23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX Attention : Dispute Resolution / Customer Service Subject : Dispute of Debt Due to Identity Theft ( Account # : [ Insert Account Number ] ) Dear Sir/Madam, I am writing to formally dispute a debt of {$3900.00} listed under my name on XX/XX/year>, which I believe to be a result of identity theft. This account is not mine, and I have already filed a police report to report the fraudulent activity. A copy of my police report was previously sent to you on [ Insert Date you sent the police report ], but I have not received a response within the required XXXX period. 

Under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ), I am asserting that this debt is fraudulent and that I am not responsible for it. I am requesting that XXXX XXXX XXXX investigate this matter thoroughly, as it involves the use of my personal information without my consent. 

In accordance with the law, I am requesting the following : Immediate removal of the fraudulent debt from my credit report, as it is the result of identity theft. 
Written confirmation that this debt is being investigated as identity theft and that no further collection efforts will be pursued while the investigation is ongoing. 
Notification that XXXX XXXX XXXX will not sell, transfer, or report this fraudulent debt to any collection agencies or credit bureaus, in compliance with the Fair Credit Reporting Act. 
Proof that the investigation was conducted and the steps taken to resolve this issue. 
Please provide me with a written response within XXXX XXXX of receiving this letter. If you are unable to validate this debt within that time frame, I ask that you immediately remove this debt from my records and cease any further attempts to collect or report it. 

Thank you for your prompt attention to this matter. I look forward to hearing from you soon. 

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

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT :
Product: Checking or savings account

IRS confirmed my refund was sent on XX/XX/XXXX, but is still not showing in account, I called in XXXX and spoke representive who verified my routing and account numbers were correct. I had a ticket opened and the result was they have not received the refund and as soon as they receive it, they will post to account.
Product: Credit reporting or other personal consumer reports

I received my credit report and seen someone ran my credit without my permission so I contacted my bank and asked them to freeze all my accounts until further notice
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested measurements for a stormdoor from XXXX in XXXX TX almost 1 year ago. They told me I would have to pay for the measurements because some people end up buying from another company and because they use contractors to do the measurements. When I returned to the store after the measurements were done, the store refused to provide the measurements that I had already paid for with my XXXX credit card. I spoke with the store manager that said he would take care of the issue and either get me the measurements or have my card refunded. Neither happened. I disputed it with the credit card company. They came back several months later and added the charge back to my account. I contacted them again and the said I need to dispute it with the store. I told them that I did but they did not do anything. The credit card company put it in dispute again then several months later ( today ) it was taken out out of dispute and charges place back onto my account again with no communication.
Product: Debt collection

Based on XXXX  last CFPB complaint against this company XXXX learned they broke more laws in the FDCPA. In XXXX XXXX response they claimed they were hired by pay ready, which already isnt true and raises half a dozen more violations of the law if it was. So XXXX looked into pay ready and found XXXX  had an XXXX  that said pay ready and central billing. But it turns out it was XXXX aka Columbia debt recovery sending a fake XXXX  not identifying themselves as a debt collector to try and get XXXX  to pay. And after not paying since XXXX dont owe the money XXXX  claiming they then approached XXXX  as a XXXX  collector.
Product: Credit card

Just opened my credit card acct and was told I had fraud on it and they needed to verify my identity. they ask me my number and my security question only to tell me that I have to wait XXXX business for a letter in the mail. So I'm out of town with no card to us. never went over my purchases to see if I made them which I did. This happened because I was trying to upload my card to my XXXX wallet
Product: Credit card

I applied for an XXXX XXXX XXXX issued by, Concora Credit, after receiving a promotional offer. I was approved for a {$1000.00} credit limit on the Indigo card. On XX/XX/year> I logged in to my online Concora account and saw that there was a {$250.00} Annual Fee charge on the card. The total available credit showed {$1000.00}. When I received the physical Indigo card in the mail I activated it and then tried to use it at a retail store to make purchases. The card was declined twice. I called Concora Credit on XX/XX/year> and a customer service representative informed me that the account had been closed and that I would receive a letter explaining why. I asked the representative why this would happen since I never made any purchases with the card and the only transaction was the annual fee imposed by the company. The representative stated that he could provide no information on that and that the letter would explain. I asked if I would be liable for the {$250.00} annual fee charge since they closed my account and I had not made any transaction using the Indigo card. The representative again stated he could not provide me with any information on that and I would be getting a letter in the mail. In my online Concora account the Indigo card is still appearing as active with {$1000.00} credit limit and {$250.00} annual fee charge. I feel like I was scammed into accepting a fake credit card from Concora Credit which has impacted my credit score negatively.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard credit inquiry without my permission This happened two times XXXX XXXX 2017 XXXX XXXX 2017 I did not authorize these two hard credit inquires against my credit.
Product: Debt collection

I just received my credit report and I noticed unauthorized items that I wasnt responsible for. The COVID 19 has been a disaster for me
Product: Credit reporting

On or after XX/XX/1016 There may have been a fraud alert placed on my Report. If it was I want it removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing information on my credit reports with all 3 bureaus and between the 3 of them none of my information is accurate. I just was declined for an apartment and I received my report. XXXX is still showing inaccurate information on my credit report as well as TransUnion. My scores are all different between the 3 and this is frustrating.
Product: Credit card or prepaid card

Re : Synchrony Bank, I overpaid on the account and I am due a refund that is CLOSE TO {$2000.00}! I spoke with a supervisor three weeks ago to request a refund and it was NEVER PROCESSED! I tried a chat option today and was advised that I could have a check sent in two weeks. I would like to have the refund direct deposited into a bank account that I provide for them. I do not want a paper check sent regular mail! I need to speak with a bank supervisor and have some guarantee. They will allow me to pay my bill with my check account, so why can't they also send me a refund that way? 

Second problem : my overpayment was obviously a clerical issue, so why was I not contact immediately?
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus stated that they have properly investigated but how is that possible if the accounts are showing past due amounts on charged off accounts this is ground for removal I have made several disputes with XXXX XXXX  account # XXXX # XXXX I contacted XXXX XXXX back in XX/XX/XXXX and was referred to call XXXX and XXXX I originally called XXXX XXXX because the account was charged off at {$2400.00} but had a past due amount of XXXX and the other account was charged off at XXXX with a past due XXXX which XXXX  XXXX advised me to call the collection agency according to the fcra once these accounts are written off as bad credit it either can be transferred or sold to to a debt collector the rules also state once a account is transferred to another agency for collection the account should have a XXXX  balance and no longer have a past due amount at that higher then what was charged off this is a factual inaccuracy. For instance, if the account was transferred or sold to a collection agency, then the past due amount should be at XXXX. If the past due amount is reporting on your credit report for a charged-off account, that is incorrect reporting. I have been disputing since last year and at this point I am asking for immediate DELETION for inaccurate reporting with the Bureaus I have made several disputes from XX/XX/XXXX XX/XX/XXXX and I have made several complaints with your agency please see all previous complaints They have also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer agency reporting agency can not furnish a account without my written instructions. 

They have also violated my rights under 15 U.S.C 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they received my disputes They have also violated my rights under 15 U.S.C 1681 Section 611 ( 5 ) ( a ) ( l ) ( ii ) The law clearly states if items are found to be inaccurate or can not verified the consumer reporting shall promptly delete the information from the file of the consumer
Product: Credit card or prepaid card

This customer complaint is related to trip cancellation/interruption claim with Chase XXXX XXXX XXXX I filed a benefit claim number " XXXX '' on XX/XX/2023 on XXXX. The benefit examiner claim that sufficient information were provided for the return flight and asked for support from XXXX XXXX for the departure flight. I promptly called back and explained such document was not available after I contacted the airline. The customer service representative documented such and asked the examiner to decide on the return trip claim as well as reaching out to XXXX XXXX for additional document if needed. The examiners has not done anything on such for only four weeks, despite that the response period for such is one week. 
I called back weekly for follow up ( all documented via customer services ) with no responses. The customer representative tried to contact the examiner to speak to me but no one pick up the phone. One representative left an escalation note to the examiner 's supervisor, under which the supervisor was expected to call me back in two business days. Nobody called back. 
ChaseXXXX clearly has not properly monitor the vendor 's performance related to trip cancellation processing related to Service level agreement.
Product: Mortgage

I reach out to my Mortgage Company, Royal Pacific, to discuss my options to remain in my home in XX/XX/2022 after they refused to accept my mortgage payment. I was confused as to why my attempt at payment were being rejected. They advised I should complete a loss mitigation application to discuss my options. This package was completed in XX/XX/2022 and uploaded to their loss mitigation portal. I called to follow-up on my application and was informed it was being reviewed or handled by a staff member. .During this time, I have received very little assistance or correspondence from this company ; until I received a final notice of foreclosure action. This is extremely disappointing that instead of accepting my payment attempts and then ignoring my submitted loss application the decision was made to rush through the foreclosure action with no assistance. I know RESPA requires servicers to review loss mitigation applications within a particular time period and assist borrowers with their options. I also have fair lending, moreso fair servicing concerns. It is very problematic if protected borrowers living in certain communities are not receiving the proper assistance and being provided the opportunity to remain in their homes or understand their options. This follows a long line of theft of wealth by mortgage companies who fail to assist minority borrowers with their loss mitigation applications and instead rush to foreclosure. It is shameful! These types of things should not be allowed to continue in XXXX I am asking that the foreclosure sale/ auction and the mortgage provider at least review my loss mitigation application and assist me in keeping the home I worked so hard to obtain. 

I only owe {$18000.00} on a home that is worth well above this amount and this mortgage company is not willing to assist to allow me to remain in this home. Foreclosing when a customer is doing everything to maintain their home should be considered theft!
Product: Mortgage

I entrusted Lakeview by Mr. Cooper with the management of my mortgage escrow account, which included the responsibility of timely remitting payments for my homeowner 's insurance and property taxes. I maintained regular communication with the company and received assurances that all payments were being made appropriately via phone call and personally checking statements/submitted escrow payments. 
Despite these assurances, I recently discovered that my homeowner 's insurance policy was canceled XX/XX/year> due to a late payment made by Lakeview by Mr. Cooper, a fact that was not communicated to me by the company. Instead, they received the cancellation notice ( XX/XX/year> ) and withheld this critical information from me. Believing my insurance was active and my account current, I was unaware of any lapse in coverage. 
Now, XXXX year later, Lakeview by Mr. Cooper is attempting to impose a force-placed insurance policy on my property. This action appears to be a direct result of their initial negligence in managing the escrow payments and their failure to inform me of the policy cancellation. I have documentation that my insurance was paid through them and led me to believe that it was current. My escrow statement from XX/XX/XXXX has my insurance being paid on XX/XX/year> with funds being deducted from my account. I feel as though they wanted me to believe this in order to get more money out of me. Due to their mistake not only was I uninsured for an entire year, they now want {$3300.00}, which mind you is double my actual insurance. They issued an insurance information request a year later after my insurance lapsed due to their mistake and expect me to pay for it. I have always paid on time and never missed a payment.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : 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  Account Name : XXXX  XXXX Account Number : XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not 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.
Product: Checking or savings account

XXXX  I deposited a payroll check made out to myself into my account and as it would turn out the company I worked for, through an online company, XXXX XXXX, issued me my payroll check on a closed account. The result of this was bank of America closed my account and my joint account with my XXXX  and said there's nothing they can do to help me. I was unaware that the account was closed that my check was issued out of. I was only doing what everyone else does when they get their payroll check. Trying to deposit it so I could pay my bills and use the remainder for household things and to care for my kids. Instead I lost {$5600.00} and my account with Bank of America as well as the ability to open an account with any other bank or credit union. How do I get rid of this on my record so I can open a new account and start to have a normal life again. Since this event I have had two unemployment cases opened in my mane that I never opened as well several loan attempts and purchases for cars and a house. I never did any of these. I am a victim of identity theft and just want my life back. It's not like I'm allowed to just change my social security number or my birthdate. It is literally impossible for me to do anything about it. I need help please.
Product: Debt collection

have been a victim of identity theft, this company has continued to report to credit and collect on a fraudulent debt. I have disputed with this company 3 times, they now deem my disputes as " frivolous '' and refuse to accept any documentation on my behalf. I have disputed these accounts over and over again with Transunion. I had my ID stolen at age XXXX, my social security cards, and my ids. They opened numerous insurance accounts, medical, apartments, auto loans, and credit cards, all defaulted on. These debts do not meet FCRA or FCDPA standards. Attaching police reports, and original as well as updated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sending my CFPB complaint to notify you that the three credit bureaus were unable to delete the items I am disputed before. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 605b within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous items reporting on my Credit Report : XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX XXXX Balance Owed : {$1500.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} ; XXXX XXXX ; XXXX A XXXX  ; XXXX  XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Other financial service

I am just learning that XXXX is a well- known and much-reported scam. This is a copy of the email that was sent to me asking me to do a free credit report. I am asking for my three months ' billings to be refunded. I am in touch with XXXX Fraud Prevention and I am filing a claim. I have also been in touch with XXXX ( which is the company that you allegedly use ) that this scam is ongoing throughout the US. 
I am on social media and alerting all that this company as a scam. 

Here is another example of it : https : XXXX? XXXX -- -- -- -- -- THIS IS THE FORM LETTER I RECEIVED Hi XXXX, Thank you for your interest in the property listed for rent. You were the second to e-mail from the ad. The first prospective tenant no longer had to move because of his home situation. So we give the opportunity to you. We are now ready to lease with flexible terms and just completed all new renovations. We will work with you on move in date, lease length and security deposit. 

I understand that you desire the exact address of the property but my husband does not want me divulge due to safety reasons. We have had a string of break-ins, squatters and thefts at our other properties. We want to prevent that with this property because of the renovations that have cost plenty of money. You 'll be the first to move in with the renovations. That is why we want to confirm you haveyour updated report before we schedule a tour. 

All utilities are priced into the lease along with garage parking spaces. The appliances in the kitchen as well as laundry room were just installed. You have the option to pick your paint color and flooring priorto your arrival If you would like to set up an appointment, go to the link below and request a copy of your report. We recommend this site because all of our tenants used it and have n't had any problems. Just fill out the form and indicate that you want the report. We are not concerned with any negative report items, it 's more of a formality to ensure you have rental history. You can get your report by CLICKING HERE Do not send me the report over mail, bring it to the tour. Please let me know when you grab your report. I can then schedule you for a walk through of the place. 

Thanks, XXXX
Product: Debt collection

Dispute Debt Collection Letter XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Wells Fargo Bank XXXX XXXX XXXX. 
XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/2023 Dear Collector I was notified by your company on XX/XX/2023 regarding an alleged debt and harassed for XXXX  by phone call that I am going to be subpoena to court for an alleged debt. The statutes of limitations for a debt with a bank in XXXX is XXXX  years. Do to Covin-19 I have been living in a XXXX  and have financial hardships. 

I request all the following information be provided to me by mail. Then amount of the alleged debt. The full name and mailing address of the original creditor for the alleged debt. Documentation showing you have verified that I am responsible for the debt. Documentation showing you are licensed to collect debts in Colorado. 

If you continue attempting to collect on this debt or seek judgment for payment of the debt without first providing written verification, you will be in violation of the Fair Debt Collection Practices Act. Additionally, the debt can not accrue any fees or interest beyond what is allowed by state law. 



Sincerely, XXXX XXXX