23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In XXXX XXXX XXXXXXXX I disputed a collection notice received from Collection Bureau of America. The dispute was over XXXX XXXXXXXX XXXX delivery/services in XXXX that were not as advertised and I refused to accept the delivery. The original date of purchase listed was XX/XX/XXXX ( listed as XXXX XXXX Complaint in attached ). Since then I have received repeated notices stating that I owe different amounts, citing different addresses and different companies ( XXXXXXXX XXXX XXXX XXXX XXXX ). I also disputed this with the credit bureaus ( listed as Credit Letter Dispute in the attached ), however I have yet to receive a copy of an agreement or contract with my physical signature on it to prove that the debt is mine. I also don't know what the charges are for as the breakdown is extremely vague in the most recent notice I received. Further, the most recent notice ( listed as XXXX XXXX XXXX dispute in the attached ) shows a new date of service ( XXXX vs. XXXX ) from the original and a different service address, plus a new account number. I believe that this information is being changed to make the debt more " current '' and keep it on my credit file and pressure me into paying a debt that is not mine. The trade line also lists Collection Bureau of America as an Attorney which is not accurate ( XXXX XXXX XXXX ). Lastly, the most recent notice cites a Florida service address beginning in XXXX and going through XXXX, however my husband is a XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX and XXXX I was living in with him at his duty station in XXXX NJ. How could I have water service in Florida?
Product: Money transfer, virtual currency, or money service

My cellphone and laptop were stolen on XX/XX/XXXX, on the XXXX the individual who stole them or someone they know was able to get into my Venmo account and sell and create a fake account and transfer money into there account. They are still trying to engage in transactions in the locked Venmo account as just today I received correspondence from Venmo they had my ID and were looking for documentation on my checking account s and credit card accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to financial hardship, I was unable to pay my Discover Card payment. I contacted them at one point to bring the account current as I was due an adjustment. Discover failed to give me the adjustment. As a result, I never caught this account up and the account was charged off. During tax season, I received a cancelled debt XXXX that i had to file with my taxes. This debt should be removed from my credit report.
Product: Debt collection

I continue to receive phone calls from this debt collector even after informing them they have the wrong person/phone number. They are calling about someone with the same first and last name as mine, but a different middle name. I have informed them of their mistake and they promise to remove my phone number from their database, yet I continue to receive calls from them.
Product: Checking or savings account

Today, XX/XX/XXXX @ XXXX, I spoke with XXXX ( ID # :XXXX ) in the Chase Corporate Office concerning, my checking account and the Chase Collections Department ( s ) unlawful and unauthorized withdrawals of my " personal '' cash deposits/monies deposited in my " personal '' checking account to cover my own debts. I shared with XXXX that I have monthly withdrawals from a Life Insurance Co. coming out of my " personal checking account '' ( tonight, usually paid on the XXXX of each month ), I shared with her that I " needed '' to speak with a Chase manager ( during our telephone call ) ; however, she REFUSED to allow me to speak with a manager ( citing, a manager would be phoning me ASAP ), I shared with XXXX that I have already spoken with XXXX ( and wasn't requesting to speak with XXXX )., I shared with XXXX that XXXX telephoned me to report that she had received my complaint 's. I requested ( from XXXX ), the address of the CEO, I shared with her ( XXXX ) that I have written personal check 's " to be PAID '' from my personal checking account ( FREQUENTLY ), I shared with her that my ADULT daughter made payment arrangements with the Chase Collections Dept. for her own CHASE debt ( beginning, XX/XX/XXXX ), I shared with her ( XXXX ) that Chase shouldn't be withdrawing monies from my personal checking account ( to cover my ADULT daughters debt ), I shared with her that my " personal CASH monies '' deposited have NEVER ( in the past ) covered my daughter 's debt to her personal CHASE checking account ( in the past ). And, XXXX agreed with me. My daughter, is an adult. I am NOT responsible for my adult daughter 's CHASE debts. Tonight, I deposited {$94.00} to my " personal checking account '' for my monthly Life Insurance Policies {$28.00} and monies to cover my PERSONAL {$65.00} check. However, Chase Collections Department continue to unlawfully withdraw my " personal CASH DEPOSITS/monies '' from my " personal '' checking account to " cover '' my adult daughter 's previous CHASE debt 's ( in spite, of my external filed complaint 's ). In spite, of my many, many filed internal Chase complaint 's. In spite, of my adult daughter 's payment arrangement 's made recently with Chase. Chase, continues to assess " unlawful '' NSF fee 's to my personal checking account that is directly caused by Chase Collection Department Representatives ' unlawful withdrawals from my cash deposits ( made to my personal checking account ). For the record, Chase isn't to use my personal email or any other personal information provided for this CFPB complaint. I will fax, a copy of my proof of cash deposit into my Chase " personal '' checking account to the CFPB ( deposited tonight at XXXX, XX/XX/XXXX ) XXXX XXXX @ XXXX.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the fair credit reporting act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The consumer financial protection bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues as failing to forward consumer -provided evidence to furnishers, accepting unreliable responses and failing to adequately notify consumers of disputed outcomes. These failures align with my experiences, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing harm to my credit standing. I am requesting immediate corrective action to remove it jammed the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed mutliple disputes with transunion regarding the XXXX XXXX account, I stated that the account is fraud, XXXX XXXX supplied me with the original credit application and the application shows that the social security number is different from my own.
Product: Checking or savings account

After spending over XXXX weeks without a debit card, I finally received my debit card about XXXX days ago. My wife still waiting for her debit card. She have called several times. have filed more than twentieth time and they keep allowing merchants to charge me without my consent. Every time Wells Fargo finished an investigation, I received an email stating that it had been a system error. I have attached a copied as a evidence. 

On XX/XX/22 my wife, XXXX kids and I went to eat to a XXXX 's restaurant and my debit card was declined, I immediately called the bank to unblock my card instead they block my debit card because once again there were XXXX Unauthorized transactions. I was so embarrassed because I did not have any cash on me. This the second time that this bank is doing this to me.
Product: Student loan

My student loan went into default due to me not paying it because I was not getting any information on my student loan mailed to me or through email. Once I found where my student loan was I began repaying it through a rehabilitation program, which I completed successfully. I have been out of default for a year paying on {$45.00} a month. All of the sudden my loan servicer Navient raised my monthly payments to XXXX a month which I can not afford. I attempted to apply for multiple income driven repayment plans and the only plan lowered my payments only {$40.00}. They told me if I could not take care of my monthly payment my only option was to go into forbearance. They also told me I had to make one time payment to begin forbearance. I was never offered any other repayment plans and was forced to go into forbearance. I was trying to get a public service loan forgiveness and now that has come to a stop because I can no afford my student loan payments with all my other bills.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a Chapter XXXX bk on XX/XX/2017 on Harley Davidson Financial. I contacted this company and filed several disputes in the past with no satisfaction. They are still reporting me on the credit bureau as the account as open, which is incorrect- ( Following comments in taken from XXXX credit report via XXXX XXXX ) -- -- -.Current Payment Status On Payment Plan Worst Payment Status No Info Account Details Account status Open Since this account is included in a confirmed Chapter XXXX-I want these connotations removed by Harley Davidson
Product: Checking or savings account

I have a account with wells Fargo my debit card was stolen I filed a claim on on XX/XX/2022 I made a police report and I told the bank that they caught the person who did it and the told me my claim was closed and they are not refunding my money what can be done about this i have tryed calling i was on hold for one hour only to be hung up on they are wrong I have proff that I had nothing to do with the unauthorized use of my debit card as shown in photo below there is a court case on the person who did it
Product: Credit reporting, credit repair services, or other personal consumer reports

I called TransUnion and XXXX on XX/XX/2018 about some unauthorized inquiries on my credit report that I didn't authorize and asked both credit bureaus to be remove the Inquiries. TransUnion refuse to help or remove anything. TransUnion told me to contact the creditors and to file a police report and fax a deletion letter from the creditors. I contacted the creditors. I also informed them that the Inquiries were unauthorized and I didn't give any one permission to pull my credit. XXXX let me dispute the unauthorized inquiries and waiting on the results. I a fraud alert on my credit report with XXXX  and XXXX. TransUnion refuse to put a Fraud alert on my credit report. I've file a police report and faxed the info in to TransUnion as well but the credit bureau refuse to help me with unauthorize inquiries. The Inquiries are making my credit reports seem like I'm begging for credit when I'm not. The Inquiries are damaging my credit report.
Product: Credit card

On XXXX XXXX 2015 I went to Macy 's in XXXX. Tried to use my credit card. Denied. Said because I had n't paid the bill. I said I have n't received any statements. Told me I had gone paperless. Did n't think so. Went home tried to pay bill online, response was " not set up for online bill pay. '' Called Macys again, said I had not gone paperless, just argued with me. I told them this was a problem on their end not mine, would n't listen, said if I paid my bills on time I would n't have this problem. Paid my bill and {$50.00} in fees and closed my acct. How can they do that?
Product: Credit reporting or other personal consumer reports

I dont recognize synchrony or Lowes pulling a hard inquiry on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Per Mohela this complaint should go to the U.S. Department of Education. As the loan servicer Mohela I have already applied for borrowers defense and my application has not been reviewed. Mohela is the servicer for my student loans which means they have the ability to review and forgive the debt that occurred as a result of predatory lending. 
My loan balance is currently inaccurate. All the loans for XXXX XXXX XXXX amounting to {$33000.00} should be forgiven. I informed the U.S. Department of Labor/Mohela through Borrower defense XXXX case # XXXX regarding this and nothing was done to resolve the matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

this was repeated more then once I had to contact the police department because I was not the person that used my identity doing that time ..one of the rooms of my must been using my identity I not sure... 

I am writing to ask for the following be deleted in my file that is listed I am victim of identity theft and did not make the change .I ask that the times be deleted tp correct my credit report the theft of the my identity to federal trade commission and I also have enclosed copies of federal trade commission identity theft affidavit .please deleted the items soon
Product: Debt collection

First Financial Asset management added debt to my credit report without any acknowledgement in the amount of {$300.00}. Also XXXX XXXX XXXX has sold the original debt to first financial asset management. Violation of the Hipaa laws and privacy act.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries are unknown to me and I do not recognize them or authorize them. I was a victim of identity theft and I do think this was all done while that was going on. 

Company Information : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX Company Information : XXXX XXXX Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX Company Information : XXXX : : Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Company Information : XXXX XXXX : : Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX Company Information : XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX   Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX Company Information : XXXX : : Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX ( XXXX ) Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX Date of Inquiry : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

The CRA Experian is reporting a bankruptcy filed in XXXX of 2024. I did request the CRA to remove the bankruptcy from my report. This bankruptcy remains on my credit report. I did not give Experian permission to report this bankruptcy due to the Fair Credit Reporting Act. 15 USC .1681.
Product: Mortgage

I received notification on XXXX XX/XX/2022 that my loan servicing company sold my loan to Carrington Mortage Services, LLC, and that within XXXX days I was supposed to be contacted by them regarding my loan. I was not and currently have not been contacted regarding this loan. It is now XXXX XX/XX/2022, and my payment is due on the first of the month. I have no loan number from Carrington Mortage Services to apply a payment to. The website does not have my old loan servicing company ( XXXX XXXX ) listed on their website to obtain my new number, and when I try to call, I get no answer on the phone from customer service.
Product: Debt collection

I XXXX XXXX recently received a collection notice from XXXX XXXX XXXX , XXXX. The collection letter states that the original debt was with Citibank NA. I do not dispute that I had a credit card with Citibank. What I find as a problem is that I never received notice from Citibank that the debt was purchased. What I am entitled is a copy of the actual assignment of debt by Citibank to XXXX XXXX XXXX XXXX , XXXX. The Federal Trade Commission has made it clear on debt assignments, and how all collections without due process on validation has riddled the debt collection business with millions in fines and dozens of class action lawsuits. I have been recovering from XXXX over the past three years. I have had to drain my 401K and have struggled to work consistently. Citibank NA knew of my health issues, knowing that I was going to file for bankruptcy protection. The debt buyer was duped taking a debt that simply can not ever be paid. I believe that the assigned collection should be proved first showing an actual assignment of debt, and secondly the debt buyer should give the debt back to Citibank NA and be totally forgiven based upon my physical hardship. This collection is not valid based upon the lack of proof that it was ever assigned or purchased. The debt should be forgiven or I will have no other option but to file for personal bankruptcy.
Product: Mortgage

Specialized Loan Servicing received full payment for XXXX on my up-to-date mortgage account ( attached SLS statement - XXXX ) on XX/XX/2022. 
Today I called and asked why there is {$83.00} late fee ( see attached XXXX ) and found out about the unauthorized changed status of my loan on my account, and after complaining that I never authorize any changes to my loan, SLS representative agreed it was a mistake. 
I did not and do not want loan modification, and did not sent any documents saying otherwise. Somehow without my permission they applied my payment to a new modified loan that they chose for me and decided for me. 
This company changes documents as they please and ignores on-time payments. 
I hereby again state that I DO NOT WANT LOAN MODIFICATION AND AM HAPPY WITH MY 3.3 % monthly mortgage rate. 
I DO NOT WANT ANY LOAN MODIFICATION.
Product: Credit reporting

Equifax said that : " Please be advised the following accounts had been deleted for the credit the file in case number XXXX XXXX XXXX XXXX account numbers XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX and XXXX XXXX account numbers XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX.Written confirmation was mailed to you. '' YET 1 ) Most of these inaccuracies are STILL on my credit report. For instance, my Equifax credit report says that my installment loan amount is $ XXXX+ when it 's actually around $ XXXX. 
2 ) I was NEVER mailed a written confirmation.
Product: Credit reporting or other personal consumer reports

I am writing to dispute unauthorized inquiries listed on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

In XXXX XXXX, I accepted a credit card from Barclays Credit Card Company with a {$4000.00} limit. I paid every month ( never missed a month ) most times over the minimum amount until I lost my job in XX/XX/XXXX. I continued to pay until XX/XX/XXXX. However, with the astronomical interest rate of 22 % I have not been able to keep up the monthly payments which were over {$100.00} or more monthly. Because of this high interest rate and other charges, I am sure I have paid well over {$6000.00} on a {$4000.00} loan. I contacted the credit card company, asking for a lower interest rate, therefore a lower monthly payment, or a settlement of the account. I was told that I was not eligible for any of these options, and I was not offered any recourse. I am XXXX years of age, not in the best health, and only receive social security benefits and a small pension. 
I certainly do not want my social security benefits garnished as this is all I have to live on. It has been so hard finding work. I have interviewed and not called back for the jobs. I think it may be because of my age, or credit rating. of course I can not prove this. Any advise you can provide will be greatly appreciated. I am now 3 months behind on the credit card. 

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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$16000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00}
Product: Mortgage

I have not been able to make payments, view my online account or speak to a customer service rep and only leave messages in a general loss mitigation mail box. I have not been notified at all not by regular mail or certified mail there is a sale date on my property for XX/XX/XXXX and that I discovered by a sololiciter I contacted Fay servicing on the XXXX XXXX and stayed on hold for XXXX straight hours to finally speak to the loss mitigation they wouldn't tell me what I had to pay that was behind and I have escrow overage that I requested be applied to principal in XXXX also not done and they have hazard insurance on my home even though I've had homeowners insurance the entire time and provided them with this information. I have not been notified of any delquint payments until the XXXX after I called on the XXXX that is dated the XXXX. They have not offered me any options to avoid foreclosure or notified me at all and I'm blocked out of the online accounts and payments! I desperately need help I don't know what to do if I can't get any information from. Fay or even know the amount behind but I have XXXXXXXX XXXX escrow overage that they refuse to apply to the principal I requested this in XXXX
Product: Checking or savings account

On XX/XX/XXXX, I was charged for {$29000.00} from XXXX XXXX XXXX. I called discover immediately because charge was only supposed to be {$20000.00}. They issued me a provisional credit of {$20000.00} when they investigated the issue. On XX/XX/XXXX, they reversed provisional credit. They provided me documents that were " support documents '' from XXXX. The support documents had my signature on a bill of lading which just list my detailed goods. This was the only document they had that had a signature. None of the documents had my signature on an authorization to charge card or authorize any payment amount. I called discover on XX/XX/XXXX and the representative didn't understand why it rejected either and escalated it to her " XXXX ''. I called again on XX/XX/XXXX and they said no one ever put another case in so they did it again at that time. I called on XX/XX/XXXX to check status and they had no explanation why they were accepting the fraudulent charge.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach, and as a result, an unauthorized account has appeared on my credit report. Pursuant to XXXX XXXX XXXX ( a ) and FCRA XXXX ( b ), I request the immediate blocking and deletion of the following fraudulent account. 
Fraudulent Account to Be Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX