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

The offender has wiped out and created new aliases with my information she also obtained a XXXX  or green card using my information per uscis. She has frauded four banks and i can not get an annual credit report and i am not able to combine because she took stole all my information i had a XXXX XXXX XXXX and it was shut down no explanation when i had good credit now that i have send in my new information im starting all over but i need my old good credit and still cant get an annual credit report.
Product: Debt collection

O & L Law Group , P.L . Is a debt collector. We are trying to collect a debt that you owe to galaxy international purchasing, llc.
Product: Debt collection

on XXXX/XXXX/2015, I filed an dispute with Steven Business Service. I advised them that I am not refusing to pay the alleged debt, but their claim is disputed. I advised Steven Business Service to send me copy of contract with my authentic signature that begun this alleged debt and should the contract not be available with my authentic signature to delete the trade line off the CRA. More importantly, I advised Steven Business Service that not complying wit the FDCPA will put their company in a bad position with the CFPB. Steven Business Service never sent me a contract with my authentic signature that begun this alleged debt and is still reporting the account to the CRA .Steven Business Service sent me correspondence dated XX/XX/2015, and it stated that they have responded to my previous disputes and there is not any new facts to form a new investigation pursuant to the fair credit reporting act U.S.C. section 1681s-2 ( a ) ( 8 ) ( F ) ( i ) ( 11 ) and no further replies will be forthcoming.
Product: Credit reporting, credit repair services, or other personal consumer reports

This will be my last Complaint to inform the XXXX and TransUnion Credit Reporting Agencies that I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) the Credit Reporting Agencies are required to remove any ITEMS which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. If the Credit Bureaus do not comply with the requests, it leaves me no choice but to pursue legal action. I need the following items deleted as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$300.00}, {$2000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am  writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS -- 1. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a credit limit of {$300.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2000.00} -This is not my account.
Product: Credit card or prepaid card

On XX/XX/2022, I applied for and was approved for a Prosper Card. The email I received stated that I had a credit limit of {$500.00} and that I could download the app and set my account. 

I downloaded the app and attempted to set up my account using the " new user '' link, as directed in the email sent to my XXXX address. The app asked for a card number which I do not have because the physical card has not been delivered. HOWEVER, the email clearly states that users will have access to the virtual card. This information is on their website AND the initial communication in an email after I was approved. 

When I called the company, they identified the date I applied as XX/XX/2022, which as you can see from the screenshot is not accurate. When I asked how I could set up my account, the customer service told me to use the " new user '' link, the same link that sent me to a page asking for a card number. He did not provide a card number for me to use, again keeping me from setting up and viewing my account. 

Either this company is a scam or they are purposefully misleading consumers. If you look at the reviews on the XXXX XXXX app, many, many consumers are having this same issue.
Product: Credit reporting or other personal consumer reports

This complaint is filed pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) to request that the Consumer Financial Protection Bureau ( CFPB ) assist in the removal of fraudulent accounts appearing on my credit report. These accounts were opened as a result of identity theft and contain inaccurate and false information. The fraudulent accounts are as follows : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXXXXXX Balance : {$840.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$470.00} XXXX XXXX XXXX XXXX Balance : {$1200.00} These accounts have resulted in fraudulent credit reporting and collections on my consumer credit report. I demand that these fraudulent items be removed immediately and that all related collection activities cease in accordance with my rights under the FCRA and FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I reached out to Equifax regarding unauthorized inquiries that I do not recognize after I was denied credit that was given to them from Equifax with the unauthorized inquiries. I called Equifax and asked to speak to the Fraud Department or a special handling department because I am a victim of Identity theft with a fraud alert on my report. After being transferred 3 times when I asked to be given to the correct department I was first told the representative that I had to file another police report which I already contacted the police department and the sergeant stated the information I was given was incorrect and they should stop keep sending people back after they have already filed a report. I told the representative the items that needed to be removed or blocked immediately because I am a victim of Identity theft. I was told that it would be removed with 48 hours. I waited and checked my credit report on XXXX XXXX and on the Equifax website on XX/XX/2021 and the items were still on my report. I called again after being transferred again 2 times the representative verified that I have the fraud alert with statement saying I am a victim of identity theft, so this time I was told the system was processing and it should be updated overnight. 

XX/XX/2021 I called Equifax again and got transferred again twice was told to go to police again and contact the FTC which I explained to her that this has already been done and to look at my account and she should see that this was supposed to have been already completed. I told her I would be filling a complaint with CFPB and XXXX  if my account is not reporting the accurate information. XXXX  and XXXX  corrected my with 24 hours. She told me she removed the fraudulent inquiries and I informed her that I would be checking XXXX and the Equifax website and if it is still there I will fill the complain. 

I got off the phone with her and gave it 1 hour and the items are still reporting on both XXXX and Equifax website. 

I even told her that both my son and Fianc just got calls from their Human Resource department letting them know someone filled unemployment in their names. My Fianc is a XXXX  Vet and now XXXX  XXXX  and my son works for one of the other credit reporting agencies.
Product: Credit card

On XXXX/XXXX/16, I received an e-mail indicating a potentially fraudulent charge to my Citi credit card. I called on XXXX/XXXX/16 to tell them the charge was fraudulent. In addition, there was another fraudulent charge. They stated that they would need to close this card and issue a new XXXX. I am traveling and need this card to charge expenses. I asked them to overnight a new card to the hotel I would be staying at and that I needed to charge an airline ticket for work. They put me on hold for 30 minutes to get a Supervisor. If they are this under staffed in the fraud department maybe the CFPB should examine their procedures and response times. Is fraud something the people should put with and the government and banks are above the law? These banks, credit card companies and the government is nothing but a crime syndicate.
Product: Mortgage

I am requesting for Carrington for a payment deferment for my XX/XX/year> mortgage payment. I am experiencing a temporary financial hardship for this month with my light bill being hire then usually. Which will take away half my income which will make it unable to make my. XX/XX/year> mortgage payment.
Product: Credit reporting or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$25000.00} XXXX XXXX XX/XX/
Product: Student loan

I consolidated my loans in 2007 with the promise that if I worked for a non-profit for 10 years I would have them forgiven. XXXX XXXX signed me up for a loan that doesn't work for that program even though I had said at the time that I wanted to participate in the student loan forgiveness program. 

In XXXX I tried to have my loans forgiven and was told about it being the wrong type of loan. I reapplied for the correct loan and was approved. I also applied for Income Based Repayment. That application is supposed to take 3 weeks but it has been over 6 with no progress. I've called and emailed and heard that it was being worked on but nothing has happened. the people I talk to keep saying that they will expedite it but then I end up calling again a week later to find that nothing has changed. 

This process is confusing and annoying and I have to take time out of work in order to call and take care of the issues. It's very frustrating and they don't seem interested in doing their jobs.
Product: Debt collection

My information was stolen from my health insurance years ago XXXX and from XXXX and I was home and unaware and now that Im in need of a new home I am unable to get approved because of these atrocious derogatory marks on my report
Product: Checking or savings account

Try and close my bank account XX/XX/2023. They said that I violated their direct deposit policy along with other things. I have been emailing back-and-forth with them for sometime now, and not getting nowhere because theyre giving me the runaround. I have experience homelessness after eviction and still am trying to regain stability for my family and I I have XXXX XXXX  and I XXXX the XXXX at XXXX weeks because of the stress. chime needs to return my money. I have emails of them stating theyll send a check out one email saying that they canceled the check and are gon na send the check out again theyre giving me the runaround enough is enough I want my money back.
Product: Consumer Loan

I returned my XXXX XXXX XXXX on XXXX XXXX, XXXX, to XXXX XXXX XXXX in XXXX XXXX, VA, upon the maturity of a lease. However, I received a bill in the amount of {$970.00} on XXXX XXXX, XXXX. The bill included a $ XXXX lease payment, {$350.00} disposition fee, despite the fact that I received a confirmation over the phone on XXXX XXXX, XXXX, that these charges will be waived after my spouse 's lease of a new XXXX. He did end up leasing the vehicle to save on charges. 
The most disappointing fact was that the bill included {$410.00} charge for a windshield chip. I do not recall the chip. When I was dropping of the vehicle, the dealer conducted the inspection and never mentioned the damage. I was told during the phone call that the third party inspection conducted on XXXX XXXX, XXXX, revealed the damage. My suspicion is that something happened to a windshield between drop off date on XXXX XXXX XXXX and XXXX XXXX XXXX. 
I tried to explain my situation to Toyota Financial Services, but no one could help. I do believe that there is a flaw in the Toyota 's system of lease returns. Consumers have to be informed by Toyota about the third party pre-inspection option. This has to be a required step during a lease return, so as a consumer, I witness the revealing of a damage. Otherwise, I am feeling that I am being billed for a damage that has been caused by someone else. Moreover, if I would have known about the damage, I could have fixed the windshield myself through my insurance for much more cheaper price. I believe that I had a coverage for windshield repair. It would cost me {$0.00}. Now, I am in the limbo of Toyota 's policies with an obligation to pay {$410.00} for something that I have not done. 

In addition, I had to call Toyota Financial Services 3-4 times to waive the charges for disposition and XXXX lease payment. I had to spend 1-2 hours each time to explain the situation and promises Toyota Financial Services have given me. Luckily, XXXX XXXX XXXX ID # XXXX had a time to discuss my situation and listen to me. We were able to agree on waiving $ XXXX XXXX lease payment, and {$350.00} disposition fee because they promised to do so if my spouse leases new vehicle. 

Despite spending hours over the phone with customer service representatives at Toyota Financial Services, no one was able to remove {$410.00} charge for a chip on a windshield. I was planning to write to Toyota 's corporate office, but came across the CFPB. I do hope that this complaint will require some policy changes at Toyota Motor Sales Matured Lease Services. 

As I mentioned before, I do hope that the pre-inspection will become mandatory prior to lease returns unless consumer waives it in written form and states that they wo n't disagree with post lease return charges on damages. I also hope that Toyota will be able to reimburse charges to consumers who truly believe/d that they were billed wrongfully. 

Thank you,
Product: Checking or savings account

I had a wire transfer for XXXX deposited into my M & T Bank checking acct on XX/XX/XXXX which the automated system said it was avail for withdraw and my mobile app stated the avail was XXXX ( since I had XXXX already in the account ) for withdraw, payments, or transfer. I went to XXXX branches XXXX at XXXX XXXX XXXX XXXX XXXX DE And XXXX on XXXX XXXX XXXX XXXX XXXX DE, and was denied my withdraw of only XXXX XXXX  and was told had to wait a day. This should not have happened since the deposit was a wire transfer and the app said it was avail. XXXX be closing my account out once I set up my direct deposit elsewhere. I asked to speak to a manger and she advised I could not withdraw my money. XXXX done with this bank. This is unacceptable and other customers need to be aware.
Product: Checking or savings account

I opened my U.S. Bank account in XXXX and this is now my XXXX complaint Ive had to file against them. So overnight on XX/XX/XXXX, I noticed that they returned my XXXX XXXX payment for {$20.00} even though I had a direct deposit pending into the account. My understanding is I have overdraft protection and most banks will allow you to overdraft the account even up to {$500.00}. So I feel the {$20.00} cleared since it was direct deposit pending that wouldve covered that amount and also they should post direct deposit sooner like XXXX XXXX for example other banks will post a direct deposit up to two days early. So it looks like anything over {$50.00} dollars they will return. So I want to warn others either make sure you have funds in account. Overdraft protection is awful with US Bank even if have a low ACH like {$20.00} then they will return your payment. I never had this issue with XXXX or XXXX XXXX.
Product: Vehicle loan or lease

In XX/XX/XXXX by daughter was in a car accident and her car was totaled. She was not hurt. GM was informed of the accident and our insurance company paid their portion of the loss {$10000.00} and it was credited to the account on XX/XX/XXXX. 

XX/XX/XXXX - I logged into my account and had an online chat where 'XXXX  ' stated the account was paid in full. ( see attachment ), so I thought our obligations were complete. 

I followed up a few more times and each time GM told me they were simply waiting for GAP insurance to process, but my account was fine. 

XX/XX/XXXX - My credit bureau report was hit with a late payment. 

XX/XX/XXXX - I called GM and spoke with XXXX ( id XXXX ) and she informed me that I was late on my payments. This was the first that I had heard the account was not in good order. XXXX admitted GM 's systems were not showing accurate information but I owed $ XXXX/mo until GAP insurance was received. This was the first communication from GM telling me this, and their on-line site did not show this information. 

XX/XX/XXXX - My access to the on-line GM portal was shut down, and I was told that in order to make a monthly payment via phone, GM would charge me an additional {$10.00}.

I was also told that my daughter ( the other co-signer on the account ) still had access on-line. This was not true either ( see attached )
Product: Credit card

Capitol One Bank approved me for a credit card with a specific credit limit. A few weeks after I began using the card the card became restricted when I called they were asking me for a tax ID number. I explained that Im a US citizen and that I do not have a tax ID number. They demanded that in order to take off the restriction from the card that I send in a copy of my Social Security card, I faxed a copy of my Social Security card to them. The restriction was not lifted so I called them again and asked to speak with a supervisor. The supervisor would not tell me why they were looking into my account only that I needed to let them know what my tax ID number was I again told them I do not have a tax ID number. I am a US citizen and I sent them a copy of the Social Security card. They said that they couldnt see the Social Security card to resend it and gave me a case number I wrote the case number on the paperwork and resubmitted my Social Security card via fax to them, I have phoned again as the restriction was not lifted and they are still asking me for a tax ID number and now they are asking me for my birth certificate and drivers license. This is outrageous that I would be XXXX profiled and targeted in this manner, I am a US citizen and should not be treated this way. I refused to send them anymore of my private documents, and I will be closing this account, but I wanted to report them for this awful XXXX profiling and targeted behavior that they did to me. This is harassment and I will never do business with them again.
Product: Payday loan, title loan, or personal loan

In XXXX of this year ( 2019 ) we applied for a personal loan for {$6000.00} through OneMain Financial in XXXX Colorado. They sent a pre-approval email to my husband and I and then stated that I didn't qualify for the loan. I have yet to receive an adverse action for the attempted loan. They then stated that they had to get the title for the vehicle that was used as collateral for the loan so they could sign the title off to my husband and remove me from the loan. The title took a long time to get in and didn't receive the title till XX/XX/XXXX. We went in, signed the title over to my husband and waited for another answer. They told us that the loan had to be sent to the corporate office for the finishing documents and that it would be ready on XX/XX/XXXX. We never received a call and continued to call and inquire about the loan. Each day we called, we were told that the loan officer and the supervisor were busy and would call us back. When they did call us back ( after a few days each week of pestering them for an answer ), we were told that we were waiting for the corporate office. We finally got a hold of them, again, on XX/XX/XXXX and they told us that my husband did not qualify for the loan. When asked why, they told him that they could not give him that answer and he would get an adverse action in the mail.
Product: Debt collection

This is a collection debt for XXXX XXXX XXXX XXXX from an account that was opened using my information. The account was opened in Louisiana and the amount is for {$600.00}. I have never lived or even been to to Louisiana and I don't have any friends or relatives that have lived in the state. This is probably the third or fourth time I'm reporting this as fraud. Its the same debt but, the collection agencies just change. I've already reported it several times as fraud.
Product: Mortgage

On XX/XX/2020 I was trying to make a payment online to our mortgage company, NewRez. I went into the website like I always do to make my payment. When I logged in to my account and put in my login information, it went to the same page as it always does to enable me to make my payment online. When I clicked on the make-a-payment button, I got a message saying that this loan doesn't accept online payments. I tried it several more times thinking that maybe I put in the wrong info and kept getting the same result. I then called the number for customer service listed on the website and also another number listed on my statement. I finally talked to a csr and when I gave them our loan number and my husband 's SS #, they told me they couldn't find our account information. I asked them how that could be true, because we have had the same account info since we have been with this company. They acted like they didn't know what could be wrong. I asked them why I was not able to log in and make my payment online like I always do, and they said they didn't know. The csr told me that they would inform their tech dept about the issue, and they would contact me by email about it within 24 hrs. Today is XX/XX/2020 and I still haven't heard anything from them on this matter. I just logged into my account again a few minutes ago, and when I put in my login info, it told me my info is wrong. I know that I am putting it in correctly, because I have my info written down so I wont forget. I have heard about people getting their mortgage information stolen and others using it to open new accounts. I need to know what is going on with this. Also, I just realized that the number I was giving them was an account number and they asked for a loan number, which I don't have. But they should still have been able to find our account info using my husband 's SS # and the account #. Your help is appreciated.