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

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed XXXX {$140.00} XXXX XXXX XXXX Balance Owed : {$140.00} XXXX XXXX XXXXXXXX Balance Owed : {$20000.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$910.00} XXXX  XXXX Bankruptcy XXXX XXXX XXXX XXXX Date XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX, IL XXXX XXXXXXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX Balance Owed : {$910.00} XXXX XXXX XXXXXXXX Balance Owed : {$240.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 - XX/XX/2020 {$0.00} The companies XXXX, XXXX, and Equifax have been reporting illegally and malicious complaints.
Product: Checking or savings account

Opened up a checking account with US bank online..at the time they offered a promo that if you had direct deposit within 60 days there would be a {$300.00} deposit into the account.This promo code was attached to my account upon completion of beIng opened..I called customer service to get more info and was told I had to go to my local branch.I went to the branch at XXXX XXXX XXXX XXXX XXXX  XXXX Co XXXX and sat down and spoke with a rep..I was told that she had to do more research and would give me a call to let me know the status..I never received the call.I called again numerous times no answer.Finally was able to get someone to answer at XXXX and once again was told I would be contacted by the individual who promised the first call back..I need a rep to contact me and let me know whats going on with this
Product: Debt collection

DIVERSIFIED CONSULTANT ACC # XXXX FAX # XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name This debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify any company associate with this account and tell them the debt is the result of identity theft. 
I have enclosed a copy of the Federal Trade Commission 's Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Inform any company associate with this account DIVERSIFIED CONSULTANT ACC # XXXX that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
XXXX, XXXX SS # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

While in the process of repairing the damage of becoming a victim of bankruptcy debt buyers, obviously buying my court ordered discharged debt and selling it completely ruining my entire credit profile after my discharged bankruptcy I find that that the violation continues. I have proven these cases have been sabotaged and illegally used I have provided the suspects name. While Equifax reportedly removed the cases equifax immediately reports them back using a company that has never been involved as the reporting party. I have become victim enough and this is a total violation of the FCRA. I will include images as too just what equifax did. All evidence will be forwarded to the courts for investigation and damages.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update or get rid of the following accounts from my file. 
XXXX XXXX XXXX : {$3800.00}
Product: Credit card or prepaid card

Let me tell you something ... ... 26 USC 761 contains an exemption to not be treated as a partnership for tax purposes if it is availed of for certain reasons. The privacy policy of these financial institutions sounds like one of those reasons.

The IRS regulations basically contain two ways of messing such an exemption - one being that each partner makes an election on a partnership return form. The other way is if, in lieu of making the election on a partnership return, the evidence and circumstances indicate that each partner wanted to elect. Hence these XXXX privacy policies and privacy notice. 

But notice one thing, they give you credit based on ( you guessed it ) your information. You provide them with information and they either deny or provide credit based on that information. And really, they don't give you credit, they just inform you some digits, which is information, which goes back to my earlier complaint about how it's all a1031 exchange of like property ( information exchanged for information ) under 26 usc 1031. 

It's all XXXX. Every bit of it. Now I want to arbitrate but I get denied at every turn so I'm not giving a XXXX. I'm putting all of this XXXX out there. XXXX XXXX XXXX XXXX XXXX XXXX, my lights and water are scheduled to get cut off, and I have an eviction notice. And for what? XXXX this XXXX.
Product: Student loan

I found out my federal student loans were transferred again, this time to MOHELA. After calling and waiting on hold over 2 hours, I finally spoke to someone to set up auto debit withdraw to make sure my payments would be timely, as you can see my credit score I pay everything on time. I was assured over the phone in setting up the date for payment each month. Then I got a notice I was charged a late fee due to the date the mohela representative told me would be appropriate for keeping my payments on time and in line with the expectations for repayment. I have reached out through their secure portal inquiring and requesting they remove this late fee as it occurred due to the guidance is their employee. They have not provided any documentation about who that person was or when it was it processed, just sent me a form about auto debit and didnt even address my question at all. I then sent another message asking them to please address my question about the late fee and they just sent me a document talking about late fees. They have been absolutely awful to work with, do not know what they are doing, providing false and inaccurate information with ridiculous wait times, and fraudulently charging late fees. I just want the late fee removed at this point and would love to switch to another company due this but I dont think I have any ability to do so as it was switched to mohela without my consent. 15 years ago my now ex husband had a loan through mohela and they were horrible then and even worse now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed XXXX XXXX several times. They are reporting that I am past due. The amount that they are reporting as past due is actually what is in forbearance after a modification. However Experian keeps saying it was verified. So this time I reached out to XXXX and emailed the CEO he had someone get back in touch with me only for me to find out Experian NEVER contacted them to investigate. I am asking that Experian stop violating FCRA laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a verification of debt to XXXX XXXX XXXX XXXXXXXX. I also sent a dispute letter to transunion. Both are attached. Also attached is a screenshot from my credit report showing the incorrect address for this debt collector a debt collector that I have never seen any paperwork from and I have no idea what it is. I can not send them any information without it being returned to me because the address is incorrect that they have listed.
Product: Mortgage

I have tried for years to get modification on this property. I have sent all the required documents and it would always be a repeat. They claim some documents were missing although they were sent certified in XXXX package. At this point I need someone to communicate with Chase to get these documents to an underwriter to get this modification done.
Product: Debt collection

A payday loan company got a judgement on me in XXXX in the amount of {$1300.00} which includes court fees and costs. I started paying them back on XXXX/XXXX/XXXX {$50.00} per month through a debt management company. When they were contacted in XXXX XXXX by the debt management company to set up a payment plan they automatically served me with court papers. I got the court date cancelled by filling out a financial statement and proof of needs based assistance. The debt collection company agreed to a temporary payment plan of {$50.00} per month for 5 months. I upped my payments to XXXX per month in XXXX XXXX like they asked. In XXXX XXXX i received another summons to appear in court. The debt management company called the collection company with me on a 3 way call they stated we were going to court again because I had not completely completed another financial disclosure form that they sent to the debt management company. The debt management company had no records of their request. The debt collector said if i complete the form completely that we wont have to go to court but i will still have to pay them court fees. I have been called at least once per week by the debt management company requesting my bank account information and employer information for the debt collector since XXXX XXXX. I have paid XXXX dollars on this debt over the past year and have XXXX left to pay. The debt management company tells me the collector is charging me interest at 12 %. This is a 6 year old debt. The reason for the court date on the papers i was served is for unpaid debt in the amount of XXXX. I only have XXXX left to pay plus they are now charging me interest. Is this legal? They have not agreed to a payment plan for whatever reason but are cashing my payments. I should not be responsible for added court fees again i am already paying them in the judgement of XXXX
Product: Credit reporting or other personal consumer reports

I have contacted Equifax and XXXX numerous times letting them know that almost everything on my credit is fraud and to take it off also the collection items and inquires are all wrong and they wont take them off i did get a letter saying that my information was compromised on and before these data breaches and that i am the victim of identity theft. I want all this stuff removed off my report now.
Product: Debt collection

account was sold to a collection company and they have triple the amount of the collection
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 the company AMERICREDIT ran a Hard Inquiry without my consent. I'm now attempting to resolve that issue.
Product: Credit reporting or other personal consumer reports

The accounts from XXXX XXXX XXXX XXXX XXXX XXXX have been reported on my credit history, which has been perplexing for me since, until the moment I checked my credit history, I had not received any notification from the original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX or from the collector that an account would be transferred to a third party. This has been problematic as their presence on my report has significantly affected my finances and credit applications. I filed various disputes with the credit bureaus, requesting validation of the information, as well as with the collector regarding how this transfer of my credit information was handled. I did not receive a response from them, so I decided to take action and submit this complaint. 

Based on a preliminary investigation and analysis of my credit report, I noticed that the accounts are being reported irregularly among the credit bureaus, providing incomplete information that varies between them, and even some bureaus do not report either of the two accounts. My research shows that these discrepancies fall under the definition of violations of sections 15 USC : 15 USC 1681e ( b ), 15 USC 1681i ( 5 ), 15 USC 1681 ( a ), 15 USC 1681s-2 ( a ) ( 2 ), and 15 USC 1681n . Given these facts, I determine with certainty that the account does not meet the legal requirements to be reported on my credit history.
Product: Student loan

I started making payments for my loan on XX/XX/XXXX. In XX/XX/XXXX I applied for the REPAYE forgiveness program and they consolidated my loan with a higher APR, the amount of the consolidation doesnt make sense because if I add all my payments the one that goes to my principal the amount consolidated supposed to be less than they put. As of today the payments of last year almost all went to the interest part and is like since XX/XX/XXXX Ive never pay it. Of each payment Ive made the amount that goes to principal and interest has not been on any payment the same. There most be something wrong here.
Product: Credit card or prepaid card

i had citi card cbna inquire on XX/XX/2018!! 
i didnt apply for any citi card at this time!! 

thanks
Product: Credit reporting or other personal consumer reports

Experian late in the day closed its 2nd complaint of the day without addressing the issue and giving explanations that have nothing to do with the problem
Product: Debt collection

Portfolio Recovery Associates sending my letters and calling me about old debt from XXXX XXXX XXXX XXXX XXXX XXXX XXXX I try to fix this issue by dispute and try to negotiate instead they threaten me to take legal action if I dont pay them this debt. Please stop threatening me and remove this collection from my report due their debt collection practices and not validating this debt on time under the law FCRA regulations and requirements.
Product: Debt collection

Since XX/XX/2022 Ive made timely payments to Services Financial XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX, FL XXXX for the financing of a Hot Water Heater / Furnace installed by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. Every single payment has rescinded, over and over again, claiming incorrect bank account number, incorrect routing number, bank rejected payment, system issues, phone payment system issues, incorrect bank account type ( s ) or system issues, no payments processing at the time due to faulty phone payment system. Ive paid them from four different bank accounts, set up auto pay, made payments with two managers on two separate occasions with the same outcome. For some ironic reason the same outcome no payments withdrawn but I get confirmation numbers. Payments rescinded over and over resulting in default and eventually property liens etc. They are reporting derogatory information ruining my credit rating and questioning my credibility to properly input or provide banking information .Finally, Ive had enough, I paid the entire balance XXXX {$3100.00} on XX/XX/2022, On XX/XX/2022 I received a call from collections Service Finance Company , LLC XXXX XXXX advising my account was over 77 days delinquent and I needed to make another payment, I was livid ask to speak with a manager who advised the clerks had been entering the incorrect bank type ( s ) and this is why payments were rejected resulting in negative credit reporting. He also said I needed a physical copy of the paper check in order to provide the correct routing and checking information, insinuating I provided the incorrect information on all eight payment attempts. This is not a trust worthy company, I do not recommend them to anyone, On XXXX XX/XX/2022 I paid again but this time the balance increased to XXXX, I asked why the increase on an interest free loan and I was advised after the first late payment that they incorrectly processed I began to accrue daily interest. I made a payment iao {$3100.00} on XX/XX/2022 and Im almost for certain this issue will repeat itself therefore Im submitting this complaint with a plea for help, I just want to pay this debt off. And to bring awareness to consumers so that no one else will be victimized like this. Fraudulent rescinded payments leads to asset management evolving into a legal matter. 

Please Help Me-
Product: Mortgage

My mortgage was with XXXX XXXX for a very long time. They sold the servicing to XXXX XXXX In XXXX Florida. I have been trying to work with them to get a modification on my home due to divorce and health problems. When I applied for the modification they told me that I didn't give them the paperwork in time. I showed them the proof from my e-mail that I did give all the information in time for them to look at it. This was incorrect on their part. 
On XX/XX/2018 Bayview told me that they can't help me due to previous modifications with XXXX in the past. I called XXXX XXXX today and my loan is not backed with them? 
I know the Bayview doesn't care if I lose my home but I am working and a single mother and trying very hard to live in my home. 
Anything you can do to help me would be greatly appreciated. 

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

In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report The credit bureaus stated my account was properly investigated but, how is that possible if the open date is inaccurate, the date last active is inaccurate, the date

opened is inaccurate. This is ground for removal. They also violated my rights under 15. U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681b and 12 CFR 1022.3h 6 accounts I did not give consent to have attached to me please delete them it's a XXXX dollar violation for each one
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to XXXX XXXX many times in attempts for them to fix the in accuracy on my account and they refuse to do that. They are still reporting that its an open account on a closed account from 2018! Ive sent many dispute letters To have them fix the problem and remove it and they refused stating that its allys financial Doing and sending me in circles! THE LAW IS THE LAW! Let me educate ... For one by law Under 15 US code 1681B-permissible purposes of consumer reports.

( a ) In general Subject to subsection ( c ) any consumer reporting agency May furnish a consumer report under the following circumstances and no other : ( 2 ) in acco
rdance with the written instructions of the consumer to whom it relates.

I NEVER Gave XXXX  any written consent to report anything on my consumer report. No consent is identity theft. I demanded a deletion of this account. And secondly they need to be fine for reporting lies on my consumer report.
Product: Credit card

I had a company credit issued to me and the company closed the credit card in XXXX 2014, however the credit card continued to charge me a fee for a service from another company that I had already closed, without informing me of this going on. The card had been closed and expired and the credit card still let the charges accumulate. They also went to an electronic notification and I was never notified of any of this until I received a collections letter over a year later about charges and they were sending me to collections. The credit card let a company charge a closed account for over a year and never informed me of this, and the company charging against the credit card has not provided any service to me since XXXX of 2014, when I closed the account.
Product: Bank account or service

When my wife opened a new individual account at Chase Bank to receive her Social Security payments, the Chase employee was instructed to not include my name and social security number. My spouse had XXXX other accounts in which I had signature authority, therefore my Social Security number was on file. This process of removing my name Social Security number from the new application triggered an alert or concern with Chase Bank. This resulted in classifying me as a " reputational risk ' to the Bank and XXXX Chase Bank accounts were closed and XXXX credit cards were cancelled where my name and Social Security number were attached. Local branch manager at Chase reviewed the new account process with the employee and indicated that the new account process caused problem. Chase management refuses to acknowledge the cause, reverse their damaging allegation about me or tell me what makes me a 'reputational risk ' or re-establish the accounts. 

A complaint letter has been sent to Chase Bank branch in XXXX XXXX but I am told that nothing can be revealed to me about the decision but other financial institutions will be notified that I am a 'reputational risk '. This is damaging for me and Chase 's claim can not be challenged.
Product: Debt collection

I do not owe this amount. In fact, DRS owes me credit balance. I pay as ordered per wage attachment and order on arrears. See documents as attached. MUST be removed from credit report files ASAP. Please confirm.
Product: Money transfer, virtual currency, or money service

I have transferred money to XXXX by Western union on XX/XX/2022, amount is XXXX {$180.00}. My receiver never received in his bank. I have complained many times and Western told me it is completed. but my receiver bank had no transaction attempted. It was also show on my track statement that did not delivered. However, Western said they are still investicating and never refund my money back .It happened to same receiver in XX/XX/2022 {$550.00}. after I complained that time, Western refunded to me. However, this time they never refund and kept saying no news from XXXX XXXX. can you please help me to solve this matter. This case is more than 1.5 months and they are ignoring. my money is stuck some where, Western never refund too. 
thank you.