23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Dear CFPB Team, I am writing to formally dispute an issue regarding my credit report and payments related to my cell phone service provider. My company switched my cell phone service from XXXX to XXXX in XX/XX/XXXX. As part of this transition, I continued to pay XXXX for services rendered in XXXX and XX/XX/XXXX, even though my company also began paying XXXX in XXXX. 

Unfortunately, I lost access to my XXXX account during this transfer, which has complicated my situation further. To date, XXXX has not refunded the additional payments I made to them in XX/XX/XXXX. 

In XX/XX/XXXX, I received an alert indicating that I had an account in collections by Diversified ADJ SVC for {$190.00}. This was surprising to me as I have a 100 % pay history. I attempted to investigate this issue by reaching out to the XXXX major credit bureausXXXX, XXXX, and XXXX. While XXXX removed the negative report from my credit file, both XXXX and XXXX have not taken similar action. 

I am requesting your assistance in resolving this matter. I believe that my credit report should accurately reflect my payment history and the transition from XXXX to XXXX. I would appreciate your guidance on how to proceed and ensure that this issue is rectified. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX This is not my account. I was XXXX This is identity theft.
Product: Mortgage

We have been many months trying to communicate with National Asset Mortgage. Various phone calls, emails to establish a communication for how interest appears to be over charged on my account each month via statement and via a statement print off sent to me by National Asset Mortgage still with no comminication back. 
On a balance of XXXX at 10 % interest I was charged XXXX when the math works out to XXXX which is also what my XX/XX/2023 statement shows owed. 
My XX/XX/2023 statement shows I owe XXXX in interest on a balance of XXXX and this would be a correct calculation. However ; I was charged XXXX This has continued for many months prior. None of the monthly interest payments are correct for quite some time as far as I can tell. The latest several months I have been charged more than what I was 2 years ago in monthly interest even after having paid off about XXXX of the principal.
Product: Checking or savings account

On XX/XX/2023 I received a text asking if I had purchased {$700.00} at a XXXX XXXX I then received text asking if I had spent {$230.00} at XXXX XXXX restaurant. Immediately I responded to these and said no that was not me. These charges were made in Florida and I live in XXXX California. XXXX has been terrible accusing me I feel of being the one who has done this. I am now homeless because of this and they have not responded to anything I've requested today XX/XX/2023 they told me the case is closed and that I should not expect any reimbursement for the {$980.00} that was fraudulently charged to my debit card. I've been XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  regarding this situation. XXXX has had no compassion and have told me on numerous occasions that they could no longer do business with me and that all of my accounts would be closed immediately. I have followed every rule or order that they have asked me to do I have gone into the branch provided them my social security card along with my debit card and my California driver 's license. There are so many things on my cash management account that are unexplainable. Deposits in the amount of {$11000.00} and one for {$4000.00} that I have no clue what they are and they show rejected and were made on the mobile app. There are so many discrepancies and XXXX would not talk to me any further today when I talk to the representative about a direct deposit from Social Security XXXX he told me that there was no attempt made. I've spoken with Social Security on two occasions and they have reassured me yes they did make the attempts to deposit the check at XXXX. They are now doing a tracer on my deposit. XXXX has left me homeless I lost my apartment because I could not make a payment I'm going to lose my storage because I can not make a payment my credit has gone down tremendously because I can not make credit card payments. XXXX has treated me terribly and I have never had problems with them before. Please help me I'm desperate I am homeless and I am scared. I'm a XXXX XXXX XXXX man with a XXXX XXXX and have already had XXXX XXXX XXXX and undergone XXXX XXXX XXXX XXXX XXXX. Please help me to recover this fraudulent money that was never reimbursed to me. I've never had any problems with XXXX up until now, and I am so upset with their lack of compassion. The left doesn't know what the right is doing and the fraudulent team have not helped at all. Please help me recover this money.
Product: Checking or savings account

On XX/XX/XXXX, I noticed a series of payments Regions approved, which caused my checking account to be negative. I had previously unenrolled from their Overdraft Protection services. I was informed by the banker I spoke to that Regions has TWO Overdraft policies. A XXXX XXXX and a true Overdraft Protection, which the bank would use their *discretion* to make payments on my behalf. I have declined this service several times. Nearly {$700.00} was taken from my account in Overdraft Fees. 

Additionally, I have a savings account and a secured line of credit. When making payments from the savings account, which has 4x the amount of the payment, they will compare it against my secure line of credit and if it is LESS than the savings account, they will return the payment. 

These are two separate accounts. I paid a deposit to open the XXXX account. As a result, I am getting assessed return fees by merchants/creditors for this fraudulent practices. 

I see back in XXXX, they paid damages based on the same practices. XXXX XXXX XXXXXXXX They would not compensated me for the financial hardship they are creating by deceiving consumers and stealing money.
Product: Bank account or service

I have been getting calls starting early morning to late at night from XXXX. I called them this morning after a call from them at XXXX. When I got a service rep, she told me I could do nothing about the calls and that since I was n't a customer I could not speak to a supervisor. She told me that only the person who owned the account could take my number off their list. This is from PNC bank and I have no accounts with that bank and never have! What am I suppose to do to get them to quit calling me?
Product: Credit card

I requested online through Amazon a Visa credit card issued by Chase. I was approved immediately online, which I expected because of my long-standing credit card account with Chase. 
Today I received my card in the mail. It was issued in the wrong name - XXXX - the name of my wife 's ( XXXX ) former husband!!! 

How this offensive mistake happened is beyond me. l did NOT ask that my wife be on this new Chase card. My wife is NOT on my current Chase card. My wife is NOT on my Amazon account. I have never communicated any PII about my wife to Chase or Amazon. 

The very courteous call center representative I just spoke to is arranging for me to get a new card shortly. I still want the card, but I also want to understand what privacy and system breaches occurred to allow this mistake to happen.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX Balance : - XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX XXXX, IL XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

These hard inquieries are fraudulent and doesn't belong to me and need to be removed.Also the nest as well. Thanks. 

XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> FLORIDA XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to XXXX XXXX XXXX, Equifax Information Services XXXX LLC, and XXXX XXXX XXXX XXXX because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency. They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. My credit report is still reporting an accounts for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. This has cause me great anxiety, stress, and financial hardship.
Product: Debt collection

The original creditor XXXX XXXX XXXX  has recognized this item as identify theft and no longer reports to the credit bureaus, or has been blocked from reporting by the credit bureaus. CKS Prime investments is a third party debt collect they sold the debt to before the investigation was complete. Because the original creditor recognizes this account for what it is, I request that the third party debt collector, CKS Prime investments do the same, and either voluntarily stop reporting, or the Credit bureaus should recognize this as party of the original debt that has been resolved and block CKS from further collection attempts including credit reporting.
Product: Credit card or prepaid card

Netspend prepaid cards, they have many XXXX XXXX, XXXX XXXX, XXXX, seversl others. As we all know it is Netspends and others job to fund your card, hence the name PRE-paid. Ive called several times, they say no thats not how it works. Will charge you for not using the card. Just a pkoy for ne and others to drain funds
Product: Credit reporting or other personal consumer reports

It has come to my attention, that XXXX XXXX XXXXXXXX XXXX from XXXX  has transfer an account to XXXX XXXX XXXX. Immediately after I have put them on notice of Identity Theft. See FTC report # XXXX attached. XXXX XXXX XXXX is refusing to discuss my concern about their acct # XXXX, balance {$2200.00} Without first verifying the information they have on file. How can I verify information that doesn't belong to me? 


Debt Collection Practices laws 15 USC 1692c., 15 USC 1692d., 15 USC 1692e. , 15 USC 1692f, 15 USC 1692g., and 15 USC 1692j.
Product: Credit reporting or other personal consumer reports

I have recently noticed some fraudulent accounts on my consumer report that are affecting my personal life.
Product: Debt collection

Express Recovery Services operating in XXXX XXXX XXXX, UT reported outstanding medical bills to the credit bureaus in early XXXX. I never received any contact from original creditor or from the collection agency. They have violated FDCPA 809 ( a ). I found out about this when I pulled my credit mid to late XXXX. When I called Express Recovery Services to get more information I was told over the phone that if I didn't pay I would be sued. I requested a pay for delete from my credit report, but they have not removed this from my credit. It is listed as Paid with still negative impact on my credit.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking.

ACCOUNTS : XXXX XXXX - XXXX - XX/XX/XXXX - {$36000.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$4500.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$10000.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$2700.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : XXXX. XXXX  - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

XXXXXXXX XXXX XXXX Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

XXXX XXXX  - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

XXXX. XXXX  - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

XXXX. XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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 XXXXXX/XX/XXXX
Product: Mortgage

Dispute for PMI for loan number XXXX Hello, My name is XXXX XXXX. My wife and I closed loan with XXXX XXXX XXXX on XXXX XXXX, 2016. Now that loan is sold to and served by Wells Fargo Bank. 

I tried to call at Customer Service Dept of Wells Fargo ( XXXX XXXX XXXX ) for exact amount I need to pay for removing PMI. As per guideline with XXXX % LTV of my loan value, PMI should be removed. To my shock, I was told that there are instructions in your system on file that PMI can only be removed only if LTV is XXXX % or less. I have MI certificate from XXXX for refrence. My current LTV is XXXX % ( as per CSR XXXX who told me during my call with her ) and I am ready to pay difference to remove PMI. I need to know how much amount do I need to pay with XXXX % LTV. I was never told that XXXX % is minimum LTV I need to have to get rid of PMI. 
Wells fargo is saying that my PMI can only be removed once LTV is less than XXXX %. 
Thanks
Product: Checking or savings account

I cancelled my car XXXXnsurance because medically I was no longer able to drive. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I also, received a letter to show that it was confirmed and cancelled. Bank of America, allowed them to keep taking money out of my account for 9 months. I am XXXX and barely scrape by on my social security. I called dozens of times, to file my dispute and I submitted documentation only to have them say that the merchant did not respond so I would not be entitled to any further dispute. I was told so many times that I would receive a credit to my account if they did not respond. A manager had told me at Bank of America that I needed to file another dispute. The insurance was cancelled and the letter was dated XX/XX/2022 and I called to put stop payment on it in XX/XX/2022 because I had major XXXX and was in XXXX  between then I was also unable to handle it any earlier. Bank of America also asked for medical records showing I was in the hospital I dont know if thats even legal. I also called the insurance company and was told that they sold the company to someone else I would have to call that number that new insurance company which they had no record of my account. It was {$670.00} total.
Product: Credit reporting or other personal consumer reports

My credit report contains errors related to 15 USC 16c-2, showing inquiries that I never authorized. This wrong information is harming my credit, and I request the removal of all unauthorized hard inquiries. Thank you!
Product: Money transfer, virtual currency, or money service

I filed a dispute with chase on XXXX regarding a duplicate transaction posting to my account. I received a denial letter stating XXXX provided proof that the transaction is valid. I requested information to prove this info. I never received this information. I was told by XXXX because this is person to person I can not dispute it. I asked Chase to look into this, I was not given a complete answer as to how the investigation was not in my favor. I was not given any documentation to prove that the charge was valid. I was not allowed to dispute the second transaction as fraud or as being not authorized. I am very frustrated because i was told I authorized the two transactions per my messages, it only shows ONE charge of {$30.00} being sent to an individual. I have been told because it was proved by the other company that I had to agree to make the payment ( s ) my dispute was denied. I have already attested that I use XXXX XXXX before submitting the transaction. It is impossible for me to submit two transactions at that same time. Meaning, it is impossible to confirm two transactions within the same minute. I have already stated I would have simply sent the invidual {$60.00} instead of the {$30.00}. I plan to pursue this in court
Product: Credit reporting or other personal consumer reports

I have recently discovered unauthorized information on my consumer report resulting from identity theft. I never provided written permission or instructions for the identified transactions to be reported. This is a clear violation of my rights, and I demand that you BLOCK and DELETE this information without delay. 

XXXX XXXX  XXXX XXXX : Account # XXXX XXXX XXXX  XXXX XXXX XXXX Account # XXXX XXXX XXXX  XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX I don't understand how this account is reporting several different amounts of money owed from XXXX XXXX with the account numbers reporting in different ways this is blatantly absurd and I'm disappointed because its plain and clear these companies are not doing their jobs XXXX XXXX XXXX XXXX Account # XXXX XXXX  XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX Pursuant to 18 USC 8, I owe these companies no debt, this is violating my consumer rights to privacy to 15 USC 1681 b XXXX companies has also no permission to report anything using my information pursuant to 15 USC 1681 4.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sterling Jewelers continues to sale and resale account which was never provided with a validation of signature and contest to contract. Company hired XXXX XXXX XXXX XXXX to send threating letters to address with aggressive calling. Disputed this once before and Sterling never validated request and did not comply to request according to FCRA Guidelines.
Product: Prepaid card

Bought the card on XXXX at a XXXX using cash and tried to use it at XXXX XXXX online store and it kept declining. I tried it at several other stores just to make sure and it still declining
Product: Debt collection

This company has reaged a debt that was from XXXX as XXXX it is being reported inaccurately also they never sent me notice of this debt and put it on my credit files. I want it removed from all XXXX beaures
Product: Credit card or prepaid card

On XX/XX/2022, I used my Capital One credit card to purchase flights from the XXXX website. Later that same day, I called XXXX to modify my reservations and was advised that this would cause additional fees. I told the agent to cancel my reservations and was place on hold. Capital One apparently suspected fraud and utilized its Account Validation system to prevent XXXX from proceeding to charge without my permission. It worked. I hung up from holding with XXXX and called Capital One. The Capital One agent advised that the charges could not yet be disputed as they were still pending but unfroze my card and said these charges would all be considered disputed once processed. 

Subsequently, both XXXX and I submitted documentation to Capital One. Although initially agreeing with me that these charges were unauthorized, Capital One has now reinstated most of the disputed charges. 

XXXX has falsely claimed that I agreed to settle this dispute. Despite my demand, Capital One has not provided any evidence ( since there can not be any ). 

Capital One has not formally acknowledged my responses disputing these charges. I have still not received and only learned of Capital Ones XX/XX/XXXX letter regarding a related claim by visiting your website. Its messaging web page is used only to memorialize communications favorable to the Bank.
Product: Credit card

I purchased {$17.00} worth of merchandise at a XXXX XXXX  on XX/XX/XXXX. I was billed by Comenity Bank and paid the full balance of {$17.00} on XX/XX/XXXX. ( The due date ), according to my records. I did not use the card again and did not see any new statements. It came on my radar in XXXX, I believe, that interest and late fees were accruing because the bank recorded that my payment was XXXX day late. I called and was told they would refund most of the late fees and that I would have to dispute the rest online. However, there is no mechanism for disputing late charges. Meanwhile, the bank has reinstated and added new late charges and interest before resolution took place. I now owe an additional {$94.00} on a {$17.00} purchase. I have asked the bank to freeze the account and stop late charges while we work on a resolution. It is ridiculous that Im being charged {$110.00} for {$17.00} worth of merchandise because of a 1 day discrepancy.
Product: Credit card

I had a credit card account with Citi Bank. I recently turned over my credit card debt to XXXX XXXX XXXX as I became insolvent. I changed my profile information on my Citi Bank account to the contact information for XXXX XXXX XXXX. However, Citi Bank began calling an old number they had on file for where I once lived some years ago with my sister. 
Citi Bank is now calling my sister 's telephone number multiple times day and night and weekends. 
My attempts at contact with Citi Bank have failed.