called several times and requested a status updates where multiple representatives reassured me the transaction was disputed. I sent a form back in XX/XX/2023 and I called on XX/XX/2023 where I was once again reassured by a representative that nothing was needed and the case should be resolved. The agent was extremely miscommunicated and ask to speak to a supervisor where my call was escalated to supervisor by the name of XXXX, she reassured me everything was received and my case should be resolved shortly. On XX/XX/2023 I received a letter stating I did not file a dispute within the timeframe allowed. This is unacceptable as I called in multiple times and Macys XXXX XXXX employees reassured me everything was fine and dispute was moving forward.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Original creditor XXXXXXXX XXXX  XXXX XXXX Balance : {$8900.00}, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXXXXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Product: Debt collection

EQUIFAX is obligated by the FCRA to report accurate accounting. Consumer has advised that XXXX XXXX XXXX XXXX XXXX was reported as a fraud account with and has completed an FTC report which is attached. Said company had XXXX XXXX according to LAW to remove such report. Consumer is now requesting that EQUIFAX remove XXXX XXXX XXXX XXXX XXXX immediately. EQUIFAX has XXXX XXXX to provide me with documentation used, signed application with consumer wet ink signature, consumer is not asking for XXXX report. If EQUIFAX does not have documentation to show these were in fact authorized, it must be removed asap. SAID company is liable under the SEC to follow certain rules. EQUIFAX commissions file number 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I will be filing from XXXX XXXX XXXX forms to audit consumers account. EQUIFAX is securitizing consumers data yet refuse to provide consumer a copy of their CONSUMER FILE NOT CONSUMER REPORT.