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

This is my 8th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block these items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/2022, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX  XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$48000.00}, XXXX XXXX XXXX Balance : {$2900.00}, XXXX XXXX XXXX XXXX Balance : {$7600.00}
Product: Credit card or prepaid card

On XX/XX/2022 an on line reservation was made with XXXX XXXX and paid with a credit card in the amount of {$850.00}, for 5 nights with check in XX/XX/2022 and check out XX/XX/2022. I received a Booking Confirmation # XXXX and receipt from XXXX XXXX Reservations aka XXXX. It should be noted that XXXX identified itself as the XXXX XXXX and did not let me know if was a third party until they sent us the confirmation and receipt. While checking in at XXXX XXXX and after telling the motel staff that I prepaid and had a confirmation number, my credit card was billed an additional {$660.00}. XXXX XXXX did not tell me that I did not have a reservation and they did not tell me that I was being billed an additional {$660.00}. XXXX XXXX did not issue me a receipt at check in. At my urging, on XX/XX/2022 Capital One issued a credit for {$850.00} and a Dispute with the reservation company was made on XX/XX/2022. I called XXXX XXXX and obtained a receipt for {$660.00} with the same Confirmation Number that the reservation company provided. The XXXX XXXX responded to the Dispute and sent documentation to Capital One. Capital One denied my dispute and billed my credit card {$850.00}. I have since contacted XXXX XXXX and their parent company XXXX XXXX XXXX and received no satisfaction. They claim that they have no record of the reservation and its payment.
Product: Mortgage

On XX/XX/2019, I started an online application with AmeriSave Mortage Corporation for mortgage refinancing with Mr. XXXX XXXX, Loan Originator NMLS ID # XXXX, AmeriSave Mortgage Corporation NMLS ID # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX KY XXXX. Mr. XXXX informed me AmeriSave had the lowest rates in the market then shortly sent me a Loan Estimate. He also said I should start my AmeriSave account first which I began signing documents which he rushed me to do before I could even look at them. He also said in order to lock in the rate he would need a credit card payment. I provided the number for the payment. I told him that I wanted to read all my documents first before doing anything final. I received what he stated was a generic application and not to worry just continue signing the docs on the yellow tabs. After completing the signing, I sent a few documents but never got to the appraiser process before canceling my application the next day by email due to a circumstance. I did not know there was a nonrefundable application fee because he never gave me a chance to read any documents beforehand only rushed me to sign them. In addition, Mr. XXXX also sent me some new disclosure forms to sign I took a look at them and found a numerical error in the figures. This was confirmation to cancel my application further. Please see the email conversation requesting a cancelation and why. I also explained to him he did not have the right to a full payment there was no other cost incurred. He was getting too personal with the situation. Thank you
Product: Debt collection

On XX/XX/29 I went to the us postal service and sent a letter by mail to convergent outsourcing I made sure to certify it ( receipt # XXXX copy of image attach along with letter sent ) this letter arrived XXXX not only was a notice of dispute never entered but I never received a response either!!! There are two issues here no notice of dispute and no validation no communication at all and were well past the 30 days Im requesting deletion of this account
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this complaint via the CFPB today to inform the Credit Bureaus 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 COMMISION or https : //www.ftc.gov to file a report and 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 the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/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 the identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was the victim of identity theft and I request again to block or remove the information in my credit file resulted from an alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items. Also, the information you provided on some items is UNKNOWN to me a and REMOVED from other bureaus and I have doubts in their accuracy. Here are the list of fraudulent Items : XXXX XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX  XXXX, IN XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX DOE XXXX XXXX Balance : {$0.00} DOE XXXX XXXX Balance : {$0.00} DOE XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  GEORGIA XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Mortgage

I am in active XXXX bankruptcy. My plan included payment of mortgage arrears to Nationstar mortgage. Nationstar modified my loan in XX/XX/2016 and rolled all of the arrears ( about {$14000.00} ) into the modified loan. They never filed an amended proof of claim with the trustee, so the trustee continued to send them funds to pay the arrears. I called Nationstar asking where that money was going, they had no idea. I called the trustee and they said they were still paying Nationstar for the arrears, which no longer exist. So Nationstar has been pocketing all of the money sent by the trustee on my behalf since XX/XX/2016, a total of {$1900.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  3 LATE PAYMENTS
Credit usage
100%
Balance
XXXX
Balance updated XXXX XXXX XXXX  Credit limit XXXX  Account info
Account number XXXX  Open/closed
Closed
Date opened XXXX XXXX XXXX
Account type
Revolving account 
Status
90 days past due
Status updated
XXXX XXXX
Past due amount
XXXX  Highest balance XXXX
Monthly payment
XXXX
Contact info
Address
XXXX XXXX XXXX XXXX, OH XXXX
Phone number
None provided
THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE  IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO "FAIR CARES ACT" ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT DATE
Product: Mortgage

e : Letter to Remove Inaccurate Credit Information To Whom It May Concern, This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payment is inaccurate. Please investigate and verify that all data for this account is reporting accurately including every notation date and balance whether reported or not. 

XXXX XXXX account XXXX XXXXXXXX XXXX account number XXXX I also respectfully request to be provided proof of this alleged item, specifically proof that these payments were in fact late. By the provisions of the consumer protection laws, I demand that if unable to do so or lacking proof of these payments being late, please update my payment history to PAANL status ( Paid as Agreed, Never Late ) and supply a corrected credit profile to any creditors who have requested a copy of my credit report in the last 6 months. 

I'm also requesting the description of the procedure used to determine the accuracy and completeness of the information. I have read that this must be provided within 15 days of the completion of your reinvestigation. I also read that under federal law, you have 30 days to complete your investigation. 

It is my understanding that you must validate these items with the reporting creditor for accuracy. Please remove any information that the creditor can not verify. I know this must be completed within 30 days of receipt of this letter, or you must remove the incorrect information. 

Please send an updated copy of my credit report to the above address. 

Thank you for your prompt attention, time and help in this matter. 

Sincerely,
Product: Mortgage

XXXX, On XXXX/XXXX/XXXX you made this statement " The Bank implemented a system enhancement effective XXXX XXXX, XXXX that allows customers to make early payments and, if also enrolled in automatic payments, the automatic payment plan would still debit the scheduled payment amount due on the due date. '' You explained this was why on XXXX XXXX, XXXX the automatic payment plan debited {$570.00} after I had already initiated an online payment in the amount of {$600.00} on XXXX XXXX, XXXX. Enclosure ( XXXX and XXXX ) If the Bank implemented this system enhancement effective XXXX XXXX, XXXX, Please explain why the automatic payment plan only debited the following amounts on these dates : ( XXXX/XXXX/XXXX - {$470.00} ), ( XXXX/XXXX/XXXX - {$420.00} ), ( XXXX/XXXX/XXXX - {$550.00} )? According to your explanation the automatic payment plan should have debited the regular scheduled payment amount of {$570.00} on these dates and posted the difference to the late fee balance. If a late fee balance existed. Enclosure ( Mortgage Transaction History ) If there is a late fee balance due of {$27.00} on XXXX/XXXX/XXXX why did the automatic payment plan only debit {$540.00}? According to bank policy the automatic payment plan should have debited up to {$570.00} to satisfy account for the month. 
On XXXX/XXXX/XXXX why did the automatic payment plan only debit {$480.00}? Should n't the automatic payment plan have debited {$570.00} and posted {$90.00} to late fee balance to satisfy account for the month, if there is a late fee balance owed? 
It looks like all of these late fee 's in question were back dated to my account after the local Bank manager XXXX XXXX retired. This is why i believe autopay did not debit late fee 's on the dates in question.. 
Please explain the late fee debit of {$170.00} on XXXX/XXXX/XXXX {$600.00} payment when all other late fee debit 's are {$22.00} on a {$600.00} payment with the exception onXXXX when {$22.00} was debited 3 times equaling {$68.00}? 
Please provide a " complete '' detailed transaction history showing " all transactions '' that includes everything pertaining to loan account including " all late fee accounting with a running balance '' and then a detailed explanation of why payments were debited for an amount less than scheduled payment amount of {$570.00}, when a late fee balance existed on that date. 
Please explain why I have no access to any monthly or yearly statements on this loan account? I have been signed up to " online statements '' since XXXX XXXX but the only statements made available to me online is my checking Acct. I have never received any documents mail or online on this account. Only history I have ever received from BOW is the XXXX transaction history 's through the CFPB Site that do not match. I have never once been provided a statement telling me any acct payment is late. I have documented every page many times showing what is made available online to me for every year of loan. Only statements on Acct at BOW site is my checking Acct. 
Thank you in advance for acknowledging and making corrections requested. 
Sincerely,
Product: Debt collection

XXXX XXXX called me being rude screaming at me and continual calling me after i told her to stop and XXXX XXXX the supervisor will not give me recorded call info so i can report the horrible and mean service no one wanted to help me after all I have made my payments on time and wanted to set another arrangement but I did have quistions to ask and that made XXXX mad all she wanted was my card info and did n't want to give help then again on XXXX she called me screaming her lungs out at me I had to hang up I refuse to be treated bad and so disrespected
Product: Checking or savings account

Hello Two deposits were made via cash to my account. XXXX for XXXX and another for XXXX. The company XXXX Wells Fargo XXXX held the {$5100.00} stating that another person " accidentally '' or " was scared into '' making the XXXX. The bank believed their story although we have proof that they received XXXX worth of cryptocurrency in return. The bank THEN held the unrelated {$4000.00} from a separate transaction stating that they were holding it just in case another " victim '' ( as they say ) was to come forward, yet we had the transaction documented for this amount. This was from another customer that deposited {$4000.00}. The XXXX deposit was made Friday XXXX XXXX, XXXX, and the XXXX deposited was made Saturday XXXX XXXX. This is XXXX total that we have not been able to access and has crippled our company and business relationships. We contacted Wells Fargo immediately and were given no answer for two weeks. It was at that point when they told us that they were going to hold the money. We went to the bank and still were given no answer. We continued to call thereafter approx 15 times and still have not received a call back. They would just keep saying XXXX XXXX XXXXXXXX '' is the only person who could even speak on the case. XXXX has yet to call us with updates and I have left numerous messages. I did not record the dates and times of the messages. I contacted and aid a lawyer to advocate for me but I still have no answer, and they still have my XXXX. I do not know what else to do.
Product: Credit reporting or other personal consumer reports

My credit report is showing late payments to NR/SMSXXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or SHELLPOINT MORTGAGE 's customer service representative.
Product: Debt collection

I set a payment plan with XXXX XXXX on an acct I have and they take it amount not a medically eight month out of my checking acct I have tried and tried to contact them about the payments they take out I have called for times XX/XX/30 XXXX XXXX and XXXX I cant reach anyone I have set on hold 20-30 min I have left 3 messages for a return call XX/XX/30 XXXX XXXX and I leave my nAme number ss # and never hear back from anyone I just have questions about my payments I am trying to get a balance and a print out of my payments made for my records I never even received a letter showing my payment plan this is an issue because if they can take my money they should provide me the documentation I am asking for
Product: Credit card

On XX/XX/2023, I, the consumer, sent to Navy Federal a billing error notice under 12 CFR 1026.13 disputing the entire amount of alleged credit card debt and to request all documentary evidence related to my account. They responded on XX/XX/2023 stating that they can assure that the debt is valid without conducting any reasonable investigation nor producing any documents they are required to provide following a billing error dispute along with three of my most recent statements, credit card agreement, and my initial billing notice error attached via USPS mail. I responded on XX/XX/2023 stating that I further dispute any alleged debt that has been deemed valid without any proper investigations done. They then responded on XX/XX/2023 stating that there are unable to identify an open Credit Card Dispute. It has not been 90 days since notice has been sent and by Navy Federal completely disregarding the consumer 's wishes and concerns is in direct violation of TILA and Regulation Z by failing to comply with requirements for creditors during billing error resolutions. Navy Federal also continues to collect on at least the minimum payment due even though the entire amount is in dispute, which means they are prohibited from collection.
Product: Prepaid card

I noticed 4 transactions on my cashapp, 3 of which went through and XXXX  that was denied. I contacted casbapp and was more or less told I was a liar that I either made them myself or authorized someone else to do so. They are made to a car rental place and the last time I checked you needed a license to rent a car which I do not have
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit Bureaus are reporting incorrect information on my credit report. I have tried numerous times disputing and nothing has changed. 
I am currently enrolled in a Debt management program ( XXXX XXXX XXXX ) that settles account for less money with agreement from the creditor who owns the account. 

1 ) XXXX sold the account to XXXX which was sold to XXXX XXXX XXXX and was settled for a lesser amount of {$830.00}. This account is being paid every month and will be paid off XX/XX/22. As for credit reporting, apparently XXXX has reported. Under CRA guidelines, XXXX should delete their reporting, even though they now own the debt, as they are no longer the active debt collector. 

2 ) XXXX XXXX Bank is actively being paid to XXXX XXXX XXXX for a lesser amount of {$760.00} which is the same situation XXXX is reporting an incorrect amount. XXXX XXXX XXXX is the authorized, active collection authority. XXXX need to delete their reporting even though they now own the debt, but no longer the active debt collector. The offer to accept the settlement offer from XXXX XXXX XXXX with the added stipulation that they agree not to report their collection to any Credit Reporting Agency.
Product: Mortgage

I spoke to a manager to figure out a way to get my mortgage back on track. We have a large lump sum of {$55000.00} to put down and we agreed to pay the rest in 3 months along with our mortgage payment and he was sending the paperwork in the mail. That was in the beginning of XXXX XXXX. He called me back a week later and said he was going to email it to me, I never got it, not in my spam, so I call like he said and left a message, still no call back from him or my representative and I 've left numerous messages. My first payment was supposed to be XXXX XXXX. 

I do n't know what else to due.
Product: Checking or savings account

1. On or about XX/XX/2019 ; I was lost my paycheck that had an issue date of XX/XX/2019. The check was made out to me and had NOT been endorsed. 
2. My check was deposited or cashed by another person without my knowledge or permission. 
3. I have talked to the local branch of JP Morgan Chase and wrote a letter to the local regional head in XXXX to seek restitution for the check that was illegally cashed/deposited. The branch told me they do anything since this would break privacy regulations since the bank did not know how the check was cashed or deposited in branch or on-line and that I would have to follow-up with the check processor XXXX, or my employer XXXX 's. 
4. I talked to my employer about this twice and my employer has sent notices to XXXX, but there has been no reply. 
5. I reported this to the XXXX County Sheriff, but there has been no update since the report was made.
Product: Debt collection

I found out I had a judgement/lien placed on my home by Perouka, Miller, Klima and Peters, P.A. back in XX/XX/XXXX. The only reason I found out was through a Title search company. That company is acting on the behalf of a person who may be interested in the property ( which has no value ) That title company without my knowledge contacted the Perouka, Miller, Klima and Peters, P.A. to obtain a payoff amount. I later found out the details of this debt steaming from a company called " XXXX XXXX XXXX '' XXXX XXXX XXXX  was purchased by XXXX XXXX and assumed the debt. The original debt was {$3000.00}, evidently Perouka, Miller, Klima and Peters, P.A. filed a judgement against me and sent a court appearance to my home. I was not aware of this court appearance my son who is XXXX  and since deceased may have signed for it. I am in poor health and rarely left my room. Since I did not appear the judgement was found in favor of Perouka, Miller, Klima and Peters, P.A. back in XX/XX/XXXX. Since then this judgement has accumulated interest and now has a balance of over six thousand dollars. I contacted them the first time in XX/XX/XXXX and explained the entire situation, they only offered that I make an offer to settle. Even though I did not have knowledge of the bill I asked to pay the original three thousand dollars. They notified me the next day that their client XXXX  counter offered for {$4500.00} and that agreement was good until XX/XX/XXXX I however got sick and was hospitalized and never was able to make the agreement. I called back in XX/XX/XXXXand explained the situation again, this time a representative of Perouka, Miller, Klima and Peters, P.A. informed me that I had other options being a victim of identity theft. I filed the affidavit on the federal government website and sent Perouka, Miller, Klima and Peters, P.A. the documents onXX/XX/XXXX. They said they would review this information with their client, I have made several phone calls and emails since and have received no further information. I am XXXX XXXX years old and on a fixed income and have health issues, I am attempting to finalize this situation but can not seem to get any information. When I made the first agreement back in XX/XX/XXXX they had an answer in ONE day to collect money. It is notXX/XX/XXXX and I do not understand why this is taking this amount of time.