23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

ATTACHMENTS INCLUDED. THIS IS NOT A DUPLICATE COMPLAINT FROM A THREE YEAR ORDEAL! At the end of the complaint, I am swearing that this complaint is truth. I will use care how I word this letter to prevent any misunderstanding. 
The Capital One credit cards were mine. The credit cards were stolen. There were unauthorized purchases and unauthorized payments that Capital One allowed so the credit limit could be exceeded. I have previously sent a XX/XX/2017 sheriff 's report and FTC identity theft reports. I will notarize this complaint if required. I do not understand and I have not received an explanation why Capital One refuses to acknowledge my repeated claim of card theft and identity theft. 
Cards were stolen first of XX/XX/2017 with all unauthorized charges. 
At the end of XXXX and first of XX/XX/2017, the thief made bogus payments of {$2200.00} & {$3300.00} on card ending in XXXX and both were insufficient. I have repeatedly asked for the information of these payments ; name of person, name of bank, date, time, IP address, mobile or web, and explanation of charges. I have been repeatedly denied. The following month, the thief made another bogus payment of {$4800.00}. The payments allowed the thief to continue using the card. Capital One allowed this instead of waiting for payments to clear the bank. 
At the end of XXXX and first of XX/XX/2017, the thief also made bogus payments of {$2100.00} & {$3100.00} on card ending in XXXX and both were insufficient. Why odd amounts? I have repeatedly asked for the information of these payments ; name of person, name of bank, date, time, IP address, mobile or web. I have been repeatedly denied. The following month, the thief made more bogus payments of {$99.00}, {$190.00}, {$99.00}, and {$4500.00} and all were insufficient. The payments allowed the thief to continue using the card. Capital One allowed this instead of waiting for payments to clear the bank. 
Capital One needs to research the charges and will realize the theft. Payments were made to XXXX XXXX XXXX XXXX. Please send name of the person who was on probation.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are not mine. Credit Bureaus are misrepresenting that I owe this debt and yet they could not substantiate its representation.. They have provided information while knowing or having reasonable cause to believe that the information was inaccurate. They failed to abide the provisions of FCRA that's why I am filing this complaint XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.XXXX XXXX XXXX {$7200.00} XXXX XXXX XXXX {$10000.00} XXXX XXXX XXXX {$5000.00} XXXX XXXX {$5500.00} XXXX XXXXXXXX XXXX {$1700.00} US DEP ED XXXX {$31000.00}
Product: Debt collection

The following are the details regarding the collection of {$18000.00} for my XXXX XXXX XXXX XXXX ( XXXX ) account for the check fraud. 

On XX/XX/22 I received a job offer from XXXX XXXX XXXX XXXX XXXXXXXX. My manager asked me to send checks for employees resource purchases. I sent some money to him as cards. As soon as I got suspicious went to the bank and talked to the manager ( XXXX branch manager in XXXX, MA ) around XX/XX/22. He called their collection dept and informed me that it is my responsibility, and they are going to close the account since there is a deficit of more than {$14000.00} and if not paid in 60 days ( about 2 months ) of time. Filed a complaint with the XXXX, MA police on XX/XX/22. I talked to XXXX collection dept in XXXX and XXXX several times, but they still stick to their decision to collect the money from me. Received a letter from CBHV Collection Bureau Hudson Valley Reference No : XXXX for a collection amount of {$18000.00} including the fees. They called me today XX/XX/22 and said I must pay the amount. I told them the story behind the collection. 

Please cancel this debt and fees since it is the banks responsibility also to check for fraud and I had no idea that it was fraud at the point that I was sending money. I am a victim of fraud.
Product: Debt collection

I am filing this report because, at last, Financial Recovery Services , Inc. and XXXX XXXX XXXX XXXX  responded to my requests when I informed them that I'd been an identity theft victim. They sent me the record of the application I requested, with an early bank statement of the fraudulent account opened years ago. I informed them that the account was subject to identity theft and fraud because I had never opened the account and used it. I have looked at the record of application because when a bank opens an account, an application is filed for it. The record of the application states information that is not mine, and the original card was sent elsewhere and not to where I resided. In addition, it has an email that I'm unaware of and never used before. The application is entirely frivolous because I never filed such a credit application. I have never used any XXXX XXXX XXXX XXXX or been a customer. This account resulted from identity theft, and the account is not mine. Collections being on a fraudulent account is illegal. XXXX XXXX XXXX must remove this frivolous account because it resulted from identity theft, and they are harming my financial credit report. However, XXXX XXXX XXXX claims that the account is mine despite the identity thieves ' fraudulent information. I am highly disappointed that they didn't even investigate this matter. They sent me a letter dated XXXX  that stated, " We are unable to approve your fraud claim because they concluded that the charges were made by you or someone who had authority to use the account. '' I never had access to this account, and I do not know who had access to it because it resulted from identity theft. I do not know if these banks understand what " identity theft '' means. Identity thieves used my social security number, date of birth, and name to open an account and benefit from them without my knowledge or consent. The information I examined in the application record was never part of my personal information. XXXX XXXX XXXX insists that this fraudulent account resulting from identity theft is mine. The account is not mine ; the account was never mine. I never opened this account, applied to this account, received a card for this account, and I never used this account.
Product: Mortgage

Hello, I received a letter dated XX/XX/XXXX with a payment coupon that stated that my escrow account was short {$630.00}. In response later in XXXX, I sent a cashiers check with the coupon provided for {$700.00} to cover the escrow shortage. That check arrived on XX/XX/XXXX. I call SPS customer service letter them know that the payment had been mailed and to apply the XXXX to the escrow shortage. 

I scheduled a payment for XXXX on XX/XX/XXXX that arrived late, XX/XX/XXXX. I received letter showing that my overage of XXXX was applied to the escrow. Called Customer Service again and was told that my payment was XXXX was short because I had sent only XXXX. I had a conversation with a supervisor demanding that they fix it. I explained that all overages were to be applied to principal and that I used the coupon they sent to pay the escrow shortage. He said the accounting department applied it to my payment. To that I asked what was the purpose of sending the coupon if they weren't going to apply the payment properly. 

I demanded that he fix it. My payment isn't considered late until the XXXX of each month. Next mortgage payment was on XX/XX/XXXX for XXXX. Again more than my mortgage payment. I called and sent an email on XX/XX/XXXX that all overages were to be applied to principal only. Payment of XXXX paid XX/XX/XXXX, The letter I received about the shortage stated that if I didn't pay it, my mortage would be increased by XXXX. I received a mortgage statement today and my mortage payment has increased from XXXX to XXXX. 

Can they be penalized since my loan was a FHA loan. I called them quite angry because my mortgage had increased inspite of paying the shortage. I asked that my mortgage payment be returned to XXXX. I haven't received an accounting of how my payments were applied because my principal hasn't really decreased either. 

Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2021 I have communicated with all 3 credit bureaus that these accounts are fraudulent. I have filed an FTC report and still remain unheard with no success. I have taken several necessary steps and even reached out to Furnishers themselves. I have disputed again on XX/XX/2021. Finally An FTC report was filed on XX/XX/2021. I have been told an investigation has been verified. However, when I continue to contact them with proof and request that these accounts be removed I am told that this will be looked into. This has put a halt on acquiring new credit and it is putting a major hinderance on my ability to support my family.
Product: Credit reporting or other personal consumer reports

I went to a Mercedes of XXXX XXXX XXXX to purchase a vehicle which was supposed to be financed by Mercedes unfortunately they shop my loan with other companies without my permission which created a hard inquiry on my credit report. I only found out when i checked my credit. Which i think is wrong because i was told Mercedes do their own financing. Which was not in my case.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized Inquiries on my personal credit report : 1.XXXX XXXX 2.XXXX 3.XXXX 4.XXXX 5.XXXX XXXX XXXX 6.XXXX XXXX XXXX.
7.XXXX  8XXXX XXXX XXXX XXXX 9.XXXX XXXX  10.XXXX XXXX 11XXXX XXXX 12XXXX 13XXXX XXXX 14.XXXX 15.XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

( 1 ) there are four accounts that are closed & older than 7 years old & legally should be removed from my credit reports ( 2 ) there is one account holder who report negative items three times two show no balance & as paid why aren't they removed if the reflect no outstanding balance ( 3 ) the company isn't allowing me to dispute any of this saying I already filed a dispute. That dispute was filed one to two years ago & they still didn't fix it then. I called they assured me the items would go away but they didn't. 

( 4 ) isn't allowing me to update my personal info w/o calling. & calling is a forever hold type of thing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive read the response of my complaint from Chex systems which I have a problem with. A lady called me one night to go over my report and phone numbers that were on there and I asked her about these variations of numbers beside my name. Then she went on to say that I called before with another number or something which is totally wrong and it doesnt make sense. She doesnt speak good English to communicate properly and said that she was gon na keep information on my report she doesnt know what she is doing. If my wallet and other identification has been lost/stolen common sense should tell her that someone is using my information! I would like for this lady to call me back and explain clearly whats shes talking about or someone else and said she merged a file and it doesnt belong to me. This is crazy!
Product: Mortgage

On XXXX/XXXX/XXXX, Stearns Lending made a tax payment of {$2200.00} from my escrow. I notified Stearns approximately 2 weeks later that this was not my correct tax amount and sent them a copy of the correct tax bill. I did not receive a return call but did receive an escrow refund of {$1200.00} XXXX issued XXXX/XXXX/XXXX ) which was not needed nor appropriate because if they had paid the correct tax amount no refund would have been needed. 

I then deposited the escrow refund and went to the XXXX XXXX, MD tax office in an effort to pay the remainder of the tax bill only to find that no payment was applied to my tax account. I also learned that the tax amount paid was directed by Stearns to the wrong property. I called and notified Stearns of this issue with the specific account numbers and advised Stearns that the tax office advised Stearns would need to seek reimbursement from that owner and would still need to make payment for my tax bill which was due XXXX/XXXX/XXXX. 

I called Stearns again approximately every 3 weeks or so each time being told the tax department was looking at the issue. On one of these occasions in XXXX XXXX, I was told the tax department had a follow up date showing of XXXX/XXXX/XXXX. I have never received any communication ( phone email or mail ) initiated by Stearns despite my requests to be contacted by the tax department supposedly working on this issue. To date, XXXX/XXXX/XXXX, I have not received reimbursement to my escrow account for the incorrectly applied withdrawal of {$2200.00} and have not had any payment made from my escrow to the tax bill properly owed. Based on my numerous notifications to Stearns Lending on multiple occasions and over 2 months passing since that notification I consider these funds to have been stolen as they have failed to exercise even the most basic of fiduciary duty in their exercise over my escrow account. Additionally, this is beginning to result in the assessment of interest charges by XXXX XXXX, MD tax authorities. 

In addition to this issue, Stearns also noted that they did not know who the insurer was to cover that issue although the policy and payment was shown on the settlement and did not change.
Product: Student loan

I have XXXX student loans through Navient. I was on a income based repayment plan, then my payments more than doubled and its still not covering all of the interest. I went from paying {$130.00} to {$340.00} in a month, it happened automatically, and I 'm still not able to get my principal balance down.
Product: Debt collection

They have been after me for years for a debt that is over with and done. This has been years of harassment. XXXX XXXX XX/XX/year>.
Product: Mortgage

FIRST REPUBLIC BANK ( FRB ) loan # XXXX was maturing during COVID pandemic and refinancing was postponed. 
My mortgage payment however, was doubled from {$6000.00} to over {$12.00}, XXXX at the end of pandemic During FRB collapse and CHASE taking my account was debited without my consent for over {$42.00}, 000 monthly and later over {$22.00}, XXXX a month. My phone calls and e-mails were ignored. In XX/XX/XXXX I was asked to submit application to lower payments. Last ten months I was charged {$280.00}, XXXX In XX/XX/XXXX, a week ago XXXX from the Chase Team called me that loan payments will not be lowered because I will be dead in XXXX, 20 years from now when loan matures This is fraudulent deception and worst discrimination possible
Product: Debt collection

My information was involved in multiple data breaches and the amount of the debt is an amount I have never seen or heard of before.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a letter stating inaccurate and unknown things on my credit report to this day over 60 days later. I have not received a response yet. I feel like I'm being ignored of my disputes nothing is happening. XXXX XXXX credit can't even provide me with an explanation of why they reported anything late. they can't even find the file they said it was too old and erased from their system. I never missed a payment at all. It states in Section 611 ( a ), in clear sight that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days and still no word so by law they should be deleted as soon as possible. I demand these accounts to be deleted immediately if not I will file a litigation due to the stress that's have been caused. I believe my info was impacted by the XXXX data breach and could've gotten into the wrong hands. 

The date opened is different from the other bureaus, the high credit limit is inaccurate, the last reported date is inaccurate and the last active date is XX/XX/XXXX on Experian which is obviously inaccurate.
Product: Checking or savings account

I mailed my rent check to my landlord, XX/XX/XXXX from a secured mailed box at the US Post Office at XXXX XXXX, XXXX XXXX, CA. The letter was going to another US Post Office a mile away, at XXXX XXXX XXXX XXXX XXXX, CA to my Landlord 's po box . I have done this for the past over ten years and never had an issue. My landlord informed me on XX/XX/XXXX, they had not received my rent check. I looked on my Wells Fargo Checking Account and I saw the check had been cashed. I looked at the back of the check. It had been cashed on XX/XX/XXXX. The name on the back of the check, was clearly not the name of the payee I had made the check-out to on the front of the check. My landlord also has a Wells Fargo account and has a stamp when he cashed my rent check. And WF has copies of my past rent checks for over 15 years, and they can see, my landlord always uses a stamp to endorse the back of my rent checks. The name of whoever stole my check, from the US Post office is clearly not a stamp, and clearly not the name of my Landlord. I went to my branch of WF in XXXX XXXX, CA where I have been banking for 38 years, and I reported the fraud in person. I met with a personal banker XXXX XXXX, XX/XX/XXXX. She contacted the fraud department while I was there and we explained what happened and we printed out a copy of the check, both front and back side. The fraud dept started a case and gave me a case #. The fraud dept person on speaker phone said an investigator would call me in 3-5 days, and also gave me a phone number i could call to follow up as well. No one called me so I tried the phone # provided and it the number wasn't working. So I got another # from WF and on XX/XX/XXXX I followed up with the fraud dept. That's when I was told, they sent me a letter, letting me know I had to sign an affidavit, and have it notarized. No one had said this previously, and I did not receive letter so I went to my branch and sent them the completed affidavit on XX/XX/XXXX I still have not heard anything and no one has contacted me. I received a letter letting me know I would not get my money back unless they get their money back. But no one has told me what they are doing to try and get my money back. I have called the executive office and still I have no information to date XX/XX/XXXX on what is going on with the investigation and I still don't have my money back. I have reported the theft to the US Postal Inspectors and there seems it was an inside job, and It's been reported to The Office of the Inspector General.
Product: Checking or savings account

On XX/XX/XXXX I arrived at the Capital One at XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX I made several deposits totaling {$2400.00}. The first round of deposits made around XXXX total {$2300.00}. The ATM glitched and only allowed deposits of {$600.00} and {$340.00} totaling {$940.00}. Hence, {$1300.00} was not reflected in my account. I left the ATM and later came back around XXXX to deposit {$160.00}, once again the ATM glitched and the {$160.00} also did not reflect in my account. Totaling {$1500.00} missing, and not reflecting in my account. I then called Capital One and told them about my situation. They asked how much was missing and I told them. Thankfully I had previously written the total on XXXX separate pieces of paper that I put in the XXXX bank, where I extracted the money from. XXXX paper said {$130.00} and the other paper said {$2300.00} totaling {$2400.00} as previously stated. Unfortunately I did not write down the number of notes and amount of each, but I specifically remember the last {$160.00} consisted of XXXX {$20.00} notes as I counted it before I deposited it in the ATM that then glitched. Capital One conducted their investigation and later informed me that they did not see {$1000.00} of the money that I said was missing. So they deducted that money. I called them and they told me to send my " proof '' to the email provided. Unfortunately, the only proof I had was XXXX saying that the ATM could not take deposits after it had swallowed my deposit. I sent them the email, waited. Then I called them to ask what was taking so long, because I had intended to put the money in my savings account, because it was money I had made from my summer job, which I had intended to spend on XXXX XXXX. Capital One is yet to respond, even after I gave them a clear description of the times I showed up, the vehicle I was in and the location I was at. I'm deeply saddened and in financial pain from their decision. I have no reason to lie. Please help me.
Product: Checking or savings account

Chase has once again reordered my deposits, debits and credits in order to issue me a XXXX overdraft fee for being XXXX overdrawn in my account when a XXXX automatic subscription debit went through. I have previously complained about this and was given refunds for some of those fees. I have since had the issue repeated twice with Chase and I have called and had it removed in the past. After my previous complaint, Chase revamped their app to prevent people being able to screenshot their bank accounts from their phone but I am still able to do this on my computer. Every Friday morning I take a screen shot after my check has been direct deposited and then again later that day to compare how they order my account in order to make money off of me. This time I feel I need to AGAIN file a complaint with the CFPB because Chase does not seem to understand that what they do is wrong and I keep a very watchful eye on them after the hundreds they have cost me in the same situations. Attached you will find screen shots with the date and time in the lower right hand corner to show when they were captured and show a reordering of debits and credits. Chase does n't not generally issue overdraft fees on balances of XXXX or less, I feel this really walks the line to issue me a XXXX overdraft fee on a XXXX charge that left me only XXXX in the red on payday. I want it refunded and my solution in the future is to obviously close my account with Chase and move to a different bank as my best interests as a customer are not in Chase 's interest at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX and I am writing to have the following information deleted from my credit file.. I requested a copy of my credit report and noticed multiple fraudulent items on my report. The items I need deleted are ( XXXX XXXX XXXX  ) and XXXX. I am a victim of identity theft and did not make the charge.I have never had an open account with either of the companies listed and it's illegal to have fraudulent information reported to my credit report. I need these items to be deleted immediately. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies from the Federal Trade Commissions Identity Theft affidavit. The items are listed below with the account numbers. I have contacted all three bureaus multiple times by phone, mail and by filing numerous complaints. Please remove the following items from my file.