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

XXXX XXXX XXXX XX/XX/XXXX Re : Identity Theft Notification To Whom It May Concern, This certified letter is to notify you that I believe I have been a victim of identity theft. Please VERIFY the following accounts, THOSE following items do not belong to me and is a result of fraud XXXX XXXX   Credit limit {$300.00} Opened XX/XX/XXXX XXXX XXXX Last reported XX/XX/XXXX {$2200.00} Opened XX/XX/XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$16000.00} Highest balance {$21000.00} Monthly payment {$650.00} Opened XX/XX/XXXX XXXX XXXX XXXX   XXXX XXXX, XXXX ( 2 yrs, 2 mos ) Amount past due {$0.00} XXXX XXXX XXXX Account Number XXXX Account Type Individual Date Opened XX/XX/XXXX Status Closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a loan with a company used to be called XXXX on XX/XX/2022, the company put part of the loan in a locked savings account which won't have access to until the loan is paid off. 

A few months after I took the loan, XXXX informed all their customers that they decided to sell all customer loans to another company as a strategic business decision. Thus, my loan was sold to a company called " Systems & Services Technologies , INC. '' or SST as short name. 

I was able to establish online account with the new company and set a username and password to start paying my monthly payments to them. Due to financial hardship, I was late for a few months. One day, I was trying to login to my SST portal to make the late payments, then I received error message saying " XXXX - File or directory not found '', so I wasn't able to make any payments. 

A few days later, I was checking my credit report and found that I have negative account showing on my credit reports as a collection account with amount of {$110.00}. It seems that SST liquidated the savings account and used to pay the balance on my account without informing me. 

The savings account that was locked had a balance of {$670.00}. However, that savings account was liquidated and the amount of {$670.00} was used to pay the loan balance. Please note that I didn't receive any communication or mails from SST that my savings account will be liquidated. And as I mentioned above the website of the successor company who bought the loan from the XXXX  wasn't not letting me to login so I couldn't pay the balance of the loan which was {$110.00}, and I don't have any information for that company so I can send them the payment. 

As I mentioned earlier I didn't receive any mail or any communication from that company regarding any actions they were planning to take regarding my savings account or the loan balance. I am also attaching screenshot for the screen when I try to login to my account through the company 's website, and will see that it gives me error message as " Not Found '' page. Now that amount of {$110.00} is showing in my credit report as charged off or in collection. 

Now my credit score went down because of this negative account that is showing as a collection on my credit reports with all the 3 credit reporting agencies. 

With all that mentioned above, I am requesting to delete that account from all of my credit reports as it's causing harm to my credit specially that I need to move soon and rent a new apartment, and with that account showing in my credit report it will be hard for me to rent a new place. I want to pay the balance owed of {$110.00} but I need first to make sure that SST will remove the negative account from all 3 credit reports and I need to know how can I pay that balance. 

Thanks, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Account Name : XXXX  Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : NELNET Account Number XXXX XXXX Reason : I don't recognize this account Account Name : XXXX XXXX Account Number : XXXX Reason : I don't recognize this account
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXXXXXX Balance : {$830.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$0.00} XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX Court : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FOR XX/XX/XXXX XXXX XXXX XXXX CO XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX Balance : {$830.00} XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX ) XXXX Balance : {$4900.00} XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DC XXXX XXXX XXXX  XXXX XXXX : {$830.00} XXXX XXXX XXXX Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$680.00} XXXX  ( XXXX XXXX XXXX XXXX THE XXXX AT XXXX XXXX ) XXXX Balance : {$4900.00} XXXX XXXX ( XXXX XXXX : XXXX XXXX XXXX XXXX XXXX Balance XXXX {$200.00} XXXX  XXXX XXXX  Reference XXXX : XXXX Date Filed/Reported : XX/XX/XXXX Court : XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX 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 XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX, I was arrested XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. All my clothes, hygiene, dog, wallet ( with my Card com card, my XXXX XXXX  card, my XXXX Card, my XXXX  DL, and cash ), laptop, etc. were all in the room XXXX XXXX XXXX. I was incarcerated at the XXXX XXXX XXXX from XX/XX/XXXX until XX/XX/XXXX. None of my clothing, hygiene, debit cards or money was at XXXX XXXX when I was released on XX/XX/XXXX. When I finally got into my CARD.COM account, there were several transactions from XX/XX/XXXX through XX/XX/XXXX XXXX, XXXX. Since I was incarcerated, with NO access to my cards, my phone, etc. at the time of the charges, there's no way I could have made any of those transactions. I filed a Dispute on XXXX separate occasions with CARD. COM, per their request, with all the required paperwork ( police report, Arrest Report, etc. ). CARD. COM denied my claim.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX, XXXX XXXX was granted a judgment for the amount of {$4100.00} on a personal loan I obtained in XXXX. On XX/XX/XXXX, a XXXX XXXX employee, XXXX ( name may be misspelled ), from the Legal Department called my place of employment. XXXX failed to diligently locate the Personnel Department and spoke to a co-worker. XXXX spoke to Mr. XXXX XXXX, a XXXX XXXX, who addresses legal affairs for the inmates at my job. Mr. XXXX does not address employee legal matters or issues with debt collectors. On XX/XX/XXXX, Mr. XXXX emailed me requesting I give him a call. On XX/XX/XXXX, I spoke to Mr. XXXX, who informed me of the phone call between him and XXXX on XX/XX/XXXX. MrXXXX XXXX stated a woman called from XXXX XXXX, disclosed she was collecting a debt, and is trying to serve my job a wage garnishment order. Mr. XXXX stated the woman did not ask if she reached the correct department, or if she was speaking to the right individual. Mr. XXXX gave me the phone number he was given. After I left work, I immediately called XXXX XXXX and spoke directly to XXXX and identified her as making the call to my job. I informed XXXX she called the wrong department and she disclosed my personal business with someone who addresses inmates legal issues. XXXX denied disclosing my personal matter, however Mr. XXXX had knowledge of my pending garnishment due to XXXX negligence. Due to XXXX conduct, I suffered severe distress and embarrassment as a result of my personal business being disclosed. On XX/XX/XXXX, due to my Attorneys error, I filed for Chapter XXXX Bankruptcy for the third time, which was confirmed on XX/XX/XXXX. My plan is confirmed for me to pay 100 % of my debt owed to creditors, including XXXX XXXX. A wage garnishment order was served to my job on XX/XX/XXXX from XXXX XXXX, although the debt is included in the Chapter XXXX plan payment.
Product: Debt collection

XXXX XXXX CLAIMS THEY DID NOT SUBMIT THIS DEBT COLLECTION AGAINST ME- AS I NEVER MOVED INTO THE PROPERTY THE DEBT IS REGARDING. BOTH XXXX XXXX AND THE PROPERTY MANAGEMENT COMPANY HAVE CONTACTED THIS DEBT COLLECTION AGENCY STATING THAT I AM NOT RESPONSIBLE FOR THE DEBT AND I HAVE CALLED THEM AT LEAST FIVE TIMES WITH NO RESOLUTION. THIS IS A WASTE OF MY PRECIOUS TIME AND THE STRESS IT HAS CAUSED IS NOT ACCEPTABLE. ALL THE EMPLOYEES WITH THIS COMPANY I SPOKE TO WERE RUDE, NOT HELPFUL, AND REFUSED TO HELP WITH THIS ACCUSATION. THIS IS NOT ACCEPTABLE AND THIS NEEDS TO BE RESOLVED IMMEDIATELY! 
WHY SHOULD A CITIZEN WHO HAS NO OBLIGATION, AND THE PROOF VERIFIED, STILL BE HARRASSED BY YOU? THAT IS WRONG! AGAIN, YOU WERE CONTACTED BY BOTH XXXX AND THE APARTMENT PROPERTY MANAGER TO VERIFY I AM NOT RESPONSIBLE FOR THIS DEBT SO RESOLVE IT! 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax needs to fix the issues about the inaccurate information for the unauthorized inquiry and reported in my Credit Report. They failed to organize a proper investigation to confirm and validate the item since multiple errors were being stated. Moreover, they have failed to advise me about this matter considering that I have made and sent a lot of requests to their address. Here is the inquiry that I am disputing : Inquiries : XXXX  XXXX XXXX/XXXX/2020
Product: Credit card or prepaid card

Chase freedom unlimited card closed without my permission suddenly after I paid the balance off
Product: Checking or savings account

Hello this is XXXX XXXX. I am, again, forced to submit a complaint in response to the yet again stonewalling received from Bank of America. Yesterday my mother received an email from a gentleman named XXXX XXXX, who is the Senior Resolution Specialist under BoA 's employ, asking me to call him to again get what should've been dealt with nearly a month ago resolved. And just like with XXXX XXXX, he was also 'conveniently ' not at his desk when I called both yesterday after receiving the email and today. 

XXXX XXXX XXXX has stated in his email that if we do not contact him within 48 hours he will consider the matter closed, and it's becoming increasingly apparent that Bank of America 's resolution department is and has been actively avoiding me and my family and has no intention of removing a stop payment from a legitimate check that was deposited on the XXXX of XXXX. 

Earlier today me and my family went to a funeral home in XXXX MA to arrange the cremation of my father, and unless some money comes our way ( like say {$2800.00} ), it will be VERY difficult to take care of those costs and anything else we might need. We will also be contacting the Federal Reserve as well tomorrow, and we hope that both of you guys will finally put this to bed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX XXXX am acting on my own behalf In accordance with the Fair Credit Reporting Act, 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I have contacted XXXX, XXXX, and Experian about inaccurate/fraudulent inquires on my credit report by mail and phone multiple times and to no avail. They have continued to ignore my request for immediate removal of the inaccurate information and have not investigated nor provide me with proof bearing my signature of inquiries on my report that I did not authorize. I'm asking to please delete these inquires as they are affecting my odds for approval of credit moving forward.
Product: Debt collection

Company repeatedly calls through out the day on a cell phone that is registered in my fathers name. I told them months ago to stop calling and they said that its ablegitimate debt the calls will not stop. To top it all off the lady that called today stated who she was with and what it was about before asking to speak to me.
Product: Consumer Loan

The creditor fails to provide the legal notice, breaches the peace, or violates any other law related to repossession then a wrongful repossession has occurred. Within 120 days of the Effective Date, not call a particular phone number related to an account if any person has requested, orally or in writing, that XXXX BridgeCrest stop calling such number or has stated, orally or in writing, that the consumer that XXXX BridgeCrest is trying to contact can not be reached at that number ; Must not communicate with any person including references. Requested to do so by the person after the account has become delinquent or XXXX BridgeCrest reasonably believes that the earlier response of such person is erroneous or incomplete and such person now has correct or complete location information ; and XXXX BridgeCrest has not had contact ( meaning outbound call with right party contact or inbound call, email, or letter ) with the consumer in 30days or more. Must not communicate with third parties, including references, after the third parties have requested, orally or in writing, that XXXX BridgeCrest not communicate with them must take the following affirmative actions within the time periods provided : Within 30 days of the Effective Date, not adopt and implement reasonable policies and procedures to prevent communications that would be violation damages to the accountholders. Must not communicate with consumers at their workplaces if consumers have requested that XXXX BridgeCrest not communicate with them at their workplaces fully aware XXXX BridgeCrest knows that the consumers ' employers prohibit communications to their workplaces XXXX of FL adhere no personal use company 's property business lines, fax, copier, email and computer system etc.. The written consumer information furnishing policies and procedures that Furnisher Rule in compliance effective date cease furnishing information related to a voluntary or involuntary repossession verified the information is falsehood written that must be permanently block the refurnishing of the inaccurate information the accountholder motion name XXXX instance that Motion Consent Order requires the Board to ensure adherence to, or undertake to perform, certain obligations of XXXX BridgeCrest, the Board must : a. Authorize whatever actions are necessary for XXXX BridgeCrest to fully comply Motion with the Consent Order ; Require timely reporting by management to the Board on the status of compliance obligations ; Require timely and appropriate corrective action to remedy any material non-compliance with any Board directives related to this Section the act of wrongful repossession, property damages my property was harmed, stolen end up missing during the repossession, and consequential damages the repossession hurt your credit rating and has impacted my ability to keep my job majority required you must have reliable transportation not public transportation means of traveling and more. Left myself self with our support of living to buy food and more. They refuse to accept my emails that are legal form of contact in writing my statements to communicate in writing. ASK ME!
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX XXXX XXXX collection agency to inquiry about this XXXX XXXX XXXX XXXX item on my report. They said it was a bill sent from XXXX XXXX XXXX. I then contacted XXXX XXXX XXXX financial department and inquired about this Acct. After a couple of day 's of investigation, they reported back to me, that there was no proof of identity that it was me at the hospital to have a XXXX  XXXX  from my XXXX. ( See attached Document from XXXX XXXX 's ) I have never had any procedure to my XXXX. After II received the letter from XXXX XXXX XXXX, I sent it to all three credit bureaus and XXXX and XXXX XXXX removed it immediately, but Experian left it on. I have disputed this three time with Experian since, and Experian continues to let XXXX XXXX XXXX collections dictate the outcome despite the letter from XXXX XXXX 's. Can you please help me to remove this item off Experian Credit Report? 


Thank you for your consideration,
Product: Money transfer, virtual currency, or money service

Hello friend, I am seller of XXXX, I am XXXX and by obligation charge by paypal, it turns out that a few days ago paypal limits my account and ask me, some proof and fractures, sent them and it took 5 days to respond, The result was that I can no longer do business with them, that is I closed the account I can not pay to ebay the commissions, XXXX sends me messages I can not take my money because they do not leave me, I have to wait 180 days, that is a lot I have family to feed, {$4000.00} lock, help me please
Product: Credit reporting or other personal consumer reports

Im disputing information on my credit report. Pursuant to FCRA 605B Im including exactly what youre requesting. Proof of my identity, account which were involved with the theft & a copy of a completed & submitted FTC identity theft report. Im complying with the letter of the law & what youre required to have to honor my 605B request. This account need to be blocked or removed from my report. Please see this matter is attended to with the utmost urgency. 

XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I needed a new roof and went through the roofing company, which offered an option of no payments/interest for 18 months. To get this offer, I was directed to " Upgrade , Inc '' upgrade.com. If not paid off in 18 months, I would end up paying 29.49 % interest from the beginning of the loan. 

" However, note that you selected an offer where interest accrues during the Promotional Period but is waived if you pay your loan in full before the Promotional Period ends. '' The interest rate is : 29.49 % I filled out their paperwork requesting XXXX, which ended up with approximately XXXX due to overruns by the roofing company. Once the job was done, Upgrade sent me information regarding the terms and payment schedule. The payment schedule they gave me was XXXX a month, which would pay off the loan in over 33 months, not 18 months, which is required to pay off the loan with no interest. You can set up an autopayment with them for only XXXX a month. 

This doesn't seem right and is predatory. If I hadn't read carefully, I might have assumed the payment amount would pay off the loan in 18 months. 
- I wanted an 18-month loan - not a 120-month loan. 
- I requested to increase my autopayment to an amount that would pay off my loan in time, but they don't allow it. I can go online each month to make extra payments. But I prefer to use autopayments to ensure my bills are paid on time. 

They are setting people up for failure. And, unlike a credit card- they don't tell you how much you will be pay, in total, if you follow their payment schedule.
Product: Student loan

In XX/XX/XXXX, I entered into the Public Service Loan Forgiveness Program and my servicing company was XXXX. XXXX  was very easy to work with always had the most accurate information. Information regarding the number of qualifying payments was available and up to date on their website. In XX/XX/XXXX, my loans were taken over and transferred by XXXX XXXX without my request, approval or knowledge. I found out this occurred the next time I contacted XXXX. Since I am nearing retirement age, I am always checking to see what the status is of my " qualifying months ''. Every year I submit a new Employment Verification form as advised by the Department of Education. I contacted XXXX XXXX to request this information and they have NEVER been able to tell me what the number of qualifying months is. The employees who are supposed to provide customer service are anything but. They have an attitude and skirt around every question or request for information I present to them. The ONLY place you can find the qualifying number of payments is on the statement. However, the number of qualifying months KEEPS CHANGING going up and down, mostly going down and my student loan balance keeps going up. They aslo tell me they can not verify any of the payments made to XXXX  yet my account was transferred to XXXX XXXX. On XX/XX/XXXX, I contacted them because the XX/XX/XXXX Statement shows only 12 qualifying payments, however, the XX/XX/XXXX statement shows 32 qualifying payments. I thought perhaps there was an error in adding the newly approved payments from the recently submitted Employment Certification Form to the already identified 32 qualifying payments. I was told that since I requested an audit on my account ALL the payments had to be re-verified. This process has been going on since XX/XX/XXXX and they could not tell me how long it would take. I asked to speak to a manager and was basically told that's they way they do things, would not provide me any policy stating the process, did not offer to expedite the process and said this could cause my qualifying payments to do down. Now how hard is it to qualify the payments each year and then add the new qualifying payments each year they receive an Employment Certification form. It is very disenchanting when the qualifying payments becomes a moving target. I am unable to plan for my retirement not knowing how many more years I have to work so my loan will be forgiven. In the meantime, my balance keeps going up and if my qualifying payments are one short, I will owe the entire amount irregardless of what I have been paying since XX/XX/XXXX.