23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I contacted XXXX XXXX on XXXX for the purchase of XXXX XXXX XXXX which was listed for {$150.00}. I offered {$130.00} with the delivery fee of {$20.00}. He accepted the offer and asked me to send the money through CashApp with my bank card. After sending the money, XXXX and I agreed to meet up on XX/XX/XXXX to retrieve my purchase. XXXX also provided his phone number. I messaged him to confirm his presence but he never responded. He soon left the XXXX group chat and deleted his account. Suspecting a fraudulent activity, I disputed the payment in CashApp as a scam. On XX/XX/XXXX, I contacted CashApp support to get a refund. The support team said the payment can not be refunded and suggested to contact XXXX XXXX directly. On XX/XX/XXXX, XXXX never arrived nor contacted me. I also filed a dispute on my bank on XX/XX/XXXX. On XX/XX/XXXX, the claim was denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2500.00}, {$4500.00}, {$2300.00}, {$4200.00}, {$4600.00}, {$10000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2500.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4500.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -This is not my account. 

4. XXXX XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4200.00} -This is not my account. 

5. XXXX XXXX  with ACCT # XXXX opened onXX/XX/XXXXwith a balance of {$4600.00} -This is not my account. 


-- COLLECTION ACCOUNT 6. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account.
Product: Credit card or prepaid card

I cant access my cash app account cause my number on the account is no longer in service on my account i had got my phone and my prepaid cash app card stolen from me and I had a balance of {$1800.00} in my account that i cant access cause my phone being stolen and card as well and i cant get threw to anyone to help me they sent me specialists about like 4 of 5 them dont do nothing I'm still waitjng for a respond from them all i am asking if they can help cancel the card on my account and dispute all charges thats werent by me and get a new a card sent to me
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

- On XX/XX/2021 we made a home load inquiry with First Republic Bank. 
- On XX/XX/2021 we received a response from Relationship Manager XXXX  XXXX  ( NMLS # XXXX ). Their NMLS profile is here : https : XXXX - XXXX XX/XX/2021 we discussed the loan application with XXXX over the phone. 
- On XX/XX/2021 we submitted out loan application online. 
- On XX/XX/2021 XXXX first informed us of a new requirement for the loan : " moving over [ our ] current brokerage account [ s as ] part of the purchase transaction relationship. '' This was the first time we were informed of the requirement, and we could not find it mentioned in any document provided by First Republic. 
- On XX/XX/2021 we asked for clarification : " could [ First Republic ] share a document that outlines all the requirements we need to meet to be eligible to get a mortgage through First Republic? '' - On XX/XX/2021, we received a response from XXXX, but no formal documentation was shared. There was simply the statement " Since we are giving you the loan and the savings, we in turn want to be the beneficiary of your funds/deposits instead of the funds going to an outside institution who is not able to provide you with the same great loan program. '' - Given the above, we believe that First Republic behaved in an unethical & discriminatory manner. Only after First Republic gathered all of our sensitive financial data did they mention we would have to move over all of our investments to work with them ; furthermore, they never provided any proof of these terms/requirements with official First Republic documentation . This is deceptive ( they should have been clear about requirements before gathering our sensitive data ) and discriminatory ( if our financial data looked different then First Republic might have made different demands- in fact, the demand to move over our assets only came up after a particular brokerage account was mentioned ).
Product: Credit reporting or other personal consumer reports

Dispute and Request for Documentation - XXXX XXXX  Account Number : XXXX Dear TransUnion, I am writing to dispute the accuracy of XXXX XXXX  reported on my credit file. This account was previously adjusted and removed from my XXXX credit report, which indicates that there was an error with the reporting of this account. 

I request that you provide me with the following documentation : Verification of the debt and proof that the account belongs to me Detailed account history, including payments, charges, fees, and interest added to the account Proof of credit reporting, including when and how the account was reported to TransUnion Investigation report detailing the findings and actions taken regarding my dispute Documentation of any previous disputes related to this account and their resolution Proof of compliance with the FCRA Given that XXXX has already removed this account from my credit report, I believe there is an error with TransUnion 's reporting. 

I request that you investigate this matter and take immediate action to correct and remove this account from my credit report. I request this documentation within 14 days. Failure to provide this information may lead to further action to protect my rights under the FCRA.
Product: Credit reporting or other personal consumer reports

My credit was denied based on the inaccurate information deriving from Experian that has caused a issue with XXXX XXXX in XXXX this year. XXXX bank. And XXXX bank all need to be notified to prevent claim and adhere to the law to provide me credit upon my applications. Without another inquiry.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I reviewed my credit report and noticed an unauthorized hard inquiry initiated by XXXX XXXX XXXX Credit Card. I did not apply for this account or authorize the company to access my credit report. 

Actions Taken : XX/XX/XXXX : Upon discovering the unauthorized inquiry, I immediately contacted the credit bureaus reporting the inquiry to file a dispute. 
A request was made to investigate the legitimacy of the inquiry and remove it if it could not be verified as authorized. 
XX/XX/XXXX : I reached out to XXXX XXXX XXXX Credit Card to request an explanation for the inquiry. 
I was unable to obtain any evidence or documentation demonstrating that I had authorized the credit pull. 
XX/XX/XXXX : A formal dispute letter was sent to the credit bureaus ( XXXX, XXXX, and TransUnion ) with supporting documentation, including a copy of my credit report highlighting the inquiry and proof of identity. 
A formal report was also made to the Federal Trade Commission ( FTC ) regarding this unauthorized activity. 
Outstanding Issues : To date, I have not received any resolution or confirmation that the inquiry has been removed from my credit report. 
I have not received evidence from XXXX XXXX XXXX Credit Card proving that I authorized this credit pull. 
Impact and Request : This unauthorized inquiry has negatively affected my credit score and raises concerns about the potential misuse of my personal information. 

I am requesting the CFPB to : Investigate the legitimacy of this inquiry. 
Ensure that appropriate actions are taken to remove the inquiry if it can not be verified as authorized. 
Hold the responsible party accountable for accessing my credit report without proper consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 - I mailed XXXX, XXXX, and Equifax a cover letter stating the issue with not being able to get my credit score/credit report. XXXX Including every thing possible that I could think of ; so that they could verify my identity and fix their system XXXX XXXX  and XXXX  both responded by mail and fixed the issue on their end. I am now able to get my credit score/credit report - and I was able to create an online account on both of their websites. 

I never got a response from Equifax. 

After doing some research - I found Equifax 's fax number in a XXXX forum, where I found a lot of people who are having the same on going issue with Equifax. " Code NM : We can't locate a credit file for you '' I faxed Equifax my information on XX/XX/2021. 

XX/XX/2021 - Equifax sent a letter stating " We received your request regarding your Equifax credit file. However, we were unable to locate a credit file for you for one  of the following reasons : -You have not applied for credit recently. ( I have a credit card through XXXX  XXXX ) -You have not actively used credit in the past ten years ( again, I have a credit card ) -You have not lived in the United States or have not been issued a U.S. Social Security Number. ( I have a U.S. License ID, U.S. address, and a U.S. Social Security Number ) The letter also said to check with XXXX  and XXXX. 

XX/XX/2021 - I replied by fax, responding to their letter - and included both my credit reports from XXXX  and XXXX  - along with all my personal information again. 

XX/XX/2021 - Equifax sent me the SAME letter. " We received your request - we are unable - check with XXXX  and XXXX  '' - I've tried calling every number possible - you're lucky if someone answers and after talking in circles ... they hang up on you. XXXX  and XXXX fixed whatever the issue was in their system - why can't Equifax do the same? 

Instead - Equifax mails the same response over and over and over again. No matter how much information you give them to verify your identity - no matter how many times you fax, call, mail - They won't fix the issue! 

How can XXXX  and XXXX  have a credit file for me but, the main credit company out of all 3 ... can't??? Even after sending every piece of verification they ask for, PLUS anything I could think of that would help. 

This company is messing with my credit and my life. 


*I do not have any complaints with XXXX  and XXXX**
Product: Credit reporting or other personal consumer reports

Upon reviewing my report I noticed fraudulent inquiries and wrong addresses I contacted creditors and the crediting reporting agencies. I also filed an FTC report and asked the credit reporting agencies to put an active fraud alert. The unauthorized and fraudulent items will be listed below Inquires XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Wrong address XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. Contents of complaint. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C 1681c-2 ) that you the XXXX, EQUIFAX, and XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of personal credit card accounts open at 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  ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, and hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX  ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

I have a mortgage with Santander Bank that is close to payoff because a sizable amount of extra money is applied to the principle each month. I made my XX/XX/XXXX payment including extra principle and Santander received & deposited the checks but did not apply the payment to my account. Up until XX/XX/XXXX, my checks were received and deposited by Santander but starting in May, the merchant name changed to  XXXX XXXX. I have made several calls and was finally told by Santander Mortgage Service on XX/XX/XXXX that my XX/XX/XXXX payment has not been recorded. I've spent time with rude Collections people and nice Mortgage Service Specialists who were not able to help me other than to give me an e-mail address to send canceled check copies to. On XX/XX/XXXX, I sent check copies and a spreadsheet showing what my payments were and what my balance should be. I have received one statement dated XX/XX/XXXX, and the loan balance on that statement went up instead of down! It is now XX/XX/XXXX and there is no acknowledgement from Santander that they have the information that I sent and are working on resolving the problem.
Product: Checking or savings account

I have a hard time financially i have been overdrafting my account every week, but they Charge me fortalece every transaction i Made not only foro the one that overdfrat my account, and i hacw more thanks {$2000.00} on overdrafts fees on this year, calle them explain my situation they reverse me {$140.00} and didnt't explain anytihing now i review it they Toll me since they already make a reversal they aren't able to help me.
Product: Vehicle loan or lease

I spoke to 5 different representatives in regards to my acct and could not get any help to what others had told me. 
They reported me as a late payment when I had made the payment arrangement to avoid this because I 'm working on my credit and when addressing the company speaking with a representative stated that it would not be reported. In checking on my credit report that was false. Calling the business, I talked with more representatives still getting wrong information. Saying they do n't know what I was told, but that was not true!!! I do n't think they are being trained the right information I think I was ok to find out I was lied to I asked to speak with a supervisor, and he apologizes as well I asked him to give me a statement for the month of XX/XX/XXXX paid because they are a month behind and they only gave me the runaround. I been with this company since 2013 and expected more professionalism. 
I received only a payment transcript which is not even readable with not knowing what all codes are. And I received this after 6 phone calls and got different answers saying it would take 10 mins, 20mins, 48 hours or I could go online and see it, but that is not even a current update information.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS 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. XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX : {$4400.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Levy and Associates are attempting to collect on Time-Barred debt and are in violation of the Fair Debt Collection And Practices Act which prohibits suing on time-barred debt, collecting more money than what is owed on the debt, and failing to notify the consumer of court dates and providing a validation letter. 
1. Levy and Associates have placed a judgment and lien on the consumer 's property without providing the consumer notification of court dates to dispute the debt.

2. The consumer has not received a validation letter from Levey and Associates.

3. Levy and Associates are attempting to collect more than what is owed on the debt.

The consumer reached out to Levy and Associates and spoke to a customer service representative who stated the debt in question was purchased from XXXX XXXX XXXX, the original creditor was XXXX XXXX, and the amount owed was {$1800.00}. 

According to the consumer 's credit report, XXXX XXXX received the last payment on XX/XX/2016, and no other payments have been made since. This debt has been inactive for over 7 years. According to court records the debt is {$1100.00}, not {$1800.00}
Product: Mortgage

Freedom mortgage over charged me {$820.00} for my escrow account. I am retired and this has a significant impact on my budget. I learned that they over charged me when I got a refund check in XXXX. I questioned this and got a response with a lot of inaccurate information. I sent them a response to their letter on XXXX XXXX and have not gotten a response to date ( XXXX/XXXX/16 ). I left XXXX messages for XXXX XXXX XXXX and have not gotten a return call. Finally on ( XXXX/XXXX/16 ) I spoke someone on the escalation team and I told them that I expected a response to my letter.
Product: Credit card

The following fraudulent charges were charged to my Truist card : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I called Truist on XX/XX/XXXX to report the charges and close the card. They assigned me case # XXXX and initiated a card replacement. The call lasted XXXX minutes. On XX/XX/XXXX XXXX additional fraudulent charges appeared on my account. I called Truist back on XX/XX/XXXX to report the additional charges. The called lasted XXXX minutes. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A second claim number was issued # XXXX. I followed up on XX/XX/XXXX. The call lasted XXXX minutes. I called on XX/XX/XXXX. The call lasted XXXX minutes. Reason : the app started showing duplicate charges with XXXX. I was advised by the Truist agent that the " XXXX '' line items were from the fraud team, as they had made adjustments to cancel out the charges while they investigated my claims. The agent said Truist 's app is broken and I should not be able to see the " adjustments ''. She stated my future statement would reflect my true balance, but advised I would need to disregard my XXXX statement as it would be incorrect. Instead, I would need to wait until I received my XXXX statement. 

I then received forms in the mail. # XXXX was filed incorrectly, by the Truist agent, as a dispute and not as a fraud claim.The Truist agent also added a legitimate purchase of {$160.00} for XXXX XXXX XXXX XXXX claim. XXXX of the fraud charges ( {$360.00} and {$320.00} ) were listed on both claims, which was also wrong. These amounts were charged fraudulently once, not twice. I called again on XX/XX/XXXX to correct. The call lasted XXXX hours and XXXX minutes. # XXXX was still not corrected. I called again on XX/XX/XXXX and the call lasted XXXX hour and XXXX minutes. The agent, XXXX, confirmed # XXXX was filed incorrectly as a " merchant dispute '' and confirmed {$360.00} and {$320.00} were logged twice. XXXX advised she would update the claim type to fraud and remove {$360.00} and {$320.00} so they would only appear on XXXX of the claims and not both. XXXX advised these updates would be reflected on my next statement cycle. 

On XX/XX/XXXX, in the app, my account showed the {$210.00} charge had been " adjusted ''. On XX/XX/XXXX I received XXXX statements for XXXX. Neither are correct. On XXXX of the XXXX statements {$210.00} is showing as a purchase and not a credit. 

I made a partial payment for XXXX XXXX XXXX as I was unsure of my true account balance since I was told the app was incorrect and to wait for the updated statement. As a result, I have now been charged double interest. {$21.00} and {$22.00}. 

This issue has been ongoing since XX/XX/XXXX and is still not resolved. The agents Truist has employed either are incompetent or are intentionally providing misinformation.Truist 's defective app and inaccurate statements prevent users from being able to make informed payments. As a result, Truist is profiting off of interest that would have not otherwise been accrued had the user been been able to make an informed payment.
Product: Debt collection

This collection company which I have " NO Contract '' with is in violation of the FCRA. They have no legal right to collect the debt per the contract with the original company. Reporting of the debt is a violation of the FCRA.

Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4. 
I have not supplied proof under the doctoring of the XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I presume that no proof of the alleged debt nor therefore any such debt in fact exists