23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

My mortgage company : Equity Prime Mortgage bounced a {$40000.00} check in my XXXX XXXX Account on XX/XX/2021. They advised that the original check issued from my insurance company : XXXX XXXX XXXX XXXX was not endorsed properly and was returned in THEIR bank. On XX/XX/XXXX, I resent the mortgage company a new check from the insurance company that cleared! Last Friday, the mortgage company released ONLY A {$10000.00} check as part of my claim!!! I need the full {$40000.00} reissued to rectify the overdraft, fees, and restrictions on my bank account. Its been 2 months!
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent activity associated with my identity : 1. Fraudulent Account : XXXX XXXX XXXX ( XXXX XXXX. XXXX ), I have never had any association with XXXX XXXX XXXX. Please delete this account as it affects my creditworthiness. 2. A hard inquiry XXXX XXXX XX/XX/2022 appears on my credit report, this inquiry is unauthorized, it is fraudulent, please remove from my credit report. 3. Fraudulent Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX, I never lived at this address, this address does not belong to me in a shape or form, please remove this address because it is fraudulent.
Product: Credit reporting or other personal consumer reports

My line of credit Account number : XXXX : from XXXXXXXX XXXX, Balance is " XXXX '' Not over $ XXXX, paid off. please see Attachment from XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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. 

My birthday is not "XX/XX/XXXX'' My birthday is XX/XX/1996 and the all of the addresses on my report are incorrect. My current address is XXXXXX/XX/XXXX XXXX XXXX.
Product: Mortgage

On XX/XX/2020 my mortgage servicer charged me an appraisal fee of {$170.00}. I did not request this appraisal. My mortgage servicer used this appraisal to raise my monthly payment. The STOLE the  {$170.00} from me by simply taking it out of my monthly payment without even telling me that they were going to do this. I contact Shellpoint and complained and they removed the fee. Now Ive looked at my XXXX statement, and now the charge is listed on my mortgage statement AND included in the amount. So I cant simply make my mortgage payment without paying the {$170.00} because it will be deemed as a Partial payment and be recorded as a late payment. Shellpoint has already raised my mortgage for the 3rd time since acquiring my loan 12 months ago. My other two previous mortgage servicers never raises my mortgage, it was {$1800.00}. Shellpoint has raised my payment to {$2000.00}. Why do they keep raising my mortgage? I want Shellpoint to permanently remove the {$170.00} appraisal fee, as I did not request or authorized them to appraise my home!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX - Says its in collections for {$2900.00}. With XXXX  XXXX XXXX XXXX - Same thing - With XXXX  XXXX XXXX {$890.00} Says it is in Collections With XXXX  Pioneer Capitol Sol -  {$99.00} Says it is in Collections With XXXX These accouts are definitely not mine
Product: Debt collection

On Approx XX/XX/XXXX, I sent NCB MANAGEMENT SERVICES INC, A request for validation made pursuant to the ( FDCPA ), 15 U.S.C sub section 1692 ( G ) Section 809 ( B ). for the account in question. This request letter was received XX/XX/XXXX, via Certified mailing # XXXX XXXX XXXX XXXX XXXX postal service as third-party witness by NCB management Services INC. NCB INC, has exhausted the statues and limitations on the administrative process and good faith doctrine. The debt has not been proven that I am legally obligated to pay therefore, it is fraud and identify theft. NCB MANAGEMENT SERVICES INC does not have my consent to trade my personal property/information Via Privacy act 1974. 
I reserve my rights UCC 1-308.
Product: Credit card or prepaid card

I made a furniture purchase with XXXX XXXX and the purchase amount was financed with a promotional offer through Synchrony Bank. The amount of the purchase resulted in both a pre-authorization and an authorization, both in exactly the same amount. I have notified Synchrony Bank multiple times over the past four months to have the pre-authorization removed, but they have refused to do anything about this error and generally just provide poorly written system messages with unhelpful documentation such as a pre-authorization typically drops off after 7-10 days. OK, but what happens when it doesn't? Is all of the responsibility on the consumer to figure this out or take the risk that the pre-authorization will never actually be authorized and/or lose access to previously approved credit because the pre-authorization amount is reducing available credit?
Product: Credit reporting or other personal consumer reports

XXXX  XXXX credit card will not delete a closed account from my credit report on all bureaus even after it is XXXX  years and XXXX months in age, and they did not uphold their XXXX insurance agreement after I became permanently XXXX. I had been cleared by their collection agency case XXXX in XXXX, and told I no longer was being pursued legally, nor was I responsible for this debt of XXXX due to me being totally and permanently XXXX from injuries sustained in military combat, and the XXXX insurance. My report even shows the account was closed XX/XX/2019, however, it shows a last payment date of XX/XX/2019. So those dates are very wrong as well. I have been disputing this for years now to get this negative account deleted to no avail. This is severely impacting my credit negatively, and is unfair. Can someone please investigate this matter as I would like to avoid unnecessary future legal fees.
Product: Debt collection

In XXXX XXXX, I had XXXX work completed at XXXX XXXX. I agreed to a payment plan before my procedure and paid all money owed. In XXXX XXXX, I received a bill with no explanation of services telling me I owed money. I contacted the company asking why. I was informed they miscalculated the money I owed for the procedure and I needed to pay it back. They also charged my account for medical procedure my husband had done. I asked them to remove my husbands debt as I am not liable. My XXXX XXXX XXXX and I needed a new procedure to fix this mistake on their part. This was XXXX XXXX. I was told this procedure was free due to it being an error on the XXXX part. I was told I was not liable for any money owed. They still charged me regardless, and informed me I had to pay my husbands debt. I am not liable for this money owed since I have no explanation of services, and the 2 nd procedure was not my liability. Im also not liable for medical bills for someone else. I have not been contacted by any debt collectors or received bills to my house ; however, a collections is now on my credit report. I would like fornthis to be removed.
Product: Debt collection

In XXXX 2020, it came to my attention that I have a couple fraudulent collections on my credit report. 
1st account : {$3300.00} 2nd account : {$6500.00} I immediately filed a police report XXXX XXXX 2020, afterwards I filed a complaint with the Federal Trade Commission, and XXXX XXXX XXXX 

At that time I hired a credit repair organization, assuming they may have more tools at their despoil than I did. 

I reached out to account holder number 1. 
I was told to send all my complaints to their fraud department. I did so, on XXXX XXXX 2020. Almost immediately, the agency came back, without a proper investigation, stated the allege debt belonged to me. This was done without acknowledging I had to file a police report, and a ID theft report with the FTC. 
Not once, had the agency provided proof or verification in their claim. 

I have requested on multiple occasions : XXXX, XXXX, and present of a copy of this loan agreement that they are standing by. I asked them to provide verification of my actual signature, a copy of my government identification, evidence that I in fact sent all this to the company, in requests of a " loan. '' To date, I haven't received anything to that effect. I have not received any for of communication, not through email, phone, or USPS stating the allege debt was in default and or in collections. There has been virtually no communication.
Product: Mortgage

paid SLS {$2300.00} check # XXXX XX/XX/year> for XXXX mortgage paid XXXX {$2300.00} check # XXXX XX/XX/year> for May mortgage paid XXXX {$2300.00} check # XXXX XX/XX/year> for XXXX mortgage XXXX changed to Shellpoint paid Shellpoint {$2300.00} check # XXXX XX/XX/year> for XXXX mortgage paid Shellpoint {$2300.00} check # XXXX XX/XX/year> for XXXX mortgage paid Shellpoint {$2300.00} check # XXXX XX/XX/year> for XXXX mortgage Mailed to Shellpoint {$2300.00} check # XXXX XX/XX/year> for XXXX mortgage Phone conversations to Shellpoint to try to fix their problem : spoke to XXXX XXXX XX/XX/year> spoke to XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year>
Product: Debt collection

I was seen in an ER XX/XX/XXXX and received hospital bills shortly after my visit which I paid ( even confirmed through my insurance app that all bills were paid ). In XXXX of XXXX, I started to receive an additional bill for {$68.00} from a Physician for that visit. Thinking it was taken care of and the bill was a mistake I did not inquire about the bill until XXXX when I received another notice. I expressed to the company ( with website XXXX  ) my concerns on receiving a bill so long after my services were thought to have been paid. I informed them I would need to get further clarification from my insurance as to why this bill took so long for approval ect. It took longer than anticipated to get information from my insurance. When I went to pay my bill on XX/XX/XXXX I saw it was sent to a collections company HRRG. I called XXXX XXXX pay to paid the bill and expressed my discontent about it being sent to collection when they should have seen in the records that I was in the process of trying to receive additional information. They assured me that my credit would not be affected and that I should not receive any further communication about the bill. A week later I received a phone call from HRRG about the debt and was understandably upset the associate made a note that the debt was paid and told me I would not be contacted again. Today on XX/XX/XXXX I received another call from HRRG. I did not trust the number that called since it was a local number and asked for the company number. I then called the number, ( XXXX ) XXXX, to figure out why I was still being harassed about a bill that I paid on XX/XX/XXXX. The person I spoke with said they saw I had a do not call on my account, but they had no proof the bill was paid and that I needed to provide them proof in writing or call the original company ( XXXX ) to have them remove the bill from collections for them to no longer call me. So, I called the company I paid and they said the bill was paid and to just let the collections company know so they would not call back. I informed them that I had done so and still received a second call.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX, 2024 XXXX XXXX XXXX XXXX XXXX XXXX OHIO XXXX XXXX Re : Dispute of Alleged Debt Dear Sir/Madam, Please be advised that this letter serves as a formal dispute of the alleged debt referenced in your correspondence and sent to me in relation to an account that you claim I owe. I am writing to request full validation of the debt as permitted by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g Sec. 809 ( b ). This letter is not a refusal to pay the debt, but a request for proper documentation proving that I owe the amount you claim.

As per my rights under the FDCPA, I request that you provide the following information and documentation : The name of the original creditor on the alleged debt, and the corresponding account number.

The original amount owed, including a full, itemized payment history starting from the date the debt was first incurred with the original creditor.

Legal documentation that proves I am legally obligated to pay this debt.

The original date of delinquency on this account.

A copy of the agreement granting you the authority to collect this alleged debt, or proof of assignment or transfer of the debt to your agency.

The amount you paid to acquire this debt and how the current balance owed was calculated.

Please provide all requested documents within 30 days of receipt of this letter, and please do so via certified mail. Failure to provide the requested documentation will result in the immediate removal of any claim against me and the corresponding entry from my credit profile.

Additionally, I am formally notifying you that you do not have my consent to contact me through any means other than in writing, and you do not have my authorization to access, possess, or report any of my private information. Any such unauthorized actions are considered a violation of my rights and may constitute aggravated identity theft under applicable law. Furthermore, I did not grant you permission to report my information to any credit reporting agency. I demand that you cease reporting this information immediately until full validation has been completed.

Under the Fair Credit Reporting Act ( FCRA ), I expect that you will flag this account as disputed with the credit bureaus during the validation process. You are also required to cease reporting this information to any credit reporting agency while the dispute is ongoing.

Please be advised that a copy of this letter has been forwarded to the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and all three national credit reporting agencies ( XXXX, XXXX, and XXXX ) to initiate their own investigations concurrently with your review.

If I do not receive the requested validation within the specified 30 days, I will take appropriate action, including filing complaints with the FTC, CFPB, and relevant state authorities. Additionally, I reserve the right to pursue private civil action for damages caused by this matter.

Thank you for your attention to this matter.

Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

Global recovery group calls several times a day, usually repeatedly in a row. They also leave threatening messages about finding out where I work and coming to my house. I have requested an address for debt validation and the man who calls me refuses to give me an address. I have asked repeatedly for a letter to be sent to my house and the caller refuses. He emailed me a letter even though I requested something in writing more than once. The letter says the company is global recovery group and also says the current creditor is XXXX XXXX XXXX. So I have no real information on who I 'm suppose to respond to. The call wo n't tell me his last name. The messages I receive are from a woman named XXXX who states I 'm going to be served with a claim at home or at work. Still, all requests for written communication or an address to send a certified letter are refused. They continue to call my husband and my parents house after I requested them to stop
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Bank # XXXX and XXXX XXXX Bank # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I would just make a brief statement. My Identity has been stolen from me, there has been two accounts that was opened in my name without any consent being given. I am not aware of who's responsible for the items but the items doesn't belong to me. I am asking that these items gets completely removed from my report.
Product: Credit reporting or other personal consumer reports

Every time that I file a dispute the results are always the same., verified or declared updated when it's never updated and this has been ongoing for the past 7 years or better! I've undoubtedly been XXXX by these 3 reporting agencies and kept deliberately from just access to obtain better credit it makes these companies obsolete by their criminal intent against the public!
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 


XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  XXXX Account Number : XXXX Delete this account. 


XXXX. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX Account Number : XXXX Delete this account. 


XXXX. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


XXXX. 15 U.S. CODE 1681Q - OBTAINING INFORMATION UNDER FALSE XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


XXXX there is some inaccurate information reporting ABSOLUTE RESOLUTIONS I Account Number : XXXX Please remove it from my credit report. 


XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS CREDIT XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Debt collection

TO WHOM

IT MAY CONCERN : 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. I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete t
he items as soon as possible.
Product: Debt collection

I have contacted the company on numerous occasions in reference to this debt. 

However, the company is verifying this debt as mine with a simple bill statement. Not only is that not proper verification, its important to mention I have sent the company over a copy of my police report as well for identity theft. 

Portfolio Recovery {$900.00} Account number : XXXX
Product: Student loan

Companies involved : Great Lakes Borrower Services and Nelnet. 

XX/XX/XXXX - This is related to another complaint against Great Lakes. Their reply was that this matter was out of their hands since it's Nelnet 's debt. 

XX/XX/XXXX - I received a paid in full email from Great Lakes. It was a XXXX XXXX. XXXX ref number : XXXX. XX/XX/XXXX - With the Biden loan forgiveness program, I called Great Lakes to look into getting a refund on the below amounts. Refunded Refund ID Reason for Refund {$5300.00} XXXX REFUND BEING MADE DUE TO BORROWER 'S REQUEST TO HAVE FUNDS RETURNED. {$2000.00} XXXX REFUND BEING MADE DUE TO BORROWER 'S REQUEST TO HAVE FUNDS RETURNED. The Great Lakes customer service representative stated that they can refund the account that made the payment, and I would be receiving a " balance '' for that amount, but that was just normal protocol, and I would not have to pay that amount back. XX/XX/XXXX - I received an email which stated that my debt was being sold to Nelnet and the email requested that I setup an account so I could service my debt through Nelnet. I ignored the email since Great Lakes told me that the debt amount was essentially a placeholder, and I did not have to pay it back. XX/XX/XXXX - I received a phone call from Nelnet saying I must sign up for a new account in order to service the debt. I asked why I need an account for a placeholder amount that I don't need to pay back. Nelnet replied and said I have an outstanding balance of {$7300.00} that I would need to pay back pending the outcome of the legislation/appeal related to Biden loan forgiveness plan and the supreme court ruling . I called Great Lakes to clarify, and they confirmed the above from Nelnet. I explained that on XX/XX/XXXX, the customer service representative said the amount does not need to be paid back, to which they replied " we're sorry that they incorrectly explained that to you. '' I would like to have that debt alleviated, if I had known this was the case, I would have just left the debt paid in full and not pursue any type of forgiveness.
Product: Debt collection

Hello, my name is XXXX XXXX XXXX, and 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 this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible. 
Based on, 15 U.S. Code 1681 B- Permissible purposes of consumer reports subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other 15 U.S. Code 1681C-2- a consumer reporting agency shall block the reporting of 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. It's been more than 30 days and you as the credit reporting agencies are in VIOLATION of this law because I am a victim of identity theft! Please remove these accounts as soon as possible!
Product: Checking or savings account

I received a promotion to open an account at Key Bank. I opened the account and I was told that if I used the debit card monthly or received ACH deposits the account would be free. I never received my debit card and could not use it to waive the monthly fee. But I did get monthly ACH deposits but was charged a $ XXXX  monthly fee three times, once in XX/XX/2020, XX/XX/2020 and XX/XX/2020. The monthly fee charges stopped in XX/XX/2020. I have contacted Key Bank and they said they will send another debit card. They have not reversed the three $ XXXX  monthly fees.