23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I sent this company a letter dated XX/XX/2018. Pursuant to the FCRA and FDCPA, I requested this company to provide me validation documents and listed everything that is required for this alleged debt to be validated I asked for the following information from them : Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful. 
Debt collector license number in my state. 

In return I received a letter from them ( see attached ) that did NOT include any of the asked for information and billing statements saying this debt is valid. 

That is NOT validation. I would like them to remove this collection from all three credit reports because I do not owe this debt.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the deletion of an account from my credit report. The account in question is XXXX XXXX - XXXX XXXX XXXX  XXXX which was settled in full on XX/XX/year>. 

In accordance with the terms agreed upon with the creditor, the payment was made with the explicit understanding that the account would be deleted from my credit report. 

My ability to proceed with moving is contingent upon having a favorable credit standing. It is imperative that this account is promptly removed from my credit report to accurately reflect my financial status and allow me to proceed with confidence in securing housing.
Product: Credit reporting

While checking my personal credit report, I discovered an Unauthorized and Fraudulent credit inquiry made without my KNOWLEDGE or CONSENT by XXXX XXXX BANK XXXX on or about XX/XX/XXXX on EQUIFAX credit file. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX BANK XXXX has violated the Fair Credit Reporting Act Section XXXX ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I am requesting that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

First Collection Services located at XXXX XXXX XXXX XXXX in XXXX, AR. XXXX is refusing to remove collection activity that was placed on my credit report. Payments was made directly to and accepted by the XXXX  XXXX XXXX XXXX XXXX. First Collection Services did not accept any form of payment for either of the two accounts. 

These two collection activities reported by First XXXX Collection Services should be removed from my XXXX, XXXX, XXXX and any other credit reports, as they did not accept payment.
Product: Credit card or prepaid card

Getting too many credit companies trying to open things in my name and another person who is not myself ' name. 

I own a place that I rent to a tenant and I got several applications for credit cards in the name of XXXX XXXX. I believe this is a fraud and it will keep happening if not addressed. 

I have contacted the credit companies that are sending information to this address but want to let you know about this.These companies were XXXX XXXX, One Main Financial, and XXXX all w/ my address and XXXX XXXX 's name.
Product: Money transfer, virtual currency, or money service

Good day, At the inception of the application Zelle I sent money en error several times to the wrong recipient who shared the same name within my contacts. When I contacted the Zelle Company I offered the amount ( XXXX ) sent, as well as, the person ( XXXX ) the amount were sent. I was told verbally by a customer service representative that an investigation would take XXXX business days and a resolution would be offered. I never heard back from them and when I reached back out to them I was told the investigation was still ongoing. After that, I didnt have time to fight the battle further, so I didnt follow up and they never contacted me nor resolved the issue. Please advise as to what action, if any can I take at this time. 

Thank you
Product: Credit reporting or other personal consumer reports

This letter is a request of the steps that your company took when investigating the disputed items. Please send me a detailed explanation of how you obtained theses results. Did you receive written notification from the company or was it a verbal confirmation? Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. 

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

I submitted a complaint about XXXX XXXX on XX/XX/2018 to CFPB, ( case # XXXX ). A part of the complaint was that they were contacting my mother who is not an authorized user on the account. They shared confidential information with her. I was informed that the bank reached out to her yet again on XX/XX/2018. The call was from phone number XXXX. They have not justification for reaching out to her, as she is not on the account, and they have all of the information already. The number they continue to call her at is XXXX. 
At this point, this is harassment, and we are currently seeking legal counsel.
Product: Mortgage

I have a new mortgage that was originated by XXXX XXXX  XXXX mortgage on XX/XX/XXXX. The loan was subsequently sold to Wells Fargo Mortgage in XX/XX/XXXX. In the closing documents, the monthly mortgage payment was estimated to be {$2100.00}. 

Wells Fargo notified me on XX/XX/XXXX that the mortgage payment needed to increase by {$130.00} per month due to a deficiency in the amount escrowed for hazard insurance. Upon talking to their representatives on XX/XX/XXXX, I noted the following : - A full year premium for hazard insurance of {$4600.00} had already been escrowed and ; - An additional {$4600.00} was being escrowed on an annual basis and ; - An additional amount of {$1600.00} was needed because Wells Fargo asserted that there was a deficiency in the amount escrowed for insurance Although it wasnt required, I elected to escrow insurance and taxes when I closed on the mortgage. However, Wells Fargo would not allow me to withdraw from their escrow program for two years and until the loan to appraised value was 65 %. 

This raises two issues. First, the estimated mortgage payment for a NEW mortgage is materially incorrect. Second, Wells Fargo will have collected almost two years of escrow payments before the insurance premium is even due!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Debt collection

A new debt company asked me again for the sum for the claim I submitted on XX/XX/year> Number XXXX Post the complaint I brought to AN XXXX XXXX XXXX  store the proof that I returned the equipment. I just got off the phone from XXXX XXXX XXXX - billing department employee 's name is XXXX - that assured me that I do not owe any money - that True Accord started asking me- to them.
Product: Checking or savings account

I joined Ally Bank on Thursday, XX/XX/XXXX and proceeded to set up a direct deposit with them. On Friday, XX/XX/XXXX, I received my first deposit for the amount of around {$140.00} ( dont know specifics because unable to access the account ). Ally has a policy about only sending debit cards after a deposit is made to the account and it takes around 10 days. I figured, since they are a member of the XXXX transfer system, I could then proceed to move my money out of the account to a family members so I would have some money in the meantime for food and transportation costs to my job. However, during the process it said that I had no security questions ( which I did ) and that I needed to call them. I called them and was asked to confirm a multitude of questions some such as the regular Social Security, Date of Birth, Address, Security Questions, etc but also ones such as what is your hair color what is your mothers first name where was your social security issued. I know the answers I provided to be true as I would know my own identity, but was told I would be locked out of my account and would have to send my ID and SS, front and back, to XXXX ; attention XXXX. I proceeded to do this the same day ( Friday, XXXX XXXX ) about an hour after this phone conversation. I understood it was the weekend and might take up til Monday or so. On Monday ( XX/XX/XXXX, I called and to my suprise the back office where it needed to be reviewed was closed due to veterans day. Ok, no problem..So I call Tuesday ( XX/XX/XXXX ) and was told it would be reviewed either today or tomorrow. I again wait patiently. On Wednesday, at around XXXX, I still hadnt heard anything and proceeded call them to be told it would be reviewed later that day, and I would be receiving a phone call. I didnt hear anything. I call them today ( Thursday, XX/XX/XXXX ) and am told the same thing I have been told now for days, that it will be reviewed that day and I will recieve a call. I am getting very frustrated as I am out of money for my transportation, I have no food at my home, and am now struggling just to get through the week because they will not review my account. I told them they had told me it was supposed to already been reviewed and they seemed to not care at all, nor wanted to attempt to prioritize it. It will be a week that I have not had access to my account as of tomorrow.
Product: Debt or credit management

I paid TROTT LAW XXXX to stop foreclosure and no foreclosure sale ever occurred I paid XXXX for XXXX months of my mortgage in XXXX under my first loan open XX/XX/XXXX starting XXXX and the confirmation numbers I have from XXXX confirms that no foreclosure sale ever happened XX/XX/XXXX. For your review XXXX and the XXXX please Investigate? 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Confirm that I am owner and XXXX XXXX XXXX XXXX XXXXXXXX XXXX fake SSN XXXX and XXXX fired from XXXX XXXX as XXXX  XXXX and XXXX XXXX XXXX for using fake job titles with XXXX fake XXXX degrees on around XXXX loans and under investigation as XXXX.
Product: Mortgage

I was in deferment for 18 months with a VA backing for the Deferment the VA paid the {$24000.00} deferment and now the company is claiming that I still owe after they told me I was paid in full I have it on recording were they told me I was paid up to date everything was good and now theyre claiming I still owe XXXX something dollars when I asked for my documentation to prove that I do not owe they are refusing to give me documentation that I request they have yet to receive give me my deferment paperwork And it looks like they were putting it into foreclosure not a deferment they did not do what they said they were doing. They lied to me. They have lied to me several times I have it on recording and when I say you already told me I was paid in full. I have it on recording they say oh my bad we were wrong. We need to fix this you still owe and I think thats wrong. They refused to prove the numbers they have changed. My monthly payments claimed I wasnt making monthly payments charged me fees for late fees when I wasnt supposed to get them, but yet refused to send me the documentation, even my lawyer was refused documentation
Product: Credit reporting or other personal consumer reports

dear Credit Bureau : CFO- XXXX XXXX is the Chief Financial Officer at the Equifax XXXX i, XXXX XXXX XXXX , living XXXX  are victim of identity theft and fraudulent activity. i, have tried to deal with different Corporations concerning private property held in XXXX. i, have no contract with those Corporations. per the Uniform Commercial Code, ( UCC ), many notifications, and no rebuttals in affidavit under penalty of perjury caused the default judgments put upon them. i need all credit scores recorded by Your Agency of the ALL CAPS NAMES ABOVE to be corrected and the record cleared. i discovered the identity theft put upon the copy-written from birth. ( see non-UCC-1 and TRADE NAME ) I had no way of signing my name on any contract or agreement. this is perpetual Fraud an Identity Theft. i, XXXX XXXX XXXX, entitled owner and Power-Of-Attorney-In-Fact have claimed the above ALL-CAPITAL-LETTER-NAMES, and SSNs created by the State Registrar. the XXXX, OR LEGAL FICTION created under the CESTUI QUE VIE ACT IN 1666 and UNAM SANCTUM is now held in XXXX.
Product: Debt collection

First I received communications from Source RM at the wrong address. Second they have no right to collect this debt. 3d I am in the process of working out a payment plan to the company which the debt is owed to. 4th Along with 2 other collection agencies they are trying to collect this debt. 5th Source RM has report false and negative information on my credit report causing me financial hardship.
Product: Credit card

I called to ask for the best interest rate on both cards and was told they could not offer me a better rate. Was going by market value. Which I find very unacceptable. With the interest rate I am being charged I will never pay off these cards. This bank takes half of the payment in interest. I just want to verify that this bank is not using fraudulent practices with interest rates. That they are being honest in charging me this interest rate on both cards.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged postings of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request and investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Happy holidays to you and thank you for your assistance. 

It is very hard dealing with this but I will keep being positive to make things right. Being a victim of identity theft is quite embarrassing and I want to make things right. My name is XXXX XXXX, I have enclosed all verification documents of my identity. I am submitting this complain myself from my personal computer. I am fully verified.. I Advised the credit bureau of what happened and this account doesnt belong to me. Other credit bureaus removed it but this one did not. They are supposed to be the same information throughout all reports. Which means this account wasnt verified accurately. I Requested method of verification and was simply ignored. This account does not belong to me. This is unauthorized and needs to be deleted immediately. This has completely ruined my relationships with other institutions. Account needs to be deleted as it is showing as negative derogatory on my credit report and doesnt belong to me. I am receiving many messages with an urgency tone from this company. Which is violating my rights. I did not consent to this account. Fully unauthorized and needs to be removed. Delete the account as requested. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit.
Product: Checking or savings account

Anyway, they told me to go back to the bank and get veri ) ed a second time.So I Did and the banker and I were on the phone with them to do that. When all was done they said they would do a reversetransfer of the money within the next 10 day. I said I have to wait another 10 days. He said it probably won't take that long.ok so I waited 5 and emailed the banker that I don't see anymoney yet. So she called themand they told her that I was the one who authorized the transfer. which i did not do. Sonow she gives me another # to call. So call that one the next day.And of course go 3 more people before one would tell me what was going on. And she told me that I gave them the pin # toverify myself. I told her no but she was not listening. And she also told me their were 6 otherusers on my account. So howdoes that happen without my knowledge So 3weeks later they tell me they are not giving me my money back. So i believe theywere giving me the run aroundtill they didnt have to pay me. I asked don't you have Insurance for this and she saidthats not how it works
Product: Credit reporting or other personal consumer reports

I am writing this with the urgency to bring to your notice a concerning issue related to the presence of fraudulent personal information and unauthorized inquiries connected to my identity. After a review, I have observed that specific information have been erroneously linked to me without my permission. This has caused me great distress and raised serious concerns. Unfortunately, I have fallen victim to identity theft, which has necessitated me to take action and report this incident.
Product: Student loan

I cosigned a student loan for my daughter with American Education Services. The payments were {$60.00} per month, and I was sending {$100.00} figuring the overage would be paying down the principal. I started receiving monthly statements showing no monthly payment necessary. I called to question this as the balance was not going down yet the amount of interest paid was going up. When I finally spoke with someone he said that i was paid so far ahead that no minimum payment was necessary but the interest was still accruing. I explained that the overage should have been applied to the outstanding balance not to future payments. I kept trying to get in touch with someone farther up the ladder to get this straightened out. But no one would return my calls or letters. I started repaying this loan in XXXX and as of XXXX XXXX I had paid {$5400.00} dollars in interest, {$2700.00} in principal, and had a remaining balance of {$5200.00} at 7.41 % interest
Product: Debt collection

FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. Dixie Finance Company has been reporting unverifiable and inaccurate information on my credit which has damaged my credit and I filed a police report for identity theft and I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal.
Product: Credit card or prepaid card

I spent {$25000.00} using my American Express Gold Delta card in XXXX, XXXX, and XXXX. American Express should have credited XXXX points to my Delta Skymiles account and reported to Delta the amount spent with the card. American Express reported only {$4000.00} as the amount spent to XXXX XXXX. It did n't credit the miles to my Delta Skymiles account nor did it report the dollar spent in XXXX and XXXX which amounts to more than {$21000.00}. I called to XXXX XXXX to inquire. Delta asked me to contact American Express. I have contacted American express four times and one of them I conferenced in XXXX XXXX. I have spent more than five hours following on this matter. American Express finally realized there is an issue. But, so far nothing has been done. I have attached evidence of my spending and also evidence of the amount not showing on XXXX XXXX side.
Product: Debt collection

TO WHOM IT MAY CONCERN, I AM WRITING THIS TO REQUEST IMMEDIATE DELETION OF AN INACCURARATE ACCOUNT FROM MY CREDIT REPORT IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, SPECIFICALLY CONSUMER LAW 15 U.S.C SECTION 602 ( A ) AND 15 U.S.C 1681 SECTION 604 ( A ) SECTION 2. UPON GETTING MY CREDIT REPORT, I HAVE INDENTIFIED AN ACCOUNT ENTRY THAT IS INACCURATELY REPORTED AND MUST BE REMOVED PROMTLY. THE INACCURATE ENTRY IS AS FOLLOWS WAS REPORTED XX/XX/year> FOR {$4900.00}. I ASSERT THAT THIS ACCOUNT ENTRY IS INACCURATE AND VIOLATES MY RIGHTS UNDER THE FCRA DUE TO THE FOLLOWING REASONS. THE FCRA PROHIBITS REPORTING INACCURATE INFORMATION TO REPOTING AGENCIES. AS STATED THIS INFORMATION IS NOT CORRECT.
Product: Checking or savings account

An HSA ( Health Savings Account ) was opened by my employer with UMB. Since it was open they have been charging a XXXX service fee every month to my account. I realized when it goes negative, they will expect me to pay back their fees. In order to close my account, they will take {$25.00} off the balance and send me the remainder. I never agreed to any of this because my employer signed me up.
Product: Credit reporting or other personal consumer reports

Transunion and XXXX wont provide my credit report online
Product: Debt collection

Debt with XXXX XXXX XXXX XXXX XXXX XXXX is not valid debt on credit report. Debt validation was sent to credit bureaus in XX/XX/2020.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX - BALANCE {$890.00} Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX - BALANCE {$180.00} Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX - BALANCE {$550.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX client, XXXX XXXX is a victim of identity theft. He was notified by Capital One bank of a fraudulent application submitted with his information without his consent. The application resulted in an inquiry with XXXX, XXXX and XXXX XXXX/XXXX/XXXX which was not authorized. An official dispute of this was sent to Capital One XXXX/XXXX/XXXX however ; Capital One mailed my client a letter informing him this office 's investigator was added as a POA to the account of dispute. First, this office and our client never disputed an actual account, we were disputing a fraudulent application that left an inquiry and second Capital One has asked the POA to provide proof of their capacity by providing person financial data and information not required under any consumer law. 
All of these actions are gross violations of federal consumer laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously filed a complaint stating that the collection debts on my credit report were incorrect and they were removed by Transunion and  XXXX . However,  XXXX  still maintains these collection debts on it credit report.