23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have never heard of this company, and they have never contacted me ( by mail, email, or on the phone ). I only found out about this so called debt by looking at my credit report on XXXX   because they sent me a notification that my collections balances went up. I logged in and saw this supposed account ( opened XX/XX/2016 ) that says its for a doctors office ( XXXX XXXX XXXX MD ) that i have used in the past, but the balance was over {$1000.00} more than the only bill i ever got from that Dr. ( current amount is {$1600.00} and the only bill i ever got from the dr was for something around {$250.00} ). I tried disputing it, but was told its a valid debt. They keep adding fees every month but still have never sent me a bill. I am afraid to contact them to find out how they came up with this amount i owe, but i'm afraid i will start to be harassed ( which not contacting me and keeping charging me fees is harassment in my eyes ).
Product: Checking or savings account

Santander bank has blocked my access to my checking account which has my money. They refuse to give me access to my account and funds.
Product: Debt collection

I paid off my debt for : XXXX XXXX XXXX 
JEFFERSON CAPITAL SYSTEMS LLC Original Creditor : XXXX XXXX  XXXX  XXXX AMOUNT : XXXX Debt was paid off, and negotiated from the original amount of {$2100.00} to {$1300.00}. 

Debt was supposed to be paid off and also supposed to be deleted off my credit report. 

After looking at my XXXX report, THEY SUBTRACTED MY NEGOTIATED PAYMENT WHICH WAS {$1300.00} FROM MY DEBT BALANCE WHICH WAS {$2100.00} = {$730.00} LEFT OWED MY ACCOUNT WAS SUPPOSED TO BE PAID OFF AND DELETED OFF MY REPORT. 

I HAVE MY ENTIRE CONVERSATION WITH THEM RECORDED AND THEY ALSO HAVE ME RECORDED ON THEIR LINE AS WELL. 

XXXX  IS A ONE PERSON CONSENT STATE.
Product: Money transfer, virtual currency, or money service

Ever since I signed up with Venmo, my account has had problems. My account was frozen for no reason and I had to submit documents to unfreeze the account. I am unable to add any payment accounts to my Venmo account. I have been trying to add a credit card but it won't work. When I reached out to customer service, they said they'd get back to me but they never did so I had to request help again. Now they are asking me to submit the same documents I already submitted in addition to my bank account information. They asked me to send them a copy of my bank account statement. I never tried to add a bank account and I'm not sure why they're asking for this information. I just want my Venmo account to work!
Product: Mortgage

My complaint is with LOANCARE A SERVICELINK COMPANY, this complaint starts back to XX/XX/2018, after Hurricane Michael had destroyed my condo in XXXX XXXX FL, I took the right steps in notifying them right away that the property was destroyed and I asked them what my next steps should be. They told me they would put a forbearance on my account for 3 months, at the time I thought this would be enough time for me to receive my insurance checks and payoff my mortgage because the HOA voted to not rebuild the condos. Once the 3 months was up I informed them that I was still waiting for a 3rd insurance check to pay off the mortgage in full. LOANCARE told me that there was nothing they could do and expected me to make an XXXX mortgage payment on a property that was destroyed, after I had to move, find a new job and place to live. I told them I could not do this and asked them to wait a few weeks for the last insurance check. They did not, and started attacking my credit with a 75 point deduction every month that it was late. When I finally received the 3rd insurance check, I Noticed that the check was made out to the wrong mortgage company ; it was made out to XXXX XXXX XXXX XXXX, the mortgage company I originally bought the mortgage from, they then sold the lean on the property to LOANCARE. I was told by the XXXX XXXX ( where the property is located ) Clerk of court that the records have to be updated by the mortgage company that they own the lean on that land. ( you are supposed to do this when a mortgage company transfers to another, but it was not done ) So the HOA Trust fund can cut me a new check with the updated mortgage company. I have been calling countless time to inform them of this to no avail. They just transfer me back and forth between their insurance department and mortgage department. Telling me they have no idea who deals with that or they will do it and then nothing happens, I then call back, and they act like they never even heard from me in the first place. At the same time they pile more and more late fees, interest, onto the payoff statement. It has been 6 months since Hurricane Michael. I have the means to pay it off in full but they will not do their part.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to speak with a LIVE agent at Equifax but unsuccessfully numerous times. 
I am NOT able to logon to their Official website. It is NOT accepting my Username or Password. When I go to Forgot Password it prompts me to enter my Last name which I know and my social security number as well as my date of birth, I click submit but it automatically tells me that they can not log me on and that I need to call but when I look to the upper Left hand of the page it can see my name Welcome XXXX ... ( what is that??? ) I am not able to get through as the phone rings out and then hangs up. What do I do? I do n't know if I am affected by the security breach. 
I want to know if there is a Security and or Fraud Alert on my account and I need to dispute some things.
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 such as failing to forward consumer-provided evidence to furnishes, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes these failures algin with my experience, where Experian has neither corrected nor removed.
Product: Debt collection

In XXXX of 2020 I noticed a collections in the amount of {$760.00} with Allied Collection Services , Inc being reported to XXXX  and XXXX credit reporting agencies that significantly dropped my credit scores. On XXXX XX/XX/2020 I wrote a letter to Allied Collection Services , Inc and sent it via USPS with request for signature confirmation. The letter was received and signed for om XXXX XX/XX/2020 at XXXX. This letter stated that I wasn't refusing to pay said debt, but was disputing what was being reported and wanted written validation that the debt in fact belonged to within a 30 day time period. It has been 45 days and I haven't received or been provided any correspondence verifying or validating said debt belongs to me. I contacted Allied Collection Services, Inc on XXXX XX/XX/2020 @ XXXX and spoke with a representative with ID # XXXX and asked why I hadn't received any information back from them concerning the letter that they received on XXXX XXXX. The representative stated that he didn't see any letter in my file. He stated that the debt was with XXXX and he could get them on the phone and they could explain when and what the charges were for. I denied and stated I wanted written correspondence verifying or validating said debt belongs to me. I asked to speak with his supervisor and he stated that he was at lunch and that he would have XXXX call me when he returned. I never received a phone call back from the supervisor.
Product: Credit card

On XX/XX/2024, I was scheduled to fly out of XXXXXXXX XXXX to XXXXXXXX XXXX at XXXXXXXX XXXX  on XXXX XXXX. I got to the airport at XXXXXXXX XXXX the flight time was delayed and eventually cancelled after waiting for about 6 hours. I contacted the XXXXXXXX XXXX for refund of my fare {$180.00} and I was unsuccessful due to lack working contact for XXXX. I therefore disputed the charge with my credit card company Discover credit card. Discover said the charge was valid and they will not reverse the charge. I further said to Discover that the dispute was not about the validity of the charge but about service that was not render therefor I must get a refund.
Product: Credit card or prepaid card

On XX/XX/XXXX a handful of charges were made to my credit card account. 
{$370.00} {$240.00} {$67.00} {$16.00} {$15.00} {$33.00} {$4.00} {$21.00} All of which took place in XXXX, Florida and two in XXXX. I live in XXXX but I did not make any of these transactions and was in a meeting during the time of these transactions. When alerted by my bank, I acted quickly. I told the representative my card was still in my possession and I was physically holding it. She said the chip had been used to make the transactions and was baffled, as was I. She informed me to shred the card and she would issue me a new one and reverse the charges. The charges were reversed but reappeared in my account yesterday. The bank denied my fraud dispute because " the chip was used '' and did not contact me to inform me the fraud was denied nor did they do a proper investigation as they would see I can't be in two states at once. My XXXX location history shows I have not left Illinois in many months and I live alone and nobody has access to my physical card. You will see in the attached images my credit card was paid off prior to these transactions.
Product: Debt collection

I am submitting this complaint myself and there is no third party involved. Regardless of the multiple written requests, the RMP, LLC ( Original Creditor : IXXXX XXXX XXXX  ) with account number XXXX, still reporting on my credit report in violation of Federal Law. The XXXX and XXXX are failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681 within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/year>, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

In XX/XX/XXXX my now ex-husband and I obtained a reverse mortgage on our house at XXXX XXXX XXXX XXXX, XXXX, FL XXXX through XXXX XXXX XXXX. This mortgage was sold to XXXX XXXX XXXX, division of XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX TX XXXX phone XXXX in late XXXX. I left this house in XXXX and have no contact with my ex since XXXX, and have not seen any of the documentation sent to that address concerning this transfer. Our divorce agreement allows him to remain in the house until it is sold and he is being very uncooperative with this process. We contracted with XXXX XXXX of XXXX XXXX XXXX XXXX in the XXXX XXXX Florida office phone XXXX and finally signed a contract after agreeing to a listing price of {$350000.00}, knowing full well that the house in the condition it is in would not sell for anything near that price but it was a starting point to see what comments from viewers were along with any offers that were received. There were no offers, comments were very negative. 
We finally received a cash offer of {$220000.00} from a party needing to get money from a property exchange invested. XXXX XXXX hired XXXX XXXX XXXX, XXXX XXXX XXXX owner, XXXX XXXX XXXX XXXX, XXXX FL. XXXX phone XXXX to do the appraisal and his appraisal, with lots of errors, was given to XXXX XXXX of XXXX XXXX  at {$350000.00}. I sent Ms XXXX an e-mail letter requesting copies of all documents sent to the XXXX XXXX XXXX address on XX/XX/XXXX, I spoke to her on XX/XX/XXXX, she said that the e-mail address I was given was incorrect and that she never got the letter and that the dispute of the appraisal had been reviewed and the short sale was denied. I had to fax ( not e-mail ) the letter to her which I did through Mr. XXXX. Even though the reverse mortgage includes insurance for any shortage, they will not approve the short sale, want the house sold for {$350000.00} which will not happen. Mr. XXXX is filing a complaint against the appraiser as well. The amount of documents is large ( the appraisal documents & pictures alone are 46 pages ), and I don't yet have and have no ability to get from my ex, other documents that may be needed. Please let me know what you may need and I will do my best to obtain them.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach and, as such, I am requesting the immediate deletion and blocking of certain accounts and inquiries that have been fraudulently reported on my credit file. These accounts and inquiries are the result of unauthorized activity and do not belong to me. I am requesting that they be deleted pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). 
Below are the specific accounts and inquiries I would like to have removed from my credit report : Fraudulent Accounts : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Vehicle loan or lease

Hi there. I have a lease with US Bank for a XXXX XXXX XXXX. I had personal circumstances arise where I have to move to XXXX. I want to point out that when I purchased the XXXX, my driver 's license was from the state of XXXX. My house in XXXX just sold and I would like to take my XXXX with me. However, US Bank won't let me take the car due to the contract ( Section B7 ). US Bank also won't allow me to sell the car to a third party. The only options they are giving me is to purchase the XXXX. However, the XXXX remaining lease payments and fees would be added so the purchase price would be very high ( more than it is worth ). The second option is to drop the car off at a dealership and get a bill for the remaining lease payments plus fees. Both options are very expensive. I have tried to talk with them, but they won't help. I attached the lease contract ( XXXX template ) and their denial letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent letter to Experian still refused to follow demands of the law which are my rights.... To Whom this concern. Please forward to person of interest. I am writing to dispute. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX, ] on credit report. The balance listed on the account is incorrect. YOU MUST DELETE the account, you are NOT AUTHORIZED TO RETAIN NOR REPORT, doing either is a CLEAR INFRACTION of the FCRA and certainly UNJUST INFRINGEMENTS upon my CONSUMER and or CIVIL RIGHTS, either being REMEDIABLE in a CIVIL COURT via MONETARY AWARDS to me for EACH VIOLATION and EACH PERIOD of which you CONTINUE YOUR MIS-REPORTING of this OBVIOUS and ILLEGAL MIS-INFORMATION. YOU MUST ANNUL the ACCOUNT ALLEGATION and ALL ASPECTS of it TODAY, HERE AND NOW so DO SO to RETURN to or RETAIN lawful REPORTING!
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom this may concern, I am not responsible of those accounts. I am a victim of ID theft. People have used my information to open them and also make fraudulent activities, so it's very infuriating to be told those accounts have been verified. Therefore, I am invoking the Fair Credit Reporting Act Section 611 ( FCRA 611 ) ( 15 U.S.C. 1681I to ask that you provide me with the following information : 1. The date you contacted the creditor.

2. The contact information for the creditor.

3. The name of the person who verified the item to you.

4. The method of communication you used to verify this information.
Product: Credit card or prepaid card

On XX/XX/17 I filed a dispute with my credit card company ( Chase VISA ) for an online purchase made on XX/XX/17. Chase VISA kept closing the dispute even though it wasn't resolved, acting upon misinformation from the vendor. When I called to discuss and provide necessary documentation, they advised me to " reopen '' another dispute. I did so four ( 4 ) times. Since my written disputes weren't getting reviewed, I attempted a phone resolution many times with many CHASE associates ( most of which had foreign accents ). I became very frustrated with their service and visited my local CHASE branch to seek assistance. The branch manager " escalated '' the matter, only to then discover it was past the time it could be disputed - due to Chase VISA failing to research, discuss and act upon the original dispute dated XX/XX/17 as well as the many follow-up ( re-opened ) disputes. This was no fault of my own and CHASE must take responsibility for their failure to resolve this matter.
Product: Mortgage

On XX/XX/XXXX I reached out to CitiMortgage to obtain a discharge of mortgage from XXXX in the amount of {$240000.00}. 
The XXXX I was given have the option to choose if you are looking for a lien release, this option provides you with a email XXXX. I have reached on to this website on XX/XX/XXXX, multiple times on XX/XX/XXXX, XX/XX/XXXX, multiple times on XX/XX/XXXX and on XX/XX/XXXX, multiple emails came back undeliverable so I then tried and additional email address on one of the emails XXXX, which I did receive an email back that stated not to reach out to this email anymore to contact the address I have already contacted multiple times. I also sent a fax request to XXXX, which, I received a confirmation that it was received but never received a response I then was told Citi Mortgage sold their servicing to XXXX XXXX, which I called and was given a 2 fax numbers XXXX and XXXX. Faxed my information to both numbers received a conformation the information was received but never received a response. Called XX/XX/XXXX to find out the status and was told XXXX is not responsible for a loan that was never sent to them to reach out to Citi. Was provided the same telephone number and email address that was already a dead end.
Product: Credit reporting or other personal consumer reports

Im disputing information on my credit report. Pursuant to FCRA 605B Im including exactly what youre requesting. Proof of my identity, account which is involved with the theft & a copy of a completed & submitted FTC identity theft report. Im complying with the letter of the law & what youre required to have to honor my 605B request. 

XXXXXXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

This is about BoA not living up to their promises, as usual. I contacted them by phone numerous times ( XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX ( supervisor ) on XX/XX/XXXX ) as well as through XXXX, to report on a late bill payment for which I was charged a late fee. XXXX opened a XXXX # XXXX on XX/XX/XXXX, When I spoke to XXXX on XX/XX/XXXX, she said that the request had been denied. When I asked why, she could not figure out then said that the case did not have the details. So, she re-created the case. Their Bill Payment message ( on their website ) indicates that delivery date is when the payee receives payment, and if they do not, then BoA is responsible for any late fees incurred. I was on a call with XXXX ( supervisor ) on XX/XX/XXXX. He said that the payment gets posted 1-2 days later, which directly contradicts what BoA states on your website. 

They owe the late payment fee to me which the payee has assessed on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

experian, XXXX, and XXXX  all have reports of collection accounts my son took out and has it under my name as we share the same name. These are not my accounts and were taken out fraudelently