23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

My identity was stolen by my neighbor. They had all my information hacked to the point of stalking. They opened a credit card and I believe they filed taxes
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of Debt Bondage and would like for all listed accounts to be blocked and deleted company information. Please delete the following accounts : XXXX XXXX opened XX/XX/XXXX, XXXX XXXX opened XX/XX/XXXX, XXXX opened XX/XX/XXXX, XXXX opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Carrington Mortgage company continues to flag my mortgage account so I can't make automatic payments through my bank account. They only accept certified payments which is a addition cost. They penalties the customer for XXXX to XXXX months with these additional charges. I have this mortgage over 10 years yet they still want to bring an additional hardship on the customers. I don't see any reason why these penalties have to continue for months except that possible Carrington Mortgage Services is making a profit each time they force certified payment on their customers.
Product: Debt collection

Company is trying to collect on Capital One Credit Card XXXX that was forgiven by Capital One and I paid taxes on the forgiven amount. Company is also trying to collect on a XXXX credit card and sent a summons to my home without a court date and I was never sent anything with their intents to prosecute. After having this company use illegal collection practices, I do not wish to deal with them and refuse to pay debt I do n't owe.
Product: Bank account or service

I have been banking with wells fargo for about 3 years. I have had constant problems with their services. Starting in XXXX 2016, they claimed they investigated XXXX and refused to give me back my XXXX deposit for the rental car. I had to contact the attorney general in XXXX to get my money back. This month, they claim I do not have online banking, I am XXXX or something close to that in the negative in my account. I can not access my account anymore online so I can figure out what charges should be there and what charges should n't be there. I am currently stuck in XXXX, XXXX because of wells fargo. I have received several e-mails concerning this matter about my account. I told wells fargo to notify me when my account reaches below XXXX. I only receive maybe XXXX e-mails concerning this account. XXXX XXXX in XXXX, XXXX-XXXX XXXX XXXX down from the XXXX XXXX XXXX hospital claimed I was already in the negative when I arrived in XXXX, XXXX now another bank in XXXX, XXXX downtown area near the county courthouse claimed it was when I took out the XXXX from account in XXXX at a wells fargo account that made my account in the negative. I just trying to figure out what should be refunded on my account and what should be charged on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered my credit report and there was a charge off account from XXXX which was supposed to be removed in XX/XX/XXXX. I disputed with the credit bureau to get it removed and they updated the account using the information from XXXX to XXXX as new. This caused my account to drop XXXX points in 2 different disputes. They were supposed to remove the charge off and instead they updated the old information to the present year.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone : XXXX SSN : XXXX XXXX : XXXX Experian XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Date : XX/XX/year> To : Experian To Whom It May Concern, I am writing to formally request validation of the following account that appears on my credit report, as I believe this information may be inaccurate. This request is made pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692g Sec. 809 ( b ). 

Account Details : Creditor Name : XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX  XXXX. 
Account Number : XXXX Balance Reported : {$630.00} Date Opened : XX/XX/year> Status : Collection account This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made under the FDCPA. Please provide the following : 1. Identify the original creditor and explain what the money owed is for.

2. Provide evidence of how you calculated the amount owed ( {$630.00} ).

3. Supply copies of any documents showing that I agreed to pay this amount.

4. Provide verification or a copy of any judgment, if applicable.

5. Prove the Statute of Limitations on this account has not expired.

6. Show that the creditor is licensed to collect in my state ( XXXX  ).

7. Provide the license numbers and registered agent information for the creditor. 

If you can not validate this account, I request that it be removed from my credit report immediately. Please forward this letter to the creditor as necessary. 

I also request that you send me written confirmation of your findings and actions regarding this account. I have attached a copy of my ID and proof of address to verify my identity. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

Credigy Receivables, inc and XXXX XXXX esquire have filed a lawsuit against me for debt from 1998. First, the status of limitations has passed, second they filed a lawsuit and advised they served me with an affidavit, but I never received nor did I sign anything stating I received an affidavit. So I was never aware that I needed to appear in court. I have contacted the creditor ( credigy receivables, inc XXXX for copies of all debt and payments and affidavits they claim I 've received but I have still not received anything. They originally filed in XXXX XXXX and then transferred the case to XXXX XXXX ( case # XXXX XXXX, they won a summary judgment and had all my bank accounts frozen. When I first received the letter of the summary judgment I contacted them to find out what this was in reference to and if I could speak to the attorney that submitted lawsuit ( Credigy and attorney XXXX XXXX can be reached at the same number, attorney is never available only collection dept. I did ask the collections person what happens now, all they could tell me was that now I need to wait and see what the courts say, when they had already requested that the court freeze all my bank accounts. I am unable to pay my rent, bills ( ie : credit cards ) or buy food, I have been borrowing money that I 'll probably not be able to pay back if this continues. How can I dispute something if I never knew about it? I filed for emergency motion to open judgment or to unfreeze my account to at least pay my rent and cc bill, the judge denied this and gave Credigy 20 days to respond to my request. 
I have contacted a few attorneys and almost all of them are in complete disbelief that the courts allowed them to do this. Could someone please help as I am starting to incur more debt trying to fight this lawsuit, also credigy receivables keeps increasing the amount owed to them each time XXXX because my bank received a court order to provide credigy with how much was in my account. 
This debt has n't been on my credit report and if they win this judgment this will end up on my credit report thereby ruining my credit even more. I have never received anything from this company, but it appears they purchased a debt that was discharged. Any help would be greatly appreciated! I 'll also try to reach out to some news channels to see if they expose this company 's practices.
Product: Vehicle loan or lease

We were in receivership fully intending on keeping the vehicle and they repossessed it
Product: Checking or savings account

On XX/XX/XXXX, I noticed and filed 4 unauthorized charge disputes with Chase Bank. I was a victim of bank fraud. Someone got a hold of my bank account and used it to make purchases with XXXX. The first transaction was for {$1.00} on XX/XX/XXXX. The second transaction was for {$2500.00} on XX/XX/XXXX. The third transaction was for {$2.00} on XX/XX/XXXX and the forth transaction was {$2100.00}. On XX/XX/XXXX, I realized an error and called Chase Bank to withdraw the first dispute for {$1.00}. After filing the claim, Chase Bank issued a temporary credit only for the first two transactions in the amount of {$2500.00}. I told them they should have credited my account for all the transactions because the date of the first transaction was now XX/XX/XXXX. Since I reported the unauthorized purchases within 60 days of occurrence, I am protected under regulation E. Chase Bank needs to credit back my account for all three transactions in the amount of {$4600.00}. 

I have contacted XXXX and they said since these amounts were fraudulent, the bank just needs to cancel the ACH transactions. They will not dispute the process. Without the bank 's approval, they can not send the funds back to my bank account. Otherwise, they would.
Product: Credit reporting or other personal consumer reports

This CFPB compliant has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of A cell phone account opened at XXXX on XX/XX/XXXX Account number ( XXXX ) a secured Long opened at XXXX XXXX XXXX. Car Loan Collection Opened at XXXX XXXX XXXX on XX/XX/XXXX Account number ( XXXX ). A Rental Agreement Collection Opened at XXXX, XXXX on XX/XX/XXXX Account number ( XXXX ). A credit card collection opened at XXXX XXXX XXXX  on XX/XX/XXXX Account number ( XXXX ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consume credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card or prepaid card

I made a purchase XX/XX/2023 of {$100.00} at XXXX in XXXX California. I returned the item on XX/XX/XXXX. And I have not received the money back. I have contacted the merchant and Cashapp. The merchant supplied me with a receipt stating the return was made and cashapp doesnt refund the money. I dont know what else to do
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX not at all familiar with this account on my Equifax credit report, possibly someone with a similar last name is linked to this. This is only reported on the Equifax credit report, I did not see it on the other credit reports.
Product: Debt collection

Jefferson Capital System located at XXXX XXXX XXXX at XXXX XXXX started a collection/derogatory remarks without sending an appropriate validation letter and allowing my lawful rights of 30 days to dispute the debt. I disputed the account with XXXX  whom removed the account within 48 hours, but XXXX XXXX is still conducting an investigation. This has caused a 34 point decrease to my credit score because the collector is unethical and believes they do not have to validate a debt
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

My job has come to me about excessive calls from this company. They say the people that call ask for me but they always call at the wrong time because I work nights. So the people at the front desk try to transfer them to human resources and they immediately hang-up. I called to ask why they call my job and they say to inform me of my passed due account. I'm already aware of that from the many voicemails, emails, and letters in the mail. I let them know that I am doing the best I can but all they care about is forcing me to pay.
Product: Mortgage

Dear Sir or Madam, Bayview loan servicing is dual tracking my client 's house into foreclosure while a loan modification application was pending.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX INQUIRIES : XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I received a call from XXXX XXXX from the Office of XXXX. She said I have an outstanding balance from Wells Fargo in the amount of {$1500.00}. I have a Wells Fargo account and know nothing of this. If this did happen, it was over 10 years ago when I was living in XXXX XXXX. I now live in XXXX. She said she sent me a letter which I never received. I told her to send me written verification of the debt and she refused. She immediately told me that I need to settle or it could escalate to court. I am disputing this debt and she is refusing to work with me or give me validation. I have looked up the number and have found numerous complaints. They asked me if I was XXXX XXXX ( I have n't been using XXXX in 5 years since I got married ). Wells Fargo has no record because I called.
Product: Credit reporting or other personal consumer reports

I requested them to correct the issue at hand of them reporting inaccurate information to the bureaus, I agreed to settle for the statement of paid in full they turned around reported a collection/delinquency with a balance every credit bureaus reported dropping credit significantly XXXX, equifax still show the account with a balance as of my latest dispute with them they have refused to removed it. We came to an agreement in which they offered a settlement I accepted and complied with the terms. Shortly after they decided to then report the account to collections with a balance of XXXX continuing to report missed / late payments every month even still now as of XX/XX/2024 they have reported XXXX alone to equifax after the agreement of payment they told me the account was closed and nothing further needed but went back on there word charged off my account and still continues to demand payment for the remaining balance. Had that been the case I simply could have paid it in whole but they continued to push for a settlement they have taken my payment and ruined my credit with no explanation or consequences. They even wrote off the full amount then collected from me and now continues to want more I believe that is a tax fraud on there behalf abusing there power and taking money from our government. I truly feel I should be compensated from XXXX XXXX for these horrible things they have done. I am currently in the process of buying my first home for my daughter and I and these actions by both the credit card company XXXX XXXX and the credit bureaus ( XXXX, equifax, and XXXX ) are ruining our opportunities for a better life, a better financial situation the amount of distress this has cause us is staggering and unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a home loan with XXXX XXXX for a home loan and was denied based on information received from Equifax, XXXX and XXXXThey have be reported a deceased person and a unknown male purposefully for years.The deceased person was using my name as XXXX XXXX XXXX in Virginia.They mixed my file with this person and affect my length of credit showing I had none and the deceased person had it .I have tried to have this matter settled.They are causing me a hardship continually showing inaccurate information.I want my report correct now I have retain a civil attorney I am coming for punitive and compensatory damages.
Product: Mortgage

Chase has overly lied to me and I XXXX and wanted to get a modification loan or to reduce my interest of 6 % for years with good credit. When I made good money for the last 22 years with them they said I could not refinance because I made too much money. Now in retirement, of half salary, I tried to lower my interest payment, they now say I do not make enough. and the only option they say is sell my house, I 'm not behind in my payments but have student loans Then they give a generic survey and ask how you feel. You tell the truth and then they call to tell you that you are still wrong to feel that way and to add insult to injury, still take your money and do not do anything. I am tired of very bad service, I am a XXXX. I am so disappointed in Chase. if anyone could help steer me to someone else please do. Tired of very bad service of zero.
Product: Credit reporting or other personal consumer reports

I'm filing a complaint against XXXX asset strategies Equifax and XXXX for violating my legal rights to an accurate credit report supported by the fair credit act FCRA please see attached letter for more thorough information
Product: Credit reporting, credit repair services, or other personal consumer reports

When I made the decision to review my credit report and use my rights under FCRA it was with an eye on challenging any information found in my report that is not accurate. By fighting back against this injustice, I am ensuring that the information on my credit report is accurate and reliable. I have every right to challenge any inaccuracies in a manner compliant with federal law when they are negatively affecting me financially because of their lack of accuracy or completeness. The claims within my report are wrong. The credit reporting agencies have to follow proper procedures if these claims are in their system and to be used in my credit reports! I challenged the accuracy and fairness of the 3 credit reporting agencies ( Equifax, XXXX, and XXXX ) by demanding evidence before they make any claims and take such drastic measures agains my reputation. I know that they can't just decide which rules apply to their organization, so I won't allow them to report any false claims. It's important to make sure all of the claims are accurate and reported in the correct format- this is required by law ( FCRA ) as well as XXXX XXXX standards. For any negative account I demanded documentation / proof proving why the credit reporting agency considers it delinquent or derogatory. They have yet to provide me records documenting how they verified and validated these accounts/ claims. Their proof of each negative claim they placed on my credit report should also include proof of a permissible purpose for any inquiry into the account. It's time for me to get my life back! I need the credit reporting agencies to send over some physical proof of what has been done and an updated credit report. Either confirm that this matter has been reported correctly or remove it from the report immediately. I gave them 30 days to investigate, that time has now elapsed. I received no response from Equifax and XXXX at all! The only response I received from XXXX was a letter questioning if I was the person who sent in the letter..when all my information was clearly included and sent from myself! I am now escalating this matter to you, CFPB, in the 100 % expectation that you will do what you were created for and enforce this matter and protect me the consumer from this blatant neglect and lack of responsibility by XXXX, Equifax, and XXXX.
Product: Mortgage

I was out of work sick with XXXX, much better and been back to work I asked fofor a re a repayment and was told that I need a lawyer for 4 month I would n't have gotis far
Product: Credit reporting or other personal consumer reports

This is not a duplicate request nor filed by a 3rd Party Credit Repair agency. I'm filing this CFPB complaint to request pursuant to FCRA 605B ( 15 U.S. Code 1681c2 ) that you, XXXX a consumer credit agency block information that is appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of personal credit card accounts opened at 1.Validate Account XXXX XXXX XXXX Account NumberXXXX XXXX has not supplied proof under the doctrine of estoppel by silence XXXX XXXX XXXX ( MO XXXX XXXX XXXX XXXX XXXX i my presume that no proof of the alleged debt nor therefore any such debt in fact exists 2.Identity Theft. 
XXXX XXXX XXXX Account NumberXXXXXXXX  This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was told that my credit information was safe and secure with Equifax. However, my personal information is at risk due to the recent cyber attack.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has an account XXXX XXXX XXXX  with no ( Closed Date and No Information ) therefore transunion is reporting inaccurate information and reporting inaccurate information according to fcra is a violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to American Express and reported the debt as fraudulent. I have also reported it to the police and provided me with a police report. But American express still fails to acknowledge the police report. I had reported this XXXX many times and XXXX does not comply.