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

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$3100.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  XXXX : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX.
Product: Credit card or prepaid card

On XX/XX/XXXX I had to cancel my XXXX XXXX XXXX Credit Card because this company started charging late fees, stating that I had not paid my payment on time, however, I had always paid this bill on the same time period since I had the card since XXXX, then I had to start paying card by sending certified mail. This did not end charges, so I discontinued my card. I did send letter of complaint to company regarding these mistakes, and they did refund my late charges. Now, however, on my XX/XX/XXXX statement they raised my interest rate from 11.99 % to 12.24 % with no prior warning, so I missed this increase on this statement. On my XX/XX/XXXX statement I caught the interest rate increase. Called XXXX  XXXX XXXX XXXX and spoke to customer rep who stated that they were allowed to increase my interest rate. I told rep I thought this may be illegal, as I could not understand how interest rate could be charged at different amount than what you paid at time you purchased the item in the past. This card is closed, and I have not used this card since XXXX. I am paying this card off and have never missed any payments on this card. Should my interest rate still be 11.99 %?
Product: Checking or savings account

They refunded me multiple unauthorized charges but are refusing to refund all the other charges that were unauthorized by me for the same vendor. The charges were most likely someone from outside my home that knew my venmo information at the time. I would like the amount given, refunded back to me. 

I immediately reported the disputes and canceled my debit card and did all their required steps to report the charges. 

Went refund me some of the charges but refuse the others when they were all from the same vendor?? 

They refuse to fulfill my requests and are dragging it out. I've filed a complaint with the XXXX  for their area and the XXXX  stated they haven't responded. 

Please request they refund the charges which total {$1800.00}.
Product: Credit reporting or other personal consumer reports

XXXX XXXX fraudulent credit card take over and credit card FRAUD still on EXPERIAN illegally. 
Attached again is my Report FRAUD to the FTC and FTC Identity Theft Report. 
and XX/XX/year> letter to XXXX XXXX XXXX XXXX. 
XXXX XXXXXXXX SCAM to post negative info on my CRA 's.
Product: Debt collection

I received a letter of settlement. I called and asked if the settlement offer was still available. My husband was a 100 % XXXX US Vet, service related because of agent XXXX exposure. He was in ICU for XXXX days and then died. I had not replied to the settlement letter originally because I was spending all my time trying to save my husband in the hospital or at the VA making sure benefits were filed properly. The person I spoke to said if I paid that settlement that day, then the debt would be settled. She wanted me bank info on the phone. I asked if I could do it online and she said yes. I went online and paid the full amount of the settlement. Then I received a legal summons- the process server was intimidating and threw - not handed - but threw the summons in my face. The summons made no mention of the settlement or the amount already paid. I immediately called the law firm. After being placed on hold again and again, I was told no payment was ever made, that I was not truthful and the only way to resolve this was to make the full payment - more than what was owed. I had a huge fight with this individual ( XXXX XXXX ) before he agreed that they had received a large portion. But then he proceeded to insist no settlement letter was ever sent to me and I never spoke to anyone at the firm. He again pressured me to pay, nothing would happen with the summons until they had the full amount. Finally, he agreed to honor the settlement. He should have been required to confirm this in writing. He said it would take XXXX days. Because I had nothing in writing I began calling after XXXX  days. No one returned the calls. I finally reached a human being who said he was only interested in debt collection, NOT answering my questions. This seems to be their XXXX to harass people to pay, without even confirming the amount or the circumstances. I then had to fight and fight again, first to confirm the debt was settled, then to confirm they had dismissed the summons. But I still have nothing in writing. They should be required to provide this same day by email if requested. Why should consumers have this threat hanging over them, and not know if this firm will behave legally, afterall, the first promise was not kept. There needs to be a higher standard that they are held to and in cases where they fail to meet business ethics, everything regarding the debt should be struck from the consumer credit report. Afterall, we can not keep this on their record for 7 years so they can get away with repeated bad acts. If corporations find out they have a bad record for 7 years it impacts their business. If you are willing to accept the concept for consumers, then apply the same when they do not act accordingly.
Product: Money transfer, virtual currency, or money service

I filed a previous complaint against this company with CFPB. I have been attempting to withdraw my funds since XX/XX/XXXX but cashapp will not let me access them. They closed my account XX/XX/XXXX and the system blocks all my attempts to recover my money. CFPB got a response from " XXXX XXXX '' of the company telling me to sell my XXXX ( I had already done so ) and cash out with a new bank account. The system will not allow me to link a bank account or debit card and blocks my cash out. CFPB closed my complaint but I still can't get my funds. I found a phone number for help XXXX XXXX XXXX XXXX XXXX ) and spoke with XXXX who told me she couldn't help me, that I should contact cashapp support through the app. I have done this dozens of times with no response. My original complaint # was XXXX.
Product: Debt collection

I have sent Identity Theft Reports, a Police Report, two forms of identification, a copy of " Notice To Furnishers of Information Obligation : Obligation of Furnishers Under the Fair Credit Reporting Act ( FRCA ), 15 U.S.C.1687-1681y information and letters to the collection company ( Perfect Collection LL ) and nothing has been done to remove this negative information from my credit report for XXXX. Their claim is that I owe {$4300.00} to a company name XXXX, who sold this debt to Perfect Collection LL. This company has refused to acknowledge that the information they have clearly shows it is not my signature ( or name ) and I did not authorize whatever that company says service was given on my behalf, and I have not authorized anyone to use my information. I also will be reaching out to an attorney if this doesn't get the matter resolved. All the information listed above was sent to the company on XX/XX/2019, and I should have had a response by XX/XX/2019.
Product: Debt collection

I was contacted by XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) regarding a collection for a loan from XXXX XXXX XXXX . They stated the amount owed and gave me the settlement amount. I made arrangements and paid the full amount in XXXX. Now I am being contacted by Allegiant Capital Recovery ( https : //www.allegiantcapitalrecovery.com/ ) regarding the same loan and they state that I still owe. I have contacted XXXX XXXX  XXXX and XXXX XXXX, a representative of the company, stated that they would send a cease and desist letter to Allegiant Capital Recovery and assured me that this debt is not owed. This debt was paid off in XXXX. I have proof that I paid XXXX XXXX XXXX for the debt. The loan from XXXX XXXX is so old I can not even remember when the loan originated. I am getting called daily by Allegiant Capital Recovery. I will attach everything I have received from both entities. I had also previously received calls in XX/XX/XXXX from a separate company called XXXX XXXX XXXX. Those calls did stop.
Product: Mortgage

On XXXX, XXXX, XXXX of 2024 ( last week ) I used loan payoff instructions provided by my lender, at their web site, mrcooper.com ( Nationstar Mortgage dba Mr Cooper ) to pay off my loan. After the first payment was rejected I worked with my sending bank to ensure that I had typed everything correctly and that the wire was sent. They assured me that the wire was received at Mr Coopers bank but inexplicably sent back with no reason or explanation. I then called Mr cooper and was advised to try again. I did so, this was also accepted and then sent back the same day. After a number of hours on hold and on the phone with Mr Cooper, I tried a third time on XXXX. This was also sent back. At this point, I have a case number from the lender, but have received no response. Additionally, interest is accruing that I should not have to pay.
Product: Debt collection

Portfolio recovery llc XXXX XXXX XXXX, XXXX, VA XXXX. Disputed item on credit report. They sent me a letter dated XX/XX/2018 which stated account would be removed from my credit report. That did not happen. Instead they listed a different amount and re-aged it. I believe this is illegal.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : Incorrect Address - 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
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX : XX/XX/XXXX : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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 a personal mobile phone account opened at XXXX XXXX on XXXX, XXXX under the account number ( XXXX ) with a balance of ( {$3200.00} ). This account have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Consumer Loan

When you log-in to State Farm Bank 's online service, there is no option to view your vehicle loan 's accumulated interest. This is the interest that builds up, over time, which you still owe the company. Because of this, you are unable to know at any given point the total amount of money you owe the company, if payments are being properly applied, or if they are computing the interest rate properly. From a consumer standpoint, this is an overwhelming disservice.
Product: Student loan

I am taking unpaid time off because I am getting ready to have a XXXX. I have filled out all appropriate FMLA paperwork to cover my job and myself during this time. I called today to see about temporarily suspending my payments while I am on XXXX  leave and was flat out denied on the spot. I am actively looking into suing Navient ( still Sallie Mae, a name change wont make me forget how poorly you have treated me over the years ) for how they have handled this situation. Is it even legal for them to deny me suspension of my payments when I am getting ready to have a XXXX  and am on FMLA? It cant be legal. I am seeking out legal advice now, I am hoping to have a lawsuit filed by the end of the year.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple written letters I sent to the 3 Credit Bureaus, my request for proper verification and deletion of the fraudulent information on my credit reports has been ignored. The last letter I sent to XXXX, Equifax, and XXXX Credit Bureaus was dated XX/XX/XXXX, but no Response was ever received from them. I have reviewed a copy of my updated credit reports and it is clear that the Credit Bureaus have ignored my requests. Their willful non-compliance has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following Fraudulent Information listed below are still reporting on my credit report and have caused a large decrease on my credit score. I am hoping that you may be able to help me and have these items deleted as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$0.00} Date opened XX/XX/XXXX -late
Product: Credit reporting, credit repair services, or other personal consumer reports

First Advantage located at PO Box XXXX, XXXX, IN XXXX has performed a background check for a job I am onboarding to. There is erroneous information relating to a previous address I never lived at. 

This needs to be investigated. I fear fraud might be in play.
Product: Credit reporting or other personal consumer reports

VALIDATION AND CEASE AND DESIST Collection agency name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, TX XXXX Account number : XXXX Your NAME : XXXX XXXX Your address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following i nformation : 1. The name and address of the original creditor and the current creditor. 2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 4. Proof that the original creditor securitized the debt. 5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.
Product: Debt collection

This is a complaint against XXXX XXXXEXPERIAN . My problem started when I bought a house located at XXXX XXXX XXXX, XXXX, CA XXXX. I never lived at this address, as soon as I bought it I put it up for rent starting XX/XX/XXXX. I don't know at what point someone used my name to open accounts at different banking entities, they also opened accounts with XXXX XXXX without my consent. I contacted XXXX XXXX XXXX about this loan/but they didn't give me any information about the account. They say they don't have any information because the account was closed and they gave me the phone number for the XXXX XXXX XXXX department. When I called that number I asked them if they had any type of document signed by me confirming my identity or if they could verify any information about my ID that I might have on my profile. They also asked what the name and address on the ID was, where the card was used or if they could confirm which bank the loan money was transferred to and the name on the bank account. They were unable to provide me with the information I requested and would not help me confirm the identity of the account user. 
I WOULD LIKE THIS TO BE INVESTIGATED IMMEDIATELY. THE INACCURACIES ARE VERY HARMFUL TO MY CREDIT SCORE. XXXX XXXX IS LISTED WITH OVER 90 DAYS OF LATE PAYMENTS. AND THEY UPDATE THE LATE PAYMENTS EVERY MONTH, KNOWING THAT THESE ACCOUNTS ARE FRAUDULENT. They have no documents showing that I applied for the loans from XXXX XXXX and other banks pursuant to the FAIR CREDIT REPORTING ACT, PUBLIC LAW 91-506, TITLE VIE SECTION 611, PROVIDE THE NAMES AND BUSINESS ADDRESSES OF EACH INDIVIDUAL WITH WHOM YOU VERIFIED THE ACCOUNT, SO THAT I CAN FOLLOW UP. 
PLEASE SEND ME AN UPDATED COPY OF MY CREDIT REPORT AFTER YOUR FURTHER INVESTIGATION. 
I request that you remove these fraudulently opened accounts from XXXX, XXXX, and Experian. I am attaching a copy of the police report for identity theft. I attach my electric bill from XXXX and my lease from XXXX to date which confirms my address at the time of the events and I still live at the same address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX collections department sends monthly unpaid reports to XXXX, XXXX XXXX and Experian. I can't pay for something I never bought. I never signed anything. It's a fraudulent account, I tried to file complaints with. XXXX XXXX XXXX /Experian always reject my complaint these three corporations do not verify the documentation with the banking entities they only transfer what was said from the banks if bank x says the client did not pay 5 years ago they do not verify they only publish it in your credit report that harms the user terribly. I am asking for help. Please this has to stop. My credit is ruined by criminals using my identity. Never applied for a loan or a credit card.
Product: Vehicle loan or lease

I did not open this account on XX/XX/2019.
Product: Checking or savings account

I received letters dated XXXX XXXX from Wells Fargo bank notifying me the my accounts were going to be closed XXXX XXXX. 

All my account were closed at the bank,. This included 3 different business accounts, several personal checking and savings accounts for me, my wife, my mother and also a business credit card account. 

The only account that has been left untouched is my mortgage account. 

So far, despite several attempts, the bank has refused to disclose any reason for the closure,. 

I have operated these accounts way back when I initially opened them at XXXX XXXXk over 10 years ago, and these accounts were migrated from XXXX after Wells Fargo acquired them in XXXX. I have run these account with very healthy balances and operated them in good standing at all times so this really comes as a shock that the bank would treat me in this manner without providing any kind of explanation for their actions whatsoever.