23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was contacted multiple ( 3 or more times per day ) for at least 30 days by Nation Wide Recovery Services. They were very unprofessional and I thought it was a scam. The representatives spoke broken english, barely intelligible, had a poor phone connection so I could not understand them, called from multiple different zip codes, and asked me for my personal information without explaining the purpose of the call. I have never received anything in writing from this company, they refused to email or mail me any information as to what the debt was from, and only responded by asking me more personal information. The debt was charged to me by mistake, but I was ignoring these harassing calls because they came off so professional, I thought it was scammers. The agent threatened to have his supervisor call me on two occasions. I still do not have any detailed information telling me what this debt was for. 
The debt is due to a visit to XXXX XXXX XXXX in XXXX of XXXX. I checked in but left before I was seen by the Dr . Apparently XXXX uses XXXX  XXXX to bill for the ER. When I called XXXX they gave me the number for XXXX  XXXX ( XXXX ). I called XXXX  and the billing department stated that sometimes that happens and she would submit my file for review to verify that no charges should have been incurred, and I should call back in a week. I lost the number and called XXXX, they would not give me any contact info because XXXX  changes phone numbers so much that XXXX  requested they not give out any contact info to patients. I have tried reaching out online to XXXX  to get someone to contact me and get this resolved but have not had a response.
Product: Credit card or prepaid card

My full legal name is XXXX XXXX XXXX. Someone named XXXX XXXX used my social security number to open a credit card with XXXX 's on XX/XX/2018 and made a purchase of {$1200.00}. This was illegal. I don't know this person. I have filed a identify theft report with the Police Department. I have opened a dispute with Bloomingdale 's Fraud Investigation Department. However, the Credit card issuer Bloomingdale 's Fraud Investigation Department XXXX XXXX XXXX, XXXX OH XXXX informed me that I am responsible for the charges on this authorized credit card. I have spent many months to revolve this issue with the issuer. I followed the instruction given to me by their Fraud department. I sent them my police report, proof of identify and Social security card. My social security card and ID clearly indicate I am not this person name " XXXX XXXX ''. Unfortunately, the credit issuer wouldn't help me to resolve this issue. I am really desperate. I have exhausted all the available help I could find. I am a low incomer. I could not afford to pay for this outrageous charge. Please advise me what should I do to to resolve this issue and further prevent someone steal my identify for their financial gain.
Product: Debt collection

Date : XXXX/XXXX/XXXX Attention : XXXX XXXX XXXX Customer Service XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX From : XXXX  Regarding 2 Accounts Numbers Below ... Accounts XXXX XXXX XXXX & XXXX XXXX Time after time again I have asked / request in witting a complete full statement from your company with your company heading which since from XX/XX/XXXX up until XX/XX/XXXX I have never been in receive of not been as after the request has been given and submitted by your employees : 1 )  XXXX Employee ID # XXXX 2 ) XXXX Supervisor ID # XXXX My Request has been submitted time & time again for the past FEW years and never have I XXXX ever been able to receive a bill via mail from you .. I know ask that if possible can YOU PLEASE mail me out ALL FULL STATEMENTS FROM DATE : XX/XX/XXXX UNTIL DATE : XX/XX/XXXX Even if able give me access back to the web site of your company computer system where I can obtain them and print the billing statements out myself PLEASE I BEG of you for the 100000 TIMES Since XX/XX/XXXX!!
You have CLOSED my account and NOT given me access to pay YOU for the OUTSTANDING AMOUNTS which you have SOLD off to another company for COLLECTIONS!! Your behavior is very bothersome to me as a citizen of the United States and I know for a fact that I have No Knowledge of any outstanding Debt that You Claim I owe YOU!! Beings that YOUR COMPANY XXXX XXXX XXXX HAS NEVER MAILED ME OUT ANY STATEMENTS TO MY MAILING ADDRESS .. JUST Recently, after your rep walking threw to gain access NOW YOU 'VE BLOCKED me from access the account on your web site!! ALL I HAVE BEEN TOLD IS THAT PAY ON LINE VIA ACH.. directly from my computer to your web site!! I am begging YOU XXXX XXXX XXXX to please give me the statements that you say you sent to me and my request of for ( COPIES of ALL STATEMENTS PLEASE from XX/XX/XXXX too XX/XX/XXXX PLEASE!!! Please send ALL statements as soon as possible and I will be more than happy to pay off what you claim I owe you ... .. NO WORRIES AT ALL!! Please Mail Me Proof of ALL Statements from XX/XX/XXXX too XX/XX/XXXX Thank You Kindly Respectfully : XXXX  cc : XXXX XXXX XXXX XXXX XXXX cc : XXXX XXXX XXXX XXXX cc : XXXX XXXX XXXX cc : * XXXX XXXX XXXX XXXX XXXX MCM XXXX XXXX cc : MIDLAND FUNDING , LLC & MIDLAND CREDIT MANAGEMENT, INC cc : XXXX # XXXX MCM ACCOUNT # XXXX / Document Types Request : Chargeoffstatemnet cc : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX MN XXXX
Product: Checking or savings account

On the XXXX of XX/XX/2021 my husbands card was stolen and used in XXXX  at an XXXX. We reported the fraud on our account to Navy federal credit union they told us it was going to take five days before we could get our money back and today the XXXX or XX/XX/2021 we called them and they proceeded to tell me it wont be back into the account for another ten days and then tells us that the only throng they can do is issue a credit for XXXX to our account that we would have to pay back. So now I owe them the money that should of been in my account anyways. They say they are all about customer service but they are not its very upsetting being lied to me o over and over again about how long my money will be given back. Im the only one working in my family and I have three little girls at home to have to feed and by diapers for ... if they wouldnt have lied I could of at least tried to borrow money til my claim was closed but they told me Id get my money back in 5 days well here we are 7 days later and I still havent seen my money. Im very disappointed with this credit union and how they have handled this whole situation. They have zero respect for customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit report, I discovered several inquiries that I did not authorize. These unauthorized inquiries have the potential to negatively impact my creditworthiness and financial well-being. They are also violating my rights under the Fair Credit Reporting Act. 

I have already taken the initial steps by contacting the credit reporting agencies involved to dispute these inquiries. Despite my efforts, the unauthorized inquiries remain on my credit report. I have listed the inquiries and the bureaus they are reporting to below. I have also attached my identity theft report. 

XXXX : XXXX XXXX XX/XX/2021 XXXX XXXX XXXX  XX/XX/2021 XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax : 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

I noticed a car loan on my credit from Credit Acceptance Co. I never purchased a car from this creditor. I contacted the creditor and told them that I never purchased a car from them. They stated that it was done in a different state. I have never been in that state. Now they are reporting late payments on my credit. I sent them an FTC FRAUD AFFIDAVIT and informed them that this is fraud. They refuse to remove this rom my credit knowing there is a car out there in my name through them and IT IS FRAUD
Product: Credit reporting, credit repair services, or other personal consumer reports

Was a victim of identity theft and have submitted the documents to have the items removed to the following credit reporting agencies, XXXX, XXXX and Experian. An auto loan was obtained from XXXX XXXX. A credit card was obtained from XXXX which is the Military Star Card, I was never in the military or affiliated with the military. 
An account was established with XXXX XXXX. Several payday loans were taken out from a company named XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked for this account to be investigated for accuracy multiple times with XXXX XXXX and all 3 credit bureaus and it always comes back that the investigation is complete and comes back verified ... .They did not conduct a investigation at allllllllll ... .if they did they would notice all of the inaccuracies in the reporting ... 

this account is reporting as a charge off but its also reporting as an open account..i have attached a tri merge report for proof ... this is a violation account type is reporting differently in all 3 bureaus date of last active is different across the board I demand that this account be deleted from my report due the violations and them not conducting a proper investigation as they should per the law
Product: Credit reporting or other personal consumer reports

" I reviewed my consumer report and informed your agency on XX/XX/year> about the items I disputed. Despite this, the issue remains unresolved in a manner that is fair and equitable to me as required by the FCRA. I sent a notice to your agency, including a FTC Identity Theft Report, and also filed a complaint with the Consumer Financial Protection Bureau CFPB. With this letter I have also included a XXXX XXXXXXXX to further substantiate my claim. 

Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

Your agency has clearly refused to follow the law and honor my previous request so I am requesting a reinvestigation and demanding your agency to explain your METHOD OF VERIFICATION in verifying these items, pursuant to the Fair Credit. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX : XXXX & XXXX BANK XXXX XXXX : {$580.00} Equifax XXXX XXXX & XXXX BANK XXXX XXXX : {$580.00} XXXX : XXXX & XXXX BANK XXXX XXXX : {$580.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Neltnet, I would like to see the accounting records on the loans that you are accusing me of owing. Are you aware that it 's illegal to give out a loan if interest is being charged without having an insurance policy against the loan. I am aware of my rights and the statue of limitations in my state as a borrower. According to The Consumer Credit Act of 1974, it gives the credit consumer a legal process by which to proceed if he/she feels as if their rights have been or are being violated! At this point I feel that you are accusing me to be the owner of the loan accounts listed on my credit file. I feel that my rights are violated in several ways. Accusing a consumer of an unknown debt and misuse of ones credit can turn into a big problem. It is impossible for a creditor to verify a consumers debt attempting to verbally verifying the debt with a credit bureau. The debt was deleted several months ago and it was reinstated back on my credit file just recently. No documents we 're sent over to the address I have on file for the creditor. The creditor nor any credit bureaus attempted to contact me during this incident until I sent over police report documents, certified letters, etc.
Product: Mortgage

I wanted to know when PMI is removed from my loan. I checked consumer finance & read that PMI should be dropped once my loan had reached 78 % of what the value of home was @ time of purchase. I called BOA & received a denial letter stating that their requirement is 75 % of the loan amount rather than the value of home.My home was valued {$20000.00} more than we bought home. Then they told me that I could have my home reappraised to prove it did n't lose value. When I called on XXXX different occasions, I kept asking why they do it based on loan amount rather than value & what good does an appraisal do if it 's based on loan amount? XXXX Rep told me the appraisal would n't really help my situation. So my next question was, why was a {$600.00} appraisal even suggested- it would have been an expensive waste of time. XXXX Reps agreed with me, but never answered XXXX. Why is it based on loan amount & not value and why XXXX instead of XXXX. XXXX. Why was the appraisal suggested if it was n't going to benefit my situation. I 'm very frustrated that they have different rules and extremely upset that they suggested a costly and non beneficial appraisal.
Product: Credit reporting or other personal consumer reports

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also, update the following account to reflect no late payments : - XXXX  # XXXX On XX/XX/XXXX, my credit score dropped unjustly from XXXX to XXXX. I have submitted multiple disputes and a revised XXXX Theft complaint. Despite my XXXX  years of diligent credit monitoring and expert legal assistance, I am experiencing discriminatory treatment from Equifax due to my status as a minority XXXX XXXX XXXX  This situation violates the Fair Credit Reporting Act ( FCRA ). 

Equifax 's investigation failed to address these issues adequately, dismissing my concerns and siding with creditors. This is unacceptable and violates my rights under the FCRA. Equifax 's bias towards paying creditors over consumers like myself is evident and infringes upon my rights to correct errors on my credit report. Immediate correction of these errors is mandatory. Please also confirm the accuracy of the XXXX accounts listed and leave these accounts open. 

Your prompt and decisive action on these matters is not only expected but required by law. 

Sincerely, XXXX XXXX XXXX XXXX Note : The FCRA 's statement-of-dispute provision does not mandate specific language or forms for consumers to request the addition of a dispute statement. The responsibility lies with the credit reporting agencies.
Product: Checking or savings account

In spite of being an account holder in good standing with Bank of America for 17 years, they continue to place holds on my check deposit. The check comes from a well known brokerage but Bank of America places a hold saying it takes them 10 days to get the amount which is simply not true in this day and age. I have never experienced this with other banks. 
I am not being given the true reason of placing the funds on hold. 
This is especially heart breaking in COVID times when someone needs the funds ASAP.
Product: Credit reporting or other personal consumer reports

I am victim of identity theft and the Equifax data breach.The account does not belong to me and i have no knowledge of this account. 15usc1681b.
Product: Mortgage

XX/XX/XXXX Re XXXX XXXX XX/XX/XXXX XXXX Sterling National Bank ( aka ) Webster Bank loan # XXXX On XX/XX/XXXX, Sterling National Bank changed their company name to Webster Bank. I never received a formal written letter notifying of this change or what I need to do regarding my homeowners insurance policy holder. 

On XX/XX/XXXX I contacted Sterlings insurance dept. and asked did they send a formal letter to my homeowners ins. Company with any new updates; such as, name change, remittance address for payments and etc.? 

The representative stated a letter was generated on XXXX XXXX to my insurance. My thoughts were, was the letter actually mailed out. I didnt believe her. I asked her to please mail me a copy of that letter dated XX/XX/XXXX to my insurance company? She said she couldn't do that. Then, I asked her to resend another letter to my insurance company and she said ok. Again, don't believe her. Why do you ask? 

As of today, I'm still waiting on my escrow analysis letter that was completed XX/XX/XXXX and I was told it was mailed XX/XX/XXXX and then XX/XX/XXXX. As of today XX/XX/XXXX, still not recd. See my complaint # XXXX, there's a pattern here, with lying about mailing out documents to my home. 

Anyway, today XX/XX/XXXX, I contacted my homeowners insurance and inquired if they recd a formal letter from Sterling National Bank ( Dated XX/XX/XXXX ) regarding a company name change and all other necessary information required for billing, payment remittance address, possible new mortgage number? My carrier told me not, updated information recd. From Sterling National Bank or aka Webster Bank. 


Resolution for me : Have the bank create a formal letter to my ins carrier and cc me a copy informing us of the new changes; such as, new company name, billing address, payment remittance address and anything else they will need for an easy transition I will forward this letter to my lawyer, as well. 



Thanks XXXX XXXX
Product: Credit card or prepaid card

I am a victim of identity theft. I learned that my personal information was illegally used to open an account. The perpetrator of this illegal act is currently in jail for this very crime. I did not open or authorize this account, and I, therefore, request that it be closed immediately. I also request that you absolve me of all charges on the account and that you take all appropriate steps to remove information about this account from my credit files. 
Your company did an investigation into my identity theft claim and determined that this specified account was valid for several reasons and that I was liable for the following reasons : - Identification information provided at the time of the application verified as belonging to me ; - The address listed on the application was verified as belonging to me ; ( Original Creditor ) has no record of returned mail or statements from the address verified as belonging to me ; - The credit card was mailed to my address ; Several payments were received from a debit card and ACH checking account in my name. 
The reasons provided are circumstantial and your investigation neglected to account for the fact that the person who stole my identity was house-sitting while I served in the military which gave him access to : - Said identification information that was provided at the time of the application ( which was not authorized ) - The address verified as belonging to me and listed on the application is my address and is currently my address to date. ( The perpetrator house-sat while I was XXXX, which means he resided at my address ) - No returned mail or statements from the address ( why would the perpetrator return the mail that he was trying to steal. ( He was trying to utilize my resources ) - The credit card was mailed to my address ( He was house-sitting, he was at my address, so he received the mail ) - Several payments were received from a debit card or ACH checking account in my name ( the perpetrator house sat for me, and had access to sensitive information, and passwords to my computer which gave him access to my bank account information. )
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries are showing on my report in which I did not authorize. Please remove them as they are impacting my score : XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX Twice in one day? 

XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified. 


These inaccuracies remain unaddressed, and I am requesting an immediate reinvestigation of these items to ensure the accuracy of my credit report. Additionally, I request the following : 1.Confirmation of corrections made to the disputed items.

2.Assurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the Fair Credit Reporting Act ( FCRA ).

3.Written confirmation detailing the results of your investigation and the actions taken to resolve the inaccuracies. 
XXXX XXXX XXXX XXXXXXXX Reference number : XXXX
Product: Credit reporting or other personal consumer reports

These are the inquiries that doesnt belong to me and I would like to have them removed 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
Product: Payday loan

The lender cashed the check I wrote, for {$2000.00} early. I explained that the funds would n't be available until XX/XX/XXXX, I dated the check for XX/XX/2015, and it clearly states on my bank statement that the check was deposited on XX/XX/XXXX, which lead to various overdraft fees, along with my account being overdrawn. I spoke to XXXX, and made very clear that the funds would NOT be in my account until XX/XX/XXXX, like the check was dated. They also called me, to verify that the check was mine, and that the funds would be there on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I called to make a payment on my XXXX XXXX account on XX/XX/XXXX before my XX/XX/XXXX due date. Their online system will not accept my XXXXXXXX XXXX account online, so I have to spend the time speaking to a customer representative to make a payment. 

I spoke to a customer representative over the phone and confirmed both my account number/routing number. She confirmed that the payment had been processed. 

I got notice a few weeks later that they had reported my account as past due and then proceeding to report to all the credit bureaus, which resulted in a chain reaction of several banks cutting my credit limits, leaving my unable to use cards for corporate travels/reimbursements. 

When I called XXXX XXXX on XX/XX/XXXX, they confirmed that this was an error on their end. The agent had mistyped my account number and added an extra XXXX to the end. After this was done, there was no communication and the account showed paid online. They acknowledged fault and refunded the late fees. 

They mentioned that I dispute with the credit bureaus, but answered the dispute saying that I was past due. 

The two screenshots show that they reversed the late payments and recorded a payment on XX/XX/XXXX. The second shot shows my bank account on the date and that I had enough money to make the payment.