23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$510.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing with XXXX XXXX all of 2017 with Experian and even when I provide proof that company did n't have the correct information regarding their ownership of the debt or provide anything, Experian still marks it as verified.I also reported company to the CFPB and XXXX XXXX still fails to remove the negative information they have off my credit report.When I called Experian over the phone within the last few days they admitted that they do n't verify the account themselves they use a third-party.But never sent me any proof that they actually did the foot work
Product: Mortgage

My mortgage company is overcharging me for PMI insurance. When the XXXX payment was paid on XX/XX/2019 IAO {$1000.00} by XXXX felt below XXXX. %, New Rez continue to charged a PMI payment for {$57.00} on XX/XX/2019, afterwards I paid {$24000.00} towards the principal and i was charged another PMI payment on XX/XX/2019 when my XXXX was below XXXX %. I called and complaint and no response, continued to call them but they demanded for me to submit the request in writing to cancel the PMI. I find this discriminatory it supposed to be automatic. As of today, I see no resolution from my lender, i feel that my PMI should have dropped automatically after my XXXX reached below XXXX   % in addition i never missed a single payment on my mortgage. Please help me get this cancel and get a refunds for the 2 PMI payments the owed me back to my account.
Product: Checking or savings account

I mobile deposited a check for {$350.00} on XX/XX/2020. The check was written to XXXX ( XXXX XXXX XXXX ) a business that I own. I have been on the phone numerous times, complained, went into a chase branch, and exhausted all of my remedies. 
I brought many documents into the chase branch to verify that XXXX is owned by me XXXX XXXX. This is not the only time I Have dealt with chase and I will never open account again. I would like for this issue to be resolved. I went into the chase branch numerous times like customer service told me to and still did not receive my funds. 
Chase is the most difficult customer service to deal with, very rude, inconsiderate, and no help at all. Never again
Product: Debt collection

I began treatment with XXXX in XX/XX/year>. In XX/XX/year>, the company filed for bankruptcy, and my orthodontic treatment was never completed. I did not receive my retainers, and the aligners they sent were misaligned and defective. 

Before filing for bankruptcy, XXXX instructed customers to stop making payments. Later, without completing the service or issuing a full refund, they sent my account to collections through TEKCollect/XXXX. I had already paid for a majority of the treatment, and it is unfair and unethical to be held liable for an incomplete service that was interrupted by their bankruptcy. 

I am disputing the validity of this debt. I have requested validation from the collection agency. Im also asking that this debt be removed from my credit report as it is not accurate or fair.
Product: Credit reporting or other personal consumer reports

I have attached additional information for these accounts as Equifax requested ID information, which no reason to close the compliant as there is no way this information can be verified or validated for the matter because all the paperwork shows this impossible. There are setting themselves up for the law suit they will not be able to win and will publish information once complete if they do not correct this issue. 

Not to mention, there is a woman who sued them for millions of dollars and won because they refused recognized Identity Theft on her credit report. I will use the SAME ATTORENY 'S if not corrected! 

Here is the article : XX/XX/year> -- For two years an Oregon woman tried without success to get mistakes in her Equifax credit report fixed. Now a jury has awarded her {$18.00} XXXX for her trouble. XX/XX/year> Another One Right Here : XXXX XXXX XXXXXXXX Again, I was XXXX  during that time... Therefore, it was not me.
Product: Checking or savings account

On XX/XX/year> I noticed an unauthorized large amount withdrawal from my chase bank checking account. I called their claim department and went to their branch immediately to dispute the transaction. XXXX, I were told they can not see any details of this transaction until next day it is posted, and can't file the claim at same da. So I reported this fraud withdrawal to the police department and have to wait till next day to make the claim. I called in next day and filed the claim. They told me someone faked my ID and appeared in a branch where is not even in the state XXXX resident, made this fraudulent cash withdrawal. I strongly feel the employees in that branch are not responsible and professional to handle the cash withdrawal. They did not compare the ID that thief present to original documents in their system. They just verbally provided me a reference number and asked me to wait for their investigation when I filed the claim. They can't provide me any confirmation of the claim in written and can't let me easily track my claim status. They told me they will only send me notice by mail once the decision of the claim is made. I feel very unsecured while being taken care of this fraud claim by chase. Chase should be fully liable for my big loss.
Product: Debt collection

the account was opened in my name by someone i dont know and yet im being called after me telling them to cease and dismiss calls
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NV XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed XXXX {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Bankruptcy XXXX Date Filed/Reported XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

In complaint # XXXX and others I proved what Select Portfolio and XXXX XXXX call a modification was actually a cash out refinance loan, and I was never given any RESPA documents showing where the funds were dispersed and never given a 3 day right of rescission as per required by Federal law. 
This cash out refinance was done on XXXX/XXXX/XXXX, which would be the day that my right to rescind would start. 
SPS has finally quit trying to deny paying off any other loans ( XXXX actually paid off my then first mortgage with XXXX Mortgage, without my knowledge or permission, but they are trying to claim that my right of rescission was effective from XXXX when I took out my original loan, which was with XXXX. 
How they can assert this is beyond me, because the cash out refinance of my XXXX loan was done on XXXX/XXXX/XXXX, not XXXX. 
I rescinded the loan in XXXX XXXX, which is well within the 3 year right of rescission that SPS admits exists. Therefore, I again demand that my loan be rescinded. I also demand that the CFPB take enforcement action against these RESPA violations.
Product: Debt collection

- XXXX XXXX card went to collection in XX/XX/XXXX to XXXX XXXX XXXX in XXXX TX, for the amount of {$1000.00}. 
- No late fees were deducted for the first 3 months of collection XX/XX/XXXX - XX/XX/XXXX. Nor this company discuss doing that, for me. 
- I agreed to pay {$50.00} a month until it was paid. 
- They used a sales pitch to get an XXXX XXXX XXXX card with a {$500.00} limit once the debt was paid. I told them I did not want it and I did not want a lot phone calls as I would pay the debt as stated two lines above. 
- They appeared to be using some over aggressive tactics, by means of tone of voice and words. I do not appreciate that. 
- On XX/XX/XXXX on or about XXXX eastern standard time : Caller from XXXX called me and said her name was XXXX XXXX, from XXXX XXXX. She said " we are gon na need to some secure some checks, this a 30 day card, so we need to get some checks from you ''. I already pay via bill pay to XXXX XXXX, as I was originally told I could do. I also said I planned on having the debt paid with 12 months roughly. I told them this XX/XX/XXXX. I then explained to XXXX XXXX, I do not give my checking account information out over the phone. Hence, the reason for XXXX directly. 
XXXX XXXX also said during the course of the conversation : " Are you getting a an IRS refund? '' That is personal and not any of hers or their business. XXXX XXXX then says " Well we just want to see if you can pay more, now? '' - These are aggressive and unprofessional tactics, a completely disgraceful manner to conduct business. When XXXX XXXX realized I was well aware of my affairs, she quickly said thank you and got off the phone. I do not even know if she really works there or this was spoof call. Either way, if she does, XXXX needs to correct their training deficiencies and enforce quality control. 
- Bottom line is they are unprofessional and the above statements reflect that.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following creditors and Experian have been and are reporting inaccurate information on my credit report. I have been damaged and denied credit because of the inaccurate information reported by the following creditors and Experian. Experian and the following creditors have been and are reporting my accounts as managed by credit counseling program which is not true. I sent certified mails and provided the evidence ( the termination letter from the credit counseling agency ) to all Experian and the following creditors which confirms that my accounts were regular accounts and not managed by credit counseling program since XX/XX/XXXX. I waited more than 30 days to have the verifiable proofs from the following creditors or Experian of their inaccurate information and I didnt receive them from all of them. Since neither the following creditors nor Experian have any verifiable proof of their inaccurate information and it has been more than 30 days since they received the dispute, according to Fair Credit Reporting Act 15 U.S. Code Sec. 1681i ( a ) the following accounts should be deleted immediately. Certified mail tracking number sent to Experian on XX/XX/XXXX : XXXX. Second Certified mail tracking number sent to Experian on XX/XX/XXXX : XXXX. Third certified mail tracking number sent to Experian on XX/XX/XXXX : XXXX. Certified mail tracking number sent to XXXX XXXX XXXX on XX/XX/XXXX : XXXX. Certified mail tracking number sent to XXXX XXXX XXXX on XX/XX/XXXX : XXXX. Certified mail tracking number sent to XXXX XXXX on XX/XX/XXXX : XXXX. The following creditors and accounts should be deleted immediately are : Creditor Name : XXXX XXXX Account Number : # XXXX Creditor Name : XXXX XXXX XXXX XXXX Account Number : # XXXX Creditor Name : XXXX XXXX XXXX Account Number : # XXXX Creditor Name : XXXX XXXX XXXX Account Number : # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to all three credit reporting agencies as well as furniture of reporting and accurate information which seems to be fraudulent and do not match current credit profile
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/XXXX i was eligible to take out a secondary loan. I was approved for {$700.00}. the payments for the secondary loan was {$84.00} every week on fridays. I had gone out of town due to a family emergency. I was out of work for a week. When i returned back my hours were cut. I had requested to revoke my ACH until i was able to get back on my feet. I had attempted to get back on track. But on XXXX my bank account was overdrawn due to an unexpected expense i needed to cover. on XX/XX/XXXX two payments were taken out of {$61.00} and {$84.00} were drafted which caused my account to get overdrawn and i was charged overdraft fees. I kept getting calls from Cash Advance Now i have reached out to remove my number to add to the do not call list i was told that my number is placed on the do not call list but i kept getting calls. I reached out again explained my situation. Then placed my number on the do not call list. I did stop getting calls but then i got an email stating that the account resolutions hasnt heard from me. Around XXXX  i had experienced a hardship. I sent an email saying that i am in a hardship and to please cease and desist communication until i get back on my feet. I did start picking up hours last week but i had to pay and take care of other obligations. I am on a fixed income and i am barely making it. I can not continue to pay two loans every week. I would like a settlement that is affordable and whatever i have paid before and to close the loan. I do not want to go through another overdraft in my account. This has been very rough for me during the holidays. I reached out through Consumer Finance Protection Bureau explaining the hardship I was going through. On XX/XX/year> I received a response from Cash Advance Now and the response said I made a partial payment and that Cash Advance Now is willing to make a settlement of {$440.00} to settle the account. How much did I pay in total? And I did have intentions on setting up a payment plan but unfortunately I had fallen behind because I had some financial obligations to take care of. which put me behind which I wasnt expecting to happen I would like to settle for what I have paid or go on a payment plan I am on a fixed income and Im barely making it.
Product: Bank account or service

01 XXXX XXXX XXXX Chase fail to submit my property to the Michigan XXXX Unclaimed Property Division XXXX under my name. The result is the the XXXX is unable ti identify the account they hold my property under or if they have it at all. As fiduciary it is J.P. Morgan Chase duty to ascertain my name is listed along side my property in XXXX website as Michigan law requires. The property is a result of investments called. The investments were registered to me but made through my ex-spouse XXXX XXXX account in the period of XXXX. They were called XX/XX/XXXX 
02. I would like for XXXX XXXX Chase to identify the XXXX account my property is being held under whereby I might file claim to such account. On the basis of deductive reasoning I judge XXXX account number XXXX having name as XXXX XXXX. I recently filed claim to such account. 
03. My name is XXXX XXXX XXXX XXXX plus my ex-spouse name is XXXX XXXX. My present day address is XXXX XXXX, XXXX, Michigan XXXX plus my telephone number is XXXX XXXX XXXX XXXX. My email address is XXXXXXXXXXXX.
Product: Debt collection

This debt was paid over the phone and received correspondence by mail that the payment was received on XX/XX/XXXX. Per the conversation this debt was to be completely removed from my credit report ( I recorded my conversation with the rep and manager in case of a situation such as this ). This debt is still sitting on my credit report and there last update to all bureaus was XX/XX/XXXX. Based on there typical updates each month this should have been updated no later than XX/XX/XXXX and that has yet to happen. However I received another notice on Monday that it was paid and I have the emails sent from earlier in XXXX that the payment posted. Please let me kno how to submit the mp4 of recording and where to forward emails. I can take pics of the mail correspondence but will not be uploading until I receive the response.
Product: Debt collection

I received yet another notification of collections on my credit report about a medical debt that is likely from a Wyoming XXXX XXXX claim from 2023. The collection agency needs to contact Wyoming XXXX XXXX and promptly remove this collection.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 I was trying to log into my Coinbase account on my laptop, which I had done only one or two other times as I normally use my phone app. After entering my login in credentials there was a message stating that my " Account had been restricted and that I need to call the number provided. '' There was also a chat window in the lower corner. I chose to use the chat to notify customer service that my account was locked. The person on the other end responded and told me that my account had been compromised by someone in OHIO. They asked me to open up the email from Coinbase and request that the IP address City : XXXX, Country : United States, IP Address : XXXX in the email not be authorized on my account. They then explained that a customer service rep would call my phone to walk me through the rest of the restart and unlocking of my account. I received a call from XXXX. I began to get suspicious, so I hung up and I called the phone number on the screen, XXXX. 

When the person answered I asked the individual to verify his employment with Coinbase and he gave me a name to XXXX and find his XXXX account. I started to receive messages via SMS and they asked me to enter those ID number to verify my identity. He then asked me to download a program XXXX, which I already had on my computer. From there he requested access to my computer in order to reset my profile for Coinbase. As he began to clear my cache and then he opened a browser window to open my Coinbase login screen and logged in to my account, I saw the list of withdrawals. I started to strongly question what he was doing and began to get upset. He was trying to reassure me that he was trying to help. I hung up with him. I used a different computer to XXXX a customer service number for COINBASE support, XXXX. 

I immediately chose the option to freeze my account. From there I reached a customer service representative that would not disclose any of my account information or balances on my portfolio. She tried to reassure me that everything was going to be okay and that it was going to take about 24hours to get my account reset and recovered. I repeatedly asked to speak to someone in their fraud/security department and was told she had no way to transfer the call and that they would be sending an email for my to communicate any fraud issues with my account. This company processes billions of dollars of transactions everyday. It is unacceptable that they do not have a fraud department to assist in asset recovery for their customers!! 

On XX/XX/2021 at XXXX I received an email that my Coinbase account was recovered, I immediately logged in and reset my password. ALL of my portfolio both USD and Cryptocurrency was converted to Bitcoin ( {$40000.00} ).
Product: Credit reporting, credit repair services, or other personal consumer reports

This is showing up again. I spoke with XXXX- this never should have been charged to me. I had nys no fault AND private insurance AND NYS Medicaid as I was pregnant. They advised me they would be removing it. 

Now its back on my credit report, apparently from a collection agency, that I have never heard from either.
Product: Student loan

i called in to discuss my options because of the amount of money i make because of the fact i am a family of XXXX with a XXXX husband and i bring home XXXX after insurance and taxes before it was XXXX a year and they kept offering me a forbance and they never offered me the income driven repayment i seen online tried to link my tax return and it would not work and so they said that would send me the paperwork and when i got it there was consodating paperwork which i called come to find out there was some that was was not added when the other rep did the last time it was consodated which the main reason these call were happening was i got a loan forgiveness i was not even getting any bill or anything else telling i was even late which meant my credit was getting report but i was getting anything so until i called i dont feel they were doing their jobs and now i have probably have had about XXXX more added to my total since my last forbearance was started XXXX Florida XXXX FLorida XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I called and filed a dispute on numerous occasions with XXXX, XXXX and Experian to have inquiries that I did not approved removed, and accounts that are reporting inaccurate on my credit profile and they have refused to delete these items. 

XXXX- Last dispute was done on XX/XX/2020, amount is said to be {$420.00} dollars, the actions taken was a dispute letter was sent to the Bureaus stating that the date of Last activity, last report, and date opened was all reporting inaccurate which is a violation of the Fair Credit Reporting Act. They failed to investigate and remove the inaccuracies. 

XXXX XXXX- Last dispute was done on XX/XX/2020, amount is said to be {$1200.00} dollars, the actions taken was a dispute letter was sent to the Bureaus stating that the date of last activity, last payment, and the date of the date opened is listed inaccurately, Also the monthly payment, credit limit, and terms are missing from the report. I ask them to delete it as they are reporting inaccurate information and they failed to do so. 

XXXX XXXX XXXX- Last dispute was done on XX/XX/2020, amount is said to be {$840.00} dollars, he actions taken was a dispute letter was sent to the Bureaus stating that the monthly payment, terms, credit limit, past due, and the date of last payment was all missing on this account. Also, the fact that medical bills should not be reporting as it is viloation of my privacy. I have disputed this account multiple times and they have failed to remove it from my report. 

Inquires that need to be removed as I did not give any permission. 

XXXX XXXX XXXXl ( XX/XX/2020 ) and XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX ( XX/XX/2020 ) and XXXX XXXX XXXX  XXXX ( XX/XX/2020 ), XXXX ( XX/XX/2020 ), XXXX ( XX/XX/2020 ) and XXXXl ( XX/XX/2020 ) Experian- US SM BUS ADMIN ODA- ( XX/XX/2020 and XX/XX/2020 )