23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am being contacted and harrassed by Radius Global solutions about a debt wXXXX XXXX XXXX XXXX they say I owe of a little over {$600.00}. I repeatedly tell them I have not had an XXXXXXXX XXXX XXXX  account for over 20 years and owe them nothing. They keep asking for me to verify my social and I tell them no. They did ask if my email was XXXX which I said it is not. They asked if I lived at an address in XXXX XXXX, MD which I have only lived on the XXXX XXXX in XXXX XXXX XXXX, so they clearly have the wrong XXXX XXXX. Please make these vultures stop texting, calling and bugging me when I don't owe XXXX XXXX XXXX  anything. I actually called XXXX XXXX XXXX  and gave them my social and nothing came up. The lady there said this is probably a scam, but either way, I am putting this in just in case. I also have credit protection on and show nothing on there for collections from anyone, let alone XXXX XXXX XXXX
Product: Checking or savings account

I am filing a bank fraud complaint against JP Morgan Chase Bank regarding an unauthorized debit transaction from my checking account. 
Someone withdrew {$2500.00} from my account over the counter without my authorization at JP Morgan Chase branch located at XXXX XXXX XXXX, XXXX, NY XXXX on XX/XX/2022. The withdrawal slip shows a signature different from my ID signature. The persons date of birth, address and phone number do not match my personal information in Chase bank system either. 
I want to make it clear that the debit transaction was not carried out by me in any form. In fact, the fraudulent transaction succeeded because bank employee did not follow standard protocol, failed to verify customers identity. Chase Bank ignored their own mistakes and promptly denied my claim without conducting a thorough investigation.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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

My identity was used for a bankruptcy filing, the bankruptcy is reporting on XXXX, Equifax and XXXX as a public record. The bankruptcy filing is fraudulent. I have disputed the information several times, and the agencies say they verify this information from XXXX. XXXX uses a third-party to verify the public record which is not legal because it can't be verified through the courts, directly.
Product: Credit card or prepaid card

On Thursday, XX/XX/XXXX, I submitted an application online with XXXX XXXX XXXX XXXX in XXXX XXXX, FL. Shortly after, I spoke to the Leasing Agent, XXXX XXXX, over the phone and I authorized a charge for the application fee in the amount of {$75.00}. I provided my credit card information over the phone to pay the application fee, but I was charged more than {$75.00}. I did NOT authorize the additional charges placed on my card by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The total amount charged by XXXX XXXX XXXX is {$580.00} USD. It should be {$75.00}, so I disputed the amount of {$510.00} with Chase. In both the first and secondary reviews by Chase, they found the transaction to be valid, despite the information I provided that clearly proves that I never agreed to these charges. Consequently, I am filing this complaint with the Consumer Financial Protection Bureau as I have exhausted my options with Chase.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am distraught that Equifax has incorrectly reported my payments to XXXX  for the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have written to Equifax several times for that incorrect information to be removed and to no avail, they neglect my request. And now, I suffer with such negative information showing on my credit report and thus presenting a horrible score that prevents me from growing financially. Consider this complaint as a formal request for removal of the referenced inaccurate information. I have attached PROOF that I paid XXXX  for each month referenced above and I expect Equifax to change the payment status for the XXXX credit card account to Current, never late. I highlighted the proof for easier understanding.
Product: Mortgage

Please see attached pdf copies of five ( 5 ) pending QWR requests sent earlier to JP Morgan Chase. 

These were sent XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX & XXXX XXXX, XXXX ( see attached ). 

JP Morgan Chase is required to make reasonable efforts to satisfy these QWR Requests, including retrieving the same from computers, backups, archives, phone records & transcripts. 

With respect to QWR items that are required by me, they have claim that they do not exist but have not made any effort to retrieve them. XXXX replies from JP Morgan Chase dated XXXX/XXXX/XXXX ( Case number : XXXX ) and XXXX/XXXX/XXXX ( Case number : XXXX ). 

I have n't requested for duplicate information via these 5 QWR requests. Yet JP Morgan Chase has partially satisfied some request without stating a full reason as to why other items were not sent to me or why these QWR items can not be retrieved from backups or recreated to satisfy these QWR requests. 

This amounts to concealing information contained in my loan file. 

I am entitled to receive complete information requested, because JP Morgan has committed an error on my loan and abused the TARP programs ( see Case number : XXXX ). 
Most importantly I require : a ) Complete Contact History b ) Complete Communications History. 
c ) Proof of ownership of my Mortgage Note d ) Complete Phone conversation transcripts/Notes See attached 5 QWR requests.
Product: Credit reporting or other personal consumer reports

There has been debt reporting on my accounts after debt was sold to a collection agency, I've sent a letter to all three companies XXXX XXXX, XXXX, and experian to remove these account. However the debt has not been verified although I have received an email stating that it has however that is not true. I have certified mail receipts for all three companies on the XXXX of XX/XX/year> and copies of the letters I've sent asking them to remove this information from my account as it is fraudulent and the debt is not mine. the amounts that have been reported include {$250.00}, {$740.00}, and {$140.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im reaching out because, I continually tried disputing fraudulent and erroneous accounts and personal information directly with the credit bureaus to remove them from my credit profile. The keep saying that the Lexis Nexus and providing them with the information. I have contacted them and they are saying my records are frozen and that no information is being sent from them. I contacted the court and they stated they don't even report to credit. It clear that one of these companies is lying. Especially since the credit bureaus were initially provided with documentation of an affidavit to report the identity theft. I work over the road as a truck driver and me and my father share the same first and last name even our our middle name starts with the same letter. I did not receive any response to the information provided. When I called I was advise to resubmit the information. This issue is continuing to destroy my identity. They ALL have failed to do my investigation in full and delete ALL the remaining fraudulent accounts on my credit file. In addition, Due to failure in NOT responding is an automatic FCRA violation of them not properly handing my dispute. I am just ready for this nightmare to be over with!
Product: Credit reporting or other personal consumer reports

EQUIFAX is obligated by the FRCA to report accurate accounting.consumer has advised ALL the inquires reported was fraud. said ha to removed 4 days according to LAW to remove such items.FTC fraud report was filed on behalf of consumer, consumer is now requesting EQUIFAX to provide documentation used to determine inquiry was indeed authorized by the consumer, EQUIFAX has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature.consumer is NOT asking for an e-oscar report.if EQUIFAX does not have documentation to show these were in fact authorized it must be removed asap.SAID company is liable under the SEC to follow certain rules.EQUIFAX commission file numberXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 will be filling form XXXX  treasury omb forms to audit consumers account.EQUIFAX is securitizing consumers data yet refuse to provide consumer a copy of their CONSUMER FILE NOT CONSUMER REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attention : Consumer Relations, I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report. 

Item # 1 : I dispute XXXX XXXX & XXXX XXXX {$7800.00}, account XXXX. This is not mines. The company didnt send me any notification of debt. This is required by law. As of XXXX I have not received any notification of debt. Please delete this account. I have sent copy of dispute with original creditor prior to sale of account debt. 

Item # 2 : I dispute XXXX XXXX XXXX  Balance {$120.00}, account XXXX. This is not mines. The company didnt send me any notification of debt. This is required by law. Please delete this account. I have sent copy of dispute with original creditor prior to sale of account debt. 

Item # 3 : I dispute XXXX XXXX XXXX  Balance {$120.00}, account XXXX. This is not mines. The company didnt send me any notification of debt. This is required by law. Please delete this account. I have sent copy of dispute with original creditor prior to sale of account debt. 

Per Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item that is not valid, is inaccurate, or has outdated information from my credit report.

In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information. 
Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for you to validate these items. 

The inquiries below are not authorized by me. 

XXXX Inquiry from XX/XX/2020 Misc. 
XXXX Inquiry from XX/XX/2020 XXXX XXXX  Acc Inquiry from XX/XX/2020 Bank XXXX XXXX Inquiry from XX/XX/2020 XXXX  XXXX XXXX  Inquiry from XX/XX/2020 XXXX XXXX  Inquiry from XX/XX/2020 XXXX XXXX  XXXX Inquiry from XX/XX/2020 XXXX XXXX XXXX  Inquiry from XX/XX/2020 XXXX XXXX XXXX XXXX Inquiry from XX/XX/2020 Bank  XXXX Inquiry from XX/XX/2020 Finance XXXX Inquiry from XX/XX/2020 Finance  XXXX  Acc Inquiry from XX/XX/2020 Bank XXXX XXXX XXXX Inquiry from XX/XX/2020 Automotive XXXX  Inquiry from XX/XX/2020 Finance XXXX  Inquiry from XX/XX/2020 Finance XXXX  Inquiry from XX/XX/2020 Bank XXXX XXXX Inquiry from XX/XX/2020 Bank Thank you for your prompt attention in this matter. 

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

InXX/XX/XXXX, my husband made a purchase at an online retailer with XXXX. The credit card issuer is Barclay 's bank. I receive paperless statements, and went to my online banking system to pay them. This account is used once or twice a years. My online bank indicated I paid the bill on the XXXX of the month, which was outdated information. The due date apparently was the XXXX. The full balance was paid, 3 days late. In my mind, I paid the bill, and forgot about it. XXXX XXXX through Barclays Bank contacted me at my email, ( which I never received ) indicating that I did not pay my bill on time, and continued to assess late charges and fees. When I was alerted by XXXX, on or about the XXXX XXXX XXXX that this was on my credit report, I called Barclays, and settled the dispute with them. They erased all charges. I spoke with two different representatives that told me they could not contact the credit reporting agencies on my behalf, and gave me an address. I wrote a letter, and copied XXXX and XXXX. I received an email from XXXX, which is attached, and I can not open the response.
Product: Credit reporting or other personal consumer reports

As a furnisher, it is your explicit responsibility to promptly notate when an account is under dispute. I've been disputing the following account for a frustrating 8 months, and despite the mandated 30-day timeline, you have consistently failed to update the comments section to reflect the ongoing dispute. We're now in the eighth month, starting from XX/XX/, and yet you still haven't taken action to notate the dispute.
Product: Student loan

I knew that I was eligible to consolidate my student loans, half of which would come due 6 months later ( XX/XX/XXXX ), the other half immediately. I began calling Navient the day after I graduated to set a forebearance on the necessary loans so they would all be due in XX/XX/XXXX, allowing me to consolidate them all at once. Once they were notified of my graduation, they were happy to do this for me. 

Three months later ( XX/XX/XXXX ) I start getting notifications of payments due that month. I called again and spoke to a supervisor, and they said the agreement we made was only for my government loans, not the private ones. Even though they assured me in XX/XX/XXXX that ALL of my loans were included, they would not defer my loans as promised. 

My private student loans with Navient total roughly {$27000.00}, and the payments are roughly $ XXXX/month. Additionally, they wanted to charge me $ XXXX/loan ( XXXX ) to lower my monthly payment to a realistic amount. Since I could not afford an extra {$150.00}, they could do nothing more for me. 

After hitting my credit with a 60 day past-due notice, I called again to try to negotiate a reasonable payment. I was told that I could either pay the past due amount ( $ 1,000+ ) and request a lower payment, or allow them to take payments out of my bank account monthly. I explained that I do not get paid on the same day/date every month, as it 's a 2 week pay period. I was offering to make payments if they could make them reasonable, but they refused to help. Not only was the agent refusing to look at my account to see the previous conversations I 'd had with other agents, but he lied and told me no supervisors were in the building XXXX-XXXX. Roughly 20 min later, a supervisor called me back. She refused to apologize that the agent lied to me, or even acknowledge it. She then informed me that she will be referring my account for litigation and disconnected the call. 

I WANT to make payments, but they continually lie to me and refuse to accept any type of agreement that would n't overly benefit them. I do n't understand how this is legal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I settled an account with Conn 's but my credit report is reflecting that I still owe a balance. I need this corrected ASAP. I called Conn 's and was told I needed to call XXXX. XXXX told me that I needed to call Conn 's.
Product: Credit reporting or other personal consumer reports

I am reaching out regarding an account that is placed on my credit report. This account is an identity theft account. I have no knowledge of this account, yet this account is still on my credit report. I have submitted proper documentation to support that this account is fraudulent. This account is flagged as a charge-off/collection account. As a consumer, I am aware that this creditor was supposed to send my 1099-c from proving that this company has used my account to cancel out the debt and use it for tax purposes. Because they did not make me aware of this, this is considered tax fraud. I am also aware that because this account is a collection, I was supposed to be provided the orignial contract, the company 's errors and omissions policy number, the chain of title, and I have not been provided any of these things. This account has been hindering me and is causing me to harm my financial reputation. Please send me the appropriate documentation or delete this fraudulent account. This is ridiculous at this point. 

Wells Fargo/Dillards Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block these items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX XX/XX/2023 XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$24000.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX : {$33000.00} XXXX XXXXXXXX Balance : {$12000.00} XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/202XXXX XXXX XXXX XXXXXX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XX/XX/2023
Product: Mortgage

Back in XXXX my husband did a loan with XXXX XXXX who was bought out by XXXX than SPS Servicing. We paid faithfully every month for 15 years. Then we received notice that my husbands loan was a XXXX loan and it matured in XX/XX/XXXX. And that we originally took out for XXXX but in the end we owe XXXX. I asked how can that be so none of the payment went towards the loan? They added on fees, for what I don't know, one person told me from transferring from one company to the next I said so none of MY PAYMENTS WENT TO THER LOAN????. So I said for 15 years payments not one penny went to the loan?????? Hard to believe. I've asked for copies of every payment, can't get that because its 15 years old and the first company is out of business. I found out that XXXX out of the XXXX payment was going towards the loan. So if that is true that would be that I at least paid XXXX of this loan off????? They are stating that we owe the whole amount of XXXX. I paid XXXX already to see if they would settle for that and they said no your house is going for short sale or foreclosure. So my husband went into his XXXX k and took XXXX out to pay them to save our house. I tried for a year to do a modification with them as I sent in paperwork after paperwork after paperwork and I have it all and after a year they denied us. One person there told us that they are hurting that they want to take peoples home like mine and make money off of it. Also they told us because we are NOT behind on mortgage they would not help us. I said isn't that good, you don't want people behind. I need help as something is not adding up here. There website said they are here to help people save there home. Well they sent me papers and want me to do a short sale or foreclosure .... Now are they helping at all and I want to know why didn ; t any of my money go towards the loan... It had to. Please help so others do don ; t have to go through the worry of this.
Product: Credit reporting or other personal consumer reports

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Collection XXXX XXXX XXXX XXXX XXXX XXXXXXXX - {$1400.00} Late Payment XXXX  - XXXX - {$1600.00} XXXX  - XXXX - {$16000.00} XXXX XXXX XXXXXXXX - {$1100.00} XXXX XXXX  - XXXX - {$9600.00} XXXX  XXXX - XXXX - {$0.00}
Product: Debt collection

XXXX XXXX levied by bank account with XXXX XXXX XXXX for over {$5900.00} which was all the money I had to live on as a XXXX and XXXX Veteran. They claimed that they bought a " discharged '' debt originally owed by XXXX XXXX/ XXXX who charged off the debt in XXXX and received a tax credit from IRS ( {$4000.00} ) and then sold this old discharged debt to XXXX XXXX in XXXX for pennies. XXXX XXXX filed a civil suit and never serve me and got a default judgment in XXXX. Now 5 years later they secured a Writ to levy my account which they have and now I do not have any money to live on. 
I contact XXXX XXXX and spoke to XXXX XXXX at XXXX-XXXX-XXXX who was very rude and said she didnt care about my situation and said that I needed to pay them the full balance of {$13000.00} or they would come to my house to collect the money. I told them I didnt remember having any credit account with XXXX XXXX/ XXXX but she didnt care and in fact said that is my problem and didnt have any information about the type of debt it was. XXXX XXXX XXXX will not release back my money without XXXX XXXX authorizing so I can not my mortgage or buy food or medication I need for my XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised I have a tradeline from XXXX XXXXXXXX XXXX on my credit report! It is a self lender account as to where I paid a certain amount each month and it is deposited into a CD and at the end of the term ( which I have completed ) I get my money plus interest back! The tradeline is showing I was 30 days late in XX/XX/2017 which is not correct! I was never 30 days late!
Product: Money transfer, virtual currency, or money service

My friend was scammed. A Man who identified himself as a XXXX XXXX contacted her an requested money for an XXXX XXXX needed the money or he would be denied XXXX She contacted me an I XXXX the money XXXX XXXX. I contacted Bank America and I was told XXXX XXXX refused to return the money. Even though it was verified with the XXXX and a police report was filed XXXX.