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

After challenging the validation of XXXX on my TransUnion credit report. I notified Transunion that the original creditor has not responded to my validation request. As a result, by default XXXX is in Violation and is deem Unverifiable can not remain on my TransUnion credit profile.
Product: Credit card or prepaid card

On XX/XX/XXXX I returned from an overseas cruise to XXXX XXXX XXXX Florida, upon my arrival I rented a car and drove to XXXX Florida which is a three hour drive, once in XXXX I stopped a the XXXX XXXX ( XXXX ) and shipped 5 items to my XXXX, Maryland address this charge is clearly stated on my cards statement. On the same day minutes later someone at a XXXX at XXXX XXXX XXXX in XXXX XXXX, CA. Removed {$82.00}, 6 times in a row I was also charged {$2.00} 6 times at the time of this Theft I was attempting a purchase at XXXX restaurant which was declined even though I had an additional {$300.00}. XXXX in my account upon this problem I call XXXX and was disrespected by numerous customer reps. suddenly my account was closed and it was said i did something wrong but no one could tell me what it was. 
Finally on XX/XX/XXXX XXXX claimed to be sending the remaining {$300.00} in my account to date I have not received my money nor has XXXX attempted to fix this obvious problem and return my {$810.00}. I can not be in Florida and California at the same time. 
also my card had been replaced 4 times without my request an all XXXX did was say it was a security issue with them.
Product: Credit card or prepaid card

Im a XXXX XXXX. I was defrauded and scammed by a company that employed me. I had alerted both Citi Bank and XXXXXXXX XXXX. In addition I have filed complaints with the XXXX XXXX police, the FBI, the Department of Justice, the Secret Service I had perfect credit! 
XXXX XXXX completely understood the issues and has appreciated and treated me with dignity. Issued a new card and is working with me. 
Citi Bank, has treated me as if I was the criminal. They closed not only the account involved but my second account which was in effected. They have made false statements to the credit bureaus and are defaming my good name and credit. I even sent all of the documents to XXXX XXXX, XXXX of Citi Group in NY. She has not responded and in fact Citi continues to treat me like the criminal and fraudster. Im meeting with an attorney tomorrow. This is the short of a long saga, but I suggest people should be aware of how Citi Bank treats their customers, especially a XXXX XXXX  with perfect credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

someone staying in my home used my information to obtain credit cards and unemplyment in my name, i am a nurse and never stopped working, worked long hours, and she would get the mail, so id never see it.
Product: Money transfer, virtual currency, or money service

I purchased a car with Carvana and paid in full via money transfer in the amount of {$28000.00} but had to cancel due to their delivery policies. I cancelled on XXXX XXXX 2025 but as of XXXX XX/XX/year>2025 I have not received my refund. The Carvana rep said they are looking into why the refund has not processed since it is past the 15 business day window but there is still no solution.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I found out recently that there was a problem with verifying my social security number when I wanted to cosign a XXXX loan for my child. I dealt with the XXXX XXXX XXXX without success. 

After further investigation, I found out that I was reported as being XXXX  on XXXX XXXX, XXXX. 

I am trying to figure out : 1 ) who or which funeral home or which entity reported me as being dead over 2 years ago and 2 ) how to rectify this since I am well alive so far. 

Please offer some assistance, guidance on how to handle this issue. Thank you.
Product: Credit reporting or other personal consumer reports

SECOND COMPLAINT******I was the victim of identity theft by a former roommate, XXXX XXXX XXXX XXXX The account with XXXX XXXX XXXX XXXX XXXX  was opened fraudulently without my permission or knowledge. XXXX used my identity and had the initial card mailed to my home, which he retrieved without my knowledge, used the account, and made payment for a time without my consent or knowledge. I have completed ( attached ) an XXXX XXXX XXXX with the FTC. I have also included copies of my government-issued ID and a recent utility bill for address and identity authentication. 

XXXX XXXX XXXX is now reporting that the account is " PAID IN FULL '' TThis is not accurate because I have NEVER paid anything to this tradeline, I HAVE NOT PAID THE ACCOUNT IN FULL. This inaccurate information.
Product: Mortgage

I began two loan applications on XXXX XXXX, 2017 with XXXX XXXX XXXX located in XXXX, CA. One loan application was a purchase of a new property and the other was a refinance of an existing property. XXXX XXXX was my initial loan officer and everything proceeded smoothly until the file was sent to Underwriting on XXXX XXXX, 2017. I was told on numerous occasions that everything was 'in order ' and moving toward funding as scheduled, as I had provided all necessary documentation to the lender promptly and accurately during the review process. The lender was well aware of my scheduled Close of Escrow date of XXXX XXXX, 2017 and I was assured that nothing else was needed and that both loans would close simultaneously on, or before the scheduled COE date. A week before close of escrow, on XXXX XXXX, 2017, XXXX assured me that both loans were being Approved and closing on time. On XXXX XXXX, 2017 XXXX called me to inform me that the appraisal was 'waived ' in error by the lender for the refinance application and they were scrambling to have the refinance property appraised. I received an email for both the Processing Manager, XXXX XXXX, and the Director of Customer Service, XXXX XXXX, that they had made mistakes and that the loan process for both applications were delayed. On XXXX XXXX, 2017 I received an email from XXXX XXXX that they were making an 'exception ' and waiving the appraisal, the same appraisal that was supposedly delaying my loan to begin with. I am now 7 weeks into my loan applications and have yet to receive any decision on either loan, despite the verbal assurances that I would be approved. Not only are they in clear violation of Regulation B, but I have had to appease a furious Seller and negotiate a $ XXXX/day fine for every day that my purchase loan does not close. Now, I am in jeopardy of losing this property due to flagrant negligence and missteps by XXXX XXXX XXXX. Please HELP me save this property!
Product: Vehicle loan or lease

I have attempted multiple times and made multiple calls to get the release of my title from Westlake Financial. My car has been paid off for roughly 5 months now. The company has given me the run around and keeps transferring me to other departments because I reaffirmed this debt with a bankruptcy. I did, in fact, reaffirm this debt and paid as agreed. My bankruptcy was discharged over 2 years ago and I have since bought a home YET this company refuses to release my title
Product: Checking or savings account

To : Consumer Financial Protection Bureau Dear Sirs : My third estimated tax payment for XXXX - check number XXXX in the amount of {$59000.00} payable to United States Treasury from my personal Wells Fargo checking account ( # ending in XXXX ) - was mailed to the IRS on XX/XX/XXXX. It was stolen from the US Postal Service, altered, and fraudulently cashed by XXXX XXXX XXXX on XX/XX/XXXX. 
I was notified by the IRS on XX/XX/XXXX ( after filing my XXXX tax return ) that I owed {$59000.00} plus penalty and interest. I immediately searched my bank records and discovered the theft, which I promptly reported to Wells Fargo Bank on XX/XX/XXXX. 
I have filed a XXXX Police Dept Report ( XXXX # XXXX ) on XX/XX/XXXX and Sgt. XXXX has been assigned to the case. Their investigation is about to be launched. I also filed a report with the United States Postal Service on XXXX # XXXX being handled by Area Inspector XXXX XXXX ( phone # XXXX XXXX XXXX I am informed by XXXX XXXX that the FBI does not investigate fraud for any amount less than {>= $1,000,000}. I have not heard back from him. 
Wells Fargo Claim Department has denied my claim stating that it was not reported within thirty days of the statement date on which the check appeared which would have been the XX/XX/XXXX statement. 
This is unfair since I reported the fraud/theft promptly upon discovery. 
Despite numerous phone calls made by me to the Wells Fargo Claim Dept, they will not send me any information in their files regarding the receiving bank that cashed the check, or the manner in which it was cashed. Furthermore, they will not provide me with any information regarding what precautions/policies that Wells Fargo has in place to prevent this type of bank fraud from being perpetrated against their customers. 
In summary, Wells Fargo has ignored my request for information regarding the theft. This has and will continue to hamper further investigations to be made by law enforcement. I maintain that I reported the theft promptly to Wells Fargo and that Wells Fargo has inadequate policies in place to prevent this type of fraudulent activity. Wells Fargo Bank is liable for and should reimburse me for my entire loss in the amount of {$59000.00}. 
Respectfully submitted, XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

Original Loan was {$870.00}. I was told that if paybacks were made on time that total cost of loan would be {$1200.00} ( Im approximating ). 

I have paid {$110.00} on schedule every week totaling XXXX I though I was almost done. I call in and they say I still owe another XXXX if paid by XX/XX/XXXX. 

I do not understand the legality of a {$870.00} loan turning to a {$2000.00} loan when all payments are being made on time. This is not what I was told with the online approval.
Product: Debt collection

LVNV is attempting to collect a debt that was already paid to the credit card company. Also the credit card company is removing the debt from my account. LVNV  is definitely trying to collect on something is zombie debt and charging the wrong amount that were attempting to collect debt and they continuously keep going up.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I sent 3 dispute letters to XXXX, XXXX  & Equifax around XXXX to dispute a few items off my credit report. On XX/XX/2020, I received a letter from XXXX  only stating that the dispute does not currently appear on my report. 

I changed my legal name just started notified all agencies ( passport, social security, driver license, bank ) earlier of this year. Additionally, I have not borrowed any money or applied for any credit card ever for a long time.

I am assuming since my social security and date of birth are remaining the same, the credit agencies will have access to the same information. ( isn't that the whole point of investigating?! ) At the end of the day, I am not sure the status of my dispute with these 3 agencies. Please advise. 

Thank you, XXXX
Product: Mortgage

Thank you for taking the time to review my complaint against the builder of our home, XXXX XXXX, a subsidiary of XXXX XXXX XXXX, as well as Lennar Mortgage. This is our third new build and have never experienced the level of negligence, inattentiveness, and overall incompetence that Lennar has exhibited.

We purchased our home for {$460000.00} which was approximately XXXX XXXXXXXX over asking price and were forced by Lennar to close on the house on XX/XX/26 or else Lennar mortgage was going to extort more money out of us to keep the rate locked. They already did it once prior by delaying our close and making us pay to extend the rate for the XX/XX/26 closing. In addition, they scheduled the walk-through only minutes before closing, forcing me to rush through or risk miss closing. As a result, there were items that I had to follow up on incessantly to get addressed after closing. Nonetheless, it is now exactly two months later and we havent received our shower enclosure, nor any date for its delivery. This is only one facet of the XXXX Lennar has put us and many others in our neighborhood through. Nonetheless, we just want a complete home or, at a minimum, proactive communications from them as to a date for an install. Also, whoever issues the local certificates of occupancy should be investigated as there is clearly either a break in the system or there have been bribes/payoffs from Lennar. Theyve delivered countless incomplete homes that range from highly inconvenient to 'hazardous-to -- occupy '. Ours was latter until approximately 45 days after close. 

Needless to say, their ( in ) actions continue to result in emotional distress to both my wife and I. We appreciate anything you can do to help bring resolution to this matter. 

Regards, XXXX XXXX
Product: Credit card

On XX/XX/2023 Truist ( LightStream ) opened a Credit Card Account in my name with my SSN, fraudulently. I never authorized or applied for that credit card account. The balance is over {$15.00}, XXXX. This violated my consumer rights as they issued credit in my name without my authorization or consent. I have credit freezes and fraud alerts on all three on my major credit reporting agency accounts - no new credit should be able to be issued in my name. 

On XX/XX/2023, I was notified by a credit monitoring service that someone was applying for credit in my name at LightStream. I immediately called their call center for fraud. They were able to positively identify me with my SSN, name, DOB. I told them that someone was trying to open an account in my name. I told them this was fraud. They were able to locate the account, and verified that someone had used a Fraudulent phone, email, and home address to open a credit application. They said they would flag the application as fraud and close it- but they never did. This also violated my rights as a consumer, as when I notified them ( LightStream/Truist ) that this was a fraudulent application, and they positively Identified me, after I told them this was fraud and wanted this application closed, they never closed it- thus exposing me to the risk of credit card fraud. 

The account opened XX/XX/XXXX. 2023 is a direct result of them not closing the fraudulent application for credit, of which I notified them on XX/XX/2023. 

This is abusive, reckless, and fraudulent.
Product: Credit reporting, credit repair services, 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 items ( A ). It is not permissible to fail to validate these reporting items 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 corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$350.00} 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: Credit reporting or other personal consumer reports

Fraud accounts being relisted in violation. Please block all fraud accounts and related inquiries per FCRA, XXXX XXXX and CFPB unless you can provide verification of original signature. XXXX XXXX  XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, UD DEPARTMENT OF EDUCATION XXXX  {$1500.00}, XXXX XXXX XXXX Charges filed XXXX XXXX ORIGINAL POLICE REPORT attached, address, emails, current bank statement, FTC, supplemental police report and ID attached for verification thank you
Product: Debt collection

I have repeatedly requested this company cease contacting me via phone, text, email, calls to family, friends, my place of employment, automated phone calls from them to any of these entities, etc. I have made clear my request and that they ONLY contact me through mail and have verified my mailing address with several times. Since the previous complaint I filed with you on XX/XX/XXXX I have received 2 calls on my cell phone and spoken to someone who identified themselves as a manager when they called me at my place of employment on XX/XX/XXXX. She assured the calls would stop immediately. I am still receiving calls from this company as of yesterday, XX/XX/XXXX at XXXX PST on my cell phone.
Product: Debt collection

XX/XX/XXXX XXXX I received a call in XXXX of XXXX stating I owed a balance. Per credit laws I immediately asked for a validation of debt as I knew I never lived at the property the balance was for. I never received validation of debt for 7-8 months of going back and forth with the debt collection agency IQ Data International. At 8 months on a recorded call they lied and said they had an electronic lease. I informed them please send validation because if there are signed documents with my name this is fraud. They stated they would send a fraud packet in which I requested twice ( XX/XX/XXXX & XX/XX/XXXX ) and they never sent it. I submitted a dispute under fraud with the credit bureau XXXX. IQ Data International informed them the debt and all information pertaining the debt was accurate and verified. They debt collection agency requested I follow-up with them. So, again, I followed up with the debt collection agency and they did not send a fraud packet. Finally, on XX/XX/XXXX I received a letter from them stating the copies of proof of debt were attached. On recorded calls they lied time after time. There was no lease, no electronic signatures, no copies of ids, just a paper with a list of charges on there. This is not substantial documentation to lie to a credit bureau and continue to not send the fraud packet that I have requested for over a year. The fact that they have given me the run around for so long means they know this is inaccurate but they refuse to resolve this matter for the sack of collecting money from someone who does not owe a debt. I highly encourage a detailed investigation into IQ Data International and its practices. Over the duration of my time with them they have broken several laws including not providing proof of debt within an allowed time. From XXXX - XX/XX/XXXX I consistently requested proof of debt and received nothing. I also even wrote a letter to one of the managers within the company explaining why I did not owe the debt and they still refused to resolve this matter. They stated to one of the credit reporting agencies that they had true and accurate information to validate debt but truly all they have is one piece of paper with a list of charges. This is completely unjust.
Product: Consumer Loan

Dear Sir or Madam, On XXXX XXXX, 2012 I signed a contract with US Bank to lease a vehicle for XXXX years. As of today, I decided to buy the car. I have called US Bank in multiple occasions requesting a clarification about the pay-off amount that does not reflect the exact amount stipulated in the contract. When I go over the clauses of the contract they mention different amounts that have not been reflected on the contract. The purpose of this letter is to report the abusive practices from US Bank. This financial entity makes up numbers and inflate the real amount due without providing any reason. For example : the residual value is always equal to the purchase price plus tax or any fee. In my case the residual value was different to the purchase price without applying any fee or tax. In the contract appears reflected that if I exercise my option to purchase the vehicle no additional fees will be applied. US bank still charges additional fees in a clear violation of this clause. As I have already mentioned, I have called XXXX times and they never provide any explanation. I would like to report US Bank for abusive, usury and misleading practices.
Product: Debt collection

On XX/XX/2017, I was admitted to XXXX Hospital, incurring medical bills from various providers. All were paid and satisfied by myself, or my health insurance company, XXXX. XXXX XXXX continued to pursue an alleged debt, even though they told XXXX that they would credit my account. They then sent the account into a collections process with Professional Finance Company ( PFC ). I  responded to PFC regarding the fact that this bill had been paid by my insurance company, but they have not removed the blemish on two of my 3 credit reports. I have written to all of the credit agencies, and so far, XXXX is the only company to remove the false information. I have also followed up with a letter to both XXXX XXXX and PFC with documentation proving that the medical amount was paid in full by XXXX. In fact, even though XXXX paid the claim 100 %, I had already submitted payment of {$50.00} which XXXX  owes to me! I am attaching the documentation to support this information. I have lived with a chronic condition ( XXXX  XXXX ) and have never had an accurate blemish on any of my credit reports. My history of paying my debts in full and on time is clearly indicated by all 3 of my credit reports. I believe the effort I've had to put into trying to clear my good name is beyond anything that should be required.
Product: Debt collection

I sent a certified cease and desist letter to waypoint on XX/XX/2022 and it was received on and signed for on XX/XX/2022. fraudulently attempting to collect a debt not owed. According to 15 usc 1692c ( c ) after a debt collector receives the debt collector to cease further communication with the consumer, communication is defined according to 15 U.S. Code 1692a ( 2 ). The term communication means the conveying of information regarding a debt directly or indirectly to any person through ANY medium. Waypoint is still falsely reporting on my credit report after receiving the cease and desist letter from a debt that I do not owe.