23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

The last wire that I am aware of that came into my Citizen 's account was for {$51000.00}.

After this wire was received for a job I was to complete, the owner of the wire became upset that I didn't complete his job on time when actuality, there were delays and he was informed in plenty of time about them.

He decided to get back at me and called the wire back, saying I was not the intended recipient of the funds, which clearly they were as my information was on the wire. 
XXXX at Citizen 's Security was extremely rude to me, telling me I am a fraud and that all the wires coming in were going to go back to the original owners. 
The owner of the {$51000.00} admitted his fault to me but said he wouldn't admit it to the bank so I take the fall. 
I already had contracts for those funds to complete jobs for them! 
She said the account will be closed and I will eventually get my balance back but the wires were being returned to the original senders. 
Clearly, that is not the case because I still have notifications turned on for the bank account and I receive notifications every single day, that there is a balance in the account. 
This has been ongoing since the account closure a 2 months ago. I have left messages for XXXX, both phone calls and text messages and she refuses to act like an adult and get back to me. This is childish and I have done nothing wrong! 
I have been accommodating with my time and any information to get this rectified. 

I now need your help to find out if the funds have been returned to their original senders, or if I can obtain a cashier 's cheque for the entire balance and be done with them. 

I await your response. 

Respectfully, XXXX XXXX XXXX I am a XXXX citizen that has a XXXX XXXX XXXX XXXX XXXX XXXX XXXX and held both a business account and a personal account with Citizen 's bank at XXXX XXXX XXXX XXXX. XXXX XXXX, NY XXXX. 

The investigation number Citizen 's Bank gave me is XXXX I would really appreciate your help to provide closure on this so I can move on. I can be reached at XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I purchased a Vehicle at XXXX XXXX in XXXX New Jersey. I was approved by XXXX XXXX XXXX XXXX I signed the paperwork and toke the car home after driving for a few miles the car was shaking toke the car back to the dealer. 
They attempted to repair the vehicle I picked up the vehicle and it still had problems so I return back to the dealer to try to fix the problem again. I receive a phone call that the vehicle was fixed again I pick the vehicle up and drive it the vehicle still has problems so for the 3rd time I take the vehicle back to the service department at the dealer and told them unless they can correct the problems I do not want the car, that was on XX/XX/2019. The service department called a couple days later stating that the car was fine they couldn't see anything wrong with it so I told them I do not want the car and I'm not picking the car up they can have it. 
Sometime in between all this adventure I received a letter from XXXX XXXX   saying welcome to XXXX XXXX I texted the dealer and asked what was going on I did not sign any paperwork with XXXX XXXX. I received no answer or explanation so I proceed it to contact XXXX XXXX and notify them that I have no contract with them. 
After going back and forth with bank and getting nowhere I requested a copy of the paperwork that they approved the loan on. After receiving the copies of the paperwork I noticed the contract had been modified scratched over XXXX XXXX XXXX and handwritten XXXX XXXX by hand that is not a binding contract and the fact that the car was in possession of XXXX XXXX when the loan was originated. 
I want to make sure that they don'y do this to anyone else as I'm still trying to correct my credit report as XXXX XXXX reported me as late payments and written off loan that ended up been paid by the dealer XXXX XXXX. This has cause me to have credit cards closing my accounts and my credit score going form XXXX to XXXX this has ruined my life it toke me 20 years to get my credit to where it was and a company committing fraud to ruin my credit. This is not fair XXXX XXXX and XXXX XXXX should not be allowed to do what they have done. 
Any help would be appreciated. 
Thank you
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX il XXXX XXXX XXXX XX/XX/XXXX **TransUnion** XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX **Subject : Dispute of Unauthorized Credit Inquiries- Identity Theft** Dear TransUnion, XXXX, and XXXX, This letter is to formally dispute unauthorized credit inquiries that have appeared on my credit report with all three bureaus. I have recently discovered multiple inquiries from [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ]. I did not authorize these inquiries and believe this to be a form of identity theft. 

I request that you immediately investigate these inquiries and remove them from my credit report. I have attached copies of [ List any supporting documentation, such as a police report or fraud alert notification ] to support my claim. 

Please provide me with confirmation that you have received this dispute and an update on the investigation for each of my credit reports. I am available to provide further information or documentation as needed. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was checking on my credit report. I noticed some inquiries that was not authorized. I talk to credit bureau no ones remove this inquiries from My credit report. I need u to check and see wats goin on. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I'm writing to report an unauthorized transaction on my account. On XX/XX/XXXX, between XXXXXXXX XXXX XXXX XXXX XXXX, a total of {$900.00} was stolen from my account by $ XXXX XXXX. 

The transactions were as follows : - {$450.00} ( first transaction ) - {$450.00} ( second transaction ) - {$4.00} ( third transaction ) These transactions were made without my permission. At the time, the security feature requiring a PIN had not been implemented. 

Please assist me in resolving this issue and recovering the stolen funds. 

Thank you 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 {$2600.00}, {$4500.00}. 
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. 

-- OPEN ACCOUNTS -- 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2600.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4500.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has changed my name to a name that is not mine on my credit report without any legal documentation in that name on file. They are refusing to change it back without me submitting multiple forms of ID. And refuse to acknowledge their error.
Product: Debt collection

The physicians that they claim I saw do not exist as a group. I called the phone number and wound up on the phone with XXXX XXXX who stated it was the janitors room and they receive the same call every day, several times a day. I believe they are fraudulent and the debt they are stating I owe, if it is real, should have been processed through XXXX. I believe they cant process it through XXXX  because the original debt does not exist.
Product: Debt collection

On XX/XX/year> while reviewing my consumer file / credit report i noticed XXXX separate accounts for debt by LVNV Funding LLC c/o Resurgent Capital Services XXXX XXXX XXXX XXXX. XXXX XXXX. Iam unaware of these debts .I was not given an opportunity to examine these information about these debts. If in fact LVNV Funding believe I was given proper notification of these debts please send the certified receipt with my name and signature on it
Product: Checking or savings account

Hi, I have an account with SYNCHRONY or SYNCHRONY BANK, High Yeild Savings account. I placed a request to do Wire Transfer money on XX/XX/XXXX Monday evening, but today XX/XX/XXXX close to XXXX CST, still Bank not started this wire transfer request. I called and talk to their multiple accounts managers and non of them have any clue what is going on. I don't know why they are not completing this wire transfer request or not even started yet.
Product: Mortgage

I have contacted Amerihome mortgage on numerous occasions by phone and email regarding our escrow account. We refinanced our home last year and the loan was purchased by Amerihome. The property tax was estimated at closing at {$2600.00} which is twice the actual tax. The taxes paid by Amerihome in XXXX of XXXX were {$1300.00}. Since escrow was overfunded, we received a refund of approximately {$680.00} for XXXX. The problem is they continue to use the {$2600.00} estimate for XXXX, which is inflating the escrow account again. I have provided the appraisal districts estimate of our tax for XXXX which is {$1300.00}. Our county freezes taxes at age XXXX. I have also provided documentation for our appraisal district which shows the XXXX exemption and describes the exemption, proving that our taxes will not increase. Amerihome refuses to reduce the escrow due to collection for our account. To add insult to injury, they INCREASED the escrow payment due to a {$400.00} increase in property insurance, but refuse to decrease amount collected to taxes.
Product: Credit reporting or other personal consumer reports

On all three of my credit report I have multiple inquiries that doesnt belong to me I have placed a fraud alert on my accounts all ( XXXX ). I only should have XXXX XXXX XXXX, XXXX XXXX, and nothing else I have all types of inquires that doesnt belong to me and I would like to be removed and deleted this is taking a toll on my credit. I have reached out to all three ( XXXX ) bureaus and nothing has changed.. I have repeatedly contacted all three bureaus to update my credit reports and nothing has happen this is overwhelming and is also giving me XXXX.
Product: Checking or savings account

I have been a customer of chime for almost XXXX XXXX. I recently received an alert that my card was used at a gas station XXXXXXXX XXXX away while I was at work. The charge was for {$120.00}. I immediately alerted chime and the gas station : I was told by chime that the charge needed to go through before I could file a dispute. XXXX XXXX XXXX the charge went though and I filed a dispute with chime. I provided my time card which showed I punched into work at XXXX and punched out at XXXX. I also provided a map showing how impossible it would be XXXX XXXX almost XXXX XXXX from work to put XXXX in gas on my card at a location almost XXXX XXXX away. They however rejected my dispute XXXX XXXX later. I provided additional documentation proving it would be impossible to make those charges and how it was indeed fraudulent. Chime refused to investigate and repeatedly denied my claim. I called several times and several times had a scripted and unhelpful conversation with representatives that were very evasive and unhelpful. I am furious that after I provided more than sufficient documentation of being XXXXXXXX XXXX away at work they continued to deny my claim. They are allowing thieves to continue to making fraudulent charges by not actually investigating the facts and indeed, victimizing me XXXX  by not siding with me after I was robbed of money via card fraud. After about XXXX calls and XXXX emails of providing proof of being defrauded, I called and closed my account. Never in my life have I ever been treated so shabbily and received such bad customer service and to boot, Im out {$120.00} while a thief gets a away with fraud. Chime needs to be shut down or regulated.. its absolutely shameful
Product: Money transfer, virtual currency, or money service

I bought XXXX XXXX on XX/XX/year>. I forgot the account and was sent a letter telling me it is abandoned property if I don't log in. I had to change my phone number to verify myself and reset my password. I changed my phone number with the authy verification that I was told would do the verification in the background. I am getting the reply " thank you for your cooperation '' an no reply for days.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX : The past due amount reported is incorrect, please delete.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. This account must be validated by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Recieved a notice from all 3 credit reporting agencies about a debt from Cavalry Portfolio Servic. Cavalry Portfolio Servic  did not send any notice to me. They open a collection account on all three credit agenices. I tried to dispute the debt through the credit agenices as this company never provide any information to me nor gave me a 30 days to dispute the debt.
Product: Payday loan, title loan, or personal loan

Reference Complaint No. XXXX ( Navy Federal Credit Union ) Navy Federal Credit Union sent me an amortization schedule for my loan which was not my request. 

As there is a $ 1,999+ balance on my loan although all the scheduled payments have been made and the loan has matured, I requested the following information : 1 ) The " late charge '' total represented in the remaining balance 2 ) The total amount of interested represented in the remaining balance 3 ) Whether NFCU has charged me interest on their late charges 4 ) Whether NFCU has reported the late charges ( their profit ) to the credit bureaus as late payments I think I have a right to get this information and the amortization schedule they sent does not list items 1-3. 

XXXX XXXX XXXX XXXX
Product: Mortgage

In XXXX of XXXX my wife and I separated and during that time I was faced with great financial hardships. In XXXX I was faced with unemployment due to injury as well as suffering mentally with depression. The loss of income resulted in a default on my mortgage as I was financially unable to pay. Since then, I have taken the time to rehabilitate myself spiritually and mentally and continuing to rebuild myself financially with the necessary resources. My family and I will be returning to occupy our home as a family. I am hoping for my family and I to be able to reside in our home without facing foreclosure. I am a military veteran of the United States XXXX XXXX and I am working with the wounded warriors project to rebuild my financial health. 

Currently, my mortgage was placed in forbearance when it was bought by your company from XXXX ( who bought it from movement mortgage ) due to my unemployment status. It is to my understanding the forbearance currently in place will come to an end XX/XX/XXXX. I am requesting to extend this forbearance XXXX days ( XX/XX/XXXX ) as that provides time for me to not only begin making my monthly payments that are due as well as catching up on the past due on my loan and providing a peace of mind that my home will not be foreclosed during this time of me diligently working hard for redemption.
Product: Debt collection

This company has violated my consumer rights by placing a collection on my consumer report without validating the debt with me first as I did not endorse a contract with AMSHER. This has defamed my character by attempting to collect an alleged debt and reporting it to consumer reporting agencies. I did not give this company my information nor authorization to use my information. Additionally this is a notice to cease all communications as stated in the FDCPA which states a debt collector can not communicate with a consumer directly or indirectly on any medium. Of course that includes credit reporting since that is an indirect medium. The following is an additional federal law that they broke. XXXX. TRANSFER OF INSTRUMENT ; RIGHTS ACQUIRED BY TRANSFER. Primary tabs ( a ) An instrument is transferred when it is delivered by a person other than its issuer for the purpose of giving to the person receiving delivery the right to enforce the instrument. ( b ) Transfer of an instrument, whether or not the transfer is a negotiation, vests in the transferee any right of the transferor to enforce the instrument, including any right as a holder in due course, but the transferee can not acquire rights of a holder in due course by a transfer, directly or indirectly, from a holder in due course if the transferee engaged in fraud or illegality affecting the instrument. ( c ) Unless otherwise agreed, if an instrument is transferred for value and the transferee does not become a holder because of lack of indorsement by the transferor, the transferee has a specifically enforceable right to the unqualified indorsement of the transferor, but negotiation of the instrument does not occur until the indorsement is made. ( d ) If a transferor purports to transfer less than the entire instrument, negotiation of the instrument does not occur. The transferee obtains no rights under this Article and has only the rights of a partial assignee
Product: Debt collection

XX/XX/2020 I made a complaint XXXX-XXXX  to verify that the report of {$490.00} is valid and owed to Bureaus. The company responded by sending statements to prove validity. I request that the company review the attached letter and state their validity to collect this debt using the federal regulated laws to prove ownership.The Bureaus can not prove ownership of an account by submitting itemized bills. I must have written verification of whom verified the account and a contract bearing my signature.
Product: Debt collection

Company assessed interest to the total amount Principal was XXXX Interest on top of was XXXX This debt is 7.5 years old
Product: Credit reporting or other personal consumer reports

Reviewed my credit report and saw a payday cash advance that isnt mine. I then drafted a letter and sent via US mail for a request for removal.
Product: Debt collection

Lawyer for the debt collector never served the defendant. Moreover, they only sent a letter of judgement from the court without the judges signature. Upon looking up the case in the state database, there has not even been a scheduled hearing let alone a judgement.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of fraudulent accounts and inquiries from my credit report pursuant to the provisions of 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). I am a victim of identity theft as a result of a data breach, and I have identified several fraudulent items on my credit file that I did not authorize. 
The details of the fraudulent accounts are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Paid a garnishment against my wages for a car loan and the company Credit Acceptance is still reporting to the credit agencies that I have missed 8 payments
Product: Credit card or prepaid card

I was welcomed to use a small denomination on a Self credit card As I was XXXX for a long time I called the customed service line while in the XXXX to arrange a payment The representives I talked to refused to assist in effort to submit payment and refused to acknowledge that as I formerly had mobile App access and lost everyhing through local exploitation and refusal of law enforcement to comply with law that arrangement on personal account on App had already account reference for payment
Product: Credit reporting or other personal consumer reports

I was looking at my report and notice there were some things that was not correct, I sent a letter to Experian on XX/XX/2023. But it has been more than 35 days since the credit bureau has responded. Thats a violation of 15 USC 1681i ( a ) ( 1 ) ( A ) Under 15 USC 1681i ( a ) ( 1 ) ( A ) Subject of subsection ( f ) and except as provided in subsection ( g ), if the completeness and accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the 30 days period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.