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

I have fallen victim of a job scam. 

" XXXX XXXX '', the Recruiting Manager of XXXX XXXX, sent me a personal email regarding a job application and asked if I was still interested in the position. By fault, of course, I said yes. She proceeded to send an email regarding the initial interview stages, which I completed. Days later, I was offered the job. I signed the job offer letter and she proceeded to connect me with my new supervisor, " XXXX ''. XXXX said there were some hiccups in the financial department at Think so he sent mobile checks for me to deposit into my checking account and use this money to pay vendors for office supplies and furniture. I sent XXXX wires, totally {$6100.00} to an account with XXXX XXXX. My bank, JP Morgan and Chase, put a hold on my account when I attempted a third wire. I spoke to a representative with Chase and they mentioned that my situation sounds like fraud and advised me to discontinue the transfer of funds to XXXX XXXX. 

That same afternoon ( XX/XX/year> ), I set up an in-person meeting with a Bank Clerk XXXX She said claims can not be made in a branch so she called the Chase Claims Department. I filed two separate claims, one for each wire transfer. She recommended not making claims for the fake checks because the checks needed to be processed through the checking department. Chase said there was nothing they could do to stop the checks nor return my wire transfers. The fake checks had not been endorsed and they were deposited immediately. I spoke to the bank clerk about why some checks are deposited immediately and others are held, and she said Chase doesn't have a system for how they handle good/bad checks. My husband, who also banks with Chase, oftentimes waits 7-10 days for employer checks to deposit. 


I have filed a complaint with the following agencies : Federal Trade Commission The Attorney General 's Office The Federal Bureau Investigations office
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX I co-signed for a car several months ago for my daughter XXXX XXXX. Due to Covid-19 my daughter and I have been furlough from our jobs, unable to make payments on time. 

We were informed that American Credit Acceptance should not be reporting to the credit reporting agencies as delinquent, which they have done since this pandemic started. 

We took a loan out to catch up on payments and would like to have my/our credit score corrected from the time American Credit Acceptance reported delinquent. 

Thanks, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date [ XX/XX/XXXX ]. Since then, the account has repeatedly been updated as charge-off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : Transunion : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, High Balance : {$2600.00}, Last Date Account was verified : XX/XX/XXXX, Date of Last Activity : XX/XX/XXXX, Owed Balance : {$0.00}, Last Date of Payment : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I made a debt request to XXXX XXXXXXXX about this account XXXX, i did it many time and then could not provide information about this account.
Product: Checking or savings account

someone used my personal information and opened an account and they closed it l need to open a new account to use it since l am the real owner thank you.
Product: Mortgage

I had a modification done in XX/XX/XXXX untill my escrow account was audited an closed per my request I have been trying to clean up from the bankruptcy in XXXX which SPS is partially responsible for creating and also bad legal advice from my attorney! 

Im currently 2 payments behind and I will fill out an application for a deferral payment to get my account back on track but they will have me send in all this information and then turn around and deny me for some lame excuse and now I feel its discrimination against me due to my age and or race that since I identify as white make in my XXXX they want me to die to my high equity on house My balance on credit report says {$190000.00} my modifications amount was for {$190000.00} I need explanation why my balance is {$10000.00} higher on credit report verse my last statement They have been constantly harassing me about the payment but I continue to communicate with them frequently as phone conversation are recorded
Product: Debt collection

These accounts are showing false amounts. And accounts are too old on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been well over 30 days, and I have not received any investigation results. I have filed a dispute in regard to the incorrect items on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I placed a freeze with the other two agencies on XX/XX/XXXX, but Experian 's website has been an unnecessary hassle preventing me from completing the freeze, at each attempt in this process, and again today ( XX/XX/XXXX ). 
In XX/XX/XXXX I requested my credit report, which Experian could not verify so it was mailed to me. Receiving my report number I logged in online and attempted to put a freeze on the account but was unable to. The website frequently 'times out ' requiring my information to be entered in again. When it does go through I receive a notice that it ca n't be processed online and that all my personal identity information, along with a check, has to be mailed in to them. Mailing all my information along with my checking account is an unacceptable security risk. 

Equifax should be invoiced for these credit freezes, not consumers. 

Experian has wasted hours of my time already, which is worth much more than the {$5.00} they insist on charging. This is especially true considering I did not authorize their collection of my information. If they are given such an important responsibility, they should be expected to have a website that functions to serve our needs appropriately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX balance {$130.00} Radius global solutions balance {$110.00} In accordance with the Fair Credit Reporting act XXXX  Account # 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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Money transfer, virtual currency, or money service

On XXXX XXXX, XXXX, I went to Walmart in XXXX, NC to make an international XXXX transfer to XXXX in the amount of {$300.00} USD. I paid {$300.00} including the transfer fee. When the recipient went to pick up the money with their ID at XXXX services at a local Honduran bank, they were told that the sender needs to call and verify. The following day, XXXX XXXX, XXXX, The agent at Walmart called XXXX for me and was informed that the recipient must call to verify, not the sender. I then told the recipient to call and verify and after doing so, they said now please have the sender call again to verify. On XXXX XXXX, XXXX, I called again and was informed that no, I am verified, the sender is verified, but the XXXX agent in XXXX has to call on behalf of the recipient to verify. The recipient went back to the bank and spoke with a XXXX agent who insisted this is a mistake from the XXXX services on the XXXX side said the sender is the person that needs to call and verify. They absolutely refused to make any calls neither for the recipient nor to XXXX. I went back to Walmart where I made the initial transfer and the same Walmart associate who had helped me before called XXXX to inform them of this situation and request a refund. She was told that they will not release my money not even for a refund unless the Honduran XXXX agent calls them. She transferred the phone to me and after explaining it to them again, they told me if the bank does n't want to call then please have the recipient call, once again, to verify. 
XXXX has given me many different numbers to call that I, the recipient, and the XXXX Walmart associate have been calling to resolve this and keep getting the runaround. After calling these numbers numerous times about this situation, I no longer want to deal with their customer service. They are now holding my money indefinitely and will not release it even though both I and the sender have already been verified. I have used their service many times before and never had any issues.
Product: Credit reporting or other personal consumer reports

I have sent multiple request to all thre bureuw i did credit freeze with ftc report and police report of iidentity theft they ddint remove anything pls help i am a XXXX  with my job i cant progress in my career if i have identity theft harming my credit pls
Product: Credit reporting or other personal consumer reports

XXXX is XXXX On transunion theirs three negetive adverse charge off accounts ending in XXXX XXXX and 4 credit inquies my complaint is that transunion supposed to block and removed these items from my report i have a federal trade identity fraud report on filed
Product: Checking or savings account

My husband deposits his paycheck into our shared USAA checking account, every Friday, via mobile deposit ( using his cell phone ). He has been doing so for many, many years. 
A few months ago, USAA has started holding part of his check for a whole week. The amount that is held varies and is usually between {$400.00} - {$600.00}, per week. The funds become available about 7 days after deposit. 
By USAA holding his hard earned money, every week, it is making it extremely challenging to pay our bills on time. 
I've contacted USAA about this issue, several times, but have yet to receive an understandable, satisfactory answer as to why this is happening, every week! 
His employer does not offer direct deposit and there aren't any ATM 's in the state of California, for this bank. Therefore, mobile deposit is our only option for his paychecks! We don't have issues with a overdrawing our account nor have we ever deposited a bad check!
Product: Credit reporting or other personal consumer reports

In the month of XXXX I was scammed by a debt consolidation company and they told me not to pay my cards that they would take care of my situation, unfortunately that never happened and my discover card was closed by the merchant. Causing derogatory items to be displayed on my scorecard and report
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my ANOTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was 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 are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$9100.00} XXXX XXXX XXXX Balance XXXX {$12000.00} XXXX XXXX XXXX Balance XXXX {$4800.00} XXXX XXXX XXXX Balance XXXX {$7100.00} XXXX XXXX XXXX Balance XXXX {$3600.00} XXXX XXXX XXXX Balance XXXX {$7000.00} XXXX XXXX XXXX XXXX Balance : {$190.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021, I received an investigation letter and an updated consumer credit report from Transunion. The investigation for XXXX XXXX states that the dispute information was VERIFIED AS ACCURATE. XXXX XXXX is a COLLECTION account. A COLLECTION account SHOULD NOT SHOW A PAST DUE BALANCE OF {$990.00}. A collection account should show as a OPEN account. This is INACCURATE REPORTING. Copies of the investigation letter and the updated consumer report are attached for proof. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 
( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting or other personal consumer reports

As defined by 15 U.S. Code 1681 ( e ) ( b ) ( part of the Fair Credit Reporting Act ), for a company to access an individual 's consumer credit report, essentially stating that they have a " permissible purpose '' to obtain this information. A letter of accuracy under 15 U.S.C. 1681b is a written dispute sent to a credit reporting agency to contest the maximum possible accuracy of information on a consumer 's credit report. The letter should include the consumer 's name, address, and a clear description of the disputed items. It should also explain why the items are incorrect and request that they be removed or corrected.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the inaccurate and inconsistent information reported across all three major credit reporting agenciesEquifax, XXXX, and XXXXregarding one of my accounts. These discrepancies include conflicting account balances, payment histories, and account statuses. 
According to the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure the accuracy and consistency of the information they report ( 15 U.S.C. 1681e ( b ) ). Given the significant inaccuracies and inconsistencies in the reporting of this account, I request that the account in question be thoroughly investigated and subsequently deleted from my credit report
Product: Credit reporting or other personal consumer reports

I have a XXXX  credit card and XXXX of the perks is credit reporting and alerts. I received an alert yesterday XX/XX/XXXX that inquiries are made into my credit by XXXX XXXX quick Google search got my to realize this is a collector. Then I noticed XXXX other alerts on that credit report made prior to that one ( done by XXXX ) where it says that on XX/XX/XXXX there was a new loan from XXXX XXXX. I DID NOT secure any loan with this company and was shocked to see that XXXX is reporting this loan was opened on XX/XX/XXXX and then on XX/XX/XXXX seems like balance was past due so all these alerts were in my XXXX  mobile app for me to discover through. 
I called XXXX immediately they told me to dispute it online on their web site. Web site kept trying to sell me their protection plan and identity theft ( very funny I know ). 
After that I called you where I was told to freeze my credit with all XXXX bureaus which I did. Then I also learned that XXXX is the only one that is showing this loan with Affirm ( how odd ) this is suppose to be trusted agency but they run my XXXX credit score to XXXX in XXXX  months meanwhile my credit score remains at XXXX with XXXX and there is no mentioned of this loan and past due balances there. Everything that XXXX is reporting is accurate. 

Now my next call was to XXXX XXXX company where this loan apparently is coming from who said they will send me an email confirmation saying that I do not have loan with them and that loan is fraudulent. I am yet to receive that email ( guessing never ). 
That did say they apparently have all my information but wouldn't disclose any of it of course. They also gave me a case # but I don't trust this company after reading similar stories on XXXX. 
I didn't receive anything at my home address any bills any confirmations of this loan ever be made in my name or anything. All I see is this inquiries into my credit made by XXXX on their credit report which is false. 
Once I made a dispute with them I received an email saying it will take them XXXX  days to get back to me. 

At this point I do not know who to call and where to go to really know if my identity was indeed stolen or is this just some random mistake made by XXXX in credit report. 

It seems really odd to me that this XXXX company can just put this into my credit report and run my credit score into nothing without ever reaching out. What if I really needed my perfect score right now. Who gives them this much power. I was very surprised that this same company XXXX who basically decides you credit score faith has score of B- on XXXX. That is really something. 

Am I suppose to report this to police? As of right now no debt collector is after me and no mail has come to my home regarding any loans or open balances from XXXX XXXX yet XXXX is showing this information in my credit reporting.
Product: Mortgage

Citizens Bank is collecting nearly {$9000.00} too much for my escrow account. This is the second year in a row I have received an escrow refund check of nearly {$9000.00}. I have now submitted full documentation to Citizens Bank twice, first in XXXX of 2021 and again in XXXX of 2021, following their instructions, in order to have the taxes on my escrow account corrected. With two full years of escrow history, and after writing me two checks of nearly {$9000.00}, Citizens should certainly be able to recognize the problem, my submissions not withstanding. However, they are for the second year in a row INCREASING my escrow payment. As I have had no success having the account corrected through citizens, I am filing a report here.
Product: Student loan

I requested a refund a month ago for all the payments I made during covid emergency and they havent processed the request. I think is ridiculous how they have taken so long when other providers process everything under 30 days.
Product: Debt collection

Since 2020 XXXX XXXX has been reporting a collection of XXXX $ on my file. I've disputed this several times we both bureaus, I've never done business with this company not sure how they recieved my information. this company is hindering me from extending credit.They are sending me mail to collect a debt that I do not owe. this has stopped me from renting housing, loan approvals, vehicles etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payment ( s ) is inaccurate. I also respectfully request to be provided specific proof that the alleged late payments were in fact late. I request to see all statements and payments were in fact late. I request to see all statements and payment transaction records from the creditor that would prove that my payment was not submitted on time. It is my understanding that you must verify these items with the reporting creditor for accuracy. If you are unable to provide proof or if lacking proof of payments being late please update my payment history to PAANL status ( Paid As Agreen Never Late ) according to consumer protection laws. You are in Direct violation of the fair credit reporting act has violated several of my rights. 15 U.S.C 1681 section 602 A. Clearly states that I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1666B : A creditor may not treat a payment on a credit account as an open-end consumer credit plan as late for any purpose.
Product: Vehicle loan or lease

XX/XX/19 - XX/XX/19 Specific dealership - XXXX XXXXXX/XX/XXXX XXXX, XXXX XXXX, AL. 

While researching trucks, XXXX XXXX 's XXXX had the truck that I had been looking for. I called and was greeted by the internet sales manager (  XXXX ). I informed the manager of my budget and the importance of staying beneath {$400.00} a month. The internet sales manager reassured me that this was feasible with no money down, and no trade in required. I was reassured that this was the case whether I leased the vehicle, or purchased it. I was informed that they hadn't met their sales quota for the month, and were 12 vehicles short. I was also advised that the finance manager would do whatever is needed to make the truck fit into my budget due to the dealerships numbers for the month. Examples were given that the dealership had special coupons to discount the vehicle even more. During the conversation I was reassured this was a forsure thing. I submitted my loan app online to reduce time at the dealership. 

The internet sales manager followed up with me prior to me leaving my house and advised that due to me and my family driving from a different city/state to purchase the vehicle it would be in the price range I needed to be. I was advised to ask for the assistant manager XXXX upon my arrival. My wife and I rushed to get our XXXX kids ready and arrived before closing. 

A sales rep ( XXXX ) greeted me outside and walked me to his desk. I informed the rep that I already had a deal booked and only needed to speak with XXXX. The rep stated he was brought up to speed and would be assisting. From there a paper app was recorded, even though I had already submitted one electronically. The sales rep pulled the vehicle around and allowed me to test drive. Once we returned the sales rep stated the best they could do is {$620.00} a month. I educated the rep that the deal was already set, and the monthly payments would be less than {$400.00}. He went back and spoke with the finance manager who now requested to purchase a vehicle that I had no plans on trading in. Even with the trade in allowance that I was told wouldn't be needed, the monthly payment was still higher then what was originally agreed to. The offer was declined but the sales rep asked for me to give him to noon tomorrow to try and work the deal. My family and I left and drove back to our city/state. 

The next day came and I was forced to follow up with the dealership myself. I was informed that the closest they could get to my previous quote was XXXX on a lease with more than 2k for a down payment. The offer was declined and I informed the sales rep that I will be leaving feedback from my experience. 

Transparency was key, and not present during this transaction. Had I known this wasn't an option, I wouldn't have ran my credit, nor would I have driven my family to a different city/state.
Product: Credit reporting, credit repair services, 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 XXXX XXXX Balance : {$0.00} ; STATE ECU XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; RESIDENT VERIFY XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX
Product: Debt collection

I was reviewing my credit report and noticed that they have reported that I owe them a debt. I never received notice prior to this being placed on my credit report. My rights were violated