23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I sent Experian a letter ( letter attached ) requesting the investigation procedure for several different items which are listed in the attached letter and below. Experian received this letter on XXXX/XXXX/2015 ( delivery confirmation attached ). It has now passed the 15 day time limit for them to have provided the procedure. They are now in NON COMPLIANCE. Please see FCRA laws below. 
Items requested for Investigation Procedure:XXXX. XXXX Collections Account # : XXXX. XXXX Collections Account # : XXXX. XXXX Collections Account # : XXXX. XXXX Collections Account # : XXXX. XXXX XXXX XXXX Account # : XXXXAccording to FCRA XXXX XXXX XXXX XXXX sub-paragraph ( a ) ( XXXX ) : A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( XXXX ) ( B ) ( XXXX ) by not later than 15 days after receiving a request from the consumer for that description. 

Noncompliance- FCRA XXXX XXXX XXXX XXXX Sub-paragraph ( a ) XXXX ( A ) : ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of -- ( XXXX ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}
Product: Debt collection

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Block and Deletion of Fraudulent Accounts Pursuant to 15 U.S.C. 1681c-2 ( a ) Dear Equifax Disputes Team, I am writing to formally notify you that I am a victim of identity theft, which has resulted in fraudulent accounts being opened in my name without my consent. I request that all fraudulent accounts be blocked and deleted from my credit report, as required under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681c-2 ( a ).

The following accounts have been identified as
fraudulent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To support my claim, I have included the following documentation : A copy of the identity theft report I filed with law enforcement agency, e.g., FTC.

A copy of my government-issued identification for verification purposes.

A copy of a recent utility bill to confirm my current address.

I request that you : 1. Block all fraudulent accounts identified in this letter.

2. Permanently delete these accounts from my credit report.

3. Notify any creditors involved about the fraudulent nature of these accounts.

4. Provide me with written confirmation once the fraudulent accounts have been removed.

I expect a prompt investigation and resolution of this matter, as required by law.

Thank you for your immediate attention to this matter. I look forward to receiving confirmation that my credit report has been corrected accordingly. 
Sincerely, XXXX XXXX Enclosures : Copy of Identity Theft Report Copy of Government-Issued ID Proof of Address
Product: Debt collection

I have already gone through this once and transunion found the information to be accurate that was provided from XXXX XXXX XXXX This is lying, FRAUD and ILLEGAL. The ones involved deserve prison time from the XXXX XXXX to ability XXXX XXXX  and the ones that handled it with TransUnion all deserve PRISON time and heavy fines. The saying is the lessons paid for you dont forget. You all need to remember this where you dont do others this way. You are lazy, reckless and stupid. Thieves. This is wrong. I want it off my credit now, not showing resolved but I want it nonexistent
Product: Mortgage

I was denied a modification on numerous requests. The modification would be granted and revoked days later. I paid towards a modification but the house was put into foreclosure and my family had to move.
Product: Bank account or service

My mother and I open a bank account at Bank of America in our name only on XXXX/XXXX/2015. In XXXX XXXX, Texas. I tried to use the card and the transaction was not approved. So I returned to the bank to check what the problem was. I was told by the bank representative that the accout was closed on XXXX/XXXX/2015 at a Bank of America in XXXX, Texas. So the representative call the location and they stated that it was closed by my Mother in person. My sister inlaw lives in XXXX and she worked at that location. The representative that was helping me told the rep at the other location that she helped us open the account and that my mother was here in XXXX XXXX, and than representive went to her manager and they did nothing about it. I also explain that my sister inlaw does have my mothers drivers license because my mother did live with her at one time. 
On XXXX XXXX, 2015 I took my mother out of the XXXX and brought her to my home in XXXX XXXX. Since Bank of America here in XXXX XXXX would not do anything about it. I did filed a fraud complaint with Bank of American. The complaint was taken down incorrectly. So I filed a second one and they still stated that my mother went in to the bank and closed the account. Bank of America refuses to view the video so it can be proven that my mother was not present when the account was closed. I strongly believe that my sister lnlaw new the person that help her close the account, because she did work there, that would be the only way the account could be closed. As I said before my mother was not there. I am at witts end with all of the actions of Bank of America. The amount taken out of the account was {$1000.00}. 
Adult Protective Service has already placed Identity theft notice on my mother 's social scurity number. Because my sister In-law has taken monies out of the account that my mother had with Bank of America for years that was the reason we openned up another account. 
Please Help
Product: Credit reporting, credit repair services, or other personal consumer reports

i notice a collection on my credit report from HEAD MERCANTILE CO I ON XXXX XXXX that are sharing my content without my consent and violating the Hippa law as well. i am asking for the alleged debt to be validated and cease and desist all collection activity until other wise proven cause I'm having great stress behind this negative information reporting on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been out of school for 10 years and paid off my student loan balance in XX/XX/2020. All of my student loans have been serviced by Fedloan Servicing. All 3 credit agencies ( XXXX, XXXX, and XXXX  ) show over 40 student loan accounts ( some of them from my XXXX degree which were paid off over 15 years ago ) which adversely impact my credit score. I am trying to buy a home and this is negatively impacting me. Many of the " accounts '' are loans with the same date. They won't fix this, and I submitted complaints with all 3 credit agencies. Their interface times out after 5 mins so it's impossible to go line by line to ask them to fix this issue. I have a XXXX balance and neither party thinks its their job to do anything. Fedloan Servicing, whom I called weeks ago, tells me to contact the credit agency, and the credit agencies tell me to contact the servicer to have the loan removed. Now I am stuck in the middle. This is outrageous.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax improperly used my credit report as a credit reporting agency. 

Their faulty security has exposed my identifying personal and financial information to hackers. This has exposed me to potential identity and credit card theft.
Product: Debt collection

AFFILIATE ASSET SOLUTIONS based in Georgia has been repeatedly calling me at XXXX XXXX almost every single day for weeks now if not longer. I live in XXXX but used to live in XXXX which is where I had XXXX and my medical debt is based. A number with a XXXX area code calls almost every morning at XXXX XXXX. I have filed a complaint previously but must have filled something out wrong because the company claims they can't find an account with my name, yet they call me every day from multiple numbers. All with XXXX numbers, but their response was that they are based in XXXX so it couldn't be them making the calls and I must be mistaking them with another company called Affiliate Asset Solutions debt collection. But I have done research and found on multiple websites dozens and dozens of complaints against this company, along with corresponding phone numbers they have called from and there are XXXX numbers listed. Also when I call the numbers back they go to a recording telling me the company is AFFILIATE ASSET SOLUTIONS DEBT COLLECTION. The calls need to stop. I lost my job due to the pandemic and I can't pay my medical debts right now so they're really just wasting their time.
Product: Mortgage

XXXX XXXX transferred my loan to Specialized Loan Servicing on approximately XXXX/XXXX/XXXX. At the time my mortgage payment with XXXX XXXX was XXXX. It was broken down as follows : P & I {$1000.00} and Escrow of {$450.00}. The escrow amount amount transferred to SLS was {$4200.00}. Specialized loan services did not send me any statements so I contacted them to start paying my mortgage. They insist that the amount of my mortgage payment is {$1900.00}. {$1000.00} in P & I and {$870.00} in escrow. This would calculate out to over XXXX a year in taxes. As my property tax is only XXXX and my insurance premium is {$670.00}, the amount that they are trying to escrow is twice what it should be. I mailed a payment for {$1400.00} in XXXX which was cashed by SLS in late XXXX. In XXXX I made a payment of XXXX to make sure that there was enough funds in escrow to cover my taxes. I also made two payments in XXXX XXXX in the amount of XXXX. I have finally gained access to my online account in XXXX to find out that SLS is keeping all payments of XXXX in an unapplied account and calling my account delinquent. I have made numerous calls and have spent hours on the phone with various SLS staff and have been disconnected, put on indefinite hold, and told that a ticket has been opened only to call back to find that there is no ticket for the problem. In XXXX alone I spoke with XXXX in executive services Empl # XXXX on XXXX ; he was going to call and update me the following week. He did not. I spoke with XXXX in executive services Empl # XXXX on XXXX/XXXX/XXXX and was told they are still looking into it. I spoke with XXXX in Executive Services Empl # XXXX and was told to write an e-mail to XXXXXXXXXXXX I did write that e-mail and have not had any response. She also told me that SLS would not accept any payment less than XXXX. I honestly do not know how to move forward with this to get this resolved. I received a new escrow analysis showing my monthly mortgage payment beginning XXXX XXXX will be XXXX. However this does not resolve the fact that SLS is not applying my current payments to my mortgage. In closing I received a letter from SLS today stating that my mortgage is seriously delinquent due to the fact that they are holding all of my payments in an unapplied fund account. This is negatively affecting my credit rating and by not applying my payments correctly, the interest I paid in XXXX is incorrect as well as the fact that I am accruing additional interest on my mortgage. Additionally they are holding a cushion of {$840.00} in addition to the {$840.00} which is XXXX of the estimated payments for my anticipated escrow. Any assistance that you can give me would be greatly appreciated. It has been a nightmare dealing with SLS.
Product: Debt collection

In 2023, American Express denied my request ( s ) for Hardship, to lower or stop interest, and to stop contacting my ex-husband of 15 years about my account that he had never been listed on/associated with. They also suggested I borrow money from my parents to help make payments, both of whom are dead. 

On XX/XX/2023, I received a letter from American Express stating that my " Total Balance Due '' was {$2.00}, XXXX I received a letter dated XX/XX/2023 from American Express stating that they had transferred my account to XXXX XXXX XXXX XXXX for collections. This letter stated the balance was {$21000.00} I received a phone call on or around XX/XX/2023 from XXXX XXXX XXXX XXXX regarding a debt I owed. I disputed this debt immediately via letter and requested information about the final statement, any payments received since the final statement, and other information needed to validate the debt was mine. 

I was not provided any documentation from XXXX XXXX XXXX XXXX that proved the debt was valid/that I could verify it was mine. They provided no response to my dispute letter. 

Days later I received a letter dated XX/XX/2023, from the Law Office of XXXX XXXX, with a debt collection letter for the same American Express debt. I sent a letter of dispute, stating that 10 days prior I had received a letter from a different debt collector who was located in California, and whom American Express had notified me in writing was whom they had transferred my account to for collections. I explained my confusion. I requested the date he received the account and the amount it was at when he received it, and I was never provided that information, which was important as I had been told directly via letter from American Express only 12 days earlier that XXXX XXXX XXXX XXXX had been transferred my debt, not XXXX XXXX. 

I was served with a lawsuit from American Express with XXXX communication aside from the debt collection letter.
Product: Debt collection

XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Victoria Secret XXXX Hundreds of letters have been sent to these creditors. Over 15 letters sent thru CFPB. Now all 3 credit bureaus have requested the XXXX  Security Breach paperwork and a recent police report, see attached. All are NOT MY DEBT! Weve asked dozens of times for an application with my signature. Weve asked where were they opened ... .online is all Im told. Thats it. All they say is its verified cause we know my name address d.o.b. and social. But refuse to send or give us any further info. Please remove from my credit as these debts are stopping me from moving forward, and this debt has never ever been mine. Im sending letters now 3 yrs. I was involved with the XXXX  security Breach.
Product: Credit card or prepaid card

Despite numerous written requests, Bank of America will not close my credit card account.
Product: Money transfer, virtual currency, or money service

Money was fraudulently withdrawn from my Bank of America checking account using the online service XXXX. This happened on XX/XX/2021. XXXX fraudulent withdraws happened that day for a total amount of {$3300.00}. 

That happened around XXXX XXXX that XX/XX/XXXX. I noticed that my phone lost all service for about 30 min. Just after I got my phone service back, I also received an email alert saying I successfully sent money twice through XXXX. 
I immediately called my bank to raise the issue. They froze the account right the way, which prevented third attempt from the same hacker. 
I filled a claim. But bank of America refused to refund my money, stating that the money was regularly transferred using a One Time Code Sent to my phone. This is not true since I did not have the One-Time code set for my account at that time. 
When I contacted my phone service, they confirmed that suspicious activities happened on my phone account on that day and around that time and they provided me with my phone records that show intrusive device using my phone number on that day. 
Despite those evidence I forwarded to Bank of America ; the bank still concluded they will not refund my money. 
I applied all security measured the bank recommended, and still XXXX subsequent hacking happened on my account, for what I called the bank who intervened to stop fraudulent money withdraw. I eventually decided to close my account with the bank. 
I attached to this claim : - My phone records on that date - Bank of America resolution letter XXXX Bank of America Supporting documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. Here are the items that are erroneous in my file and need investigation XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX Balance : - ; XXXX XXXX XXXX XXXX XXXX Balance XXXX {$13000.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : - ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$11000.00} ; XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$2200.00} ; XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/2021 ; XXXX XXXX Inquired on XX/XX/2021.
Product: Student loan

I saw an ad on XXXX that was talking about Loan Forgiveness, I called them and they consolidated my loans but charged me XXXX I am only paying {$39.00} dollars a month but this does n't really make sense to me. They told me in 4 years of paying my school loans would be forgiven. Is there any way I can recover some or all of what I have paid them if they are in fact scamming me?
Product: Bank account or service

In 2014 I got married to a man I had been dating who was a XXXX citizen. Shortly after we got married, he asked me to add him to my Wells Fargo checking account to help him establish his residency and our relationship for his XXXX application. I agreed, believing that if I was allowed to add him to my account, that I would be allowed to take him off, should our marriage not work out. Well, the marriage did not work out, and when I called Wells Fargo to have him taken off, I was told I needed to go into the branch. I went into the branch and tried to take him off of the account, and was told I would have to close the account. I told them I did not want to do that. It was then suggested to me that I open a second account and transfer the funds from my main account into the second account so that he could not access the funds. I decided to try this option, since I did not want to close my account. However, he would wait until funds were deposited into the original account and immediately start spending. Sometimes I had to have money in that account because there are automatic withdrawals ( my car payment, loan payments, attorney payments, etc. ) which then sometimes would " bounce '' because i had transferred only the amount of the automatic debit, and then he would make charges on his card and there would not be enough money to cover the payments that I anticipated making. This cost me fees and late payment charges. Like I said, I can not close the account, because I have direct deposits and automated debits connected to this account which have been set up since I had the account and I do n't even know who to contact or how to get the information to set that up with a new account. And I do not wish to go through all of the time and aggravation doing so. Had I been told that I would not ever be able to remove him from my account, I would never have added him in the first place. Had it been suggested that I open a second account and just add him to that XXXX ( before, rather than after the fact! ) I would have done that. 

Since my husband and I have separated, he has repeatedly obtained cards to this account, and spent approximately {$4000.00} of my money -- since he has never, not in the entire course of our marriage, nor since our separation, deposited any money into this account. He has gone into the branch and taken money out, he has had debit cards ( in his name! ) sent to his new address without my knowledge, he has done all of this despite the fact that we are separated and there is a restraining order currently in place and divorce papers have been filed. I demand that Wells Fargo assist me in REMOVING him from my account and that they allow me to keep the bank account that I have had with them for many years. I do n't know what else to do other than ask for the assistance of the CFPB in this matter. Thank you for your help.
Product: Credit reporting

XXXX PHONE NUMBER XXXX XXXX I IN XXXX SENT BACK THERE CELL PHONE TO XXXX, INDIANA THEY CHARGED ME WITH A 2 YEAR CONTRACTAND NO ONE HAS MY LAST EMPLOYER GENERAL DEVICES COMPANY FROM XXXX TO XXXX MY INCOME SOURCE IS XXXX XXXX SINCE XXXX/XXXX/XXXX
Product: Money transfer, virtual currency, or money service

Hello, I was a victim of online hackers. They hacked my bank account and Coinbase account. The hackers transferred thousands of dollars in funds to Coinbase then Coinbase approved over 20 something fraudulent transactions in less than minutes, they transferred funds to XXXX XXXX and neither companies will respond by help desk nor email. Coinbase will not answer any emails, they dont have a live customer support. We have yet to receive a response from Coinbase. 

Coinbase failed to secure my account against unauthorized crypto activity and has no protocols in place to flag fraudulent transactions, they still have not even froze my account. This has been a very frustrating and emotionally depressive situation, I lost all my hard earned savings in minutes. I read online about possibly joining a Class Action lawsuit against Coinbase. Please if theres any info you can provide some legal advice I would greatly appreciate getting on a call with someone who can help. 

Thank you XXXX XXXX
Product: Debt collection

XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX RE : Notice of Violation of the Fair Debt Collection Practices Act Dear XXXX XXXX XXXX, I am writing to formally notify you that your attempts to collect on the alleged debt referenced above are in violation of the Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX XXXX. If you are not aware this entire claim is regulated by an arbitration agreement with XXXX XXXX, which clearly stipulates that any dispute must be resolved through arbitration due to the binding agreement. To date there has been no arbitration proceedings, however, your firm previously filed a suit in the XXXX XXXX XXXX XXXX which was dismissed. As a direct result of that this is considered a material breach of the arbitration terms listed in the original agreement acknowledged by all involved parties. I confidently assert that you have no right to collect on this alleged debt. 

I am writing this as I humbly seek to have this discrepancy resolved both promptly and amicably. 

With that, my demands are as follows : XXXX. You must promptly notify any credit reporting agency to remove all information and/or tradelines associated with this account. I request a written confirmation of that communication to be sent to the address you have on file ; XXXX. You must withdraw any further proceeding from the XXXX XXXX XXXX XXXX. 
XXXX. A settlement agreement that I may retain for my records. 
XXXX. Monetary compensation in the amount of {$1000.00}. 

While I do not desire or anticipate that your negligence may force me to purse further legal action, that option will be explored. In the event that needs to happen, you are subject to a significant increase in demands to cover damages, attorney fees, and more. I am sure a company of your caliber does not look to unreasonably be exposed to those routes. 

Thank you for your immediate attention to this matter. We look forward to resolving this issue promptly.