23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Equifax has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report XXXX, hoping that you make a better decision in my situation, thank you
Product: Checking or savings account

I had a checking and saving account with Brink 's prepaid master card. About 6 months ago, I wanted to close both accounts. I had around {$900.00} in my saving account. I closed accounts on company 's website and chose to receive the check. However, I did not receive any check from them. I called them a few times, their customer service said they would process it but I did not receive the fund yet.
Product: Credit card or prepaid card

XXXX XXXX Credit card, rec 'd through XXXX, initially was a XXXX XXXX Card changed to a Marcus by Goldman Sachs, apparently through XXXX, meaning I didn't apply, rec 'd email being notified of the change by XXXX. Rec 'd statement in XXXX for pmt due XX/XX/XXXX with balance due {$270.00}. Read back statement re : " how we calculate interest, XXXX caculate the daily interest for each day in month, by multiplying applicable DPR by daily balance of each balance subject to interest within each transaction category for each day in the statement period ''. Statement period for this bill was XX/XX/XXXX- XX/XX/XXXX, due XX/XX/XXXX, balance to pay in full {$270.00}. Payment made of {$270.00} mailed & rec 'd by Goldman Sachs on XX/XX/2022, 17 days before due date. Rec 'd statement with balance due XX/XX/XXXX for {$2.00}. Have called company ( XXXX ) numerous times only to be told it's " trailing interest '' if payments were even pd late, etc. I have always pd more than minimum always on time. They refuse to fix the issue.
Product: Credit reporting or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters. 

Name : XXXX XXXX
Product: Credit reporting or other personal consumer reports

Please remove this credit account from my credit report immediately. This collection account is in direct violation of the legal document XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Fair Credit Reporting Act )
Product: Credit reporting, credit repair services, or other personal consumer reports

I had submitted complaint ID  XXXX  and this has since been closed. However, the matter has not been resolved. I sent the attached letter to  Synchrony  on    XXXX   XXXX     2017  and have not yet received a response. I have also not received the {$100.00} in return that I overpaid on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed complaint XXXX in which the company acknowledges mistake however they say my lates are in XXXX and they arent. The late reporting accured from XX/XX/XXXX till XXXX of XXXX in which I have 6 missed payments. XXXX also says my loan doesnt qualify for forbearance yet I've been on forbearance since XXXX of XXXX and still to this day. Equifax continues to report the 6 missed payments. XXXX states they've sent correction letter to equifax to remove all 6 lates, however equifax says they've never received such letter. In fact equifax says XXXX confirmed the 6 late payments as accurate even after theyve acknowledge their mistake.
Product: Debt collection

Specialized Loan Servicing sent a letter XX/XX/XXXX stating I owed a debt by XX/XX/XXXX or commencement of foreclosure on my home. On XX/XX/XXXX I sent a validation of debt certified mail to Specialized Loan Servicing and it was received XX/XX/XXXX. As of XX/XX/XXXX I havent received a response from Specialized Loan Servicing pertaining to the debt in dispute. It has now been 59 days since receipt of my demands. According to the FDCPA the debt collector must provide verification of the debt. I have never received a statement from this company and never done business with this company.
Product: Debt collection

I am writing about a company called ACR ( http : //www.acr12.com/ ). I received a text message from a telephone number local to the area where I live ( ( XXXX ) XXXX ), to my cell phone stating : 'Failure to respond to this collection notice will result in account escalation. Call ACR XXXX to resolve this delinquency. This is from a debt collector. ' I called the number included in the text message, which was a call service, and was told to go to the ACR website and enter my claim number.

I am unfamiliar with this organization. I have no idea how they got my telephone number and why they are contacting me via text message - which I did NOT authorize - about an unspecified debt. I filed a complaint on their website as well. As I understand it, according to the Telephone Consumer Protection Act of 1991, this action may be in violation of my rights.
Product: Student loan

The company that I want to file a complaint about is Navient. Navient took over XXXX XXXX student loans while I was still attending college. Out of all of my private student loans they are by far the worst company and are unlawfully using deceptive debt collecting practices. 
I have no forbearance left and I am currently recovering from a major XXXX XXXX and I still need to get the other hip done as well so I am unable to work at this time. I have explained my situation to Navient and they would not help me the lowest they would go for my two loans was XXXX dollars a month after i told them I am living under one income and living paycheck to paycheck of my husband 's income as well as my cosigners who are my grandparents both widowers and living on a low fixed income. 

Navient for months has been harassing myself and my family at all hours of the day 7 days a week and from all over the country. What really concerns me about this company is what I recently found out. Within the past few weeks, my uncle 's new wife ( so no connection to myself anywhere ) and my father-in-law ( who also is n't listed in connection to me on any of my social media sites etc. ) have been called from the same woman who goes by XXXX who works for Navient phone number XXXX extension XXXX. I have no idea where and how they are finding these people and their contact information but they call and completely lie about their identity. She has called and said the same story to both people. The story she gives is that she is looking for me and that we are working on a project together and that I have the people she contacted unlawfully listed as my associates. When my father-in-law called and told my husband what happened he gave us the number and we called it and it says thank you for calling Navient. Plus she left her extension number so, it concerns me that they are basically giving or would give private information to parties that are not associated with the loans they have in my name considering she left ways for them to reach her. 

What this company is doing is completely illegal, the entire above situation is the epitome of deceptive debt collecting practices, which I read about in the Fair Debt Collecting Practices Act on the FTC website. What is concerning about this deception is not knowing where and how they are finding these people and contacting them, lying about who they are as well as if they called back and see that it is indeed Navient, what would Navient do? Would they take money? Would they give away private information? The questions and concerns are endless. So not only is this company lying about who they are as well as contacting people that are not associated with this loan they are taking harassment to the next level, they never stop they are ruthless and something needs to be done to stop this company from abusing consumers like me. I would list phone number but they call from all over the country so we never know what is the right number etc.
Product: Checking or savings account

USAA uses creative accounting to maximize collection of NSF fees. USAA ALWAYS debits your account and gives debits priority over credits or deposits. If an account holder deposits money to cover a check written on the same day, USAA will hold the deposit as long as possible but submit a check as quickly as possible. Automatic deposits as well are never credited before XXXX whereas debits are removed from the account continually after midnight again maximizing USAA 's opportunities to circumvent the law and collect as many NSF fees as possible. In another troubling development, USAA in my case during the past week changed a credit card charge to what they refer to as an ACH in order to collect not one but two NSF fees on my account. It is troubling to me that USAA is taking credit card and or debit card transactions and reclassifying them as check transactions in order to collect NSF fees.

This practice is especially troubling in light of the COVID taxpayer money USAA is receiving from the Federal Government via taxpayers in a Federal attempt to minimize or prevent predatory practices such as this. I have asked USAA to credit my account {$58.00} for the illegal charges they have imposed on me, and they flatly refused.
Product: Credit card

I am a member of XXXX. XX/XX/23 They sent a message a indicating : " XXXX has identified a change in your credit information. This could be the result of a new inquiry, line of credit or a change to an existing account. '' I checked and a Khols credit card was applied for. On XX/XX/23 I received another notification about a Khols credit card being applied for. In talking with MyIdCare representative this was for the same credit card. The credit check was on XXXX and XXXX. I did not apply for a Khols credit card.
Product: Checking or savings account

During hurricane Laura, I evacuated to another city. I booked a room using XXXX. When I arrived at the hotel it was surrounded by police. I was unable to even go to the lobby. I called and cancelled the reservation and was told they would call to get a refund. After several days I received an email stating that the hotel refused to give refund and that I needed to dispute the transaction through my bank. I did, and 90 days later Chime bank told me that nothing was wrong and the dispute was closed. Upon examination of the investigation, I learned that Chime did nothing, did not even talk to any of the merchants involved. I am out XXXX through no fault of my own and upon receiving no services.
Product: Debt collection

On XX/XX/XXXX, I saw that I had a new medical debt in collection with CMRE Financial Services and the Original Creditor : XXXX XXXX XXXX XXXX. I never received any bills, nor phone calls from either company. I called CMRE the same day asking them for the contact information to XXXX XXXX  and informed them that I never received any bills. CMRE refused to provide the information and told me they made several attempts to contact me at an address and phone number I haven't had and lived at for over 10 years. The rep I spoke with attempted to collect the debt, but I refused because I needed proof of the debt first. I found XXXX XXXX 's phone number on their website, and made several calls, left messages, and sent emails, but I couldn't get through and no response. On XX/XX/XXXX, I called my health insurance company asking them if XXXX XXXX ever filed a claim with them for their services, and my insurance rep was not able to find any claims from XXXX XXXX. My insurance rep was able to put me on 3-way and called XXXX XXXX 's billing department on another number and was able to get XXXX on the phone. XXXX confirmed that they did not submit a claim because they did not have my insurance information. She also did not have the correct phone number and address for me. I asked who gave her incorrect information on me, and she let me know XXXX XXXX XXXX XXXX XXXX did. I knew this to be true because they gave the wrong information on me to all the medical companies that provided me service on XX/XX/XXXX. I had to call every single one that submitted claims to update my address and send me the bills. I even called XXXX XXXX XXXX asking them to make sure they update my information and send it to all parties that will be billing me, but apparently, they did not. I gave XXXX at XXXX XXXX my correct information and asked her to submit a claim to my insurance company. I asked her to take back the debt from CMRE and have them remove the collection from my credit report since I will pay the bill once I receive it. She told me she herself can not remove the collection until it is paid in full. I argued that it should've never went to collection in the first place since I had no knowledge of the debt and I want it to be completely removed. She told me she will take back account from CMRE, submit the claim for me, and will tell CMRE to remove the collection from my credit report. I asked her to send me that in writing that she will have CMRE remove the collection, and she said she would. I called CMRE to inform them and they told me they will only do what their client tells them to do. I filed disputes with all 3 credit bureaus, and still, no changes were made because CMRE reported back that information was accurate. As of today, XX/XX/XXXX, I still do not see a claim submitted to my insurance company. I still have not received any bills. No updates. Nothing.
Product: Credit card or prepaid card

Based on American Express nonperformance of fiduciary duties and ignorance of the law : Performance in Good Faith : I expect American Express to fulfill its fiduciary duties by promptly performing all obligations to the PRINCIPAL 'S account ending in XXXX and XXXX in good faith. 

Principal Account Reinstatement and Opening : American Express must immediately apply the funds to the open the account ending in XXXX and XXXX, which was both wrongly not credited or rendered inaccessible due to American Express fraud department ignorance of the law. The account should be executed and credited without any further delay, enabling me the agent to access the account ending in XXXX and XXXX carry out necessary financial transactions. The Payment statement in the bottom of the coupon states that American Express takes negotiable instruments as a form of payment and my form of payment was mailed in and should be applied to the account. 

Credit Issuance to Principal : To rectify the financial harm caused by American Express non-performance, the PRINCIPAL is entitled to receive credits totaling {$13000.00}. These credits must be promptly applied to the account ending in XXXX and XXXX to restore the balance to its rightful amount and compensate for any losses or damages incurred. 

Credit Limit Increase : In recognition of the inconvenience and financial harm caused by COMPANY NAME 's non-performance, I request a credit limit increase of {$15000.00} on the principal account. This increase in credit limit will provide the principal with greater financial flexibility and the ability to effectively manage their financial obligations. 

Federal Reserve Act Section 29 Fine Collected : The violation of the Federal Reserve Act Section 29 due to American Expresss non-performance of fiduciary duties, I demand that a fine of {>= $1,000,000} be imposed on American Express. This fine serves as a measure of 15 days of notices to American Express to ensure American Express compliance with its fiduciary obligations and to discourage any future negligence, patterns or ignorance of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit report is showing XXXX XXXX XXXX which is myself AND XXXX XXXX XXXX  who is not me. I only have one social security number and one name. I need this to be removed immediately.
Product: Money transfer, virtual currency, or money service

I have XXXX or more days trying to fix this problem, and I already wasted my time and money trying to solve this issue with a professional help, so I am about to processed with a demand for the money I still have in holding because the bank doesnt solve my problems and they still ; after a week waiting you still want me to give more information. 
I am a government agent so i am not talking about {$100000.00} or {>= $1,000,000}! 

After all this week waiting, for nothing, I reuse to waste my energy talking with you guys, because my movements are about trillions!! A number XXXX for XXXX you do not know! So you have XXXX options XXXX is, deposit XXXX XXXX in my bank account with out problems, just only to help me paying the interest you make me grow up justifying your mistakes! Or XXXX XXXX sorry but I am proceeding with a demand that is going to cost more than XXXXXXXX XXXX, and for XXXX that I have a federal responsibility! 

Attempting : XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the fraudulent accounts listed below, which have been opened in my name without my knowledge or consent. These accounts have been reported to the credit bureaus TransUnion, XXXX, and XXXX, and are a direct result of identity theft. I believe these accounts violate multiple consumer protection laws, including the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., which mandates the accurate reporting of credit information ; the Identity Theft and Assumption Deterrence Act, 18 U.S.C. 1028, which criminalizes the unauthorized use of personal information ; and the Consumer Credit Protection Act ( CCPA ), 15 U.S.C. 1601 et seq., which ensures the accuracy and integrity of credit reporting. Despite my efforts to resolve this matter with the credit reporting agencies, these fraudulent accounts remain on my credit report, and I am requesting the intervention of the Consumer Financial Protection Bureau to ensure these violations are addressed and my credit report is corrected. 

The accounts are listed as the following : XXXX XXXX - Account Number : XXXX XXXX  XXXX - Account Number : XXXX XXXX  - Account Number : XXXX I have not authorized any transactions or accounts with these institutions, and I believe these entries are the result of identity theft or fraud. I kindly request an investigation into these accounts and the removal of any fraudulent entries from my credit report. These accounts and their immediate removal from my credit report. I have attached a copy of the FTC report as well as my ID etc.
Product: Debt collection

XX/XX/XXXX - call and spoke to an agent about this credit and collections letter. The agent reiterated what was in the letter ( attempt to collect a debt ). Allegedly an account from XXXX. I did dispute to try and get more information. The collection agency just resent the original letter, with the amount due, and a date. No other details. The agent said this is considered proof of debt and this had been reported to the major credit bureaus. 

In order to get this off my credit, I inquired what a settlement would look like. Initial agent said their system generates a settlement offer, and my offer was 80 % of the debt claimed ( total debt allegedly is {$1900.00} ). I asked if a supervisor or a company leader would be able to negotiate this down. Even though I am not confirming the debt validity, I need this off my credit. It was a this time, the agent then told me the account was not reported to the credit bureaus despite moments before telling me it was. I asked for a supervisor. 

XXXX took my call and regurgitated her agent 's talking points. I asked for the offer letter in writing ; she said she could not do that. I asked if I agreed to their payment plan could I get that in writing, she said no. I then asked, if I make payments, will that ensure no credit reporting ( once we make an agreement ) ; the answer again is no. 

To conclude- they won't provide debt validation ( other than just resending the original letter ). My good faith attempts to resolve this end up in a dead end. 

I am reporting this behavior and request intervention.
Product: Credit reporting or other personal consumer reports

This account XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, SC XXXX should be delete and removed from my credit report. I do not recognize this account, and I think that it was created fraudulently. I've filed disputes with the company and the credit bureaus already.
Product: Mortgage

Better.com assured us during our refinance that they would be able to pay the homeowners insurance they collected after closing as the renewal was due more than 60 days out. 
Our renewal with XXXX insurance is not until XX/XX/2021. 
Better closed on our loan and three weeks later as of todays date the homeowners is not paid.

Also, they collected six months of insurance against our desire, we tried to argue with them but they would not remove the additional collection. This is against guideline. You collect 60 to 90 days of insurance to be paid after closing on a customer that pays month to month and is not escrow/impounded.

Now Better.com is saying they can not pay the homeowners insurance until the renewal is out.

Do you think holding our money for three months is legitimate or fair?

Do you think giving two stories, we can pay it after closing as the renewal is not due for 60 days then saying we can not pay it until the renewal is out, is fair?

They did not respond to numerous emails and requests for weeks and now the renewal is no longer sixty days out. 
This is deliberate retaliation. 
Please see attached XXXX, Better keeps insisting they collected three months but they collected SIX.

See where it says " renewal '' and there is a second collection.

See the initial CD where they had three months.

This company needs to be held accountable.

Our loan amount is {$700.00} higher due to them collecting six months.

They keep insisting they collected three months.

So they need to collect three months for the policy and three more for the renewal? 
This is unheard of ~ and I have on email they need to collect 60 days only, its a concern for all homeowners and I am from this industry so luckily know better. No pun intended.
Product: Debt collection

I already have a payment set up for my past due amount to be paid and I keep receiving over XXXX calls a day from this debt collector. They leave very scary and threatening voicemails and when I try to call back and tell them I have a payment set up already the number doesnt exist.
Product: Credit reporting or other personal consumer reports

According to FCRA 605B, we must remove any incorrect accounts from my credit report. Can you please examine the documents? There are inaccuracies in the reporting, amounts, and dates of some listed accounts.