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

Account info Account name FAIR COLLECTIONS & OUTSOURCING Account number XXXX Account type Collection Responsibility Indiidual Status Collection account. {$2.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX XXXX {$2000.00} XXXX updated XX/XX/XXXX Recent payment I have been fighting this account for over 7 years. I relocated from this property end of lease in XX/XX/XXXX with no balance. In the month of XX/XX/XXXX they added all types of erroneous fees and late rent to my account and subsequently my credit report. I have on numerous times disputed this the company and all 3 major credit bureau for them to never removed this debt. At this point the time is up it has been effecting me negatively for 7 years and I want it removed based on expectation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite three written requests to TransUnion that they are reporting inaccurte information, the two unverified accounts, ( XXXX XXXX and XXXX XXXXXXXX XXXX  ) remain on my credit report in violation of Federal Law. My last dispute to TransUnion was sent on XX/XX/XXXX. TransUnion sent me back the results to their investigation on XX/XX/XXXX stating in writing that they verified the accounts are being reported correctly? I also advised TransUnion that under Section 611 ( 5 ) ( A ) of the FCRA They are required to promptly DELETE all information which can not be verified or reporting 100 % accurately. TransUnion is reporting a XXXX XXXX account as a {$300.00} FHA loan with a chapter XXXX bankruptcy status. This account dose not belong to me. TransUnion is also a XXXX XXXXXXXX XXXX account with a Chapter XXXX bankruptcy status.
Product: Credit reporting or other personal consumer reports

Im getting denied for almost everything because of a false credit report. There is an eviction on my report which I went to court to have disputed and the eviction is still on my records, also my credit card report is stating that it went to collections which is false because Im on a payment plan with making payments on my credit now.
Product: Debt collection

I have made contact by mail by phone to all credit rules. XXXX is always a fight. I explained that my identity has already been stolen from me. I have also contacted the other two credit rules. XXXX has been a fight. XXXX has been a fight. My identity has been used and taken very personal. I am on a dark web at this time. Im lost XXXX. Continue to leave my credit open even after I put a freeze I have contacted all the creditors that I could find some have continue to send new credit cards to my address even after I ask them to close what ever they could see XXXX made it clear that someone was using my identity on the dark web and now I know about it close all open accounts, mainly synchrony bank. XXXX XXXX has been a lot of problems XXXX XXXX XXXX I have never had an account with them. Walmart and XXXX XXXX. I have been fighting together.. my identity has been breached out so bad. I had to change all my bank account numbers passwords social media accounts. The credit card companies continue to say the people was paying. Would you like the courts? I explained no its stolen identity. I dont want the credit a bank called XXXX XXXX bank sent out a letter immediately explain that there was a trade line of credit and that it will be closed immediately. Only when the people stop paying, I received messages. They were coming fast starting in XX/XX/XXXX. I started calling the numbers back. The creditors wouldnt give me any information. My credit score dropped. There was a red flag. My bank account was compromised. I had to change all my account numbers today is XX/XX/XXXX of XXXX. Im still fighting to get the credit card companies to go back and retract on my credit. I have no high limit credit. Im trying to protect my vehicle at this time and my home. I continue to give messages asking me to sign my final documents for large amounts of money. XXXX experience keeps unlocking my credit XXXX sent out letters to my Credit all creators close every account that belong to me I used to have a XXXX account XXXX stated to them that it didnt belong to me. It is closed at this time. I continue to pay XXXX. I spoke with them. They told me trash show your symptom a letter they stated that if I didnt tell XXXX that my XXXX account wasnt in my account stating identity theft, they were never supposed to do that I called XXXX and told them they were wrong for having my XXXX account closed. I never told them to do that so I disputed XXXX. I have nine transactions XXXX try to pull {$24.00} from my account. I disputed it .retaliation started to happen from the Credit reporting department XXXX I have free credit monitoring at this time because I am on a dork way up in my Medical Social Security number home address. Everything was breached out. My information was also breached out by XXXX and XXXX. I have already filed with the FTC. I have written letters. Its been hard.
Product: Credit reporting, credit repair services, or other personal consumer reports

I settled account with XXXX XXXX in XX/XX/2022 for {$3000.00}. I have received 2 settlement in full letters from Scott and Associates stating the account is closed and payment was received. One letter received in XX/XX/2022 and one in XX/XX/2022. However, the XXXX XXXX is still reporting that the {$3000.00} was applied to the balance and I still owe. It says that I have been past due since XXXX. I have contacted XXXX XXXX ( refers me to XXXX ), XXXX ( doesnt return calls or answer phone ), & Scott & Associates ( stats that XXXX is responsible for reporting and they have sent receipt over ) multiples times and it has not been corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've paid off the debt with the collection agency and was given a letter that they have instructed the credit bureaus to remove the account from my credit profile but Transunion continues to report on the account as open and unpaid.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I recently got a phone call from a debt collector asking for money for an account that I never authorized to be opened. That call prompted me to take a look at my credit report and that's when I realized that my identity had been stolen and my personal information had been used to open several fraudulent accounts. The fraudulent accounts currently reporting on my credit report are some medical service bill that I never authorized or received medical services for that totaled {$740.00} from XXXX XXXX XXXX. That debt is being collected by a company named XXXX ( XXXX    XXXX XXXX  ). I advised them that I never had any medical services done by XXXX, and they said there was nothing they could do but to continue to try to collect the amount owed. The second fraudulent account that is being reported on my credit report is a loan that some criminal applied for using my personal information with XXXX XXXX XXXX XXXX XXXX for {$820.00}. I tried calling XXXX XXXX XXXX XXXX XXXX and just kept getting transferred until I got frustrated and hung up. The third fraudulent account being reported is some type of loan with a company named XXXX XXXX XXXX for {$3700.00}. I have no idea who this company is and when I called them and advised them the I am a victim of identity theft and that I didn't authorize the use of my personal information to obtain this debt the representative laughed and said that I have to pay them or they will continue to report it to the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX company reporting late payments to my account
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XX/XX/XXXXAccount Number : XXXX Account Name : XX/XX/XXXXAccount Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XX/XX/XXXX Account Number : XXXX
Product: Credit card or prepaid card

On XX/XX/2020 I re-submitted dispute XXXX once again with a detailed letter disputing part of the {$310.00} charge on XX/XX/2020 from XXXX XXXX XXXX XXXX. In my letter I explained the attached billing statement reflected duplicate tax charges & charges for items I either did not receive or where included with my reservation. I explained the merchant stated they would correct the over billing but has failed to do so. I highlighted items individually which were billed in error to assist with Citi 's investigation. 

Citi 's response indicated Citi 's dispute resolution department failed to fully read or review my letter or attached documentation stating they found the charge valid because the billing statement which I indicated had several errors on it was for the same amount of the charge posted, which was over billed. 

I attempted to contact Citi via their online chat due to their limited phone support, which is only open during my normal business hours which I am unable to take the time off in order to wait on their extremely long hold times to correct an error they made themselves. The Citi support agent stated he was unable to help I would have to submit a letter, which I have already done twice and Citi continues to refuse to fully review or read.
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I am a victim of XXXX data breach. I want these items deleted off my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has deleted these accounts due to my information being sold from their data breach. Please help me delete these negative accounts on my credit reports that have been removed from my other credit reports : XXXX  XXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX I am attaching the proof of accounts being deleted from other credit reports, proof of data being breached through blackweb and datd breach from XXXX. 
All Credit Reports By Law List The Same Accounts For All Reports To Accurate And If and When Something Is Proven To Be False or Inaccurate and Removed From one Credit Report All Other Reports Should Do The Same.
Product: Debt collection

This is a debt from an XXXX XXXX XXXX Credit card that I was offered when I did not know anything about managing credit. I was young and was not educated on debt and how to effectively manage it. I was n't aware of a way to dispute this or make payment arrangements before the account was put into collections. If I was afforded the opportunity to resolve this correctly, I would not currently have this blemish on my credit report. I 've always been scared of the negative effects credit could have if you were not responsible. Now that I am XXXX, I understand finances and how to acquire and maintain great credit. I currently have a care note, and multiple credit cards with zero late payments and very low card utilization. I 'm currently asking for forgiveness of this debt, and that it be removed from my credit report due to missed communications between XXXX and I and how I do not have a history of negative credit card debt on my credit report
Product: Payday loan

In XXXX XXXX and I got a payday loan for a {$100.00} but I lost my job and I could pay back the loan. Last year in XXXX XXXX I got a call from my brother that his wife got a call asking for me that I needed to get in contact which I did. It was a collector calling to collect bui did n't have the money so I agreed on a payment plan of {$150.00} two payments. I Gave the first payment but could n't afford to pay the second payment a month later I got a call to settle for {$69.00} and I did n't and was suppose to receive paper work but didnt. And then yesterday I got a call from my brother telling me that a private investigator looking for me and just when he was about to hang up they told him that there was a warrant for my arrest for 2 counts of felony fraud. He never gave me a name but he provided me with the number and I called right away and got a recording for private investigator XXXX XXXX and I left a voicemail. I called today XXXX XXXX, XXXX in the morning and got a recording for a private investigator XXXX and left another voicemail. 10 minutes later I get a call back from private investigator XXXX returning the call from the message that I left. She was informing me that she was calling on behalf of Ezmoney payday loans and that they filed 2 counts of fraud and that at 1 warrants where going out for my arrest and that I needed to a total amount of {$1300.00} through a XXXX before XXXX today so that it could be settled and the warrant could be dropped or else police officers would pick me up where ever I was and take me to jail and I would have to go in front of a judge and get 120 days in jail and gett a fine of {$3500.00} and that 's including court fees. I informed her that I didnt have that kind of money and I wanted to know what I could do considering that I never received a letter or any notice and also because I am a single mother of XXXX. And all she could say that I needed to play that amount and make arrangements for my kids because I was going to get picked up and hung up. My concern is that I asked her how she got my brothers number and she told me that I had him down as an emergency contact but I informed her that before I even spoke toy brother yesterday I did n't have his number because my number lives out of state and that I had to leave a voicemail for two different people only to get a call back from a third person if I was calling the same number. But what alarmed me is that she was asking me for a money order for an amount over {$1000.00} in a XXXX. I know I spoke to my father and he said he did hear of some scam. I did n't send any money but my concern is that she told me I was going to get arrest today by XXXX since I told her that I was going to send that money since its money I do n't have.
Product: Credit card or prepaid card

My first call to Chase was on XX/XX/2021. I had a large credit balance, which credit card companies are required to refund under regulation Z. Most credit card companies are usually very eager to credit balances resolved because of the potential regulatory issues, so I didn't anticipate any issues. I was told that a check would be sent, and the credit was deducted from my account. 
When no check showed up after several months, I called back. I was told that I would get an email asking about my refund preferences within several days, and a check if I didn't respond. My contact info was verified and I checked my spam. I didn't get an email or the check afterwards. 
This morning I called Chase the third time. The first employee was very up front with me that he couldn't help me, and transferred me to his supervisor, XXXX. XXXX said she needed to email corporate, and then the call mysteriously disconnected. XXXX had my callback information but chose not to call back, so presumably this disconnect was intentional from her end. I tried calling back twice more. The IVR disconnected on me once. The other time, a representative named XXXX answered. When I expressed my request for a supervisor the call again " dropped ''. 
We're coming up on XXXX months of me trying to get a refund, and I have absolutely no reason at this point to believe that Chase has ever sent one -- though they were very eager to take the money out of my account. I haven't used profanity or done anything to merit them disconnecting the call, but that seems to be their solution to try to avoid giving me that refund every single time.
Product: Debt collection

I have asked them to stop contacting me. Instead I continue to receive 4 calls daily and from different phone numbers. They use different phone numbers to deceive. They also call my husband daily. I would like this to stop.
Product: Checking or savings account

I opened a checking account with Wells Fargo. ( XX/XX/XXXX ) I ended up changing my mind and closed it the same day due to their reputation that I didn't know of. My initial transfer to start the account was {$500.00}. They did not take the money until after I closed my account. ( XX/XX/XXXX ) I thought this was strange that they took my money after the account was closed so I called Wells Fargo and I told them about the transaction that took {$500.00} from me and at first they said dont worry a check will come in the mail. I call 2 to 3 weeks later with no check in the mail and they denied that it was them even though it says Wells Fargo took the money. Wells Fargo said that I needed to submit a dispute with my other bank XXXX which I did and XXXX did not side with me on the dispute. I even had a group phone call with a XXXX representative and a Wells Fargo representative and they both said that they agreed that the charge wasn't valid because that account was closed. Please help me {$500.00} is a lot of money for me in the holidays.
Product: Student loan

I attended XXXX or XXXX  XXXXXXXX XXXX from XXXX. I can't ever get a person whenever I call Mohela. On a side note, I was denied the XXXX because I didn't have my govt. loans in a " direct loan '' for the whole 10 years.? 
Anyway, when I refinanced my home, in XXXX or XXXX. I took about XXXX grand of equity out and I paid off the rest of my direct loans from XXXX XXXX, a XXXX XXXX. I shouldn't have done that! My friends are getting refunded money paid towards their loans from the Corinthian lawsuit and their loans forgiven, but I never got a refund or a letter. I don't have any more loans from attending XXXX so is this why? How do I get reimbursed? I'd love to put this back in to my home or help to assist my XXXX with his college. This is XXXX grand that I really need as a single parent. If others are getting their loans forgiven and getting their money back that they paid towards their loans, I should as well. I don't know how to go about it though. Since I don't owe money for these old loans, maybe it's not automatic in the system. How do I get them pulled up so I can get refunded. I can't understand how I wouldn't be eligible for a refund by being responsible and paying them off ( only about 4 or so years ago when others have not made any or little payments! I didn't have the money, but I refinanced to get rid of them. I can really use this money. Please please help! I called the department of education, and they said I needed to contact Mohela for the Corinthian lawsuit loan refund, but they don't answer. 

Not as important at the moment, but I'm also waiting on a refund from the money I paid during covid on my newer loans. I was told it would take up to 90 days. It's been way longer. I really appreciate your help with these issues. I am lost on what to do. 

Sincerely, XXXX XXXX last XXXX of ss # XXXX XXXX XXXX XXXX
Product: Mortgage

I have been attempting to work with SLS Mortgage company to bring my account current. They have, and continue to, mislead, redirect and outright lie to me about my account. 

On XX/XX/XXXX, I submitted 2 payments, one of them being {$6100.00} from my XXXX XXXX XXXX XXXX XXXX account. I just received the below email yesterday evening DENYING acceptance of my payment, which was sent - as directed by SLS phone staff - to their MAILING ADDRESS as they were unwilling to accept electronic or phone payment from me. 

SLS refused to accept this payment and the payment is now being redirect back into my XXXX XXXX XXXX XXXX XXXX account. 


I fully expect to receive notification that my second payment was also not accepted, however, I have not received it yet. 

Also - there is an UNAPPLIED amount which still exists against the account - although during my call yesterday, in which XXXX XXXX XXXX was also witness, SLS was advised to accept the full amount of unapplied funds to be immediately applied to the account. ( *Screenshot attachment ) -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- ( EMAIL ) -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Subject : Important Information Regarding Your XXXX XXXX XXXX XXXX XXXX Bill Payment XXXX Mon, XX/XX/XXXX, XXXX XXXX  ( 11 hours ago ) to me XX/XX/2021 Dear XXXX XXXX XXXX We tried to process your payment to SPECIALIZED LOAN SERVICING for {$6100.00} on XX/XX/2021, but it was returned to our processing center due to the payee 's refusal to accept the payment. The payment will be credited back to your funding account. Please allow 2 to 3 business days for the refund to post to your account. 


If you have any questions regarding this return, please work directly with your payee. You may need to update your payee information before scheduling a new payment. If you need assistance updating your payee information in the bill payment system, please contact the bill payment support area of your online banking organization. 


Sincerely, Electronic Bill Payment Support This message contains confidential and proprietary information of the sender, and is intended only for the person ( s ) to whom it is addressed. Any use, distribution, copying or disclosure by any other person is strictly prohibited. If you have received this message in error, please notify your online banking organization immediately, and delete the original message without making a copy. Please do not respond to this email. The email box is not monitored. 
The information contained in this message is proprietary and/or confidential. If you are not the intended recipient, please : ( i ) delete the message and all copies ; ( ii ) do not disclose, distribute or use the message in any manner ; and ( iii ) notify the sender immediately. In addition, please be aware that any message addressed to our domain is subject to archiving and review by persons other than the intended recipient. Thank you.
Product: Credit card

On XX/XX/year> I earned and had {$300.00} in my Penfed Rewards account. I earned the {$300.00} in cashback by using the credit card. Penfed removed the {$300.00} from my rewards account and terminated my ability to earn and redeem rewards. I have no late or missing payments.