23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was a victim of identity theft crimes. The criminal ( s ) used my identity to apply for many credit cards, used them and left without paying. I filed for a police report and explained my situation to all the banks and collectors. I called and talked with some collectors, emailed them the police reports. Still, some collectors chased me asking me to pay, even if they knew I was a victim and they got the police report. 

One of this collector is called Debtsy. Here 's the contact : XXXX at XXXX | XXXX  XXXX | XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX How did they get my email address? When I called and talked to someone at Debtsy, I offered to email them the police report. They got my email and police report. Instead of believing what I said, they continued writing to me, asking me to pay. These banks issued credit cards without adequately checking the identity of the applicants. They approved the applications without even seeing the applicants. 
Here 's what I received from XXXX, " I work with Debtsy, the company hired to collect on your XXXX XXXX XXXX XXXX balance. This account was originated by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX but is currently owned by XXXX XXXX XXXX, XXXX. We're contacting you about your overdue balance of {$720.00} for the account ending in XXXX. '' By the way, I have already called XXXX XXXX many months ago and also contacted XXXX XXXX XXXX about this debt being the result of a fraudulent act, not my own doing. Still they sent it to the collector. It is frustrating and it's so hard to get rid of these people. 

By the way, they also added it to my credit score. I was victimized not once but more than twice, first by the identity thieves, second by the banks and the collectors!

I would like to see the identity thieves, the banks and their hired collectors receiving due punishment for they have wrongly done. I'd like to see justice is done and the innocents are protected in the end!
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX i reviewed my credit report an noticed that my dispute reinvestigation dated XX/XX/XXXX was completed and the the inaccurate reported public record [ bankruptcy chapterXXXX ] was verified an remained on my file i contact transunion and spoke with a rep as well as a supervisor and pointed out the documents i mailed in which discredits there verification of this public record and i was told they would reinvestigate if i wanted them to when i clearly proven they couldnt have done there job an remove this from my file its a clear violation of the fcra to keep reporting this i also wrote them and ask for method of verification and had not received anything after i mentioned it to the supervisor i was told she would do a phone verification of the record to satisfy my concerns but stated if she was unable to get the clerk of the court to verify the item would still remain i dont understand how they can get away with this and im demanding deletion of this record of my file
Product: Vehicle loan or lease

This is a follow up for COMPLAIN ID XXXX CHRYSLER CAPITAL just came with another balance I'm supposed to pay after 2 year I returned this car and paid the full amount they asked me to pay. 

Now my account reflects {$370.00} They keep trying to charge me money for no reason.
Product: Mortgage

We bought our home with a VA backed loan on XXXX XX/XX/XXXX. We were later notified that the new loan servicer would be Amerihome Mortgage Company. 
We have always paid as agreed. 
When we applied for our homestead exemption in the County where we live, we were told that since the home did not previously have a homestead exemption filed, we would be charged the regular ( non-homestead ) amount for taxes this year, and the benefit of the homestead exemption would begin in XX/XX/XXXX ( a 50 % reduction in the tax amount ). 
When the taxes were paid by the servicer, on XXXX XX/XX/XXXX we realized that they had calculated the escrow amount to withdraw based on the expected tax with a homestead exemption and not the actual. This resulted in an escrow advance of {$230.00}. We called the servicer and explained what we saw and they said the servicer would be performing an escrow analysis in XX/XX/XXXX and they needed to see a certain balance ( I believe it was {$1600.00} ) in the escrow account or the payment would increase. 
We calculated the amount the servicer would need to have a sufficient amount for the insurance payment including the two month cushion as allowed by law and submitted that payment on XXXX XX/XX/XXXX ( as an escrow payment ) That amount was {$1700.00}, and set the amount in escrow sufficient to pay the upcoming insurance in XX/XX/XXXX. 
The homeowner 's insurance was paid by the servicer on XXXX XX/XX/XXXX, and there were still sufficient funds remaining to pay the normal tax that would be due in XX/XX/XXXX. 
We then received an escrow analysis which increased our payment from {$1400.00} to {$1600.00} for XX/XX/XXXX. That escrow analysis now used the higher amount for taxes in their calculation ( 50 % higher ), and were coming up with an incorrect escrow payment.

We have attempted to contact the company numerous times via secure messaging and submitted the tax notice from the County as instructed by some of their automated return messages. No one from the company will contact us, and we called last week XXXX XX/XX/XXXX, but the person on the phone just said someone would contact us, and acknowledged that someone should have returned a message. 
Now the payment has increased to {$1600.00} without any explanation as to why this occurred. We have tried to be patient, but at this point we need a mediator or dispute resolution help as this company does not wish to communicate with us at all.
Product: Debt collection

I reported XXXX to the FTC and my debt was cleared and my membership cancelled. XXXX made unauthorized checking account withdrawals. The account ended in XX/XX/2019. Ive responded to the collectors as well as XXXX. XXXX agrees I do not owe. Collectors are still harassing me.
Product: Credit card

I pay my Synchrony XXXX XXXX  4 days in advance with XXXX  XXXX XXXX electronic bill pay. Now every month I receive a late charge of {$41.00} from Synchrony XXXX XXXX. At first they said my payment was late which was not true. A supervisor then said my payment was put on a Service Hold because I made another payment a day later. ( Making 2 payments in close proximity triggers a Hold according to XXXX XXXX XXXX. 

I was on an online chat wit XXXX and XXXX XXXX and they both refused to answer my question on how to find my statements on the website 8 times. I was on the chat for XXXX hours and they disconnected me 9 times. They were clearly trying to wear me out and disconnect me. Each time I had to go through a lengthy process to log back in and receive security code to return to the useless chat. XXXX XXXX told me the only way to see my statement is to request it with secure messaging. I later found it by myself. 

I have proof from XXXX  XXXX XXXX that I paid early but they both refused to tell me how I could send it. They only waive late fees once/year. IT IS CRIMINAL THAT I RECEIVED A {$41.00} LATE FEE FOR MAKING MULTIPLE EARLY PAYMENTS WELL OVER THE MINIMUM. 

XXXX is a criminal enterprise fleecing the public with late fees. There is no XXXX competent or intelligent enough to resolve this with. They have limited comprehension and their systems are broken. 

The phone message says that even if paid electronically it needs to arrive 6 days in advance. Therefore they have a false due date. XXXX  XXXX XXXX guaentees that it will arrive on the date set. I have proof that it was. XXXX delayed processing of it to generate {$41.00} late fee. They started doing this in 2024 and have charged me {$41.00} every month despite paying more than the minimum due 4 days early. 

It appears that the only way to deal with XXXX is with the XXXX XXXX XXXX and FDIC. 

I want to speak with someone competent that understands XXXX. 

Account number is unavailable since never received a paper statement. Online statement only shows last XXXX digits. They have NEVER provided an account number.
Product: Debt collection

I received a call from a debt collector from Credence Resource Management, XX/XX/2022 about an alleged debt from XXXX XXXX in the amount of {$11000.00}. I told them to send me something in writing because I never owned an XXXX XXXX account. They said it was opened in XXXX I told them this is fraud. 
XX/XX/2022 I sent them a validation letter and they responded that the debt was recalled from Credence Resource Management LLC and returned back to XXXX XXXX XXXX on XX/XX/2022. 
I have submitted a police report along with an FTC Identity Theft Report to XXXX XXXX XXXX fraud department as well as Identity Theft Affidavit. I did not receive any information back on the investigation. 
XX/XX/2022 Credence Resource Management LLC has now reported this fraudulent account onto my credit report.
Product: Checking or savings account

My name is XXXX XXXX I need a update on claim XXXX if it is denied reopen it and investigation again because I disagree with the decision on it and then give me the new decision on it when it is review again and reopen etc and look at the attachment below please etc and the other claim is to it is XXXX  so please reopen it and investigation again if it get denied because I disagree with the decision and give me the new decision to it please etc.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, I sent EXPERIAN a letter requesting my personal information to be updated and to receive a updated copy of my Consumer Report sent to me via mail. 
I have yet to receive a response!
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the presence of fraudulent information on my credit report, in accordance with 15 U.S.C. 1681c-2, and to request the immediate blocking and removal of this information. Enclosed with this letter is a copy of my police report, along with the identity theft report filed with the Federal Trade Commission ( FTC REPORT NUMBER : XXXX ) as supporting evidence of my identity theft claim. 

Pursuant to 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies are required to block any information identified by the consumer as fraudulent within four ( 4 ) business days.

The following information on my credit report is the result of identity theft and must be blocked and removed immediately : XXXX / XXXX Additional Legal Basis : Violation of Section XXXX of the FCRA Additionally, 15 U.S.C. 1681b establishes the permissible purposes under which a credit bureau may provide a credit report to third parties. This law clearly states that a credit bureau may only furnish a consumer report under specific circumstances, XXXX of which includes obtaining the XXXX XXXX written consent. 

As I never provided written or express consent for the inclusion or reporting of the fraudulent information in question, there is no valid legal basis for this information to remain on my credit file.

Requested Actions Immediate blocking and removal of the fraudulent account listed above.

Written confirmation of the removal of the fraudulent information.

Assurance that the deleted information will not be reinserted into my credit report in the future.

Several times, I have contacted the credit bureau reporting this fraudulent account on my report, yet CREDIT BUREAU has failed to provide a solution to this issue. This situation has significantly affected me, preventing me from acquiring a new home for my children. Furthermore, this account has already been deleted and not verified by other bureaus, which raises concerns as to why it remains on my report.

I have requested contracts from the company in question containing my information, yet after more than XXXX  days, I have not received any response. Please help me delete this account immediately. I am once again attaching the FTC report in the hope that you will make a fair decision regarding my case.

I appreciate your prompt response and resolution to this matter. I expect a reply within the legally required timeframe.
Product: Credit reporting, credit repair services, or other personal consumer reports

I WANT TO NOTIFY THAT I RECENTLY FOUND OUT A FRAUDULENT ACCOUNT IN MY CREDIT REPORT. I AM A VICTIM OF IDENTITY THEFT, AND SOMEBODY USED MY PERSONAL INFORMATION AND OPENED A FRAUDULENT ACCOUNT UNDER MY NAME. I DID NOT AUTHORIZE ANYONE TO USE MY PERSONAL INFORMATION AND OPEN AN ACCOUNT BY DISCOVER FINANCIAL SERVICES. PLEASE TAKE ALL APPROPRIATE STEPS TO REMOVE THIS FRAUDULENT ACCOUNT FROM MY CREDIT FILE.
Product: Debt collection

I was in and out of the XXXX  numerous times as well as XXXX XXXX. While I have worked with numerous collection agencies I do have XXXX  / spam blocker on my phone, as I also get many non legitimate calls daily.

JJross I have not actually talked to one time. I have not received physical mail, email from the agency.

All other agencies have worked with me and also have told many that I am pursuing bankruptcy and they kindly notate the account.

To put a derogatory mark on my credit without every form of communication is unethical. This was reported on XX/XX/XXXX. 

Lender : L J ROSS ASSOCIATES IN Account number : XXXXXXXX 
Date status reported : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

To whom it may concern I sent a dispute letter to XXXX on XX/XX/XXXX via certified mail with a return receipt. Informing them about a comenity bank account reporting inaccurate information on my credit report. Comenity bank was reporting a / XXXX account on my credit report that they sold to XXXX  XXXX XXXX XXXX back on XX/XX/XXXX. Today XX/XX/XXXX I received a letter from XXXX  XXXX XXXX XXXX stating that this account should have been deleted. XXXX refused to delete this account and constantly violated my consumer rights and just sending me generated responses letter. I need this matter resolved immediately because their the only credit agency that wont remove this & its causing me damage to my consumer report. I never gave XXXX written consent or permissible purposes to report any account on my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to cosign for my cousin a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts. 

DEPTEDXXXX XXXX {$4500.00} XXXX XXXX   XXXX {$0.00} DEPTXXXX  XXXX {$1100.00} XXXX  XXXX XXXX {$420.00} XXXX XXXX XXXX   XXXX {$430.00} XXXX XXXX XXXX {$550.00} DEPTXXXX XXXX {$3500.00} XXXX  XXXX {$9500.00} XXXX XXXX XXXX XXXX {$380.00} XXXX XXXX XXXX XXXX {$1500.00} XXXX XXXX   XXXX {$440.00} XXXX XXXX XXXX XXXX {$130.00} XXXX  XXXX {$1300.00} XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX {$63.00} XXXX XXXX   XXXX {$300.00} XXXX  XXXX {$440.00} XXXX  XXXX {$4500.00} XXXX  XXXX {$6000.00}
Product: Credit card or prepaid card

American Express discriminated against me in the application process. Amex does not use equal standards and requirements as required by law in deciding whether to extend credit. Amex uses prohibited criteria in the extension of credit and does not apply the same standards across the board for all applications. Amex decides on what requirements to apply to different individuals based on age, sex, race, religion or other prohibited criteria. Many other people have the same type of complaints against American Express.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several hard inquiries on my Transunion credit report that I didnt do. I only apply for pre approved credit cards. These even some that was done twice in the same day. Thank you for your time. On those inquiries XXXX XXXX  is mine XXXX XXXX is mine and XXXX XXXX is mine. Those three only are mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a secured credit card with XXXX XXXX XXXX XXXX that we past due 2 months. I caught up the payments and paid off the balance. On my Experian and XXXX report is show collection/chargeoff account. The account was past due 2 months but was paid off in full.
Product: Vehicle loan or lease

In XX/XX/XXXX, I purchased a vehicle financed through Credit Acceptance Corp. I began making the corresponding monthly payments. The vehicle had a cost of {$12000.00} and was subject to an extremely high interest rate. 

Despite making my payments, in XX/XX/XXXX, due to the XXXX pandemic, I requested a deferment on my monthly payments for a period of 9 months. By XX/XX/XXXX, the abusive interest rates applied by Credit Acceptance made the debt difficult to manage. Due to this situation, I decided to proceed with a voluntary repossession of the vehicle. The dealership informed me that the vehicle would be sold or auctioned and that I would later be notified of the remaining balance on the debt. 

Approximately XXXX years have passed since the beginning of this situation with Credit Acceptance, until I learned that the company had been sued for high interest rates and lack of transparency in their contracts. Furthermore, this has become an issue on my credit report, as despite a court ruling that obligates the company to remove the negative report from credit records, Credit Acceptance continues to refuse to repair the damage and to correct the arbitrariness in their contracts and interest rates.
Product: Debt collection

Received notification that collection has been placed on my credit file. This company did not verify the debt belongs to me. This company is in violation of the FCRA reporting standards.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX XXXX XXXX and Capital One Bank USA. The Account Opened is XXXX XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. The Account Opened is Capital One Bank USA Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4000.00}. The Account Opened is Capital One Bank USA Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Product: Mortgage

Around XX/XX/XXXX I started the loan application To refinance my home, the home that I had bought on XX/XX/XXXX and that I had Finance with the same bank which is Ally bank after XX/XX/XXXX I provided all the paperwork I was requested I was preapproved and further into the loan I had locked my rate, days before closing I was requested additional proof of income, I am self-employed, since that request I was even requested more proof of income additional proof of income in my eyes I had already put it all the income that he requested he got to the point where I felt my application was in jeopardy My loan was in jeopardy, I spoke to several managers in via email I got in contact with escalations team which said to in writing they bank made a mistake and that they dont give loans to people that do XXXX to my surprise. 
Which I know is not true.What I am requesting from the bank is to complete and process the loan of refinance with the terms I was offered.
Product: Money transfer, virtual currency, or money service

Square owes me over {$8000.00}. Our account got closed and our balance was supposed to be released to us 90 days after they closed it. I got an email saying the release date was XX/XX/XXXX. I have called every single day since then and responded to the emails they told me to and every time I call they either disconnect me or say oh sorry the system is down. Every single day I need that money because it is mine. I have now lost money in my business because of this.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX To : TransUnion XXXX XXXX XXXX XXXX, PA XXXX Subject : Request to Remove Fraudulent Accounts Due to Identity Theft Dear TransUnion, I am writing to formally dispute and request the removal of fraudulent accounts from my credit report. I am a victim of identity theft, and my personal information was compromised in the XXXX data breach. The following accounts were fraudulently opened in my name without my consent : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXX XXXX. XXXX XXXX XXXX - XXXX I respectfully request that you block and remove these accounts from my credit report as required by the Fair Credit Reporting Act ( FCRA ). To support my claim, I am enclosing the following documentation : 1. A copy of the police report or FTC Identity Theft Report.

2. A copy of my government-issued photo ID.

3. A copy of proof of residence ( e.g., utility bill or bank statement ).

4. A copy of my credit report highlighting the fraudulent accounts. 

Under the FCRA, I understand that you are required to investigate and remove fraudulent information from my credit report within 30 days. Additionally, I request that a fraud alert be placed on my file to prevent further fraudulent activity. 

Please confirm in writing once the disputed accounts have been removed and my credit report has been updated. If you need further information to process this request, feel free to contact me at [ Your Phone Number ] or [ Your Email Address ]. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX Enclosures : Copy of police report or FTC Identity Theft Report Copy of government-issued ID Proof of residence Copy of credit report with highlighted fraudulent accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

Letters was sent to Equifax and XXXX  credit bureau over 30 days ago and we receive no response from them.
Product: Debt collection

XXXX called me at work, since I am unable to take personal calls, I disconnected the call. They then called back and must of asked for a manager. I then got a call from him telling me this company called and gave him a phone number and case id and that I needed to call them because they were trying to serve me a court summons. I called them back after work, but since I had already paid the debt off. I informed them of this and told them to stop calling. No calls since then.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information in my file. 

This item XXXX XXXX XXXX for {$340.00}, XXXX XXXX XXXX XXXX, and Conn 's Credit entries are inaccurate because I did not own any of these items charged to these accounts and I do not own any account listed as such. I am requesting that the item be removed to correct the information. 
Please review all of my supporting documents including letters to XXXX since the debt that they claimed I owed so long ago was false and now under a different name XXXX XXXX. I do not owe this debt. XXXX has removed this info at one time. It was also transferred over to XXXX XXXX XXXX, XXXX, and XXXX XXXX at one point. All of the creditors have been in violation in accordance of the Fair Debt Collection Practices Act and have been corrected 8 years ago. These false accounts have denied me recent credit and loans. I do not have any of these accounts opened in my name.