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

This is my six attempt to notify you that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts 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 an alleged identity theft. 

These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines the following : ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) The consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. 

Again, the accounts 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 or remove the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$220000.00}, XXXX XXXX Balance {$0.00} Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Product: Credit reporting or other personal consumer reports

I sent all XXXX credit bureaus dispute letters XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and as of today no one has provide me what I requested. Their actions violates 15 U.S. Code 1681 a ( 4 ) Consumer Right to privacy. I wish that the disputed items not be listed on my credit report.
Product: Checking or savings account

I opened a Discover XXXX Debit Card Checking account. I made a payroll direct deposit to the account. Discover promised a debit card via USPS on XX/XX/XXXX, no card arrived. I was told it could be as long as XX/XX/XXXX. 

On Friday XX/XX/XXXX I attempted to transfer funds FROM Discover to my XXXX XXXX account. Discover WOULD NOT ALLOW THE TRANSFER because " we do not have a relationship with XXXX XXXX. Over time you will be able to transfer. '' Excuse me? 

a ) What legitimate fiduciary " does not have a relationship '' with another fiduciary? 
b ) I have ZERO access to my funds This is INEXCUSABLE banking behavior.
Product: Credit card or prepaid card

I didnt open those account. I try to fix it it since the first time. Now my credit is bad. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. 

XXXX XXXX {$930.00} XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX {$870.00} XXXX XXXX  XXXX {$470.00} XXXX XXXX  XXXX {$850.00} XXXX XXXX XXXX XXXX XXXX {$1700.00} XXXX XXXX {$1500.00} XXXX XXXX {$870.00}
Product: Credit card or prepaid card

I have a loan with Navy Fcu. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, and Navy Fcu with no successful resolution. XXXX, XXXX, and XXXX reporting me late. There was definitely an error on their part. I was never 30 days late ( XX/XX/2020 )
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : Closed Complaint # XXXX XXXX XXXX XXXX presented its attorney with many false information and failed t o correct several delinquencies it had created in error. As a result it changed the error delinquency previously reported as XXXX late payment XX/XX/XXXX to XXXX late payment for XX/XX/XXXX. Between XX/XX/XXXX and XX/XX/XXXX it made several similar errors which it corrected by XX/XX/XXXX. Among its latest errors are a XXXX late payment for XX/XX/XXXX and a new missed payment reported to the credit bureaus around XX/XX/XXXX during a period when the account no longer exists. The company also denied any knowledge of the payment that I had scheduled for XXXX XX/XX/XXXX but was later advised by its Short Sale representative to cancel owing to the fact that I was not required submit a payment while awaiting closing of the sale initiated between the bank and the purchaser in XX/XX/XXXX ( see attached supporting documents ). 
Please note that the canceled checks paid to XXXX XXXX XXXX  for the XXXX and XX/XX/XXXX were recently resubmitted to XXXX XXXX XXXX via XXXX in XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

According to IRS UNPAID CHARGE OFF IS INCOME AND FOR ACCOUNTS THATS STATE ON MY CURRENT CREDIT REPORTS I HAVE RECIEVED 1099-C FOR ALL ACCOUNTS ALSO ACCORDING TO FCRA INCOME CAN NOT BE REPORTED ON CONSUMER CREDIT REPORT AFTER CHECKING MY MOST UPDATED CREDIT REPORT IM STILL SEEING ACCOUNT REPORTING FOR ACCOUNTS AS FOLLOWS XXXX XXXX XXXX XXXX MARINER FINANCE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The items listed below are reported again on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

On XX/XX/XXXX, Morgan Stanley E-Trade charged a {$15.00} fee to my Max-Rate Checking Account. On XX/XX/XXXX, I spoke with a customer service representative who explained that the charge was a Service Fee due to insufficient funds. I requested a refund for the fee, but my request was denied. 

I have held this account for several years without incurring any fees. The representative informed me that the policy had recently changed in XX/XX/XXXX, and mass emails were sent out to notify customers. Unfortunately, I did not receive the emaillikely because it went to my junk folder. I asked for a courtesy refund and even requested to speak with a manager, but my request was not accommodated. Consequently, I decided to close the account. 

Referring to this charge as a " service fee '' feels misleading, as Morgan Stanley E-Trade did not actually provide a service. Is deducting money from my account really considered a service? This fee feels more like a predatory " junk fee '' rather than a legitimate charge. I was taken by surprise and believe that Morgan Stanley E-Trade should have offered a courtesy refund. Im confident that other customers are similarly impacted by this practice. Overall, this experience feels unfair.
Product: Mortgage

Buyers Beware!!! I closed a Loan in full with the XXXX XXXX several months ago. When the loan was originated an escrow account of 12 months prepaid taxes was set up, plus XXXX collected taxes every month plus fees. It has been almost 3 months from settling this account and XXXX XXXX has still not returned the original Escrow Account Money. Numerous attempts to settle this matter directly with XXXX XXXX have not succeeded. I think they are hoping that I just give up and they keep over {$12000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, this creditor has violated my rights. Under 15USC 1681 Section 602 states I have the right to privacy. In section 15USC 1681 Section 604A Section 2, also states a consumer reporting agency can not furnish an account without my written instructions. Under 15USC 1666B, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. 

XXXX XXXX Account Number XXXX In 2021, it is reporting 30, 60, 30 days past due.
Product: Debt collection

XXXX XXXX is reporting that I owe them {$280.00} to all XXXX credit reporting agencies ( XXXX, XXXX and Experian ) for account I never open and address did not live. I have attached copy of lease of my residence I lived during the time XXXX claims I had service with them.
Product: Debt collection

portfoilio recovery continues to call my phone an harrass me about this debt.. everytime they call i block them an then here they are again with a different number
Product: Debt collection

I contacted the company by certified mail to validate the debt. The company never responded to my letter. No type of communication was made.
Product: Credit card or prepaid card

Bank of America has not returned by overpayment of {$720.00}. I have contacted twice over the last 3 weeks. They promised to return money back to original payment account. 

I have not received money. 

They shut down my Bank of America Alaska  Card Account on XX/XX/20 without my consent and still no confirmation of money back. 

I do not know what else to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

Transunion did not properly investigate my credit disputes. I sent them all the required documentation, see documents that I sent to them attached. The letter they sent out to me requested all the same information that I had mailed them with my request. The packet that I uploaded here is exactly what I sent them. They are requesting duplicate information.
Product: Credit reporting or other personal consumer reports

I recently looked at my credit profile and there were several inquiries I did not recognize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/XXXX I sent XXXX  XXXX a letter with supportive documents letting them know I was a victim of ID theft. I discovered my previous tenant had made photocopies of all my personal info I immediately reported this to the police. I filed a complaint with FTC, police and sent XXXX  XXXX a completely filed out ID THEFT AFFIDAVIT. I have provided XXXX XXXX with a copy of : 1. Police report 2. FTC report 3. Signed Affidavit explaining my position AS A VICTIM OF ID THEFT 4. A COPY OF MY DRIVERS LICENSE 5 Two utility bills. 

I checked XXXX XXXX XXXX and found out XXXX XXXX put a judgement lien on my house. When I spoke to XXXX XXXX about the fact that they never notified me of their intent to sue they simply stated they hired Hunt & Henriques XXXX XXXX for that and had to take up that problem with them. 

When I contacted Hunt & Henriques, XXXX they told me I have to contact XXXX  XXXX. 

Im stuck in a bad position- all because XXXX XXXX is drilling to many lawsuits into the courts that the court cant catch when the attorney is being negligent or behaving unethically. 

My case is one where a dutifully working attorney would not have acted the way that Hunt & Henriques XXXX XXXX did. 

In XX/XX/XXXX they mailed a notice of intent to sue to THE WRONG ADDRESS / different city. 

XX/XX/XXXX they file statement confirming they could not serve me ( by no fault of my own as I would never avoid being served bc I want to know what Im being accused of ) XX/XX/XXXX they allegedly served me, one month before hearing. They list that there was no one home and that they handed it to a XXXX XXXX woman at the same time! Which one is it? Was the house empty or was this stranger Ive never heard of at my house? ( My wife is a XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX but its a little funny the process server said it was a XXXX XXXX  woman at my door. 

The case should have started from the beginning once they realized they were going to the wrong house! I had been living there since XXXX a simple XXXX  search would have taken them there. 

Instead attorney submitted the documents and made it appear as though everything was done correctly. They won by default and placed a judgement lien on my house. 


The judgement lien should be removed immediately. 

This is debt collection abuse and an investigation would surely show the many many consumers harmed just like I have been.
Product: Checking or savings account

I opened my account with Citizens Bank approximately XXXX month ago. Everything was going fine. Then today, I received XXXX emails in rapid succession. The first told me that an external transfer that I scheduled was being cancelled. The second told me my access to all transfers had been stopped. Finally, I was told that my online banking had been cut off. I called and after XXXX minutes on hold I was informed by the agent that my account was being closed, though she refused to give a reason why. I know of no reason it should be closed, I used my debit card and had direct deposit setup. As concerning, the {$1800.00} transfer I had made has not yet been reversed and deposited back into my account. I have no idea how to get my money back. This is a XXXX check which makes the money important. The transfer was cancelled but the money has not been placed back into my account yet. Further, I have no idea how to get the money when it is placed back into the account.
Product: Credit card or prepaid card

I am writing today in regards to my account with CITI account # XXXX. The reason for writing today is in regards to the late payment which is showing on my report in XX/XX/2020, due to Covid I was unable to make the payment in XX/XX/2020. As soon as I was able to, I got my payment made and caught up.
Product: Consumer Loan

I am a co-owner of my daughters car. started to pay {$100.00} every month and I could n't for two months I tried to tell him that I am working again and I will pay {$100.00} every two weeks until I get caught up. He tells me that he did n't feel like doing a paper check every two weeks and if I did n't pay the full amount that he would garnish my check. I got mad and told him that I was not going to XXXX take my money and I hung up. I am trying to pay and he wants all the last three months on the XXXX when I want to pay a {$100.00} every two weeks.
Product: Debt collection

This company, LTD financial Services, repeatedly calls me and hangs up. I have asked for information about the supposed debt that they are collecting, which I do not believe exists, but they will not give me that information unless I give them an address so they can inundate me with mail, as well as personally identifiable information of mine such as my social security number. I will not -- under any circumstance -- be giving out ny social security number over the phone to a company that will not even give me the courtesy of explaining what the reason for contact is. 

I have asked them to stop calling me, but they continue to do so, calling and then hanging up if I answer the phone. The latest such incidence was today, at XXXX.
Product: Consumer Loan

Due to a banking mishap I was stuck out of town in a business trip with no cell phone or way to pay for food. I had to get a payday loan to survive. As I was new my job I had to get the first one that approved me. Now I am paying 775 % on a XXXX loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

After having to make the terrible decision to allow two credit cards to go to charge off status to cut off the incredibly damning interest rates and because they would not work with us on a plan with a reduced rate, I am being reported by XXXX and the other credit reporting agencies as having 27 charge-offs by XXXX XXXX and 22 with XXXX XXXX XXXX. There was one charge-off for each, and subsequently, I came to a paym ent agreement with both. I have been paying as agreed but they report a new charge-off every month. I am told that I can stop paying and then they must stop reporting. This is crazy. If you confirm that the reporting is right, then I will have to seek other action. Please advise.
Product: Credit reporting or other personal consumer reports

15 U.S Code 1681 c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer idnetifies as information that resulted from an alleged identiy theft, not later than 4 business days after the adte of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM XXXX This is so unlawful.
Product: Money transfer, virtual currency, or money service

Subject : Funds are missing / not deposited back to my account after selling full Paypal Crypto trading Issue : Trusted the name Paypal Inc as its an XXXX, so XXXX $ USD invested money in Paypal Crypto trading and purchased using from XXXX  XXXX XXXX debit card, after the purchase we realized unable to withdraw money in large amounts > XXXX $ so lost money due to crypto trading volatile which wont happen, so realized as its new service introduced in Paypal and its has lot of issues based on XXXX / XXXX / Paypal community complains in comments .. So decide for full withdraw / sell cryptocurrency able to sell successfully and received email notification states funds will be available within 24 hours back paypal account ( email proof i have ). When i reach customer care agent after 48 hours they told me there is no such transaction even after checking for 10 min 's. I have attached the email of the crypto sale then they are able to find the transaction and stated its an engineering problem and they are looking at it but its been 10 days no resolution so far and i haven't received my funds yet and i am not getting responses from customer care as well. 

Resolution : Need my funds back to my account that's still pending. 

Thank you!
Product: Mortgage

I received a letter drafted XXXX/XXXX/XXXX that my mortgage company did not pay my XX/XX/XXXX property taxes from my reserve because of : " undivided parcel number/please send new tax bill, if applicable ''. I retrieved the bill from XXXX XXXX XXXX assessors website and faxed it to the mortgage company on XXXX/XXXX/XXXX ( I had sent a page earlier, but it was for the wrong building as I own XXXX neighboring buildings ). On XXXX I noticed the bill had still not been paid, so I called. I was told that they would " open a work order '' ( 8 days after receiving the proper paperwork? ) I checked again today XXXX, and it still has not been paid, so I called again. They are claiming that the parcel numbers do not match between the tax bill and the closing documents so they are " researching '' it. When I asked if they had simply called the county, they would/could not tell me. 

The bill was due in XXXX, and they still will not expedite the payment. What can I do?
Product: Credit card or prepaid card

I didn't authorize the XXXX transaction after capital One Bank declined the transaction on multiple occasions due to the credit limit. 

The transaction is a violation of the Fair Credit Bill Act and is a fraudulent transaction without my permission after multiple transactions were declined by Capital One Bank.
Product: Credit reporting or other personal consumer reports

To whom this may concern, After reviewing my credit reports I noticed that you are alleging that the following accounts are negative without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore you must remove all negative and adverse remarks. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Since I looked at my credit report months ago, I've discovered that some of the data was still inaccurate. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the 3credit bureaus are obligated to authenticate certain items. ( A ). It is unacceptable to treat certain reporting items as unverified rumors without providing evidence within the prescribed window of time. Sections 611 ( a ) ( 1 ) and 609 ( a ) ( 1 ) ( A ). ( A ), look into the unverifiable things and correctthem from my report right now. XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021.
Product: Vehicle loan or lease

I was only approved for a loan about a year and half ago with Capital one at a rate of 18 %. I have tried to refinance to a lower rate and am unable to get approved through other lenders. My credit is improving. I have had to defer a monthly payment because Capital one doesnt refinance. I dont think I should be paying a car loan at that percentage rate. I cant afford it but dont want my car repossessed. I have asked Capital one many times to help with a solution but they havent offered anything. I am paying XXXX a month.