23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have vehemently contested the wrongful foreclosure of my home by XXXX XXXX XXXX since XXXX 2012. Notwithstanding, the lawsuit I filed on XXXX XXXX, 2012 is currently pending in the XXXX Circuit Court of Appeals. 

I have filed complaints with the CFPB, HUD Inspector General, and the Courts. 

However, while the lawsuit is pending, XXXX XXXX XXXX has transferred the servicing of a zero balance loan to Nationstar Mortgage to collect. 

XXXX XXXX XXXX has never tried to collect any debt from me after the foreclosure sale of the property on XXXX XXXX, 2012. 


I 've attached documents to substantiate my claims.
Product: Debt collection

I agreed to a payment plan with AR resources Inc. starting in XXXX XXXX to pay a monthly payment of {$20.00} per month for XXXX XXXX XXXX Medical Center I have paid consistently to date I have paid a total of XXXX XXXX, XXXX {$400.00} however, I sent an email to AR resources on XXXX XXXX, XXXX requesting my new account balance and an explanation of charges I have not heard an answer. I
Product: Debt collection

They call 3 times a day 7 days a week, no messages are left. They just keep blowing up my phone.
Product: Debt collection

I have no clue what this debt is or where it came from. It appeared on my credit report with a balance. I am positive that this debt is not mine. Please provide the original document with my signature stating that this debt belongs to me. I also have proof that I have been a victim of identity theft and this may be something connected to this debt owed.
Product: Debt collection

XXXX, XXXX, called my Cell phone, ( no permission given to call cell ) from a blocked number. Showing as " Unavailable ''. Then I said I was still in the 30 day dispute stage and told her the dispute was miscoded insurance claim. she informed me that " you know you owe it. '' Repeated asked from my credit card information, even though I had no verification it was even the collection agency. Then she told me I had the XXXX from XXXX for over a month. ( misrepresentation ). I told her I guarantee you I have not. please verify the date. Then she called me a long time collection problem. How would she know? did she pull my Credit Bureau? or was she just making false statements.
Product: Credit reporting

Experian allowed XXXX to pull a hard credit inquiry without my permission. This was done by the XXXX store on XXXX XXXX in XXXX, SC. The store employee who did this was XXXX. After my credit was pulled, she tried to get this reversed. I want this credit pull to be removed from my credit report immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

I lost my wallet in XX/XX/2019, it contained my SS card and Drivers License, since I have had ongoing issues with unauthorized individuals applying for credit in my name, many fraudulent inquires, which have affected my ability to obtain employment and credit, as well as affecting my credit score. Please remove the following inquires as they are fraud : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXXXXXX XXXX XXXX Balance : {$55.00} XXXXXXXX XXXX XXXX Balance : {$25.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$180.00} XXXX XXXX XXXX Balance : {$15.00} XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX  XXXX XXXX XXXX  XX/XX/XXXX XXXX/XXXXXXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the presence of fraudulent information on my credit report. Upon reviewing my report, I discovered an account that is not mine and is the result of identity theft. This fraudulent account has already been deleted from the records of other credit bureaus, highlighting the discrepancy in your reporting. I have contacted the bank associated with this account via phone call, and they have confirmed that the account was fraudulent and have removed it from their records. Despite submitting the required XXXX report, the account continues to appear on my credit report with your bureau. The presence of this fraudulent account tarnishes my credit history and could have serious implications for my financial future. 

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

I received notification via email alerting me of an inquiry made on XX/XX/23 by Navy FCU. I contacted them to resolve issue and was notified that a credit card was approved for a application I did not complete.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly sent Identity Theft Reports and Delete letters along with the 605B letter to experian, XXXX, and XXXX, to remove account : CHILD SUPPORT ENFORCEM under account number : XXXX.
Product: Credit card or prepaid card

I used Discover card to purchase a XXXX  branded camera as advertised for {$59.00}. However, when I received the camera, it was a generic counterfeit product instead of the XXXX  brand. The selling website is a business located in XXXX with a warehouse in XXXX California. After trying to resolve the issue with the seller with no resolution, I reached out to the Discover card customer service to open a dispute. I have submitted the following proof to the discover card : 1. Screenshot of the website product display showing the XXXX  branded camera.

2. Photo of the actual product received showing not a XXXX  branded door camera.

3. Order comfirnation and correspondance with the seller showing the seller is unwilling to provide me with a return address or prepaid shipping label. And the " warning '' from the seller that I need to bare huge return shipping cost sending the product to an unknown destination. 
It took Discover card more than a month to process the dispute, during which time, I received just one email saying that they are still investigating. 
During the week of XX/XX/XXXX, they sent me a final decision that they can not dispute the charge because the seller showed proof that I authorized the purchase, so the purchase is valid. 
In my honest opinion, the seller was able to show that I make a purchase and they sent me something. But Discover card totally disregarded the documentation and evidence I submitted showing the different product I received and the unwillingness of the seller working with me to resolve the issue. In this case, Discover is the only party that can protect a consumer, however, they chose look the other way around so they can keep the merchant fee of the transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have some addresses that are not mines possibly fraudulent I have a EX boyfriend I believe has been using my name to order accounts for shopping. I never lived in XXXX XXXX XXXX, XXXX, OH XXXX. My current and only address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX in my life. Please remove the following addresses. My Name should appear as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX GREEN XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX I have a unverified account that is not accurate showing on my credit file from a XXXX XXXX # XXXX. this account should be deleted ASAP it is not right.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is in regards to XXXX XXXX on my credit profile This account is in Litigation due to fraudulent activity and also concerning your companies 2017 data breach ( XXXX ) this letter and complaint is also for Experian, which has cause numerous damages to my consumer profile and my ability to obtain credit. It is XXXX and Experian job to report all accurate information, but yet i have an account on my consumer profile that is a fraudulent account and is in litigation because of identity theft i am a veteran and i XXXX  in different countries and find myself victim of fraudulent activity due to me not being stationed stateside and i notice these fraudulent accounts upon my return. 
15 USC 1681 C-2 Block of information resulting from identity theft. A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as info that resulted from an alleged identity theft, not later than 4 business days after date of receipt!

Remove this account asap from my consumer profile and all missed payments associated with XXXX XXXX which is in litigation due to Fraudulent activity with this account!
Product: Credit reporting, credit repair services, or other personal consumer reports

There was a major security breach at Equifax and I 'm concerned as a consumer that my information may have been hacked. I want it documented that my credit will not be effected in anyway as I am in the process of repairing my credit.
Product: Bank account or service

I just read a VERY Very similar story as mine on your site, and it is with Bank of America. 
It is also in regards to a checking account that belonged to my mother that passed away XX/XX/2014. I am her only daughter and she was not married. I also handled her account as her XXXX XXXX worsened, but I failed to add myself to her account. Which would have saved ALL of this headache! I have been in touch with their department that handles these accounts so many many many times. I have sent them, and confirmed their receipt, of her death certificiate and of a Affadavit of Heirship ( notorized ). Which proclaims that I am her only heir and executor of her estate. Once they received that- they tell me over the phone that I need to submit a different affadavit with the court and submit whatever the court sends me in approval of my affadavit. I clearly understood that the Only diffference between what I completed, and the court responded version is that the court version would be " telling them what to do with the money '' - rather than my document that simply established that I was her heir. The amount in the account is only {$1800.00}. I have filled out the other affadavit ( including the XXXX 'Disinterested parties ' & notorized again! ), but I have not submitted it yet -- because it is going to cost me {$210.00} or {$250.00} to file. Very frustrating!! I have even had to call, in response to a letter I received, and tell them that Yes -- this account is still belonging to someone, and is not 'unclaimed '. So DO NOT gid rid of the account or money. I spoke with someone who assured me after faxing in a signed statement to not liquify the account- that the account would be upheld and still waiting resolution for me. Since I can no longer log in online.. ( which was the Very first thing to go..bc my plan was just to transfer the money over to my BofA account ) ... I 'm terrified to call and make sure the money is still there. What if it is not? What if they managed to put up so many red-tape XXXX requirements that I ca n't to the money? 
Which to me raises another very interesting question, what do they do with all of that money they get to keep? It has to add up quite substantially. I just wish someone would absolutely tear them up in that regard. I can not stomach the idea that this money goes to the company in some fashion, and it is all based on their taking advantage of such horrible times and circumstances with their customers. For whom they would claim to care very much about. It 's deplorable. Please help!! It 's Only {$1800.00} dollars now!! How can they have rules & regulations that are placed ahead of state requirements in such matters? The state does n't even require all of these steps and motions, and things. It just makes no sense at all.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604a section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666 ( b ) a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. I have called, sent letter to XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In accordance with the fair Credit Reporting Act XXXXXXXX XXXX XXXX XXXXXXXX and account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 166B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Debt or credit management

Blitt and Gaines was not able to locate our terms of agreement where they charged me {$170.00} after already charging me {$120.00} with check # XXXX. They charged me twice which made me overdraw in my bank account. When speaking on this issue and how their website was difficult to navigate, the representative I spoke with, XXXX, informed me their system allows consumers to enter payment agreements that exceed what 'the company ' would agree to. Specifically, those that attempt to resolve debts with more than XXXX payments over 24 months. This admission indicates they are aware of a systematic issue with their payment and agreement processes through their online public website. Despite this, they continue to use this system without addressing the issue. Instead they wait for a consumer like me, to be charged twice, and ask for answers. I am XXXX XXXX. This is avoidable.
Product: Debt collection

What happens was that we used to had this Gas Utility service, on begging of 2020 I lost my job because of Covid 19 issues, i count made any payment from any utility plus i didnt payed the rent, so I had to leaved the house, I do have XXXX kids and a wife that I need to support, is been hard times for me and my family, I didnt know I had to pay this because I left the house on XX/XX/2020 so some other people may used the service and didnt pay anything or the owner of the house, however because of the covid 19 is the principal reason I had to not made this payment before plus the time dont match for whit the time we had leaving there, honestly I didnt know about the this collection and I do apologize for any inconvenience or payment i didnt made
Product: Credit reporting or other personal consumer reports

Upon reviewing my XXXX credit report I noticed that my student loans are being duplicated. They are on there both from Nelnet and XXXX XXXX. I called NelNet and they told me that XXXX needed to close them out, so I called XXXX and they told me it is on NelNet and the credit reporting agency. It is turning into a ping pong game. This is fraudulent- they are reporting almost XXXX of duplicated loans which is false. This needs to be corrected ASAP.
Product: Debt collection

Someone used my name to register an account for XXXX ; however, I was NEVER associated with XXXX ever before. I think the person who did this likewise deactivated his or her account, so an account balance accrued. My phone provider is XXXX, and I NEVER transfer to any other carriers since I started using a mobile phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I have been trying to dispute incorrect reporting on my credit report for over two years. I have contacted XXXX via certified mail on XX/XX/XXXX and all three of the credit bureaus on XX/XX/XXXX. I reached out to XXXX to exercise my right to a reasonable investigation of my dispute, correcting any inaccurate information, or even removing the disputed debt from your credit report. I reached out to XXXX, XXXX and Transunion over three time the last time via certified mail dated XX/XX/XXXX. I enclosed in the letter a copy of my credit report and the variance in the reporting across all three credit bureaus chase XXXX is reporting to. I asked XXXX, XXXX and Transunion to verify with XXXX the accuracy of their reporting and to asked them to validate that I am indeed responsible for XXXX Account # XXXX through a signed contract and with proof of a wet signature or signed written agreement. The credit bureau failed me and did not conduct a proper investigation. XXXX responded to my dispute with a copy of statement but no a copy of an agreement of a settlement or a signed agreement with my signature of the credit card account. This information did not validate anything! I have experience damage from the inaccurate reporting since XXXX. I have been denied credit amongst the biggest denial was for a student loan. I received a response from Transunion, XXXX and XXXX stating that they account was validated. A proper investigation was not performed according to the Fair Credit Reporting Act. 

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies U.S. Code Notes ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( ii ) Banking agencies ( I ) In general If a financial institution is supervised by a Federal banking agency, the financial institution shall seek written approval concerning the terms and conditions of the loan rehabilitation program described in clause ( i ) from the appropriate Federal banking agency.
Product: Checking or savings account

i have not been able to open an account with any banks due to inaccurate fraud statements from 2017 reported from XXXX XXXX XXXX, im a victim of fraud my identity was stolen since the year of 2017 as a XXXX year old looking to start a business i need an bank account and fraud identity that was stolen from my old bank JPchase bank is inaccurate.
Product: Credit card or prepaid card

Phone number XXXX called me claiming to be a chase bank at a location near my home. They offered assistance with any credit card information I needed like savings, debit, credit card, or loan info. The person said he was a representative of chase Bank and that they call all their costumers in this manner. 
I have never used the location in my life. Offered no info and hung up.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, Account name XXXX XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, Account name XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Mortgage

I 've been paying extra toward my monthly principal EVERY MONTH. Freedom Mortgage has not credited me the full amount of 'extra principal ' every month that I 've been paying of {$200.00} extra principal since XXXX XXXX, 2016. They have only been crediting {$150.00} instead of the full amount of {$200.00} of extra principal. My previous amount due every month was {$1300.00} and starting XXXX XXXX, 2016, Freedom Mortgage did a 'review ' of my escrow and determined that my payments should be lowered to {$1200.00}. I 've attached a statement from Freedom Mortgage dated XXXX XXXX, 2016 that reflects the monthly amount that is 'due ' as of XXXX XXXX, 2016 is {$1200.00}. XXXX Mortgage even acknowledged their receipt of {$1400.00} and that the amount due was {$1200.00} as evidence on the attached statement. Please have Freedom Mortgage credit me for XXXX, XXXX, XXXX, and XXXX 2016 ( and any months following that I 've paid ) for the extra principal amount that I 've paid of {$200.00} each month. Thank you in advance.
Product: Credit reporting or other personal consumer reports

I am writing to you for the tenth time regarding the fraudulent items that persist on my credit file. Despite multiple previous attempts to rectify this issue, the fraudulent entries remain unresolved, causing significant XXXX  and XXXX  harm. 

It has been a considerable effort on my part to repeatedly provide evidence and documentation proving the fraudulent nature of these items. Despite assurances of swift action, the lack of progress in their removal is deeply concerning and reflects poorly on the integrity of your credit reporting system. 

I demand that you undertake a thorough investigation into these fraudulent entries and take all necessary steps to remove them from my credit report promptly. Additionally, I expect to be provided with a detailed explanation of the measures being implemented to prevent similar occurrences in the future. 

Furthermore, I insist on compensation for the damages incurred as a result of this ongoing issue, including any financial losses and the time and effort expended in attempting to resolve it. With this, I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX Opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

; Man deny that this is my debt and if it is my debt, who is the Man claiming I owe this debt, I deny that it is still a valid debt and if it is a valid debt, I deny the amount requested is the correct amount. I acknowledge this debt was established without my Knowledge and I have no contractual agreement with with JPMorgan Case Credit Card