23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I recently discovered that someone had stolen my identity and used my personal information to open fraudulent accounts and make collections on my credit report. It has been a challenging experience that has had serious consequences on my credit score and financial well-being. I have taken immediate action to dispute the fraudulent accounts and collections, and I have reported the identity theft to the appropriate authorities. This has involved working with credit bureaus, banks, and law enforcement agencies to investigate the fraud and restore my credit report. It has been a stressful time, but I am doing everything I can to protect my identity and recover from the damage that has been done.
Product: Checking or savings account

I have two checking accounts with Bank of America. On  XX/XX/18, I checked my available balance on one of my  accounts and it showed {$94.00}. On XX/XX/18, I noticed that my account had a negative balance of {$54.00}, so I immediately made a transfer from my second Bank of America account ( internal transfer ) and after reviewing the transactions, I noticed a overdraft fee in the amount of {$35.00} posted to my account on XX/XX/18, when my account still had an available balance of {$94.00}. I contacted Bank of America on XX/XX/18 and first spoke with XXXX in regards to the fee, and asked to speak to a manager to have that fee reversed, since there are transactions still in process and I should not be charged an overdraft fee in advance for transactions not completed. Also, since I never signed for overdraft protection, any transaction that comes to my account when there is no sufficient funds should be declined.I explained to her that I was being charged by Bank of America an overdraft fee for transactions not yet posted to my account. She did not transfer me to a manager or  supervisor and started to give me an education session over the phone. I disconnected the call and called Bank of America again and was connected with a representative named XXXX, who said he is a manager in West Virginia. Mr. XXXX also wasted a lot of my time and at the end, refused to reverse the {$35.00} fee. All my transactions were made as credit and as of XX/XX/18 there were still on pending status and Bank of America charged me a overdraft fee on XX/XX/2018 when my account never went on a negative balance. 
Today ( XX/XX/18 ), I received an email from Bank of America stating that my transaction in the amount of {$24.00} posted on XX/XX/2018 caused an overdraft on that date, but my available balance before that transaction was {$110.00}, so my account was never on a negative balance or had an overdraft and the {$35.00} overdraft fee should never been charged to my account. Bank of America is charging customers overdrafts fees incorrectly and representatives are refusing to reverse those fees. I am including supporting documentation for review.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing with the bureaus since XX/XX/XXXX, some inquiries that I never approved of, and obviously did not obtain credit for. The bureaus did not delete the inquiries, nor did they respond within the 30-day timeframe that they are supposed to respond in. On XX/XX/XXXX I sent another letter to each of the bureaus, demanding they delete the inquiries that I did not authorize. It has been a total of 119 days and today is XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.
Product: Debt collection

I am writing to formally request validation of a debt referenced as associated with a XXXX XXXX account ending in XXXX. I am requesting that Acron Credit Solutions LLC provide me with the following documentation in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA1. Purchase Agreement : Please provide a copy of the original purchase agreement that outlines the terms of the debt, including any signatures from me.

2. Debt Validation : I request validation of the debt to ensure its legitimacy. This includes a detailed breakdown of the amount owed, any associated fees, and the date of the last payment.

3. Original Creditor Information : Please provide information regarding the original creditor, including their name, contact information, and any documentation that supports the debt 's validity. 
4. Wet Ink Signature : I request any and all information that contains my wet ink signature stating that I owe Acron Credit Solutions LLC or XXXX XXXX. 
This request is made under the provisions of 15 U.S.C. 1692 ( g ), which states that a debt collector must cease collection of a debt until they provide the requested validation. Additionally, under 15 U.S.C. 1681c-2, I am entitled to dispute any information that is not verified and accurate.

Please be advised that if I do not receive the requested information within 30 days from the date of this letter, I will consider the debt invalid and expect all collection efforts to cease immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

During the period of XXXX and late XXXX I went through identity theft and due to this troubling experience I got canceled by a credit card company they were aware of the situation and stil decided to close my account and now Im having this issue on my credit report
Product: Bank account or service

I recently visited my Safe Deposit box looking for the title to a car I was selling. I found XXXX old Cds ( 1993 XXXX ) that I had forgotten about. I tried to cash them out at the bank ( now Wells Fargo ) and was told that they had no record of the CDs. I contacted Wells Fargo and was eventually told that they have no record and I was out of luck. I contacted the MN attorney Generals office. They went back and forth with correspondence on my behalf with the bank. As of XX/XX/XXXX Wells Fargo told me and the Attorney General the same thing that they had no record and even though the CDs are n't signed that they were not responsible for them. 
The Attorney General 's Office suggested that I contact you to file a complaint. So that 's where we are. I have photo copies of everything including the original receipts for the CDs. 
The original total of the XXXX CDs is {$4000.00}. They say right on they will automatically renew at maturity unless I notify the bank otherwise.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act The U.S. Department of Education - Account Number XXXX has violated my rights according to section 15-USC -1681 Section 602A states I have the right to privacy and Section 604 A Section 2 : also states a Consumer Reporting Agency can not furnish account without my written instructions.
Product: Student loan

-My college loans were transferred to Mohela three years ago. 
-I had a XXXX and applied for XXXX relief. 
-Through the XXXX relief program ( XXXX ) suspended any and all payments to be made to Mohela . 
-XXXX advised they contacted Mohela of the suspension of payment. 
-Mohela kept trying to collect on the transferred student loan, to wit ; XXXX dollars. 
-Mohela said XXXX it were still collecting on the loan and were gon na ruin your credit. 
-They, Mohela reported a 90 late payment on my credit history-Now may credit history went from XXXX to XXXX because of this frivolous reporting by Mohela-Five days later the loan was paid in full by a credit card due to the continued harassment and threat to ruin more credit. 
-Mohela reported a loan 90 days late when XXXX suspended payments due to XXXX. 
-- its bad enough experience a XXXX now I have to struggle with a bad credit report and only late payment shown on my credit which has hurt my chances of obtaining viable loans and credit. 
-Please help with this complaint and please stop mohelas egregious behavior
Product: Credit card or prepaid card

I received a credit card statement in the mail from Bank of America. It has my name and address on it, however I did not open the card. I am guessing a fraudster got my information from the XXXX Breach.  The card has been used and there is a balance of {$1000.00} on it. I called B of A on XX/XX/XXXX to report the fraud. I have received nothing in the mail acknowledging the receipt of my claim and no resolution. I have called the company 4 times and have received various answers as to why I have gotten nothing in the mail and have been told that they have 60 days to resolve it. In the mean time this is getting reported to the credit bureau late as I am not making payments to an account that is not mine. I thought per Reg. E they had 10 business days to respond to me and at least acknowledge my claim. Also their verification procedures are terrible. The account should be flagged for fraud and they verified me with my name/address and DOB, which is what the fraud person used to open the account in the first place.

The sense of urgency on this is completely lacking. I would appreciate any help in getting this resolved. 

Thank you- XXXX XXXX
Product: Mortgage

A payment I made was never applied to my mortgage. 

In XX/XX/XXXX, my loan was transferred from XXXX XXXX to Shellpoint. I didn't receive communication about this transfer so my automated payments were still going to XXXX XXXX. 

I sent payments to XXXX on XXXX and XXXX each in the amount of {$2800.00}. I obtained proof from XXXX that they forwarded this to Shellpoint on XX/XX/XXXX and XX/XX/XXXX, respectively. I have XXXX tracking numbers for each and screenshots of the tracking that both were received by Shellpoint. Shellpoint acknowledged to me on the phone that they received the XXXX payment but not the XXXX payment. 

I have reached out to Shellpoint twice where they told me they would to investigate this, but have never followed up with either investigation into the missing XXXX payment Separately, my loan was transferred to XXXX in XXXX where I've needed to cover the missing XXXX payment to avoid defaults and so on. 

I've attached the following documents : - proof of my XXXX payment leaving my XXXX  account - proof of my XXXX payment leaving my XXXX account - proof from XXXX that they sent these payments to Shellpoint with tracking numbers- XXXX screenshot of the tracking number for the XXXX payment received by Shellpoint - XXXX screenshot of the tracking number for the XXXX payment received by Shellpoint
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 researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX Balance : {$2300.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, AZ XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, AZ XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, IL XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have recently noticed fraudulent activity on my credit reports. What I have found has led me to believe I may be a victim of identity theft, as I did not approve any information to be used in my name. I am requesting that these fraudulent items be deleted from my credit report at your earliest convenience. I actually have a security freeze on my accounts which should have alerted me prior to my credit being run. I did not receive any notifications or alert to my credit being run for these accounts which is concerning. These fraudulent items are reporting inaccuracies which are directly impacting my relationships with creditors as I am going through the home buying process.
Product: Debt collection

3 times Ive sent debt validation letters to IC Systems. Every time they send a response they say that they can not find me in their files bc I have not submitted any information they need to look me up. My name and address are always included and they can not locate me in their system with either or. But they are reporting this allege collections on XXXX   & XXXX.

I then sent a dispute letter to XXXX  & XXXX  and both investigations have came back verified. Ive then sent the credit bureaus another letter asking how the account was verified if IC Systems can not locate me in their system, only to receive another verified investigation result without proof of their verification process.

This account needs to be removed immediately since they can not send me debt validation bc they can not find me in their systems.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am filing a complaint against XXXX XXXX XXXX. A credit card was opened with XXXX XXXX XXXX on XX/XX/XXXX. The credit limit was {$400.00}. The date of my last payment was XX/XX/XXXX. I encountered financial hardships shortly thereafter and was unable to continue payments. The actual charges I put on this account were below the {$400.00} limit ; however, when this account was closed, only 5 months later, XXXX XXXX XXXX  had almost doubled the original balance by adding on predatory fees and penalties inflating the balance such that on the date the account was closed ( XX/XX/XXXX ) the balance was {$700.00}. They then sold the debt to XXXX XXXX XXXX. XXXX XXXX XXXX, the original creditor, has already been paid for this debt and as such, XXXX XXXX XXXX has no right to request this debt be paid for a second time. In addition, XXXX XXXX XXXX is now inflating the debt even more, requesting an additional {$280.00}. The current balance they are saying is owed is {$980.00}. This is pure exploitation. Now XXXX XXXX XXXX is attempting to garnish my wages to coerce me and entrap me into paying for these unscrupulous business practices. It has been nearly three years since the original debt. XXXX XXXX XXXX has recouped any loss they might have had through tax write offs and compensation from selling the debt. XXXX XXXX XXXX has no right to collect {$980.00}. I never ventured into any contractual agreements with them and therefore their actions are malicious, nefarious and full of corruption. This is a common tactic used by XXXX XXXX XXXX that has been used against friends of mine and various customers. They must be stopped from using these habitual, corrupt and unethical business practices. XXXX XXXX XXXX has two other related entities that they bounce these debts back and forth among to avoid justice and so they wo n't get caught and to keep the government regulation agencies off balance.
Product: Debt collection

On six separate occasions, both in writing and online through CFPB I have tried to get a derogatory remark that is not mine removed from my credit report. On XX/XX/2020 the original creditor, Comenity Bank verified in writing to my physical address that the account was NOT mine. Despite this and numerous complaints the debt collectors currently holding the file have continuously placed the account on my report. When a credit reporting agency has removed it, they've altered the name of the business holding the debt and reissued it as new under the different holding name. Besides being illegal this has made applying for a home mortgage impossible because I can't guarantee a new debt collection for {$780.00} which is not mine, as verified by the original creditor, won't randomly show up on my credit reports despite being removed on 4 separate occasions prior to this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to the credit reporting agency about a dismissed bankruptcy on my account. It states its from the US BKPT CT FL XXXX XXXX. This public record is inaccurate and I disputed it and the findings was the credit bureau received from XXXX XXXX. I reached out to the court to dispute and they advised they do not report or subscribe to the credit bureaus or have an open case in my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # 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 2 : 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 have found incomplete and inaccurate reporting on these accounts that I have listed in the letter. I am writing to dispute the following information that your company supplied to Experian
Product: Mortgage

ATTENTION : HUD-OIG AND CFPB AMENDED XX/XX/2019 VA HOME LOAN OVER PRICE {$300000.00}. BUILTXXXX. 

XX/XX/2019 COMPLAINT AGAINST ( UWM ) UNITED WHOLESALE MORTGAGE. 

PRICE PLACED UPON THIS HOUSE WE BOUGHT IN XX/XX/2019, ISN'T EVEN WORTH. {$300000.00}. I DISCLOSED HERE BELOW THE CONDITION FINDING HUMONGOUSLY BAD. 

THANK YOU FOR THE INFORMATION : I CERTAINLY ASKING FOR HELP WITH OUR ( VA HOME LOAN ) THROUGH ; " UNITED WHOLESALE MORTGAGE '' HERE IN XXXX, ARIZONA. WE FELT LIKE WE BEING OVERLY CHARGED. AS FAR AS PRICE WISE FOR THIS OLD HOME WE BOUGHT FROM THEM ... IN THE AMOUNT OF : {$300000.00}. AND ISN'T WORTH THE PRICE. 

AFTER A MONTH WE MOVED IN..WE DISCOVERED SEVERAL DISCREPANCIES INSIDE THE HOUSE. IT DEEMED LIKE NO INSPECTION WAS EVER MADE TO THIS HOUSE BEFORE PUT IT ON THE MARKET. ACCORDING TO ITS CONDITIION. " DIRTY FLOOR, CEILLING LIGHTS & FANS AREN'T WORKING PROPERLY, REMOTE-CONTROL TYPE FANS & LIGHTS FIXTURED. SOME CEILLING BRACKET LEFT WITH WIRES HANGING WITHOUT A LIGHT BRACKET. 

SLIDING DOOR IN THE BACK TO THE SWIMMING POOL. AND PATIO CAN'T EVEN OPEN, WAS FULL OF MUD, AND DIRTS. WE HAVE TO SCRAPED THEM OFF CLEAN, IN ORDER TO FREE THE GLASS DOOR, AND SCREEN DOOR TO MOVE FREELY. 

THE SWIMMING POOL WAS ABSOLUTELY DIRTY FILTHY, CAN'T EVEN SEE " TILES DESIGNS '' DUE TO SCUMS COVERED IT. WE HIRED POOL PEOPLE TO DRAINED AND CLEAN-UP INSIDE, AND REFILLED COST US HUGE AMOUNT OF MONEY. SPRINKLERS WAS NOT WORKING AT ALL, EXCEPT ; WASTING LOTS OF WATER FLOWING EVERY WHICH-WAY ; AND NOT SPRINKLING UP AS IT SUPPOSE TO : COST {$700.00} DOLLARS. TOILETS, KITCHEN, GROVES ALONG THE WALLS INSIDE THE WHOLE HOUSE ITSELF ARE EXTREMELY DIRTY. 

WE DID SIGNED THE CONTRACT, and it falls under : " FALSE STATEMENTS STATUTE '' SECTION ( 2 ) Especially, the general federal Statute, 18 U.S.C. 1001, which makes it a crime in dealings with the federal government to ( 1 ) falsify or conceal a material fact, ( 2 ) make a materially false statement, or ( 3 ) make or use a document known to contain a materially false statement or entry. Wilful Concealment. 

To which ; Compensatory Damages, and Punitive Damages can be consider from the defendant 's conduct is deemed especially egregious. Discourage repetition of such conduct, and set an example for others who might be tempted to engage in similar conduct. 

We are asking for a Rectification price ; placed upon this house. Its NOT Worth {$300000.00} dollars. According to its condition ; NOT reasonable, logically justifiable or justified, conforming to or in accordance with established rules, standards, principles of LAWS AND CONSTITUTIONS. Also ; my Tax-Exemption and my VA home loan benefit, entitlement has not been considering, nor acknowledge at all. Still shown on ESCROW payment  legitimately. 

Respectfully : XXXX & XXXX XXXX XXXX XXXX VETERAN XXXX   XXXX XXXX C/O XXXX XXXX XXXX XXXX XXXX, Arizona XXXX