23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. there is some inaccurate information reporting. XXXX OF XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 2. there is some inaccurate information reporting. XXXX XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 3. there is some inaccurate information reporting. XXXX Account XXXX : XXXX Please remove it from my credit report. 
4. there is some inaccurate information reporting. XXXX Account Number : XXXX Please remove it from my credit report. 5. there is some inaccurate information reporting. XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 6. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX 7. there is some inaccurate information reporting. Account Number : XXXX Please remove it from my credit report.
Product: Debt collection

A-1 COLLECTIONS SVC ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX , XXXX, XXXX XXXX PHONE : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you A-1 COLLECTIONS SVC or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : A-1 COLLECTIONS SVC or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

This is several times I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit reporting agencies to review this account ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the listed incorrect information on my credit report. 
XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  Balance XXXX {$2500.00XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$5100.00} XXXX XXXX Balance : {$940.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$2400.00}
Product: Money transfer, virtual currency, or money service

My son XXXX XXXX sent 2 XXXX payments of {$500.00}. Each on XXXX, to me. XXXX XXXX. However I never received them. XXXX opened an investigation with USBank to see what happened. US Bank sent him a letter dated XXXX saying his claim was denied because the money was received. However it was not. Upon further investigation we found that he sent it to the wrong phone number. He sent it to a XXXX XXXX at XXXX, instead of XXXX my number. We contacted US Bank and they said they could not do anything about it. We then contacted XXXX XXXX at XXXX and asked if he would return the money as XXXX has XXXX and works at XXXX part time and this was two months wages. XXXX said he went to XXXX XXXX on XXXX and had XXXX XXXX reverse the transaction and take the money out of his accounts. XXXX never received the money back in his account. We contacted US Bank and refiled a claim saying all the above. They said they could not do anything because XXXX XXXX was not their client. We need XXXX XXXX and US Bank to return the money as one of these banks has XXXX money. I have since then been put on XXXX account so I can help him deal with this problem. It honestly does not make sense of why these two banks can not contact each other and resolve this issue.
Product: Credit card or prepaid card

I received a payment on my child support card from my ex husbands stimulus check. Since i had not received a payment in years the card that i have at home was expired, which automatically generated me a new card. Well i never received the card. I call twice about not receiving the card. On Friday XX/XX/XXXX I called and requested the card be express mailed since i had been waiting for my card that was allegedly sent XX/XX/XXXX according to the website. The gentlemen told me that it would be {$14.00} and some change and I would have my card on Monday. He also stated that I would get a tracking number. Well neither happened but they did charge me out of my child support and still did not send the card. I need my money and it is illegal for them to hold it XXXX the way that they are.Now my accounts listed a fraud and I can not log in or call anyone about it because it says they can not connect me. Can you pleas help me?
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer services and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timey and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Mortgage

I asked for a deferment due to fraud activity on my bank account a few months prior that caused me a lot of havoc financially. My request was denied but when I went to make a payment online the next month the screen had a trial pay agreement stating that I didn't have to make a payment until XX/XX/year>. Because I didn't want to be reported as a late payment in XXXX, I made the XXXX payment in XXXX. A representative called me in XXXX and verified that a payment had been made and stated everything was ok. Now in XXXX I get notified that my score has dropped XXXX points due to a XXXX mortgage late. When I tried calling to speak to someone the phone system would never connect to a live person. I was not 30 days late so how could I be 60 days late? This false reporting has caused a major setback to me starting a new business and getting the equipment that's needed. I need this rectified immediately and Mr. Cooper needs to change their phone system for better communication. As a Realtor I have concerns about other customers not being able to get through and losing their homes because of it. My home is my legacy therefore I will not be late on my mortgage to be reported to the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, XXXX, XXXX, XXXX, XXXX and XXXX of 2019, I contacted all 3 major credit bureaus ( XXXX, Transunion, and XXXX ) via certified mail to inform them about my identity theft. I filed a police report with the XXXX Police Department. I sent a copy of the police report to the lenders and credit bureaus via certified mail. I have repeatedly requested for XXXX, Transunion, and XXXX to delete the fraudulent hard inquiries on my credit reports. I was proactive by placing a fraud alert on my credit reports to prevent lenders from obtaining my credit reports without my permission. The 3 major credit bureaus did not honor my fraud alert, and still allowed lenders to obtain my credit reports. Several unauthorized hard inquiries are now on my credit reports. The lenders did not have my consent, permissible purpose, signature, knowledge, nor personal identification when credit was sought in my name. XXXX, XXXX, and Transunion still allowed the hard inquiries. My rights have been violated as a consumer through the Fair Credit Reporting Act. I am being denied for credit opportunities because of the excessive unauthorized hard inquiries on my credit files. I am seeking legal defense.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX  XXXX Balance : {$5500.00} XXXX XXXX XXXX  XXXX XXXX XXXX : {$3000.00} XXXX XXXX XXXXXXXX Balance : {$950.00} XXXX XXXX XXXX Balance XXXX {$1800.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX : {$0.00}
Product: Mortgage

After submitting complaint XXXX, XXXX XXXX XXXX at Wells Fargo informed me via email on XX/XX/XXXX that he would not be able to respond to me about their investigation XX/XX/XXXX. The investigation is related to several recorded conversations when Wells Fargo provided me erroneous information about their forbearance program, which resulted in destroying my credit. The investigation will determine whether or not I need to pay them $ XXXX of payments that were on pause while participating in their forbearance program. 

According to Wells Fargo, I need to pay them $ XXXX of forbearance delayed payments by XX/XX/XXXX. If I do not, they will require me to pay the full amount of my property loan and could push me into foreclosure. 

This provides me with only 7 days from when their investigation is complete about whether I owe them $ XXXX or not until when the $ XXXX would be due. I have called Wells Fargo to request they accelerate their investigation or postpone the XX/XX/XXXX deadline. They said they could not do either. 

While I believe the investigation will be found in my favor, it is not possible to move a large of funds from one account to another in that short of time. This ridiculously short timeline that Wells Fargo has created is putting me into an impossible financial situation. Furthermore, it is positioning me for additional credit damage, and is putting my family 's only home at risk. I made on time payments for my entire 25 year credit history, and did not have one negative mark until Wells Fargo did this to me. This is another predatory example of their program, and it is unethical.

Attached is a letter from the investigator at Wells Fargo, and the notice of what they say I need to pay by XX/XX/XXXX.
Product: Debt collection

On XXXX Lvnv funding llc opened a XXXX.Acct. # XXXX. XXXX $ I have never signed any written document saying that i owe this debt to the collector.They are violating my rights of the FCRA as a consumer.I do not know who they are and have not written consent from my end.Also they have not verified that i owe this debt to this alleged company.Please have this removed from all three credit bureaus. XXXX XXXX
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$130.00} XXXX XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX Bankruptcy XXXX Date Filed/Reported XX/XX/
Product: Credit reporting or other personal consumer reports

During the XXXX of 2019. I had check stolen. I also misplaced or lost a bank card. Another card had expired. Looking back on this I think its fraudsters. 
I was getting emails from Them and I looked into it. I had also had the same thing happen to me from another card company. My wife thought someone committed fraud on us.
Product: Debt collection

I have been trying to contact this company for the longest with trying to resolve this issue. They would never answer the phones ; I have also sent them plenty of letters at address XXXX XXXX XXXX XXXX, XXXX, PA XXXX and I also have been calling telephone number ( XXXX ) XXXX. When they first begin to call me I use to get people yelling through the phone telling me that my credit will stay bad if I do n't settle with them now. I would get calls back to back to back but now the phones call have stopped.
Product: Credit reporting or other personal consumer reports

in response to complaint XXXX, Extra failed to honor its own terms of services and have violated my privacy. It did not provide me with any authorization to share my nonpublic information. XXXX is not an affiliate of Extra card and therefore have violated me according to privacy act of 1974. As a financial institution I am opting out per 15 USC 6802-6805.
Product: Credit card or prepaid card

I received a promotional gift card from Citi for a XXXX tires purchase made in XX/XX/XXXX. The promotion provided an {$80.00} prepaid card with the purchase of a new set of XXXX tires. I received the card in late XXXX / early XX/XX/XXXX. Unbeknownst to me, the card had an expiration date of XXXX. The card was packed away in a move and later realized to be expired. I contacted Citi on XX/XX/XXXX to request a replacement, as I have done with other prepaid cards that did not have an expiration date. Citi informed me that the card had already expired and the {$80.00} balance on the card had been " forfeited. '' I have now learned that promotional cards are not protected under the CARD Act, like I had understood gift cards to be. This is another way for corporations to " legally '' steal from working people and it is shameful. It is certain that many other people are being taken advantage of in this way. I would like for Citi to pay what they owe to me and other mistreated consumers. I also implore CFPB to encourage legislation to protect consumers by including prepaid cards and other forms of circumnavigating the CARD Act into law.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX, I purchased a copy of my XXXX, Experian, and XXXX credit reports. Upon obtaining my reports and reviewing each report, I noticed a great deal of inconsistencies and inaccuracies on numerous accounts. I then reached out to each of the credit bureaus on XX/XX/XXXX via USPS certified mail ( priority ) with my personal identification information ( Driver 's License, SSN Card, & Bank statement ) and a letter asking for an investigation to verify/validate the accounts and the information reported on each report to ensure 100 % accuracy. In accordance with the Fair Credit Reporting Act, 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), all information reported must be 100 % accurate. I received notification from the bureaus that the accounts were verified and accurate. However, I recently ( XX/XX/XXXX ) purchased another copy of my credit report of all 3 bureaus and there are still inaccuracies and inconsistencies.How could this be possible if the credit bureaus indeed completed a complete and thorough investigation? It is my belief that these accounts were not properly investigated. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), credit bureaus are required by federal law to verify - through the physical verification of the original signed consumer contract any and all accounts posted on a credit report. The credit bureaus failed to provide me with any information regarding the verification of these accounts. I have since sent another request to each credit bureau via USPS Certified Mail ( priority ) regarding this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information in my file. I recently received a copy of my XXXX credit report. The credit report showed credit inquiries that I dont recall authorizing. I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. The following credit inquiries are related to none of the aforementioned permissible. 

The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order The following credit inquiries are related to none of the aforementioned permissible. 

XXXX XXXX DATE OF INQUIRYXXXX XXXXXXXX XXXX XXXX DATE OF INQUIRY XX/XX/XXXXXXXX XXXX XXXX  DATE OF INQUIRY XX/XX/XXXX XXXXXXXX XXXX XXXX DATE OF INQUIRY XX/XX/XXXX XXXX DATE OF INQUIRY XX/XX/XXXXXXXX XXXX XXXX DATE OF INQUIRY XX/XX/XXXXXXXX XXXX XXXX DATE OF INQUIRY XX/XX/XXXX XXXX XXXX  DATE OF INQUIRY XXXX, XXXX XXXX XXXX DATE OF INQUIRY XX/XX/XXXX XXXX DATE OF INQUIRY XX/XX/XXXX XXXXXXXX XXXX XXXX  DATE OF INQUIRY XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  DATE OF INQUIRY XX/XX/XXXX XXXX PRE DATE OF INQUIRY XX/XX/XXXXXXXX XXXX XXXX-DATE OF INQUIRY XX/XX/XXXXXXXX XXXX XXXX
Product: Credit reporting

A few months ago I requested my credit report from Experian. I got back this letter from them telling me that they received something that looked like fraud. I did n't get a chance to call them right away and I honestly thought it was some kind of mistake so I just went online and got my report from some website instead. 
I ended up filing some disputes because there was incorrect and incomplete information on my credit report. So I prepared a nice letter and sent it with a copy of my driver 's license, proof of my social security number and proof of my mailing address so that Experian would be able to verify my identity. 
It has been at least 2 months since I mailed my letter and I have n't heard back. When I try calling their XXXX number they want a report number before I speak with an agent and since I do n't have one I ca n't speak to anyone. 
I thought that the credit companies had to respond back to me within 30 days otherwise they are supposed to remove things from my credit report?! 
Well it 's been way more than 30 days and all of the stuff I disputed is still there. I know I can go online and buy a credit monitoring service and try to dispute things online but I thought that Experian is supposed to help me for free! 
I 'm at the point where I 'm done wasting time and need to get this fixed immediately.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I initiated a XXXX $ XXXX  transfer ( via ally bank ) to XXXX XXXX ( XXXX XXXX  ). 

By XX/XX/XXXX Ally Bank XXXX XXXX XXXX  had the {$300.00} transfer. I contacted ally bank and my recipient of the transfer contacted her bank. Her bank which is XXXX XXXX stated that the transfer was rejected on XX/XX/XXXX. 

Ally bank which is my bank gave me nothing but a run around. Ally stated that they had no liability for the transfer because on Ally Banks side, the transfer was complete. 

On XX/XX/XXXX XXXX XXXX  told XXXX that because the funds were rejected Ally bank should know exactly where the funds are. I again called Ally bank on XX/XX/XXXX and they stated that they had no idea where my money is. At that point, I stated that I would give them 24 hours to produce an answer and if they did not produce an answer than I would send this information to the proper authorities as a complaint. 

It is now XX/XX/XXXX and I do not have an answer as to where my {$300.00} is.