23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

This is my second year in this new home. The mortgage company said the escrow was wrong and raised my mortgage by {$400.00} then on top of that they placed forced place flood insurance on my home at a very high amount when I already had flood insurance. I called my agent they sent them the flood policy they gave me at {$500.00} less they never updated it or changed it. this mortgage company has raised my mortgage payment 3times making it difficult for me to afford my mortgage. I contacted my property appraisers office they sent me 2 letters saying I qualified for $ 5o, ooo homestead exception and what my taxes will be they refuse to update my escrow even with 2 letters from the county on letterhead and authorized signatures.They also have one of my mortgage payments in suspense of {$1200.00} they will not apply to anything just sitting there for 5 months every time I call them they open new tickets but nothings gets done. No one calls me emails me nothing gets applied or updated. My mortage payments keeps increasing and they keep sending me foreclosure letters. I have called several times asking to speak to a supervisor I cant get anything done.all while they hold on to an additional {$1200.00} and then charge me more late fees and property inspection fees for pre foreclosure.
Product: Credit reporting or other personal consumer reports

Recently reviewed credit report and noticed some unknown addresses and accounts. Please see attached file of my FTC report. please remove addresses : XXXX XXXX XXXX, XXXX Ga XXXX & XXXX XXXX XXXX, XXXX Georgia XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an Inquiry shown on my report from XXXX. I didn't give this entity permission to pull my credit. I didn't engage them in any way. I will like this removed from my credit history.
Product: Debt collection

Collection company harassing with Robo calls that come in 3 + times per day. 
this not a legitimate debt Company name is XXXX XXXX and XXXX and XXXX Call from the following number XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is no longer in active state it expires XX/XX/20 and should be removed from my act. Consumer still have active on the account as open charge off and account again should be closed and removed. Thank you
Product: Checking or savings account

My debit card was used in Florida to withdraw {$2000.00} from my Wells Fargo account. My account was hacked, a claim was filed with the bank. They claim it was not a valid claim and dismissed it. I dont have {$2000.00} to lose. Im a XXXX  XXXX.
Product: Debt collection

United Auto Credit account # XXXX has been charged off, according to the IRS a charged off account is not considered debt it a profit loss for a creditor or financial institution and income for a consumer. and con file a 1099 C as well.

United Auto Credit filed a 1099 C but I the consumer didn't receive a copy of the 1099 C.

furthermore a charge off should not be reported as debt on a consumer report because the IRS states that its considered income and income is not reported on a consumer report therefor a creditor or financial institution is committing fraud.
Product: Debt collection

AARGON Collection Agency XXXX is now continuing to harass me via my cell phone for a {$150.00} debt that was paid to another agency, XXXX XXXX XXXX XXXX on XXXX/XXXX/2015 through their XXXX XXXX XXXX XXXX XXXX payment website. The original debtor is XXXX XXXX Hospital XXXX. I have already filed a complaint against both XXXX XXXX XXXX and XXXX XXXX Hospital in XXXX 2015 for this very same problem. Please refer to the following CFPB case number : XXXX. Either XXXX & XXXX and/or XXXX XXXX Hospital has now sold this note to AARGON instead of acknowledging the fact that they have been paid as of XXXX XXXX, 2015. I also received a bill dated XXXX/XXXX/2015 from AARGON still showing an amount owed of {$150.00} to XXXX XXXX Hospital. The harassment from XXXX XXXX XXXX has stopped but it seems to me that XXXX XXXX Hospital continues to break the law by trying to collect on a debt that has already been paid for.
Product: Credit reporting, credit repair services, or other personal consumer reports

Toyota Motor Credit XXXX {$25000.00} - Account is closed XXXX XXXX XXXX {$22000.00} - Account is closed XXXX XXXX XXXX XXXX XXXX XXXX XXXX account ( not mine ) XXXX XXXX XXXX {$28000.00} - Account closed
Product: Credit reporting or other personal consumer reports

I have identified inaccurate information on my credit report that has not been corrected despite multiple disputes submitted to XXXX, XXXX, and Equifax. The information reported is incorrect, and the credit bureaus have continued to verify it as accurate without conducting a thorough investigation, which is required under the Fair Credit Reporting Act ( FCRA ). This failure to investigate properly and correct the inaccuracies violates sections 611 and 607 of the FCRA, which require that only accurate and verifiable information be included on credit reports.

I have attached documentation proving that the information is inaccurate, and I am requesting that this information be removed immediately. The continued reporting of false information is detrimental to my credit and represents noncompliance with federal law. I expect this matter to be addressed promptly and for my credit report to be updated accordingly.
Product: Debt collection

My insurance company already paid this bill but for some reason it 's still on my report
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote a letter about accounts that may be found in my credit file that were erroneous and inaccurate not long ago, and I'm disappointed that they're still there. I do not verify such accounts, which is a violation of the Fair Credit Reporting Act 's US Code 1681 Accuracy and Fairness in Credit Reporting.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/delete any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the deleting of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission. 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 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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I am writing once more to express my perplexity regarding your credit bureau 's handling of the investigation into the fraudulent accounts on my credit report. 

I have also directly contacted the company associated with these accounts, and they have confirmed the removal of the accounts. Therefore, I am puzzled as to why these accounts are still being reported by your bureau. 

As a credit bureau, you are legally mandated to ensure the accuracy and timeliness of your records. Failing to remove these fraudulent accounts not only violates this obligation but also exposes me to further harm. 
As you are aware, I have submitted the required XXXX report to the XXXX XXXX XXXX regarding these fraudulents accounts, and following this submission, XXXX and XXXX have removed these accounts from their records. 

Accounts in Question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

They said nail holes and other holes in walls. We had no other holes in walls. Damage in pantry no damage in pantry. They said we owe on utilities. I signed in to utilities we owe XXXX. Dog urine on living room rug we had vinyl floors in living room. The bedrooms had rugs we lived there over 7 years I understand by laws they have to be replaced. Spots on Walls normal wear and tear. They said the stove was dirty it was spotless I have a picture of that and a lot more
Product: Checking or savings account

I noticed a fraudulent activity from XXXX XXXX which is linked with TD Bank system. I never opened an account with XXXX XXXX through TD Bank XXXX XXXX. This is an identity theft issue. There were unauthorized payments to my XXXXXXXX XXXX account from XX/XX/XXXX to XX/XX/XXXX. For example, the payments were withdrawn every month in the amount of {$61.00}, {$35.00}, and {$31.00}. I thought they were payments for my phone carrier bill. But they were not. Someone used my identity to pay the unknown product I did not authorize. The total amount XXXX XXXX charged to my XXXXXXXX XXXX  account is approximately over {$2100.00}. Therefore, I closed my XXXX checking account. 

On XX/XX/XXXX, I received a letter from TD Retail Card Services. It said " This letter is in response to your report of a fraudulently opened account in your name. We have closed the above referenced account to prevent its future use. You will not be responsible for any purchases made on this account. '' But the company opened another account in my name to receive remaining payments for purchases made by the identity theft. On XX/XX/XXXX, they company mailed me another letter saying " Please be advised, due to the unauthorized transaction, account ending in XXXX was closed for your security, and a new account number ending in XXXX was established. Please refer to your next billing statement for your account number and minimum monthly payment. '' This is fraudulent because I never requested to open another account after I noticed the unauthorized transactions in my XXXX bank account. This doesn't make sense at all. 

Today, XXXX XXXX keep sending bills with late fee charge to make payments for the remaining balance of {$380.00} due by XX/XX/XXXX. The company continue sending bills after they acknowledged its fraudulently charged payments of approximately XXXX XXXX This is fraud. I have no reason to receive bills from XXXX XXXX and XXXX XXXX XXXX XXXX. 

I have attached all the files of fraudulently charged payments in my closed XXXX bank account. I also attached all the documents received from XXXX XXXX and XXXX XXXX XXXX XXXX.
Product: Debt collection

I am the victim of ID Theft. Someone opened a XXXX  account using my personal information. I did not request or authorize this account. The account was sent to a collection agency for an Amount of $ 1,855.97due to non-payment. At the request of XXXX, a police report was uploaded into their portal on XX/XX/2022. We have received verbal confirmation that the fraud team completed their investigation and marked the account fraudulent on the same day. I have not yet received written confirmation of the fraud, and the account has not been pulled back from the collection agency. My advocate has spoken with several XXXX supervisors who have promised to follow up on this issue and have the account pulled back from collections. Two months later, this still has not been done, and the collection agency still has the account in their office.
Product: Credit reporting, credit repair services, or other personal consumer reports

H & R Accounts XXXX they said they got my information from some other company which is wrong and plus I told them its not me she said so Im still gon na pay for it and hung the phone up in my face just rude and they keep calling me. I need help with this matter asap. XXXX XXXX solution XXXX once again his account is not mines tried to contact them and correct it and I get no help from them once again a third party bought my information.
Product: Debt collection

This item showed up on my credit report .I have never had a contract with them not have I ever received an itemized bill from day one or a contract that they own this.i have no signed contract with them.
Product: Debt collection

On XXXX XXXX, 2015 I received a letter from XXXX XXXX threatening to garnish my wages if I did n't make payment arrangements to settle an old account, {$5500.00}. I spoke to XXXX XXXX, account manager, of XXXX XXXX , XXXX and he informed me that I needed to pay XXXX % before I could make any arrangements. I said I did n't have that amount of money and he insisted I contact my bank, or another bank, and request a debt consolidation loan ; failure to do so would require them to garnish my wages. My credit report shows this account as closed, owning XXXX. I contacted legal services and told to contact you.
Product: Credit card or prepaid card

I accidentally transacted on a fake website on XX/XX/2020 for an amount of {$240.00} and I immediately called Citibank to cancel the pending transaction on XX/XX/2020 but the Bank employee told me that this will be handled by dispute. Initially, Citibank asked me to dispute the transaction and after multiple calls with Citibank, they refuse to reverse this transaction. I have sent a letter detailing out the scam as well but Citibank refused to reverse despite months of investigation. The fake website which I had accidentally transacted did not send any confirmation of the transaction. The fake website did not send the goods which was purchased either. Citibank is not protecting its customers from such fraudulent transactions.
Product: Checking or savings account

This is exploitation of the poor and XXXX with regards to what my bank is doing to me! They deducted a settlement agreement of {$140.00} from my checking account on XX/XX/20 for a debt that was owed to XXXX XXXX XXXX and XXXX XXXX XXXX. The two companies both claimed that they never received the payment. Banner Bank is worse than XXXX  XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having trouble removing a fraud alert that was put on XXXX. I called XXXX on XX/XX/2019 and spoke to " XXXX '' she stated that she was a supervisor. I requested the fraud alert to be removed. She stated that she was successful in removing the fraud alert. 
On XX/XX/2019 I received a notice from XXXX they stated " at my request they have added an extended alert to the credit report and that it would remain on my file for 7 seven years. 
I called XXXX XX/XX/19 and spoke with XXXX XXXX he stated that Euqifax told them to add the fraud alert again on XX/XX/2019. My file number for the removal for Transunion XX/XX/2019 is XXXX. I requested he send me a letter stating that it has been removed he refused. 
I called Equifax on XX/XX/2019 the confirmation number is XXXX. Received a letter from XXXX XX/XX/2019 that they added and extended fraud alert for 7 more years
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello. This complaint is about the unverified late payments as well as suspicious transactions in my credit report that I have no idea of. It has been almost a year since i started writing the bureaus, informing them of my situation but it seems that they do not want to take action.
Product: Debt collection

I.C.Systen, Inc has violated my privacy rights with aggravated identity theft by reporting NEGATIVE information about me to third-party consumer reporting agencies without my consent. This is considered harassment and per 15 USC 1692d ( 3 ), can not advertise debts to coerce me into paying them. 

Each violation applied : {$8000.00} due for each violation. 

VIOLATIONS : - 15 USC 1681a ( 2 ) ( A ) ( i ) - 15 USC 1681b ( a ) ( 2 ) - 15 USC 1681n - 15 USC 1681o - 15 USC 6802 - 18 USC 894 - 15 USC 1692d ( 3 ) - 15 USC 1693I I am seeking {$8000.00} in damages due to the MULTIPLE violations that you have acted on. This has triggered pain and suffering by emotional distress, risking my livelihood, mental health, and physical health. 

As stated above, I.C. System, Inc has violated me with aggravated identity theft. 
I can not be forced to waive my rights as a condition of 15 USC 1693I. I have the right to opt out of non-affiliated third-party reporting. I.C. System, Inc must disclose my right to opt out and has committed fraud, which has no statute of limitations
Product: Debt collection

XX/XX/2020, A past employee, XXXX XXXX, deposited his paycheck from my business, using mobile banking. The same day, XXXX XXXX went to a check cashing store and cashed the check. When XXXX XXXX XXXX XXXX presented the check for deposit, it was denied. 
XXXX XXXX XXXX XXXX has been sending me letters and copies of statues on commercial codes, that I am responsible to make the check good, plus fees. 
I have denied their claim, stating that XXXX XXXX, the original bearer of the check, who first came into possession of the check, deposited the his original check. 
I have sent XXXX XXXX XXXX XXXX banking contact information for means to resolve their issue, but they still pursue me. I made a recorded and written statements for them not to call me or send letters for mean of collection, but they still do. 
I am advised by my bank that if XXXX XXXX XXXX XXXX had done their due diligence at the time of the transaction, their check verify, would have denied the approval. Per XXXX XXXX, CA, XX/XX/2020, XXXX XXXX XXXX XXXX XXXX has all the copies of letters, emails & checks. 
AFTER this is reviewed, if needed, I will be happy to forward copies of correspondence & attachments. 
I want them to stop trying to collect on a debt I, my business, does not owe. 
And I want a letter that they resend their claim.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 Experian reported that I had used 130 % of my credit on my XXXX XXXX credit card account. I got in contact with Experian after speaking to XXXX XXXX XXXX XXXX XXXX and he said that Experian was reporting the account inaccurately. Then again on XX/XX/2024 they went and said that I had used 176 % of my credit which was inaccurate again. I gave an open line of credit with XXXX XXXX  and can use up to {$1000.00} if I wanted to. I dont know where Experian is getting those numbers from but it seems like they are doing something wrong from what I was told by XXXX XXXX XXXX XXXX XXXX representative. I need them to fix this issue once and for all and give me my points back. I went from XXXX to XXXX in 2 months. I gave 4 other cards and I never use more than 10 % the most on any of them. I need Experian to correct their mistakes please. You know how important credit can become when youre trying to get a loan and other credit cards. Those things can hurt you in the long run. On top of that they are a company that is outsourced and sometimes I cant even understand the people I speak with.
Product: Money transfer, virtual currency, or money service

I took out an auto loan through Chrysler Capital in XX/XX/XXXX. I have paid monthly installments ( {$350.00} ) over the last 4 years and on XX/XX/XXXX I sent my final installment via a guaranteed cashiers cheque to settle my auto loan to the value of {$13.00} XXXX. My balance was due on the XX/XX/XXXX The cheque was sent via registered mail and as a result I received confirmation that the check had been received and signed for. 

on XX/XX/XXXX I called to follow up on my payment, a Chrysler Capital customer services agent informed me that they had lost the cheque and requested that I send the front and back of the cheque as well as the confirmation of delivery. This information was sent on 3 separate occasions and I have called weekly to follow up on the status of my payment. 

on XX/XX/XXXX I received a letter in the post dated XX/XX/XXXX stating that I need to return my vehicle to the dealership as I have not settled my auto loan, it outlined that I need to return the vehicle within 10 days of the date of the letter ( XX/XX/XXXX ) to avoid my vehicle being repossessed On the XX/XX/XXXX I called Chrysler Capital to follow up on the letter as I wanted to outline that my check was in query. I was assured that there were notes within the system outlining that they were in the process of locating my check furthermore they requested that I resend a copy of my check via fax once more to stop further action from being taken. They also outlined that it would take 24 - 48 hours for my fax to be available for their view on my file. this was outlined each time I sent a fax on the XX/XX/XXXX I called as a follow up to ensure once more that they had received proof of my check as well as proof of the check being delivered however this time after having sent them the information three times they outlined that the information that they had requested three times prior was in fact not sufficient enough. 

they outlined that I need to contact the bank to determine in Chrysler Capital had endorsed the check, I followed up with my bank who outlined that due to the funds being in Chrysler Capitals name, and technically not in my account they could not provide me with that information. They outlined that 90 days would need to lapse from the date of the check being issued to provide any information about a potential endorsement or reissue. for all intents and purpose the funds are in Chrysler Capitals name and in the instance they have lost the check, they would need to declare that to the bank for the release of the funds available to them. 

I currently have received notice based on the letter that if they have not yet located or cleared my check and I have not yet returned my vehicle that they will recover my debt by means of repossessing my vehicle despite having sent a check and issued payment at my end.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good morning. I want us to help me fix a problem with my banking. I got scam and I report that to my bank I deal with, but it seems like XXXX report me for something I did not commit. I am innocent, and any bank do not want to deal with me because of that. So I need help to fix that please. Thank you, I really need help.
Product: Payday loan, title loan, or personal loan

I have already paid my loan with Cash Time as of XX/XX/2020 yet I noticed that theyre still calling me and they tried to debt my debit card again. I have a receipt showing my balance is XXXX but I got an alert this morning that XXXX XXXX there was an attempted debit for {$39.00} and then yesterday they called me again. So Cash Time was pretty convenient to get a loan but their collection practice is pretty bad even if youre a day late theyll call and harass and email over and over again. But like I mentioned this loans already paid off so they have no reason to be calling and no reason to be trying to debit my checking account again.
Product: Credit reporting or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 


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