23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

I have a checking and saving account at XXXX Bank. On XXXX XXXX, 2015 I canceled a recurring debit of {$490.00} payment from a company by the name XXXX. Meaning I no longer authorized for payments. I do n't owe XXXX I canceled my contract with XXXX in XXXX 2015. On XXXX XXXX, 2015 I had a direct deposit cleared, the canceled payment of {$490.00} was debited from my saving account on the XXXX XXXX, 2015 but, back posted on XXXX XXXX, 2015. The funds was not in my account on XXXX XXXX, 2015. XXXX Bank knows I have direct desposit bi-weekly so, the payment cleared and I was charged a fee for not having the fund in my saving on XXXX XXXX, 2015
Product: Debt collection

I am submitting this complaint against XXXX. I have disputed several collection accounts in my credit file and I requested a debt validation other than a balance and a computer print out and XXXX has failed to submit the information.
Product: Credit reporting or other personal consumer reports

This account was opened fraudulently. I did not authorize this account, nor did I apply for it. The submission of terms and conditions and an applicationwhether forged or otherwisedoes not demonstrate my consent or involvement in opening this account. I have previously submitted a formal identity theft report and supporting documentation, including a copy of my government-issued ID and proof of residence. Despite this, XXXXXXXX XXXX has failed to conduct a proper investigation or substantiate their claim that the account is valid. The presence of this fraudulent account on my credit report continues to harm my creditworthiness and causes me unnecessary stress. Under the Fair Credit Reporting Act ( FCRA ), XXXXXXXX XXXX  and the credit reporting agencies are obligated to ensure the accuracy of information they report.
Product: Debt collection

On XX/XX/XXXX XXXX XXXX XXXX of Weltman, located in Michigan, XXXX XXXX XXXX XXXX XXXX, XXXX, MI XXXX got a court located in XXXX XXXX, MI located XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX to issue a subpoena on behalf of XXXX XXXX for which I never had but was closed and paid in full. My identity was stolen in XX/XX/XXXX and unbenounced to me several credit cards were opened in my name and or re-opened which I thought were closed, as was XXXX. 

Subsequently, this Firm, Weltman, stole my social security number in an attempt to collect funds. This firm are known to be scam artists with attorneys on staff. This is all they do. 
Their so-called phone is XXXX. 

This firm is also sending information to a second home, and not my primary residence. 

I have contacted an attorney in New York and have started the process to sue them for stolen consumer information.
Product: Credit reporting

as of today XXXX XXXX they have the following accounts reporting incorrectly and refuse to investigate XXXX financial services account # XXXX this is being reported incorrectly XXXX XXXX probation account # XXXX they have me listed as late I have never been late and they refuse to investigate XXXX account # XXXX again another account that they refuse to investigate this is also being reported in correctly
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX You are in Direct Violation of the Fair Credit Reporting Act ( XXXX XXXX  XXXX  ) has violated several of my rights. 

15 U.S.C 1681 Section 602A Clearly states I have the right to privacy.

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

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 
Remove these late payments and update this account immediately as you are in direct violation of several Laws under The Fair Credit Reporting Act.
Product: Vehicle loan or lease

I received a letter in a mail that BB & T ran my credit for a car loan. I did not authorize them to use my information. This is not the first time my personal information has been used or released from this bank. Its the main reason why i left
Product: Credit reporting or other personal consumer reports

Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : {$2000.00} Open Date :XX/XX/2024 This CFPB complaint has been submitted to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the credit reporting agency, block the information appearing on my consumer credit report that resulted from identity theft and fraud within XXXX business days of receiving this complaint. The fraudulent, inaccurate, and false information includes a collection account opened by XXXX XXXX XXXX onXX/XX/XXXX, 2024 under the account number XXXX. 

I have enclosed a copy of the consumer XX/XX/XXXXcredit report maintained by you, highlighting the fraudulent item. I do not recognize the account as reported. This account, appearing on my consumer credit report maintained by you, was neither opened, made, nor initiated by me. It is the result ofXX/XX/XXXXt and fraud. 

Additionally, I have included a copy of FTCXX/XX/XXXXComplaint XX/XX/XXXX( XXXX ) as evidence from the US Federal Trade Commission that the aforementioned consumer credit account is the result of XX/XX/XXXX and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit reporting agencies are required to remove/block any accounts listed on an id theft report. Please find the attached documents to assist in blocking the erroneous information which is being posted to the report. Here is the list of accounts/items which do not belong to me or were opened without my permissionXXXX 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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Mortgage

Mr Cooper 's tax and escrow departments have horrible customer service. This began with several missteps in their tax department and now followed with their escrow department withholding monies that are rightfully mine. I am a XXXX veteran ( XXXX XXXX XXXX XXXX ) and entitled to tax exempt status for all of my personal property taxes, most specifically on my home. My county tax department sent a tax bill in error to mr cooper in the amount of {$2100.00} in XX/XX/XXXX. I discovered this and notified mr cooper 's tax department that this was an error. Specifically I reminded them of my tax exemption which was already in place on this VA Loan. I sent an email to mr cooper 's tax department on XX/XX/XXXX and included copies of 1 ) my tax exemption from the SC Department of Revenue 2 ) a NEW county tax bill in the amount of {$60.00} ( this is my only tax liability which is a local fire tax ) and 3 ) my letter from the VA stating that I'm a XXXX veteran, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and tax exempt from two autos and my home. I also followed up with them numerous times and each time they assured me that it will be taken care of. However, mr cooper paid the erroneous tax bill in the amount of {$2100.00} on XX/XX/XXXX. In doing so, it created a negative balance in my escrow account and they sent me a bill to increase my mortgage payment from {$920.00} to an adjusted payment of {$1200.00} due on XX/XX/XXXX. I went to XXXXy county treasurer and was told to call mr cooper tax department and give the the name and tel number of an individual in the treasurer 's office. this way mr cooper could verify that they 1 ) overpaid my tax liability by paying property taxes and 2 ) to confirm that a refund would be sent to them. I did this and mr cooper changed my mortgage payment due on XX/XX/XXXX to {$940.00}, which i paid. mr cooper received the refund from my county treasurer the end of XXXX. in the interim, i refinanced my loan with XXXX XXXX. XXXX XXXX secured a payoff amount from mr cooper in the amount of {$170000.00} which included the {$1600.00} escrow shortage. Mr cooper received these funds on XX/XX/XXXX. I called to verify that and was told my loan was transferred to freedom mortgage and that mr cooper transferred funds to payoff the loan with them on XX/XX/XXXX. I called today and spoke with my contact with mr cooper, XXXX and he told me I was only getting back {$500.00} and that the {$1600.00} was a shortage and their money. I have documentation of how much loan depot paid to mr cooper, again it included the {$1600.00} escrow shortage but get nowhere with mr cooper, specifically XXXX nor his supervisor. This is all of mr cooper 's making from overpaying the tax liability ( when they had documentation in their offices for almost 5 weeks stating otherwise ) to keeping the escrow shortage of {$1600.00} that was paid off by loan depot when i refinanced. I feel that XXXX with mr cooper is doing something fraudulently with my money. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

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

I received a copy of my credit report and found the following items to be errors. Here as follows are items in error : JEFFERSON CAPITAL SYST Account Number : XXXX Reason : Under 15 USC 1692g. Validation of debts Instruction : Please delete due to a violation of 15 U.S. Code 1692g - Validation of debts Please VALIDATE this information with the creditors and PROVIDE ME WITH ANY DOCUMENTATIONS associated with these accounts, ( i.e.an ORIGINAL CONTRACT BEARING MY SIGNATURE ). I formally request that this information be immediately corrected or deleted from the credit file you maintain under my social security number. Please note that you have 30 days to complete your investigation, as per the FAIR CREDIT REPORTING ACT section 623 ( a ) ( 3 ), and I am keeping CAREFUL record of your actions. Failure to respond satisfactorily within 30 days of RECEIPT of this letter will result in a small claims action against your company. I will be seeking damages for : 1. ) Defamation 2. ) Violation Of The Fair Credit Reporting Act P.S. Please be aware that depending upon your response, I may be detailing any potential issues with your company via the Better Business Bureau. * Please remove all non-account holding inquiries over 30 days old. Thank you for your cooperation in this matter,
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom may be concern, I am writing to request a correction of the following information that appears on my [ Equifax, XXXX, XXXX ] consumer report : XXXX reported late payments on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this account on my credit report? Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.=Except as provided in paragraph ( 3 ), the term consumer report '' does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. 

Failure to respond satisfactorily with deletion of the above-referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : XXXX. Defamation of Character ( per se ) XXXX. Negligent Enablement of Identity Fraud XXXX. Fair Debt Collections Practices Act 15 USC 1692g violations XXXX. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681p ] Best regards, XXXX XXXX
Product: Credit card or prepaid card

I applied for the American airline card Several weeks later I received an email saying I was approved The card never arrived but a statement did ( $ XXXX yearly fee ) I waited a few more days for the card I then called Barclays and they send out another card I tried to setup a online login and was told I already have an account ( from past credit card I no longer have ) They sent me 4 email that should have had a code to reset my password, but all were blank After several hour on the phone with them I gave up trying to log on and was told that they could just take the {$95.00} from my bank account which I did not feel comfortable with ( not knowing how they had my account number or witch account they had. 
At that point I left town without activating the account, after traveling for several weeks and coming back to work totally slammed. I gave there tech support another try, and got someone that solved the problem with not being able to reset the password. 
At that time I payed the {$95.00} fee and planed on using that card. I made one purchase Til I looked at my credit report and they have trashed my credit for the {$95.00} fee I called Barclays and was told by a manager weather I had the card or not the fee was due and there is nothing they can do about it. 
I have since canceled the card and they said they will refund the {$95.00}
Product: Credit reporting or other personal consumer reports

The following variation are inaccuracies of my proper name " XXXX XXXX XXXX '' and any improper spelling of my actual name is a crime and a federal offense pursuant to Title 18 U.S. Code 1342 - Fictitious name or address and imposes a penalty where one " shall be fined under this title or imprisoned not more than five years, or both. '' The following names are a violation of Title 18 U.S. Code 1342 and I demand their immediate removal from my Consumer Report and Consumer File Name XXXX XXXX identification number XXXX XXXX XXXX XXXX identification number XXXX XXXX XXXX identification number XXXX XXXX XXXX XXXX identification number XXXX XXXX XXXX identification number XXXX XXXX XXXX identification number XXXX XXXX XXXX XXXX number XXXX ; Address XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Single family XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX family XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX family XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Apartment complex XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX Single family XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Single family XXXX ; Telephone number ( XXXX ) XXXX XXXX XXXX Cellular XXXX XXXX XXXX Cellular XXXX XXXX XXXX Cellular
Product: Credit card or prepaid card

This account was opened fraudulently. I DID NOT OPEN THIS ACCOUNT. I ldid Not discover this until I used a visa card XXXX sent to me XXXX XXXX see attatched USAA CREDIT CARD FRAUD CLAIM date XX/XX/XXXX, XXXX see attatched XX/XX/XXXX CRIMINAL INVESTIGATION LETTER UNITED STATES POSTAL INSPECTOR USPS ( post office ) DELIVERIES NOT MADE. see attatched USAA DOCUMENTATION XXXX case XXXX Kindly Note ( CLEARLY NOT ORDERED FROM MY IP ADDRESS = means UNAUTHORIZED ). & ( CLEARLY NOT MY SHIPPING ADDRESS = means GOODS NOT DELIVERED INTO MY HANDS. ) see attatched Company Response to CFPB USAA XX/XX/XXXX HOLDING ME LIABLE FOR {$470.00} XX/XX/XXXX transactions. see attatched CREDIT CARD FRAUD CLAIM LETTER XX/XX/XXXX {$470.00} ALL UNAUTHORIZED TRANSACTIONS. USAA HAS PROVIDED ZERO ** NO PERMANET CREDITS. see attatched the 5th work order results after 2 years. REVIEW OF YOUR CLAIM IS COMPLETE XX/XX/XXXX. XXXX NO FRAUDULENT ACTIVITY FOUND ON THIS ACCOUNT. ( *** USAA REVERSED {$3000.00} CREDITS USAA NEVER PROVIDED XXXX USAA OPENS ACCOUNTS I DID NOT AUTHORIZE.
Product: Payday loan, title loan, or personal loan

My wife and I purchased furniture durning a veterans day sale in XX/XX/XXXX and received discount d/t me being in the military. We purchased the furniture for less than {$2300.00} and was told we can pay it off in six months with no interest if we didn't pay it off we will have interest applied we recieved no contract from the store or any information on the interest that would be applied. I received a call from the finace company American First and they told me that I only had 3 months w/o any interest and if we didn't pay in that time interest would be applied ; they did not disclose the interest rate to me at that time either. We made ontime payments of XXXX every two weeks. I called in XX/XX/XXXX to find out when my last payment would be because I had already paid XXXX and they told me that we still owed over {$2000.00} ; when I asked why they said " fees and interest '' ; I was so confused and upset I hung up with them. I again called in late XXXX to find out how much more I owed and they told us {$1700.00} ; only {$370.00} less than what I owed in XXXX after I continued to make on time payments of XXXX every two weeks. When asked them what is going on they again said fees and interest we stayed on the phone and demanded answers they said that I am being charged an interest rate of 124. %. We were confused and asked to talk with a manager and explained that we have already paid double of what we purchased the furniture for. When we told them that the interest rate was never discussed the manager XXXX said she called and talked with me about the interest rate and it was on recording we asked to listen to the tape as it was never discussed and we never received a contract disclosing the interest rate she refused to let us hear the recording and said " I let you know that interest will be applied if not paid in three months and asked if you have questions '' I asked " so you didn't disclose the interest rate at that time and have not provided me with a contract '' she said " I asked you if you had questions ''. We asked to have a contract sent to us by email and gave her our email address and she continued to get it wrong and said she sent it out but never received as she kept getting the email wrong. A couple days later we received an email from them only giving us a reciept of what we paid ; still to this day we have not recieved a contract ; we emailed them asking for it and called once more. I got in touch with a paraleagal who told me that I should check into the Military Lending Act as lenders are not supposed to charge service members more than 36 % when I found this website. I am trying to sign up for deployment and need this resolved before I go so my wife isn't left to deal with it while I'm away. 
Please find attached my account with American First, transactions from my bank account showing ontime payments, and the email they sent that was not the contract we requested but a transaction list.
Product: Debt collection

I received a letter in the mail from a new Collection agency called XXXX XXXX XXXX XXXX. I previously sent in a complaint against Exeter Finance who also had XXXX XXXX XXXX sending letters requesting a different amount that is reflecting on my credit report. I would like this account to be deleted with all credit bureaus. The amount that is being reported is {$6700.00} but now the new Collection agency is asking for {$3600.00}.
Product: Credit card or prepaid card

I am a victim of a catfish scam and my information was compromised after I opened a photo that was sent to me, which contained a virus that copied information off my cell phone. This information was used to open a credit card account in my name with Navy FCU on XX/XX/2019. The credit with a {$25000.00} credit limit was maxed out with one month with purchases and cash advances. I contacted the Navy FCU to dispute the fraudulent account. They conducted their investigation and told me that I am liable for the charges because I gave authorization to a romantic partner. I explained that I did not give authorization to anyone and that my information was compromised due to malicious software. Navy FCU refuses to disclose to me the process the account was established and documentation showing how the account was established. I am frustrated and I am feeling victimized all over again.
Product: Student loan

I received an email on XX/XX/year>, about Student Loan Discharge based on XXXX XXXX XXXX. I was ecstatic. My loans were discharged based on an XXXX finding that the XXXX XXXX made pervasive and widespread substantial misrepresentations. The students loans were wiped out off my credit reports shortly after. The following month, I started getting notices from Mohela about my loans were approve for consolidation and to start making payments. I ignored it because I knew it was a mistake. After getting two or three more notices from Mohela, I called Mohela in XXXX and said, " this must be a mistake because my student loans were discharged ''. Mohela could not find any information on my loans being discharged in their records and said they do not know when their records will be updated. 

According to the XXXX XXXX XXXX XXXXXXXX  ( XXXX ), my loans were forgiving in XXXX, but Mohela consolidated my loans and started sending different and inaccurate bills to my address to start making payment. Mohela keeps saying they do not see my loans discharged in the system, and they do not know when they are going to see it. Currently, the loans are showing in my credit reports. I spent almost one to two whole workdays trying to resolve this issue, but nothing was resolved. Mohela has cost financial, mental, and emotional distress on myself. Please help resolve this issue.