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

Dear XXXX, I am writing to express my concern regarding the reinsertion of a previously deleted XXXX XXXX XXXXXXXX XXXX XXXX account on my credit report. This account was earlier identified as fraudulent due to identity theft and was accordingly removed from my file. However, I have recently noticed that it has been reinserted without my knowledge or consent.

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), if a consumer reporting agency reinserts previously deleted information into a consumer 's file, it is required to notify the consumer of the reinsertion in writing within five business days.

Additionally, the information may not be reinserted unless the furnisher certifies that the information is complete and accurate. I did not receive any such notification, nor am I aware of any certification of accuracy provided for this account. 

I request that you : Immediately remove the reinserted fraudulent account from my credit report. 

Provide an explanation for the reinsertion of this account without the required notification and certification. 

Ensure compliance with FCRA procedures to prevent unauthorized reinsertions in the future. 

I have enclosed copies of my previous correspondence, the FTC Identity Theft Report, and the police report related to this matter for your reference. Please investigate this issue promptly and confirm in writing that the fraudulent account has been removed from my credit report. 

Thank you for your immediate attention to this serious matter. I look forward to your prompt response. 

Sincerely, XXXX
Product: Checking or savings account

I received an email from chime banking stating that my account would be closed on XXXX XXXX that am gon na get a cashier check with the refund on 30 days well its been 30 days and I haven't received anything I called and they keep on telling me am not available for a refund of {$4900.00}
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law. Details of the account involve are as follows : Personal Information Name : XXXX XXXX Also Known As : XXXX XXXX Former : XXXX XXXX Employers : XXXX XXXX Collection/Charge Off 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I recevied a call from Credence Resource Management regarding an XXXX XXXX XXXX  account at an address that I've never lived at. They used my name and SSN to identify me, which is how the account was attributed to me. All the other information belonged to someone else, probably whoever opened the account as me.
Product: Credit reporting or other personal consumer reports

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. 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXX XXXX ( Original Creditor : AT T ) XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have had issues with my consumer report over the last year in regards to identity theft. I placed credit freezes and fraud alerts on my consumer report. I removed these alerts a freezes a month ago. Yesterday On XX/XX/year> I received email notifications stating someone accessed my credit file. I then looked at my equifax report and saw 3 new inquires that I did not authorize. It appears someone attempted to get a car loan on XX/XX/year> using my information and person or individual who uses my information without my authorization is guilty of identity theft. The companies in which the inquires stemmed from are XXXX XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I demand these inquires be removed because they are fraud related. I did not authorize these inquires to be added to my consumer report nor did apply for any car loans or receive goods or services from the companies which the inquires originated from nor did I apply to receive goods or services from these companies. Due to the fact this was not me I demand these inquires be removed immediately thankyou
Product: Credit card or prepaid card

I have been with Capital One credit card company for almost 9 years. In the last 5 years, that's as far as my credit reports hows ( up until last month I have never been 30 days past due ). I have undergone health issues and my cards balance got high but I didn't miss a payment until XXXX and when I did my minimum due became over {$250.00}. My interest rate is well over 21 % and I begged them to help me because even if I made a payment it would only be going to interest. They refused. They reported me 30 days late. Then in XXXX my minimum due was {$500.00} & same thing they refused to help me with any relief. No matter what I sent them it would only be going to interest so they marked me 60 days late. I refuse to pay just interest and be marked late. I'm not late on any other of my cards they are killing my credit.
Product: Payday loan, title loan, or personal loan

This company has harassed me from day one. I have asked them repeatedly not to contact me at me place of employment l, and they continue to do so on almost a daily basis. They are putting my job at risk. I explained that the number was listed on my loan app only for verification purposes. They are a nuisance. I need for this issue to be corrected.
Product: Student loan

I have been making payment, but my loan keep increasing. So, on XX/XX/XXXX I went to the Navient website to review my private loan history to find out why my loan keep increasing, I only had a {$17000.00} loan. When I opened my account, I started from the year I took the loan. When I look down on XX/XX/XXXX which was the date I took the loan, I saw a {$48000.00} unpaid Principal added to my principal ( {$17000.00} ). I called Navient on XX/XX/XXXX and spoke to XXXX ( ID # XXXX ), I explained the reason why Am calling. I told XXXX to a look at my loan history and focused on XX/XX/XXXX. I asked her to explain to me why there's a {$48000.00} unpaid principal added into my {$17000.00} loan principal, she replied I don't know. She requested to send my complaint to the complaint department, I ask to speak to the department. She informed me that I can not speak to them because they do not take calls, so I agree to send my complaint to them. on XX/XX/XXXX I called Navient to check the status of the complaint, I spoke to XXXX ( ID # XXXX ). I informed XXXX the reason why am calling, He pulled up my account and informed me that he can not find my complaint and can not see what I'm talking about. He put me on hold for about XXXX minutes. when XXXX came back, he informed me about a letter that send out to me. I asked him what in the letter, XXXX informed me that the letter stating that the information 's in my account on the Navient website are not accurate. I ask him what he means by that. He repeated it again, the information 's in my account on the Navient website are not accurate. I ask him if all my payment showing on the Navient website are accurate. He didn't answer me. I ask XXXX where the {$48000.00} came from, Again XXXX repeat the same information from the letter that the information 's in my account on the Navient website are not accurate. I ask XXXX to resubmit my complaint because I want to find out Where the {$48000.00} came from. XXXX informed me that he will resubmit the complaint. After a week speaking to XXXX, I receive the letter. When I review the letter, it seems like someone manually pushing some numbers to make information looks good. After about two weeks I called Navient again, no one seems to know what I'm talking about. No one can find my complaint and no record about the {$48000.00}. They keep telling me that the information 's in my account on the Navient website are not accurate. I went back to Navient website, I see everything has been changed with no explanation about the {$48000.00} and my balance still the same. Please I need help and any law advise. I attach all documents with the loan information, the letter and the correction they made. The first document is with {$48000.00}, second is the letter and last is the correction they claim that they made.
Product: Credit card

I called Citibank Friday XX/XX/XXXX about XXXX, I wanted to know whyy minimum monthly payment jumped to XXXX $ from usual amount of XXXX I also tried calling earlier in the week and could not get help because I didn't know what my security word was, they would not accept it, this time I was able to create a new security verification word, but the woman lied and said I was charged an extra XXXX $ and change because I failed to make a minimum payment of XXXX XXXX I had logged in my laptop while I spoke to her and while I asked her to help find and view my payment history, I found it myself and I saw that I paid more than the XXXX $ she claimed I did not pay. Then she hung up on me when I said I could see that I paid XXXX $ and that's a lie! She chose to hang up! Dishonesty and robbery.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX of XXXX I was involved in a eviction with my apartment complex due to nonpayment of rent. I was order to pay the apartment complex {$2300.00}. At that time I was under the XXXX XXXX XXXX XXXX for HUD VASH, and was referred eviction/ rental assistance to pay off amount. The veteran agency issued the apartment complex XXXX XXXX a check on XX/XX/XXXX and the paid/ cleared date of the check was on XX/XX/XXXX in the amount of {$2600.00}. XXXX XXXX sent account to the collection agency XXXX XXXX XXXX XX/XX/XXXX for the amount of {$2300.00}. I tried to contact XXXX XXXX  XXXX XX/XX/XXXX and XXXX XXXX in which i sent documentation of proof of payment. and they decline to delete due to paying prior to going into collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

Westlake financial services repod my vehicle after all of my bills were paid. Even their records show that I have made my payments. My lawyer told me to contact yall and make a complaint for credit report to be fixed. All they did was fix my credit partially. My score only came back up to half of what it was before their mistake.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account name : XXXX XXXX Account Number:XXXX Account name : XXXX XXXXXXXX Account Number:XXXX Account name : XXXX Account Number:XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have mailed certified mail letters to Trans Union on six ( 6 ) occasions, however, they continue reporting an address which does not belong to me. I am very concerned that my identity has been stolen and the thief placed an address that does not belong to me. The address being reported is " XXXX XXXX XXXX # XXXX, XXXX, NY XXXX ''. I do not and have not ever resided at this address.
Product: Mortgage

Nationstar Mortgage company is the company that serviced our Mortgage since XXXX with an original loan amount of XXXX. This company used gross manipulation tactics, to get us to refinance and now are falling back on what was promised with regards to removal of the PMI from our loan. Calling, sending mailers and emailing again and again until we finally agreed to refinance in XXXX XXXX and at that time we were advised that we would receive a lower interest rate and could change the terms to payoff in 15 years so it was highly beneficial to complete the refinance. When going through the process we also discussed PMI and were advised that once the PMI dropped below 80 % of the original loan amount of XXXX we would no longer be responsible to pay that amount any longer and it would be removed from our payment amount. So we reached out to Nationstar as we are currently at XXXX and the 80 % valuation would be XXXX and we wanted to ensure that it would just auto remove. When contacting their Customer Service and PMI support we now are being advised that the amount is based on the Refinanced amount and that the new percent is 75 % of the loan amount at time of refinance for the PMI to be removed, which was in no way communicated to us. We would have not refinanced at all if there were any changes to the PMI as we were working hard to pay the balance down so that amount could come back to us and not continue to be removed. The representative said that this is because of XXXX and that the amounts are different now. This is wrong and we need help in getting resolution to this matter and ensuring that Nationstar can not continue to take advantage of customers this way. This is a lie and gross manipulation tactics and we need your help to resolve.
Product: Debt collection

I was contacted by United Collections Bureau about a credit card debt. They did not notify me of my right to dispute. I paid the full amount they stated I owed and they have not sent me written acknowledgement that my debt has been cleared, after they stated they would.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX had sold my debt from account ending in XXXX to the debt collector " XXXX XXXX XXXX  '' at some point after my account had closed for non-payment. Finally being in the position to be able to pay my debts back and work on my credit, I negotiated a settlement with XXXX for {$270.00}. I paid this on XX/XX/21. I had called every single day to get some sort of email confirmation of this, and every day they had told me that it would be sent within 24 hours to my email address. I then finally received this " receipt of payment '' on XX/XX/21 after having called three times. In every conversation I have had with them on the phone it was made clear this debt was settled. I then disputed this debt with the tool on XXXX XXXX, which I believe is linked to Transunion. It then said it resolved my dispute, but that 83 % of the balance limit on the account was still unpaid. Thus it said it's investigation concluded that despite paying {$270.00} to settle, I had only made a partial payment and still had an unpaid balance of {$410.00} on my closed account. I disputed this a second time to no avail. If they could obtain the information of the amount I had paid, then the information that it had been settled could have also been obtained if it had been reported honestly as to the settlement agreement made. This is not a unique situation with debt collectors and I believe I am victim to deceptive practices regarding obtaining payments.
Product: Debt collection

The first call was a woman that Claimed to be a process server for XXXX XXXX XX/XX/2020. Phone number she called from XXXX. She claimed to have papers for me and I needed to contact her right away. After that first call Ive gotten several calls ( 4 to 5 times daily ) from a man named XXXX XXXX. Said he worked for a law firm. Phone numbers ; he calls from an anonymous phone number, one right after another before he will leave a message. Then he will call from these other numbers XXXX, XXXX ext XXXX, XXXX. These harassments are daily. He wants me to pay him for a US Bank debt of {$3100.00} by a docu-sign email he sent me during the first conversation I had with him. The pressure from him, the degrading threats have caused me into serious XXXX. He told me I was served in XXXX and my case number was XXXX  XXXX. He then told me my court date was XX/XX/XXXX at XXXX. But I should pay him now with the XXXX and I wouldnt have to go to court. I was never served any documents from the court. I gave him my credit card number and I have since shut that card down. After I got off the phone I was shaking. He said things degrading me and that I should of been paying my bills. After I got to thinking about my debt I realized that I only had a checking/saving account with US Bank so I called them with all the information he gave me to see if I owed them anything. I didnt have any debt with them. I called the court house and spoke with XXXX to see if I was served and if I was supposed to be in court on XX/XX/XXXX at XXXX and gave her all the information. She said NO and those numbers are false because their document have letters in their case numbers and they dont do civil cases on a Wednesday. He keeps threatening me with filling papers with the court if I dont pay him and legal action will be taken. My husband told him to serve me properly and we will discuss this all in court and to stop calling. But still he continues over and over. I called the State Bar to see if this XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX was even a law firm. Its not. The XXXX XXXX told me to call the district attorney office inXX/XX/XXXX to see what they could do and so far because of my work schedule I missed her phone call but desperately want to speak with someone there. Yesterday, XX/XX/2020 he threatened to call my work and harass me there. I had to speak to my boss and let her know what is happening and its humiliating. Im tired, with constant anxiety and fear this man is going to come to my home or work. If this was legit I would face it but its not.
Product: Mortgage

Shellpoint mortgage servicing filed a NOD on our home after receiving good funds in the amount of {$39000.00} and mailed our check back to us dated XX/XX/2019. 4 days later they filed a notice of default on our home. My wife and I were charged 28,000 apox. in fees which we paid them. We saved our home and paid them off in full. I was doing the math and we paid numerous fees and impounds which we did not receive back. I was told today per a rep that no money will be coming back to us. The reason why our loan went late is that I was diagnosed with XXXX and was quite ill at the end of last year. I tried everything to correct the problem with shellpoint and they were no help, just wanted out home since we have so much equity. I am attaching the check and letter from shellpoint. This is straight predatory lending under the definition set-fore from our government. I'm sure they do this with any that has medical or other financial problems that arise.
Product: Vehicle loan or lease

The Bureaus did not properly investigate my account with ALLY FINCL XXXX because incorrect information is reported on this account. A lot of errors in terms of the remarks. The payment history is incomplete, too. No 120 days record was found prior to getting the account to be a charge-off. Moreover, the account has an exact balance which is totally wrong if the account is in fact to be a charge-off. The entire remarks for this account do not concur with each of the information.
Product: Mortgage

XX/XX/XXXX my insurance Homeowners insurance expired the company auto renew on XX/XX/XXXX, at XXXXXXXX XXXX. According to Wells Fargo they said i let my insurance lap! But it did not it auto renewed. From that day forward I have been emailing wells Fargo to not escrow my insurance. They continue to do it! I pay my own homeowners ' insurance. I don't need them to escrow my insurance. This is a XX/XX/XXXX loan They are escrowing on the 20 % part of the lone the 80 % part of the loan is with another mortgage company who also escrow homeowners ' insurance. Finally, the other mortgage XXXX XXXX XXXX services. stopped escrowing my account at my request. Which Wells Fargo fail to do. This is unheard of especially on this small loan amount. I have written many letters and calls to Wells Fargo no avail its failing on deaf ears. There was never a lap in my homeowners ' insurance. Several time they even put XXXX Lenders place insurance on my account before they started escrowing my account. my mortgage went from XXXX to over XXXX a month because Wells Fargo over escrow account and the amount they have me paying. I am making double payments, XXXX with Wells Fargo and XXXX insurance company which I have my policy through.
Product: Credit reporting

my identity was stolen. accounts were opened in my name and used. I have filed a dispute several times and provided a police report along with an affidavit to show my identity was stolen and Equifax still will not remove the negative info from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX XXXX : # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

This is my multiple endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$7100.00} ; XXXX XXXX XXXX XXXX Balance : {$4200.00} ; XXXX XXXX Inquiry : XXXXXXXX XXXX XXXX
Product: Debt collection

Received a call from XXXX and she never indicated that she was calling from a Collection agency. Ive been paying on this debt that I wasnt aware of and they proceeded to send the account to the Collection agency??? Why?