23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I was over 2 months delinquent on my credit card which I rarely use due to a late charge from XXXX. The amount I was delinquent on was {$14.00} and I never once received a call from the XXXX XXXX department regarding my delinquency. I only learned about the amount owed after receiving a promotional offer from the bank about XXXX XXXX XXXX they offer. This promotional offer included the words " This is an attempt to collect a debt. '' in the smallest font possible at the bottom. With my girlfriend being in collections for 5+ years I knew this could not be good. 

On XX/XX/XXXX I contacted the bank and asked why I was never contacted regarding a delinquency of over 2 months. A representative name XXXX from the XXXX XXXX department told me, " We have cut down on outbound calls to give people less of a hard time due to the Pandemic. '' The decision of this company to " Decrease outbound calls ... '' has resulted in me never being notified of this {$14.00} delinquency on a credit card with a {$3500.00} credit limit. This has now destroyed my credit score. I was told I would receive a call back from a supervisor to help take care of my problem within 24 - 48 hours On XX/XX/XXXX, having not heard from a supervisor for a week, I called again and was connected to XXXX XXXX, a customer service Supervisor at XXXX. XXXX then told me the reason I was not called back was because my account did not belong in collections in the first place. I then proceeded to explain my situation to him and he sat with me on the phone, assisting me in filing a Credit Bureau Dispute and assured me it would be sent out first thing Monday to help get the delinquency removed from my credit report. XXXX asked if I would still like to speak to a supervisor to which I said yes and was told I would receive a call. 

On XX/XX/XXXX, I was finally contacted by a supervisor and told them that XXXX was wonderful and helped me through the Credit Bureau Dispute process. 

Now, XX/XX/XXXX, I called to inquire as to why I have not heard back about the Credit Bureau Dispute and was connected to XXXX XXXX, another customer service supervisor. He first told me that " I am having trouble pulling up your information due to our system taking a long time to load. '' Getting the sense I was being hoodwinked yet again, I persisted and he eventually told me that No Report Had Been Filed and that the only thing he could do is file an internal complaint. 

Due to the gross negligence of this company, I was never contacted by their collections department about a 60 past due {$14.00} besides a promotional email which has been attached to this Report. Besides being out right lied to about a Credit Bureau Dispute being filed by XXXX XXXX, this failure to contact me due to " cutting down on outbound calls. '' has resulted in my at the time great credit score being knocked down more than XXXX points. 

All of these calls should be recorded and I have time stamps for each conversation. 
My Case ID with XXXX : XXXX
Product: Debt collection

This company is trying to collect a debt that was already paid before going into collections. This was paid on XX/XX/XXXX. This company is claiming they received this debt collection sometime after XX/XX/XXXX. I was never sent a debt validation notice, yet any notice at all. This was then reported to credit bureau in XX/XX/XXXX. After seeing this collection on my report I filed a complaint on XXXX website. I was then finally sent debt validation but nowhere in this letter stated my right to dispute this debt as a consumer. 
This company has committed several violations. 
I have provided so many documents showing proof of everything and this company yet somehow believes I still owe them money even after verifying with the original company that I do not owe them. 
Attached is : - receipt of payment made on XX/XX/XXXX - bank statement showing deduction from my account. 
- move out statement - refund check paid to me from original company from what was left of my move in deposit. 
- XXXX validation notice screenshot of intire email with no right to dispute disclosure. 
- XXXX complaint of all my documents sent to genesis and asking for proof of debt validation that they are claiming they sent in XXXX. 


I hope that someone can actually help me and take the time to actually look at these attachments. Ive sent them to XXXX + credit reporting agency + XXXX and feel as though my disputes are just being ignored. Im hoping to resolve this issue before I will need to take legal action against this company. Thank you.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Collection XXXX XXXX XXXX XXXX XXXX INQUIRIES XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX Late Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Personal Info : Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, MD XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX Employers : XXXX XXXX Employers : XXXX XXXXXXXX Employers : XXXX XXXX
Product: Mortgage

. I have been back and forth with the bankruptcy department to look into these matters on numerous occasions and it seems like things are still not fixed. In XX/XX/2019 I received a statement showing my escrow account was negative and my payment was going to increase to {$1800.00}. I contacted this department and after 2 weeks, making a CFPB complaint and making several attempts to correct the issued, it was resolved and discovered there was an error on my escrow alaysis so an off cycle was requested. My monthly mortgage payment was fixed and back to {$1300.00}. I have now been sending in {$1300.00} as accepted through two representatives with that amount. Below is a statement from LakeView who sent me showing my payment due date, amount past due and current charges on the loan and showing the date these withdraws have been completed. I should only be showing due for XX/XX/XXXX payment due in the amount of {$1300.00} plus late charges and fees. I have spoken with two representatives who were extremely rude, and talked down to me and refused to walk me through what they were saying. They stated its not their job to walk me through anything and the account is behind. One rep actually argued with me the entire time on the phone. One by the name of XXXX who actually was the one who incorrectly escrowed my account and refused to look into it then it the same one REFUSING to look at my payment history. I have been placed on  hold and basically shown that I dont matter as a consumer and that there is no care in the world. Ive asked to speak with managers multiple times and they stated they didnt know when they could talk and that they had things they were doing and would get back to me whenever they felt like it. I am now requesting this in writing as what was mentioned that I need a pay history, and updated explanation on why its showing Im due for XXXX and why my payments are not being applied to my mortgage corrected if this is my statement received. Please look at the documents below proving Ive made my payments and the dates they were made and this statement. My bankruptcy cases is going to be discharged and I need this corrected so I can reaffirm my mortgage. This servicer refuses to work with customers in bankruptcy and has NO indication of my payment amount that theyve been accepting. Now that I want to reaffirm my mortgage they all of a sudden say Im three months passed due, even though the statement is showing otherwise. This servicer should not be allowed to be working with loans. After hours on hold, being talked down to and mislead nothing has been resolved.
Product: Credit reporting or other personal consumer reports

I suffered an identity theft after my wallet was stolen. I received my credit report from SageStream and found a lot of inquires that were not authorized by me and were made without my knowledge or approval. All of the inquires from XX/XX/year> to XX/XX/year> were not authorized by me and were done without my knowledge or approval. I filed a police report and have attached it here.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting a freeze be placed of my XXXX XXXX, XXXX Sage Stream file please send me a pin of security number to protect my file and credit information.This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act, you are required to comply.. My information is clearly shown below : After this credit freeze has been filed, please forward me a written copy of my full report to the address I have confirmed above. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX SS : XXXX DOB : XXXX
Product: Vehicle loan or lease

Vehicle was financed on XXXX XXXX and last payment was XXXX balance was XXXX. Chase auto never release the Title of the vehicle. I called chase Auto finance division in yearXXXX their answer was last payment was not clear. '' I asked them if they sent any written notice by mail if they did it send that but they never replied back ''
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that are reported on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

XX/XX/year> ... checked online for account balances... joint checking with XXXX XXXX, daughter and myself and an estate account for my mother and I was the XXXX... was unable to access accounts online... went to chase to deposit paycheck for merrie.she was informed that account was closed... the XXXX explained to XXXX that a teller at the branch had taken the money ... no mention about action to take ... opened up account at different bank... I prepared to open estate account at XXXX XXXX  and was informed that the account had been closed down because the teller that took the checking account money had also taken estate money ... joint checking account balance was {$29.00}??.??. Estate balance was? XXXX 3 months talked to XXXX at Bank and all XXXX could tell us was they were trying to get the money back from the teller to give to us... for the next XXXX months phoned chase bank in New York and was given the same explanation ... over and over again and again ... it was recommended to contact consumer affairs as they might be able to further help us... for 1 year they tried to collect money due to us but kept getting the same explanation that we had gotten ... last week they informed us that there is nothing they can do to help... thank you and good luck they said... so now I am turning to you for help XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX
Product: Mortgage

I have attempted three times to request an escrow analysis from Amerisave. Every time I get a different answer. My total expenses for property tax and homeowner insurance is {$6900.00} and they are collecting {$950.00} each month totaling {$11000.00} annually. My current escrow has a balance of {$5200.00}. This means by the end of XX/XX/XXXX my escrow balance will be {$9600.00}. 03. I have called the following times : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX Every time I get a different answer stating they will complete an analysis until today XX/XX/XXXX when I spoke to XXXX who states I have to call back XX/XX/XXXX to request the analysis. 

I need to find out what my legal recourse is to solve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my personal credit report and noticed that there were inquiries on my credit report that I did not authorize. All attempts made to resolve this with the companies involved have proven futile. I am a victim of identity theft and did not make these enquiries. The incident related to the theft of my identify has been reported to the Federal Trade Commission. I am requesting that these items are deleted to correct the discrepancies on my credit report. 

FRAUDULENT INQUIRIES Account Name : XXXXXXXX XXXX  Date Reported : XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX Date Reported : XX/XX/XXXX Account Name : XXXX XXXX Date Reported : XX/XX/XXXX Account Name : XXXX XXXX Date Reported : XX/XX/XXXX XXXX
Product: Money transfer, virtual currency, or money service

The company venmo  confiscated {$1400.00} of mine and they won't tell me why but they've had it for around 180 days. I've discussed this within numerous times and they refuse to tell me why please help me in this matter. This happened around XX/XX/XXXX and I believe it's going to be 180 days on XX/XX/XXXX. I've submitted my IDs and everything they've asked for and they still won't comply
Product: Credit card

I have an XXXX FICO score, XXXX in available credit, and & lt ; {$2000.00} in debt in any given month. 
Today I received an email from Capital One inviting me to do a balance transfer, that appears to be in violation of the Credit Reform Law. 
A section of the email stated : '' If you pay your balance in full each month, you do not pay interest on your purchases. Please note, after you accept this offer, you will begin paying interest on all new purchases, even if you pay your purchase balance in full each month. To avoid paying interest on new purchases, you must pay your total balance in full ( including balances from this offer ) by the due date each month. ". 

This appears to be in violation of the law that states that payments shall be applied to highest interest debt first.
Product: Mortgage

Shellpoint Mortgage XXXX acquired my mortgage from XXXX XXXX XXXXXXXX in XX/XX/year>. When the acquisition occurred, the mortgage balance on the Credit Bureau was {$280.00}, XXXX, but when Shellpoint reported to all three bureaus a balance of {$300000.00}. I have attempted to resolve the issue with a direct contact with Shellpoint in XXXX, then a complaint with the XXXX XXXX XXXX, and finally a dispute with the Credit Bureaus in XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX Account XXXX : XXXXXXXX XXXX XX/XX/2XXXX XXXX XXXXXX/XX/2024 These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes. 

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Debt collection

With this collection agency they harrassed me and told me that I needed to make a payment. They did not provide me with a written verification of the debt to prove that I needed to pay. They furthermore, did not try to retract the debt from the proper persons.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is unknown hard inquiry on my credit reports. Im requested the verification of the inquiry and the method of verification. AMEX, Inquiry Date XX/XX/2020. For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry.
Product: Student loan

In XX/XX/year>, Mohela transferred over to dept of education. Prior to this I was on the pslf program and only had a few months left. During this time, Mohela sent out information saying nothing would change and the PSLF counts would be counted during the admin forbareance. They counted XXXX, and XXXX and is saying now that the XXXX time doesnt count because of loans were in forbareance DUE to THEIR changes of transitioning. I did not ask for the forbareance and asked for it to be taking off which it was at first. During this transition time, they added it on without permission. I called and they said time would be counted. Come XXXX, and my payment was qualifying, and I had payments due XXXX XXXX and then again in XXXX, due XX/XX/XXXX, and come to find out my loans are in forbareance again, this time until XXXX which would have been under borrowers defense which I know I signed to NOT be in forbearance and called and filed complaints.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed Spring Oaks Capital LLC collection account for {$940.00} on my XXXX  report. this is not my account. In my dispute I requested them to provide proof of wet signature contract with my signature and if it could not provide or verification that per FCRA section 609 they need to delete account immediately. They were not able to verify account or provide wet signature contract.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX ACCEPTANCE Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX EXPERIAN BUSINESS CREDIT Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX AUTO FIN VIA DEALER Inquired on XX/XX/XXXX On record until XX/XX/XXXX AMERICAN CREDIT ACCEPTAN Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX AUTO FIN VIA DEALER Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX AUTO FIN VIA DEALER Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX NA Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX AUTO FIN VIA DEALER Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX COMENITYCAPITAL/ALCOSM Inquired on XX/XX/XXXX On record until XX/XX/XXXX CREDIT XXXX BANK Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XX/XX/XXXX On record until XX/XX/XXXX REVVI/MRVBANKS/VT Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record XXXX XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX CAPITAL ONE/WAYFAIR Inquired on XX/XX/XXXX On record until XX/XX/XXXX 2025
Product: Debt collection

Tuesday, XX/XX/2019 I received a call from a gentleman name XXXX from Hunter Warfield, he stated he was a debt collector and that I owed money from an apartment rental. I explained to him that this information is fraudulent and I have no knowledge of any such rental. He stated he was sending me an identity theft affidavit to have it notarized and returned. However, he never supplied me with this information. I would not like this fraudulent information reported on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting a complaint to you today to inform and notify you that I am a victim of Identity theft. There are accounts in my file that are erroneous and must be blocked or removed, I have already sent the required and necessary files to the FEDERAL TRADE COMMISSION or https : //www.ftc.gov so please block these accounts : XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX {$6000.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX {$3400.00} XXXX XXXX XXXX XXXX XXXX {$6000.00} XXXX XXXX XXXXXXXX XXXX Balance {$3400.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$6000.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3400.00}