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

Im submitting this complaint to inform you that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft. 
These following items listed below are unknown to me. 
XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX, WA XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX KY XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$560.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) Date Opened : XX/XX/XXXX XXXX Balance : {$160.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to file a formal complaint against Transunion and XXXX regarding their failure to remove inaccurate items from my credit report, despite submitting documentation of identity theft and FTC reports as requested. 

I submitted an identity theft report to XXXX and trasnuion along with FTC reports in an effort to remove several fraudulent items from my credit report. The items in question are as follows : Account XXXX : XXXX XXXX XXXX XXXX ( deleted by furnisher verified and updated before deletion. 
Account Name : XXXXXXXX XXXX  ( deleted by furnisher today XX/XX/year> XXXX certified to XXXX that it was accurate and TU and XXXX failed to remove it. 
Account Name : Fair Collections and out ( deleted by furnisher but was verified and updated by TU and XXXX Account Name : XXXX XXXX ( auto loan has certified it is accurate but this account remains on my credit but is fraudulent and currently in litigation. 

Despite my efforts, XXXX and XXXX failed to remove these items from my credit report. However, since then, three out of the four items have been removed directly by the furnisher due to identity theft verification. 

I am deeply concerned about the handling of my request and their failure to take appropriate action in removing these fraudulent items from my credit report. I would like to understand why my initial request was rejected and how XXXX and XXXX verified the accuracy of these items. 

Furthermore, I am requesting that Transition and XXXX promptly delete the remaining item XXXX XXXX from my credit reports, as it has been verified by the furnisher as fraudulent. 

I believe that XXXX 's failure to remove these inaccurate items from my credit report is in violation of the Fair Credit Reporting Act ( FCRA ) and has caused undue harm to my creditworthiness and financial well-being. 

Therefore, I am requesting the intervention of the Consumer Financial Protection Bureau to address this matter and ensure that Transition and XXXX complies with its legal obligations to accurately report consumer credit information. 

I appreciate your prompt attention to this complaint and look forward to a resolution that rectifies this situation and prevents similar occurrences in the future.
Product: Vehicle loan or lease

I had a buyer for my motor-coach and I requested a 10 day payoff. As ofXX/XX/2021 the amount was {$150000.00}. OnXX/XX/2021 the motor-coach was sold and the payoff was completed. Since there was a loan payment done right before the sale, an overage was created in the amount of {$2400.00}. I called Bank of the West numerous, numerous times to find out when the overage would be refunded to me. Bank of the West assured me that within the week a check would be coming to me. I never received that check. I sent a certified demand letter on XXXX with no results. Numerous more calls were made. I called and spoke with a representative who said the check must be lost and will issue a new check and send it out.I A few days later I received a check and deposited it, only to discover that Bank of the West had a stop payment on that check.I recruited help from my bank, XXXX XXXX  - XXXX, Texas branch to resolve the matter to no avail. My bank Rep. XXXX XXXX called Bank of the West and spoke with an agent that assured us that a check would go out the next morning. Needless to say, I have never received a check. This entire process started XX/XX/2021 and it is now XX/XX/2021. If needed, we have letters of documentation supporting all of the above facts. Bank of the West has never disputed that the overage is owed and the amount owed is {$2400.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've called Equifax 3 separate times today and told 3 separate answers to this question : Will filing a dispute affect my credit score? A few times, I was told no or it shouldn't. Then the last time an overseas representative said yes.

My score went down 13 points because I have disputes ongoing and XXXX XXXX in specific said they reported to Equifax on : XX/XX/XXXX - " midland funding reported account under collections with - dispute status - the unpaid balance that was reported is {$710.00}. '' per rep. This account with XXXX XXXX had ALREADY reported this to agencies XX/XX/XXXX. They told me they report twice in a month. So, for over a year they have reported often with no change in score points until this dipute.

I disputed the account and now my score went down? And the collection representative verbally validated that. A credit monitoring showed it was XXXX XXXX collections due to adding remarks about a dispute - was the reason the score went down 13 pts.

" The FICO score will not allow an item that is actively being disputed to harm your score. When the XB code is present on an account, a public record, or a collection, the FICO scoring system treats it differently than it would if the account was not actively in dispute.

This is where the confusion comes from. The FICO score will not allow an item that is actively being disputed to harm your score. '' Nothing changed as far as a payment, etc. TODAY I asked Equifax to stop the dispute. Also, Equifax should fix my points - add them back to my score.

Lastly, XXXX, nor XXXX touched my score and I disputed with them as well. I have paid off 3 or 4 collection accounts and my score will only go up 1 or 3 points, but it always go down 13 to 24 points if something is added.

Please look into this and have them to add my points back on as nothing happened on my credit report to justify this. Again, actually, I paid / removed 4 accounts and only Equifax barely show an improvement in the scores while the other 2 major agencies shows great improvement.

Thank you, XXXX XXXX
Product: Checking or savings account

I have been using my account for the past 1 year. My account has recently been closed without any reason when I tried to contact the team said they don't know. I called the bank but no one provided me the reason. then I emailed but no one responded then I contacted them through XXXX XXXX but nothing has worked for me. there are around XXXX $ in it but the team is not replying to my emails, calls, or chats.
Product: Debt collection

On XX/XX/XXXX I received a letter from my employer stating my wages will be garnished by XXXX XXXX financial for a vehicle loan from about 7 years ago ( sometime min/late XXXX ). I didn't receive any correspondence from XXXX XXXX XXXX nor did I have a chance to fix this with them. The vehicle was picked up by XXXX XXXX XXXX  after I called them and told them to pick it up due to ongoing transmission problems the vehicle had since purchase. From the beginning I brought the vehicle to their maintenance shop at the dealership at least once a week for the first 30 days of owning the vehicle, and the issue was never fixed. I was in communication with them constantly up until I told them to pick up the vehicle in the early XXXX. They also want me to pay the full amount owed instead of amount minus what they made on reselling the vehicle, resulting in XXXX XXXX financial attempting to collect an amount higher than required.
Product: Payday loan, title loan, or personal loan

This is a brand new complaint. Affirms has not resolved the issue. I need # '' s name and address for the legal department. I keep getting hung up or told that affirm only follows XXXX policies. Do not close this complaint as duplicate because it's not resolve and needs addressed. 

affirm refuses to send me any kind of proof that i owe this loan. i do not owe because i never received the merchandise. there is no proof i received the merchandise or opened this account XXXX from affirm ( XX/XX/22 at XXXX ) said my account with affirm will be deleted and my money refunded on XX/XX/XXXX. I have this phone call recorded.I am tired of being forced to pay this loan when I do nopt have the merchandise I am tired of being lied to by affirm. I do not owe this loan and I am being XXXX  to pay. Affirm credit financed an item for me from XXXX the order number from XXXX was XXXX. The package from XXXX never arrived, although tracking shows it was delivered, I never received the package. I asked XXXX to help but they refused saying the packaged was delivered and i need to dispute the item as not received with Affirm. {$440.00}. So i finally disputed the item as not received with Affirm and i immediately got an email that says even though i disputed the item as not received with affirm their is nothing they can do because they must always follow and do anything XXXX tells them. This is ridiculous I do not have a valid loan with affirm because i never received the item. So i have no merchandise but yet I have a loan with affirm and they refuse to help in anyway and they have also threatened if i miss one payment they will ruin my credit for life. I am being XXXX  by affirm. I do not have any merchandise but they are charging me for it and refuse to help or investigate. I want this loan account cleared and marked paid in full because I DO NOT HAVE THE MERCHANDISE. Attorney general is also being contacted
Product: Credit reporting or other personal consumer reports

XXXX XXXX account was opened fraudulently without my knowledge XXXX I have no knowledge about this account because my identity was stolen XXXX XXXX XXXX XXXX {$13000.00} account was opened without my knowledge and I have an FTC report XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Personal information Address XXXX XXXX XXXX XXXX XXXX, XXXX  was never at this address and need to be removed from my credit report XXXX XXXX  XXXX XXXX wrong address on my profile needs to be deleted XXXX XXXX XXXX XXXX XXXX wrong address on my profile XXXX XXXX XXXX XXXX XXXX need to be removed from my credit report because I had no idea on these
Product: Credit reporting or other personal consumer reports

Received credit card letters saying I applied and I did not apply. Can not get a hold of a real person to speak too. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Bank of America reference # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Due to financial difficulties, my father and I has defaulted on our mortgage. We reached out to Ocwen Loan Servicing to discuss options and was placed on a repayment plan in XXXX of XXXX whereas I was required to pay a large initial down payment toward the repayment plan in the amount of {$10000.00} with payments to begin on XX/XX/XXXX. I called into Ocwen to authorize my payment by phone on XX/XX/XXXX which was to be dated XX/XX/XXXX. The representative that I spoke with dated the check for XX/XX/XXXX which caused the check to be returned insufficient funds. I immediately reached out to Ocwen to advise of this issue however ; there did not want to take responsibility nor resubmit the check to my banking institution. As a result, the repayment plan that was offered broke. Ocwen loan servicing required that I start the process over again and submitted all updated financial information to submit my request for workout assistance which I did. In the submission to Ocwen, I requested for the plan to be restored as a result of their error. Several months later, Ocwen offered me another repayment plan however ; increasing my payments to an amount we are unable to afford. They advised me they would be mailing me the repayment plan that will require our signature which I never received. The first payment was due on XX/XX/XXXX. To date, we still have not received the repayment agreement. Furthermore, given the age of my father and medical condition, I also requested if we were able to be considered for a Loan Modification however ; was advised that we received several modifications in the past which was not true. We only received 1 modification which was offered in XXXX. We attempted to explain this situation to Ocwen however ; they would not accept our response.
Product: Credit card

On XX/XX/2016 I requested copies of monthly statements for XX/XX/XXXX, XX/XX/XXXX & XX/XX/2016. On XX/XX/2016 I receive a response advising me that they have received my request and to inform me per cardholder agreement there is a charge of up to XXXX for each statement requested and to sign the form agreeing to the fee. XXXX XXXX has not provided a regular monthly statement. I have tried to access my account online but they have blocked my access. I have requested my statements for the last three months and received a response to pay {$5.00} for each statement eventhough they have n't mailed the statement denying my right to review charges and credits! Elan Financial known as XXXX XXXX has failed to provide timely monthly statements allowing me the opportunity given other regular cardholders! There attempt to extort additional funds in exchange for statements never received leaves me suspicious of this unscrupulous financial institution. At this point I want my online access reinstated and paper statements for the entire year forthcoming without delay.
Product: Credit card or prepaid card

I made a payment in the amount of XXXX and well fargo put half of it on hold and I was told I need to wait four days for the hold to be released now this is the sixth time they have done this I havent seen other banks I do business with would put this my payments on hold now Im worried that I will be charged interest for cash advances and I was charged interest last month but I paid my cash advances in full and I cant afford to keep paying interest and I will not pay them .... but I technically paid my well fargo credit card in full but I only have XXXX available credit in my card and that not right at all ... .. I dont know what well fargo expect me to do ... XXXX all I want is for my credit card to be paid in full so I dont get any interest or late fees reported to my credit report and they keep putting my larger payments on hold and each time I have to go to the library and fax in documentation to release the hold early and I dont have lots of money and fax cost me ton of money
Product: Money transfer, virtual currency, or money service

Hello, as far as I understand it is possible to help us with an unpleasant situation we are currently facing, 3 months ago my wife and I created 2 accounts at TransferWise ( Wise ), the accounts were verified with documents everything was fine until a certain point, we have an online store that generates the family income and we used the Wise account for transfers, Wise decided to close our accounts and our money stuck there, about XXXX euros, they tell us that the money back process takes 60 working days, but we can't wait that long and we consider this illegal. Can you advise or help us in this situation? Thank you!
Product: Debt collection

ACCORDING TO MY CREDIT REPORTS I HAVE XXXX CHARGE OFF ACCOUNTS REPORTING. CHARGE OFFS ARE CONSIDERED CANCELED DEBT. AUTO DEALERS HAVE ALREADY BEEN FILED ON THEIR TAXES SO WHY ARE THESE COMPANIES STILL REPORTING THIS ON MY CONSUMER REPORT.CHARGE OFFS ARE CONSIDERED ORDINARY INCOME. I DEMAND THAT THESE ITEMS BE REMOVED AND DELETED. THIS IS A VIOLATION OF 15 USC 1681eb
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, Florida XXXX XXXX XX/XX/year> Equifax Information Services XXXX XXXX XXXX XXXX, GA XXXX Dear Sir/Madam, I am writing this letter to dispute an inquiry on my Equifax Credit Report made by XXXX XXXX. On reviewing my credit report, I noticed that there was a hard inquiry made by XXXX XXXX on XX/XX/year>. I am not in possession of any new XXXX  XXXX cards and I have not applied for one, nor have I authorized anyone on my behalf to do so. 
The presence of this inquiry negatively impacts my credit score and it is crucial to ascertain how it occurred without my knowledge or consent. I am deeply concerned about my identity security and the possibility of unauthorized activity on my credit report. 
In accordance with the Fair Credit Reporting Act, I am reaching out to request an expedient removal of this erroneous inquiry from my report. Additionally, I request a complete investigation into this matter, and kindly ask that you provide me with any documents associated with this inquiry. 
I have attached copies of my credit report indicating the hard inquiry, and other pertinent documents to support my claim. I am hopeful that this matter will be rectified as soon as possible so as to maintain the integrity of my credit information and score. 
Upon completion of the dispute investigation, kindly send me an updated copy of my Equifax Credit Report so that I may verify the removal of the inquiry, along with written confirmation that the inaccurate information has been corrected. 
Thank you for your prompt attention to this matter. Should you require any further information, please feel free to contact me at via email at XXXX XXXX faithfully, XXXX XXXX XXXX
Product: Debt collection

NATIONAL CREDIT SYSTEMS , INC, a debt collector, has fraudulently stolen and used XXXX XXXX XXXX 'S personal identifying information ; Social Security Number, address, phone number, etc. without any consent given. This is a violation of the Fair Debt Collection Practices Act 805 ( b ) - Without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgement judicial remedy, a debt collector may not communicate, in connection with the collection of any debt ... ''.
Product: Debt collection

On X/X/17 I received a voicemail from D & A services on my work phone number. They stated they were a debt collector on the voicemail. This number is assigned to me at work but recordings can be accessed by my employer. In my opinion this is a violation of the FDCPA.
Product: Credit reporting or other personal consumer reports

I am disputing inaccurate information with consumer financial protection bureau and all credits I am exercising my right under the fair credit act fcra 15 u.s. code1681et seq this law governs how credit information must be reported ensuring accurate, compete, and UP DATE, My government name, my current address and correct number. My correct phone isXX/XX/XXXXthis correct anything else needs to be removed Under Cite FCRA section 611 ( 15 U.S.C. 1681 ) requires credit bureaus to investigate and CORRECT disputed information.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance Owed : {$5700.00} XXXX XXXX XXXX  Balance Owed : {$5600.00}
Product: Credit card or prepaid card

I have a business checking account with TD Bank and received several Business Credit Card Offers in the mail. When I tried to open the account online in XX/XX/XXXX I repeatedly received server error messages. I called was told to just go to the local branch. The offer included 0 % APR on purchases for one year and now when I received my 2nd statement I see I was charged 23.99 % interest. I called on X/X/2017  they tell me because I opened the account in the bank instead of online I did not get the 0 % APR. Between checking and savings I have over {$15000.00} in TD Bank earning zero interest. I would never have carried a balance If I knew I would be charged interest. They tell me I need the original offer to receive the 0 % APR.
Product: Money transfer, virtual currency, or money service

I started receiving Coinbase verification codes via text message at XXXX XXXX  on XX/XX/year>. I never responded. I then received a phone call from XXXX at XXXX XXXX. It asked for me to enter the verification code that was texted to me. I did not enter a code and immediately hung up. The number called multiple times and I did not answer after the initial call. I ended up changing my Coinbase password and I still had access to the account at that time. I thought the situation was resolved at that point. Later that night, I started receiving other verification codes via text message for XXXX XXXXXXXX XXXX XXXX XXXX XXXX  etc. This concerned me so I decided to go on Coinbase and noticed the funds were gone. The selling of my XXXX holdings and the withdrawing of funds in the amount of {$2900.00} were never authorized by me. The reference code for the withdrawal with Coinbase is XXXX. The funds were sent to XXXX XXXX  and XXXX to an account ending in XXXX. The hacker did not delete the activity, so I was able to take a photo of it. The withdrawal took place at XXXX XXXX  on XX/XX/year>. 

I was shocked that Coinbase allowed my money to be stolen and I was never notified. They refuse to tell me the entire bank account number that my funds were transferred to. They also refuse to reimburse me for the amount they allowed to be transferred, even though their policy states that they will reimburse if the lost funds were due to fault in their security, which it was.