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

This is my OTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX Balance : {$0.00} ; DEPTEDXXXX  XXXX Balance : {$0.00} DateOpened : XX/XX/XXXX ; DEPTEDXXXX XXXX Balance : {$0.00} Date XXXX ; DEPTEDXXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

Over 30 hotels stays ... and in many instances I didn't receive incidental hold balances but back into my account. I've spoken with management and was told at one point it takes 30 days for money to be refunded back into the account? It got so out if hand I stop booking rooms with my cash app information ... ..when XXXX or XXXX would return fairs from canceled rides I didn't see it reflecting in my account on many times. Reverse payments never made it to my account... I've used cash app for 2 years and have had my work direct deposit my check into the account for 2 year 's I've used there payment system to send over XXXX ... .and in some instances some payments weren't received. There was so many problems with the app and I know I lost a couple of grand easy over the 2 year period.
Product: Credit reporting, credit repair services, or other personal consumer reports

I PRESENTED TRANSUNION WITH MY ALABAMA ISSUED DRIVERS LICENSE FOR THE PAST 17 YEARS. SOMEONE WAS LIVING UNDER MY IDENTITY IN XXXX XXXX NEVADA IN XXXX, XXXX. I LIVE IN ALABAMA AND NEVER LIVED OUTSIDE ALABAMA I HAVE ASKED TRANSUNION TO REMOVE ALL NEGATIVE ACCOUNTS FROM MY CREDIT FILE ASSOCIATED WITH XXXX XXXX NEVADA BECAUSE THIS IS NOT ME! THERE IS A XXXX XXXX XXXX XXXX. THERE IS A XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX. ATTACHED TO MY CREDIT FILE THAT IS NOT ME. THESE NEGATIVE FRAUDULENT ITEMS ARE RUINING MY CREDIT FILE ALSO THERE IS A XXXX XXXX AND A XXXX XXXX CHAPTER XXXX THAT SI NOT ME. WHOEVER DID THIS I HAVE RESEARCH BETTER THAN TRANSUNION. FILED THIS CHAPTER XXXX ONLINE PROSE. NOT ME PLEASE INVESTIGATE AND CORRECT MY CREDIT FILE. THIS IS MY 2ND ATTEMPT ASKING FOR A RE INVESTIGATION. I HAVE DOCUMENTS FROM ALABAMA THAT SHOW I FILED ALABAMA TAXES XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX PLEASE CORRECT YOUR RECORDS.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, 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 XXXX XXXXXX/XX/XXXX
Product: Bank account or service

On XXXX/XXXX/2016 I deposited my pay check and on XXXX/XXXX/2016 authorized ACH transaction Of {$20.00}, {$50.00}, & {$50.00} and it presented to bank next day I.e XXXX/XXXX/2016 my td bank looked to grab the opportunity and cleared my check on XXXX/XXXX/2016 and charged me fees of {$100.00} When I complained the bank reversed {$35.00} .I have never opted in for any overdraft protection but I believe bank delayed clearing my check so to charge overdraft fees.pls help is it legal. 
Thank you for attention
Product: Credit reporting, credit repair services, or other personal consumer reports

Dates of inquiries : XX/XX/2018,XX/XX/2018,XX/XX/2018 Theres an erroneous amount of inquiries on my credit reports from your company. I did not give your company permission to run my credit nor do you have any permissible purpose to run my credit. If you can not provide any signed documents of me giving authorization to perform this act please remove ALL inquiries from all credit bureaus youre reporting on my credit report immediately! Since it is against the FCRA, 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] for an entity to view a consumers credit report without a permissible purpose. I am writing to inquire as to your alleged purpose for doing so since I did not apply for anything with your company. Theres no accounts tied to these inquiries on my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXXXXXX XXXX XXXX XXXXXXXX, SC XXXX XXXX XXXXXXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX : {$7900.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$2700.00} XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$630.00} XXXXXXXX XXXX XXXXXXXX ( Original Creditor XXXX XXXX XXXX ) XXXX Balance : {$9900.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1800.00} XXXX XXXXXXXX Balance : {$710.00} XXXXXXXX XXXX XXXXXX/XX/2023
Product: Debt collection

I have been a victim of Identity theft as a result several accounts were opened in my name. I have filed a police report and sent it to collection agencies letting them know the debt is not mine but they still report me negatively to the credit bureaus and have not responded to me yet within the 30 day time period.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was credit check for capital one card which I did not apply for.. but the applicant lives in XXXX  which XXXX have never lived in.
Product: Credit card

On this account, I've always made sure to pay on time, ensuring that payments are never overdue. However, I'm unsure why there are reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file. 

XXXX XXXX XXXX Date of Inquiry : XX/XX/2023 XXXX XXXX Date of Inquiry : XX/XX/2023 XXXX XXXX XXXX Date of Inquiry : XX/XX/2023 XXXX XXXX Date of Inquiry : XX/XX/2023 XXXX XXXX XXXX Date of Inquiry : XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX HAVE NEGATIVE INFORMATION LISTED ON MY TRADE LINES. WHEN I CONTACTED XXXX XXXX, I WAS TOLD BY THE CUSTOMER SERVICE REPRESENTATIVE THAT SHE HAD NO KNOWLEDGE OF MY ACCOUNT. ON MY TRADELINES, IT IS LISTED THAT THIS ACCOUNT WAS TRANSFERRED TO ANOTHER LENDER. I CAN'T GET VERIFICATION OF THIS DEBT AND WAS TOLD BY THE REPRESENTATIVE THAT THERE IS NO KNOWLEDGE OF THE ACCOUNT. WITH ALL THIS BEING SAID, THERE SHOULD BE NO NEGATIVE INFORMATION LISTED ON MY TRADELINES AT THIS POINT. I HAVE FILED DISPUTES, AND ATTEMPTED TO CONTACT THE COMPANY WITH NO SUCCESS. I HAVE FILED DISPUTES WITH TRANSUNION, XXXX  AND XXXX  WHO ALLEGEDLY VERIFIED THAT THIS WAS ACCURATE INFORMATION. NEITHER CREDIT REPORTING COMPANY CAN PRODUCE THE VERIFICATION THAT ALLEGEDLY OBTAINED TO VERIFY THE DEBT.
Product: Credit reporting or other personal consumer reports

The following addresses are incorrect and must be removed to accurately reflect my current address. 

Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX XXXX XXXX XXXX XXXX, XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX XXXX presence of these incorrect addresses violates the accuracy requirements as per the Metro 2 format, specifically relating to address fields which must be accurate and up-to-date ( Metro 2 Base Segment, Fields XXXX - Address, XXXX XXXX ). Inaccurate address information can lead to issues of misidentification and may affect my creditworthiness.
Product: Money transfer, virtual currency, or money service

A friend I have on XXXX made a post that they had a vehicle for sale. Their grandpa had gone into assisted living, and they were selling his assets. I reached out through messenger and said that I would like to look at the car. The person, who I thought was my friend, said, please send a down payment, several people are interested. I know this person, so I thought it was safe. They sent me a zelle name that I didn't know, to pay them. I said, who is that? They said, it's my cousin, he is helping with the estate sale. I sent XXXX. They asked me for my phone number, they said that had to have it to accept the money. I gave it to them. Then I got a text message, from " zelle '' saying that I had exceeded the limit, and the XXXX would be refunded. I told this to my friend, they said I could just send {$850.00} and {$150.00} and that would cover it. I did. The second I did it, it dawned on me that I was being scammed. It was too late, I had sent my scammers {$2000.00}.
Product: Debt collection

On  XXXX / XXXX /  XXXX   I received a call from a supposed company called "  XXXX  ''. Not only did the lady call my phone, she also called my parents house looking for me. She called my mo, first and told my mom that this coming Friday she was either coming to my residence or my job with " papers '' for me to sign and if I did n't sign them then I would be going to court. After she called my mom, she called my phone and told me that if I did n't call this number  XXXX   XXXX   XXXX   XXXX  that she would be coming to my home or my job. I called the number and mentioned the file number she gave me which was  XXXX  and spoke with a  XXXX .  XXXX  said she worked for SMS recovery which was a pre legal service/attorney office. She said she was representing  XXXX  and that I owed  XXXX . I asked them what kind of company this was and she said a legal company representing  XXXX . This company called my elderly parents issuing threats against me to " subpeona '' me to court which upset my parents. This is totally wrong and unlawful
Product: Checking or savings account

This complaint is against Bank of America. I have a small business checking account with Bank of America. My company is a XXXX XXXX XXXX XXXX. On Tuesday XX/XX/XXXX, I was trying to use my Bank of America debit card online to purchase airlines ticket and book hotel. I was able to purchase my airline ticket but when I tried to book the hotel online, the transaction was declined. I tried booking the hotel again and the transaction was declined again. Finally, my husband booked the hotel using his XXXX credit card. Few minutes later, I saw an email from Bank of America about Security Alert :  Unusual debit card activity detected. It showed that the airlines charge was correctly approved and the hotel charge was declined. It also showed that a fraudulent charge with XXXX for {$520.00} was declined. On XX/XX/XXXX, I was checking my business checking account and I noticed 5 fraudulent charges from XXXX between XX/XX/XXXX and XX/XX/XXXX including a charge which the bank had confirmed via email that it was fraud and declined. I immediately called the bank and told them about the fraudulent charges. They asked me if I still had the debit card and I said yes. They opened a claim and told me that since no debit card PIN was used, it was clear that it was a fraud and they would refund for the 5 fraudulent charges totaling {$3500.00}. Since the claim was filed within 60 days, they said I have {$0.00} liability. They said they would mail me a fraud statement that I have to sign and mail them back. Next day, I received a temporary credit on my account. On XX/XX/XXXX, I received the fraud statement via mail which I signed and mailed it back the next day. On XX/XX/XXXX, I called them to check if they received the form and they confirmed that the form was received and that would investigate and credit back the claim permanently with 45-90 days. On XX/XX/XXXX, I received mail from Bank of America saying that the investigation was complete and the transactions were authorized, there was no error and now they would remove the temporary credit from my account on XX/XX/XXXX. These are fraudulent charges which were charged 5 times at 4 different locations of XXXX in California when infact I was not in California during that time. The bank should not take any money from my account for these fraudulent charges. I notified them as per law and they confirmed on the phone that the charges were fraudulent and now they are denying it. I also have email from the bank that one of the fraudulent charges was declined but still the money went out of my account. I was never notified of the other fraudulent charges via email. The credit should not be removed from my account.
Product: Credit reporting or other personal consumer reports

for the company to do what is fair and equitable to me as a consumer by removing and deleting items identified as identity theft accounts to be removed : Company or Organization : XXXX XXXX Account Number : XXXX Company or Organization : XXXX XXXX Account Number : XXXX Company or Organization : XXXX Account Number : XXXX Company or Organization : XXXX Account Number : XXXX Company or Organization : XXXX Account Number : XXXX inquiries to be removed : XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I closed on the loan with Chase Mortgage. The tax division of Chase overpaid 2024 property taxes. The taxes owed were {$3000.00}. Chase paid {$7400.00}. They attempted to raise my mortgage. I contracted the tax division of Chase Mortgage in XXXX to understand the discrepancy. They agreed there was a discrepancy. The tax division said they needed to make a formal request for a refund from XXXX XXXX. I was told at that time to continue paying the lower monthly mortgage amount and that the tax division would secure the refund. Then Chase reported on my credit report that I was delinquent in my payment therefore lowering my credit score. I contacted Chase and asked where the refund was and why they reported my payments being late after being told to continue paying the lower amount. They admitted they had never made a request to XXXX XXXX for the refund. I also reached out to XXXX XXXX and they too said no request had been made by Chase for a refund. Now my credit is being impacted because of Chase 's failure to pay my property taxes correctly and again by not requesting the refund as they committed to do. We have documentation to show all of this.
Product: Checking or savings account

I used my debit card at a facialist store and was sold and brought XXXX products. When I got home, I looked inside the bag and realized I was sold an unmarked, unsealed and not labeled product. I also received a service and got my bill with an additional charge and was not informed or asked or made aware they were going to charge me an additional amount. I didn't consent nor give my permission. " I tried to contact the merchant and she didn't return my call till I filed a claim with Wells Fargo. I filed a claim on XX/XX/XXXX. I was XXXX would have up to XXXX  months to investigate the claim and here from the merchant. I just got an email saying my claim was closed and the funds were withdrawn from my account yesterday XX/XX/XXXX. Wells Fargo said XXXX denied the claim because I used my card. That was never being contested nor denied. I filed a claim because I was sold something that was opened, not marked or labeled and could be rat poison.
Product: Credit reporting

I have been trying for weeks to get my transunion credit report. I 've called and entered the info. I 've done annualcreditreport.com and they told me I could n't view it online. I 've tried the transunion website and none of them I 've been able to get a copy.
Product: Vehicle loan or lease

I have bank with Ally for roughly 8 years between 4 different auto loans between joint with my wife or just myself. At least once a year I make a Lump Sum principal payment to reduce my overall due and reduce my monthly payment. 

I made one on XX/XX/XXXX which per company guideless is required to be equal to 4 months worth of payments ( XXXX x 4 = {$1100.00} XXXX I paid {$1200.00}. 

The company via 7 different call, numerous emails as messed it up this time around. I was paid ahead tillXX/XX/XXXX after myXX/XX/XXXX payment & before the Lump. 

They gave me the option to move my monthly forward to help. I agreed toXX/XX/XXXX without  issue. However, monthly has still not lowered they are asking me what it should be. 

When my loan went into play XX/XX/XXXX my payments were slated at {$310.00}, the first Lump was XX/XX/XXXXfor {$1300.00} which reduced me by {$22.00}. Not sure what the issue is this time around
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX  XXXX  : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX  finance : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681sXXXX ( A ) ( XXXX ) 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.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX  - XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Vehicle loan or lease

On XX/XX/XXXX, I received a letter from Santander for Notice of Default, Intent to Repossess. I JUST made a payment to Santander on XX/XX/XXXX. Even if they received my payment late as i paid via my bank, I have a reputation for paying my auto loan. Santander does NOT have the right to start harassing me if a payment is late. My original contract states I have a grace period of 10-15 days to make my payment after the dues date. I should be to utilize that grace period without any threatening letters being sent to my house. I'm making this complaint because Santander has a history of class action lawsuits across many states for illegal repossessing of vehicles and other illegal activity when it comes to their customers, and I do not want to be a victim of their illegal activities. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have attached a copy of the repossession letter and a copy of my payment history to show I'm paying ACTIVELY paying and threatening me and harassing me to take my vehicle is illegal especially if my payment falls within the grace period of my contract. I want Santander to quick with the harassing and threatening letters to my home.
Product: Mortgage

THIS IS A PROBLEM WITH XXXX XXXX XXXX XXXX. 

My loan was made and closed in XXXX with the first payment due on XX/XX/XXXX. I made this payment and then the loan was sold to XXXXXXXX XXXX   for servicing. I paid the payments to XXXX electronically until XX/XX/XXXX. At this time, the loan was sold again. This time to GMFS. During the transfer to GMFS, a payment was credited to XXXX in XX/XX/XXXX, but did not catch up in the transfer process. GMFS asked for the proof the payments were made and this information ( Bank Statements showing the withdrawals ) for every payment on the account was provided on XX/XX/XXXX. Today, XX/XX/XXXX, I was told they are still researching the missing payment and will not correct any negative credit reporting until they complete their research. I feel like this is a very simple fix and GMFS has not and is not doing its due diligence to protect the integrity of the consumer.

GMFS provides the absolute WORST Customer service of any servicing provider I have dealt with in over 40 years.
Product: Prepaid card

This is a follow up to complaint # XXXX which was closed. Comerica bank indicated that on XX/XX/XXXX that all of my remaining social security funds were sent back to social security via ACH. It is XX/XX/XXXX and social security is telling me on XX/XX/XXXX that they have received NO money back. Please see social security response below. I need help getting Comerica to follow through in sending money back to social security ASAP. 



Thank you for contacting the Federal Benefits Office in the American Embassy XXXX. 


There is no returned payment on beneficiary 's record and Social Security Administration can not request to reclaim funds from any financial institution in life cases. Social Security recipient needs to get in contact directly with XXXX XXXX to resolve the issue. 
Should you have any questions on Social Security matters, we remain at your disposal. 
With respect, XXXX XXXX Claims Representative *****
Product: Debt collection

Hello I noticed this problem on my credit report in XXXX XXXX. Please remove it from my report as soon as possible. Iam a victim of identity theft and these accounts are not mine. 

XXXX XXXX XXXX XXXX XX/XX/year> {$3300.00} XXXX  XXXX XXXX XXXX {$160.00}
Product: Student loan

Dear XXXX, I am writing to inquire about the status of my Notice of Borrower Defense Discharge Approval for my federal loans. I attended XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, which has been found guilty of misconduct and fraud. I understand that the Federal Student Aid ( FSA ) office is supposed to automatically send this notice to borrowers who attended this school. 

My girlfriend and many others, who attended the same institution, has already received her Notice of Borrower Defense Discharge Approval. However, I have not yet received mine. This discrepancy is concerning, as I have not been informed of any issues or delays specific to my case. 

Given the circumstances, I am eager to understand why I have not yet received this important notice and to ensure that my federal loans are being handled appropriately. The delay in receiving this notice has caused significant XXXX and uncertainty regarding my financial situation.