23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My mortgage company has not giving me account credit for payments made, they have filed against my credit for payments stating they were 30-60 days late, and they continue to change me late fees. I have not missed any payments and all payments have been made within 15 days of payment due dates. I made a payment for XXXX over the phone with their agent and they are now stating the payment was refunded however I have bank statements proving the payment went through which I have already sent them. They are stating the statement is not enough prove all while continuing to change me late fees and file against my credit. I have all bank statements and credit report to show proof of whats happening.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax on several occasions to have them remove the public records for Bankruptcy case # XXXX removed. I have contacted the Public Records company XXXX XXXX and they have removed any public records that are associated under my name and I have submitted all documents to the credit reporting agency. Equifax is refusing to remove the public records stating that they have investigated it previously and are refusing to remove it. I am in need of assistance.
Product: Debt collection

I have received multiple phone calls from different numbers almost daily several times a day. Sometimes back to back with messages being left saying that they have filed to have any and all of my bank accounts seized and do not ignore their phone calls. Call them back immediately as a decision must be made or else further legal action will be taken against me. Sometimes they call saying they are calling on behalf of XXXX XXXX but leave very long detailed messages on my voicemail which is not proper nor is it lawful. They call me from various numbers like ( XXXX ) XXXX and tell me to call back XXXX they also call from ( XXXX ) XXXX, ( XXXX ) XXXX. They have also blocked their number on several occasions as well and left the same detailed message on my voicemail as well. They never say where they are calling from and just immediately begin to go into full detail about what ; s going to happen to me if I don't call them back. I have blocked several numbers but they will either call from a different number or block the number and call. They also call me all day long on Saturday Sunday from XXXX to almost XXXX XXXX XXXX XXXX. It is very frustrating and I know my rights. I wants this calls to stop immediately
Product: Debt collection

I am a victim of identity. Someone has obtained my personal information and created fraudulent accounts. I did not know how my personal information was obtained or who obtained it. I did not give permission for anyone to use my personal information and I did not receive any services or goods from these accounts. I filed an Identity Theft police report and also reported this to the Federal Trade Commission ID Theft Affidavit. I have sent the company notification I am a victim of ID Theft have sent them my ID Theft affidavit, statement and ID Theft police report. Desgn Rec still is knowingly reporting the fraudulent accounts on my credit report after they are aware I am a victim of ID Theft. These are not my accounts, they are a result of ID Theft and I need all attempts of collecting these fraud accounts
Product: Money transfer, virtual currency, or money service

On XX/XX/20, someone using my bank debit card number took cash out on an app called " Cash App '' via a mobile device. I do not have the app and did not authorize the transaction. I was notified by my bank ( XXXX XXXX XXXX XXXX ) early on XXXX about this. The person or persons made several transactions on that app. 

!. Cash app {$190.00} 2. Cash app {$100.00} Since I learned about this early in the morning, I called my bank and immediately and canceled my card. The transaction of {$100.00} did not get posted to my account. However, the one for {$190.00} did get posted. My husband and I spent 4 hours on phone calls trying to fix this on XXXX. And today, XXXX, I spent another hour. It was impossible to get through to someone on the phone. We tried 5 different phone numbers and nothing worked. And there was no way to email or do a live chat if we didn't have an account or code number. We then found another phone number and someone was on the phone with us for 45 minutes trying to help us. Unfortunately, we realized later that the person on the phone was not an employee of cash app and we were scammed again. I have the phone numbers that we called and more details if they are needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax, and XXXX are not taking my claims seriously. They are not providing any evidence of how they made their decision. If you ask them to show you how they verified the negative information on my file they will not have an acceptable answer. All I ask is that they conduct a fair investigation but they are not.
Product: Money transfer, virtual currency, or money service

I was scammed on XXXX. Seller posted a bundle of video games that I wanted to purchase. After agreeing to pay to have them shipped I paid the seller. Shortly after sending the payment I did a XXXX image search and found the same pictures were actually from an XXXX listing from XXXX. Tried to contact the seller with no response. My bank says they can't do anything since I approved the transaction.
Product: Checking or savings account

Been a customer for many years and caus of a check I thought was real they not only denied they charged me a fee and then had the audacity to flag me as a scammer or check bouncer which I have never even owned a check book for that company! Bank has horrible customer service and aren't customer friendly in store or on phone would never recommend them to anyone!
Product: Debt collection

I notice this collection on my credit report. I've never received any notices in the mail nor by phone call. I't does not state for what service or company it's collecting payment from.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX XXXX, am a victim of identity theft and attached below is my XXXX XXXX XXXX XXXX I fully authorize this notice and compliance. I have also mailed all respective XXXX my identity theft affidavit. I have never authorized or gave XXXX written consent to any XXXX XXXX  affiliate XXXX to furnish my data with the following companies, please be aware, no consent, is identity theft : US Dept. of EducationXXXX XXXX
Product: Credit reporting or other personal consumer reports

I am formally contesting any inaccurate or undocumented information found in my credit report. This includes unverified claims, which I challenge under the FCRA and the accepted STANDARD of metro 2 data field reporting. The alleged delinquency and inquiries lack factual proof, and it is inappropriate to report claims known or should be known to be unlawful. 
I hereby notify you to ensure the accuracy of all your claims, as mandated by the Metro 2 reporting standard. 

Listed below are the Accounts that are being challenged XXXX  XXXX XXXX Late Payment {$0.00} XXXX XXXX Late Payment {$0.00} XXXX XXXX XXXXXXXX Late Payment {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Collection {$0.00} XXXX XXXX XXXX XXXX Collection {$410.00} XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Collection {$410.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Collection {$800.00} XXXX XXXX Collection {$800.00} XXXX XXXX XXXX XXXXXXXX Collection {$320.00} XXXX XXXX XXXX Collection {$110.00} XXXX XXXXXXXX Collection {$180.00} XXXX XXXX XXXX Charge-off {$780.00} XXXX XXXXXXXX XXXX {$270.00} XXXX XXXXXXXX Charge-off {$0.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX Charge-off {$710.00} XXXX XXXXXXXX XXXX {$140.00} XXXX  XXXX Charge-off {$110.00} XXXX XXXXXXXX Charge-off {$0.00} Listed below are the Inquiries that are being challenged XXXXXXXX XXXX XXXX XXXX Inquiry {$0.00} XXXX | XX/XX/XXXXXXXX XXXX Inquiry {$0.00} XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX Inquiry {$0.00} XXXX | XX/XX/XXXXXXXX XXXX Inquiry {$0.00} XXXX XXXX XXXX XXXX Inquiry {$0.00} XXXX XXXX XXXX XXXX Inquiry {$0.00} XXXX XXXX XXXX XXXX Inquiry {$0.00} XXXX XXXX XXXX XXXX XXXX Inquiry {$0.00} XXXX XXXX | XX/XX/XXXX XXXX Inquiry {$0.00} XXXX  | XX/XX/XXXX XXXX Inquiry {$0.00} XXXX XXXX XXXX XXXX XXXX Inquiry {$0.00} XXXX XXXX XXXX XXXX XXXX Inquiry {$0.00} XXXX | XX/XX/XXXXXXXX XXXX Inquiry {$0.00} XXXX XXXX XXXX XXXX Inquiry {$0.00} XXXX | XX/XX/XXXX XXXX Inquiry {$0.00} XXXX XXXX XXXXXX/XX/XXXX XXXX Inquiry {$0.00} XXXX XXXX XXXXXX/XX/XXXX XXXX Inquiry {$0.00} XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX Inquiry {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXquiry {$0.00} XXXX XXXX XXXX XXXX Inquiry {$0.00}
Product: Checking or savings account

My debit card was compromised they closed the car that down issued me a new one there's a {$150.00} charge go through my account from jail for a XXXX XXXX I do not know this man I disputed this on XX/XX/XXXX they told me after 10 days if they had not resolved his they would have to make a provisional credit the provisional credit should have been s*** been issued by XXXX  on XX/XX/XXXX it did not happen I called the bank repeatedly daily I have emailed I have done everything I can do I got my water Disconnected by giving my money away I had blood poisoning can't even wash the leg off the count the bank but this money go now they're refusing to cover me and her FDIC guidelines they assured me I would have a provisional credit on XX/XX/XXXX by XXXX XXXX  this is now the XXXX of XXXX at XXXX XXXX I still don't have this credit but I hear now is we have a resolution by XX/XX/XXXX I can't go without water for three months please as it's nice to give me the provisional credit ASAP for I can withdraw with and pay my water bill and get my water back on I beg of you please help me my name is XXXX XXXX address to XXXX XXXX XXXX XXXX Virginia XXXX my date of birth is XXXX XXXX last four of my social is XXXX Flash Forward the card and now have is XXXX you can publish is the please remove my personal information as I am a victim of identity says right now
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is in violation of. 15 usc 1681 section 602 A, states i have the right to privacy.604 A section 2 also states a consumer reporting agency ( XXXX  ) can not furnish a consumer/credit report without my written instructions.I gave no such instructions to experian to furnish my information to XXXX XXXX which appears on my credit report.Would like ths account deleted from account which is also in violation of 15 usc 1692 c and b.there was no prior consent to furnish my information to no one!!! also submitted dispute on XXXX 0n XXXX website and system is saying already in dispute.not me!!!!!
Product: Credit reporting or other personal consumer reports

I keep receiving information as well as calls from XXXX. I have been denied credit from XXXX. I received e-mail saying I successfully update my phone number, which I did not. I believe someone else has applied for this and is using my information FALSELY.
Product: Mortgage

We refinanced our home thru XXXX and closed on this refi on the XXXX of XXXX. Our original lender Lakeview Loan Servicing refused the payoff from XXXX citing that Lakeview sent out our property tax payment to XXXX XXXX. I was not notified of any of this until the XXXX of XXXX, when Lakeview called me to tell me I was past due on my mortgage by 15 days. I called the title company, who then informed me that Lakeview had refused the payment due to it being sort XXXX dollars due to the escrow payment. The title company had sent out the property tax payment as well, and the county cashed that check, and returned the check to Lakeview. They are refusing to acknowledge this happened, even though the county verified that they did not cask the check from Lakeview. So they have been unwilling to do anything besides charge me a late fee and demand I continue to make payments to them. XXXX sent a check as a paydown, so that I didn't owe a late payment to Lakeview, in order to get all of this settled, but Lakeview has refused the paydown of XXXX ( the original payoff quote they gave the title company ). I do not know what to do, as I have a balance of XXXX owed to both Lakeview and now XXXX. XXXX has been trying to fix it but Lakeview keep refusing.
Product: Credit card

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

This fraudulent, inaccurate, and false information consists of a personal credit card account opened at Suncoast Schools Federal Credit Union on XX/XX/year> under the account number XXXX, with a balance of {$650.00} that appears related to the aforementioned Credit Card account opened at Suncoast Federal Credit Union . These accounts have resulted in several fraudulent hard Inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections are the result of identity theft and fraud.

What would be a fair resolution to this issue?

I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the XXXX credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint.I request that all written confirmation regarding this CFPB complaint be sent to me via email to XXXX XXXX
Product: Credit reporting

There is a Circuit Court claim on my report and I have never even lived in the county that it is from or have never had papers served in that county. I requested a disputed and it come back with no changes. I need this corrected, because this is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX Acct # XXXX {$490.00}. 
XXXX Acct # XXXX {$480.00}. 
XXXX XXXX Acct # XXXX {$670.00}. 
XXXX Acct XXXX XXXX {$1100.00} XXXX Acct # XXXX {$0.00} XXXX XXXX XXXX Acct # XXXX {$0.00} XXXX XXXX Acct # XXXX {$770.00}. 

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

15 U.S.C. 1681 section 604A. Section 2 : States a consumer reporting agency can not furnish an 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 7 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 the information is inaccurate.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Balance : - XXXX & XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$160.00} XXXX XXXX XXXXXXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$460.00} XXXX  XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$9100.00} XXXX XXXX XXXX XXXXXX/XX/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: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of XXXX XXXX Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a XXXX XXXX Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Product: Debt collection

I have an original debt from XXXX XXXX. It has been sold to two different debt collectors that have both reported the debt to my credit report from XXXX XXXX for the same amount resulting in duplicate reporting. The first collector is listed as XXXX. The amount is XXXX. This account is listed as opened in XX/XX/XXXX. They last reported on XX/XX/XXXX. The 2nd collector is listed as IC Systems. The amount is listed is XXXX. Listed as opened XX/XX/XXXX. They last reported on XX/XX/XXXX. Both are listing ownership of the same debt and reporting it to my credit report. I would like to have the debt collector who no longer owns the account removed. I'm trying to delete multiple collection agencies reporting the same debt.
Product: Checking or savings account

I am trying to buy a business. i needed to get loans from legit companies and they deposited them ACH into my account. i also borrow money from my dad and he wrote me check ( i have copies that he sent me of the cleared checks ) my bank has frozen MY ENTIRE ACCOUNT. my college daughter is away with no way to purchase ANYTHING. because i am on her account. my son is sick and i cant buy him medicine. ( they have frozen all activity in checks and credit cards ) their solution was to " call a friend '' to get my son medicine. dates of deposits are XX/XX/XXXX ( XXXX ) XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ( XXXX ) XX/XX/XXXX ( my dads check ) on XX/XX/XXXX they let me send a wire to the escrow attorney to close on the business on XXXX ( contract signed ) and they cancelled and closed my account on XXXX. i am now in breech on contract, with a kid in college with no access to any money, and a sick kid who i cant get meds for ( not to mention anything else ) because they have frozen ALL MY FUNDS- my paychecks, the money i had in there. everything not just the " suspicious '' deposits.
Product: Credit reporting, credit repair services, or other personal consumer reports

required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX Balance : {$7200.00} XXXX XXXX XXXX Balance : {$7500.00} ; XXXX XXXX XXXX Balance : {$25000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$210.00} ; XXXX XXXX XX/XX/XXXX.
Product: Mortgage

In XXXX, I paid {$250.00} to have my house revalued to eliminate XXXX  payments. Wells Fargo accepted the payment and sent out a representative to value the home, the value did not come back sufficient as it was a basic evaluation tool used. I then offered to pay a higher fee to have an XXXX out to have a more complete value determined. At this point, Wells Fargo refused to accept my higher payment because now they stated that I did not qualify. I then asked to have my {$250.00} credited back since from there communication, was not eligible as well. they refused to credit me back the {$250.00} and ultimately I had to refinance my first mortgage to be able to eliminate XXXX. I feel that all money paid to WF to have my home reassessed should be credited back.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I made an international transfer of US {$8200.00} to Capital One Bank, XXXX Texas in favor of : XXXX XXXX XXXX. 

This transfer is made through my bank : XXXXXXXX XXXX XXXX XXXX, XXXX ( XXXX ) to Capital One Bank ( XXXX Texas ). While the beneficiary confirmed receipt of the cash, for reasons I do not know he indicated to me that he did not have access to his bank account so I filed a return claim with my local bank in XX/XX/XXXX. XXXX XX/XX/XXXX I continue to follow up on the return with my Bank and only tell me that Capital One Bank has not made a refund for them. I request your support to make my return of the funds as soon as possible as almost 10 months have elapsed and I have not obtained them.
Product: Credit reporting or other personal consumer reports

My recent credit report is showing unverified, and unauthorized inquiries as well as collections that I never had a chance to dispute. The inquiry is from XXXX XXXX, the collections are from XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. By law I am owed proper credit reporting according to the FCRA. I am requesting debt validation for the collections because I never received written communication. In this debt validation I am asking for detailed list of my history of payments on these accounts, the original contract with my signature agreeing to pay these creditors, proof that you have a chain of title to collect on this debt, also asking to see if there had been insurance claims filed on these accounts. With out providing proof these accounts should be removed from XXXX, XXXX, and Transunion immediately.
Product: Student loan

Went to XXXX XXXX College now XXXX university issued student loans with XXXX XXXX XXXX it had been discussed that some one from XXXX  XXXX XXXX employee gave them to an acquaintance of mine and they sold them to XXXX XXXX financial aid administrator XXXX XXXX guarantor said they weren't subsidizing the loans with the Department of education and XXXX said they never got a government guarantee. In 1990 I filed bankruptcy so at that time there was an issue if the student loans were federal debt or unsecured. I still owed according to XXXX XXXX. XXXX XXXX loans are being serviced by Navient. Reached out to their customer service it had been discussed those loans were private. I asked them for appropriate disclosure to this and they have not sent. On the promissory notes there is no address from the lender just a signature.