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

I have not lived in Massachusetts for quite some time. The account was disputed. No action was taken.
Product: Debt collection

XXXX XXXX XXXX XXXX as XXXX XXXX XXXX ) is committing fraud in their serving process. According to their client Patenaude and Felix, I was served properly on XXXX XXXX with a lawsuit by a person named " XXXX XXXX '' Upon calling and searching for a way to contact XXXX ( as XXXX XXXX ), I have asked for the full name of this person who supposedly served me which leads to a circle of the attorney for Patenaude and Felix XXXX XXXX and XXXX ( as XXXX XXXX ) telling me to call the other party about the server 's full name. 

I am at my wits end with this matter, due to the fraudulent service of this company 's employee leading to a default Judgement against me from a lawsuit that I was n't able to defend myself from. 

The fraudulent service in question is listed on the sheet as being in person on XXXX XXXX, however in addition to this being completely false, the description of the person listed on the process form is false. 

The company 's name is listed on the documents, however they company wo n't give me the person 's full name, their client wo n't give me the person 's name by telling me to refer to the Proof of Service form. There also is n't a signature on the form from theThis company is acting fraudulently and XXXX ( as XXXX XXXX ) should be found liable for violation of the FDCPA for falsifying information on legal documents in order to obtain a false judgement. Even the phone number that was listed on the legal documents was false.
Product: Debt collection

I honestly have never heard of this bank. I don't know what this collection is. I tried calling this company but they did not have any information for me. That I owe a debt and used cuss words.
Product: Vehicle loan or lease

Hyundai capital America - Amount - {$17000.00} DateXXXX XXXX XXXX Action taken towards me was an charge off. 
I have no knowledge of this account I am a victim of identify theft. 

Hyundai Capital America - AmountXXXX {$3700.00} DateXXXX XXXX Action taken towards me was written off by lender. 
I have no knowledge of this account I am a victim of identity theft. 

XXXX XXXX Amount- {$960.00} Date-XXXX  XXXX Action taken towards me was a collection Account .I have no knowledge of this account. 

Inquires that I have no knowledge of- XXXX XXXX XXXX DateXXXX DateXXXXXXXX XXXX XXXX XXXX DateXXXX DateXXXX XXXXXXXX XXXX XXXX DateXXXX XXXX XXXX XXXX Date-XXXX XXXX XXXX  DateXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is reporting inaccuracies on my consumer report. I have tired to resolve this issue with the company mentioned in this complaint. They are continuing to report late payments on the fallowing accounts. I have asked for proof of these Late Payments and they have failed to do so after sending several request certified mail as I will attach below. I am also aware these companies are not allowed to report transactions on my consumer report under 15 usc 1681a ( 2 ) ( a ) ( i ) - Permisible Purpose, ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ACCOUNT NAME : XXXX XXXX XXXX  ACCOUNT # : XXXX
Product: Checking or savings account

I have a saving account with my mother who has XXXX since the year XXXX In BANK OF AMERICA. It is our only joint savings account that I am under with her. In the year XXXX I discovered that between XXXX through XX/XX/XXXX, there were fraudulent foreign transactions being made on this account wiping out over {$25000.00} American dollars. While this was happening the bank did not notify me nor make any attempt to freeze the account on my behalf, when asked why they didnt they said that is not something that this bank does. And I know if it were any other bank with foreign transactions, it is stopped until it is verified that it was the account holder making the transaction. Moving forward, at the end of XX/XX/XXXX I received the last statements of the year which led me to discover what was going on. Come XXXX of XXXX a claim was made with the banks branch in which I sent evidence proving that neither I nor my mother were out of the country when these withdrawals were happening, they said they had sent me an email and I did not see a single message from them about this. I sent the evidence they asked for proving we arent there because it was by pin and to them that wasnt enough then a couple of weeks later, I received a letter from the bank saying that they deduced that while they were sympathetic to my situation, they were not liable for what happened. I complained once more and told the police what they could do. They said that the bank must order an affidavit for them to begin an investigation and take it further to assist me. Without this, they could not assist me until it was in hand. The bank did no such thing and while submitting my evidence I was told to write a letter on behalf of my mom when I explained to the bank XXXX my mother is XXXX with XXXX saying that a card that was apparently used to do these transactions had-had the pin number on the back and that she wrote it I nor my mother have this said card and if a pin was written I would not know how it would be in the hands of someone able to make foreign transactions if XXXX not in that country, they just assumed that we allowed XXXX to be stolen from the account when in XXXX alone there were XXXX transactions. The second letter I received about the decision was the same as before while sympathetic they said I did it and the case was closed. I sent sufficient evidence to combat this, and they did not help me at all to rectify this, leading me to reach out to other means of assistance. The evidence I'm providing on the statements is some transactions that I have made are clear to see amongst the many foreign transactions that appear on the pages provided that I DID NOT AUTHORIZE.
Product: Debt collection

Hi there! Back in XXXX I found out I was pregnant. When I notified my job ( warehouse position ) they didn't seem too happy. Things eventually got worse and I was fired from my position. I was able to collect unemployment ( due to being fired for being pregnant ) because my firing wasn't reasonable. At the time, I had 6 open credit cards, utilities and bills. I choose utilities and bills over credit card payments. I informed my creditors that I had experienced job loss. XXXX  XXXX  was supposed to cancel out my account, I would be responsible for the balance and the annual fee only. It is now XXXX and the creditor has since sold the account to a collection agency XXXX XXXX XXXX. They did not once try to call me to collect on this debt. They apparently sent mail to my mother 's address to collect on this debt. My credit limit was {$800.00}. They have now escalated the matter to XXXX and XXXX law firm where they are currently suing me for {$1200.00}. I asked for validity of the debt, I also asked why I was charged {$400.00} in fees and interest on an {$800.00} account. They are unwilling to workout reasonable payments on the debt owed. They want the entire {$1200.00} but im only responsible for {$800.00}. I have tried multiple times to request documentation on this account to see why im being held accountable for the {$1200.00} and not {$800.00} and I'm being told they dont have access to that information. I called XXXX  XXXX, they said they dont have access to that information because they sold the debt to the law firm. I called the original creditor ( XXXX  XXXX ) for a statement balance, he made me aware that my balance was only {$800.00} as of XXXX of XXXX. When I asked why my balance had increased to {$1200.00} when the account should've been cancelled he apologized and stated that the account wasn't closed until several months later and it must've been a glitch in the system. There is nothing he could do about the fees, as the debt had been sold off to XXXX XXXX XXXX who sent it off to STENGER and STENGER lawfirm after not attempting to contact me via phone or email. I would also like to add that Stenger and Stenger law firm offered me a settlement on my first XXXX  XXXX account and allowed me to make payments on the SETTLEMENT amount, not the full balance. I made every {$300.00} payment on time without an issue. They have stated they can not do that now with my other account due to financial hardship of covid. Everyone is experiencing financial hardship due to covid.. Not just big companies. This is just disgraceful and unprofessional.
Product: Credit reporting or other personal consumer reports

I hope this communication finds you well. I am writing to express my deep concern and frustration with the unsuccessful attempts to remove fraudulent items from my account with Credit Bureuas. Despite multiple efforts to address this issue, the resolution process has proven to be challenging and unproductive. 

I discovered unauthorized and fraudulent transactions on my account, which has caused significant distress and inconvenience. Since then, I have been diligently working to rectify this matter by contacting your customer service department. Regrettably, each attempt to resolve the issue has been met with limited success. 

I understand that fraud-related matters require thorough investigation, and I appreciate your commitment to addressing such concerns. However, the lack of progress and effective communication has left me feeling dissatisfied and vulnerable. 

I kindly request the following actions to be taken promptly : A comprehensive and expedited investigation into the fraudulent items on my account. 
Clear and transparent communication about the steps being taken to address and rectify the fraudulent transactions. 
Timely removal of the fraudulent items and restoration of my account to its rightful state. 
I expect a resolution to this matter withinthe exact timeframe from the date of receipt of this letter. It is crucial that the necessary measures are taken to ensure the security of my account and to prevent any further unauthorized transactions. 

If the issue persists without a satisfactory resolution, I may have no choice but to escalate this matter further, including involving relevant regulatory authorities and seeking legal counsel. 

I trust that your organization takes matters of fraud seriously, and I appreciate your immediate attention to this pressing concern. I am asking for your assistance to remove these fraudulent items in my credit file : 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 Balance Owed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Complaint against JG Wentworth Mortage/Home Lending On XX/XX/19, I made a payment to my Mortage company that was significantly larger that the amount due. My expectation was that this would follow the normal process, and the excess would be applied to principal. Instead, JGW took the excess, and considered it a forward payment on XX/XX/XXXX. Upon seeing the mistake on their website, I contacted them, and was assured that the mistake would be corrected. It was not, and 4 more  contacts were made in XX/XX/XXXX, and in each instance, I was assured that the problem would be corrected. On XX/XX/19, I was told that their computer system was incapable of making this change, and that they could not correct the error. 

Although this may seem like a minor problem, please note that I made several principle payments in XX/XX/XXXX, and my monthly interest cost has dropped from {$1300.00} to {$900.00}, so XXXX is awarding themselves {$400.00} for their incompetence. 

Their customer service in this situation has also been horrible, they make promises to call me back with resolutions, and never do, and when I submitted an e-mail about the situation, they failed to provide a suitable response.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act the accounts listed below have violated my rights. 

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

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

I have a XXXX credit card issued by TD Bank with a credit line of XXXX dollars and a current balance of about XXXX. I never have a late payment on this card or in any account. My credit score is XXXX mostly because is not not old, only 7 years. I just received a notification for TD Bank informing that because they are ending the credit card relationship with XXXX, my account will be close. How much that will be impacting my credit score specially now that I 'm about to apply for a mortgage. I have been fulfilled my obligation but apparently that means nothing for them.
Product: Payday loan, title loan, personal loan, or advance loan

I am filing this complaint against Kikoff Lending for inaccurate and incomplete reporting of my account Account Number XXXX to the credit bureaus, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2. This inaccurate reporting is causing significant harm to my creditworthiness. 
Details of the Issue : My Kikoff Lending account is reported as derogatory on my credit report, despite the payment status showing " paid, closed. '' The payment history is incomplete, reflecting only a single XXXX late payment in XX/XX/XXXX, with no record of payments before or after this date. This incomplete and inaccurate reporting violates FCRAs requirement for accurate and verifiable information. I mailed a dispute letter to Kikoff Lending on XX/XX/XXXX, Kikoff Lending has failed to correct or remove the inaccurate reporting
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a hard inquiry from XXXX XXXX XXXX that I did not authorize. I have submitted a police report to Experian that shows that my identity has been stolen and I am needing this removed please.
Product: Credit card or prepaid card

On or about XX/XX/2022 I paid off, in full 5 credit card accounts, and sent letters to close those accounts. For some reason, one account XXXX XXXXXXXX the worst of accounts refused to close the account. I was only made aware of this by a bill they sent me a week ago. I called them, they said they received no such letter ; I sent all 5 by certified mail and my computer has the original letter and date stamped when it was written. This Company is basically committing credit card FRAUD!! Their card was promptly shredded and even their records show it has not been used!! Why is it that the other 4 creditors had no problem but Total Select, the bottom of the barrel, when it comes to credit cards, has ignored my request and is basically trying to scam me for money I DO NOT OWE THEM?!? I closed that XXXX account and I have proof.
Product: Bank account or service

I was a victim of identity theft ; my SSN, drivers license, and checks were stolen and used to write checks and open/apply for credit cards. 
In 2012, I moved back to XXXX from the XXXX, IL area. I had assistance from a local moving company. Upon arriving in XXXX, I noticed that there were some personal items missing including my social security card, drivers license, state ID, a box of checks, and XXXX credit cards ( I always safeguard these items in one of my dresser drawers, and they were missing ). About a month later, I realized that my account was negative and there was a {$500000.00} hold. When I spoke to a rep at Fifth Third Bank, they informed me that there were a few checks written out that were cashed for roughly $ XXXX-XXXX. I advised them that this is fraud, to not honor the checks, and to close the account ; I did not want to have checking accounts at a bank that the fraudsters knew I was associated with. I contacted the credit bureaus and placed fraud alerts on my credit report, and also contacted XXXX XXXX and XXXX XXXX ( XXXX cards were used fraudulently around that time as well ). 
I recently ordered a XXXX report and noticed that Fifth Third is still listed along with the reason for account closure : suspected electronic fraud. I contacted XXXX to have the item removed, but was sent a letter roughly 2 months later stating that Fifth Third said everything is valid ; Fifth Third has no right to tell me that everything is valid, when I have told them multiple times that it is not. I was a victim of identity theft and the person that cashed my check needs to be held accountable, not the victim ( myself ).
Product: Debt collection

How is it possible that XXXX keeps appearing on my credit month in and month out with different company 's name, different opened date, and first date of delinquency and different date of last activity. This is completely unacceptable and it shouldn't be reported because as you can see, it's

reporting incomplete, misleading information. It was once removed from all the 3 major credit bureaus and now it's reporting back with a different open date as collection. DOn't you think this is unjust? Again, I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediately reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Product: Credit reporting or other personal consumer reports

XXXX XX/XX/2023 XXXX This account was removed XXXX sold this account to XXXX XXXX XXXX EQUIFAX are reporting inaccurate information to my credit report I have asked several time for them to verify this information that is not mine I have reached out no response back this need to be removed off my credit report due to the fact it is fraudulent XXXX XXXX  XXXX XX/XX/2023 {$1200.00} This account was removed from my credit report already EQUIFAX are reporting inaccurate information to my credit report I have asked several time for them to verify this information that is not mine I have reached out no response back this need to be removed off my credit report due to the fact it is fraudulent CLOSED ACCOUNT
Product: Credit reporting or other personal consumer reports

I am writing to you for the tenth time in an attempt to resolve persistent inaccuracies on my Experian credit report. Despite multiple requests for reinvestigation, the responses received have not adequately addressed the discrepancies in question.
Product: Mortgage

After getting CMG mortgage response from my last complaint. They say I missed a payment and was late on another. This is inaccurate! I believe they didn't fix the problem to begin with. I would like to know if I can request an independent audit on my account. This company is either illegal, or don't know what they are doing. If they are doing this to me, how many others are they doing it to?
Product: Debt collection

I paid this collection immediately when I realized that I owed it. I was told at the time that it would be DELETED from my credit reports if I paid in full, which I did. 
This was in 2013. 
I have recently found out that it was still being reported to my credit reports that I have a paid charged off collection. 
I disputed this with the credit bureaus. XXXX and XXXX have since deleted the account, but it remains on my XXXX account, and they are refusing to allow XXXX to remove it. 
I did not know that I needed to keep my letter from Robinson Regean and Young bc I thought it had been deleted years ago. 
I have call Robinson Regean and Young also and they have basically told me thats to bad we dont have to delete it now years later. 

I want them to take this off my XXXX Credit Report bc thats what they told me they would do, in writing and over the phone.
Product: Vehicle loan or lease

I have been trying to get my account back on track. My job sends me traveling and me and my crew became ill of covid and the project was shut down for 2 weeks we are unvaccinated. I was working with XXXX XXXX and explained my situation to her she said unfortunately there are no programs that can help me. She see i was making payments and keeping my payment arrangements but unfortunately the way my account is set up i can never get caught up. If i pay on the XXXX i get a new payment due the XXXX causing more late payments and keeping me behind. Now its to the point XXXX say oh well its nothing she can do since its no programs available and i just need to pay XXXX to stop the repossession and i can no longer make payment arrangements unless its the full amount. It's no way i can come up with XXXX and its XXXX plus I'm a single parent of XXXX paying a XXXX rent. The cost of living is going up but my check s are not and for them to a they cant help is stressful. I been paying them XXXX for XXXX yrs now that is almost XXXX and I still have XXXX left to pay. I keep the arrangements like she ask plus I was making payments to me that should show progress before I got behind I had my payments in on time unfortunately I didn't plan on my crew getting XXXX. This is a very stressful situation to be i I need my car to take the kids to school and go to work for them to say my payments are not helping and if i pay the my car can still get repo that's insane.