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

This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S. C. 1681 c-2 ), that Equifax block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of multiple accounts and inquiries that were opened or made without my authorization. The following accounts are fraudulent and need to be removed from my credit report. 

( MORTGAGE ) XXXX XXXX XXXX XXXX  Opened XXXX XXXX, XXXX with a balance of {$41000.00} Account number XXXX ( MORTGAGE ) XXXX XXXX XXXX - Opened XXXX XXXX, XXXX with a balance of {$0.00} account number XXXX ( Installment ) XXXX XXXX XXXX - Opened XX/XX/XXXX with a balance of {$0.00} account number XXXX ( Revolving ) XXXX XXXX XXXX  - Opened XX/XX/XXXX with a balance of {$0.00} account number XXXX ( Installment ) XXXX XXXX - Opened XX/XX/XXXX with a balance of {$22000.00} account number XXXX ( Open account ) XXXX XXXX XXXX - Opened XX/XX/XXXX with a balance of {$680.00} account number XXXX The following addresses I do not recognize as reported and should be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following inquiries are related to Identity theft which I do not recognize as reported and should not be reported : XXXX XXXX  - Inquired on XX/XX/XXXX XXXXXXXX XXXX  - Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX  - Inquired on XX/XX/XXXX XXXX XXXX XXXX  XXXX - Inquired on XX/XX/XXXX XXXX XXXX XXXX  XXXX - Inquired on XX/XX/XXXX XXXX XXXX XXXX  XXXX - Inquired on XX/XX/XXXX XXXX XXXX XXXX  XXXX - Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX - Inquired on XX/XX/XXXX XXXX XXXX XXXX  - Inquired on XX/XX/XXXX XXXX XXXX XXXX  - Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX - Inquired on XX/XX/XXXX XXXX XXXX  XXXX - Inquired on XX/XX/XXXX All of the aforementioned accounts, and inquiries are the result of identity theft and fraud. I have attached a copies of the FTC Identity Theft Criminal Complaint # XXXX, # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer loans, and inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

These companies have deprived me of life, liberty, and the pursuit of happiness and ownership of property.
Product: Debt collection

I attempted to contact the company on XX/XX/2020 about the account in collections and they did not have anyone available that day to take my call This company is attempting to collect a debt for a medical expense that was paid by the insurance all-ready The only thing I was required to pay was a copay which I paid for in office.This company is attempting to collect {$220.00} for a service that was allready paid for by insurance over a year ago I disputed this on my XXXX XXXX and it was removed this company failed to remove it from the XXXX XXXX credit report.What this company is doing is fraud and if this debt is not removed I will take legal action for all the pain and suffering this company has cause me it has caused me to become extremely anxious and stressed and I can not sleep at night due to this companys actions this company is breaking the law. This is an invalid debt they have put in collections on my credit report I have reported this to the XXXX XXXX and disputed with the XXXX XXXX and it was removed they have yet to update XXXX  and have not removed the invalid account off my XXXX  which is illegal in Florida.remove the account off of my XXXX  credit or I promise I will Pursue legal action against this company please advise them of this.This was a for a doctor I saw but my insurance covered it and I had valid insurance at the time this was over a year ago I saw this doctor my medical insurance covered the cost of this and I paid my copay.They have allready removed it from the XXXX XXXX which is an admit that this is invalid and proves that this company attempted to charge me for something that was allready paid for which is fraud.Please remove or I will sue! 
I have allready contacted XXXX  and submitted dispute aswell. 
The company has admited that this was a mistake as they have removed the collection account off of my XXXX XXXX yet the have failed to follow laws and remove it off of XXXX  Also they have yet no notify me verbally or write to me to inform me of this debt
Product: Debt collection

I KEEP GETTING CALLS REGARDING A CREDIT CARD THAT IS SAID TO BE MINE.
Product: Debt collection

I am a XXXX Veteran that is fully aware of the laws pertaining to medical debt from outside treating physicians/hospitals. I was told the bills submitted to my credit file were never paid by the Dept of Veterans Affairs when in fact they were never billed to them. I spent nearly 3 weeks making calls and collecting the appropriate documents. After numerous calls I discovered the bills were never submitted to the VA for payment and XXXX XXXX XXXX superseded the federal law prohibiting collections against veterans. H. Rept. 115-1025 -  PROTECTING VETERANS CREDIT ACT OF XXXX. I have made several calls to XXXX and left several messages for a supervisor to call me back regarding this situation. To this date I have not received a call. I advised them to send the bills in to the VA and they refuse to do so, they additionally stated they do not need to follow the law that was passed. XXXX  medical billing department has since sent my file to CHOICE RECOVERY where they have reported the collection to my credit. I am attempting to buy a house for my family and now my credit score has dropped over 35 points due to their clear and intentional violations of federal law - - Account Number XXXX - - Account Type Collection - - XXXX XXXX XXXX - - Date Opened XX/XX/XXXX - - High Balance {$0.00} - - Monthly Payment {$0.00} - - Account Balance {$580.00} - - Last Reported XX/XX/XXXX - - Amount Past Due {$0.00} - - Limit {$0.00} - - Remarks - - - Responsibility Individual - - Past Due - 30 Days 0 - - Past Due - 60 Days 0
Product: Credit card or prepaid card

On XXXX/XXXX/XXXX, I made a payment of {$190.00} from my bank account. Which left me with a balance of {$99.00}. It is now 2 hours to XXXX/XXXX/XXXX and my account has still not been properly updated. It still shows that my balance is {$200.00}. I last spoke to " XXXX '' Acct. Supervisor about 20 minutes ago ( XXXX XXXX ). I am now being told that my payment is in review???? What does that even mean? My previous 17 payments made in the last 4 months were never handled in this manner. Discover had really let me down. They did n't seem to be bothered in how it 's taken so long to make things right.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is one difficult company to deal with. Theres a XXXX XXXX XXXX account that on my Experian report that doesnt belong to me. I have disputed this account many times in the past and it keeps coming back as verified. I want to know how? I dont believe the Disputes are being handled by a live representative. Matter of fact I believe that the credit bureaus are running are Disputes through a machine. Verifing the accounts without contacting the creditors. Again this account XXXX XXXX XXXX for the amount of {$350.00} does not belong to me
Product: Debt collection

there are fraudulent collection accounts in my credit report. Kindly help me remove these so i can move forward with my finances. Thank you XXXX XXXX account # XXXX date opened XX/XX/20XXXX XXXX XXXX account # XXXX date opened XX/XX/XXXX XXXX XXXX
Product: Debt collection

I believe I paid the safe deposit box amount of XXXX $ cash to the Bank of America on the day I rented the safe deposit box in XX/XX/XXXX. In XX/XX/XXXX, I received a letter from BOA to inform me that I owe it XXXX dollars for safe deposit box and XXXX dollars for late fee. 
I believe I paid the safe deposit box, because based on my past experience with BOA, BOA would charge me safe deposit box before giving me the key to the safe deposit box. Second, I had cash the day I opened the deposit box, there is no way, I wouldn't pay the XXXX $ for renting a safe deposit box. 
Third, If I didn't pay the safe deposit box, why the BOA only mail me the payment 8 months later? instead let me know that owe its safe deposit money in the last year?
Product: Checking or savings account

BANK OF AMERICA XXXX XXXX XXXX, XXXX, SC XXXX Yes, I was scammed and deceived by your two I female bank staff who I thought were, did I lose {$310.00} from the bank I went to get help, and it was done in a planned manner by two staff working in the bank and then they ignored me, I had forgotten my mobile banking password for about six months and I couldn't log in when I went there to get help from the bank, they logged me into the account of another bank of America member on my phone and I wasn't aware of it, they set up another person 's account on my phone, they logged in and I was now using someone else 's account because of the mistake of two banker employees and also the credit card for the account I thought I thought They applied, it was approved and it was going to come to my address a week later, I felt a strangeness in this account, I told the situation when I went to the bank again because of the money and outflows, I explained the situation, it may not be my account, I said you gave me another person 's account, I registered my XXXX number to this account before, and did I send {$320.00} to this account, I sent {$320.00} to the account that I thought was mine, and when I went to the bank, they approved it and in a panic, it's not your account, you should log out of this account, yes, I'll log out, but when I said I said I want {$320.00}, you already have the password of this account, if you want to log in again They said you can send your money to your account, I trusted them and I logged out of the account, they made me log in to my own account, but my {$320.00} remained in someone else 's account and I asked for help for that and they didn't stand behind the mistake they made and they kicked me out, they also logged in to someone else 's account on my behalf of me, and without his approval, without that other person 's approval, they had a credit card opened in his name with my approval, and the credit card also came to my address and I delivered it to the bank without ever opening that credit card, I only wanted was my own money, it was XXXX dollars and after correcting their own mistakes, they ignored it and mine is good They badly used my intention, they defrauded me and they threw them out of my mind, I want my money, send me {$320.00}, the important thing is not XXXX not XXXX for me, the fact that they put me in the place of an idiots and idiots, they scammed me and they kicked me out of my head, I will write to all the necessary places, they made a very big mistake, they applied for a credit card in someone else 's behalf without their approval, and they installed someone else 's account on my phone, and the authorities who saw this, please contact me, I can't explain the situation well here, I can explain the situation better by mutually, there is a huge problem, there is a very big fraud at this address XXXX XXXX XXXX XXXX, SC XXXX I want to give you all the details about the mistake made by your two female employees and how they used me. I think someone's name is XXXX
Product: Credit card or prepaid card

I opened a Citibank Secured Card for {$600.00} credit limit secured by {$600.00} in XX/XX/2019. On XX/XX/XXXX, my bank declined to honor a payment on my account and Citibank added a {$25.00} return check fee. On XX/XX/XXXX, my bank did this again. Citibank closed my account on XX/XX/XXXX. I called them and they told me that they could not give me information as to why on the phone, and to wait for the letter that they were mailing me. They also said that once I received the letter, then I could ask for a new account to be opened. I waited several weeks and finally got the letter. I composed a letter explaining the situation with my bank and promising it would not happen again, and asking for a new account. I have tried calling their customer service center several times and can not get any information. They just talk in circles about the account is closed and that I need to pay the minimum payment on the account. I ask about my secured deposit and they just talk in circles that it takes them 21 days to review. At the time I was calling, it was XX/XX/XXXX ( today ), which has been OVER 21 days. When I point that out, they just repeat their script that it takes them 21 days to review .... I have already gotten a statement from them dated XX/XX/XXXX. which is after the " closed '' account. And the balance is {$590.00}. They have a security deposit in the amount of {$600.00}. So my thought is that they apply that to their bill and it IS closed. But they are holding my {$600.00}, closing the account, and still saying that I need to continue to pay the bill while there " 21 day review '' happens. But the 21 days has come and gone. I want either a new account opened secured by the {$600.00} and they can transfer over the {$590.00} balance and I can go back to paying and using my card as I was .... OR Apply the {$600.00} deposit to that final bill and we can be finished. 

Please help me as their customer service center is frustrating and just repeats the same script no matter what you say or ask. 

I am attaching the statement and the text from their website in regards to this secured card.
Product: Student loan

Account Number - XXXX1 Service Provider - aidVantage I requested a refund for three one-time payments I made and have not received a straight answer from AidVantage. 

Refunds Requested total to around {$12000.00}. 

I requested a refund for the three payments below : XX/XX/2020 - {$4500.00} XX/XX/2020 - {$3700.00} XXXX {$2400.00} I was told they couldn't find the payments and so I couldnt be refunded. They told me to call my old provider ( fedloan ) who then told me to call back AidVantage since they received all the loan information. 

Now when I try to call AidVantage, each time I call they hang up on me.
Product: Debt collection

Today I got a phone call from an unknown number. They inquired about a document I need to sign and send back. I told them I did not get any documents and they gave me a reference number and a new phone number to call. The new number was for a law office ( do n't remember the name ), they told me Wells Fargo was going to summons me to court. They wanted me to pay around {$300.00} now or over {$1300.00} if I lost in court. They claimed it was from 2012, but I 've never gotten a letter or a phone call today. Somehow they knew my current address and phone number but for the last 6 years they could n't reach me. They knew my past addresses too, but I never got anything at those addresses either. I had an account with Wells Fargo but it was well before 2012. I told them this is the first I am hearing of it. I ca n't even figure out how to over draft {$300.00}, I think they shut down your account after {$75.00}. I think they will be mailing me something. It just seems wrong to me.
Product: Credit reporting or other personal consumer reports

Hard Inquiry on credit report is a result of identity theft I have no knowledge of these inquiries. Need to be removed by four business days as per 15 U.S code 1681c-2
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage was serviced by XXXX XXXX at the beginning of the COVID19 pandemic. A forbearance program was offered and I opted in. The mortgage was then transferred to XXXX XXXX ( XXXX ). 

XXXX XXXX assured me that all would be good. Despite their assurances, I received 2 hand delivered notices as well as incessant robo calls. When I would speak to anyone at XXXX XXXX, the would continue to assure me that all was good and things were on track for a loan modification. 

Approximately XX/XX/2021, I was notified by a credit monitoring agency that a significant event and change occurred on my credit report. Upon reviewing my credit report, XXXX ( d/b/a XXXX XXXX ) reported a delinquent account to credit reporting agencies. 

I am not clear how this is delinquent when I have been communicating with XXXX XXXX about the modification program since the loan was transferred and I have made 3 payments since the modification started.
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy. Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need these account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. The FTC is a legal criminal report and I'm filing it under penalty of perjury which I am sending together with this letter. Since you are required to protect my privacy I need this matter handled with the utmost urgency. Please remove these account ( s ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Consumer Loan

My car was repossessed on XXXX/XXXX/2016 by Chase Bank. I called on XXXX/XXXX/2016 to pay the delinquent amount immediately. I was told the full balance of the loan would need to be paid not just the delinquent payments. I did not receive a notice of acceleration prior to them taking my car. I have received a notice of sale that will take place XXXX/XXXX/2016. I am a XXXX XXXX XXXX currently unemployed and in search of job. After speaking with several representatives from Chase Bank ( I have the names and id numbers ) and begging to make the payments I was refused. I have never defaulted on a loan. I believe this to be discrimination because of my place of residence and the fact that there is equity in the car ( over {$5000.00} ) that I may also lose. Please help I just want to be treated fairly, and not have my car stolen from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I am requesting that these accounts be removed from my credit report as I did not receive enough information to verify the debt, and XXXX has already removed these accounts for the same reason. have made several attempts to obtain information about these accounts from the creditors, but they have failed to provide me with sufficient information to verify the debt. As a result, I am disputing the validity of these accounts and requesting their removal from my credit report. Please delete these following accounts on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I was contacted today ( XXXX/XXXX/16 ) at XXXX by Midland Credit Management from XXXX and was given the name XXXX as the representatives name. I immediately knew the reason for being contact because six month prior to today, I agreed to have funds taken out of my checking account and was told that I 'd be contacted to reconfirm the recurring payment. Today the representative XXXX refused to allow me to continue making my current payment and demanded that I increase my payment. She told me if I do not make an increase in payment that my account would given to someone else and that she would not be able to help me anymore. This was an attempt to scare me making payments that are outside of my current capabilities. I explained to her that is would be ok if my account went to someone else because the payment that I 'm making is all I can do. I also asked why they were unable to take my payments any long and was told because I need to increase the amount and the rep. continued to demand more money from me. I do not see how that is fair when I am in agreement that I owe the debt and I am making an attempt to pay it and it was flat out refused.
Product: Debt collection

I not only dispute the debt validity because the debt originated from internet service I was not able to receive because of a defective device but two different statements clearly show a final balance of {$200.00} - NOT {$520.00}. 

XXXX turned over my account to Amsher collections & I responded immediately to dispute the legitimacy of the debt & uploaded my dispute to Amshers website. But Amsher Collections submitted my account to the 3 credit reporting agency anyway, for more than twice the amount.

I had an " Excellent '' credit score on my credit reports until this debt arising from a dispute over the validity of this debt. It stands to reason that it would be a conflict of Amshers interest to give me a favorable ruling because they get revenue from collecting XXXX unpaid accounts. Amsher then extorts people like me to either pay up or they will hurt my credit.

Please help me to get my Excellent credit rating back because the way this matter is currently being handled is tantamount to extortion i.e. whether I actually owe a debt or not is not relevant and if I dont pay them, they will tarnish & keep tarnishing my excellent credit score by making it appear the debt collections is for a valid & ligitimate debt.