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

I am a victim of Identity theft. This is my official statement about the crime. 
Contact Information Personal Statement Accounts Affected by the XXXX XXXX XXXX XXXX XXXX XXXX FTC Report Number : XXXX First Name : XXXX Last Name : XXXX Address : XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX Phone : XXXX Email : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Theft Company or Organization : Total fraudulent amount : {$0.00} Accounts or Charges Yes, fraudulent accounts or charges appear on my credit report Credit Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Under penalty of perjury , I declare this information is true and correct to the best of my knowledge.

I understand that knowingly making any false statements to the government may violate federal, state, or local criminal statutes, and may result in a fine, imprisonment, or both. 
XXXX XXXX XXXX XXXX XX/XX/2022 Date Use this form to prove to businesses and credit bureaus that you have submitted an FTC Identity Theft Report to law enforcement. Some businesses might request that you also file a report with your local police.
Product: Credit reporting, credit repair services, or other personal consumer reports

applied for home loan and found this account on credit report. this account isnt mine and this is fraud account XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am victim of identity theft, XXXX XXXX and XXXX XXXX has fraudulent accounts on my credit report that needs to be remove immediately.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXX/XX/2019 {$1500.00} XXXX XXXX XXXX XXXX, XX/XX/2019, {$20000.00} XXXX XXXX, XX/XX/2019, {$5900.00} XXXX XXXX, XX/XX/2019, {$1300.00} im requesting to have all negative items removed due to fraud activity. 
i am a victim of identy theft. i have submitted all requested. documents and all reports such as FTC reports and also police reports to each credit reporting agency and i still get no response my rights are being violated and this issues needs to be fixed and removed off my credit report immediately. I have contacted credit agency several times and they keep telling me that all the items meet the requirements to be removed.
Product: Credit reporting

I have filed multiple disputes against unauthorized inquires, and a fraudulent report. Equifax is the only bureau that will not remove them. They said in their investigations they find them to be correct. Even with my court documents on the report, and my stating I did not authorize inquires, because I did NOT authorize them. They were sold from a third party, which I did not agree to. My signature authorizing them is not on anything and equifax can not produce them. 
One rep told me they do n't remove them regardless and they will remain on my report because that is not something they do. Even though the FDCPA states they are to remove them
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2016, I did open a XXXX XXXX account. The account had an outstanding balance as if defaulted due to life circumstances. I negotiated a pay to delete with the creditor and it is still reporting negatively on my credit report.
Product: Checking or savings account

On XX/XX/XXXX, I reached out to Venmo via email stating I didn't recognize a charge on my account. I reached out an hour later to state that I remembered making the purchase and could provide the receipt and ID verification. My account has now been frozen since then ( 9 days, 7 business days ). 

They have emailed once stating they would update me in 5 to 7 business days ( today ) but have not. I called and was told the people who handle freezes don't have phone numbers and to wait 7 to 10 business days. 

My rent is late. I've been out of my meds and food for days. The freeze was initiated by me. I want it taken off or for someone who can unfreeze it to speak on the phone or be available.
Product: Mortgage

On XX/XX/year> the Bank M & T issued a escrow refund to me in the manner of check number XXXX. I never received this refund on the escrow and contacted the bank about this matter. The bank then gave me the run around and stated that I need to " wait longer and not be impatient. '' I waited one week then called again and was told that a stop XXXX XXXX payment was placed and the check was re issued, I then receive a letter stating that the check can not be re issued because it was cashed on XX/XX/year>. I still have not received this check and I have not cashed the check. 

I then call again for the third time and explained that I received the letter and that I have filed a police report for the stolen check and also with the postal inspector as well for mail theft and fraud. I was told that the check was cashed and that they ( the bank M & T ) will not issue it again and that I am " out '' that refund and that they were " sorry ''. 

After being on the phone and getting the run around I was then told by the bank ( M & T ) while I was on the phone that I can not receive the replacement check. And that they are sorry for the inconvenience. I called prior to the check being cased and was told I needed to wait. Because of this it was cashed with out my knowledge and consent due to the bank not taking action in a appropriate manner and time. then was told that they will not re issue the check because it was stolen and cashed by a unknown person. 

I have done everything and more that they asked and even tried to stop the fraud before it was cashed. due to the lazy and poor customer service I am now at a loss of XXXX. And was then told that they will send me a copy of the check so I can see who cashed it. That goes to the fraud department and police. Why do I need it? I didn't cash it. 

That is my money that I have placed in escrow and was in then told that because it was stolen, that I the consumer is at a loss and I just have to accept it. as the theif get to cash my check and nothing being done. I just want my money that I placed into escrow and was a overage. This is unacceptable actions by M & T bank. I have provided the bank, local law enforcement, and the postal inspector with the information. And M & T still refuse to reissue the payment. 

bank address M & T Bank XXXX XXXX XXXX XXXX, NY XXXX mortage and escrow dept # XXXX
Product: Debt collection

I was a tenant at XXXX XXXX XXXX in XXXX. I actually only was a tenant for a month. I moved with permission and I continued in good faith to pay the rent though I did not live in the apartment until a suitable tenant was found. XXXX XXXX XXXX XXXX and XXXX XXXX XXXX in XXXX suffered no loss from this and I paid thousands for a property I did not live in. The company sent a claim to collections out of the blue, in XX/XX/XXXX - more than one year later - and claimed that I owed them a penalty payment that was written into the contract for breaking the lease. Some kind of reletting fee that is extremely excessive and is very unfair to the tenant as the tenant has no choice but to sign and approve all of the terms presented though they are clearly taking advantage of people and their position as a landlord. Most of all, I was told by the property manager that I would not have to pay this obviously outrageous charge of almost {$1000.00} as a cancellation fee. XXXX XXXX XXXX XXXX parked this debt after verbally telling me that I would not have to pay for it and has taken advantage of their position and my health condition. I contacted the property and spoke with XXXX XXXX who said she could not help me. She referred me to XXXX XXXX and I contacted her on XX/XX/XXXX & XX/XX/XXXX with no response. I wrote a certified letter on XX/XX/XXXX. I was ignored. I sent an email to the company 's general counsel XX/XX/XXXX and he didn't bother to contact me. I spoke with Ms. XXXX briefly on XX/XX/XXXX and0 she assured me that she would look into it and has refused to call me back though I called her to follow up and request a letter of deletion on XX/XX/XXXX and XX/XX/XXXX. This has very negatively affected my credit, very negatively impacts my ability to rent an apartment in the future and it is grossly unfair for them to park the debt and just put it on my credit without recourse. I have worked very hard for the last 5 years to keep my credit score up despite many medical problems and bills etc. XXXX XXXX XXXX has carelessly damaged my credit, my ability to rent a property and they absolutely refuse to give me the courtesy of calling me back. They are unprofessional and predatory and they should be investigated for their taking advantage of tenants. 

I have had very severe physical illness for several years and despite my health and financial challenges, I did the right thing and paid this company
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
RESIDENT VERIFY Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX of XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXXXXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX.
Product: Payday loan, title loan, personal loan, or advance loan

I have a personal loan for 5 years. With the amount of {$20000.00} and it start in XX/XX/XXXX every months was {$510.00} for 60 moths. When Covid happened, Tr banks give an extension for 90 days to not pay. The days were XXXX I come back to do the regular payments but when I start the payments again for 3 months XXXX XXXX XXXX XXXXXX/XX/XXXX the amount of {$510.00} went straight to the interest the balance never went Down. I talk with TD Bank about it, they are dont give me any response about it. I have all the statements. I call I when to the bank no anwers. The personal loan ends XX/XX/XXXX but the give supposedly the 90 day extension. Final pay off it supposed to be. {$510.00} but the ask for amount. Of. {$2300.00}
Product: Money transfer, virtual currency, or money service

I received an email regarding a verified account with Skrill which I did not, to my knowledge, create. Given the difficulty I've had in removing fraudulent accounts created with this email address on XXXX and XXXX this is both concerning and likely fraudulent. Against the possibility that I had created an account some years ago for some long-forgotten reason, I thoroughly searched my records and I can find no record of any other email from srkill in my archives. As far as I know the password of this account has not been compromised.
Product: Student loan

I am currently being garnished by an organization that says they represent the DOE ( dept of ed ). They have taken over {$3000.00}, but have not given ANY of it to the DOE. I ca n't get anyone to verify the actual amount of the debt so we can pay it off and no one at the DOE will speak to me. ( they said we need to deal with the servicing agency ) ( Comserve ) I am willing to pay it off IF I could get a definitive answer as to the amount of debt. No one will give me any paperwork from Comserve ( they say by MD law they do n't have to ) NO one will talk to me at the DOE, they say we need to deal with the agency. Can you help me get an answer from the DOE? I would like to talk to you in person if possible, but an email/ letter with a point of contact at the DOE is really all I am asking for. Thank you in advance for any help you can provide. 

Respectfully, XXXX XXXX
Product: Bank account or service

just open the saving account but after one month they closed my account with out any reason
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting agency Equifax was recently hacked by unknown persons. During this attack, personal information about myself, and many others, was obtained and is now in the hands of people who should not have it. Names, dates of birth, SSN,  addresses, and drivers licenses were all things that were collected. 

Equifax did not alert the public about this issue in a timely manner which has opened me up to becoming a victim of identity theft. 

There is nothing Equifax can do to " fix '' this situation because there is no changing my personal information. For the rest of my life, I will not have to monitor my credit even more closely to ensure that someone does not destroy my life.
Product: Checking or savings account

I held two NO FEE accounts with Compass bank which were then acquired by PNC bank in their purchase of Compass. These accounts were converted by PNC to FEE BASED accounts without my notification or consent.

I was unaware of there change of the accounts to fee based accounts because I was never notified by PNC of their change.

PNC charge fees to the accounts, without ever sending me account balance information until such time as the accounts became overdrawn. Only then did PNC notify me of my accounts being in arrears. I then contacted PNC to close the accounts and pay what I owed. I spoke to a PNC representative names XXXX, who closed my accounts and indicated everything was properly addressed. 

Later I received notice from PNC that I had an additional late fee, which upon notification, I promptly paid by credit card. Nonetheless, they submitted an adverse credit event to the Credit reporting agencies. 

I an writing to dispute PNC converting my NO FEE Compass Bank Accounts to PNC FEE Based accounts without my knowledge or consent or me or giving me the opportunity to immediately close those accounts. As a result of their negligence, I have suffered direct financial harm ( loss of principle due to fees ) and negative credit reporting ( due to an overdraft caused by fees ).
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I received an email from XXXX XXXX  informing me that because I enrolled in the XXXX  transfer service on or after XX/XX/XXXX, my access to XXXX  became unavailable. I received no other explanation as to why my access was restricted. 

I waited to see if my access would be restored, but it was not, and I eventually called XXXX in XXXX, XXXX. The XXXX representative told me that XXXX would ask XXXX to remove the block on my profile. After a few days, I was able to access XXXX  in XXXX 's mobile app/website but encountered an error when I tried to use my email or phone number for XXXX. I also encountered an error with trying to use XXXX  with my email or phone number at other banks and in XXXX 's own mobile app. I contacted XXXX multiple times in XXXX, XXXX, but was unable to reach a resolution. I also contacted XXXX  in XXXX, XXXX, and their representative told me they would submit a ticket, but the issue continued to persist. 

I contacted XXXX again multiple times in XXXX, XXXX and explained the issue. They completely unenrolled me from XXXX  at XXXX, but that did not resolve the error with trying to use XXXX  with my email or phone number at other banks and in Zelle 's own mobile app. I believed the issue was on XXXX  's end since the error messages in other bank apps indicated there was a problem with my XXXX  profile, and the error message in XXXX  's app indicated there was a problem with using my phone number. However, I was unsure how to resolve the issue since it started from XXXX restricting my XXXX  access, and XXXX told me there was nothing further they could do since I was already unenrolled from XXXX  at XXXX. I contacted Zelle again multiple times in XXXX, XXXX, and their representative confirmed that there was a block on my profile ( though did not explain why ) and they would submit a ticket, but I am still unable to use XXXX  with my email/phone number.
Product: Checking or savings account

Because of a fraudulent transaction that evolved a paycheck from an employer was hired to bounce I was accused of being apart of the scam and it left my account XXXX to est. So I took action to explain me side and was treated poor by the bank customer regarding the issue
Product: Credit reporting or other personal consumer reports

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a credit card with XXXX XXXX XXXX  ( Total Credit Card ) which I closed in XXXX of this year due to outrageous fees. 

I was charged a yearly fee, around the time I closed the card and was told the fee would be returned to the account I used to pay my bill each month and should arrive in approximately 7 days. This was over a month ago. Several follow up calls have yielded different answers. I have heard my request is still processing, I should received a check in 7-10 days, and the check is in the mail. Almost two months later, I still have not had this fee returned. 

Second, I closed the card in XXXX and paid the balance in full. I never carried a balance on this card and always paid it off every month. Not only are they still reporting a balance, they are reporting that I am over my credit limit ( due to the annual fee they charged ). Not only do I have a XXXX  balance and have had a XXXX   balance since XX/XX/2020, I have had no luck getting the company to remove this from my credit report. I filed a dispute with the credit reporting agencies in XXXX about the incorrect balance/account status/over the limit remarks, which resulted in the card showing as closed and the balance being {$0.00}. Then, early this month, the company again reported the same incorrect data to XXXX, resulting in a nearly 50 point reduction in my credit score. I have filed a another dispute with XXXX to have this removed again, however, it comes at a time when I am rebuilding my credit and attempting to purchase a new home in the next few months. Such a drastically reduced score, due to the incompetence or criminality of the card issuer/credit agency, has negatively impacted my ability to seek other credit/mortgage options and may end up costing me significantly more in interest once the home loan process is complete.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a car loan from XXXX XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, Equifax, XXXX, and XXXX XXXX XXXX with no successful resolution. XXXX, Equifax, and XXXX  reporting me 30 days late in XX/XX/2019. There was an error on their part. I was never 30 days late.
Product: Checking or savings account

Subject : Reconsideration Request for Fraudulent Transactions Dispute - Claim Reference Number XXXX I am writing to express my dissatisfaction with the outcome of the investigation related to the fraudulent transactions on my account, referenced by Claim Reference Number XXXX. According to the email received, the investigation concluded that no error was found, and I am deemed responsible for the unauthorized activity. 

I find this resolution unjust, as it seems unreasonable to thoroughly investigate and determine the legitimacy of fraudulent transactions within a mere 24 to 48 hours. Considering the complexity of such matters, I request a reconsideration of my claim and an immediate credit to my account for the funds associated with the unauthorized activity.

I believe this request aligns with consumer protection laws, specifically the Electronic Fund Transfer Act ( EFTA ) and Regulation E, which outline the rights and responsibilities of consumers and financial institutions in cases of electronic fund transfers, including unauthorized transactions. 

According to EFTA and Regulation E, consumers are entitled to prompt investigation and resolution of reported errors or unauthorized transactions. I urge you to review my case thoroughly, taking into consideration the substantial inconvenience and potential financial impact I am experiencing due to the unauthorized activity on my account.
Product: Debt collection

i checked my credit report resently and discovered a collecttion company has reported a loan for collecttion on my account
Product: Credit reporting

I am disputing XXXX reporting negatively on my Experian credit report. I asked Experian to investigate and they replied that they verified the accuracy of XXXX claim. Experian states that if I have additional relevant information that was not present when previously disputed, they would re-investigate. I now have additional relevant information ( attached ). 
If XXXX is claiming I have a debt, they have not done so clearly, and I have no idea from when the alleged debt originates. I have attached XXXX letters sent to me from XXXX different companies regarding the alleged debt XXXX. While XXXX may have purchased a debt in 2011, I have yet to see where this debt came from, and Experian has yet to send me the evidence either, which they said they would. If XXXX purchased an alleged debt, their tactics of using these XXXX companies is confusing and shows their misleading approach. 
I argue that the use of their confusing debt collection tactics as shown here and Experian not sending me the evidence that shows the validity of the original debt, gives me no reason to believe that this purported debt is mine. In this dispute I show that this is yet another trick that XXXX is playing that is not allowing me, the consumer, to clearly and plainly manage my finances.