23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX hired collection agency : SOUTHWEST CREDIT SYS XXXX XXXX XXXX, XXXX, TX XXXX to collect a debit on an account opened by someone else using my name and social security number. According to XXXX, the account was opened XX/XX/XXXX and closed on XX/XX/XXXX leaving an outstanding balance of {$3200.00}. The account went to collections XX/XX/XXXX. The address associated with the account is : XXXX XXXX XXXX XXXX . XXXX XXXX, MD XXXX I have never lived at this address. I have contacted both XXXX and the property manager of the address associated with the account in an attempt to get them to share information and verify that the debt is not mine. Neither party is cooperating, leaving me in a position to have to prove a negative. I informed XXXX that since they can not demonstrate consent by me in the form of a contract or audio recording authorizing them to start an account, they must release me from the debt. XXXX is throwing spaghetti on the wall by transferring their loss onto me, which is obviously, unethical and causing me great financial damage. Please advise.
Product: Debt collection

Midland Credit Management contacted my husband looking for me even though they have my work number and cell number. XXXX XXXX proceeded to give my husband all of the information on the account such as amount owed, deliquent status, asked husband for payment. Husband is not on account, not joint account and was never authorized for information. Husband told him 3 times he was driving and knew nothing about the situation and he continued. Spoke with XXXX XXXX supposedly a supervisor and informed me they did not break the law. States they are allowed to speak to spouse and give information. Since they have done this my husband is now filing for divorce and I believe I am entitled to civil suit.
Product: Payday loan, title loan, or personal loan

i got a loan with onemain finacial and signed papers for XXXX payment a month. The big manager at the store falsefied documents and made the payment to XXXX a month withouit my signature or my agreement i have several documents to support this claim and i have proof. They committed fraud and violated the truth in lending act. They committed crimes and have ruined my credit and my life. 

I have filed complaint with attorney general office and more. 

They switched docmunets and violated so many laws and federal laws as well. submitting false document to my bank.
Product: Student loan

I made a payment to the US Department of Education on XXXX, XXXX XXXX  in the amount of {$5000.00}. I continually checked my loan account and even after a month had passed the payment was never applied to my loan. I have contacted my bank to have them issue stop payment however the payment had already been cashed and they were unable to get the payment returned. After multiple attempts at contacting the US Department of Education and the loan servicer MOHELA they informed me that the payment was never received and to contact one another to figure out where the payment went. Each told me the payment was sent to the wrong address. If this was truly the case then how was the payment cashed and taken out of my bank account? The US Department of Education has stolen my loan payment and refuses to issue a refund or appropriate the payment to my loan balance.
Product: Mortgage

We live in XXXX and had a lapse in coverage for approx. XXXX days. I paid the forced place coverage premium and was able to get a new policy with XXXX XXXX XXXX. We have never missed a payment, have perfect credit and owe $ XXXX on a $ XXXX home My servicer has mandated an impound account which I do not want, need and do not appear to be contractually obligated to maintain provided we evidence payment of our taxes and insurance which I have done. 

I would request that they drop the escrow requirement in accord with our loan documents.
Product: Credit reporting or other personal consumer reports

This marks my 9th attempt to dispute the information in my credit file arising from an alleged identity theft. Once again, I am submitting an identity theft report ( # XXXX ) in accordance with FCRA Section 605B ( a ) ( 1 ) ( 2 ), mandating the removal of any information resulting from alleged identity theft within 4 business days of receipt, provided with ( 1 ) proper proof of the consumer 's identity and ( 2 ) a copy of an identity theft report. Please REMOVE the items listed in this complaint : Experian : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XX/XX/XXXX I unintentionally signed up online for Google nest on line. I do not want this service yet after trying for hours to cancel I am told it can not be cancelled and I will be charged a fee every month. There is no ph # available, no email but I have complained via feedback form with no response. Now I just want to cancel entire Google account but am not able to access debit card info. I am XXXX yrs old. This is senior abuse. Why is Google allowed to do this? It is a scam.
Product: Credit card

charged a late fee for being XXXX minutes late on { XXXX XXXX 2015 XXXX XXXX } Called a few minutes later to complain, talk to { XXXX with reference # XXXX } who said since this was my first time late with this credit card { XXXX XXXX } that my late fee would be waivered and that the change would show up on my next bill. I just checked my latest bill and the late fee charge was added!!
Product: Credit reporting or other personal consumer reports

I am formally submitting a dispute regarding the unauthorized and inaccurate information currently on my credit report. Upon a thorough review, I have identified multiple significant discrepancies that do not accurately reflect my financial history or actions. These inaccuracies include accounts that I did not open, incorrect personal information, and inquiries conducted without my consent. I request that you investigate and remove the following items : Collection/Charge Off : XXXX XXXX XX/XX/XXXX {$370.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$6400.00} XXXX XXXX XX/XX/XXXX {$1100.00} XXXX XXXX XX/XX/XXXX {$1100.00} XXXX XXXX XX/XX/XXXX {$690.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$1700.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX es ) : XXXX XXXX XXXX XXXX XXXX, CA XXXX Previous Address ( es ) : XXXX  XXXX XXXX, IL XXXX XX/XX/XXXX Employers : XXXXXXXX XXXX Employers : XXXX XXXX
Product: Debt collection

I found a letter from Credit Corp Solutions Inc reference # XXXX stating that there i a debt owed from a creditor XXXX XXXX that was charged off XXXX stated that they are the sole owner of this debt, well congratulations on taking care of something that was allegedly owed. Also who is the Holder in Due course of a consumer credit transaction per the FTC rule.
Product: Credit reporting or other personal consumer reports

My repeated efforts to resolve the fraudulent, inaccurate, and misleading entries on my consumer report have been unsuccessful. These items have severely disrupted my life, leading to considerable stress. I emphasize that I never authorized this information to be linked to my name, as I am a victim of identity theft.
Product: Payday loan, title loan, or personal loan

I initially took out a loan with this company, which I now realize is a subprime loan company, due to falling behind on some bills and needing help getting out of debt. Initially everything seemed fine. First loan paid off. Second loan refinanced into another loan. That loan refinanced into yet another loan, each time with a higher repayment amount & more time on the loan. Fell behind, set up a payment plan to help catchup on payments. The only problem is that, even though they reduced my payments for six months, all of that money went towards interest and fees, and not one cent went towards reducing the principal of the loan. This dug me deeper in debt to this company. Now, more than a year later, I am just beyond the 50% mark of having paid this loan off...which is ridiculous. I cannot afford to continue paying this loan! My checking account is coming up negative, on a regular basis l, due to these debits & all of my other obligations ( that are necessary for my day to day survival). I am about to lose my car and my job is in jeopardy, due to this overwhelming debt that I have on me. I need relief from this situation & $XXXX less debited from my account each month, will help give me some relief.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX, and Experian credit reporting agency block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal loan account with XXXX XXXX XXXX XXXX for {$8400.00} and inquiries with XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX. The aforementioned account are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer collection account are the result of identity theft and fraud.
Product: Prepaid card

I applied for a PayPal credit account and was denied according to a credit report that indicated I had a Venmo account that has been established and information obtained in a report effected the decision. Not only have I not opened a Venmo account I also have reached out several times to customer support complaining that someone else is using a account with my name on it and using a old cell phone number Ive had in the past to move money and fraudulently use my personal information. Ive asked numerous customer service reps to delete the account my account and stop using my name and because I cant tell them the number associated with the account they wont delete it and somehow either lose connection and hand up mid conversation or never get back to me to follow up with my complaint! I want the account removed VIA MY NAME IMMEDIATELY
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I submitted an application or applied for an AUTO LOAN with my favourite Insurance co. XXXX. 
I am a member of XXXX since XX/XX/XXXX. 

When I applied for a Auto Loan with XXXX, I submitted only 1 ( one )  application for AUTO LOAN. 
The date is XX/XX/XXXX. 

The loan which was offered to me had an APR something like 8.05 % or 8.09 %. 

It was not affordable to me. 

I choose another Auto Loan for 2,4 % APR and it was already paid off. 

I do not recognise second hard inquiry on my credit report, by Experian. 

Second hard inquiry was made on XX/XX/XXXX. 

I already made one hard inquiry for Auto Loan, I received an answer that I can get a loan with interest rate over 8 %. I could not accept 8 % it is just too high for me. 

I did not made second hard inquiry for the same auto loan. 

I noticed that problem already in XX/XX/XXXX. 

but I was So OVERWHELMED with my new car XXXX and it is a space shuttle and not a car, and so I did not have forces to fight to remove second unjust hard inquiry. 

I also had a XXXX  XXXX in XX/XX/XXXX in XXXX XXXX XXXX for 5 hours. I was in recovery mood when i realized that there are 2 hard inquiries instead of 1 hard inquiry for auto loan. 

Now, in XX/XX/XXXX, I am much stronger and I see that all these double-hard-inquiries damaging my credit report. 

It damages my credit score. 
Including for XXXX XXXX XXXX XXXX. 

I request XXXX to remove second unjust hard inquiry for auto loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

After recently signing up for a credit monitoring service, I received notifications that a fraudster has aggressively attempted to open several new accounts in my name. On Saturday XX/XX/XXXX I was emailed an alert advising me of a fraudulent application attempt at Bank of America. Upon researching further, I have found that several fraudulent credit card applications were submitted to Bank of America resulting in multiple fraudulent inquiries on my XXXX credit report from Bank of America. I exhausted all reasonable attempts to contact both Bank of America and XXXX to address the fraudulent inquiries. Both companies have systems set up to create unnecessary obstacles to reaching a live person and have made the process to have the inquiries removed impossible. Bank of Americas phone system and representatives have done nothing to help, furthering my frustration as a victim of identity theft. I no choice but to submit a request to submit complaints to the CFPB, FTC, and Office of The State Attorney General to have the fraudulent Bank of America inquiries removed from my XXXX Credit report. The dates of the fraudulent Bank of America credit report inquiries are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. If the inquiries are not removed, then my only other option will be to seek legal assistance for damages caused by Bank of Americas refusal to resolve my issues as a victim of identity theft. This notice of complaint to be filed with the CFPB and FTC as well as the State Attorney Generals office serves as notice of my grievances with Bank of America.
Product: Credit reporting or other personal consumer reports

someone stole my personal information i was victim of identity theft
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed hard inquires on my credit files that were not me nor were they authorized by me. I have called to get them taken off the credit beruas and they have not. I did not sign for these accounts and did not give permission for them to pull my credit. Under the Fair Credit Reporting Act- I have the right to fair and accurate credit reporting to my credit file. 

The following accounts are on XXXX as hard inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXXXXXX XXXX/QUICKEN LOANS - XX/XX/XXXX I'm not sure why XXXX XXXX  keeps pulling my credit. they always send me letters in the mail stating I'm pre-qualified for a credit card and i have never ONCE applied for them. As for XXXX, I don't even know who that is and why would anyone apply to the same consumer that close together?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting Act XXXX XXXX Account number XXXX has violated my rights. 
15 U.SC 1681 Section602AStates I have the right to privacy.

15 U.S.C 1681 Section 604 Section 604 A Section 2 it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

XXXX Account number XXXX 15 U.SC 1681 Section 602A States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Debt collection

I keep receiving threatening phone calls from this number XXXX ( XXXX ) XXXX. I paid the XXXX XXXX ( Comenity Bank ) before I purchased my house over 3 years ago. The person keeps calling from the phone number XXXX ( XXXX ) XXXX threatening me with law suits and going to my place of employment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an item on my credit reports from a company called XXXX XXXX XXXX. 
It is a collections account on behalf of the City of  XXXX Fire Department. 
It is a medical bill for ambulance treatment and transport to the hospital for a medical emergency on XX/XX/XXXX. 
The account is on my report as being opened on XX/XX/XXXX. 
All 3 CRA 's agreed to a settlement with the CFPB and the NYAG which implemented a system wherein medical debt that was reported to the CRA 's with a delinquent date less than 180 days from the date of the report would be excluded from a consumer 's credit file. 

( It should be noted that I never received a copy of the original bill in the mail even though the paramedic and hospital that took my information was provided with my PO BOX . ) First, there was no due date on the bill received from the City of XXXXXXXX, so to my knowledge there is no date of initial delinquency. 
Second, assuming that the City of  XXXX considers the date of service to be the initial date of delinquency, then the first date that this item could have been reported to the CRA 's would have been XX/XX/XXXX. ( It is safe to assume that the date of service is NOT the same as the date of the first delinquency. ) This item should be removed from my credit files at all three CRA 's because it is for medical debt which was sent to collections and reported to my credit file less than 180 days from the date of first delinquency and because there could have BEEN no delinquency considering the initial bill has no due date for payment or even a request to pay immediately. 

I have included both a copy of the current CDIA guidelines which show at the bottom of page 2 the  current standard by which medical debt should be excluded : The CRAs will no longer include medical debts identified and furnished by collection agencies when the date of the first delinquency is less than 180 days before the day the account was reported to the CRAs. 


I have also included a copy of the bill that I finally received after disputing the account with XXXX XXXX.
Product: Money transfer, virtual currency, or money service

Well after losing the last money with this bank. I should of never wired money from my USA account to my XXXX bank account. so please listen to what happened and it is totally the banks faulty, I originally sent XXXX wires to the XXXX on May XXXX XXXX for XXXX XXXX USD and XX/XX/XXXX for XXXX XXXX USD, I did both of them online and did it exactly the way I was prompted to send the wires, recipient name. XXXX XXXX XXXX. or XXXX XXXX XXXX Receiepent bank XXXX Then the account number, I did exactly as they asked me to do it. 

Then I got a call from PNC 's wire office asking to verify the transfers, which I did and it was on a recorded line, they asked who it was going to and what bank, which i told them, The next few days no wire? So I called my attorney to look into this, he responded that my Bank had no recipient 's namer on the wire, just XXXX with an account number, So I called XXXX to tell them of their mistake, they said they would send an amendment and it could take up to XXXX days for my bank to respond but that XXXX of the wires got returned and it would get credited to my account sometime, Well we are on the XXXX XXXX day and my bank in the XXXX has not received anything from PNC as to the change of name, nor have I got my money back into my account, Now if this was only a few XXXX it would be ok but it is XXXX XXXX USD!! 

and I would like to kn ow where my money is!! 

Today is XX/XX/XXXX and still no money in any of my accounts.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY SEVERAL DATA BREACHES. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. THIS ACT VIOLATES 18 U.S.C. 1029, WHICH PROHIBITS THE UNAUTHORIZED USE OR POSSESSION OF ACCESS DEVICES WITH INTENT TO DEFRAUD. REPORTING INFORMATION THAT IS KNOWN TO HAVE ERROR IS A DIRECT VIOLATION OF 15 USC 1681S-2. PLEASE REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : 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

XXXX  XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX   XXXXXXXXDispute XXXX XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute all ftc violations enclosed and listed here
Product: Mortgage

On XX/XX/XXXX we XXXX XXXX ( also known as XXXX XXXX ) and I, XXXX XXXX XXXX, received an incorrect Certificate of Release from the holder of the mortgage on our home, Fifth Third Bank. 

Despite much correspondence with Fifth Third Bank, they have continually refused to give us a correct Certificate of Release. 

We have describe this problem in detail in our correspondence with CFPB. 

Our correspondence with CFPB is dated : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX. 

Please advise.
Product: Checking or savings account

I did not receive a {$200.00} bonus coupon code until XX/XX/19 & when I opened my account with a {$100.00} deposit I then set up my direct deposit from my jobs website. Now Im being told the coupon is only valid when first opening but that was not clear when I called before opening the account or upon visiting a brand for my {$100.00} deposit into the checking account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Every month I receive notifications from an email address that I dont use often in regards to a loan application that is being denied by XXXX ... I have contacted them several times to inform them I am a victim of identity theft that I AM NOT APPLYING for loans but they continue to process these applications causing negative inquiries on my credit file
Product: Debt collection

I have a collection company ( Amcol Systems Inc ) who appears to have purchased medical bill debts from many years ago that was paid through health insurance ( XXXX ). They just started reporting to the bureaus XX/XX/XXXX and plan to continue reporting until XX/XX/XXXX. I have attempted to reason with Amcol and explain to them that the information they have is incorrect and when that did n't work I disputed it with XXXX and XXXX. They both came back saying that it meets the requirements of FCRA. I am working very hard to repair my credit and this is having a very drastic effect on my life. Please help me as I have run out of options. Thank you in advance.
Product: Credit card or prepaid card

Hello good evening. My name is XXXX XXXX XXXX. I have been trying to reach someone at XXXXenesis card services XXXX XXXX  to have a fraudulent account removed from my credit information however I have not been successful since I cant verify the information that is on the account due to it being fraudulent. So this is my last stop. I do not know the card number because nothing shows in full on my report. And it has some Texas address that I have never lived either. I live in XXXX XXXX XXXX. Though my information has been part of a marriot data breach. Ive never heard of this company or the card and I am formally demanding it to be removed off my report and from their system. I have already alerted credit bureaus also.This is effecting my college financial aid applications and its just not okay.