23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I received notification from XXXX XXXX Telling me that someone had intended to open a XXXX XXXX credit card on my name, it was declined. Then I received and email from XXXX XXXX telling me that they had detected several attempts to use my personal information to open several accounts as well as my personal information was stolen and sold to third or forth parties. Please look into this matter and let me know. For yor information, I know that my credit rating is poor and I have not applied for any credit in more than 4 years. Thanks for your time and consideration and may the XXXX XXXX be with you.
Product: Credit reporting or other personal consumer reports

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX 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

THIS IS TO EXPRESS MY EXTREME DISSATISFACTION WITH YOUR HANDLING OF MY RECENT CREDIT REPORT DISPUTE REGARDING FRAUDULENT ACCOUNTS. I AM QUESTIONING YOUR POSITION HOW DID YOU DECLINE MY REQUEST WHEN I AM PLEADING AS A VICTIM AND I AM ASKING FOR SOME HELP NOT TO BE JUDGED AND BE REJECTED!!! IT IS DISHEARTENING TO SEE THE BLATANT DISREGARD FOR PROPER INVESTIGATION PROCEDURES AND THE UNJUST REASONS PROVIDED FOR YOUR FAILURE TO BLOCK THESE FRAUDULENT ENTRIES. HOW COULD YOUR BUREAU IGNORE THOSE ARE IN NEED AND HELPLESS? 
XXXX XXXX XXXX- PLEASE DELETE!!! 
XXXX XXXX XXXX- PLEASE DELETE!!! 
Your assertion that these fraudulent accounts can not be blocked immediately is not only unfounded but also indicative of a lack of commitment to consumer rights. Nowhere in the FCRA does it empower you to make hasty judgments without presenting the evidence or demonstrating due diligence in your investigation process? 
I demand that you immediately rectify this situation by conducting a comprehensive investigation into the disputed accounts and providing clear and irrefutable evidence justifying your decisions. You must abide by the legal and ethical standards set forth by the FCRA rather than resorting to baseless assumptions. 
Moreover, your refusal to block these fraudulent accounts is damaging my creditworthiness and causing undue stress. This negligence on your part is unacceptable, and I insist on an immediate correction of my credit report to reflect the true and accurate state of my financial history.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was a fraudulent account from XXXX XXXX listed on my credit reports from XXXX, XXXX and Equifax. The account was an installment loan. I did not obtain or authorize any such loan. I disputed the information with the credit reporting agencies and further filed an identity theft report with the FTC. The credit reporting agencies presumably conducted an investigation into the account, but the results of the investigation did not modify the fraudulent and incorrect information listed in my credit reports. I have made multiple attempts to contact XXXX XXXX. In my email communications with them, a customer service representative directs me to call a hotline and can not help me via email. However, the " dedicated '' hotline has a wait time of 300 minutes ( 5 hours ). It seems to me that XXXX does not want to solve the problem. It also appears to me that the credit reporting agencies did not actually conduct an investigation and did not provide any useful information on the fraudulent account beyond a generic status update. Since this fraudulent account is now flagged as overdue, my credit score has dropped over 100 points.
Product: Mortgage

Attached, please find documentation for the following complaint against XXXX XXXX XXXX. Mr. XXXX XXXX has attempted to communicate with XXXX XXXX for almost 7 months over a mystery fee that they have added to his pay off demand. We have attached multiple payoff demands that he has received over the last 7 months. On some of the payoffs, a mystery fee of {$49000.00} is present while it is not on others. When questioned, XXXX has simply dismissed his requests for an explanation or to refer him to Appendix G of his loan documents ( I have attached appendix G here ). Appendix G is in regards to late payment, but in no way allows a mystery Maturity Fee to be added to the account. We believe this is simply an attempt of XXXX to commit fraud against Mr. XXXX. He has asked multiple times for an explanation and the response has been bogus at best. 

We would like XXXX XXXX to prove that they have the right to charge a 15 % on the gross unpaid principle balance in order for the borrower to pay the loan off or remove it from the payoff statement. 

CC : California Office of Attorney General
Product: Credit reporting or other personal consumer reports

I have be having issues with XXXX and TransUnion about my credit report over the past several months, I have sent them a privacy notice and I have sent the dispute of inaccurate reporting and nothing is being done about this issue. It is directly affecting me and my family being able to do business with financial institutions. I have expressed that I have an equitable interest in these accounts which needs to be paid to the accounts but they just keep saying the accounts are verified and I have loss confidence in there investigation process.
Product: Credit reporting, credit repair services, or other personal consumer reports

Said my XXXX account was opened XX/XX/2020 and being reported as a closed collection account on my consumer report ( Experian, XXXX, XXXX ) which I have know nothing about this account. Request to verify validation of the debt including names, address, original signed signature from signed contract of the person in question about the service. If can not be verified within 30 days at a reasonable timely manner, delete the account from report.
Product: Debt collection

I received a Welcome letter stating that if the account isn't paid within a specific time, it will be posted to my credit. I went online to set up payments but was never told I could dispute this. So now, since I've made two payments, the company has posted this debt and states it won't be removed until they receive all fundsdeceptive communication practice.
Product: Credit reporting or other personal consumer reports

XXXX XXXX showed me a letter stating that I have no more obligation to them. I paid them through XXXX XXXX. Their information is an accurate on my credit report. Account ending in XXXX and XXXX. XXXX XXXX XXXX XXXX accounts, stating that I have no further obligation to them legally unlawfully I have no further obligation to them at all
Product: Debt collection

Over the past several months, I 've continued to receive phone calls from First Recovery about debt collection for a person that does not work at the number they are calling, which is my office and a government office. I 've made several attempts to update whomever is on the customer service end to remove this number off the list. The collector is looking for a specific person : XXXX XXXX. That individual does not work the line they keep calling over the past year nor do I know the person. Every time I receive the call from this company, i 've updated the customer service person and yet I continue to receive phone calls/msgs. After several frustrations over the past year, back in XXXX XXXX/XXXX/XXXX, i decided to do my own research online to find this XXXX XXXX person and guess what, was able to find her. I gave the customer service person the updated contact information back then because it seems like they ca n't do their job. It took me less than 10min to find her online. I received a call from this company XXXX/XXXX/XXXX. Morning of XXXX/XXXX/XXXX, i call back to once again update First Recovery and again I receive a call back XXXX exactly the same day XXXX/XXXX/XXXX calling about the same thing. I am beyond frustrated and can not believe people ca n't do their job to find the right person. Stop calling this number government office line. PLEASE STOP CALLING THIS GOVERNMENT LINE looking for the person as the individual does not work here nor do i know the person. Every time I ask the collector to update, they said they removed the number but i still continue to receive several phone calls over and over again. Every time I ask about which company this is, the customer service person/debt collector hangs up on me. Finally, at least i was able to find out that it was FIRST RECOVERY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a complaint against EWS early warning services. This consumer agency has cause me huge amount of stress and financial hardship. This highly upsetting. Theyre reporting incorrect information, refuse to remove it and how the DAMAGING information is creating problems with my banking institution ( XXXX XXXX XXXX XXXX ). I want justice for frivolous actions that EWS is doing. This been a going on since XX/XX/2020. I have provided them everything include evidence of XXXX and XXXX XXXX errors and misreporting.
Product: Debt collection

I have tried several times to have TransUnion remove these fraudulent accounts from ( XXXX XXXX XXXX amount {$1100.00} & amount {$1400.00} ) from my credit report, I have given them a Identity theft report, a police report, and a signed and notarized affidavit of identity theft but they still are reporting this account on my credit report causing me to miss out on credit opportunities. They just tell me they are investigating & still let the negative information showing affecting my credit rating.
Product: Money transfer, virtual currency, or money service

On Friday, XX/XX/2020. I sent XXXX $ dollars to gemini ( cryptocurrency exchange ) using and ACH bank deposit from XXXX  XXXX XXXX, in which later showed up on my gemini account. 
At around the same time I deposited to gemini, my original bank XXXX XXXX  XXXX XXXX XXXX was in the process of changing my name from XXXX XXXX to XXXX XXXX XXXX. ( I did not mention this to gemini due to reasons I wont be going over now. ) On XX/XX/2020 I have sent an order to withdraw XXXX XXXX from my gemini account only to be penalized by a XXXX $ name miss match fee, and cancel my withdrawal. 
On XX/XX/2020 I emailed gemini to re validate my account, I offered to show my old and new driver license as well as any legal documents to help solve the issue and prove my identity. 
Ever since then I emailed them many times, I also gave them phone calls with voice messages without any replies either. 
My account currently sits idle with my funds in it, without any ability for me to withdraw it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX This account was settled and paid on XX/XX/2021 however they are still reporting the balance of {$74000.00} on my credit report. It has been more than 60 days now. The balance needs to report as XXXX or have the account deleted immediately.
Product: Debt collection

I had reported to CFPB on XX/XX/year>. It wasn't my bills and they XXXX  personal information. However they still XXXX  me. I would like to request of stop XXXX  and never contact me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


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
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to get a loan from a company in XX/XX/XXXX but after they did an investigation on my credit information, they found that I had significant debt and could not offer me a loan. The main companies were XXXX XXXX XXXXXXXX and Chase. 
The loan company said that I had debt with XXXX XXXX XXXXXXXX of {$18000.00}. And that I had XXXX Chase cards for amounts of {$9400.00} and {$2700.00}. 
I called XXXX XXXX XXXXXXXX and asked them to send me a letter showing my charges. But they said they couldnt that because Banks only hold XXXX years worth of information and since the account was opened in XXXX, they did not have that information to give me. 
In emailing with my bankruptcy attorney, this is what he wrote back to me : XXXX XXXX XXXXXXXX was listed in the schedules, and they were served with notice of the bankruptcy filing. XXXX XXXX XXXXXXXX did file a proof of claim for other debt but not for the $ XXXX debt we listed in the schedules. It is probably a situation where XXXX XXXX XXXXXXXX did not have documentation showing the debt was owed and chose not to file a proof of claim. 
I believe that the same problem occurred with Chase. 
I submitted a complaint to XXXX, and they completed their investigation. However, the XXXX XXXXXXXX XXXX {$18000.00} debt still showed. 
I called XXXX today, XX/XX/XXXX and I asked them if they could call XXXX XXXX XXXXXXXX and Chase and ask them to give XXXX proof of the debt. XXXX told me they couldnt do that. Because of a law that says that you cant ask credits of documentation for the debt. 
So, I am left out in left field and I have nowhere to turn. This is so frustrating. It appears that these debt item will be on my credit forever and I will never be able to get a loan. I really hope the Consumer Financial Protection Bureau can help me in some way. 

Thank you.
Product: Checking or savings account

XXXX On XX/XX/XXXX, I mailed check # XXXX in the amount of {$58000.00} to payee United States Treasury intended as an installment of my XXXX estimated tax payments. 

XXXX On XX/XX/XXXX, the check had cleared my bank ( XXXX XXXX XXXX ) with the assumption that the check was paid to the actual payee on the check ( United States Treasury ). 

XXXX On XX/XX/XXXX, my CPA filed my XXXX tax returns with the expectation that we are getting a refund of {$120000.00}. 

XXXX On XX/XX/XXXX, I received a letter from the IRS adjusting my refund to {$65000.00} which prompted me to inquire with my CPA the reason as to why they did this. 

XXXX On XX/XX/XXXX, my CPA confirmed that the IRS must have not received my check for {$58000.00} which is the exact difference. 

XXXX On XX/XX/XXXX, I requested a copy of the cancelled check from my bank ( XXXX ) which led all of us to believe that it was cashed by someone other than the United States Treasury XXXX Please bare in mind that the front of the check was not altered in any shape or form but the back was missing the official IRS endorsement markings. 

XXXX On XX/XX/XXXX, I received a call from my bank stating that the check was deposited/cashed at a Wells Fargo Bank XXXX 

XXXX Since then, myself and my bank ( XXXX XXXX XXXX ) have made several attempts to claim the lost funds from Wells Fargo to no avail. Wells Fargo refuses to refund my lost funds.
Product: Mortgage

Our first tax bill, received in XX/XX/XXXX, was due onXX/XX/XXXX. We called XXXX XXXXn late XX/XX/XXXX in order to be sure there were no issues and in an attempt to have the taxes paid inXX/XX/XXXX. They said they had numerous requests and may not be able to get to It inXX/XX/XXXX.

I called XXXX on XX/XX/XXXXand was told they would pay the taxes before the end of XX/XX/XXXX. I reminded them the taxes were due onXX/XX/XXXX and our escrow account had the funds to cover the taxes. I spoke with XXXX on that call.

The next time I called was on XX/XX/XXXX the date the taxes were due. XX/XX/XXXX told me that XXXX  usually wired funds on the due date to the taxing agency along with a list of the property owners. She said she would follow up and let me know on the following day. She did not call back the following day.

OnXX/XX/XXXX I called XXXX and spoke with XXXX  and was told our tax payment had been expedited and our taxes would be paid within the next 5-7 business days. He also told me that they would withdraw {$1600.00} ( the actual tax due ) from our escrow account and XXXX would pay the {$44.00} late fee. In actuality they took the entire amount of {$1700.00} from our escrow funds.

On XX/XX/XXXX XXXX  called me back and told me our Parcel ID was uncertified per XXXX County and that XXXX got the problem solved with XXXX   County. Then she said our Parcel ID number is now certified and XXXX would pay the taxes owed.

I called XXXX  Countys Assessor Office, Auditor and Treasurer. None of them had any idea what Parcel ID Certification meant. I was told by the Treasurers office they had received funds from XXXX in XX/XX/XXXX but our taxes were not included. XX/XX/XXXX County Government address is : XXXX XXXX XXXX XXXX XXXX SC XXXX. Phone : XXXX

We are unhappy with how XXXX this was handled by XXXX. Due to XXXXs failure to uphold their fiduciary responsibilities and causing us to pay for their error, we believe the escrow account requirement should be cancelled free of any charges to us and allow us to handle the taxes and insurance in a timely manner. We paid {$330000.00} for this house and our mortgage balance is {$120000.00}. We have paid the mortgage payment plus additional funds toward the principal each month. XXXX is well protected and would assume no serious risk by cancelling the escrow account requirement.

Attached : XX/XX/XXXXTax Notice XXXX statement Notes from phone calls with XXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint against CB/WAYFAIR ( Account Number : XXXX ) for their failure to provide validation of my debt and their continued reporting of inaccurate and unverifiable information to the credit reporting agencies ( XXXX, XXXX, and XXXX ) XXXX 

I have been disputing this account with the credit bureaus for over XXXX months. Each time, CB/WAYFAIR has allegedly verified the information, yet they have never supplied me with any documentation or proof to substantiate this debt. This failure to validate the debt is a direct violation of the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 and 623, which mandate that furnishers of information verify its accuracy when challenged.

Key Issues and Inaccuracies : Inconsistent and Contradictory Reporting Across Bureaus : The balance is reported as {$0.00} across all bureaus, yet the account status remains marked as a Charge-off/Collection. This contradiction is misleading and negatively impacts my creditworthiness. 
The high balance is reported inconsistently : XXXX : {$3500.00} XXXX : {$0.00} XXXX : {$3700.00} Unverified Debt : Despite repeated requests for validation, CB/WAYFAIR has failed to provide any evidence that this debt belongs to me or is accurate. This lack of validation suggests the debt can not be legally reported. 
Continued Reporting Despite No Balance Owed : The account is listed as a Charge-off with a {$0.00} balance. If there is no balance owed, there is no justification for maintaining a derogatory status. 

I am extremely frustrated with this ongoing issue. I have exercised my rights under the FCRA by disputing this account multiple times. However, instead of resolving the issue, CB/WAYFAIR continues to verify the information without providing the necessary documentation to substantiate the debt. This prolonged inaction is causing unjust damage to my credit profile, affecting my ability to obtain credit and financial stability.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX ... XXXXXXXX  ( Original Creditor : XXXX XXXX ) XXXX**** ... XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.