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

I have a loan with Frost Bank, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, Frost Bank, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX with no successful resolution. There was definitely an error on their part.
Product: Debt collection

I keep getting fake debt collection agency calls from phone numbers that do not ring to businesses. These numbers have been reported by many people as scam artists harrassing them for debts never incurrec. XXXX and XXXX are XXXX of them calling. This just started after I dropped XXXX of my XXXX XXXX XXXX XXXX services, which I pay every month. There is no adverse report on my credit report. I am not past due on anything. Stop these scam artists.
Product: Credit card

I was called by Discover card on XXXX that I had an overdue account for over {$800.00}, and payment was due. I learned that an account had been opened in my name using my SSN, DOB, former home address ( XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX ), XXXX XXXX. I notified the XXXX County Sheriff 's office, my case number : XXXX. I received and completed an " Affidavit of Identify Theft Report '' with Discover card. I notified XXXX and XXXX. Upon a review of my credit report ; I discovered an address of which I have never lived : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. I filed a correction with XXXX. Discover card reported that " I '' had notified them of this address change after the account was opened and there were charges. 
1 ) In their itemized charges there was a " phone payment '' made on this account dated XXXX/XXXX/XXXX {$11000.00} ; I can not provide any evidence that any payment was made by any account of mine at that time. 
2 ) There is also a listing of over XXXX charges ( XXXX/XXXX/XXXX - XXXX/XXXX/XXXX ), all but XXXX with the following transaction description " XXXX XXXX XXXX ''. Charges range from {$3.00} - {$79.00}. 
3 ) Last evening, I received a letter from Discover card that there is insufficient evidence of identity theft, and that a new account has been opened in my name and I am responsible for all charges.
Product: Student loan

In XX/XX/XXXX, I was having difficulty making my student loan payment to Navient. Subsequently I used 3 years of forbearance time. Rather than being advised on a payment through an Income Based Repayment plan, I used all my forbearance time towards the beginning of paying off my student loans. So, in XX/XX/XXXX, a total of {$18000.00} of capitalized interest was added to the total of my loan. At that time, I re-entered an Income based payment plan which I have been paying from XX/XX/XXXX until now. I have missed a few months payments, but am doing the best I can to make all payments timely. Unfortunately due to the excessive forbearance time I used and subsequent capitalized interest, the payments I am making are not even covering the interest that is accruing. Therefore, the total balance of my loan is growing despite all the payments I am making. I believe if I was properly informed at any time during the 3 years of forbearance, I would not be in this situation. Now, if there is an imminent need to use forbearance time during a short-term financial struggle, I would not even have that available.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my eighth 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, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX Balance : {$250.00} XXXX XXXX XXXXXXXX XXXX Balance : {$320.00} XXXX XXXX XXXX XXXX Balance : {$390.00} XXXX XXXX XXXX Balance : {$950.00} XXXX Inquired on XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I have always paid my accounts on time and have never been late. It is ridiculous to see that there are inaccuracies in my account information. Please update my account accordingly.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX Balance XXXX : {$9700.00} XXXX XXXX  XXXX Original Creditor : XXXX XXXX XXXX Balance Owed : {$1100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo account is on credit the address is in California I am in Pennsylvania. I have never opened or used this account. My social is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pa XXXX.
Product: Debt collection

Under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I may presume that no proof of the alleged debt, nor therefore any debt, in face exists. I have contacted LVNV FUNDING on a matter that pertains to my credit. I have been a victim of fraud. I sent LVNV FUNDING a certified letter via usps to validate this account asking to send original documents and a host of other things. I have not received any of the documents I requested. I have an account on my credit that does not belong to me. I asked to remove 2 LVNV FUNDING ACCOUNTS that are unvalidated information and nothing was done. I have the receipt that I sent the letter via usps certified. Removing this account from all three credit bureaus ( XXXX XXXX XXXX ) is what needs to take place there is no validation. I take pride in my credit and I have a XXXX score on my credit bureaus. This fraudulent account is ruining my credit to the extreme. A consumer can not provide signed documentation for an fraudulent account that they never authorized but I also asked for a signed documentation bearing my signature that I agreed to pay 2 LVNV FUNDING ACCOUNTS and the collection agencies could not provide that information. You purchased this debt from the original creditor. I am very aware how this process goes. You have no legal right in this matter. Send me the documents that I signed stating I owe 2 LVNV FUNDING ACCOUNTS. You can not because this is not my debt nor do I owe 2 LVNV FUNDING ACCOUNTS anything. I want this information removed IMMEDIATELY! DO NOT SEND COPIES! I NEED ORGINALS WITH MY SIGNATURE FROM LVNV FUNDING NOT WHOMEVER YOU BOUGHT THIS DEBT FROM THAT DOES NOT BELONG TO ME!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, and I hope all is well. While reviewing the credit profile to XXXX/XXXX/XXXX, the number of uncertain tradelines continues to be placed when the debt is unknown to the credit profile. XXXX XXXX hired a third-party collection Hillcrest Davidson Agency to report an item on the credit profile. The continued actions have violated the Federal Credit Reporting Act. This is a violation of the law with continued failed practices, which decreases my credit score and creditworthiness.
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXX XXXXXXXX sent me a check for XXXX to me and my deceased wife on XXXX XXXX, XXXX when I refinanced a mortgage loan with them. I returned the check to them with her death certificate and asked that they reissue the check in my name only. They stalled me through repeated efforts via letter and phone. Then they informed me that the check had been chased on XXXX XXXX, XXXX through a New York Bank. This is obviously check fraud, but I have no options other than I reported it to the police, but no settlement.
Product: Credit card or prepaid card

Capital One charges me annual fees on a closed credit card and in spite my efforts of having these fees waived since the account is closed they keep on charging me for it. Besides, just today they added a new late fee of {$40.00} to my account and refused to reimburse me. The APR is variable and has gone up five times in the past year.
Product: Credit reporting

Recently, I disputed item XXXX XXXX XXXX XXXX / XXXX on my report from Trans Union . This is an unsubstantiated account for the reason that XXXX XXXX has failed to provide details regarding their compliance with the law. This letter was dated XXXX XXXX, 2015 and received by XXXX XXXX on XXXX XXXX ( copy attached ). XXXX XXXX failed to provide evidence of their compliance of required proper notices and disclosures regarding the deficiency balance claimed. Trans Union was provided this information in my follow up dispute. Despite this, Trans Union continues to verify that the information is accurate. Attempting to figure out how Trans Union was able to do this, I made a request pursuant to FCRA Section 611 ( a ) ( 7 ) requesting that Trans Union describe their methodology in order to determine that XXXX XXXX has complied with the law. The letter to Trans Union was dated XXXX XXXX, 2015 and received by Trans Union on XXXX XXXX, 2015 ( copy attached ). On or about XXXX XXXX, 2015, Trans Union replied to my inquiry, yet completely failed to address the FCRA 611 per my request. I am requesting from Trans Union that they provide me details of their method of verification including the name and address of the organization or individual providing this information as well as evidence that my correspondence was reviewed by Trans Union and in fact forwarded to XXXX XXXX XXXX / XXXX.
Product: Debt collection

Was told I would be arrested and prosecuted for debt I am unaware of. They call everyday at a min of 10 to 15 times a day claiming they are XXXX or PRA but wont tell me what that means.
Product: Checking or savings account

I have not supplied proof under the doctrine of estopper by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. There is a fraudulent account on my consumer report that I am highly displeased with. As I was trying to get a home for my family I got denied through my banks due to damages on my consumer credit report. This is defamation of my character, and it's hindering my success. I take my livelihood very seriously, and I expected you all to as well. According to 15 U.S.C & 1681, you are supposed to promote fairness and accuracy on my credit report. But all I see are fraudulent and unauthorized accounts. I have been a part of an XXXX breach, so at this point, you all should be protecting my privacy. This is detrimental to my emotional and XXXX health. Now I do not have access to get a house. I am enforcing my rights, and I expect you to be more ethical with my information. According to 15 U.S. Code 5 16815-2, not one credit reporting agency should be reporting any inaccurate information anyways due to neglect use considering that I was in breach.
Product: Checking or savings account

Funds were transferred XXXX  times from XXXX XXXX account to XXXX Checking account XX/XX/2024 through XX/XX/2024 and paid XXXX unknown credit accounts totalling approximately {$21000.00}. Chase bank says these payments were made from a recognizable devise. This is false. The transactions were not made from my devices as I am the only one with access to these. Also there is a XXXX step verification on the accounts and I was never notified of a log in. Also when I asked for the information on the devise used and the name on the recipient accounts Chase said I have to get a XXXX or a computer expert. Please help me. I am XXXX XXXX XXXX and have given my son XXXX XXXX permision to talk to you as I am also hard of hearing on the phone. His cell number is XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Transunion is reporting several inaccurate accounts on my credit report. 
I have made multiple attempts to have my information corrected on my report along with requesting original contracts and wet signatures and that information has not been corrected The first account is XXXX auto loan ( attached ) the account reports as joint However, I have no ties to this account.This account is not mine and asked that it be removed from my credit report XXXX XXXX XXXX ( attached screen shot below ) being reported 30 days late as auto loan Under terms it states zero and in comments it states as a ballloon payment on others as a auto fixed rate. Date last active and date of last payment is inaccurate. 
I no longer have a contract with XXXX as the car was paid off in full XX/XX/2022 by XXXX. XXXX did not honor thier payout agreement with XXXX which does not automatically default to original contract terms, requested this account be removed immediately XXXX XXXX XXXX is reporting a open collection in the amount of XXXX. A collection can not be late and I have never had a contract with XXXX XXXX XXXX. Requested validation of this debt and XXXX has yet to provide ( see inaccurate reporting attached ) XXXX is reporting open derogatory account in the amount of XXXX. The last reported date is inaccurate and payment status is reporting charge off collection for which an account can not be opened and charged off. I requested validation of this debt with wet signature and company failed to provide. Requesting this account be removed. 
XXXX is reporting open derogatory account in the amount of XXXX. The last reported date is inaccurate and payment status is reporting charge off collection for which an account can not be opened and charged off. I requested validation of this debt with wet signature and company failed to provide. Requesting this account be removed. 

XXXX XXXX is reporting installment account with payment as XXXX and a charged off. This account is reported incorrectly. I have no record of this account and requested this be validated with wet signature and have not been given thar information to date. 

Acct XXXX XXXX, in the amount of {$890.00}. i have no knowledge of this account and requested this be validated and Was not given validation. I also Had secondary insurance which does not allow to be balanced billed. 

There are multiple inquiries under dispute as a result of my name being spelled incorrectly and credit being pulled without my knowledge XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Removal of all information in question above Update XXXX XXXX to show no late payment history as month being reported late was the month we entered into forbearance.
Product: Checking or savings account

I bank with chime and sometime on XXXX  XX/XX/2023 someone got a hold of my account and used the pay anyone and sent money to a XXXX XXXX is all I seen in my transactions. I filed a dispute and it was denied. So I feel like chime is letting people scam me and not give my money back. I have never used pay anyone the whole time I have had the account. I dont even know who took the money or who it was sent to.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, XXXX XXXX XXXX add a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/ sold and I am no longer responsible for the account. Debtors creditor did not verify this collection. Also, there was No written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA, XXXX XXXX XXXX has violated my rights as a consumer and Im requesting legal action to remove this account immediately.
Product: Mortgage

Pursuant to the Americans with Disabilities Act and Fair Housing Act, I sent Select Portfolio Servicing Inc. a reasonable accommodation request, a change, exception, or adjustment to a rule, policy, practice, or service. Select Portfolio Servicing , Inc. ordered an interior inspection of my property, denied my request and stated the following : SPS is required to service its accounts according to the requirements of the Noteholder and full payoff is required on the account. 

As a result, I forwarded my reasonable accommodation request to the Noteholder and below is the Noteholder 's response : I am writing in response to your email addressed to Executive management at XXXX Bank, concerning a mortgage with Select Portfolio Servicing. Your correspondence was passed along to me for response. 

XXXX Bank acts as a Trustee on behalf of many trusts which hold various real estate, but we do not have any specific information about individual properties and we are not involved in the decision making process regarding any real estate. In our capacity as Trustee we do not have an economic or beneficial interest in the loans and we have no authority to manage or otherwise take action on the loans ; this includes requests for loan assistance, modification and the like. All questions should be directed to the servicer of the property. 

The servicer of the property, Select Portfolio Servicing IncXXXX ( SPS ), is the party with authority to address the issues described in your email. Upon receipt of your email, we immediately forwarded the information to SPS. A response directly from SPS may come under separate cover. In the event you have additional questions related to this matter, please feel free to contact SPS. Their contact information is as follows : Select Portfolio Servicing , Inc . 
XXXX XXXX XXXX XXXX My additional complaints against Select Portfolio Servicing are Misrepresentation of my mortgage loan transactions, and failure to review my applications for loss mitigation and my reasonable accommodation request within 30 days and discrimination due to XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute certain information on my credit report that I believe is inaccurate and does not reflect my true financial history. I have carefully reviewed my credit report, and I have identified the following discrepancies
Product: Debt collection

Received phone call from XXXX with bright water capital XXXX stating that her company bought my original debt from XXXXXXXX XXXX and I owed XXXX. I set up payment arrangement ( XXXX on XX/XX/XXXX ) and 75 monthly payments since that date. In XX/XX/XXXX I received a letter from XXXX XXXX ( XXXX ) XXXX stating that their company bought my debt and I owe them XXXX I then asked XXXX from bright water capital to please send me proof of debt which she only offered to do in an email. 

Brightwaters proof of debt included the whole account number XXXX amount owed is XXXX states that original creditor is XXXX XXXX XXXX XXXX  ( the actual creditor is XXXX XXXX  not XXXX ( thats just where I bought the couch ) also the debt letter email has my old address not miss you current one. 

XXXX proof of debt letter has only the last four digits of the account XXXX, states I owe XXXX states original creditor is XXXX and merchant is XXXX XXXX XXXX XXXX. Debt letter has my correct address. Their debt letter also explains that if I contact them within 30 day in writing they will send me verification of the debt or a judgement against me. Brightwaters email does not state that. 

If XXXX is in fact who I owe the money to then what happens to all the money that I paid brightwater capital on this account? 

I am unsure of which company to pay or if the debt was double sold? I am unsure who actually owns the debt and have tried calling XXXX for help on who they sold the debt to but they state that there is no account with them at all? I need help before it goes on my credit report, and help getting my money back if I have been paying to wrong company. 
Thank you for your assistance Please help, Thank you XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently disputed with Transunion the XXXX XXXX XXXX XXXX entry that was reflected on my credit report ( see attached credit report ) and their response was that the entry was verified. To that end, I disputed immediately with XXXX XXXX XXXX XXXX. The response from XXXX XXXX XXXX XXXX, that is the reporting agency for this account answered my dispute by indeed stating that they were informing all credit bureaus to delete the account from their records and that they were also closing the account with their agency and ceasing all collection activity. This account entry should be deleted immediately from my Transunion credit report. 

Upon deletion, Transunion needs to provide a full, current, copy of my credit report that reflects the deletion of this entry.
Product: Credit card or prepaid card

Credit Karma is an incredibly shady company. XXXX already has a near monopoly on the tax filing business for regular filers and they they insert this financial services arm into it. They say that they are trying to get you your money faster so you start to sign up, only to realize by " get your money '' they mean they are creating a card account by which they hold your money and probably use it for other investments. 

That in itself is very unethical. But before I fell into that trap i went back and went with a normal direct deposit. But at the end of the whole process they sent me to a Credit Karma page which said they were still sending me a card. 

I looked all over the website for how to cancel that card and cancel the account with no luck. So i went on their help chat. The first person handed me off to a second person who handed me off to a third person who they said would email me. 

It should not be this hard to cancel an account i was tricked into signing up for only minutes beforehand. And XXXX should not be able to leverage their tax filer access to build a credit card business using tax payer refunds.
Product: Debt collection

I received a phone call from XXXX XXXX on XX/XX/XXXX in an attempt to collect a debt in the amount of {$630.00}. 

On XX/XX/XXXX, I requested two months of forbearance on my loans because I lost my full-time job. These were granted with no issues, and I was not informed of any restrictions moving forward on using the rest of my forbearance months ( XX/XX/XXXX remaining ). 

I do not have a full-time job, and my monthly income is {$1800.00} ( I work three part-time jobs ). I am unable to afford my fixed expenses ( {$2400.00} ) in full so I attempted to speak with XXXX about using some forbearance while I tried to catch up. However, they informed me that 9 monthly payments must be made in between the use of forbearance before another 2 months can be used. 

This is the first I've heard of these stipulations. I am behind on this loan and if I have 10 months of forbearance, it would be helpful to be able to use it since this is why it exists. I'm working on pulling up my promissory note from when I originally signed the loan with Citibank in XXXX ( XXXX now services Citibank 's loans ) because I don't believe I was ever informed of us. If I was, I would have potentially reconsidered using the forbearance some months ago. 

This aside, XXXX was unable to work with me any further on. Is this what it's come to? If people can't make a payment, they just push you into a bigger hole of debt?
Product: Credit reporting or other personal consumer reports

Inaccurate Personal Information Requested several times to accurate information to be updated. Experian refuses to validate my request by FCRA laws.