23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

on  XXXX   XXXX  i suffered water damage at my house and filed claim with my insurance company,   XXXX   XXXX   XXXX   hired people to do work cleaning home and repairing certain items.they also provided check for me t o hire contractor t o repair home.all checks listed jp morgan chase as co -payee and checks had to be deposited in an account controlled by bank.to date jp morgan has received approx  XXXX  bills ha ve been submitted totaling approx  XXXX  and at this point jp morgan chase has only paid out  XXXX  i  and vendors providing work have contacted them ove r 25  times with limited success.it seems every call is answered by different person who is somewhat clueless as to the situation  XXXX  is refusing to release monies which are not rightfully theirs.i have spent countless hours trying to rectify this matter to no avail.bill   XXXX  need to be paid and jp morgan chase has copies of those invoices, i don t understand why they are not relesing funds
Product: Credit reporting or other personal consumer reports

These are several Accounts that I see being fraudulently reported unto my XXXX credit report, Equifax and XXXX credit bureaus. I have no knowledge of these accounts, and they are fraudulent. this is identity theft. they all need to be removed. including all these inquiries as well. I'm a victim of identity theft. 

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 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 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 I AM REPORTING IDENTITY THEFT DUE TO FRAUDULENT USE OF MY NAME, DATE OF BIRTH AND SOCIAL SECURITY NUMBER. SUSPICION WAS RISEN DUE TO COLLECTION LETTERS RECEIVED
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : Incorrect trade lines reporting To whom it may concern : I checked my report for accuracy and saw an account from XXXX XXXX XXXX for Original creditor : XXXX in the amount of {$1800.00}. 

According to the FCRA Section 609 ( a ) ( 1 ) ( A ), XXXX, XXXX and Experian are required by law to verify and validate all accounts reporting through physical verification of the original signed consumer contract - all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 

I demand to see Verifiable proof, an original signed contract with my signature, you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide a copy of the verifiable proof, you must remove the account listed above. 

I demand the following account XXXX XXXX XXXX for Original creditor : XXXX be removed within XXXX business days.
Product: Debt collection

Sir I already attached the all documents please be verify XX/XX/XXXX New balance. {$54.00} Charge of account interest. {$280.00} Late fees. {$39.00} Transaction date XX/XX/XXXX Post date. XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened an account with credit strong on XXXX XXXX 2021. XXXX bill was not due till XXXX XXXX 2021. I have made a total of 5 payments since that date. That covered XXXX XXXX XXXX and XXXX payments. This company is supposed to help you build credit but they actually jave a deceptive practice and apply your payments to what ever they feel. I was sent statement of account from companyand it shoes clearly that all payments were made and next bill not due till XXXX then they actuall marked me for over 30 when i paid ahead of time. Please have them remove negative marks from credit.
Product: Debt collection

I could n't find another appropriate option. The debt was not paid ; the debt is/was not owed. XXXX overcharges for data services and I had only XXXX cellular phone account with only XXXX cellular phone but they would claim that my bill exceeded $ 300 monthly, which is outrageous. They falsely advertise an unlimited data plan. I was at my wit ' send and disputed the validity of the purported enormous balance. I canceled my service and they retained my deposit of {$400.00}. They have yet to properly handle my bill disputes. In fact, they have willfully ignored my correspondence disputing the purported balance. Today I received notification that they have reported a debt owed of {$780.00} to the credit bureaus which is a direct violation of the Fair Credit Reporting Act. The bill is at best under dispute for overcharging with XXXX directly. To report it as a valid debt that has not been under claims is effectually premature. I have no negative collection accounts and their report to the credit bureaus has resulted in denial of credit today. I demand that they are enjoined to immediately remove the reported collection account from all XXXX bureaus and correct the excessively high bill. They have been found liable for unfair business practice of overcharging for data and this is exactly what they are doing to me. 

I only had XXXX account, XXXX phone, and the phone was NOT on an installment plan. I owe no balance for the XXXX XXXX, and I owe no balance for the cellular account. If they were to process my innumerable billing claims and correct the bill, a XXXX balance account will be the result, especially considered that they remain in possession of the {$400.00} I deposited with them to start service.
Product: Credit reporting or other personal consumer reports

To : Consumer Reporting Agency Subject : Disputed Charge-Off Account - Request for Immediate Deletion of Unverifiable Debt Dear Credit Reporting Agency, I am writing to formally notify you regarding the outcome of a dispute I initiated concerning an account with XXXX XXXX XXXX XXXX with a reported charge-off balance of {$1300.00}. This account appeared on my credit report reported by [ Equifax, XXXX, and XXXX ], and was subsequently disputed with XXXX, XXXX of the major consumer reporting agencies. 

On XX/XX/year>, XXXX completed their investigation and deleted the XXXX XXXX XXXX charge-off account from my XXXX credit report, as it was determined to be unverifiable. I request that you also immediately delete this account from my credit report, as it has now been verified as inaccurate or unverifiable. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and complete information on my credit report. Specifically, Section 1681i ( a ) of the FCRA mandates that when a consumer disputes an item on their credit report, the information must be verified or deleted within 30 days. In this case, as XXXX has already deleted the account, it is clear that the reported information was not verifiable, and your agency must follow suit and remove the account from my credit file. 

Additionally, the Fair Debt Collection Practices Act ( FDCPA ) ensures that consumers are not subject to unfair practices, including reporting unverifiable or inaccurate debt on their credit files. I would like to remind you of your obligations under the FCRA and the FDCPA to ensure that the information reported is both accurate and verifiable. 

I hereby request that you review and remove the unverifiable charge-off account from my credit report within 30 days or less. If the account is not deleted within this period, I will be forced to consider further legal action, including but not limited to filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and taking legal action under the FCRA ( Section 1681n ), which entitles me to damages, attorneys fees, and costs should you continue to report inaccurate or unverifiable information.

Please consider this letter as an official demand for the deletion of this account. I look forward to your prompt compliance with this request and expect your response within the next 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3100.00} I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS -- 1. XXXX with ACCT # XXXX opened on XXXX   XXXX, XXXX with a balance of {$3100.00} -This is not my account.
Product: Debt collection

Portfolio Recovery constantly calls my cell phone and all of my Family members. They 've harassed me for over a decade. They change their name and number, but use the same tactics. We just block them now, but I thought they were suppose to stop all this after your Bureau forced them too. I like a part of life now, blocking XXXX-XXXX different phone numbers per week. Some of the debt is over 10 years old. Obviously their system is still profitable if they keep harassing people. 

It 's just like banks charging outrageous overdraft fees, setting up transactions to benefit themselves. Sure, the Government sues them, and companies like XXXX just settle out of court. Does n't stop them, they just consider it cost of business to deal with fines, they can afford it. 

These companies prey on those who struggle financially, because they know it takes money rot fight back. Pure evil.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621. 

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

In addition, it has also been discovered that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So, these accounts do not belong to me. 
STUDENT LOAN CREDITORS : US DEPT ED ACCOUNT NUMBER : XXXX STUDENT LOAN CREDITORS : USDOE/XXXX ACCOUNT NUMBER : XXXX Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX
Product: Mortgage

XXXX a fradualant company called XXXX XXXX XXXX manged BY XXXX XXXX claims to have rights to a heloc loan Residential capital that went bankrupt in XX/XX/XXXX, residential capital servicing rights were bought buy Ocwen filed a false notice of default, his investor XXXX claims to have bought the property at a trustee sale, and XXXX XXXX assigns the property to XXXX BEFORE THE SALE, this was a XXXX lien and we were current with first lien and was in the property for XXXX years, when we landed in a unlawful detainer court stating we are now tenants and XXXX is our landlord he never shows up in court and the court violated our rights of due process because the judge went against his bench guide XXXX because this was about title and not about rents and they should of never been able to take our house under false pretenses and criminal intent. XXXX has never paid off my first lien they just rented my house out for a year and now it is just sitting empty. On XXXX XXXX XXXX ASSIGNED THE GRANT DEED TO XXXX XXXX another fraudulent company of XXXX XXXX stating there exempt for any transfer fees? The house XXXX XXXX XXXX XXXX ca XXXX was upside for years but once it got back up this vulchers came out of the wood work getting the new secretary of stale XXXX in place all in XX/XX/XXXX and all our each others agents/ mangers all from XXXX XXXX XXXX fraud scam they have no proof of this debt because I ask for validation of claims and they could n't produce any, also they have a fraudulent trustee in place XXXX XXXX XXXX has no rights as a false trustee to give our house away and claim XXXX in debt charge off claim. XXXX IS A CRIMINAL HE ALSO GOES UNDER XXXX AND XXXX, SO HE WONT HAVE A XXXX XXXX, also XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX XXXX ARE ALL PART OF THIS SCAM THERE INVESTORS FOR THE MORTGAGE RIMICS, AND SEVICING POOLS, SCAMMERS.
Product: Credit card or prepaid card

I lost my wallet and within 20 minutes I had XXXX dollors in charges on my cashapp card as soon as my phone notified me I stoped the card and ordered a new one. I contacted support they asked me to wait for an email within 24 hours. It has been over 3 days with no email. The three charges starting with the XXXX and the two charges above that at XXXX XXXX and XXXX.
Product: Vehicle loan or lease

Experian removed XXXX  auto loan account that was paid in full. Experian had no legal abilityto remove this account and it should continue to report on my credit reports for at least seven years from time of loan commencement.
Product: Credit reporting or other personal consumer reports

I DONT RECOGNIZE THESE ACCOUNTS XXXX XXXX Balance : {$1400.00} XXXX XXXX Balance : {$1500.00} I DONT RECOGNIZE THESE INQUIRIESXXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$140.00} ), XXXX XXXX XXXX / XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$110.00} ), XXXX XXXX XXXX ( Date Opened : XXXX. XXXX, XXXX, Balance : {$12000.00} XXXX XXXX XXXX XXXX ), XXXX ( Date Opened : XXXX XXXX, XXXX Balance : {$730.00} XXXX XXXX XXXX ), XXXX XXXX XXXX XXXX Date Opened : XXXX XXXX, XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Date Opened : XXXX. XXXX, XXXX, Balance : {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX. Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Debt collection

Convergent Outsourcing called my phone 8 times just today XX/XX/22 and 11 times on Thursday, XX/XX/22. I never gave Convergent Outsourcing my phone number to contact me, calling without my permission is a violation of my consumer rights under the FDCPA and TCPA. The excessive amounts of calls is also a violation of my consumer rights under the FDCPA and TCPA. My phone number is listed on the do not call list as well.
Product: Mortgage

Roundpoint misapplied my mortgage payments and has issued me an incorrect Form 1098
Product: Credit reporting, credit repair services, or other personal consumer reports

M y Wife added me to her   XXXX   XXXX   card Issued by   XXXX   XXXX   last month. The card came in 3 weeks ago however I recently pulled my report and I was told that It would show up on report as an Authorized user However it has not. I was wondering if that was going to happen before months end (   XXXX   XXXX   )
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion continues to respond that the item was verified when in fact it was not and could not be because it is fraudulent. I do not have the same name as the person listed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Trans Union offers a service to verify employment for organizations who want to use a third party. Background companies have to go to TransUnion ( they have a monopoly on this type of service ) in order to verify one employment. i.e. I want to verify, for example, someone who worked at XXXX XXXX Bank. I call XXXX XXXX and they say in order to verify go to " XXXX XXXX XXXX '' which is TransUnion. 
I go to XXXX XXXX XXXX and they require that I put in only the SSN for that applicant I want to verify. XXXX XXXX doesn't come up but XXXX ( which I wasn't even looking for ) comes up and even though I was only looking for XXXX XXXX, I am charged, WAIT FOR THIS {$87.00}. I have to pass this fee on to my client and they aren't happy with us because they weren't looking for XXXX, only XXXX XXXX. It turns out the applicant worked for a temp agency and sent to XXXX XXXX to work on a temporary basis. TransUnion is trying to put background companies out of business and own the verification process. Many years ago, Trans Union required that we put in a code number for the company you are looking for and only that code number was verified. If nothing popped up then you weren't charged. Now no matter what comes up, we are charged, even if we no don't need or want any other information. I'm furious and my clients are furious. Applicants sign a consent for release of information only for the information that is on the application that they fill in, not a release of other information that TransUnion is providing. Therefore, my client, their applicant and we, the background company are not covered by the Consent for Release of information. I have been fighting them for years and the price keeps going up and up. We can't go anywhere else to get the verification because TransUnion has a monopoly with these employers. TransUnion comes back to us saying " you get more information '' and I keep telling them we can't use this information because the applicant has only signed a consent for the information they provided on their job application. Please add this complaint to the numerous other complaints against TransUnion. Bottom line is we are paying for items that we are not looking for. They are making us pay for verifications we don't need and don't have the right to use. Please stop them from taking advantage of background companies and businesses trying to do backgrounds on perspective employees.
Product: Money transfer, virtual currency, or money service

I have been a loyal XXXX customer for the majority of my life and also of Zelle. I have had numerous unauthorized transactions and fraud attempts that were never resolved and I've had to pay for out of my own pocket. Transactions that were obviously unauthorized and was told they could do nothing about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XX/XX/XXXX is reporting as unverified, unvalidated account on my Equifax credit report. 

Please see attached documentation.
Product: Checking or savings account

I am filing a complaint against Wells Fargo regarding a disputed charge. I disputed a charge of {$850.00} and XXXX charges of {$200.00} from XXXX, believing they were fraudulent since my ads are paused and my threshold limit is {$200.00}. The Wells Fargo representative disputed the charge fraud rather than unauthorized. Wells Fargo then denied my dispute, stating that it was not classified as fraud and that I could only dispute the charge once, despite having supporting documentation that indicates the dispute was filed incorrectly. I believe this policy is unfair and would like further assistance in resolving this matter. I did not authorize this charge and I am being held responsible for unauthorized transactions.
Product: Debt collection

Ok education credit management corporation XXXX XXXX XXXX XXXX XXXX   XXXX. XXXX MN XXXX. Are Harassing me and writing letters to my former attorney about a debt I Dont owe or know anything about ... First of all I want them to stop calling me and trying to trick me for information. They threatened me so gave them my attorneys name I am address they are writing him for a debt I dont owe ... In a unrelated matter hes a criminal defense lawyer. And has know knowledge of this debt they claim I'm owe ... They a embarrassing me ... because my former lawyer has nothing to do with this debt. More especially me. They have the wrong guy.. I am Disputing this debt so stop all collection action for 30 days until this matter is resolved. According to the fair debt credit reporting act you must stop all attempts to collect on this false debt.
Product: Checking or savings account

bmo harriss bank has refused to open a a account on the endless attemps my whole life and i am a XXXX XXXX XXXX senior now TREATED DIFFERENT IN AMERICA WHY WHY WHY WE THE PEOPLE OF THE UNITED STATES OF AMERICA WHICH I AM ONE A AMERICIAN BORN CITIZEN? IS A CREDIT SCORE GREATER THAN THE US CONSTITION OR IS A BUSSINESS GREATER