23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX, I received a phone call from Allied Collections SE located in XXXX XXXX, NV. The young man proceeded to explain that he was attempting to collect a debt from a tow company in the amount of XXXX. I explained that his call was the first time I was aware of the collection account. I informed him that I never received a collection notice from his company providing written details of the account that also allows me to dispute the alleged ( at this point, the collection is not on my credit ). After consistently requesting that he send me the collection notice, he agrees. I explained I would like fair treatment and that I had a right to dispute the validity of the account. On or around XX/XX/XXXX, they report the account to XXXX, yet I still have not received anything in writing. I called for the second time on XX/XX/XXXX to inquire on the status of the collection notice and was told the request was documented. Still, nothing has been mailed. I was informed they completed their due diligence by mailing the first notice on XX/XX/XXXX ( the notice I never received ), and since I did not contact them to dispute the account, this is where we are. I asked the representative if I never received the initial notice, how would I know to reach out to her company- her response... she's not going to argue with me. That was a valid question. She speaks in a condescending, demeaning tone the whole time, calling me by my first name, which is extremely rude. I asked her to stop, and she attempted to hang up. I asked to speak to a manager, and she transferred me to a voicemail. I call back and talk to XXXX, who finally agrees to send out the paperwork ( which I thought the former decided to ). As a gesture of good faith, I also asked to remove the erroneous information from my credit report while I resolved the matter, and she refused to even put in the request. She told me to " keep an eye out for the letter '' I explained I have Delivery Notify by United States parcel Service, and I could see an image of my mail ; she told me that's not what she meant. After we hang up, I go through every notification that shows an image of my mail, and I do not have any mail from their company to date. The collectors a rude, dismissive and unscrupulous. 
I am not sure if this is an anomaly and an oversight, but they never sent the first r second notice. I am aware of the FDCPA protocol and other laws/guidelines they must follow as debt collectors, and they have not. Upon request, I can provide a copy of each delivery notification to date from XX/XX/XXXX to prove I never received the notice they claim they mailed. I desperately need help as this doesn't seem right, and they should be held accountable for their collection practices. I want the account removed from my XXXX and XXXX ( reported XXXX ) accounts while resolving the matter. They did not follow the proper protocol initially still won't send me paperwork, but they continue to report the collection. I care about my credit and the story my reports reflect of me ; they should not be allowed to tarnish my good name unethically.
Product: Credit card

I am the victim of identity theft. On XX/XX/2023, I received notifications from XXXX, Chase Credit Journey, and XXXX XXXX XXXX XXXX that a hard inquiry had been placed on my credit files on XX/XX/2023, by JPMCB Card. I confirmed that hard inquiries were placed my XXXX and XXXX credit reports. I never authorized these inquires. I contacted Chase Fraud Services on XX/XX/2023. I was informed that someone had applied for a Chase Freedom credit card. This was a fraudulent act that was unauthorized by me. Chase informed me that the fraudulent application had been denied. The reference number provided by Chase is XXXX. Please see the attached identity theft protection kit from Chase dated XX/XX/2023. I placed fraud alerts and later security freezes on my XXXX, XXXX, and XXXX credit reports. On XX/XX/2023, I discovered that XXXX XXXX number XXXX was fraudulently added to my XXXX and XXXX reports. Chase informed me that the fraudulent application used my former address of XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, OH XXXX ( a secure apartment building ; the mailbox must be opened with a key ) which is presently occupied by XXXX XXXX XXXX according to voter registration records. I did not, nor did I ever authorize anyone to apply on my behalf for a Chase credit card, loan, or credit line on or about XX/XX/2023. To be clear : the credit card application submitted to JPMorgan/Chase on or about XX/XX/2023, was fraudulent and unauthorized by me. The application was submitted as a result of identity theft. By letter dated XX/XX/2023, which is attached herewith, I requested that Chase forward a copy of the fraudulent application to me pursuant to the FACT Act. My request included a copy of my state drivers license, and an initial identity theft report filed with the Federal Trade Commission. My XX/XX/2023, letter was mailed on XX/XX/2023, via certified mail to the address listed on page two of the attached Chase identity theft protection kit. The certified letter was delivered to Chase on XX/XX/2023, according to the USPS. A certified mailing receipt from the USPS and delivery confirmation information from the USPS website is attached with my XX/XX/2023, letter. I have contacted Chase several times via telephone and email concerning this issue. Chase has yet to acknowledge receipt of my XX/XX/2023, letter, much less send me a copy of the fraudulent application. The application is needed to aid in prosecution. I have attached an updated report filed with the Federal Trade Commission and a report I filed with the FBI XXXX XXXX XXXX XXXX. This is a very serious matter that requires expedited processing. I need a copy of the fraudulent application to be tendered to me forthwith.
Product: Credit reporting

XXXX found identity theft occurred. An Investigation Letter will be mailed to me showing the charges made under my name and SS were fraudulent. 
I will receive a Fact Act request in the mail to fill out to obtain the details of the identity theft. 
Details of fraud. Account opened XXXX XXXX online using my social security number for purchases totaling {$920.00} under the edge program. Under the edge program items are billed to the recipient. The goods consisted of XXXX 5s iPhones and other merchandise. 
The merchandise was delivered to an address in my City and signed for. 
The unpaid items were turned into the credit card reporting agencies as delinquent XXXX XXXX 2015 for {$920.00}.
Product: Debt collection

Complaint, QWR, DVR and demand for disclosure under TILA who is the owner of the obligation who paid value for the debt. 
I demand respond from the human being, not from artificial intelligence programmed by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX who sends me illegal and perhaps criminal runaround in response to my complaints On XXXX XXXX XXXX  XXXX generated an official Tax statement where XXXX  robots said that my alleged principal is {$120000.00} and during 2024 it was XXXX {$0.00} paid for property taxes. 

In XXXX XXXX billing statements my alleged principal is {$14.00}, XXXX and {$230.00} was paid for property taxes and insurance. The actual escrow payment is {$91.00} XXXX This tax statement did not mentioned over {$350000.00} profits generated from servicing advances paid by unknown to me parties and received to unknown to me parties although these profits must be applied to my alleged principal I demand to provide me direct contact information for the accountant/ bookkeeper who is responsible for this tax statement and who has personal knowledge about all transactions and amounts allegedly due as well as about {$350000.00} profits from servicing advances between XXXX
Product: Debt collection

I had pay day loans with a place called XXXX XXXX. When I lost my job I could no longer pay what was due and I explained this to them. They at the time said they would make it a charge off. Which it did appear as a charge off. A few months later they sold the debt to XXXX XXXX ( a bottom feeding collection agency ) and they have harassed us for going on 2 years about this by calling several times a day despite us asking for communication in writing only and they continue to report this to the credit monitoring companies so it appears every month or so on our reports to knock them even lower. 

We debt was paid and we do not owe it. We took XXXX XXXX to court several times and had this dismissed. At one point we even had a lawyer sue them for making false threats of imprisonment, arrest and warrants against us and we were awarded {$1000.00} for the harassment. 

We just want this place to stop bothering us and let us clear our credit up without having them constantly hounding us and putting things on our credit report.
Product: Money transfer, virtual currency, or money service

Transaction Type : XXXX XXXX XXXX : XX/XX/2022 Amount : {$3000.00} XXXX XXXX XXXX # XXXX XXXX After falling victim for a XXXX XXXX XXXX, Bank of America was unhelpful in returning my funds which were transferred via a service which they are one of the largest shareholders of, this service being XXXX. I find it hard to believe a company who owns the service is unable to track the money via confirmation numbers back to the scammers account. Instead, they took the easy way out and rejected my claim with minimal explanation. 

Banks should be held liable for services they advertise to their own customers, including the lack of insurance on money or the lack of support in adverse financial situations such as scams. Be very wary of who you transfer money to. 

Bank of America Case number : XXXX Not only did I reach out to the bank, I also submitted an IC3 complaint with information on the scammer. This did not include a confirmation as IC3 Complaints apparently do not provide a case number, but here is the digital signature : " By digitally signing this document, I affirm that the information I provided is true and accurate to the best of my knowledge. I understand that providing false information could make me subject to fine, imprisonment, or both. ( Title 18, U.S.Code, Section 1001 ) Digital Signature : XXXX XXXX ''
Product: Money transfer, virtual currency, or money service

I am filing a complaint against CASH app ( Block, Inc. ) due to inadequate customer service and unfair practices, which violates which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions has caused significant inconvenience and financial loss and I seek appropriate redress for these violations
Product: Credit reporting or other personal consumer reports

I was compromised in XXXX, I had several inquiries XXXX my credit reports. I had accounts opened up fraudulently opened up in my name. I had been part of the XXXX breach, had a few cards opened in my name I had inquiries and a bank acct open. I also have since still been getting inquiries. During pandemic, I lost my public storage to an auction, in which I kept my personal docs. The individual who obtained my locker contents possibly had access to my ssn dob tax info etc. A XXXX XXXX XXXX bank account was opened I have recent info by XXXX as well a ChexSystems that a XXXX is still reporting on my file. I dont know much of the situation ; however, I do know that an account was fraudulently opened in my name. The expenses are being reported against me illegally also without my knowledge. This is inaccurate information. Upon inquiring with XXXX XXXX XXXX  and with my extended XXXX report and my consumer report this needs to be addressed, removed as it has caused banks to look at me as delinquent. I have spoken to XXXX from XXXX in reference to the fraud affidavit. 

I have just discovered as of recently that I had fraudulent reporting information on my ChexSystems consumer report. 
I had false reporting inaccurate information reporting on my name due to having my personal information being compromised as a result of being a victim of identity theft. 

I obtained my report, contacted ChexSystems to dispute the inaccurate information. 
I contacted ChexSystems, followed their dispute process and according to the FCRA I reported the fraud I discovered in the report. 

It dates back XXXX, and even XXXX years as it was not to my knowledge of these accounts even being in my name. 

I filed an FTC report, I also sent in the information to ChexSystems. 

Chex Systems continues to report false information on my consumer report illegally. 
They told me the date I filed the Police report, FTC reports were too far from the date of the theft. 

I was unaware of the theft until obtaining my report, so there was no way for me to have prior knowledge of this. 

Chex Systems are doing unfair practices that do not align with my rights as a consumer and are reporting fraudulent false information on my report.
Product: Credit reporting or other personal consumer reports

Today, I noticed unauthorized inquiries on my credit report, and I have no idea why. I checked my report like I usually do, but this time I saw discrepancies that seemed to appear out of nowhere. I attempted to refresh my browser to rule out a glitch, but it didnt help ; the unauthorized inquiries are still present. I need a thorough examination of the documents I provided so that I can stop worrying about this issue once and for all.
Product: Debt collection

These debts were told to me to be forgiven and yet they stay on my credit affecting me being able to get healthcare I need. A letter if hardship was sent to these companies. These circumstances were beyond my control. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

i have had a collection agency, " XXXX XXXX XXXX '', who has misrepresented my debt. Originally the three debts appeared as roughly {$800.00}, {$900.00}, and {$600.00}, but now they have combined the three into one for {$2400.00}, yet left the three uncombined on my report as well. This is illegal and i demand all be removed.
Product: Credit reporting or other personal consumer reports

My Rights Regarding Credit Reporting PAY ATTENTION : REPS OF EQUIFAX XXXX AND XXXX use common sense, Look at your respective letter attached with your company at the top. if you look at another bureaus letter the only reason you should be is comparing the shared info that was furnished. Let 's get this right guys. I need better scores to refinance my vehicle and your lack of reporting correctly is preventing that! 


I am concerned that my private information is being shared by [ XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ] and credit bureaus XXXX Equifax and XXXX without my proper consent. 

These inquiries are a product of identity theft if they aren't tied to an account, because I don't apply for anything. 

Here 's a breakdown of my rights based on the laws that have been violated in which I could use for each violation Fair Credit Reporting Act ( FCRA ) : You have the right to ensure accurate information is reported. ( 15 USC 1681c ) Credit bureaus can only share information with authorized parties with a legitimate purpose. ( 15 USC 1681b ) You can dispute any inaccurate information in your report. ( 15 USC 1681s-2 ) You can request a free credit report annually. ( XXXX XXXX XXXXXXXX  ) XXXX XXXX ( XXXX ) : Financial institutions must protect your nonpublic personal information and obtain your consent before sharing it with third parties. ( 15 USC 6801 & 6802 )
Product: Credit card

I ordered from XXXX XXXX XXXX XXXX ( XXXX  XXXX  deal with this ) After months they contacted me and told me they can not fulfil fill order - so cancel it. 


The credit company I used KLANA have had the refund but not refunded me as promised. 

In the time it took waiting for my order I'd paid 2 of the 3 installments totalling XXXX I am still waiting for this to be refunded. 
I received an email to say they had sorted it but still after waiting no refund has arrived. 
Their customer service is poor Bizarrely there seems to be an XXXX charge still on. Although I received non of my order.
Product: Mortgage

XXXX built home. 
XXXX Applied for heloc Divorced ~ XXXX ex husband ordered to pay Heloc and judge removed me from responsibility. 
XXXX ex husband committed suicide. Probate lawyer hired. Probate lawyer admitted failure to see heloc balance and it was not paid XXXX life insurance policy ) I was not aware of this debt nor was his heirs. We leaned if it when my home went to Forclosure. 
XXXX Specialized Loan Services sends agent to photograph my home. I advice I do not have a mortgage. I call XXXX number for info. I advice ex spouse is deceased. They refused to discuss why they were photographing my house. I send death certificate, still will not tell me anything or give me payment info. I sent certified documents. Probate info. Signed documents from executor of estate allowing me to discuss debt. They still do not allow me to have info. 
XXXX I got served with foreclosure. 
I was under the impression the heloc was closed at time of divorce. I do not feel my house should have went to foreclosure. Please help me save my home.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXXXXXX XXXX XXXX  - Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX - Account Number : XXXX Account Name XXXX XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX  - Account Number : XXXX  Account Name : XXXX XXXX XXXX - Account Number : XXXX
Product: Mortgage

I have been patiently waiting for some response from Wells Fargo. I got my home back in late XXXX ( redemption ). Since then, I have been given NO confirmation to the home being mine again. I even without having a new loan number ( I was told by XXXX I would be given a new loan number ) made a house payment in XXXX. In fear to getting behind on payments again. I was told to NOT do this XXXX XXXX XXXX XXXX because any payments made could be in limbo while awaiting a new loan number. I have received yet again several letters from Wells Fargo on how they are working on details and should have everything resolved by a certain date, only to receive more letters stating the same with a latter date. I ca n't sleep, and all I do is worry because my home was foreclosed on during a re-modification period back in XXXX. I was successful in XXXX to get my home back, with a large amount due in late XXXX, I wired the money from my bank to Wells Fargo, and to this very date I have not received in notification from Wells Fargo, but XXXX did receive a letter ( email ) from CFPB and that my home was mine. I need some clarification, a loan number, an amount owed. I ca n't go on with this waiting in limbo, it has since affected my health. This is XXXX XXXX and I am no closer to understanding what I should or should not be doing since wiring the money in XXXX. I have taxes that will be do, and homeowners insurance that XXXX are included in my mortgage. I can send you copies of every letter I have received from them, Wells Fargo, and how the date gets pushed back. Can you please help me with getting the proper help in clarifying this matter. Thank you for you time again in this matter. Account Number XXXX Case Number with cfpb XXXX and XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Upon reviewing my consumer reports. I discovered some instances of late payments on an account for which I had in past. I have always maintained timely payments. Consumer Reporting Agencies play a crucial role in accuracy. Reporting consumers information. It is imperative that this information be reported with utmost accuracy. I have never missed a payment on the following account. XXXX XXXX XXXX # XXXX I request a thorough investigation again into these discrepancies and urge you to provide evidence. Such as statements, demonstrating the lateness of these payments. If unable to furnish such proof. I demand that these payments or account be removed from consumer report if no proof is provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any inaccurate address and inquiries that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX , GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX , TN XXXX XXXX XXXX GA XX/XX/XXXX XXXX XXXX GA XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

When I researched my credit report, I discovered that some of the information was incorrect. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require XXXX, Equifax and XXXX to authenticate these accounts. ( A ). It is not allowed to classify these reporting accounts as unconfirmed information without providing proof within the legal timeframe. Sections 609 ( a ) ( 1 ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverified accounts below : XXXX XXXX  **** Balance Owed : {$260.00} XXXX XXXX  **** Balance Owed : {$1500.00} XXXX XXXX Balance Owed : {$19000.00} XXXX XXXXXXXX Balance Owed : {$1200.00} XXXX XXXXXXXX Balance Owed : {$1300.00} XXXX XXXX Balance Owed : {$19000.00}
Product: Credit card or prepaid card

USAA credit card held a credit card payment for 7 days. In the mean time, auto-draft bills from the credit card account got declined and USAA had no resolution on and offered no work around.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am currently under the CARES ACT of XX/XX/2020 for my FHA Mortgage loan with XXXX & XXXX. Based on the guidelines under this act, my credit is not supposed to be effective. However, XXXX & XXXX is showing the amount of Past Due Payments which has affected my credit score. Per the guidelines, the credit account should show as current. The rep I spoke with at XXXX & XXXX stated because this is a forbearance and they have to report the past due amounts. This should be an exception in this case based on CARES guideline. This is unacceptable if you read the CARES ACT guidelines.