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

Hello these companies has been reporting fraudulent accounts. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for XXXX XXXX XXXX XXXX XXXX XXXX. I have tried numerous times to have this situation resolved with no resolutions. 
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: Credit reporting, credit repair services, or other personal consumer reports

To Whom it may concern. I have a few unauthorized things I would like to be removed from my credit report and all credit reporting companies as I am being hit with hard pulls I never applied for. The dates are XX/XX/2020, XXXX, XXXX XX/XX/2020, XXXX XX/XX/2020, XXXX XXXX XX/XX/2020. I recently applied for a XXXX  card and that's it all this other stuff is bogus or fraud. I never signed any papers. If they can show validation I'd love to see it because I never tried to do any business with above. XXXX XXXX  that's another inaccurate thing on my credit file in marks section. I will show you pictures of everything.
Product: Credit reporting or other personal consumer reports

There is inaccurate information being reported on my consumer report. Please see the attachments for further details. Thank you.
Product: Debt collection

Was contacted on XX/XX/XXXX by Synerprise Consulting Services via text regarding an outstanding balance given to this debt collector of {$510.00}. 
I wasnt aware I had an outstanding charge and I had never received communication from the hospital regarding any outstanding balance. 
I was then contacted again on XX/XX/XXXX via another text message reminding me to pay said debt. Im not sure where this is coming from and I dont believe I owe this money.
Product: Debt collection

There is a account being reported by the Merchant XXXX XXXX XXXX  Being reported on all 3 of my credit reports indicating a debt owed in the amount of {$800.00}. I never had a account with XXXX XXXX XXXX. I am a victim of identity theft this account was open fraudulently. I have filed a dispute with XXXX and XXXX, and I still DISAGREE with their investigation results. I have filed a identity theft report at identity theft.gov and I have filed a police report regarding this matter. The information of me being a victim of identity theft has been reported since 2017 to all 3 credit reporting agencies. As there is a personal statement added to my credit file. I really would appreciate it if you could REMOVE THIS FRAUDULENT ACCOUNT FROM MY REPORT it is being reported as a closed account with debt owed. {$800.00}. Please remove the account in entirety.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This letter serves as a formal dispute regarding the alleged debt you are attempting to collect. Under my rights as a consumer, I am demanding that you provide the original purchase agreement that substantiates this claim, including all terms and conditions that comply with applicable consumer protection laws. Additionally, I am requesting the Forward Flow Agreement, Chain of Assignment, Insurance Claim of Debt, and my signature agreeing to pay. If you are unable to produce this documentation, I expect this matter to be closed and any negative reporting to be removed immediately from my credit profile. 

Furthermore, I was never offered arbitration regarding this matter, which is a fundamental right under various consumer protection statutes. Your failure to provide such an option is a direct violation of fair debt collection practices and due process. Any attempt to continue pursuing this matter without proper validation will be considered an act of bad faith and will be met with legal action if necessary. 

I expect a response within 30 days from the date of this letter.
Product: Credit reporting or other personal consumer reports

When reviewing my credit report I realized that I have 2 hars inquiries that I do not recognize ( XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/year> ), I have made the corresponding reports for identity theft and I want it to be remove this information from my report.
Product: Credit card or prepaid card

On XXXX Bank of America took {$100.00} from my credit line and put it on my debit card line. After this they charged me a {$12.00} overdraft fee. 

Considering I look at my bank account every hour, I knew that my account had not dropped in the negative on XXXX/XXXX/XXXX. If one were to look at the statement, they would see this ( attached ). 

In addition to this, I never received an overdraft notice. If one were to look at my inbox, snapshot, i was notified of my " overdraft '' on XXXX/XXXX/XXXX at XXXX. In addition to me never overdrafting, this is a deceptive practice as it 's not done in a timely manner.
Product: Debt collection

I first received a letter from XXXX XXXX which listed itself as a subsidiary of XXXX XXXX XXXXt. The letter was datedXX/XX/XXXX and I received it XXXX/XXXX/XXXX. The letter stated they just acquired a debt that I owed to the tune of {$6600.00} and demanded payment. OnXX/XX/XXXX they sent an overnight XXXX letter to me stating they had made numerous attempts to contact me- I had received one letter and have never spoken to anyone on the phone ) and threatening to sue me. I sent a certified mailed request for validation and disputing that I owed them any money ( which was signed for by them on XX/XX/XXXX ). I requested a contract with my signature showing that I owe them anything at all. I then received 2 letters from them - both were dated XX/XX/XXXXhowever I received them on 2 separate dates - First I received a letter welcoming me to MCM - Midland ( no longer listing XXXX XXXX ) and stating they got the debt onXX/XX/XXXX ( previously they had given me no date ). and telling me to call to make good on paying them. Then a day later I got another letter from MCM stating they received my dispute and stating their info is correct. They enclosed a copy of an old statement from months prior from when they claim to have gotten this debt. They enclosed no contract, nothing with my signature indicating that I have any obligation to them. I have again sent them a request for something with a signature and asking for details. I believe this violates my rights under the FDCPA and FDCRA - they did report that I was disputing it but then stated it is legit without anything showing I signed. They tried to intimidate me by sending me the overnight package threatening me with litigation without even allowing me time to dispute it and then tried to cover it up by transferring it within their own company.
Product: Credit card or prepaid card

This is regarding a dispute on my Capital One card for {$250.00} on XX/XX/XXXX with merchant " XXXX ''. For this transaction, a washing machine was bought online from XXXX. After purchasing the item, a delivery date was scheduled. During the delivery, the item was no longer wanted. The reason was because the washing machine was found to be defective and did not turn on. The delivery company agreed to take the item back to the original location and issue a full refund for this defective/no longer wanted item. No refund was received from merchant so a dispute was filed with Capital One. On XX/XX/XXXX, the full amount {$250.00} was re-billed to my credit card. I do not understand why seeing as how I do NOT have the item. Furthermore, the item was defective upon receipt. Those factors combined, I expect a full refund for my {$250.00}, no more no less.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like someone from Equifax to contact me who can freeze a minor 's credit or verify a minor 's credit has been frozen. Your company has refused to freeze my minor son 's credit, and I am at the point of lodging complaints with the XXXX, my state 's attorney General, my state 's consumer protection division, the Department of Justice ( as it is federal law you are breaking ), the Federal Trade Commision, a private lawyer, and the Federal Consumer of Financial Protection Bureau simply to get a response from your company. 


I have submitted all necessary documentation multiple ( up to 5 ) times since I have been trying since XX/XX/2022 to get my minor son 's credit file frozen, and you have refused to do so. The first time I mailed in all necessary documents, I received no response from you at all. I have called you at least four times, minimum, and no one has been able to answer any questions over the phone or direct me to anyone who can help. I have mailed and faxed you all necessary documents five times and only receive form letters back telling me they can not find the file or asking me submit the exact same documents I just did. ( I have had multiple people check the documents I have sent against the form letters. ) I have also faxed you at least two times and emailed explaining the situation and asking for someone to call me back and have received no response. 

At this time, I have no idea whether you have created a file for my minor son that is not frozen and puts him at risk of identity theft, or if he has a frozen file with an incorrect address ( that he has never lived at ) that puts him at risk of identity theft with documents sent to someone else, if he has a frozen file with a correct address, or if he has no file and no freeze that puts him at risk of identity theft. 

In summary - you refuse to freeze my minor son 's credit according to the federal law. You will not answer my questions by phone, mail, or fax. You are breaking federal law, and I need someone to contact me to resolve this immediately. 

XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

in XX/XX/XXXX, New Rez took over the servicing of my mortgage. I had just requested a escrow waiver with the old servicing company and thought that the tax payment for XX/XX/XXXX was paid. I received a notice my property taxes were past due and the old servicing company said that New Rez would have paid that. New Rez said they didn't have funds to pay it because escrow was closed and XXXX bal. I went in to pay the taxes but New Rez had paid them since they were past due. New Rez then set up an escrow account. I tried to get the escrow account waived again, but New Rez refused because taxes had been past due. I accepted that although I believe that wasn't fair dur to the change of servicing causing the past due taxes. I then had my taxes reduced from {$18000.00} per year to {$4000.00} and tried to get the escrow payment reduced to reflect that. My first request for an escrow analysis and reduction was in XX/XX/XXXX I made subsequent requests every 2 months since. I have escalated it 3 times and still not corrected. I am paying {$1300.00} more per month for my escrow account than is required for over a year. My last request is dated today and they said it will be done in 30 days, but I have been told that several times before. I would like to get escrow waived if possible.
Product: Checking or savings account

I had opened Online Savings account with BMO Bank about 2 years ago. 
Before one year or so someone was trying to enter my account so I immediately drew attention of Bank and they Froze my account. I didn't know it was frozen. 
Before 10 days I had big expenses related to Hurricane and thought better to get my money from Savings.

There was message when I tried to transfer money to call BMO bank then transfer will be possible. 
Following day I called and my call eneded without any resolution as they constantly moved my call from one dept to another and eventually call was cut.

This repeated since about 8-9 days. 
Today they stopped my online access so can not see anything. 
I request you to help me get my full money back as I do not trust such stupid bank. 
I had same account with XXXX where the person who picked phone himself relieved account from froze status and they already sent me money.
Product: Debt collection

Receive robocalls asking for someone else from The Thomas Agency. The call does not provide a means to notify The Thomas Agency that the mobile number they are calling no longer belongs to whom them are calling. I have called The Thomas Agency several times to inform them of the unwanted calls, and educate them that mobile numbers are often reassigned to other people, as in my case. The Thomas Agency either does not have the technical means to address this issue, or they simply do not feel they have a responsibility to stop harassing people who are not a party to a debt collection situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. XXXX XXXX XXXX  XXXX {$14000.00} XXXX XXXX XXXX XXXX XXXX {$380.00} XXXX XXXX   XXXX {$630.00} XXXX XXXX {$670.00} XXXX XXXX {$61000.00} XXXX XXXX {$200.00} XXXX XXXX {$230.00} XXXX XXXX XXXX XXXX {$310.00} XXXX XXXX XXXX XXXX XXXX {$180.00} COLLECTIONS XXXX {$43.00} XXXX XXXX {$310.00} XXXX  XXXX {$8900.00}
Product: Credit reporting

I requested a copy of my credit report for review and found XXXX discrepancies. There is a XXXX after my name showing XXXX XXXX XXXX XXXX, and I have never used any numbers after my last name. There is also a former address that is not mine listed on my credit report that is the next address listed under my current address. The incorrect address on the report is XXXX XXXX XXXX, XXXX, IL. XXXX. This was reported on XX/XX/2012 and last reported on XXXX/XXXX/2012.
Product: Mortgage

Our Mortgage interest rate resets as of XXXX XXXX, 2015. The loan provides for XXXX years of fixed interest only payments converting to a fully amortized adjustable rate for the final XXXX years. 12 USC 1026.20 ( d ) requires a servicer to provide the borrower with a notice between XXXX days before the mortgage rate resets that includes an estimate of the new mortgage payment and other required information. We never received this required disclosure, and at the time it should have been provided we were not receiving monthly mortgage statements. Nationstar did not provide monthly statements in XXXX our of XXXX months and still has failed to provide us with a copy of the note as required by California Civil Code Section 2943 ( b ) ( 1 ) and the Deed of Trust. Today, XXXX XXXX, 2015 we did receive the Change in Interest Rate that is required XXXX days before the reset, but this document does not fulfill the requirements of the estimated notice we never received.
Product: Mortgage

I have filed a complaint as of XX/XX/2022. The company wrote back and indicated that my payments that they did research on had the wrong numbers attached to the payment. However, when I enter in my payment account numbers in properly, a " 0 '' is removed each time. As a result, I get charged a reversal fee, a late fee, and nothing is done about it. My next course of action will be through an attorney as this has been going on for over 6 months with no solution to it. I would like my reversal and late fees deleted, my account number getting entered in correctly, and a solution to this inside of 15 days. 

I have included a screenshot as of XX/XX/XXXX of my autodraft record with my correct routing and account numbers. When you save the number, for some reason, Citizens deletes one of the zeroes in the phrase. I have brought this up to a Citizens customer service rep every month, and they pass it on to a manager that doesn't get this fixed. Additionally, they won't remove my late fees because their system has a glitch.
Product: Debt collection

I canceled my service with XXXX XXXX XX/XX/22 online, confirmation number XXXX. I returned my equipment on XX/XX/22. I was told at the end of both interactions, that I would not owe any money. The next month, I noticed an autodebit payment was made to XXXX for services dated XXXX in the amount of {$83.00}, dates I didn't even have the equipment to use the service. I called XXXX and they told me " the cancellation didn't go through, '' and they would refund my money in sixty days, which I found unacceptable considering they wrongfully took this money from me. I disputed the charge with my bank and the amount was refunded to my checking account shortly after by XXXX. Weeks later, I received a refund check in the mail from XXXX in the amount of {$85.00}. I had already received the money back from my bank, and I thought that meant everything was settled, so I mailed the check back to XXXX. Then, in XXXX, I received a bill in the mail stating I owed {$83.00}. I called XXXX and spoke with XXXX different people, none of which could tell me what this bill was for. I of course did not pay this bill because my service was canceled and I did not even have the equipment for the service dates billed. XXXX has now sent this " debt '' to collections. I have disputed this with the debt collector and now apparently it's in XXXX 's hands to determine if my dispute is legitimate or not. I am not paying a debt I do not owe and I do not want this affecting my credit. I have spoken to many people who have said this exact thing has happened to them with XXXX and its appalling to me that they are getting away with this.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, a collection letter from Hunter Warfield was sent to me. Hunter Warfield added a derogatory mark on my credit report per XXXX XXXX, XXXX, XXXX  and XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt. A bill without a signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA, Hunter Warfield has violated my rights as a consumer and I am requesting legal action to delete and remove this account immediately.
Product: Debt collection

I reviewed my credit report in XXXX XXXX and noticed collection accounts that I do not recall. Therefore, I sent a validation letter requesting additional information to Commonwealth Financial. I am requesting the send me an explanation and copies of any papers that show I agreed to pay what they say I owe. They claim I owe them {$510.00}, this account appear that the amount includes fees or interest. This letter was sent XXXX XXXX, XXXX and I have not received a response to date.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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Product: Checking or savings account

I deposited a check with the amount of XXXX on XX/XX/XXXX from XXXX XXXX XXXX XXXX using the mobile app. The next day I am told my account is restricted and will close in 10 days if I don't get the check verified. I go to the physical bank with the check and they verify it is real and call XXXX XXXX to verify the check but they say the number on the check isn't verifiable. It doesn't match the number they have in their system. So they tell me to go to a physical branch with a XXXX XXXX employee to verify the check. So I go to the physical branch again on XX/XX/XXXX with an employee of XXXX XXXX, XXXX XXXX, the lady who gave me the check, and she's bring the documentation to show the check belongs to me and proof she works for XXXX XXXX. They contacted fraud protection and they said the check can't be verified that way I need to provide a verifiable number. So I contact XXXX protection again multiple times for weeks and keep providing numbers to account payable of XXXX XXXX so they can verify they check. Chase tells me their number isn't verifiable. They tell me to get the owner of the XXXX account to contact chase to verify they check. So on XX/XX/XXXX, the CFO of XXXX XXXX, XXXX XXXX, and XXXX XXXX, Account Payable, and I contact chase fraud protection to verify the check. We talk to them for over XXXX hours to verify the check and then they want to say the CFO of XXXX XXXX can't verify the check. because XXXX XXXX number isn't verifiable. XXXX asked if there is the way we can recall the check or get it back and a representative says " No, the only way to get the funds for this check is to verify it with a verifiable number ''. We asked what is a verifiable number and they said the business number that match their system. The CFO told them that XXXX has been XXXX XXXX business number for 38 years there is no other phone number. It is now XX/XX/XXXX and Chase still refuses to give me my money.
Product: Debt collection

XXXX17 received phone call after paying {$3000.00} to the agency that i owed another {$16.00}, I said i would take care of it online, a week later they called back and then called my husband asking for the {$16.00} payment. Pushing for me to pay over the phone that day. I paid it. Previously to all this, I set up payments which I paid as per the agreement, but only after I was forced into providing them my bank statements and other documents not necessary to set up payments, I told them the amount I was comfortable paying and they argued with me with unreasonable payment amounts. I felt threatened that if I did n't agree to them they would garnish my or my husband 's paychecks even though we made payments each month and even sometimes twice per month.