23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam : PLEASE ADD MY PHONE # Telephone : ( XXXX ) XXXX Dear Credit Reporting Agency : I am an identity theft victim. I am writing to NOTIFY YOU OF THE ACCOUNTS LISTED IN THE AFFIDAVIT. Each of the accounts and transactions listed were opened and made without my knowledge or authorization. I never authorized, used, or benefited from these accounts or Inquires transactions in any way : RE : IDENTITY THEFT, FRAUDULENT ACCOUNTS & INQUIRES! 

Copy of Social Security Card and Drivers License, Copy of Utility Bill Notification of Identity Theft, List of Fraudulent Accounts, FTC Identity Theft Victims Complaint & Affidavit XXXX XXXX. The following personal information is incorrect Account Number : Current Address ( es ) : XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX SEWELLS XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX  XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX  XXXX  XXXX, VA XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX  XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX AV XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX  XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account XXXXumber : Employers : XXXX  XXXX  13. The following personal information is incorrect Account Number : Employers : XXXX XXXX I XXXX XXXX. XXXX XXXX  XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


XXXX  XXXX  XXXX XXXX Please delete the disputed items from my credit report within ( 4 ) four days as required by the Fair Credit Reporting Act.
Product: Checking or savings account

My check hits my account Wednesday evenings at XXXX every week without fail unless a holiday falls just right then I will receive it on Thursday. I waited until today to check my account and there was nothing on the app about an issue and no email or communication about the issue at hand. My wife and myself both called and were told there was no issue. Not until there were news reports out calling capital one out about the issues. Then I tried calling again and they are now reading a script and saying that it may be fixed today or up to Tuesday. I live paycheck to paycheck check. This was an overtime check as well. And it was going towards my XXXX dollar car payment that is now behind and food for my kids. This cant happen and the fact that there was no clear communication makes me think that I will not receive my money which would resolve in a really bad lawsuit for them. Because this is ridiculous. So many people live check to check. Best believe I will be looking into changing banks after this incident.
Product: Student loan

My federal student loans are held with PHEAA, d/b/a Fedloan Servicing as I am currently on an income-based repayment ( IBR ) plan and participating in the Public Service Loan Forgiveness ( PSLF ) program. 

On XXXX XXXX, 2016 I submitted my annual IBR application recertifying my income information via the Department of Education 's XXXX website. However, I later realized that when clicking through the certification, I had accidentally not checked my status as " married '' and had instead selected " single ''. Upon realizing my mistake, I then submitted an IBR application " income recalculation request '' to correct the error on XXXX XXXX, 2016. The error results in an increase of {$100.00} per month in additional payments. PHEAA denied the recalculation request on XXXX XXXX, 2016. I then called and spoke with a customer service representative who instructed me that the denial resulted from a system process that automatically denied the request due to it being a " recalculation request '' and explained that if I instead submitted a new annual certification of income eligibility, they would be able to process the correction to my marital status. On XXXX XXXX, 2016 I submitted another annual certification, which PHEAA denied on XXXX XXXX, 2016. 

I am grateful for the opportunity to participate in IBR and PSLF as a way to manage my debt, and I also appreciate the difficulty faced by PHEAA in managing a large and complex repayment program. However, at this point I have no alternative but to escalate what should have been a simple correction to the CFPB for resolution.
Product: Debt collection

On XX/XX/2017 Jefferson Capital System cashed a check in the amount of {$10.00} as a result of an agreement to update their account to the original creditor as paid in full and remove their account from the three credit bureaus. This was not done per the agreement and the bureaus are still reporting a balance of {$240.00}.
Product: Checking or savings account

I have tried numerous times to open a wells fargo checking and savings account. In XXXXEverytime i apply for a new account the system says that I already have an active open account with them which i do not currently have..i had voluntarily opened an account under my name in XXXX  but my debit card and check book was lost and someone fraudulently used my wells fargo routing and checking account #.. i. Contacted customer care asking them to close my account they waited a few months before they honored my request but while waiting for them to close my account they allowed the false transactions to accumulate hitting me with numerous fees which caused my account to overdraft and has prevented other banking institutions from wanting to allow me to open an account..
Product: Mortgage

In XX/XX/XXXX, I wrote a check for my XXXX mortgage payment to XXXX XXXX LoanCare , LLC. The check was dated XX/XX/XXXX. LoanCare has no way to confirm receipt of payment by the mortgagee. Payments are made to a XXXX XXXX XXXX There is no way for someone to track and purchase a signature confirmation of receipt by the XXXX Postal Service. LoanCare holds the mortgagee accountable to make payments, however, we can not hold them accountable to receive and apply payments timely. The payment was not received until XX/XX/XXXX and it was not processed by Loancare until XX/XX/XXXX. The accounts payable office is very unprofessional. This has caused me to have one month in the rear every time I make a payment since this payment did not post to my account. The funds were unavailable when LoanCare attempted to process them. This is completely unacceptable. I should be able to pay my mortgage through a normal process and not have to pay additional funds to have it overnighted to get a signature receipt. That is the only way mortgagees can hold LoanCare accountable for when a payment was received. However, it will not be processed until a month later. I have attached the check statement showing when the check was received. I also have the NSF fee showing when the payment was attempted to be collected but the funds were unavailbale.
Product: Mortgage

Refinanced my home loan with goodmortgage.com ( owned by XXXX ) and closed on XX/XX/2016. XXXX XXXX I received a letter from XXXX XXXX XXXX XXXX saying they are my new loan servicing company and to start paying them my first payment by XX/XX/2016. On XX/XX/XXXX I received a letter from XXXX XXXX saying they are the new mortgage servicer for my loan and I owe them my first payment on XX/XX/XXXX. 

As of XX/XX/XXXX both my online accounts for XXXX XXXX and XXXX show I owe a payment on XX/XX/XXXX Since XX/XX/XXXX I have been communicating with goodmortgage.com and XXXX XXXX but no one can give me any kind of information or update as to when one of these accounts will actually close. Goodmortgage.com says I should send my first payment to XXXX and do n't know why XXXX still shows I have a balance and payment due. I tried to get each company to escalate this issue internally and resolve this but they wont do anything. Please help get this resolved quickly.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Last 4 of social XXXX Last year I was a victim of idenity theft, XXXX, since then I have been trying to clear my credit report some issues have been take care of, but other they will not provide me with and supporting document that its my account. I have asked that they provide me with supporting documents. Never get anything back. I have written 4 letters to the 3 bureau to dispute those errors I have sent them the police report I filled and documents. I havent received nothing. All 3 credit agencies have I have disputed the highlighted accounts below. Stating that they were not mine, and they are still on my report. The XXXX XXXX below I called them and they said that is was another company. Here is the letter I wrote down when I called them. 
Todays date is XXXX Talked to this XXXX they told me that XXXX XXXX XXXX pulled my credit report. I told them I did not authorized it. Now this is XXXX I talked to. So I got the number for XXXX XXXX XXXX, phone XXXX left message to call me, waited 5 days no call back today I called and a person answered and told me that he did nothing for XXXX XXXX XXXX. He gave me another number XXXX name is XXXX left message to call me going to wait 5 days to see if he calls. No call back. 
XXXX XXXX  is the same company as Funding below, and XXXX XXXX XXXX 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX WA XXXX Phone : XXXX XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Equifax XXXX Credit Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Revolving Credit Accounts and account number XXXX XXXX Installment Credit Accounts XXXX XXXX Derogatory Information XXXX XXXX XXXXXXXX XXXX These Accounts are not mine no supporting documents XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX TX, XXXX Inquires XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Installment Credit Accounts XXXX XXXX Derogatory Information XXXX XXXX XXXXXXXX XXXX. These accounts are not mine never provided me supporting documents. 

XXXX XXXX Personal Information XXXX XXXX XXXX XXXX not mine XXXX AZ, XXXX Credit Inquiries XXXX XXXX XXXX XXXX Revolving Credit Accounts XXXX XXXX XXXX XXXX XXXX XXXX Derogatory Information XXXX XXXX XXXX These accounts are not mine no supporting documents I have all the letters I sent the 3 bureau and police reports XXXX 

XXXX you can not get you credit score unless you pay for it. Why is that, the other 2 credit bureau you can go online and see you score.
Product: Checking or savings account

Even though I have funds available, the bank charged me twice overdraft.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor XXXX  XXXX APPLE CARD/GS BANK violated my rights to privacy. Under USC 1681 Sec. 602 states I have the right to privacy. 15 USC 1681 Sec. 604a. section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under USC 1666b. a creditor may not treat a payment on a credit card account under and open and consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX, Account Number : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Credit reporting or other personal consumer reports

XXXX Bank XXXX XXXX XXXX XXXX Bank XXXX EXPERIAN XXXX CRED XXXX MORTGAGE SERVI ASCENTIUM CAPITAL LLC TD RETAIL CARD SERVICE ZOOT/DAIMLER TRUCK XXXX CARD
Product: Debt collection

I have been receiving calls from Girvin & Ferlazzo, PC within the past couple of months everyday, at least twice a day regarding an account that I had with XXXX XXXX ( I believe this is the creditor ) in XX/XX/XXXX or XX/XX/XXXX. I believe the original amount was about {$2400.00}. The business has been closed for several years and I received calls from the law office a couple of years ago and started making payments. When I requested a copy of my original loan documents and totals of payments made directly to the law office, I believe XX/XX/XXXX or XX/XX/XXXX, I never received documentations. Around XX/XX/XXXX, I spoke to a representative and explained that I did not owe any monies to XXXX XXXX and requested that they stop calling me. Since that time, I have continued to receive numerous calls daily. No voicemail messages are being left but the calls continue to come in. I received a letter on XX/XX/XXXX, dated XX/XX/XXXX, from the law office stated that the letter was in regards to : XXXX XXXX XXXX, XXXX vs XXXX XXXX XXXX, Index Number : XXXX. I am guessing this is for the old account and have no idea who XXXX XXXX is. It states that I owe {$9900.00} with daily interest rate of {$1.00} which is insane to me. I want them to stop harassing me for monies that I do not owe to them. Again, XXXX XXXX do not even exist so I am not sure why after all these years, the law office has starting calling me again.
Product: Credit card

XX/XX/year> I received a XXXX  I did not sign up for from CHIME banking. I called to cancel the account and they would not give me any other information. I have the email that they canceled.
Product: Checking or savings account

I was billed {$100.00} by US Bank as a garnishment fee
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen and several fraudulent accounts were opened in my name.
Product: Vehicle loan or lease

USAA makes paying my vehicle loan payment very complicated since my bankruptcy was XXXX. I chose to keep that loan and its current. They make me call in and jump through so many hoops every month just to make a payment. Now they apparently got a new system and there is an error and they cant accept my debit card payment. My bank doesnt do bill pay and I dont have or use checks. They expect me to pay for a money order and postage just to make a payment. This is their fault and their error. Why should I pay for it, or have to go through so much just to pay? They made me verify identity 5 times, transferred me 5 times, disconnected the call once, now I have to wait at least 2 days to talk to a supervisor. I wasnt aware that random people paying your bill was a problem. This is ridiculous and unacceptable! This isnt my first issue with this company by far. 26 years of membership and this is how they treat members!
Product: Credit reporting or other personal consumer reports

I have been receiving constant telephone calls of harassment, abusive and profane language, threats of being arrested and sent to jail and prison and threats of death from XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX for debt collection accounts that are not my accounts, are fraudulent accounts and is the result of identity theft. The following accounts are fraudulent and the is the result of identity theft : XXXX XXXX XXXX, {$4900.00}, XXXX XXXX XXXX, {$1100.00}, XXXX XXXX XXXX, {$760.00}, XXXX XXXX XXXX, {$750.00}, XXXX XXXX XXXX, {$660.00}, XXXX XXXX XXXX, {$9100.00}, XXXX XXXX XXXX, {$6100.00} and XXXX XXXX. The above debt collection companies are in complete violation of the Fair Debt Collection Practices Act ( FDCPA ) under federal law.
Product: Checking or savings account

I am having an issues opening a checking account with Chase Bank. I have never opened a checking account with Chase Bank. Chase Bank is discriminating against me because of a previous bankruptcy from XXXX XXXX. Chase Bank is discriminating against me because of my race, me being XXXX XXXX XXXX XXXX ). Chase Bank is denying me credit and an opportunity to reestablish my credit. Chase Bank is in violation of the 1974 Equal Credit Opportunity Act. ( ECOA ). Full Name : XXXX XXXX XXXX, XXXX :XX/XX/XXXX, XXXX : XXXX
Product: Consumer Loan

I purchase on credit from Conn 's Credit Corp living room furniture with the original loan amount being {$3000.00}. Conn 's is reporting high credit limit of {$3900.00} with payments of {$120.00} a month when I am actually paying {$170.00} a month. The contract that we originally agreed to was for XXXX years ( 24 months XXXX not 31 months that Conn 's is reporting
Product: Credit card or prepaid card

I applied for an " accelerate savings '' account with Citibank back in XXXX of XXXX ( because it had a good interest rate for my savings ). I never asked for a debt card, and was never told I would receive one. One day I try logging into the mobile app to pay off my credit card, and before I could login it asked me for a debt card number. This is when I found out they were going to ship me a card, but hadn't received it yet. I called them, and they said it's probably in the mail still. I waited a week or two, and on XX/XX/2022, I got an EMAIL asking if I made {$5100.00} in transactions ( 13 total ). I was furious, because I never got a single call. The first transaction on this XXXX card was on XX/XX/XXXX. I disputed it, a week later it was denied. I contacted the XXXX XXXX Sheriff 's department, and got in contact with deputy XXXX XXXX, and got a case ID number XXXX. He started working on trying to get camera footage at the XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX they visited, because all the other places delete the footage in a XXXX short time. I disputed time after time, eventually I tried to get Citibank to contact my deputy, they said to have XXXX call them. XXXX called them numerous times, and those XXXX people said " no one but the card holder can contact us about the account ''. Citibank asked for numerous documents from me, and I sent them everything including a scan of my driver 's license. Eventually I went to speak to the XXXX XXXX XXXX XXXX XXXX manager for myself, and they said they couldn't give me the footage without a subpoena. I asked them if they could save the footage and just not give it to me, but apparently they wouldn't do that either. A while later ( maybe a month or two ) I find out the casino doesn't hold onto the footage for as long as the deputy was told ( 6 months ), but rather they hold onto it for 3 months. Currently I am on the XXXX or XXXX dispute with them ( I WON'T STOP ), and they deny every single time, saying I had the card in my possession, when I freaking didn't. I was promised I would get the full amount back and the case has been resolved, and I would get a check in the mail in 1-3 weeks. It's been over a month and a half now, and now they're saying I won't get it back. I am currently XXXX, I'm not even allowed in a casino! This bank has to be held accountable! I deserve compensation not just for the money I worked hard for, but for the time of mine they wasted! I've called them probably 100+ times since last XXXX. I WANT MY MONEY BACK
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against EXPERIAN regarding inaccuracies in my personal information as reported in my credit report. 
Details of the Dispute : 1. Name : My current legal name is XXXX XXXX but it is listed incorrectly on my credit report as 1 ) XXXX XXXX XXXX. I request that my name be updated to reflect the correctinformation. 

2. Address : My current residential address is XXXX XXXX XXXX. XXXX XXXX. XXXX, FL XXXX but my credit report shows an outdated address as 1 ) XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XX/XX/XXXX, XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Florida XXXX XX/XX/XXXX, XXXX ) XXXX XXXXXXXX XXXX XXXXXXXX, Florida XXXX XX/XX/XXXX. I request that my current address be updated accordingly. 

3. Employer : My current employer is XXXX XXXX XXXX, but it is listed incorrectly on my credit report as XXXX ) XXXX, XXXX ) XXXX XXXX XXXX. I request that employer be updated to reflect the correct information. 

4. Date of Birthday : My DOB is XX/XX/XXXX, but it is listed incorrectly on my credit report as XXXX. I request that employer be updated to reflect the correct information. 


I have enclosed copies of supporting documents to verify the accurate information provided above. The documents include : Acopy of my driver 's license or passport displaying my correct name. 
Arecent utility bill or bank statement showing my current address and current Employer. 

Additionally, please provide me with a written confirmation once the updates have been made, and send me an updated copy of my credit report reflecting the changes.
Product: Credit reporting, credit repair services, or other personal consumer reports

Received a response from Transunion on XX/XX/XXXX, in response to a dispute about credit report. Specifically, account XXXX XXXX XXXX, Account Number : XXXX. This account does not show payment history from XX/XX/XXXX through XX/XX/XXXX. Transunion has a sent me a status of verified but my payment history doesn't show. 

By law under the FCRA 611 ( a ) ( 6 ) ( B ( iii ) FCRA 611 ( 15 U.S.C. 1681I ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. Transunion has denied my legal right to request how Transunion verified the accuracy of this account.
Product: Debt collection

On Thursday, XX/XX/2019, I was repeatedly called from XXXX. If I answered the call, I heard an automated voice say " hold for the next agent* '' *not sure if they said agent or rep etc ... but it was " hold for the next ''. The just kept calling. Please see example attached of how they were calling me. The example will show calls at XXXX, XXXX and XXXX. I received calls before and after these also. Unfortunately, I had erased other calls from them prior to deciding to file a complaint. ALso, I did miss my XX/XX/XXXX payment, I believe this is why they were calling