23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I refinanced my mortgage with which I had to make escrow payments with a different company. The mortgage was serviced through another provider, XXXX The new company paid the loan in full on XX/XX/XXXX. The company says they mailed me a refund check on XX/XX/XXXX. I spoke with someone through chat about not receiving the check at the beginning of XX/XX/XXXX The escrow refund was reissued on XX/XX/XXXX because I complained that I had not received the check ; my guess was they did n't include my condo 's Unit number and the check was sent back. I was told that was the correct reason and they would include the Unit number. I have not received the check that was originally issued or the check that was reissued.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : 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 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 a personal credit card account opened at XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX under the account number XXXX with a balance of {$23000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or 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 # ( 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: Checking or savings account

On XX/XX/XXXX, Bank of America in XXXX received a transaction I mailed to them per their request. On XX/XX/XXXX, Bank of America in XXXX sent via XXXX, a mailer with my transaction that I had sent to Bank of America in XXXX on XX/XX/XXXX. This XXXX package, addressed to me, was routed to XXXX XXXX XXXX XXXX in XXXX, XXXX My transaction had nothing whatsoever to do with XXXX XXXX XXXX XXXX. My XXXX  package was received in XXXX on XX/XX/XXXX at XXXX XXXX.. At XXXX XXXX., my package was delivered to my mailbox in XXXX XXXX XXXX XXXX XXXX approximately 5 miles away. Tracking is available to show that the two shipment labels were made concurrently ; one from XXXX, and one from XXXX, XXXX The package that was received by XXXX XXXX XXXX had my transaction in it from Bank of America that included a negotiable instrument of {>= $1,000,000}. This negotiable instrument is treated as a cash item by the XXXX XXXX XXXX, and may be sent as an offset via a facsimile or photocopy of the original instrument per XXXX XXXX XXXX  XXXX number XXXX. I spoke with the manager at XXXX XXXX XXXX in XXXX XXXX  who informed me that their branch works regularly with the Bank of America Branch in XXXX, XXXX where my checking account is located. There is already an investigation of the original transaction ongoing. # XXXX that I submitted on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union deleted all my accounts on the report. I am only showing one recent account.
Product: Credit card

I didnt paid my credit card off because I lost job and cant have a work at the moment
Product: Checking or savings account

I was selling a couch on XXXX  for XXXX. The potential buyer sent me a check for XXXX. He told me movers were coming to pick up the couch. If I could pay them with the extra funds. I told them I was uncomfortable but when I deposited the check at my local Bank of American via the ATM it cleared 24 hours later. Once the check cleared I contacted the buy and he told me they could come pick up the couch today at XXXX. He then asked me to pay the movers via the XXXX app. I was to keep remaining XXXX for the couch. Within minutes of paying " the movers '' I felt something was off and called the police. The police came to my home and told me it was probably a scam/fake money. I immediately called BoA with police. I was transferred to 3 different departments with not a lot of urgency to my situtation. I was told there was nothing they could do. The XXXX tranfer showed as pending but they said they couldn't recall it or stop payment ( even though it had been less than 90 mins ). 

After 3 days, the check was declined and I was fined. I spoke with the check fraud department and they told me there was nothing they could do because I deposited the check. The police confirmed it was a conterfeit check ( versus a bad check with insufficent funds ). 

If the check did not clear, I would never have sent the XXXX payment. I am humilated by own studidly but I feel that Bank of America should take some accountability for clearing a fradulent check. The end result, the loss of {$1400.00} only occured because the check was cleared by the bank and showed as sufficient funds for 72 hours.
Product: Credit card or prepaid card

mI am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge or inquiries. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trae Commissions Identity Theft Affidavit. Please delete the items as soon as possible this is affecting my life now that I'm done with school and I was looking to get mortgage for my family and notice I have over 40n inquiries most was from the same company this has shown careless actions on whoever bruisey credit.
Product: Checking or savings account

I received a letter from TD Bank verifying whether or not I opened a bank account. I called them immediately to let them know that I did not open the account. My SSN was used.
Product: Money transfer, virtual currency, or money service

I have sent {$360.00} to a PayPal user : XXXX which now has this email on PayPal : XXXX to send an item : XXXX XXXX XXXX XXXX XXXX XXXX and I waited to ship it but he didn't ship to me. I opened a PayPal dispute which I thinked that I will receive my item but even this person may have marked as shipped, I didn't received it. I have opened too many requests on PayPal but I still didn't get my full refund. This person which I sent my money doesn't refund me. 

I need from PayPal to reverse the transaction : XXXX back ( which is on my PayPal account ) and get my full refund of {$360.00} since I didn't get what I paid for and this person which I sent my money doesn't refund me. I want an escalation : https : //www.paypal.com/resolutioncenter/escalate/7GK887276F337733F/PP-005-013-132-474 in order to get a refund Best regards, XXXX XXXX
Product: Consumer Loan

Gateway One XXXX calls me several times per day on my cell phone ( as listed on my appliction ) and also calls references such as my family and discloses my financial information to them if I am more than 5 days late on my payment. The major issue is and the reason for my complaint is that they called a customer service number listed online for my employer. So it happens that I am in charge of the Customer Service team that answers that toll free number listed for my employer XXXX XXXX. This is very embarrassing and should never take place. I do not list XXXX XXXX on my application for credit and Gateway One is not doing business with XXXX XXXX so why are they calling XXXX XXXX? Their contract is with me and I should only be contacted at the # i provided to them XXXX.
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$2100.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Debt collection

I hope this message finds you well. I'm writing to address an issue with my student loan account managed by the Department of Education. Recently, I noticed discrepancies in how my payment history is being reported. Despite our agreement for my account to show as " open '' and " never late, '' my credit report indicates otherwise. MOHELA/DEPT OF ED XXXX
Product: Payday loan, title loan, or personal loan

On XX/XX/23 Albert took {$96.00} out of my XXXX checking account which I did not authorize. I contacted them immediately because I didn't have a payday loan or any other kind of payment due to them. They told me that the {$96.00} was for a years subscription to XXXX, which is some kind of program they offer. I told them I never subscribed to any such thing, nor did I authorize them to take anything out of my XXXX account and I asked for my money back. Round and round we went and they finally agreed to give me my money back, but that it was going to take 4-6 business days. I asked why they couldn't return what they took immediately because it was going to cause my XXXX account to get overdrawn, and that inherently leads to a multitude of other problems. They said they can't process refunds that way and to just be patient. We'll, I still haven't received a refund. I think potentially this is a scam that they run on a lot of people and maybe nobody has reported it and them yet. I have copies of all of our texts back and forth along with my XXXX Bank statement if needed. I just need my {$96.00} back. At this point I'm screwed because of this unauthorized withdraw from my account in so many ways I'm not even sure where to begin other than I've also incurred an overdraft fee from it. Unfortunately I'm caught up In the middle of the payday loan cycle. It's a very delicate balancing act. When that one domino fell its created a chain reaction I'm not sure how to recover from. Please let me know what other information you need from me. I'm unaware of how this process works, but I want to learn and here to help.
Product: Credit reporting or other personal consumer reports

IN RESPONSE TO XXXX REPORT NUMBER : XXXX INVESTIGATION ID : XXXX I disputed several items on my credit report. Comenity XXXX XXXX XXXX account has not been updated to reflect the satisfied judgment. My attorney helped me reach an agreement with XXXX XXXX, attorney for XXXX XXXX XXXX, on behalf of Comenity Bank. The judgment was paid in full, but the tradelines on all three credit bureau sites are not reflecting the payment and still reporting as if nothing has been done on the account. 

As a hard-working citizen willing to right a wrong, it is imperative that my credit report show that I fulfilled my commitment by paying the agreement as requested. The money received was contingent upon the agreement to release the judgment, and the credit report should reflect that the judgment was satisfied.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act Account Name : 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 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 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting

Asked the credit bureau to remove account that was not mine and was told the account was verified. Spoke with the collection agency and was informed the account was requested to be removed but it has not.
Product: Credit reporting or other personal consumer reports

I have previously disputed XXXX XXXX XXXX Bankruptcy Chapter 13-Dismissed with you. In response, you verified the item as accurate, stating that your office has verified the information with the US Bankruptcy XXXX XXXX XXXXXXXX XXXX XXXX XXXX 
I contacted the court disputing this bankruptcy directly with their office, and their response is enclosed for review. 
From conversations over the phone and in the letter, they sent me, they have confirmed they do not report to you or any Credit Bureau for that matter ; therefore, your initial response verifying the item with the court was either an error on your part or misleading. 
Either way, the reporting of this Bankruptcy, which I NEVER initiated or requested does not comply with FCRA 611 ( 15 U.S.C. 1681I ), and the information must be deleted immediately.
Product: Credit reporting or other personal consumer reports

I am a victim of a recent data breach and identity theft. As a result, several fraudulent accounts have been opened in my name without my knowledge or consent. I have discovered these accounts reported on my credit report, and I am requesting immediate action to resolve the issue and remove these fraudulent accounts from my credit file. 

The accounts that I have identified are as follows : XXXX XXXX  Account Number : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : # XXXXXXXX XXXX XXXX XXXX XXXX Account Number : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account Number : # XXXX I have already taken the following actions : I filed a dispute with the credit bureaus, including Equifax, and requested that they delete and block these fraudulent accounts from my credit file. 
I have attached an Affidavit of Identity Theft and other supporting documentation to verify my claim. 
I requested that these fraudulent accounts be removed within 4 business days, as required by the Fair Credit Reporting Act ( FCRA ), Section 605B ( 15 U.S.C. 1681c-2 ). 
I contacted the relevant financial institutions to report the fraud and asked for the accounts to be closed. 
Despite these actions, the accounts remain on my credit report, and I have not received the timely resolution I am entitled to under the law.
Product: Checking or savings account

On XX/XX/2024 around XXXX I went to Huntington Bank located at XXXX XXXX XXXX  XXXX XXXX XXXX, MI XXXX XXXX 
I deposited around $ XXXX {$220.00} into their drive up ATM to my XXXX XXXX debit card. It took my money and gave back {$3.00} that was folded, then gave me the option to " add more '' or " finish. '' I chose " add more '' from the screen to put the addition {$3.00} it gave me back in. Once I put the 3 dollars in, the entire machine froze and would not accept the {$3.00}. The screen was not working and neither were the buttons. I waited until the machine reset back to the home screen for a new transaction for a new customer.

The ATM did not deposit the funds into my account, nor did it give it back. I was never given or offered a receipt. 
I never left the ATM and immediately called the Huntington Bank to explain what happened. They told me they could not help me and to call XXXX XXXX. I touched the ATM a few more times to ensure it wouldn't spit the money I just inserted out before leaving. 
I then pulled over into a parking spot to call XXXX XXXX and report this. They took all my information and then denied my claim today due to not being able to get a response from Huntington and then was told to contact Huntington for a resolution. But when I contact Huntington they want me to call XXXX XXXX. 
This has completely offset everything financially in my life. 
I don't understand how this could happen when I have exact dates, times, amounts, and location. When there is a CAMERA attached to the ATM.
Product: Debt collection

This company is trying to collect a debt that isnt owed. Ive researched it by calling the original creditor and asking them to email receipts to me, which they have done, which prove that there is no debt to be collected. 

This company also did not send a debt verification before starting these bogus collection activities. This is for a gym membership that I canceled years ago and for which no balance exists.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX and XX/XX/XXXX, XXXXXXXX XXXX  agreed to TERMINATE and DELETE all security interest, sharing and furnishing of an account opened with my credit financial information ( personal identification information ) due to fraud as a result of IDENTITY THEFT. I was given given several guarante by XXXX of Resolutions Department of said furnisher that all Consumer Reporting Agency ( CRA ) that they XXXX XXXXXXXX has shared my information with has been contacted and information will be deleted. 

On XX/XX/XXXX I contacted CRA TRANSUNION regarding said information been reported by upgrade which I disputed with TRANSUNION as FRAUD and IDENTITY THEFT and supplied appropriate supporting documents. XX/XX/XXXX. TRANSUNION informed me that XXXX XXXXXXXX VERIFIED the information as of XX/XX/XXXX to be ACCURATE and CERTIFIED true. 

I reach out to XXXX XXXXXXXX on XX/XX/XXXX for clarification regarding the respond from TRANSUNION to which I was inform they have deleted the account as of XX/XX/XXXX. This contradicts their reporting of said account and the statements been generated showing the account is still active even though it was closed and sold to a third party debt buyer as of XX/XX/XXXX. The account is still showing activity and still been furnished to CRA ( s ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I was made aware of an attempt to pull my credit by an unknown source on XX/XX/2020. Since I have not applied for credit recently I assumed this was fraud and intermediately froze my credit reports at all 3 credit reporting agencies. I also added fraud alerts to my credit reports. On XX/XX/2020 I started receiving alerts that a new account was added to my credit reports with Transunion and XXXX. The account was listed as XXXX and was opened on XX/XX/2020 and closed on XX/XX/2020. I immediately filed disputes with Transunion and XXXX  to have the account removed. Within 24 hours Transunion notified me that the account was verified and would not be removed. I also contacted XXXX at XXXX but they seemed disinterested in helping. This is not my account and is fraud and needs to be removed from all of my credit reports immediately. I will be contacting the local police and filing a report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, after I review my credit report I found multiple erroneous information on it that did not belong to me. After reviewing with details I saw multiple address that did not belong to me, So, On XX/XX/XXXX, I submitted documents to the credit Bureaus requesting to update my address and remove all other addresses that did not belong to me, unfortunately, after 45 days I review my updated credit report and notice that XXXX and Equifax did not update my address and also did not remove the inaccurate addresses, so I am now, taking the extra step, because I really these addresses off of my credit report.
Product: Debt collection

On XX/XX/XXXX. I called CPS at XXXX and dialed extension XXXX to speak with XXXX. I spoke to XXXX about paying 2 monthly payments that were due on XX/XX/XXXX and XX/XX/XXXX, XXXX each payment is {$290.00}. I paid a total of {$580.00} for the XX/XX/XXXX and XX/XX/XXXX payments and XXXX gave me confirmation number XXXX. 
On XX/XX/XXXX, I began to get calls and texts from CPS stating the payment due on XX/XX/XXXX was not paid. I went to their web site and seen on their payment history that XXXX misapplied {$290.00} to fees on XX/XX/XXXX. This was incorrect and I never agreed to pay fees on XX/XX/XXXX, I only agreed to pay 2 monthly payments. XXXX did not mention paying fees. 
Now CPS is saying I owe {$290.00} for XX/XX/XXXX when I paid it on XX/XX/XXXX over the telephone with their rep.
Product: Bank account or service

I had a bank account with wells fargo open from XX/XX/XXXX-XX/XX/XXXX. Wells fargo keeps changing their story for why my new account was closed. I called XXXX XXXX and he told me it was because i harassed their district manager XXXX XXXX, but he did n't explain how i harassed her and my new account was closed XXXX days after it was open, very suspiciously. XXXX XXXX then proceeded to tell me in the letter that i 'm not allowed in any wells fargo, he even made sure to mentioned to say that i was n't allowed in the XXXX XXXX location where i ran into XXXX at the front door but I did not bother her. Let me point this out i had no idea anything was wrong until i called to see how much money was in my account, on XX/XX/XXXX when i learned my account had been closed. I am being treated very unfairly here and for XXXX to assume i would be a problem to disrupt wells fargo daily business. It is XXXX who is disrupting everything. I was banking with wells fargo even before XXXX started working their, its not right that i get treated this way.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed that Experian shows a XXXX XXXX XXXX XXXXXXXX XXXX XXXX account XXXX, an auto loan as a " chargeoff '', when it has been paid in full. The account has a {$0.00} balance and should show " Current/Paid as Agreed ''. Thank you. 

XXXX XXXX XXXX XXXX XXXXXXXX Experian XXXX Account XXXX XXXX XXXXXXXX Account Type : Installment Account Type - Detail : Auto Loan Bureau Code : Individual Account Status : Paid Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$0.00} No. of Months ( terms ) : 60 High Credit : {$12000.00} Credit Limit : {$0.00} Past Due : {$0.00} Payment Status : Collection/Chargeoff Last Reported : XX/XX/XXXX Comments : Unpaid balance reported as a loss by credit grantor. 
Date Last Active : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Equifax has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Equifaxs inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting three accounts on my credit report that I have disputed directly with them on XX/XX/22, after my dispute to Equifax, XXXX and XXXX about on XX/XX/22. 

XXXX and XXXX have deleted the accounts, but Equifax has not deleted the accounts nor have they responded with any status of their investigation. 

XXXX XXXX XXXX also has not responded to my direct request for information regarding the three accounts.
Product: Credit reporting or other personal consumer reports

for the company to do what is fair and equitable to me as a consumer by removing and deleting items identified as identity theft accounts to be removed : XXXX XXXX - {$5300.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX {$6000.00}