23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am reaching out to Discover about an account that I have been dealing with that has yet to be resolved. This account is listed as a chargeoff account that Discover has wrongfully accused me of. According to the black law dictionary, a chargeoff is an accounting term where one item is eliminated from the assets lists when it is lost or deemed worthless. In laymen 's terms, a chargeoff means the writing off of a debt. I am also aware that in order for something to be charged off, a 1099c form has to be completed. If the transaction is over {$600.00}, then that means that you are furnishing this debt as an income, not as a charge-off. If you have in fact listed this account as a chargeoff, I am demanding that you show proof where you have removed this asset from your book, as well as the 1099c proving that this debt has in fact been charged off. Providing the requested information that I mentioned will protect me as well as you from tax fraud. If you can not provide me proof of where you have removed this asset from your book as well as the 099c form proving that this debt has been charged off, I am demanding that you delete this account or I will press charges against Discover for racketeering.
Product: Debt collection

I have a property at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. Every year I paid my Levee Fee. 

I used to live at XXXX XXXX XXXX, XXXX XXXX XXXX   XXXX. I used to received my Levee bill there, I moved out since XXXX and every year from then I contact the Levee office to send the bill to my new address, which is XXXX XXXX XXXX plus I ask the agency to update their file with my new address. I also send a letter to the Levee Office stating my new address, but the levee office fail to update their system with my current address. Because of that I miss XXXX and XXXX Levee payment. 


In XX/XX/XXXX, Portnoff Law Associates located at XXXX of XXXX send a letter to XXXX XXXX XXXX with outstanding balance of {$610.00}. Again I no longer live at that address. The firm claim they send several documents to XXXX XXXX XXXX, however, I never received any document because I move out of that address over 10 years. 

I called the law firm to explained that I moved out of XXXX XXXX XXXX for over 10 years, and I ask if they can reduce the billed because the agency who usually send out their Levee bills fail to update my address in their system, and somehow I missed XXXX and XXXX payment. The law firm refuse to reduce the outstanding balance. 

I would like a reduce fair balance, because this happen because the Levee Office fail to update their files.
Product: Checking or savings account

On XX/XX/2021 chime closed my account because they said I wasnt in compliance with its policies excuted at enrollment I have never did anything fraudulent with my account my funds come from unemployment and STIMULAS I had a total of XXXX XXXX in my account when the closed it and chime is refusing to give me my money back I have set documentation to them and that still didnt work I have contacted the XXXX  the first time they told me to send documentation the second time they said that Im not due a refund.it has been 31 days now
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third time contacting you about a IDENTITY THEFT issue that was not handled. 
I am a Victim of Identity Theft FROM YOUR DATA BREACH. My claim number is XXXX. 
There is information that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. 

I am requesting that the reporting of this information be, PERMANENTLY DELETED FROM MY CREDIT REPORT. These addresses and inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Please delete these inquiries I do not have these accounts nor ever applied for them. 
XXXX OF XXXX XX/XX/XXXX XXXX OF XXXX XXXX, XXXX XXXX - XX/XX/XXXX Attached are documents from my credit report with the inquiries shown. Also there is a copy of my XXXX XXXX claim number along with other documentation you may need to handle this matter promptly as possible. 

I have tried to get these removed multiple times but they were not because they are tied to fraudulent closed accounts the fraudster used.
Product: Debt collection

It was a medical emergency XXXX therefore fully covered by my insurance. I had a XXXX XXXX during XXXX and was not told about it noted in XXXX app. My husband wasnt notified of it either. Bill owed was claimed to be an out of network provider XXXX  operating on the same day did the XXXX. Therefore supposedly I owed for being out of network when bill clearly stated it was in fact my networks hospital my XXXX was performed. Now my records of my XXXX XXXX in XXXX XXXX have been removed from evidence to support my claim against their negligence of their actions in withholding information from the patients family.
Product: Debt collection

Enhanced Recovery I am responding to your notice that you placed in my consumer re-port under collections about a debt you are trying to collect. 

Please supply the information below so that I have all information : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. 

Provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was trans-ferred. When you identify the original creditor, please provide any other name by which I might know them. In addition, tell me when the did you obtained the debt. 

Provide verification and documentation that there is a valid basis for claiming that I must pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? 

The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. 
State the amount of the debt when you obtained it, and when that was. 

Best Regards, XXXX XXXX XXXX
Product: Debt collection

I received a letter from a company called Citizens One. 
I never heard of them I never did business with them and they are claiming that I missed my I phone payment. 

It looks like a collection agency letter but I am not sure, they are claiming that they are going to inform credit bureau that I am 30 days late. 

To me this looks like fraud and I wish that you look into this fraudulent letter and company because they may be causing others the same problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX inquiry XXXX XXXX XXXX inquiry XXXX XXXX inquiry XXXX I was informed by my XXXX XXXX XXXX XXXX of the numerous inquiries which lowered my borrowing power with XXXX. I was asking for a loan with my credit union and because of these inquiries, that I did not initiate or give permission to do, I was turned down for the amount of the original loan I applied for. 

XXXX ( XXXX XXXX XXXX ) was never an application for credit made by me. ( I only shop at XXXX XXXX! ) XXXX XXXX - I was informed by my credit union that it is a home repair company. NEVER would I make a loan for home improvements - now or ever! 

XXXX XXXX XXXX - I did not make credit application for this credit company.
Product: Credit reporting or other personal consumer reports

I am unable to recognize some of the accounts on my credit report. The theft of my identity has occurred. An account list is provided in the letter for all unfamiliar accounts. A notice of identity theft has been sent to the Federal Trade Commission, and I have received a copy of the Identity Theft Affidavit. These accounts should be removed since I am unaware of them. My respectful request is to have the following items removed. Sincere thanks are appreciated in advance.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

Hello, This complaint is against Bank of America credit card claim department regarding {$120.00} charge dispute. 

I did online shopping from XXXX XXXX on XX/XX/2019 and was waiting for tracking number for 15 days. Then i tried to click on there email to track packaging website was not working and it seems to be fraud.

I called bank on XX/XX/2019 to file dispute and they credited me on XX/XX/2019. I checked my app on XX/XX/2019 and saw charge of {$120.00} and i called them and asked about that charge and they said dispute claim is denied as they recevied reply from merchant that they have delivered me product and they are waiting for my return receipt. 

I told agent i didn't recevied package forget about return. There website is not working and i dont have tracking number to track package neither any form of contact info to reach out merchant. 

Agent told me that they have mailed be denial letter and also letter to file again. I told i didn't recevied that and i dont access my online baking as i do my banking from mobile app and they dont have any message center in app due to that i didn't recevied any notification to process further. Agent guide me and reset my password to do online banking to check letter. She guide to to print letter fill out info and fax them with reference documents with that. 

Very next day on XXXX i called them again before faxing and then agent said i dont have to send anything now as they were investigating more on this as they have request more info from merchant like tracking number and other info but they didn't recevied and waiting on that. 

I called them on XXXX  & XX/XX/XXXX to take follow up and they said to wait as they were still reviewing. Then i called them on XXXX to check status they said they denied as i didn't send them required documents under there guidelines and i told agent they said not to send any more and she started arguing me on that. 

I told agent to check recording of my call with them and noted they provided and she admitted that its there agents fault for misguiding me but now she can not do anything and i have to bear that loss. 

I have been calling them over a month and talking to them over a hour every time. 

Please ask them there recordings that i talk to agents on XX/XX/XXXX, XXXX & XXXX,XX/XX/XXXX,XXXX & XXXX. Also noted there agent have taken. 

Do ask investigation report towards that merchant! 

Please help me to get my {$120.00} back or to put new claim again. 

Thanks and Regards, XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I did not purchase anything from Montgomery Wards, I know who did, but they did it in my name I don't know if it was tools or tires, I am not paying for something that I don't and have not used! I have contacted the main office and they told me to get a signed document from that person and he will not do it! I don't know what to do with this account! If it was the tools I don't use them and they are no where in my home and for the tires I have a different vecheil, and have had for over a year! So maybe I could get some direction on how to handle this! Thank you!
Product: Vehicle loan or lease

Ray Skillman XXXX XXXX in XXXX, IN, the buy here pay here section, was given a XXXX XXXX XXXX XXXX ( XXXX in color ) back because the vehicle had to many issues and had been looked at three times for electrical issues in the passenger front door panel. The dealership placed a voluntary repossession on my credit. I gave them back the van so that we did not have to go too court because of the state 's lemon law. There are two issues that are present, first when the vehicle was sold and prior to any documents being signed we found out that the vehicle had been in a car accident and was not reported. At that time a written agreement was written and was signed by the sales manager, that if there was any problems with this vehicle that they would do what was necessary to get us out of it. Well they never feel through on this agreement ( it is on the back of the first page of buyers agreement ). Second I gave the company the three strikes that is required by Indiana state law to declare this vehicle a lemon but they still claim on my credit as a voluntary repossion. This vehicle was given back to them because the electrical problems were causing issues with driving and the passenger front window would not go up or down at times.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my credit report and noticed that the following accounts are reporting inaccurately ;
Product: Debt collection

Jefferson Capital Systems has been reporting an erroneous account to my credit file. They are falsely accusing me of owing them {$790.00}. I have never had any account with Jefferson Capital Systems. Also, I have no relationship with them.They cant provide me with any agreement that I may have signed with Jefferson Capital Systems simply because it does not exist.. This is clearly a fraudulent act on the part of Jefferson Capital Systems. Because of their ruthless and illegal practices my credit score, as well as my life, will be impacted negatively. Please resolve this immediately. Cease and desist. Remove from all CRA.
Product: Mortgage

I have asked Shellpoint Mortgage Servicing repeatedly for an escrow accounting. They have sent me all sorts of conflicting documents and have changed my escrow amount by over {$800.00} per month without an accounting. I want an escrow analysis showing how my escrow payment was calculated and how the monies collected were disbursed. I have asked for this via email and got automated acknowledgement on the following dates below. Shellpoint assumed debt servicing on XX/XX/XXXX from XXXX  XXXX XXXX and has since sold the loan to another company effective XX/XX/XXXX. With change in servicing to yet another company, getting an official accounting of my escrow will be virtually impossible. 

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX XXXX 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

I am making you aware that XX/XX/2022 I sent to XXXX XXXX, XXXX XXXX, XXXX XXXX a notice informing them of their violation that allowed me to make an uninformed decision when I entered an agreement with their company. The information given to me was not clear nor conspicuous for me as a consumer to understand. The companies failed to provide me with an adequate notice giving me pertinent facts that were to be clear and conspicuous. I am making you aware of the fraud and deception these financial institutions have been doing. According to 15 USC 1611 whoever willfully and knowingly gives false or inaccurate information shall be fined for {$5000.00} or be imprisoned not more than one year or both. You have been warned of the notice.
Product: Checking or savings account

Ever since I've started my sideline with XXXX  ( which is a XXXX service ), it was a great sideline. The app is fairly easy to use and pays good. Although the only problem was the company that pays us ( Branch wallet ), all the money I was saving for a business was stolen. I've downloaded the app and activated my card and never used the card since I was only saving all of the money I have from that sideline and ever since I haven't checked my money until now and I was surprised that there's a ton of transactions that I did not authorized. I don't know how those transactions were made. I tried looking for my card and it came to my attention that my card is missing this whole time. There's even a negative fund on my account. I've already contacted the company and I still don't have any response from them. I need the money back that I've worked hard for. The total stolen money out of my account is {$4200.00}. I've attached all the fraudulent transactions below also the steps I took with the company.
Product: Credit reporting or other personal consumer reports

To whom it may concern : The Fair Credit Reporting Act gives me the opportunity to dispute any information on my credit report that I believe is inaccurate. This law requires all data in a consumer 's file be documented and validated before it can be used by creditors, so I take this seriously! The allegations of delinquency and derogatory behavior against me are false. I will fight back with all my strength! Your report accuracy is crucial. The allegations you are reporting do not meet federal or state requirements for reporting, so they can not be confirmed. I challenge this claim because it lacks compliance by meeting some basic standards that would make me feel more confident in what is being said. You are required to maintain and report data with complete accuracy and compliance. You must not report any claims that you know should be in compliance with regulations. We need to make sure all of your claims are accurate and reported in the correct format, as this is required by law ( FCRA ) as well as reporting standards METRO 2+. However, I request evidence that shows why my accounts are considered to be in a negative state. The proof of a permissible purpose for the inquiry or account within my report must be included. This letter serves as notice that you are not doing your job properly. It is imperative for this issue to be resolved immediately, or else there could potentially be serious consequences. I'm giving you 30 days from the date of this letter to resolve this issue, otherwise there could be consequences.I would like to receive physical proof of your actions and my updated credit report. The listed claims appear to be inaccurate. Please provide accurate and verified information for each claim, as the allegations are not true or I'll delete them immediately if that is indeed the case.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE FRAUDULENT ACCOUNT ON MY CREDIT REPORT WAS OPENED WITHOUT MY CONSENT. I HAVE SENT NUMEROUS REQUESTS TO HAVE THE FRAUDULENT ACCOUNT FROM MY CREDIT PROFILE. THE COMPANY IS NO LONGER IN BUSINESS, I HAVE NO IDEA WHERE THIS FRAUDULENT ACCOUNT HAS BEEN SOLD TO, I HAVE SENT NUMEROUS REQUEST ALONG WITH POLICE REPORT, NOTARIZED DOCUMENTS TO HAVE THE FRAUDULENT ACCOUNT TO BE REMOVED FROM MY CREDIT REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

Okay I have worked all my life i am still legally married but I never a divorce I left him XXXX now since I then I worked always i only got unemployment i time and that was in XXXX or XXXX I applied for unemployment benefits in XXXX I waited from XXXX XXXX the approved me I didn't have a card tho so I didn't get my card tell XXXX my case was close XX/XX/XXXX I also was getting XXXX at the same time and they didn't give me all mines so around that time XXXX XXXX XXXX XXXX XXXX XXXX its expected for unemployment my back up pay Also XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX these people have access to my phone my apps they have app that control it from the phone watch computer tablet they XXXX XXXX email or different one and old age differe nt state or international they go threw you tube XXXX XXXX XXXX any app that takes wire transfer or XXXX  its a donation but its a purchase they even using my identity and its wrong and isn't justice I still have not received one payment not a settlement unemployment equifax breach transition nothing not one drop they have not fix my credit we did score its people every where I go they use my aid off my re ci I was Nt a court hear to settle this whole theft cause I have not seen one cent
Product: Student loan

My original loan disbursement in XX/XX/XXXX held a balance of roughly {$36000.00}. I have paid roughly {$46000.00} back on this student loan. My repayment balance today is roughly {$49000.00}. Navient customer service explains that this is due to interest rate accrual ... I was a given a couple of short no-interest accrual forbearance periods, however, I have paid consistently since XX/XX/XXXX, and with my re-payment amount currently at {$46000.00} it simply does not add-up that I can owe {$49000.00} today.
Product: Checking or savings account

A wire transfer of XXXX $ was fraudulently made out of my checking account at HSBC by someone at XXXX XXXX. The money was withdrawn on XX/XX/24. I have since reported the fraud and made weekly calls in an attempt to have the stolen funds reimbursed. I have waited hours on hold, spoken to 20+ representatives, made several trips to HSBC offices, sent emails as directed to non working email addresses and been hung up on all in an attempt to be reimbursed.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impact my consumer report and are.
Product: Debt collection

Someone used my name and social security number to apply for an apartment in another city. This individual was denied an apartment to rent and wrote a check for the application fee which was returned as insufficient funds. The apartment complex subsequently turned this information over to a debt collection agency and it is now showing on my credit report. This information does not belong to me and should be removed from my credit report.
Product: Money transfer, virtual currency, or money service

Cash App was taking money and or charging different fees. The cancel my account and wouldnt explain why only said not following guidelines