23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX my Mother was first contacted via phone by someone who left a voicemail for her saying he was calling from XXXX XXXX, a third-party company retained by XXXX and XXXX regarding a pending legal matter that was going to be filed against me and that if I didn't want an action to be filed that I would need to contact their legal department immediately. I called the phone number and reached XXXX, XXXX and XXXX and spoke with someone who said her name was XXXX. She explained to me that the reason they were trying to reach me was because they were in the process of trying to serve me legal documents at my place of employment or anywhere they could reach me regarding a Chase debt ( that I had settled on XX/XX/XXXX ). I emailed her a copy of the paid letter and receipt. She responded that the settlement was actually only a payment and that this payment restarted the statute of limitations on the debt and that I still owe the debt. She encouraged me to acknowledge the debt and enter a payment plan and also stated that she and an attorney in her office were trying to add the debt to my credit report since it had not been reported, in error. I responded that I believed I had already settled the debt in full, that it was resolved, and that I would be getting in contact with an attorney to assist me with this matter. She responded that it would be cheaper for me to just settle than to pay an attorney and reassured me that she was calling from a legitimate, licensed debt collection agency. She encouraged me to look up their business license with the department of Commerce. She also verified my social security number and many other person details such as how much credit I currently have and most recent place of employment. I continue to receive debt collection calls about this settled debt from spoofed numbers threatening that I still owe the Chase debt and that they will sue me and see me in court.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unknown person used my Social Security Number and name to open a credit account with AVANT WEBBANK LLC. using a XXXX address - I have lived in XXXX for 30+ years Avant Webbank LLC refuses to close the account or provide any other ( of my ) personal information that was submitted to them to perpetrate this ID theft. 

Avant Webbank LLC will not cooperate except to require ME to provide endless forms and submissions- they also waited over 10 weeks to respond at all to numerous calls and emails. 

I even got help from XXXX XXXX XXXX XXXX XXXX - and Avant Webbank LLC refused to work with them as well - they have ignored or delayed any assistance I have provided Avant Webbank LLC my driver 's license ( XXXX  ), a utility bill ( XXXX  ) and many other documents
Product: Credit reporting, credit repair services, or other personal consumer reports

This is account is inaccurate and incomplete information is reported differently on Experian, XXXX and XXXX. Per the Fair Credit Act 611 this is a violation. Please see the attachment for XXXX # XXXX. 

Please delete account.
Product: Credit reporting or other personal consumer reports

Hi my name is XXXX XXXX. 

I am writing to formally request the removal of a duplicate credit inquiry from my credit history. Upon reviewing my credit report, I noticed that a credit inquiry was made twice in error by company XXXX XXXX. This duplication is negatively impacting my credit score. 

I believe this was a mistake, and I kindly ask that you investigate this matter and have the second, duplicate inquiry removed from my credit history. This action would help ensure that my credit report reflects accurate and fair information. 

Below are the details of the inquiries : Bank XXXX XXXX Hard Inquiry XXXX : XX/XX/2023 Hard Inquiry XXXX : XX/XX/2023 Hard Inquiry XXXX XX/XX/2023 XXXX XXXX XXXX Hard Inquiry XXXX XX/XX/2023 Hard Inquiry XXXX XX/XX/2023 Hard Inquiry XXXX XX/XX/2023 My full name : XXXX XXXX My date of birth : XXXX The last XXXX digits of my XXXX XXXX I appreciate your prompt attention to this matter and look forward to hearing from you soon. Please let me know if you require any further information or documentation to resolve this issue. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

My personal and financial information was compromised without my authorization.

the Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information. Student Loan infor
mation : Dept of Education/ Nelnet XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency, 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 : LIST OF ACCOUNTS TO BE REMOVED 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 {$450.00} This account has resulted in several appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent account. I do not recognize the aforementioned account, as reported. The aforementioned account, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned account is the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit account is the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed an account ( XXXX XXXX XXXX listed on my credit report. I have been disputing it for a month. Its not my account. i have submitted my lease, my electric bill and various other evidence showing i never lived at the the address XXXX XXXX  is trying to collect for. Experian has chosen to ignore all the evidence, plus the fraud alert and multiple notices saying my SSN has been compromised from their own company and kept this fake account on my record damaging my credit. I also have spoken with reps throughout this process and submitted information. I spoke with a rep on XX/XX/20 who stated that the creditor XXXX XXXX   had not responded. It should have been deleted when I was on the phone. Experian is violating the FCRA by keeping this account on my credit and not investigating.
Product: Mortgage

my escrow account XXXX XXXX 2024 was negative XXXX dollars the mortgage comapny increased my paymnet by XXXX dollars which towards the escrow account and i paid additional XXXX dollars on my XXXX payment towards escrow which reduced it to XXXX dollars which is on my mortgage statement, i called the company because they were still charging me an XXXX on my payment i was informed that i still owe XXXX on my escrow account but my statement from the company clearly states i only owe XXXX on my escrow, the matter wasnt resolved when i talk to the company representative despite my statement saying i only owe XXXX
Product: Student loan

Loans went into repayment in XXXX 2016. Every penny of monthly payment has been applied to interest, nothing to principal. I will never get this paid off through income based repayment if nothing is put towards principal.
Product: Payday loan

I have a complaint about a transaction at this store : XXXX # XXXX XXXX Cleveland, OH XXXX NCP Loan Number : XXXX I was told that it was part of XXXX is part of Advance America. 

I 've been taking out loans on and off from this location for about XXXX months. In earlier loans, I was given the option if I wanted the repayment withdrawn automatically from my checking account. Then I was told if I wanted to " re-up '' the loan, meaning process another loan right after paying the first one back, I would have to come in because it can take their system XXXX days to recognize the first loan had been repaid via automatic withdrawal. Finally when I took out my latest loan, the story changed once again and I must come into the store to repay, there is no automatic withdrawal option - even though I received text messages confirming they would process an automatic withdrawal the next day if I did n't stop in on the due date. They even called me and my husband to harass us because I had n't come in. 

I believe they are changing the auto payment rules to encourage people to re-up their loan, and never really pay off the cash advance. Please feel free to call me if you have any questions. 

SincerelyXXXX cell XXXX
Product: Mortgage

I have a 30 day late on my credit report when the money was paid and out of my bank account and with Ditech. Here is the list of events that have happened over the past 3 months. 
XX/XX/XXXX - made a {$200.00} payment toward my mortgage payment that was due on XXXX. 
XXXX - made full payment of XXXX because the online and automated system will not allow a payment of anything less than a full normal payment XX/XX/XXXX - called to make my payment due XX/XX/XXXX. I called because I was going to make the payment minus the {$200.00} that was still sitting in my account since XXXX XXXX. The CSR was great. She saw my {$200.00} and said it went to late fees but it could be reallocated and all I had to pay was the remainder of the payment which was XXXX. She took that from my account for me and waived the {$19.00} fee because I did n't have another option to make that payment due to their online limitations. She assured me I was all set. 
XX/XX/XXXX went to make my payment online and was past due. Called customer service to straighten it out. They said my reallocation requested was submitted on XX/XX/XXXX but did not have a decision yet. I was hit with a 30 day late on my credit report for XX/XX/XXXX. I asked for a manger and spoke with a man named XXXX. He assured me that it would be looked at ASAP and he would get back to me on XX/XX/XXXX either way. He never called. 
XX/XX/XXXX - I called customer service again. My reallocation was not complete and no one could answer me. The girl I talked to sent him an email and I left him a message and still no response as of XX/XX/XXXX. 

I am beyond frustrated beyond words. First of all I was told I was all set for XX/XX/XXXX by a customer service representative and I was not. Then my credit took a hit which it should not have. I paid XXXX. Then I call to resolve the matter and it has been over a month and was never even looked at. I do not know if my credit will be hit again for XX/XX/XXXX. Ditech had my money and did n't put it to my payment and then caused a hit on my credit. Then they have yet to resolve the issue ... ..over a month later!! Then to top it off, I can not get a response from this company and/or the manager that I spoke with. I can not get anyone to work with me and help me. All calls are recorded and I even asked them to pull my phone call from XX/XX/XXXX so they could see that I was told I was all set. I can only go based on what customer service tells me. No one will follow through or follow up with me and I need to get this resolved so my credit is not ruined any more than it has been due to their incompetence.
Product: Credit reporting or other personal consumer reports

I am disputing inaccurate student loans on my credit report with Innovis under FCRA Section 605 ( b ). These loans were reported inaccurately, and I am requesting that Innovis investigate and block this information from my credit report. Under Section 605 ( b ), Innovis is required to remove or block any information that is inaccurate or can not be verified. I am seeking the immediate removal or blocking of these inaccurate accounts.
Product: Checking or savings account

On XX/XX/XXXX a check in the amount of {$380000.00} was deposited into our joint checking account at Bank of America. At the time of the deposit I was told a hold would be placed on the funds for seven days and we would not have access to our money untilXX/XX/XXXX. I complained that 7 days was an excessive amount of time for a bank to earn interest on our funds given the technology at their disposal to quickly process routine transactions such as this. I was told there was nothing I or they could do to reduce the hold time. 

It gets worse. On XX/XX/XXXX I received and email from Bank of America indicating the funds would not be available until XX/XX/XXXXXX/XX/XXXX. Twelve days is an inordinate amount of time for our funds to be held out of our disposal. I would be a rich man if I could earn interest on other people 's money in this fashion.
Product: Checking or savings account

Dear PNC bank and Cfpb this bank refuses to close my account, and they are starting to tell lies now. 
I have never seen PNC at this way before I am so shocked, and a lady called me yesterday on the phone and said she would send me the {$12.00} the bank took this money with out my knowledge from my social security deposit money that was coming in. Please have them close my account today.
Product: Debt collection

THIS DEBT WAS PAID BY THE VIRGINIA CRIMINAL COMPENSATION FUND TEL:XXXX
Product: Credit card or prepaid card

My EDD unemployment debit card, issued by Bank of America Prepaid was frauded over a month ago. I submitted a fraud claim and they keep denying it. It initially took almost a week just to submit the claim because the bank computers were down! I have tried to escalate but it is very difficult to get in touch with any managers. Please call me back as soon as possible with a resolution. The amount frauded was almost {$800.00} and it was over a month ago that I filed the claim! It's a lot of money for someone that is on unemployemnt. I also want you to know that I did my own investigation and found 3 charges on the same day to XXXX for {$140.00} and I called their fraud department. They told me that it was done with a digital card at a gas pump in XXXX, CA. They have the pictures from the camera and the video. Bank of America said that they keep on denying me because of the use of a chipped card. That is not true because I called XXXX and they said it was a digital card. In addition, they also overdrew the prepaid card, which is impossible to do, unless this is an inside job at Bank of Americal So not only am I loosing on the fraud but they also took future benefit payments on this STUPID card. Please help!!!
Product: Credit card or prepaid card

I was contacted by a gentleman that I believed to be affiliated with a company called Lending Point. I was seeking a personal loan and they told me they could assist me at the time. In order to qualify for the loan and receive the funds however, I was told my credit score needed to be raised which was understandable considering my current score. In order to do this, the lender told me they would make payments on my account from their end. They made XXXX separate payments which totaled upwards of {$4000.00}. When I spoke to the company over the phone, I was told that as soon as I paid them back that I would receive the agreed upon loan amount. In order to repay them I needed to purchase several gift cards totaling the amount of the payments they made to my credit card. After purchasing the cards and sending them the information on them, they assured me they would be sending me a loan. Only a few days later I was notified by discover card that the payments they made were returned unpaid, and that my credit card was now XXXX over my spending limit! Im trying to get this resolved.
Product: Debt collection

I am being sued by XXXX XXXX XXXX. 
I have called them many times since XX/XX/2020 to reach a payment agreement. They are suing for an amount that I don't remember owing. I am trying to come to an agreement for a smaller amount, but they refuse each time and say that they will see me in court to get paid. 
They also violated The Fair Debt Collection Act MCL 600.2145 They never notified me about the debt, not even once per mail or phone call. 
They just serve me the summons for a law suit against me and also fail to show proof of such a debt.
Product: Debt collection

DEAR SOUTHWEST CREDIT SYSTEMS, According to the Fair Credit Reporting Act, Section XXXX ( a ) ( XXXX ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

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

Please delete all accounts which have nothing to do with me, regardless if its reported as collection, charge off, closed with balance because they do not belong to me and other accounts which were unverified, inaccurate and false asap XXXX/XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, Ive been on a credit building journey to improving credit and in the process I hired a so called credit repair company to do so, sad to say nothing has helped me improve and I am now lead em belive that this said company took advantage of me, and ACQUIRED SENSITIVE INFORMATION FROM ME. Im also lead to belive that ppl that were in my household also acquired my personal information and has made fraudulent accounts and purchases in my name, Ive tried reaching out to XXXX XXXX about these inaccuracies and received a response that was not helpful, they claim something about an ip address, I have 3 phones and ppl has had access to my phones and also my wifi at home, Ive completed one successful installment loan with XXXX XXXX in XXXX never missed a payment, so when I contacted them I noticed a late payment but I was confused as to why because I knew I pod the loan off successfully so, but it seems another credit builder account was opened WITHOUT MY PERMISSION AND CONSENT!! Not only that but also some how a CREDIT CARD WHICH O MEVWR HAD OR HAD KNOWLEDGE OF WAS HOOKED UP TO MY BANK ACCOUNT SOMEHOW AND PURCHASES WAS MADE THAT ARE FRAUDULENT AND NOT AUTHORIZED BY ME, why would I just not pay a card, I have multiple other credit cards in good standing, Im being taken advantage of by XXXX XXXX  and whomever has accessed my information, multiple accounts have been hacked leading me to put a fraud alert on my credit profile. Id like these fraudulent 2 accounts that ARE STILL REPORTING REMOVED FEOM MY CREDIT PROFILE, I am a VICTIM IN THis SITUATION, I BARELY CAN READ AND WRITE AND COMPRHEND ALOT OF THINGS WOTHOIT IT BEING PROPERLY EXPLAINED the whole credit thing is confusing at best, I just last month learned how to see my credit profile with help from my mother, The FRAUDULENT accounts are : 1. XXXX XXXX XXXX XXXX date opened XXXX, XXXX, XXXX 2. A credit builder account XXXX XXXX date opened XX/XX/XXXX These 2 accounts I never had any knowledge of and they took Money out of my bank account that I WAS NOT AWARE OF!!! I need justice!!! 


The only account that should be reporting from XXXX  was A credit builder account opened on XX/XX/XXXX and I completed 12 months of payment on TIME NO PROBLEMS PLEASE CAN SOMEONE HELP ME WITH THIS COMPANY THAT IS REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT PROFILE
Product: Mortgage

XXXX XXXX... 
XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX Sun XX/XX/2023 XXXXXXXX XXXX Greetings... 

In XX/XX/2023, I discovered my home was put on a " foreclosure registry list data base '' by my mortgage company ( Select Portfolio Services ) without any type of proper notice. 

I ( only ) discovered the " listing '' because I discovered a XXXX XXXX code enforcement officer inspecting my property because of being " put on the foreclosure registry list ''. 
The code officer told me they download and use the list daily to inspect home foreclosures and abandoned homes. 

It's important to point out, I was not in forclosure so I immediately called my mortgage company. 

A call to my mortgage company quickly confirmed I was not in any foreclosure " proceedings '' or in foreclosure. I asked about the " foreclosure registry list '' and was told they had no knowledge of it, nothing appeared in my file. No current court records filed for foreclosure. 

I ( then ) contacted the XXXX XXXX Code division and was told I was put on the list by my mortgage company, Select Portfolio Services. 
I filed an " open records request '' and confirmed it was my mortgage company that paid the required fee and fraudulently filed my home on the registry list, without notice. 

The information required to submit the form, along with a required fee, was outdated, false/misleading, inaccurate and in violation of Florida law . ( 48-H, sec.8, 146 ). 

Repeated phone calls to the mortgage company call center didn't work because they repeatedly denied any knowledge of the list. 
I got zero customer service. 

The mortgage company fraudulently put me on a foreclosure list, failed to properly notify me and violated Florida law.
Product: Credit card or prepaid card

I contacted Synchrony Bank on XX/XX/2020 and asked why they closed my XXXX XXXX account and the agent told me XXXX  closed it and a letter was sent. The conversation was picked up on our security camera. I called XXXX  on XX/XX/2020 and they didn't closed this account and legally can't. XXXX  filed a dispute due to no reason why the account was closed. Looking on XXXX they're doing this to thousands of people during a pandemic. I've had excellent standings with this bank and my score from XXXX  has gone up but this will now effect my credit. This bank needs to be investigated. A copy of this report will also go to the current dispute open with XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THESE ACCOUNTS DO NOT BELONG TO ME, PLEASE REMOVE THEM FROM MY CREDIT REPORT.

Section 609 ( a ) ( 1 ) ( A ), [ 15 U.S.C. 1681g ] section 607 [ 15 U.S.C. 1681e ]
Product: Credit reporting or other personal consumer reports

XXXX XXXX account balance is incorrect on all my credit reports and XXXX XXXX XXXX XXXX credit card balance is incorrect on all my credit reports balances are lower and are appearing as higher balances than they are please correct these immediately