23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I was selling some chairs. I got a text from phone number XXXX. The agreement was that they would send me a check in the amount of {$3400.00}. I would keep {$1900.00} and give the moving company {$1500.00}. I received and deposited the check at my local Chase bank via ATM on Thursday, XX/XX/XXXX. The check cleared the next day Friday XX/XX/XXXX. The buyer than asked me to deposit the {$1500.00} instead of give the movers in cash so they can have a receipt of the deposit. The {$1500.00} was to be deposited to a chase bank account XXXX XXXX account number XXXX on Saturday XX/XX/XXXX. I looked up the company and it was valid and since it was a Chase account I didnt think much of it. A few hours after this transaction was done the buyer contacted me saying that I need to send the amount {$1700.00}, $ XXXX- {$250.00} because I lost another buyer, to his nephew and that he cant go through with the transaction. He asked me to deposit the amount to XXXX XXXX at XXXX XXXX XXXX XXXX XXXX bank ACC # XXXX routing number XXXX. I told them that they are going to have to wait as I didnt trust this was a legit transaction. They started threatening me and calling from phone number XXXX. In the meantime, I called Chase Fraud department and explained that I thought I was in receipt of a counterfeit check and that I was being scammed. Chase fraud assured me that the check cleared and the funds where available and nothing seemed to be wrong. I still wanted to wait another 24 hours before I returned any more to them. On Monday XX/XX/XXXX, I saw that everything was still ok so I told the buyer I would send them the money. They asked that I send via XXXX XXXX to another nephew XXXX XXXX XXXX address XXXX XXXX XXXX , XXXX, In XXXX. The XXXX XXXX tracking number is XXXX XXXX. They picked up the money Tuesday XX/XX/XXXX. The buyer than told me to send the remaining {$250.00} plus the {$25.00} the XXXX XXXX charged as a fee. I told them to stop contacting me and they kept threatening me. Then he said that I should send the {$250.00} and the deal is back on and that they would send me a new check for the chairs. I stopped responding and checked my bank account. The amount of {$3400.00} was deducted. I called Chase and spoke to the customer service manager. I ask her what happened and she said the check wasnt endorsed properly and the funds where returned to the issuing bank. I explained that I had called on Saturday and they told me all was well they then said there was nothing they can do about it, even when I asked that they freeze my account as I think I might be at risk of identity theft. NOTHING they can. They also said that there was no way they can know this would happen. I was shocked. I then asked what does invalid endorsement mean as I've been depositing checks for years and I am very sure that I followed the proper procedure. They could not respond. Im available to provide any further information you may need.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate, incomplete and erroneous information reported in my consumer report. Would like deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my XXXX Credit Report there are three credit card accounts for The Home Depot credit cards, two of which are mine, however the 3rd one is not mine. I've contacted The Home Depot to correct their error in reporting this third credit card under my name and was able to determine that the problem is due to my phone number is associated with my ex-employer 's Home Depot Credit Card, and her rewards points account at Home Depot. The account number I believe is associated with this The Home Depot Credit Card is XXXX XXXX XXXX ends with XXXX or XXXX. I believe that this credit card belongs to XXXX XXXX, an ex-employer and an ex-roommate of mine, who added me as an authorized signer on her Home Depot account several years ago, possibly giving them my phone number to contact as I was a job site supervisor for construction materials purchases for her at the time. However, I am not responsible for her credit card account at Home Depot. I've repeatedly explained my issue to their Credit Department and although they promised to stop reporting in my name, they have neglected to correct the issue. Since the account is paid on time, they seem to be reluctant to address this issue. I've also complained by filing a dispute with XXXX, and they investigated and neglected to change their credit reporting for me. The balance is ill-effecting my credit score. If anybody would seriously investigate this issue, they should be able to see the credit card payments are not being made by me because it's not my credit card! I want this high balance to stop being reported in my name, so I am hopeful that you can have better results then I have had in getting XXXX and XXXX to discontinue reporting this account on my credit. The XXXX Investigation report number is XXXX and was Investigated in XX/XX/ XXXX and remains reported on my credit report. Thank You for your assistance in resolving this credit reporting error.
Product: Credit card or prepaid card

I have had a credit card with synchrony bank for use at guitar center stores. This is a nationwide chain for musicians to be able to purchase expensive items and fiance them. They offer the financing options through a credit card company that done through synchrony bank. 

I have had this card for a years time. I have had PERFECT payment history with the card and usually paying more than the minimum payments. I noticed they have an option to view your credit score. I clicked on this and it said my credit score was around 560 ... I was SHOCKED. I immediately got onto XXXX and the XXXX websites to check my score. Both of my scores on these sites were around 630 to 650 due to high card balances. I got a hold of the bank and told them their scoring system is fraudulent and incorrect. They said they would look into this for me and try and figure out what was going on. I never once heard back from anyone there. 

Last month in XXXX they decided to randomly close my account for no reason what so ever. I never got a phone call or anything. But apparently I will be getting a letter in the mail stating why. Now the closing of my account is totally unjustified when I have had perfect payments with the company. I feel their use of a fraudulent credit scoring system is a result of this closing. 

My credit score is now effected even more so now and has gone down do to this closing because its showing my available credit even lower and is showing me using 105 % of my allowed credit. 

I don't understand how this is even legal or allowed
Product: Debt collection

The original creditor is from XXXX XXXX XXXX opened XX/XX/2017. They are attempting to collect {$110.00}. I have no knowledge of this account because I did not use this cable company during that time ( I had a XXXX XXXX ) I didnt even know about the debt until I looked at my credit report. I received no calls nor letters. I asked if I paid it ( even though its not mine ) would they delete it off my report and they declined. I do not appreciate this company tarnishing my credit and would like this to be removed as soon as possible. Thanks in advance
Product: Debt collection

Ace sent a very threatening email saying they would file a lawsuit against me making me pay over XXXX unless I paid roughly {$400.00} I have not gotten in calls, letters, I dont know when this debt was or how old. It was very threatening.
Product: Student loan

I borrowed approx {$55000.00} in parent plus loans, beginning in XXXX and ending in XXXX for the purpose of financing XXXX of my childrens ' education. Some of the loans were co-signed by my ex husband, and all were qualified through the income from his business. Divorce papers were filed in XXXX of XXXX, and he blocked me from access to all family finances, while refusing to make payments on these loans, which then went into default. The divorce became final in XXXX, and the divorce agreement stated that though he retained his profitable business, we were equally liable for the balance of the loans, and I did not have the resources to hire a lawyer to hold him accountable. I called the loan company, who insisted that the only option was to put all of the loans on forbearance, and the only way they would do this was if I consolidated the loans into one debt. As per their instructions, I signed the loan consolidation papers and the new loan was placed on forbearance status. Without the guidance of a lawyer, and based on the " expert '' instructions of the Navient employees, I unknowingly removed my ex husband from any liability or connection to the loans by only signing my name. In addition, every time the forbearance status came due, I was advised to renew the status. At no time was an income based repayment plan offered or discussed. As a result, this loan was on forbearance from XXXX until approx XXXX when I called and asked about the IBR plans, adding capitalized interest at astronomical rates, and bringing the balance up to {$87000.00}. If the subject of an IBR plan had been discussed when the loan was first consolidated, the interest would not have been capitalized and the principle balance would still be at my original {$61000.00}. Navient 's employees should be held accountable for providing incorrect and harmful information, in this case unnecessarily increasing my debt by {$20000.00}, lengthening the repayment time, and resulting in the removal of the co-signer 's liability. I will be XXXX years old when this debt is dismissed, and I will never have made a dent in the balance, due to the high interest rate on the higher principle. In addition, with the high balance to principle ratio, I will never again be able to buy a car, house, or establish useable credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam : I am a victim of identity theft and I completed and submitted an identity theft affidavit. Also, please refrain from reporting and block all information resulting from this case pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that this information must be removed within four business days of receipt. 

I disputed this account with as fraudulent with experian and the creditor and they continue to report this charge off on my credit report. They report it back as verified but verifying an account does not prove that it is valid. 


XXXX XXXX Account number XXXX Account type Cell Phone Date opened Indicates the date an account was opened XX/XX/2018 Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Representative : I am writing because I found some information that is inaccurate on my credit report. You are reporting a late payment on XX/XX/2017 on the XXXX XXXX XXXX XXXX  account. 

This is not true, I was not late on XX/XX/2017.
Product: Mortgage

Searched records seems BoA wasn't the mortgagee in XXXX. They had their XXXX XXXX XXXX XXXX sign in XXXX. 
In XXXX had a service file the changing legal descriptions to add a 2nd house to their forged FHA mortgage. 
Note the FHA loan number on BoA mortgage is fictitious HUD found the mortgage they sold in a pool with the XXXX FHA loan case number a XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX 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 : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : 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 XXXXXX/XX/XXXX
Product: Debt collection

I filed bankruptcy over a year ago and it was discharged already. XXXX and XXXX ( the collection company were included. Now, XXXX has passed this debt to a company called Convergent. Once I filed for bankruptcy ; ALL COLLECTION IS SUPPOSE TO STOP. On XX/XX/XXXX, I found a collection notice in my mail from this Convergent company, this is a violation of federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

It was released by Equifax on XX/XX/XXXX that 143 million people could be affected by a data breach in which cybercriminals stole information including names, Social Security numbers, birth dates, addresses, and the numbers of some driver 's licenses. 

Using their online checker, linked here : https : //www.equifaxsecurity2017.com/ I was told that my identity may have been compromised by this checker. I therefore have reason to believe, as reported by Equifax themselves, that Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XX/XX/XXXX. 

I did not enroll in the free protection surface Equifax is offering in compensation because Equifax has included the non-arbitration clause contained in the terms of service consumers must sign off on upon enrolling. 

I am filing a complaint as Equifax has irresponsibly secured my information and put my livelihood at risk. Such a large breach in security is not only unprecedented, but also a glaring example of private industries ' cavalier attitudes towards consumer protections. Equifax is defrauding injured parties with hidden terms of service that waive their right to sue Equifax in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.
Product: Payday loan, title loan, or personal loan

I originated this loan on XX/XX/XXXX my first due date was XX/XX/XXXX. My monthly payment is {$1400.00}, I made the first payment for XXXX XX/XX/XXXX for XX/XX/XXXX due date in the amount of {$1500.00} the company applied the payment but never rolled the due date to XX/XX/XXXX they applied it to 9 days of interest ( XXXX ) and the rest to principle. 2nd payment was made XX/XX/XXXX for the XX/XX/XXXX payment this payment was applied to XX/XX/XXXX actual due date. I made the 3rd payment on XX/XX/XXXX for XX/XX/XXXX in the amount of {$1400.00} they applied this payment to the XX/XX/XXXX. My intent in making these payments early has been to be ahead on my due dates. I called customer service on XXXX and spoke with a customer service representative and he did not understand why or how the payments were applied and why the due dates did not roll after each payment made. He opened up an escalation case of research and their response was they apply payments the day they receive them, and it only pays for interest through the date paid. Basically, if I make my payment ahead, I will still be due for the same payment again that month. I asked them to reverse the payments and apply them to the actual payment due dates making me due for XX/XX/XXXX. The company said that's not how they apply the payments, and I am still due for the XX/XX/XXXX. I asked for a higher escalation and received the same response. I reviewed my promissory note, and it states partial prepayments would apply to interest, fees, and principle however I made 3 full payments. The logic and application of payments by Upstart does not make sense a consumer can't ever get ahead on payments even with a 60-month amortization schedule they provided. I am asking for your agency to get involved I am not in a financial position where I can continue to find {$1400.00} to make 2 payments in a month because their accounting method is not accurate. I was recently laid off and my income is limited. Your help with this matter is greatly appreciated. Please see attachments. Failure to receive an appropriate response to this problem has prompted me to write directly to you.
Product: Credit reporting

it seems like no one is helping me - not even your organization! I 've been disputing this information for almost a year now and not even ONCE have I received information proving these accounts to be mine! I 'm a victim of ID theft - I even have the papers that cleared my name when I had someone using my name and information to open accounts and do other criminal activities The person is the one who opened these XXXX accounts - not me. Just as in XXXX v XXXX, if they had done a handwriting analysis, they would see that I am not the one who did this! Not only that, but with the XXXX account - how are they even verifying this information when both equifax and XXXX both have different balances and open dates?? XXXX removed this account because they knew it to be ID theft and NOT mine! I need for someone to find out why they are violating the FCRA and not removing this from my credit file! What 's wrong with these people????? 
See my letter that I have attached that I am sending with this complaint.
Product: Debt collection

There is a company by the name of XXXX XXXX XXXX that has contacted my family, my girlfriend about debt that I have no clue about. I was threatened with them coming to my job and serving me with legal papers. I then called the place and they would not tell me anything until I verified my social. They also called my parents and girlfriend and told them I have legal papers that would be served. They could not tell what the legal papers were when i asked them. I also requested they stopped calling me on XX/XX/XXXX then I received a call on XX/XX/XXXX from them with a harassing voicemail.
Product: Credit reporting, credit repair services, or other personal consumer reports

My daughter leased a new car with XXXX XXXX XXXX and I co-signed as it was her first new car when she graduated from college in XXXX. Her lease expired and she leased a new XXXX on XX/XX/XXXX. XXXX XXXX in XXXX XXXX MA never closed out the first lease until XX/XX/XXXX after I threatened to file a complaint with the Attorney General 's Office an MA. Delinquent payments reported on the lease turned in were removed. When we did the original lease I asked about the excise tax we pay in MA and was told that XXXX pays that. The manager of XXXX told me the lease was closed and all set. XXXX XXXX told my daughter the lease was closed when in fact it wasn't. She owed a property tax which is actually the excise tax that we were told in the beginning that XXXX pays. Neither my daughter or myself knew what this Property Tax was and again were told the lease was closed out. While on vacation my daughter got a notification from XXXX XXXX staying her credit score had dropped. I also got notification from my bank that my credit score had dropped over 100 points. When my daughter called after vacation she was told she owed the property tax so she paid it over the phone 2 months after the lease was closed. I talked to XXXX and XXXX at XXXX XXXX and they will not remove the 60 day late on the credit report that is impacting our credit. 
The credit bureau told me it stays on the report for 7 years. My daughter never missed a payment on this lease and I was not asked to co-sign the second lease because she had a perfect payment history. We need help getting the 60 day late removed. I don't think we should penalized for a mistake. So many phone calls with no help.
Product: Debt collection

I found out through the fraud investigator a XXXX XXXX that someone impersonating me called their customer service department and asked for a loan payoff on my first mortgage. When asked to verify that it was authentically me calling, they gave the last four digits of my SSN to the customer service representative at XXXX XXXX. The person impersonating me asked to have loan payoff faxed to them at XXXX. This fax incurred at {$15.00} charge on my account that I had to fight to take off as I never called XXXX XXXX for a payoff statement. 
This required me to freeze my credit reports and file a criminal complaint with XXXX XXXX XXXX for ID theft and fraud. 
The person impersonating me has been identified as West Coast Servicing out of XXXX XXXX, CA. They are a loan servicing company that was hired by the noteholder on the second loan on my house. 
They wanted this information to use against me for financial gain.
Product: Debt collection

I am writing to formally dispute a collection account reported on my credit report by Eastern Account System in the amount of {$190.00} related to XXXX. 

In XXXX, XXXX and I mutually agreed to close my account due to security issues on XXXX 's end. The account was never actively used. XXXX assured me they would remove any unauthorized charges and send me a corrected final invoice to my home address. However, they failed to send any invoice by mail and instead forwarded the account directly to collections without proper notification. 

Upon contacting Eastern Account System to request the invoice be mailed directly to my residence or emailed to my valid email address, they repeatedly stated that it was sent to an email address ( XXXX or a similar address ), which XXXX itself had closed and I had never actively used. Despite numerous requests and clear explanations during multiple conversations, the collection agency has not provided me with the invoice through an appropriate channel. 

I have consistently communicated my willingness to resolve this matter upon reviewing the detailed invoice. Unfortunately, despite my repeated requests over the past 30 days and my explicit instructions noted in phone calls ( which should have been recorded by Eastern Account System ), the situation remains unresolved.

Given the circumstances detailed above, I request t
his unfair collection be removed from my credit report immediately until Eastern Account System properly provides me with the invoice for review.