23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 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 XXXXXX/XX/XXXX
Product: Vehicle loan or lease

This auto loan was opened while I was in Bankruptcy XXXX XXXX without my knowledge or approval,
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$2600.00} XXXX XXXXXXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXX XXXXXXXX Balance : {$590.00} XXXX XXXXXXXX XXXX Balance : {$770.00} XXXX XXXX XXXX XXXX Balance : {$690.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1000.00} XXXX XXXX Balance : {$170.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$320.00} XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXXXX/XX/2022 XXXX XXXX XXXX XXXXXX/XX/2022. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

Account was sold to third party an now it's illegal to sell an report I would like this to be removed an ask for my XXXX  dollars that is in order since fcra regulations was violated
Product: Consumer Loan

I leased a new vehicle which was financed through GM Financial. My first payment was due XXXX/XXXX/XXXX. 

I attempted to set up electronic transfer from my bank to GM, but GM financial was not set up to accept this payment method. So I had my bank issue a paper check with guaranteed payment to GM by XXXX/XXXX/XXXX. Payment was being sent from XXXX XXXX to XXXX XXXX. 

On XXXX/XXXX/XXXX, and again on XXXX/XXXX/XXXX I checked with GM to XXXX my payment had still not posted. I was going to stop payment but GM told me if my payment would present they would have to charge me a return fee. They suggested I make another payment direct with them. So to avoid any late fees or dings on my credit or the possibility my payment was lost on XXXX/XXXX/XXXX I made another payment. 

On the XXXX/XXXX/XXXX statement it appears both payments posted. However the statement does n't reflect any posting dates for either transactions! I checked with my bank and the original payment sent on XXXX/XXXX/XXXX cleared my bank on XXXX/XXXX/XXXX. This was 18 days after it was sent to GM. 

The fact that it takes over 10 days for GM to process a payment is unacceptable. In addition a statement that reflects no posting dates is also unacceptable. Having been XXXX for 43 years I know there are guidelines regarding these issues. 

I wrote to GM via a survey they sent me on XXXX/XXXX/XXXX outlining these concerns. I did receive a prompt return message to contact them at XXXX. I tried call this number several times. It rings once then there is dead air. 

Can you please look into the above issues. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very concerned about the validity and accuracy of the recent investigation done by Experian. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Experian failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX & XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

LoanCare Mortgage Services have misplaced or not posted my payments 7 times now. I do bank drafts that my bank pulls directly from my account and deposits into their account, however LoanCare keeps stating they didnt receive a payment and call it late when they finally post it 5-13 days later. They intentionally do this to get late fees. My bank has investigated payments and all processed on exact dates I specified. They guarantee this. LoanCare is doing fraudulent things and need investigated.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This letter serves as a formal notice regarding the alleged debt referenced to account # XXXX .In accordance with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C . 1692g, I am exercising my right to request validation of the debt you claim I owe. I do not acknowledge any liability or indebtedness to your company, and until you can provide the necessary validation, I demand that any and all collection activities cease immediately.

I require that you provide me with the following information, within 30 days of receiving this letter : 1. Complete validation of the debt : Provide the original amount of the alleged debt, a detailed account of how the alleged debt was calculated, and a breakdown of any interest, fees, or other charges included. Also, provide evidence that I, [ Your Full Name ], am legally responsible for this debt.

2. Proof of ownership and transfer of the debt : Provide documents showing that Chase Bank legally owns or has been assigned this debt. Include the original signed contract or agreement that allegedly binds me to this obligation.

3. Name and address of the original creditor : If the original creditor is not Chase Bank, provide the full name and contact information of the original creditor, including any other details related to the transfer or sale of the debt to your organization.

4. Verification of your right to collect : Provide documentation establishing your legal right to collect this debt in my state, including any relevant licensing or registration information required for debt collection activities.

Until I receive the requested documentation, I will not respond to any additional communication attempts regarding this alleged debt. Moreover, you are hereby notified that any attempt to report this debt to any credit reporting agency without providing the requested validation will constitute a violation of federal law, specifically the FDCPA and the Fair Credit Reporting Act ( FCRA ), and will be met with swift legal action.

Failure to provide the requested information within the timeframe allotted will be taken as your agreement that the alleged debt is not valid, and I will consider the matter resolved and closed.

Please note that I am documenting all communications regarding this matter. You may respond to my request in writing to the address listed above. Any other form of communication will be considered harassment. 

Thank you for your immediate attention to this matter.
Product: Money transfer, virtual currency, or money service

On XX/XX/20 I received an email at XXXX EST from cash app stating my email and phone number have been unlinked from my account without my consent. I now am unable to access my {$5900.00} balance in my cash app business account. Cashtag is $ XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself. I'm not swayed that Equifax efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. Equifax is reporting inaccurate information on XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Bank account or service

I have XXXX accounts with Paypal. XXXX of which had a negative balance as a result of a disputed transaction unrelated to PayPal directly. PayPal deducted funds from the account with a positive balance to satisfy the account with the negative balance. I have no issue with this. 
However, PayPal has refused to lift the hold on my account with the positive balance, only sending me canned responses to my demand that they lift the hold on my account. They are preventing me from accessing my funds. They keep asking I call them, however, I advised them that I do not wish to speak with them on the telephone.
Product: Credit card or prepaid card

XX/XX/2017 at Walmart. On walmart credit spent {$96.00} on prepaid phone at walmart and XXXX snacks. In XX/XX/2017 XXXX weeks later someone had charged {$790.00} on the walmart credit card without my permission. I called fraud line for walmart credit to synchrony bank to cancel card within a month. Called from library after my phone came up missing. Since then items that I have bought at walmart have came up missing also. Called synchrony four times to dispute charges..
Product: Debt collection

I received a alert on my credit and reached out to the company and was told this debt was mine and I need to pay it as I have never had a account with XXXX they told me they purchased the debt. 

I asked for the address and it was not associated with my address.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of information regarding a debt collection reported on my credit report. My records and subsequent verification attempts indicate that this debt is no longer with the collection agency listed on my report, and as such, should not be reflected in my credit history. Not only that, the debt that is alleged is not at all owed by me as I legally breached a residential lease agreement, under Texas Property Code Sections 92.056 and 92.0561. I also left notice with the landlord, original creditor, XXXX XXXX XXXX. ( See attachments ). Please find the following details relevant to this dispute : Collection Company Reporting on My Credit Report : XXXX XXXX XXXX ( XXXX  ) Original Creditor : XXXX XXXX XXXX Since the day this inaccurate collection account hit my credit report, XXXX, I have reached out to Transunion and the collection company, XXXX  regarding the fact that the debt is not owed by me nor is it the least bit accurate. I received mail correspondence from Transunion on XXXX stating that they are not required to reinvestigate this debt yet they never investigated it to begin with. I mailed all of my correspondence proving this debt is not owed by me and yet this invalidated and inaccurate account is still on my credit report. I've also provided all documentation directly to XXXX XXXX XXXX via mail on XXXX separate occasions and no further action has been taken. I've been getting the complete run around. On XXXX the 30 day time period had passed from the date I mailed my correspondence to them. And, I still didn't have any notification from them about ceasing all collection efforts and removing the inaccurate collection account from my credit reports as a result of the evidence I'd mailed them. During my call, I was simply told that they can no longer discuss the alleged debt with me because they were no longer collecting it and it had been referred out to another firm. Therefore, its continued presence on my credit report is not only inaccurate but defamation of character and erroneous in nature. Transunion has done me a complete disservice in not properly investigating this debt on my behalf. In accordance with the Fair Credit Reporting Act, I am requesting that this item be removed from my credit report immediately as soon as possible since XXXX XXXX XXXX is not the company attempting to collect the debt. Please find attached copies of any documents that support my position. I request a written confirmation of the receipt of this letter within five business days, along with removal of the account from my consumer credit reports. Please inform me of the outcome of your investigation at your earliest convenience. Thank you for your attention to this matter. I look forward to your prompt response. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear SYNCB/PAYPAL, I am writing to address a concerning matter regarding an inquiry reported by SYNCB/PAYPAL, which lacks permissible purpose and, as such, constitutes potential identity fraud. Per my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 604 and 605B, I am requesting immediate action to rectify this situation.

Firstly, I require documentation proving that I provided express written consent for SYNCB/PAYPAL to report the inquiry in question. As there is no evidence of such consent or a court order, I must assert that this inquiry lacks legitimacy and is thus subject to removal.

Per the FCRA Section 605B, a consumer reporting agency must block the reporting of any information resulting from alleged identity theft when identified by the consumer. Therefore, I am formally notifying SYNCB/PAYPAL to remove this inquiry from my file within four business days.

Furthermore, it has come to my attention that SYNCB/PAYPAL neglected to inform me of my right to rescission, as outlined in the Truth in Lending Act ( TILA ), specifically Regulation Z ( 12 CFR 1026.23 ). This allows me to revoke any rights waived, particularly those related to the security interest. I am requesting the CUSIP number associated with the security interest provided to SYNCB/PAYPAL. Failure to provide this information will leave me with no alternative but to initiate a level 3 audit on my account.

I expect prompt compliance with these requests to avoid further escalation of this matter. Failure to do so will be regarded as willful noncompliance and may result in legal action.

Please provide confirmation of receipt of this letter and a timeline for resolution of these issues.
Product: Mortgage

A Notice of Default and Election to Sell has been recorded with the XXXX XXXX County Recorders Office on XXXX XXXX, 2016 in error violating RESPA enforced by Regulations X and Z and the California Homeowners Bill of Rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS INFORMATION IS NOT SUPPOSED TO BE ON MY CREDIT REPORT, THERE ARE MULTIPLE CLOSED ACCOUNTS THAT SAY THEY ARE REFINANCED  ALTHOUGH THEY ARE IN GOOD STANDING THIS NEEDS TO BE REMOVED THERE ARE ALMOST 20 SHOWING THE SAME. 


es XX/XX/90 days late ( Last 7 years ) XXXX Additional Information Responsibility Individual Terms 120 Remarks Account closed due to refinance Creditor Name DEPTEDXXXX Creditor Contact XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Is everything looking correct? 
If not, you can report an inaccuracy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

This is an on going problem. I have been submitting complaints for the last month. Here is the evidence of wrong doing by Equifax, they have placed some type of mortgage on my credit. There is no information provided pertaining to this mortgage that does not exist. Someone from Equifax placed this mess on my credit report to ruin my credit. I have requested the information for this mortgage. The mortgage, company, name address, phone number and amount. They can not provide this information due to a mortgage does not exist. It never has. Take all of this mess off of my credit today.
Product: Checking or savings account

On   XX/XX/XXXX   I went to Citizens Bank to open up a HELOC. I was clear with the bank representative at the time that I just wanted to open up a HELOC and was already doing the rest of my banking at another bank. I did not want to open any additional accounts.     The bank representative said he could do a few things to help reduce my interest rate, which included :  1. Opening a checking account 2. Opening a savings account 3.  Making an initial withdrawal from my HELOC and then immediately depositing it back At the time I was hesitant as the bank representative did not seem completely knowledgable, as if they were new to the job.     They proceeded to open the checking and savings account and then withdrew {$25000.00} and immediately depositing it back. I again reiterated that i do not want to do any banking with Citizens and said I was not going to use these accounts at all and did not want to pay any fees for these accounts.     I am almost  XXXX  y ears old  and have never paid a bank fee in my life. It is a fundamental concept for me to not pay any bank fees.     The bank representative stated that the checking fee did have a monthly fee but that if I deposited {$1000.00} into the account it would meet the minimum to avoid the fee. So I reluctantly deposited the {$1000.00}.     4 years later, in   XX/XX/XXXX ,  I received a letter that my account was overdrawn. I called the bank and they explained that I was assessed a {$20.00} fee per month for 4 years.     I complained the bank and had series of frustrating interactions that had several inconsistencies, with bank representatives telling me one thing at the branch and another on the phone. I explained the situation and they ended up refunding me {$280.00} of the {$1000.00}. I have since closed all my accounts, including the HELOC.     I feel that Citizens Bank opened fraudulent accounts that I did not want and mislead me with the description of the bank fees. This seems very similar to the    XXXX   XXXX     incident where several accounts were opened for people to hit some sort of quota or bonus for the branch. Furthermore, the immediate withdrawal and deposit of {$25000.00} by the bank representative further shows some manipulative transactions.
Product: Student loan

In XXXX, i submitted my borrower defense application. In late XXXX, I was approved for borrower defense loan discharge and received written confirmation in XX/XX/XXXX. However my loan servicer, Mohela, has not updated my account to reflect this update.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft KOHLS/CAPONE Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXXXXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine.
Product: Credit card or prepaid card

I made a payment to my Synovus Bank Visa account on XX/XX/2020 using a check drawn on XXXX XXXX. The payment amount was for {$1500.00}. I have checked with XXXX XXXX  on the phone as well as on-line that the payment was debited from my checking account on XX/XX/2020. I have given this information to the bank. I have the receipt in hand from XX/XX/2020. They refuse to give me provisional credit for the {$1500.00} even though I have provided all the required information. I should not have to wait 48 hours for credit when I have provided the documentation. They have messed me up financially at this point until they decide that I did make the payment. Synovus has said nothing about back dating the payment and crediting me with the payment as well as interest paid on the {$1500.00} for a complete billing cycle. 
If you need account numbers, copies of the receipt, copy of my XXXX  statement let me know. I can't upload a copy of the receipt because I don't have the ability to scan at home.
Product: Credit card

I have had accounts with major credit card companies since 2022 up until now and unfortunately I've had trouble keeping up with my payments recently due to a XXXX XXXX XXXX XXXXXXXX and the companies that i recently worked with was XXXXXXXX XXXX XXXX XXXX XXXX and XXXX XXXX  and capital one savor and XXXX XXXX XXXX XXXX which I've had the same amount of credit since I opened up my account and chime something which was an error went to collections and etc other cards I can't remember and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX 30 DAY LATE FOR XX/XX/2019. ASK THE COMPANY TO SHOW PROFF, THEY HAVE FAILED TO ACKNOWLEDGE AND SHOW PROFF IN VIOLATION OF CREDIT REPORTING ACT
Product: Money transfer, virtual currency, or money service

I have an account with Coinbase which I have held for many years. In early XXXX I tried to withdraw funds from the account. The Coinbase system came back with a message that said my account was restricted. I can deposit funds into the account. I can purchase additional products. I can't withdraw any funds. After 4 weeks and several attempts to send my ID over the secure link they are providing they continue to say they can read my ID and will not unlock my account. This has been going on since XX/XX/2021 and continues to today. 
THIS IS THE MESSAGE I GET BACK FROM THEM ( ) As we've checked your documents, it appears that you were able to upload your ID Selfie successfully. However, it seems that the ID you uploaded shows as blurry and we're unable to read it on our end. ) The case number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove some items that are UNKNOWN to me. Ive already included this in my previous Complaint & I am including it again.These items must be removed entirely from my Credit Report on its next update Here are the aforementioned items : 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: Debt collection

Opened : XXXX Balance : {$46.00} I have no knowledge of this account or debt. I do not live in Kansas.