23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to XXXX XXXX XXXX and to request that this information be blocked. I have enclosed a copy my XXXX XXXX identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under XXXX XXXX. XXXX when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required by XXXXXXXX XXXX XXXXXXXX, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than XXXX  days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Checking or savings account

Deposited {$700.00} into my savings account from my checking account on XX/XX/2023 with chase bank. The next day I look on my mobile Chase app and my Savings account is gone and my {$700.00} that was transferred the day before is nowhere to be found. I called chase customer support and they said the account was closed due to me having no money in it for 60  days. I was never sent an email or a notice about this account being closed. They said the transfer to my savings account failed. But the money was never sent back to my checking account. They said it would take 1-2 business days for the money to be return to my checking account. Im very concerned and stressed out about this money because it was my rent money and i need it back to pay my rent. I went to the branch expecting them to reimburse me with a check and they said they cant do anything, and i just have to wait. its extremely unfair i was never informed about this account being closed and my money was not put back into my checking account.
Product: Mortgage

This is a follow up to complaint XXXX, which I submitted on XX/XX/2024. Following the resolution of the issue pertaining to missed tax payments to XXXX XXXX, in XXXX, which included Roundpoint Mortgage making payments to the county on delinquent charges, my escrow balance was revised to a negative amount, which Today, XX/XX/2024, is showing as - {$9800.00}. Then, my monthly escrow payments, which were around ~ {$680.00}, were revised up to {$1900.00} in XXXX, and my overall monthly payment was revised up from {$3100.00} in XXXX to {$4300.00} in XXXX. As my account is set-up for auto payments, this XXXX statement was automatically paid on XX/XX/2024 for this revised amount, and the upcoming payment for the XXXX is also showing up with this amount. 

My escrow account has been properly debited for due tax in the last 3 years. I should not be responsible for any lates/delinquent charges or fees, since it wasn't my fault that the tax payments were not made on time to the county in the proper account. My understanding is that this is the cause for my escrow balance to be negative ( which is different from the documents posted by Roundpoint Mortgage in my original CFBP complaint ), which caused my monthly payment to be revised up by more than {$1200.00}.
Product: Mortgage

CHASE bank Equity Line of Credit 2nd mortgage ~ I applied for a loan modification a year ago and was only responded to in XXXX XXXX I think. I had no income at all and also was on a forbearance with my first mortgage. This very bad loan was started by Washington Mutual as an interest only loan at 3.125 % in XXXX  and then Chase bought out Washington Mutual. The interest rate hadn't changed in a long time and I paid out over XXXX for this XXXX loan over the course of time without any decrease in the principle balance. I explained about extreme financial hardship and was also surprised to find out that they wouldn't even consolidate this loan with the first mortgage even if I could do it. So, I get qualified for a modification with the first trial payments due in XXXX, XXXX and XXXX XXXX for {$210.00} ea. I have a relationship mgr.  XXXX XXXX at ext.XXXX which will drop my calls mostly and I've been calling for at least 2 weeks every day and even before that. I told different customer service workers ( and XXXX ) that I was receiving the bills anyway with the high interest payments now at 6.85 % and 8 %? and was told to ignore the bills because I was making the trial payments. Now the modification documents are including 2 high interest payments to the principle balance ( {$1300.00} ) and I think this is dishonest and goes against the fact that I was already engaged in the modification trial payments!! They come back with a lame excuse that I could cancel the modification so therefore they think adding these payments is justified but that's ludicrous!
Product: Student loan

I was recently laid off from my position effective XX/XX/23. I called Navient to discuss repayment options for someone that is unemployed. I was previously on a rate reduction program, in which my monthly payments were {$580.00}. The program ended in XXXX, so I was calling to extend the program- which I have been able to do for the last several years. They were not able to assist and said there were no options for me. My monthly payment now is more than double at {$1300.00}. The customer service agent suggested I not pay this month 's bill, hurt my credit, then see what options *may* be available next month. She would not allow any temporary deferment or forbearance.
Product: Debt collection

I XXXX XXXX in fact a consumer started receiving communications from XXXX a representative of RESURGENT Capitol service owned by LVNV Funding LLC on XX/XX/2022 until XX/XX/2022. I have never done business or contracted with this company, so I am confused why they are communicating with me without my direct consent pursuant to 15usc1692c that is a violation. I don't know how they obtain my nonpublic personal information also more violations. They are falsely reporting inaccurate information to my consumer report which is damaging my reputation pursuant to 15usc1681b ( a ) ( 2 ). I'm trying to take care of my family but can't because I'm stress and keep getting denied my credit. I never gave them direct consent to report anything on my consumer report. I am really tired of being violated.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying items recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law XXXX XXXXXXXX Balance : {$0.00} Bankruptcy XXXX XXXX Date Filed XXXX XXXX XXXX Reference # : XXXX
Product: Debt collection

Company GCFS recently contacted my HR department at my office disclosed they have a judgment against me due to debt owed and they want to start garnishing my wages which i was not aware of I was never sent a letter to dispute the matter or even given a chance to take care of it. HR department never received a judgement letter or form stating the facts of which they made a call for. a similar situation happened about XX/XX/2015 with my previous employer they called the office same company GCFS this time a name was given to call XXXX XXXX called XXXX disclosed that I owe debt and they want to add the the wage garnishment over the phone also gave a file # to call the court office with a file # stating that his call is true and debt is owed but file was never discovered and by that time I called GCFS and stated that they stop calling me and stop calling any and all employment past or future and it seems they did not get the message as this year they called my new employer with the same spiel that I owe debt and they want to add the wage over the phone and they refused do take any action unless a certified judgement was in place. A letter was sent with package open mail was not protected and mail sent to place of employment was breached before it reached the office.
Product: Debt collection

A collection agency called FCO claims that i owe XXXX to a property by the name of XXXX XXXXs. I had provided them with a sworn affidavit, police report, proof of address at the time of the claim and as well as utility bills from the actual address that was residing at the time and they still continue to say that the account its mine by just providing me with a fraudulent lease. I also explained to them that Ive been the victim of identity theft and the fact they could see my actual lease and records from the address that I was leaving at during the time of the claim and still they refused to remove it from credit and they continue to harass me on a daily basis. I had provided evidence, spoken to them over the phone numerous times but nothing seems to be resolved.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX, Account Name : XXXX XXXX XXXX XXXX XXXX have violated my rights. 

15 U.S.C. 1681 section 602.A. States I have the right to privacy.

15 U.S.C. 1681 section 602.A section 2. States a consumer reporting agency can not furnish a account without my written instruction.

15 U.S.C. 1681c. ( a ) ( 5 ). States no consumer reporting agency may make any Comsumer reporting containing the following items 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 ). States a person shall not furnish any information relation to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate.
Product: Debt collection

SW Credit place on my credit report that I owed {$120.00} from XXXX formally XXXX XXXX. I never received any notice from SW Credit and paid the debt on XXXX because I was told the debt would be removed once payment was received. I contacted XXXX for an itemized bill and they stated they are are unable to provide because XXXX XXXX is no longer. I currently have a XXXX acct, have has XXXX since 2019. When I opened the acct. no one ever told me I had an outstanding balance and I didn't not have to pay a deposit to open my XXXX acct.. Then all of a sudden I have a collection acct on my credit report.
Product: Debt collection

This company is purchasing 12 year old debt. A debt that I settled with the original creditor in 2009. This company out of no where, has filed inquiries on my consumer report causing it to decrease by points, they have been harrassing me by email looking for money for a years old debt. I advised the person XXXX XXXX not to contact me by writing or phone ever again, or they would be reported for harrassment. They are now harrassing me with annoying letters asking for money I do not owe them. They are also threatening by letter to pursue further collection efforts on a debt over a decade old, and attempting to call and harrass.
Product: Debt collection

On Sunday, XX/XX/XXXX, I did my usual check up on my credit reports for XXXX, XXXX, and XXXX due to current ongoing identity theft under my name. I discovered a new collection on my XXXX report from the collection agency, LVNV Funding LLC. My XXXX report states that this fraudulent account was opened on XX/XX/XXXX in the amount of {$350.00}. This is not an account I opened and it has been opened fraudulently under my identity. I have been dealing with identity theft since XXXX and fraudulent accounts continue to be opened under my name until this day. I have filed a police report with my local Police Department about my identity theft and have been placed under the FBI database for being a victim of identity theft. In addition, I have credit freezes on all three of my credit reports in hopes that this identity thief could not open a more fraudulent accounts under my name. However, they still continue to open fraudulent accounts, which has left me confused and completely stressed out in how they are able to do so. I would like this collection to be removed from my name since it does not belong to me and I have been victimized again.
Product: Checking or savings account

Hi CFPB Team, My Name is XXXX XXXX, This is the second complaint in this portal, the first one is XXXX5, Im filing this complaint again as the Bank ( Wells Fargo ) people did not help me get my funds back into my account. There are many unauthorized transactions in my account that I did not authorize. This conversation with bank people has been going on for many months. Yet they did not resolve the issue. After realizing there are many unauthorized transactions, I contacted the bank to help me with this issue. I filed a claim with Claim no XXXX. 

First, this case is given to XXXX ( Investigation Officer ), and I don't know what he investigated just denied the case, saying, I knew about these transactions. After rejecting it they sent a letter to me, saying I'm responsible to contact the merchants who deducted money from my account. 

So, I tried communicating with merchants XXXX, XXXX, XXXX and XXXX. I had an email conversation with the merchant, that I dont have any accounts with them and asked to verify by providing my ID and address proofs to the merchants. After verifying in their system, they are ready to help me but not directly they mentioned contact through officials and bank people. 

I conveyed the same to the Wells Fargo Bank, but the bank people did not contact the merchants, they clearly are not investigating this case properly. I lost all my savings, but Bank people are not helping to get my money back. 

After so many conversations with Wells Fargo Bank, this case was again given to XXXX XXXX XXXX XXXX, another investigator. I explained everything to him, but he also refused my claim saying that I knew about these transactions. Im fighting for my money, which I lost. They really dont care about the customers. 

I tried reaching customer care several times and asked if I can talk to XXXX, after so many conversations finally XXXX called me, and after listening to my concern, he files a CCN complaint with reference ID XXXX on XXXX of XXXX XXXX  This CCN complaint will take another 120 days to get resolved. Im just waiting here, to get my money back. 

I dont want bank people to invest so much in this, just contact the merchants, and inquire about my information in their systems by showing the email conversation I gave to the Bank and these merchants are ready to help, they will give my money back. But Bank people clearly said they will not contact the merchants. 
CFPB team, please help me to get my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

ONCE AGAIN! XXXX IS FALSELY REPRTING XXXX CAPITAL ONE BANK ACCOUNTS AND XXXX XXXX   MARATHON AS ITEM INCLUDED IN BANKRUPTCY I HAVE DISPUTED XXXX TIMES WITHOUT CORRECTION ALL OTHERS DID A LONG TIME AGO.
Product: Payday loan, title loan, or personal loan

I am writing to object to the transfer of my vehicle 's title, a XXXX, XXXX XXXX, color : silver VIN # XXXX, from my name to another individual or entity. 

Rights as the consumer/ applicant as stated in FDIC rules and regulations, that I extend my credit to the XXXX XXXX and they violated my right under the Bill of Exchange ACT, TILA, and Sherman ACT. 15 USC 1692 ( f ), 15 USC 6802 ( b ) Identity Theft, Theft, was done by and forwarded my info to XXXX XXXX XXXX XXXX XXXX XXXX  Ga XXXX which they stole my property On XX/XX/XXXX As the owner of the vehicle, I entered into a contract with XXXX located at XXXX XXXX XXXX, XXXX XXXX, Ga XXXX on XX/XX/XXXX. However, I would like to remind you that I never consented to take my collateral/car. Furthermore, you never gave me full disclosure of my contract and you never gave true value and consideration when I signed my note. 

The contract specifically states that I am the legal owner of the vehicle and that the title is in my name. Additionally, I would like to remind you that a UCC lien creditor interest does not supersede an ownership interest. Therefore, any attempt to transfer the title without my explicit consent would be a violation of my legal rights and could result in legal action. 

I strongly object to any transfer of title that does not involve my explicit consent. I request that you take immediate action to ensure that the title is not transferred without my consent and that my vehicle is returned to my possession within the next 10 days. Failure to do so will result in legal action. 

Please keep me informed of any developments regarding this matter. 

Thank you for your prompt attention to this matter.
Product: Mortgage

I had to short sale my home which involved a XXXX mortgage and a XXXX mortgage. The sale finalized on XXXX 2011. The XXXX mortgage shows the loan paid and cleared on my credit report as of XXXX 2011. Citibank, who held the XXXX mortgage, is still showing the XXXX mortgage as currently late on my credit report. I have spoken to Citibank and have sent them THEIR paperwork that shows they accepted payment but I have only received a letter back from them asking that they can not do further research until I pull my credit and give them a detailed explanation. I have spoken to XXXX representatives who have told me they will take care of this and still I am waiting. I need this cleared so I can complete the purchase on my new home.
Product: Credit card or prepaid card

On XX/XX/XXXX Citi Card alerted me of illegal transitions on my credit card. I contacted them back on XX/XX/XXXX and realized that I had 4 charges from the same merchant in the amount of XXXX, XXXX, XXXX, and XXXX. The credit card was canceled and the Bestbuy Citi bank representative assured me I would not have to pay back said amount. On XX/XX/XXXX I was told that I would now be responsible for the charges. They investigated and said it was legit charges and sent me a letter stating this. I have sent in a police report and a certified letter to Bestbuy citi card disputing the fraudulent charges on my card. The letter that I got, I cant read, because the words are so small. I called bestbuy, and they cant tell me neither, because so small.On XX/XX/XXXX was told by bestbuy representative that my case is being reopened. Can you help me. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX/XXXX XXXX listed multiple 30/60 day late payment on my credit report from XX/XX/XXXX to XX/XX/XXXX. This information is incorrect and negatively affecting my credit report. This is reporting on XXXX, XXXX  and Transunion. Please remove the 30/60 day late payments from my credit reports.
Product: Money transfer, virtual currency, or money service

I am an infrequent user of Paypal but have had an account for many years. This year I find that I am unable to just call with a billing question and reach a person. I am directed to a " Chat '' where no one can answer my questions because it is a phone robot. I twice requested that an agent call me but no one did. When I tried to follow their instructions to file a formal complaint about their customer service, I was again directed not to a complaint form but the remote and useless " Chat ''. I can only conclude that there is no one home at Paypal!!!! I do not like the push to accept all their cookies. 

Can you help or direct me to someone who can? 

Thank you XXXX XXXX
Product: Debt collection

Fraudulent account opened using my identity. XXXX XXXX XXXX allowed and individual to open an account using my SSN and address. The account was not paid, forwarded to collection agency, Security Credit Services, XXXX XXXX XXXX XXXX, XXXX, Mississippi XXXX, XXXX. I was contacted by security credit services and asked to pay the {$1600.00} dollars. I refuted the charges, explaining I had never opened a lease to open account with XXXX, not do I have any knowledge of the account or anyone would would do so under my name. The collection agency asked several questions regarding name, address, drivers license number, and employer. The information used to open the information such as drivers license number and employer dis to match me information. I was told by the collection agency, someone would contact XXXX XXXX XXXX and inform them of my complaint and information not matching. 

I contact XXXX XXXX XXXX collections department at XXXX, they confirmed the photo drivers license and employer listed on record does not match. I was asked to complete Identity Theft Complaint and Affidavit, which I did. XXXX XXXX XXXX and Security Credit Services continue to report the account as belonging to me, affecting my credit report.
Product: Credit reporting or other personal consumer reports

I reviewed my credit report on XX/XX/XXXX and noticed These inquires that are on my credit report are due to identity theft and are not initiated by me. 

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 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  I have contacted the company on several occasions and they have not made the changes to my report. Under the Fair Credit Reporting Act it is illegal for a company to report inaccurate information and must verify the accuracy of the information used to verify the accounts. It is illegal to report inaccurate information on a consumer 's report.