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

I have wriiten several letters to XXXX, XXXX, Transunion and XXXX to have public records removed and deleted from my personal credit file. The most recent letter sent was in XX/XX/2024. It has since been 30 days and l have not gotten a response. All ( XXXX ) credit bureaus fail to properly investigate my situation. I have contacted the XXXX Bankruptcy XXXX who have stated that they do not report to any credit bureau. I have uploaded a copy of the letter sent from the courts. Which l have also sent to all ( XXXX ) credit bureaus and XXXX XXXX on several occasions.Therefore the info in my credit file is inaccurate and do not comply with the FCRA 611 ( 15 U.S.C 1681 ) should be removed and deleted immediately.
Product: Checking or savings account

{$37000.00} was fraudulently taken from our checking account. The check ( pdf attached ) was counterfeit and the signature was forged. The actual check # XXXX is actually in our possession and the call numbers for the bank on top of the fraudulent check are incorrect. Still, Chase allowed the check to clear when presented from an out of state bank. We have been forced to cover this loss by drawing funds from our IRA which will count as taxable income since Chase told us they will not repay us ( IF they repay us ) for at least 60 to 90 days or more. Chase fraud department has told us they are not obligated to repay us unless Chase recovers the funds. We feel Chase should pay us the full {$37000.00} immediately with interest plus the {$35.00} wire transfer fee for the money from the IRA necessitated to cover outstanding bills. What is the purpose of a signature on file or insured accounts? The attitude on the part of the Chase fraud department is reprehensible. This matter was reported to  Chase on X/XX/17. Their letter to us dated X/XX/17 is attached here with a copy of the fraudulent check.
Product: Money transfer, virtual currency, or money service

Back in XX/XX/2023 I started talking to someone off XXXX and eventually got her XXXX information which happens to be @ XXXX. She then proceed to be pestimistic about crypto currency on crypto.com so one thing lead to another and started off a XXXX investment to make XXXX dollars a day. Which then I was tossed into the reward thing to recieve XXXX for an additional stake of XXXX. She keep pushing the issues and I got the " reward '' which then I wanted out of this. I contacted the XXXX wallet chat saying I needed to give then an additional tax which was XXXX dollars which then I proceed to pay and that was during XX/XX/2023. So I paid this tax then they needed a processing fee of XXXX to get my funds back. Which then somehow triggered a whole investigation regarding the individual that I mentioned on XX/XX/XXXX her account was involved in tax evasion and money laundry. Which locked my XXXX wallet account. They said I can pay XXXX to recieve my money in 14 days. I didn't pay the money. Fast forward XX/XX/XXXX the account was made availble and said I owed XXXX in taxes. If not paid I would'nt have access to my funds if not paid the taxes will go up. So I went on XXXX and asked for help. One of the customer support individuals on XXXX which was @ XXXX and another one which I didn't write down the information down but sent me a link call XXXX XXXX XXXX which they told me that the account got hacked and said that there is no taxes regarding this. So they told me about a rectification process to get my money back which at the time was XXXX so they said to purchase crypto to start the process. As I was making the progress they took the money and those in the chat said that the account and the wallet was hacked. They reported it and then they told me to get another XXXX  wallet to get this process started and completed. The one XXXX user I should've wrote down was being very pestimistic and trying to complete the process. Now into today I talked to XXXX XXXXXXXX cause I am a XXXX in the XXXX XXXX XXXX. The Tax expert made it more clear and apparent that this is all a scam and I got suckered into this.
Product: Debt collection

HELLO MY NAME IS XXXX XXXX AND IVE BEEN ATTEMPTING TO TRY AND RESOLVE THIS MATTER WITH AFNI, INC. PLEASE READ THE FOLLOWING NOTICE THOROUGHLY AND CAREFULLY BEFORE RESPONDING. IT IS A NOTICE. IT INFORMS YOU. IT MEANS WHAT IT SAYS. FOR THESE REASONS IT IS RECOMMENDED THAT YOU CAREFULLY CONSIDER THIS NOTICE AND RESPOND IN SUBSTANCE, WHICH MEANS ACTUALLY ADDRESSING THE POINTS RAISED HEREIN.
Product: Debt collection

On XX/XX/XXXX, a sheriff knock on my door and provide me with a Civil Summons to answer to a civil action brought against me by Midland Credit Management , INC about a Credit card balance owned on a XXXX XXXX Bank in the amount of {$2800.00} that was open back on XX/XX/XXXX under my personal information including an old address from which I had moved out on XX/XX/XXXX to which I did request a change of address at the USPS which they forward any mail that was sent to my previous address to my new address and I never receive any statement or notification from either company about a past due account that I had with then. I did try to explain to the representative from Midland credit that My personal information including my social security number had been compromised and even though I didn't file a police report about it I did set up a credit monitor that will notify me of any change on my credit including new account, collection account, closed or open account or any other change pertaining to my credit and this account had never showed on my credit report one thing I don't play around is with my credit because I know how important it's is to have good credit and if I had known about this account I would have taken care of it just like I have been taking care of the accounts on my credit report. Looking at the report that was sent to me with the summons including a XXXX credit statement with the last number of that account and it doesn't match the last four numbers of the account that was provided to me by Midland Credit Management , INC, I don't think is fair for a person that a bank just sale the information to a collection agency without notifying the individual or change account number without any notice sent out.
Product: Debt collection

XXXX   XXXX ,  XXXX  I filed a complaint with the BBB and CFPD agains t NCB Management services, Inc. I n their response to my complaint they stated they would send validation of the debt owed. They have not done so. All they have done was state they would send the required information. I am requesting the original contract, complete financial transaction history, and a copy of the letter they stated was sent in  XXXX   XXXX ,  XXXX . With out this information in a timely manne r. NCB Management serv ice is deliberately violating Fair Credit Reporting Ac t, 15 U.S.C & 1681. Under that  act all unverified accounts must be deleted. Without validation of this debt and continue reporting to the  XXXX  credit bureaus, will result in me seeking damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax multiple times by certified mail in regards to late payments showing on my credit report from  Dept of Ed  XXXX . I advised Equifax that I was never late during the times of  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX  and request them to do an investigation and correct the inaccurate information they have showing on my credit report. After 30 days of investigation Equifax respond back to me that the information was reported accurate by the creditor. I contacted the creditor which is Dept of Ed/ XXXX  in regard to late payments showing on my credit report  and Dept of Ed  XXXX  assured me that they are not showing any late payments in their records because the account was in deferment during the dates  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX . I have requested multiple times that Equifax correct the inaccurate information and they will not make the corrections to reflex on my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX email XXXX You are in Direct Violation of The Fair Credit Reporting Act ( COMENITY BANK XXXX,, has violated several of my rights 16 U.S.C 1681 section 602 A. Clearly states that I have the right to privacy.

16 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

Remove these late payment and update this account immediatety as you are in direct violation of several laws under The Fair Credit Reporting Act
Product: Credit reporting or other personal consumer reports

These inquiries are a result of identity theft, i keep mentioning this to the bureaus they have done nothing. i demand they be removed in the next 24 hours or it will result to litigation against them
Product: Credit reporting, credit repair services, or other personal consumer reports

Talked to a representative at FactorTrust on XX/XX/23 at XXXX XXXX. She explained they needed my address and I verified my address and I asked her what has the company ( FatorTrust ) done to fix the error on the credit report she said they have updated that information and just needed to verify my address. FactorTrust still has the same information no correction or removal of the information of another consumer information on the report the only thing that was updated was my address at the bottom of the report but the same information as the refuse to remove the information. I have sent my information to an attorney as I have tried to rectify the situation by including CFPB and FactorTrust
Product: Credit reporting or other personal consumer reports

I would like to dispute the following errors on my credit report ive noticed several inquiries on my credit report that I did not authorize. please investigate the following inquires which are affecting my XXXX XXXX and standing. the following are : 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 XXXXXXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

To whom it may concern, Im a co-signer on my sons private student loan for {$21000.00} signed on XX/XX/XXXX with XXXX XXXX XXXX. When I was contacted sometime in XXXX by as far as we know XXXX XXXX XXXX. I never received and documents as a co-signer that the loan was approved. And how can someone in my condition at the time being on medical leave and applying for XXXX and no retirement fund and filing for XXXX even be approved to be a co-signer? My son did not make any payments at some point for some years and the loan went into default at this point and with interest the new balance was {$24000.00} due at this point. Many of loans by this entity have been dropped due to false documentation that we can prove. I let them know I was not working and filing for XXXX, I asked them to stop calling me, however, the calls just got worse. I was told how they would garnish my wages or put lien on my house for refuse to make a payment and the person started pressuring me with credit cards I had. I had medical issues that they took advantage of. They stated if I get off the phone I was refusing to pay and that I have credit cards that could be used and a monthly payment was agreed upon. Why are they not collecting from our son for this loan? Our son remarried and changed his last name to XXXX to avoid paying this debt. He has a job with the state as well. 
We tried to make an offer to settle and it was turned down. They harassed me for 3 hours over the phone until I agreed to monthly payments of {$150.00} and made payment on XX/XX/XXXX for {$3000.00} on my credit card they said that was not acceptable. My husband then got involved as a XXXX veteran and took {$6000.00} out of his XXXX to bring the loan up to date. Then they cancelled the monthly payment agreement for {$150.00} and changed it to {$300.00} which our son could not afford. Now they are stating the last payment was in XXXX which is not true as the two payments above were made in XXXX. Then in XXXX they contacted me again to pay the balance and they were advised I was on XXXX and unemployed. Then XXXX XXXX XXXX  XXXX had me served with a summons and took me to court to put a judgement against me in XXXX. Now they want {$30000.00} to complete the loan. I never received notification that loan was even approved or payment agreements. Considering the multiple agencies trying to collect this loan I just feel Im being taken advantage of as I was only working part time and my husband did not co-sign either. 
These types of student loans are not covered under and government assistance either. All loans for college students should be included to be equal and fair to all students. 

Thanks for your time and consideration, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Payday loan, title loan, or personal loan

Hello, My loan was due on the XXXX of this month. I did not contact them until today. I was laid off at the end of XXXX and expressed that to them. My complaint is that since they were not able to contact me via phone the company will go to your home in an effort to collect. I am NOT even 30 days late. I reached out to corporate and stated that the action was unethical and to NEVER come to my home again.
Product: Credit card

XX/XX/XXXX - My bank sent the full payment due {$2600.00} ( full statement balance ). 
XX/XX/XXXX- Payment received and the due date by Citibank Best Buy XX/XX/XXXX - called to validate payment. they claim they did not receive. said I have until XXXX and not late fees or interest. It may take 7-10 business days. 
XXXX - called and spoke to XXXX in the XXXX. He said that it may take XXXX business days. He confirmed that he would credit back the {$29.00} late fee. He did not and lied to me. He said that by Monday XXXX it would be resovled. 
XXXX - got a call from Citibank from XXXX. I thought that she was calling to validate our discussions on Friday XXXX with XXXX. She had NO record of any of the notes ( per above ) and she calling to COLLECT as I was late .... really? Ended up paying {$110.00} via bank ACH to resolve while I called my bank to put a stop to the check sent. 
XXXX - call my bank to put a stop payment on check. They indicated it would put a stop on it right away. 
XXXX - called back to Citibank and paid the full remaining balance ( less late fee and interest ) - which came to {$2500.00}. Paid this via ACH. 
XXXX - My bank sent notice that XXXX cashed the original check ( {$2600.00} ) -- -- WOW. They posted the date as XXXX - interesting right!! 
XXXX - called Citibank and spoke to XXXX XXXX who was very helpful ). She said, yes, they owe me a credit now. Request ACH deposit back to my bank- NO can not do. Requested PRIORITY mailing of my refund. She said she would request but it is not in her control. Asked to speak to manager. Got XXXX. Advised him that they have no controls there. Something needs to change. I have had the card since XXXX and never had an issue in making payments. 
XX/XX/XXXX - Still no check. No follow-up on check. My account showed {$0.00} balance and check was credited on XXXX. Called back. Luckily got XXXX again. He said check was cut on XX/XX/XXXX and sent. It will take until XX/XX/XXXX to get it. Well XX/XX/XXXX is a holiday. No tracking number. No verification that I will get it. So, recheck on XX/XX/XXXX. 

This is deceptive practices. This company needs oversight and an investigation. I have impeccable credit. I sent HOURS working with them to resolve and they have no regard for the customer no really care. They take and hold your money with no regard to get it back to you timely.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit Report, leaving inaccurate or unverifiable accounts unresolved. The consumer Financial Protection Bureau has lawsuit ( CFPB ) has already filled a lawsuit against Experian, alleging systemic issues such as failing to furnish, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. these failures align with my experience, where Experience has neither corrected nor removed disputed items despite the evidence i provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the the disputed accounts, as Experian inaction Federal Law and My rights as a consumer
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings, I send several notices to Equifax regarding this account not being mines. 
On one credit report it shows it was removed than I next month it reappeared. 
Also I seem like no human being is actually reviewing my documents because there no cross references to what I demanded the creditor agency to provide to ( me ) the consumer. 
As shown in my paperwork the creditor nor did Equifax provided any response to my request my validation or proof I authorize this account to be open in my name. 


My next step is to submit a FTC identity theft and police report to the Federal Trade Commission and possibly legal action against Equifax for violation of FDCPA, FCRA, and also the alleged creditor agency for violation of Debt improvement collection act ( DICA ). 


P.S. I send three times below the unverified account to Equifax. 
There more documents I send as well. At the moment do not have it in my possession at the time. 
Thank you
Product: Mortgage

In XXXX XXXX my mortgage payment was {$770.00} ; an amount unchanged since XXXX XXXX. An increase resulting from an escrow analysis raised my mortgage payment in XXXX XXXX to {$850.00}. It was explained that this was due to taxes and insurance. Then in XXXX ( 3months later ), my mortgage increased to {$1000.00} with no notice or explanation. Upon inquiry, I was told that again this was due to taxes and insurance. I continue to try to get an explanation as it does not make sense. My taxes have not increased more than {$100.00} per year. My insurance has not changed since the last escrow analysis. How can my payment go up almost {$300.00} per month? How can I have two increases within 3months time? I received a tax delinquent notice in XXXX XXXX because the mortgage company did not pay taxes that were collected in my payments. There are penalties and fees associated that I should not be liable for. Are those fees being passed on to me? I pay my mortgage on time and in excess of the amount due each month. This increase is excessive and unexplained. I am willing to self-pay my taxes and insurance as I have more than 75 % equity in my home to resolve this escrow collection issue.
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. I need the following accounts to be updated from my file right away XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

My personal and financial information was compromised without my authorization via XXXX XXXX access to the Department of Education . 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.
Product: Debt collection

ive been divorced and separated from my ex wife XXXX, since 2007, we were not together and i did not sign or know anything about this debt, it 's been in my credit report for almost a year, ive filed a direct dispute and they did not and could not give me any information on this debt, since the persons name is XXXX, not my name XXXX, i gave them her current business address ( which she is owner of ) as well as her parents address, this is not my debt i 've asked for it to be removed, and it still has n't, i have not received anything in writing or anything stating any information on this, i contacted the hospital, they could n't give me any information because my name was not on this, i need this off my credit because its giving me a bad score and history, i have disputed it with the hospital, with the agency and with CFPB and have not heard anything on this matter, please delete from my credit
Product: Debt or credit management

I worked with Strategic financial solutions XXXX XXXX XXXX XXXX XXXX. I received an email letting me know that they had a preliminary injunction against them and I emailed asking about making additional deposits. They never responded and I placed my deposits on hold. I called them many times over the past few months and emailed customer service many times and was told to call them during normal business hours. Most times they were closed. Today they actually answered and said my account was closed as of XX/XX/year> because I stopped payments because they never responded. They settled very little and front loaded $ XXXX in fees upfront. I requested logs or communications from them because I am being sued by XXXX XXXX and I was told that they were negotiating a settlement with them. They took the money and then disappeared.
Product: Debt collection

Found that this company committed fraud against me the living person, by saying I entered into an agreement with them. The loan amount {$28000.00} it seems this was an assumed loan, but I don't know from whom is was purchased. Dated XX/XX/XXXX per copy of agreement letter received XX/XX/XXXX. The interest rate is 20.450 % extremely high.