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

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C 1681c-2 ) that you the Experian credit reporting agency , TransUnion credit reporting agency and the Equifax reporting agency block information appearing on my consumer report that is the result of fraud and identity theft within 4 days of you receiving this complaint. This fraudulent, inaccurate and false information consist of 1. XXXX XXXX XXXX XXXX {$2900.00} 2. XXXX XXXX XXXX {$1800.00} 3. XXXX XXXX XXXX XXXX {$570.00} 4.XX/XX/XXXXXXXX XXXX {$270.00} 5. XXXX XXXX XXXX {$110.00} 6. XX/XX/XXXX{$100.00} These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit reports maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts collections or hard inquires as reported. The aforementioned accounts collections and hard inquires appearing on my consumer report maintained by you were not opened made or initiated by me all the aforementioned accounts collections and hard inquiries are the result of identity theft and fraud. I have attached a cop of FTC Identity Theft 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: Credit reporting, credit repair services, or other personal consumer reports

I didnt authorize XXXX XXXX credit bureau unit to pull my credit files
Product: Credit card or prepaid card

I pay my bills on time every month through my online bill pay. In XXXX I made a payment on my Comenity XXXX XXXX paying the balance in full. That payment was to be received by Comenity on XX/XX/XXXX. Today I received a statement with a {$31.00} late fee stating the payment was posted on XX/XX/XXXX. I have been charged a late fee even though my bank states the payment was pulled by Commenity on time XX/XX/XXXX. Ive had to call Comenity twice to get the late fee dropped. The first person I spoke to said there was nothing she could do other than issue me a courtesy {$15.00} credit and the next person said, you have to specifically ask for something? What?!!! Needless to say, I have paid off this card and now will be canceling it. This all seems very shady to me and makes me wonder how many people they do this to and get away with it. I would appreciate all your help in investigating these matters.
Product: Credit card or prepaid card

My credit card company Citicard refuses to provide a satisfactory resolution regarding my ongoing dispute with XXXX XXXX. I had 2 dispute claims with Citicard : XXXX for {$320.00}, XXXX for {$200.00}. These disputes were ongoing since XX/XX/XXXX. Both the incoming and outgoing flights were cancelled by the airline however they refused to refund my payment despite the order from transportation.gov. On XX/XX/XXXX the claim for {$200.00} was decided in the merchants favor as the final decision by Citicard. On XX/XX/XXXX the dispute of {$320.00} was closed and decided in my favor. I am still owed {$200.00} and I am shocked and disappointed with the way Citicard is handling my dispute. I have been a loyal customer for 13 years. Citicards refusal to assist me has caused me to file this formal complaint against Citi. I hope with the help of this complaint, Citi will take the necessary action to properly resolve my issue so that additional actions are not required.
Product: Credit reporting, credit repair services, or other personal consumer reports

Would like to file complaint in regards to Transunion. They have reported things without my knowledge., or considered a dark pattern which has impacted my credit tremendously. As well as they do not update information accurately or in a timely fashion.
Product: Credit reporting or other personal consumer reports

My account is with fifth third bank. A number was called my the mortgage company which was not working. Also no one tried to contact me via any other mode. 
The account was short of money was not known, I deposited another {$10000.00} the bank and the mortgage company did not pull the funds. They just impacted my credit report. 
Asked to change the reporting as I was not delinquent. Fifth Third bank systems are messed up- Please do not give them the right to ruin the credit report in a whim. 
I am not delinquent and have a good history. Assist me please. 
XXXX XXXX On XX/XX/2023, XXXX XXXX drafted a payment in the amount of {$3800.00} out of your checking account ending in XXXX. This was to satisfy the XX/XX/2023, payment. At the time of the draft, your checking account only had a balance of {$2500.00}. As a result, your checking account became overdrawn ( {$1300.00} ). The decision was made to not pay the withdrawal, and the {$3800.00} was returned and credited back to the balance on XX/XX/2023. If a payment is returned, XXXX XXXX will automatically re-process the withdrawal. On XX/XX/2023, XXXX XXXX did attempt to draft the mortgage payment in the amount of {$3800.00}. We do show there was a deposit in the amount of {$10000.00} as well on that date. None of the funds from the deposit were made available for processing that day. As a result, the mortgage payment was returned on XX/XX/2023. A Late Payment Notice was mailed on XX/XX/2023, as we had not received the XX/XX/2023, payment. Our records show that we started to call you at the phone number ending in XXXX daily on XX/XX/2023, through XX/XX/2023, to make you aware of the past due payment. On XX/XX/2023, XXXX XXXX drafted a payment in the amount of {$3800.00} out of your checking account, which applied to satisfy the XX/XX/2023, payment. 
On XX/XX/2023, we received a payment in the amount of {$20000.00}. The payment applied to satisfy the XX/XX/2023, and XX/XX/2023, payments in the amount of {$3800.00} each, satisfied the late fee assessed for the XX/XX/2023, and XX/XX/2023, payments in the amount of {$68.00} each, and the remaining {$12000.00} was applied towards the principal.
Product: Credit reporting or other personal consumer reports

Since the year XXXX I have been a victim of identity theft as a result tp credit reporting date agency breach such as XXXX, the dark web and personal information being mailed to incorrect addresses and emails that weren't occupied by me or associated with me. There has been attempts to open credit cards, auto loans, banks, unknown bank acount activity and inquiries i did not consent or legally authorized. I have been desperately trying and fighting to have these items disputed and removed to now avail. 

Such As : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$280.00} XXXX XXXX XXXXXXXX {$12.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Reporting false and late payments after vehicle has been fully paid off.
Product: Credit reporting or other personal consumer reports

I recently discovered that my creditor failed to provide the required 21-day notice before the payment due date, along with the statement that outlines my balance and due amount. This notice period is critical because it ensures that I have adequate time to review my statement, arrange for payment, and avoid any late fees. 

Due to this oversight, I was not given sufficient time to make my payment on time. As a result, the creditor charged me late fees, and it now appears as though I did not pay my bill when, in fact, I was not given the opportunity to do so within the proper timeframe. This situation arose due to the creditor 's failure to follow the proper notification procedures, and it is their mistake that has caused this issue. 

I expect that, given this error, the creditor will rectify the situation by waiving any associated late fees and adjusting my payment record to reflect that this delay was due to their non-compliance with the 21-day notice requirement, not my negligence. 

PERSONAL INFORMATION : The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of credit report and notice several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me ensure accuracy. Here is the item that I am asking you to verify as accurate. XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I have a saving account with XXXX by Goldman Sachs. On XXXX XXXX, I transferred some money into it and opened a new account with XXXX bank on XXXX XXXX. Then I want to transfer the money to fund my new account. XXXX refused to transfer my money and wanted to keep it in their company showing no policy or regulations that I can not transfer in and out fund in 10 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I sent a request for the method of verification to Experian via certified mail. I got back an updated credit report from with before and after the dispute process no method of verification for the accounts XXXX XXXX XXXX  I requested In compliance with this method of investigation request, please provide the following : The description of the procedure used to determine the accuracy and completeness of the information. 
Name, address, and telephone number of each person contacted regarding this alleged account. 
A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 
Any automated response or e-Oscar verification is unacceptable. I am requesting a re-investigation along with your method of verification. 

At this point the tradeline needs deleted. 

I can supply all supporting documents if needed.
Product: Mortgage

XXXX XXXX XXXX I am writing to express my profound concern regarding my ongoing experience with Freedom Mortgage. As a veteran with ten years of experience, including six years XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I have dedicated my life to XXXX XXXX XXXX. 

Regrettably, I have encountered serious issues with my VA loan account, including the deduction of {$28000.00} from my funds not applied to my accoutn. Additionally, I have experienced XXXX discrimination within your company, supported by three letters I received that contained XXXX slurs. This behavior does not reflect the values of a reputable organization like Freedom Mortgage, and I find it deeply distressing.

My efforts to negotiate a deed in lieu with the company seem unproductive, and I am feeling increasingly vulnerable as it appears there might be attempts to compromise my hard-earned VA entitlement . The emotional and financial distress caused by these experiences has been overwhelming for my family and me.

I kindly request that you look into this matter urgently. I appreciate your attention to this serious issue and hope for a resolution that honors my service and commitment as a veteran.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had a installment loan with Lending USA for over 42 months and have paid on time. I have never been late on this payment not XXXX single time and have the payment receipts online to show. They are now reporting that i am XXXX past due which is adversely affecting my credit and the inability to close on a mortgage at the moment for my family. They have refused to look into this error and i need this done immediately as the records will show the payments were made sufficiently.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX bankruptcy XXXX XXXX XXXX 15 USC 1681 section 602 A. States I have the right to privacy. 15 USC 1681 section 604A section 2. It is also states a consumer reporting agency can not furnish an account without my written instruction. 15 USC 1681c ( a ) ( 5 ) section. States no consumer reporting agency may make any consumer report containing any of the following items of information. Any adverse items information, other than records of convictions of crimes which antedates the. report bu more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information ice inaccurate.
Product: Credit reporting

TransUnion failed to respond to my dispute letter and they failed to verify that these accounts belong to me before the end of the 30 days period.
Product: Debt collection

[ XX/XX/2023 ] Subject : Complaint against Virtuoso Sourcing Group LLC Dear Sir/Madam, I am writing to file a formal complaint with the Consumer Financial Protection Bureau XXXX CFPB ) regarding an issue with Virtuoso Sourcing Group LLC , a collection agency. I believe that the debt they are pursuing is not legitimate, and I am concerned about how they obtained my personal information.

Details of the situation : 1. Collection Agency Information : Name of Collection Agency : Virtuoso Sourcing Group LLC [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX ] ( XXXX ) XXXX ( XXXX ) XXXX XXXX. Alleged Debt : Virtuoso Sourcing Group LLC contacted me claiming that I owe an electric bill for an address in a different state. However, I have never lived at the provided address, and I am a resident of Texas. I believe this debt is not valid and is likely a case of mistaken identity or fraud.

3. Concerns about Information Handling : I am deeply concerned about how Virtuoso Sourcing Group LLC obtained my personal information, including my name and the last four digits of my Social Security Number ( SSN ). I have not had any prior dealings with the alleged creditor or provided my information for any such purpose.

4. Request for Assistance : I kindly request the CFPB 's assistance in investigating this matter and verifying the legitimacy of the debt claimed by Virtuoso Sourcing Group LLC. I am worried about potential identity theft or fraudulent collection efforts.

Enclosed, please find any relevant documentation and evidence that I have, including any records of communication with the collection agency.

I appreciate your attention to this matter and your assistance in resolving this issue. Please feel free to contact me at the provided email address or phone number if you require any additional information.
Product: Debt collection

This company contacted me about a debt I have no knowledge of and I feel that my consumer rights are being violated. According to FDCPA Section 807 : A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt.
Product: Checking or savings account

I am severely  XXXX, to the point that I am housebound. I won an EEOC class action suit and wanted a new bank account so I could use the funds I won from that suit separate from my XXXX income because it was to be used as investments with my sister-in-law/power of attorney. Wells Fargo had a promotion going on at the time for new customers, despite all the bad press with them ripping off customers and against my better judgment I opened the account with them and deposited $ XXXX. I started making my investments and attempted to link the account to my XXXX when it was flagged for Fraud. It has been a nightmare ever since. Wells Fargo shut me out with $ XXXX left in my account. I have tried calling their TTY number and used IP Relay several times and it never stays connected or customer service hangs up on the relay agent. I asked that the account be closed and remaining funds sent to me, I sent them a notarized request of withdrawal and account closure three times. I have written letters and contacted them via XXXX. The response is always the exact same, that I need to come in to a branch physically with two forms of ID. I have told them in every single correspondence that I am XXXX beyond the ability of coming in, if I was allowed to open the account online I should be allowed to close it online. I have sent them copies of my birth certificate, my XXXX ID, and social security number, they have proof of my address. I don't understand what the problem is. In any event they sent me a letter recently telling me that due to inactivity the account has been flagged as inactive and funds might someday be released to the state. " escheat ''. But I have no idea how long that could take or if it will even happen. It should not be inactive as I have actively been in contact with them trying to prove I am the account holder and that I want my money back now. A state notarized document and all the copies of my identity should be enough. I have a power of attorney ( sister in law ) who could go into a branch on my behalf but because she was not added to the account before it was flagged they won't release money to my power of attorney. Their ADA standards are absolutely horrendous. I just want my money, please help.
Product: Checking or savings account

on XX/XX/year> I received a call from USAA on my cell phone. It was state the person on the other end was from USAA fraud department and I asked me if was expecting a deposit of {$2500.00}. I stated i was not expecting a deposit. They said well we need to get that money moved out to prevent any further issues with the account. Long story short I saw the money and moved it ( as directed by the person call from a USAA number ) The call lasted for about XXXX minutes. I alerted USAA and they stated they never called me. Prior to the transfer to XXXX XXXX  there was a request for the transfer of funds from XXXX of my linked external account to USAA. The external account did not have XXXX and eventually was returned. USAA despite the request coming from an unfamiliar IP address. Today I was advised that I provided the XXXX time log in code to these scammers to access and login to my account. I have no idea how they figured out my username or how many times they tried to log int before it asked them for the code. This all occurred while i was on the phone with the alleged USAA Fraud Dept. Due my account is always in good standing with USAA they made the XXXX transfer request immediate available and then I followed what the " fraud '' department was telling me to move it. The transfer was returned but since I moved the money to XXXX XXXX  as indicated by the person calling from an alleged USAA number and I indicated the transfer USAA says i am being held 100 % liable for the situation. I am not sure why the money was made immediately available and why the IP address was not a flag that there was something else going on. Clearly if we they could see the locations of the IP addresses if would raise a flag that the activity was suspicious. They said they would not track down the location of the IP address. I have been a member of USAA for XXXX years and none of the activity that lined up with my physical location and daily activity pattern. Despite me allegedly providing log in codes to an impersonating USAA fraud department employee from an incoming call from USAA.. they were of no assistance. I was told I am liable for this. It has caused my account to go negative by almost XXXX and put a huge burden on my, my wife and XXXX children. I have attached a Consent Order r/t their fraud practices amongst other things.
Product: Credit card or prepaid card

So I applied for a XXXX  rewards card from chase. I got a notice that they needed more information so I called them. The woman on the phone told me that they felt I had too may credit cards. So is there a limit as to how many I can have? Who does Chase think they are to tell me how to manage my money? They never disclosed that there was a limit to how many cards I can have! Will this impact my credit report? Whats even on my credit report now?
Product: Credit reporting or other personal consumer reports

There are XXXX different dates reported under date of last activity, last verified, date reported, date opened, last payment and this means that possibly all XXXX of the credit reporting agencies are reporting inaccurate information. Where is the inaccurate coming from and why is the information not consistent? Delete for inaccuracy. Delete accounts immediately due to violating my consumer rights under the Federal Credit Reporting Act law 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ) ( B ) ( i ) ( ii ) Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors : A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

15 U.S. Code 1681e ( b ) - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

DELETE IMMEDIATELY DUE TO INACCURACY. I have attached my credit report from XX/XX/XXXX with all the inaccuracies highlighted. This complaint serves as my dispute. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX.
Product: Checking or savings account

My chase checking account was closed by chase at XXXX. Chase didn't provide me any reason or information about why my account by closed. They hold all of my money until now XXXX, I have to borrow money to pay my rent and living. I call the chase service number every week, I call them more than 20 times, and everytime they give me the same answer " back office still review your account, after they finished review your account then deicide whether they decide to release your fund. They not gon na tell you when they will finished review ''. And I also visit Chase branch for 4 times, they can't help me anyway. This has made my life very difficult and even made me afraid to open a account in any bank, because once you put your moeny in, you have no right to have your money! 

I feel like chase a bank acting is bullying the consumer, you can't fight with a bank and they don't give you any reason why they don't give you your money back. Such behavior is simply bullying consumers. I need CFPB give me some help please. 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has failed to investigate my ID Theft case within the four business days per the FCRA. I have sent there all the necessary  reports and documents.