23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Acct # XXXX Chase Mortgage Property address : XXXX XXXX XXXX, XXXX XXXX, Fl XXXX Complains : XXXX XXXX I am trying to reach Chase regarding this Home Equity Loan. I request these twice already. I can not recall any of these transactions. I request copy of paper checks showing my signature. I am only requesting this because I moved many times around Florida and I do not remembered making these transactions. Chase send me a computer screen shot printed but they said that they won't provide additional information because they are unavailable. 
I can not understand why they send me with a XXXX but they do not have proof of my signature on this transactions. I want this to be corrected. Why they are sending XXXX without evidence. 
I am requesting something simple. Why they do not have evidence or prove? Why they are sending a XXXX without evidence?
Product: Debt collection

I am a victim of a natural/ declared disaster. I got this account removed from XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX. Please remove from remaining account. ( Equifax )
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX To Whom This May Concern, I have recently pulled my credit report and noticed that there is a collection listing from your agency.

Thave never been notified of this collection action or that I owed the debt.

This letter is to inform you that I have the right to request a validation of this debt and your ability to collect this money from me. I ask that you prove that I am indeed the party who is contractually bound to pay off this debt or stop collection activity and remove it all together.

Please attach copies of the following documents : * Agreement that you have authority to collect on this alleged debt.

* Agreement that bears signature of the alleged debtor with promises to pay the original creditor.

* Complete payment history on this account, to prove that the amount you wish to collect is correct.

I hope your legal staff will agree that noncompliance with this request will result in serious legal trouble for your company. 
Sincerely XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

OnXX/XX/XXXX TransUnion received a dispute letter from me ( see attached letter with certified mail return receipt : XXXX ). I was then notified by TransUnion that because I had contacted them previously, they would complete their investigation before or on XX/XX/XXXX ( see attached letter from TransUnion XXXX XXXX ). I have not received any communication from TransUnion regarding this dispute. This seems to be a violation of FCRA and Texas state law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm requesting for the 3 major credit reporting agencies to remove and block these following unauthorized accounts reporting on my credit file. The following accounts do not belong to me. 

1 ) XXXX XXXX XXXX {$1700.00} 2 ) XXXX XXXX XXXX {$1100.00} 3 ) XXXX XXXX XXXX   {$2000.00} 4 ) XXXX XXXX 5 ) XXXX XXXX 6 ) XXXX XXXX XXXX XXXX XXXX {$4600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

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

As a consumer natural person I am asserting my consumer rights pursuant 15 U.S. Code 1681b ( a ) ( 2 ) per my written instruction I say what can be on my consumer report. I did not consent nor contract with XXXX XXXX on Wednesday XXXX XXXX. I request that this account XXXX is deleted. I ask that this alleged debt is verified and investigated. Pursuant 15 U.S. Code 1681a ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. The above account is a direct impact to my ability to exercise my right to credit because my reputation with this consumer reporting agency is inaccurate and I know that the banking system is dependent on this reporting. I ask for a copy of full credit file not report the full file
Product: Debt collection

I moved out of an apartment and was provided a move out statement that had amounts that I questioned. The management company was non responsive in my attempts to get information on those and how to remove the charges that I felt were not valid and were incorrect in amount. I did not pay the balance due as I was not getting any response. I attempted to call multiple times as well to resolve, with no success. 
Almost a year later I received an email from Genesis stating I had a balance due to them for them account at my former apartment. I had not received any prior communication from them in the form of a letter or a phone call. I again replied that the amount owed indicated was not correct. I was provided a statement with totals that did not have support for it and a copy of my lease that clearly indicated that the amount being charged is different than what my lease indicates. I continued to ask for proper support and to state that I did not agree with the amount. 
They then proceeded to call my family in an effort to reach me. I responded that all communication needed to be through email with me only. 
After that, I did not get any response for two months until I got a credit notification that I had a collection account that reported to the credit bureaus.
Product: Credit reporting or other personal consumer reports

I called into credit union and requested my credit report and I noticed that had some hard inquires on my report. I called in a wanted them removed because and they are incorrect and they don't have permissible purpose. 

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

FTC Violations FTC Action Halts Operation That Billed More Than {$25.00} XXXX to Consumers ' Bank and Credit Card Accounts without Their Consent XX/XX/2013 FOR RELEASE TAGS : payday lending Bureau of Consumer Protection Consumer Protection Credit and Finance Payments and Billing At the Federal Trade Commissions request, a federal court has temporarily halted an operation that allegedly used an intricate web of concealment to debit hundreds of thousands of consumers bank accounts and bill their credit cards more than {$25.00} million without their consent. The court also froze the defendants assets and appointed a receiver to control the business pending trial. 
According to the FTCs complaint, the XXXX XXXX XXXX defendants targeted financially vulnerable consumers who had never come in contact with them, and without authorization debited their bank accounts and charged their credit cards, usually for about {$30.00}. Those who disputed the charges were told they had purchased something, such as financial counseling or loan matching services, or assistance in completing a payday loan application. How the defendants got the consumers financial information is not known, but some consumers had recently applied for payday loans via the Internet, and entities that receive payday loan applications often sell the information to other parties. 
XXXX XXXX XXXX  {$4900.00} XXXX - XXXX XXXX {$7500.00} XXXX XXXX XXXX   {$380000.00} XXXX {$10000.00} Never live at XXXX XXXX XXXX XXXX XXXX, NY XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent a mail regarding identity theft and fruadlent accounts on my credit and i got a mail today stating that " i was not the one who sent that mail ''. I feel as though this is ridiculous. I spend my interior weekend gathering all the documents to receive a mail like that. I am extremely upset. Ive been trying to fix this issue for a while now and nothing. These accounts listed on my credit report are not related to any transaction done by myself. I have attached the FTC report along with my drivers license and social.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX -- XXXX {$510.00}. I never opened an account with them. 
XXXXXXXX XXXX -- XXXX {$560.00}. I never opened an account with them. 
XXXXXXXX XXXX -- XXXX {$2800.00}. I never opened an account with them. 
XXXX XXXX XXXX -- XXXX {$940.00} XXXX XXXX XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXXXXXX XXXX XXXX -- - {$1600.00} I have disputed these companies on all 3 credit bureau and these company with no results of them being deleted. The company will not provide any information to me these accounts belongs to me. I have never done business with these companies nor have i applied for credit with any one of them. All 3 credit bureau keep the information on my reports saying it was verified and when i ask how they verified the information and for them to send me proof how it was verified they don't provide it to me. I've been going back and forth with the companies and the credit bureau for a few years on these companies. I have been a victim of identity theft and have the alerts on my report. I'm a victim of XXXX XXXX, XXXX, XXXX data breach.
Product: Credit card or prepaid card

I upgraded my capital platinum card to venture one card and they told me that they will send me a new card 5to7 business day which i have never received that card. when i was checking my account online i saw 3 charges made on my acct. it was XXXX XXXX cash advance and wall mart the amount was {$380.00} for both cash advances and {$720.00} XXXX for wall mart. I called the credit card company and told them that those charges was not mine. and they give me credit the same date which was XXXX XXXX and after on XX/XX/XXXX th they charge my account with the same charges and told me that either me or someone in my household did those charges. i wanted to reopen the dispute and they refused. I was told that i have to pay the charges on my account. please help me to resolve that issue
Product: Checking or savings account

I was recently scammed out of {$6000.00}. I am currently a recipient of XXXX ( unemployment ) and between XX/XX/XXXXsomeone/s withdrew {$6000.00} from my pre-paid XXXX Bank of America account XXXX XXXX XXXX. Once I discovered the unauthorized transactions on XX/XX/XXXX I filed a claim via phone with the institution. I received a denial letter dated for XX/XX/XXXX in which I requested a reconsideration. My claim was reopened XX/XX/XXXX and denied again on XX/XX/XXXX. I spoke with a representative of the institution for a reconsideration once again in which it was reopened XXXX XXXX. I have done everything in power to resolve this matter with my banking institution but yet my fraud claim continues to be denied and mishandled. Ive sent the banking institution the DR # from the police report, my Drivers License, as well as a rebuttal letter, along with other photos of myself and evidence. My investigative jurisdiction as a citizen only goes so far which is why I am reaching out. This matter has created a great deal of stress for me and has put me in a hardship. Please consider this matter in good faith and provide a solution if possible. I would greatly appreciate it.
Product: Mortgage

I filed a complaint a weeks ago and bank of America 's attorney responsed with a complete packet of everything that has happened with my loan but the problem is its all lies.I have tried from the beginning to WORK withBoA to resolve my problem.They are the ones who always block an opportunity for me to keep my home.This home means everything to me since my late father was the one who did all the work on it and it always makes me smile I still see him on the ladder or painting. 
I first call XXXX XXXX and they contacted BoA and they told me I would be getting a packet and my payment would be XXXX, problem packet never came.Went to XXXX, My housing counselor XXXX XXXX called Bank of America once again I was told my packet would come in the mail in 2 weeks, problem never came. 
My house was onb sheriffi 's sale XX/XX/2010, I got an inhouse mod that was almost XXXX. more, signed the paperwork and send my first check only problem they said they got the check but no paperwork.I am trying to show their tactics in dealing with me.I am sick to my stomach at the thought of losing my home but I ca n't believe that this nightmare has been going on for almost 7 years.Please I am enclosing some documents which show they are liars and have been doing this to me with only one intention to throw me out of my home.
Product: Credit card or prepaid card

on XX/XX/XXXX, I made a purchase for {$280.00} to XXXX online. I found out that this company was a scam when I did not receive items that I had paid to delivered in 2 days, unable to contact the merchant and no merchandise received. I started a dispute with Card.com on XX/XX/XXXX. I called Card.com on XX/XX/XXXX and was told that they found no error, and closed the case not in my favor. I asked for proof of investigation into the merchant, as I could not reach the merchant. The phone number and email addresses on the website are not valid. Were they able to reach the merchant? Were they able to obtain any sort of tracking for my merchandise? I do not feel they investigated into my claim because they would have acknowledged that I was a victim of a scam.
Product: Debt collection

I sent a letter to CREDITORS DISCOUNT & A letting them know I had been a victim of identity theft years before the accounts had even showed on my credit report and I provided my supporting documents and police reports made about the identity theft and CREDITORS DISCOUNT & A refuses to delete the fraudulent accounts from my credit report stating in a letter its verified CREDITORS DISCOUNT & A provided no physical evidence to why they wo n't remove it, according to the FDCPA and FCRA they have violated the law and I am well within my legal parameters to file a civil suit along with defamation of character against them. If they do not delete these accounts that are not mine that resulted from identity theft I will exercise my legal rights and file a civil suit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Bank, XXXX, and Transunion continue to report XXXX XXXX Acct # XXXX XXXX XXXX account # - XXXX XXXX XXXXAcct # XXXX as DEROGATORY AND In COLLECTION/CHARGEOFF status when these accounts have been settled AND PAID. The account status and payment status should reflect PAID AS AGREED AND PAID AND CLOSED. I have disputed this issue with the CFPB and still have not received any help. XXXX Bank continues to violate the law and violate my consumer right to have the accounts reported correctly. I have attached yet again a current copy of the credit report directly from XXXX and Transunion which shows they are incorrectly reporting these two accounts as derogatory when they should reflect current and paid. I am now forced to hire a consumer attorney and sue the credit bureaus to fix this matter. XXXX Bank has FRAUDENTLY marked my account as being late in XXXX of 2023 when the accounts have been paid off over 2 years ago. XXXX Bank, XXXX and Transunion have ruined my credit by inserting inaccurate information
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that I had 1 to 2 late payments on accounts that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for these accounts, so I have included screenshots inside this complaint. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided, I am demanding these payments be updated to paid as agreed on time, as well as updated in the monthly account history, because I was never late. 

Thank you! Please see the screenshots attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2017 I received an alert from TransUnion that a collection had been added to my credit report. The collection medical account reporting is XXXX XXXX , XXXX with account number # XXXX for the balance of {$250.00}. The numbers are partial because this is how TransUnion has it shown on my consumer file. I contacted the original creditor and asked them about this bill, the billing department told me that this bill had been paid by my health insurance and, is showing a XXXX balance. The original creditor sent me the billing summary showing the explanation of benefits. I have tried disputing this with TransUnion with no success. I have included a copy of the paid billing summary, copy of social security card, utility bill and TransUnion credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have advised Experian on several occasions that the information being reported on my credit file is inaccurate and may be a result in an error and/or identity theft. The following address ( es ) do not belong to me XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. I have never paid the XXXX XXXX account late, I have never paid the XXXX XXXX   account late, I have never paid the XXXX account late. Experian has yet to prove how they received this inaccurate information, and have not corrected the information following my proof that the information is inaccurate. Please help me get this matte resolved.
Product: Credit card

Credit card was opened in my name. I did not not open the account with Macys
Product: Debt collection

My second complaint is for CommonWealth Financial, who has a medical collection on my credit report for {$110.00} at XXXX XXXX XXXX XXXX from XX/XX/XXXX. Ive had a primary  doctor since around XXXX of XXXX, theres no reason at all for me to go to the ER. I have no idea how or whos going to these places using my information. But the debt is not mine and should be remove from my reports, all 3 credit bureaus. Ive disputed this account with XXXX  which the company agreed to delete the inaccurate fraudulent unverifiable collection. Yet the company continues to report to XXXX  & XXXX  while knowing the debt is not mine.
Product: Debt collection

This company has been reporting on all 3 credit reports an account I'm unfamiliar with dating back to XXXX, they added a bogus address to my credit report from a different state I've never lived in I contacted the credit bureaus who said the address was added by the collection agengy and its fraud if I've never lived in a different state I've uploaded proof of address and license to all credit bureaus. They also changed ny DOB from XXXX to XXXX which was disputed by XXXX by providing proof of my license and passport. After disputing the illegal address this company is now changing the balance on this bogus account started to increase by {$1.00} now they increased this old account by {$5.00} which is destroying by XXXX score. I'm a XXXX XXXX who pays all my bills on time and have only lived in NY my whole life, I have never lived in NJ as this company has added this bogus address it is illegal for me to live out of state and be a XXXX XXXX. I see this company is involved with several class action lawsuits for similar occurances please help me and get this fraudulent collection agency from doing illegal credit reporting
Product: Mortgage

approximatley 3 yrs. ago my mortgage loan with Indymac was sold or transferred to ocwen debt collection-loan servicing company. it has been a consistant battle with them since then, regarding payments i send on time and then they will hold the payment till it 's considered late so they can collect late fees, then indicate they will foreclose on my home. i have documentation of the paper work they send re : this. i have documented all the phone calls of when, person 's name and id # & time of calls. i ask if it will be recorded. they say it is. i had to miss a payment in XXXX 2015. i called XXXX, told them it was just for XXXX, explained why, asked if it was ok and if there would be any penalties or issues of foreclosure. cust. service said a XXXX time XXXX month payment would not have any effect and my account was in good standing, and that it would be fine. so, i did not make XXXX payment. i made XXXX and XXXX 2015 payments on time and have been harrased by collections dept. @ ocwen, recieved paper work from them giving me options to short sell, give deed in lieu of and foreclosure. i call them about this and am told to disregard it because it is automatically sent by their system. then i am sent more paper work re : foreclosure issues. and they applied XXXX payment to XXXX and then they applied XXXX to XXXX. more foreclosure paper sent to me. i sent the funds required to them on XXXX XXXX and then XXXX XXXX 2015 to be caught up and they withheld paymenys till they were considered late again. this is my complaint.. i am very concerned they are sabotaging all the payments i send so they can foreclose on my house. indymac did this as well just before they gave my loan w/them to ocwen. i had to hire attourney 's to stop foreclosure then. please instruct me on how to get ocwen from doing what they are doing. Thank-you. Sincerely XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXXXXXX Balance : {$23000.00} ; US DEPT ED XXXX {$3400.00} ; US DEPT ED XXXX {$2500.00} ; US DEPT ED XXXX {$4100.00} ; US DEPT ED XXXX {$1600.00} ; US DEPT ED XXXX {$3300.00} XXXX US DEPT ED XXXX {$7600.00} XXXX US DEPT ED XXXX {$5400.00} ; US DEPT ED XXXX {$4100.00} ; US DEPT ED XXXX {$1400.00}.
Product: Mortgage

This account is incorrect, I paid my mortgage every month on time, I tried to work with the company to resolve any issues, I surrendered the mobile home and it was sold to the trailer park, they say I owe XXXX and I don't, I walked away free and clear
Product: Checking or savings account

I 'm filling a complaint against bank of America I had some temporary credits issued to my bank account because of a problem with my cell phone provider and they were not able to resolve my dispute and had to reverse the temporary credits on XXXX XXXX 2017 and I called them a week before asking them to give me an extension till the XX/XX/XXXX which is when I get paid I get paid every 2 weeks from my employer and I usually need this money to survive on again I asked them to extend things to the XX/XX/XXXX and then on Friday XX/XX/XXXX I went to go have some lunch and went to pay with my card since I had just got paid only to have it be declined I looked at my account online and saw that money was taken out by bank of America for the temporary credit reversal I called them and they told me that my extension had been denied so I asked them to return the money cause again I need that to survive on for 2 weeks until my next payday I was never notified of the denial they lead me to believe that it went through I want bank of America to return what they basically stole from me I make very little from my employer I want this agency to help me out and since I 'm from Massachusetts and yes which is represented by senator XXXX XXXX the founder of this agency I figured they can help me out