23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have tried repeatedly to contact " JTM Capital Management LLC '' regarding this old debt that I am 100 % not aware of! I have disputed this information on my credit report more times then I can count. I have sent letters that are always returned. and the debt always comes back verified?!?!?!?!?! I have come to a point where i'm trying to repair my credit. I have recieved a notice that my information was leaked on the internet. but i'm not sure which debts are mine and which aren't because many are so old! I planned on paying the ones I'm aware of and disputing the ones I don't think are mine. Starting with this company! it's impossible to get ahold of them by mail or phone! Not to mention the account is XXXX XXXX XXXX and the statute of limitations in NEW YORK State is 3!
Product: Checking or savings account

I received a settlement in XX/XX/year> for {$96000.00}. I decided to transfer {$90000.00} to my business account and kept {$6000.00} in my regular checking account. I went in to the bank to pull a {$15000.00} cashier check in XXXX as well to buy a vehicle. I had made transaction of a XXXX XXXXXXXX dollars every now and then from my business to my checking account. However in the beginning of XXXX I reviewed my business account and noticed some transaction that did not seem familiar. I got in to contact with Wells Fargo to inform them of this. All of the items I disputed where denied and I did not receive my money back. I was given no explanation as to why. In XXXX I noticed my account almost drained and contacted Wells Fargo to report the account. Once again they denied my claim. I continued to contact them in XXXX and XXXX. Money was being moved from my business to my checking account and then disappearing. This totaled up to around {$60000.00}. I have spent every month on the phone for over a hour with a claims specialist listing all the dates for transactions I do not recognize yet nothing is being done. My account was then closed in XXXX with no prior notice to me. They state this is due to fraud in my account yet I have done nothing wrong. I requested more information as to why my account was closed but noting has been provided to me.
Product: Credit reporting or other personal consumer reports

Recently disputed phone number and address of scan artist connected to my experian credit report. Which was not added by the owner. ( self )
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX  XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXXXXX XXXX - Date Opened XX/XX/XXXX
Product: Debt collection

Grant Mercantile Agency Inc. has purchased a debt that does not belong to me. 

1. This is not my debt. 

2. All expenses related to this accident were paid by my Companys insurance carrier, XXXX XXXX. I gave Progressives information to the ambulance Co. personnel on XX/XX/2019. 

3. Company contact information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Illinois XXXX 4. Additionally, This is not a legitimate charge. I did not call for the ambulance. The ambulance personnel took no vitals. Provided zero care for me. I told them they were not needed, and could depart the accident scene on XXXX XXXX. I assume the XXXX, CA XXXX operator dispatched this rig. This service was never requested by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been having this Problem for XXXX XXXXXXXX years.My mother passed away XXXX XXXXXXXX and she was the primary loan holder.At that time I was a co borrower and had my own residence.In XXXX of XXXX my deceased mother 's probate closed and the house was to be paid off.Heres were a serious problem occurred, I was not allowed to close probate because of misleading information on my state record of being a felon.I know you can't be a executioner of a estate if you are convicted felon or have drug problem issues.I didn't have either but wasn't allowed to pay off my mother 's home because of wrongful and criminal record keeping by XXXX  State courts.I was not just a coborrower I am also a heir and also was excluded from closing probate while having a loan to pay off with my deceased mother.My mother 's name wasn't no longer on the mortgage statement so I was on the hook for paying a mortgage off and being robbed of my inheritance by false information by the state XXXX XXXXThe Mortgage company XXXX XXXX sold the loan over to Rush More without knowing that at this point the whole mortgage was fraudulent.Rushmore gained the loan and kept billing me without my mother 's name being on the mortgage statement.The illegal probate was the reason my mother 's name was supposed to been kept on the mortgage statement so this wouldn't have happened.Back in XXXX of XXXX after bringing this illegal probate up my mother 's name was placed back on the mortgage state by Rushmore loan management.This should have let Rushmore loan management know that had bought a fraudulent loan with a deceased person name on a mortgage statement.Rushmore loan management threatened me with foreclosure even after finding out the loan was fraudulent.On XX/XX/XXXX of XXXX my home was foreclosed on and I feel like I got robbed because my mother died in this home and this is what she worked so hard for.I know I have been a victim of mortgage fraud and wrongful foreclosure.I need answers and the return of my estate property!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the accuracy of certain information contained in my credit report that was provided by your agency. I request that you review this information and make the necessary corrections to 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I believe that this information is inaccurate and incomplete, and I am requesting that your agency conduct a thorough investigation into this matter in accordance with 15 USC 1681a ( 2 ) ( B ) of the Fair Credit Reporting Act. 

Pursuant to 15 USC 1681 ( 2 ) ( B ) Any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a " credit card or similar device should be excluded from a consumer report. The definition of a credit card under 15 USC 1681 is the same as it is under 15 USC 1602 ( I ) which states, " The term " CREDIT CARD '' means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor or services on credit. '' Notice, Congress said " ANY '' card. 

The credit card is my social security card. This is the credit card used to originate every consumer credit transaction ON MY CREDIT REPORT. They should all be removed from my consumer report pursuant to 15 USC 1681a ( 2 ) ( B ). I am demanding that you remove these transactions from my credit report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41 I request that you review this information and make the necessary corrections to my credit report. 

Additionally, I would appreciate it if you could provide me with a copy of my credit report once the investigation is complete, as provided for under the FCRA. 

Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX  XXXX UNAUTHORIZED INQUIRIES : 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 XXXXXX/XX/XXXX
Product: Checking or savings account

We have been the victims of fraudulent transactions on our Chase account with an individual gaining access to our account and making transactions via XXXX. In spite of providing documentation of attempts to gain access, a police report, and even a recorded call with a Chase representative while someone was actively trying to gain access to our account we have been debited the money from our account and Chase has denied the claim. Please help us. We continue to be told we cant speak to the person making the decision and continue to get the run around. No one is in our corner and we have been loyal Chase customers for XXXX decades.
Product: Credit reporting or other personal consumer reports

The debts on my account do not belong to me for payday loans and I am getting my FICO lowered because of it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2019, my wife and I purchased a new house. In order to get the mortgage, we had to settle our dispute with XXXX XXXX. We paid XXXX XXXX and submitted the letter showing payment in full to the lender. 

I also supplied that letter to all XXXX credit bureaus, Experian is the only one that hasnt removed it. All XXXX Bureaus have removed it from my wifes credit and she supplied the same proof of payment My XXXX XXXX on Experian is XXXX lower and no matter what I do, it never gets higher. 

I have written documentation I can provide showing payment in full of this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is to inform that XXXX, Experian, and XXXX have violated my consumer rights and now are civilly and criminally liable for their violations on my consumer report. They have failed to notify or input a notice to dispute on my consumer report within a 30 day time frame for the accounts that i am disputing. Also, because they are reporting inaccurate information on my consumer reports and Consumer reports are suppose to be 100 % accurate across all 3 bureaus. The letters were received on XX/XX/2021 and it is now XX/XX/2021 and I have not received and correspondence for these accounts.
Product: Mortgage

I refinanced my FHA mortgage with Arvest Bank in XXXX of XXXX. On Friday, XX/XX/XXXX, I sold my home secured by this mortgage and payoff was to be sent that day from XXXX XXXX XXXX XXXX in XXXX, Arkansas. However, they did not send the wire that day, apparently missing the cutoff time which caused my payoff to not be received until Monday, XX/XX/XXXX. I have been in contact with both XXXX and XXXX, who have not offered any remedy to the situation that is not my fault. I am aware of the CFPB 's stance that this practice is considered a prepayment penalty prohibited by law, and that the FHA effectively banned this for loans made on or after XX/XX/XXXX. While my loan was made prior to this date, there have been numerous successful class action suits made by borrowers over this issue. It is theft. I no longer had legal access to this property as of XX/XX/XXXX and if you aren't going to charge me a mortgage payment for XXXX ( it would have been due XX/XX/XXXX ), how can you charge me interest? In addition, my monthly mortgage payment was made for XXXX of XXXX, which included interest of {$290.00}. Where is the {$590.00} of interest on the payoff coming from? The payoff is dated through XXXX and I closed XX/XX/XXXX. I have been overcharged and I would like these funds returned to me, along with my surplus escrow funds.
Product: Credit card

I have been trying to no avail to close my Kohl 's credit card. I'm facing long wait times whenever I attempt to call someone, and store associates direct me to the number on the back of the card. I no longer wish to have. Kohl 's credit card and want the account closed immediately. Please assist.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am extremely nervous about the recent hack.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX/ XXXX XXXX CAPITAL ONE AUTO FINANCE XXXX XXXX I HAVE REPORTED DISPUTES ON THE ABOVE CREDITORS FOR REPORTING INACCURATE DEROGATORY MARKS, ACCOUNTS STATUS, AND VIOLATING MY CONSUMER RIGHTS. I HAVE FILED A COMPLAINT WITH XXXX   PREVIOUSLY ON XXXX XXXX/XXXX  XXXX AND I NEVER RECEIVED ANY UPDATES, REMOVALS, OR VERIFICATIONS TO SUPPORT THEIR REPORTS.
Product: Credit card or prepaid card

HSBC BANK USA DID A CHARGE BACK ON MY ACCOUNT FOR PURCHASE FOR XXXX  PHONE SERVICE. THE PURCHASE WAS ON XX/XX/XXXX FOR {$80.00}. THE CHARGE BACK WAS ON XX/XX/XXXX. THE BOTTOM LINE IS I HAD TO PAY XXXX  TWO TIMES WITH THE CREDIT CARD AND GOT CREDIT FOR ONE, I CALLED XXXX  ON XX/XX/XXXX, AND THEY ADVISED THAT THE SERVICE WOULD BE DISCONNECTED ON XX/XX/XXXX IF I DID NOT PAY. I ADVISED I PAID BACK ON XX/XX/XXXX. THEY ADVISED HSBC BANK DID A CHARGE BACK. THE BOTTOM LINE IS {$80.00} IS MISSING. I CALLED HSBC ON XX/XX/XXXX AND ADVISED THERE WOULD BE A CREDIT FOR {$80.00} ON THE CREDIT CARD. I AM OUT {$80.00} FOR SHADY DEALINGS WITH THIS COMPANY. I WANT {$80.00} BACK ON MY ACCOUNT AS A CREDIT.. I CALLED HSBC ON XX/XX/XXXX AND THEY ADVISED THEY WOULD CALL BACK. I HAVE BEEN HUNG UP NUMEROUS TIMES AND NOBODY CALLED ME BACK
Product: Credit reporting or other personal consumer reports

TransUnion is illegally reporting incorrect information on my credit report. I should not have a collection on my credit report from XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my eight endeavor 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, block 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 XXXXXXXX ; 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance - ; Bankruptcy chapter XXXX Filed on XX/XX/XXXX Reference number XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX  Balance : {$320.00} ; XXXX XXXX - XXXX XXXX XXXX : {$0.00} ; XXXX XXXX Balance - ; XXXX XXXXXXXX XXXX XXXXXXXX Balance : - ; XXXX XXXX XXXX : XXXX XXXX, XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX.
Product: Credit card or prepaid card

Barclay XXXXs bank XXXX XXXX XXXX XXXX XXXX. 
While traveling, my credit card was compromised. I called Barclay 's bank and requested that the card be cancelled and a new card sent. I never received the card so on XX/XX/XXXX, I paid the final bill and closed the account. I later received a statement charging late fees and interest. I disputed the charge and was told that it would be waived. I received a statement the following month still showing the fees so I called Barclay 's. They had trouble finding the account but eventually did and told me that the fees would be waived. I began to receive daily " Robocalls '' about the late balance, each time that I called Barclay 's, I was told that there was a 0 balance, and that the system needed to update. On XX/XX/XXXX, I received notice that the late payments were submitted to the credit bureau, damaging my credit rating. I called Barclay 's again, after 69 minutes on the phone, I was able to get a manager who claims to have resolved this issue. In all, I have made 6 phone calls, each lasting about 45 minutes because the agents are unable to locate my account. To avoid further compromise to my credit score, I paid the balance which I will now have to try to recoup. I believe that this is planned obsolescence on the part of Barclay 's Bank to charge fees which are not due.
Product: Credit reporting or other personal consumer reports

According to 15 USC 1681E ( b ). Trans union and XXXX, did not assure maximum possible accuracy on this account below XXXX XXXX XXXX XXXX. Account is not accurate. And according to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the knows or cause to believe that the information is inaccurate.

I was a student with CRST expedited trucking. I worked for XXXX  months for them. The contract was after 9 months you are free of that contract. I have proof that I exceeded my contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any 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 relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX, VA XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX
Product: Money transfer, virtual currency, or money service

I dispute that I owe and/or have a negative {$610.00} balance with PayPal. Base on the grounds PayPal activity were unauthorize withdrawn from my XXXX XXXX XXXX XXXX account. Under close scrutiny of my account for XXXX and XX/XX/XXXX demonstrate I made no purchase of goods or services for PayPal claim, Moreover, there was no previous outstanding balance before XX/XX/XXXX. I sign an affidavit with my bank and PayPal return my {$610.00}. PayPal thereafter has wrongfully place my account in a negative balance in the amount of {$610.00}.
Product: Debt collection

On XXXX XXXX my husband took me to XXXX XXXX XXXX, as I was experiencing XXXX XXXX XXXX XXXX XXXX. I was given and XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and was told to follow up with my XXXX XXXX XXXX XXXX I am currently paying that bill for {$1000.00} in monthly payments to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, in the amount of {$88.00} / Month. I have paid {$350.00} so far, it is XXXX out of my bank account. 

I started receiving bills from XXXX XXXX XXXX, I have never been there however my XXXX was whom deceased 3 years ago. I called the number on the bill from the XXXX  and explained that I was not there, the date was the same as the date I was treated and the XXXX XXXX XXXX, how could I be in XXXX places at the same time. They said they would note this. Approximately XXXX weeks later I received this letter from XXXX saying that I owe {$2000.00} - creditor listed is XXXX XXXX XXXX XXXX XXXX?. When I contacted the number on the UCB letter She said yes you were there we have you there, so I said let me see my admission, signature etc that they should have on file, she stated to send proof that I was not there to an email - XXXX. I said all I have is my XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX  at XXXX XXXX. This is extremely worrisome to me, not only for my XXXX XXXX but that I XXXX be the victim of a scam.
Product: Credit reporting or other personal consumer reports

RE : Inaccurate Reporting Recently, Ive reviewed my credit reports and found the following inaccurate late payments XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX According to the fair credit reporting act ( FCRA ) 15 U.S.C 1681i all unverified and inaccurate information most be promptly DELETED please provide me all information your bureau used to verify this inaccuracy of late payment. Non compliance with the request for deletion if you can not produce METRO 2 COMPLIANT EVIDENCE my legal team to file complaints with FTC, CFPB, ATTORNEY GENERAL of North Carolina all with any further legal action we deem necessary including but not limited to civil punitive damages. 

Please provide me a updated copy of my credit report upon completion of investigation
Product: Checking or savings account

On XX/XX/XXXX my Checking account with Bank of America account # XXXX was closed due to a check that was deposited in the amount of {$4600.00} which they felt at the time would not clear however after further investigation they could not find anything in regards to the check being fraudulent therefore the amount of {$4500.00} was released on XX/XX/XXXX to a special account with Bank of America which there after a letter shouldve been send out to me in regards to unclaimed property giving me the opportunity to claim These funds however when contacting the company Im givin nothing but the runaround and no information as to how to access the money or when I will receive it so I am in hopes that contacting you I will get elsewhere