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

On XX/XX/XXXX, I called in and the rep advised that I can make a payment of {$42.00} by XX/XX/XXXX to avoid being reported late to the credit bureau. THE REP DID NOT SPECIFY A CUT OFF TIME!!! The rep was providing me information that is not on my statement, I should not have to go back and look at the statement to clarify the time. THE REP SHOULD HAVE ADVISED ME OF THIS!!!. I logged in just as she advised and made my payment on the XXXX! I have spoken to XXXX at the Executive offices of XXXX and the company has acknowledged that I was not given a cut off time, however, they are not honoring this. XXXX also has record that I logged into their system on the XXXX and made the payment as directed. The company is using me as a test dummy to train employees, this is bad business! I was given information that I followed that has negatively affected my lively hood! This needs to be corrected immediately, if this is not corrected I will have to proceed with legal action!
Product: Credit card

Destiny and Milestone denied my active claim for credit prorection XX/XX/XXXX stating they didn't get my form i reuploaded XX/XX/XXXX. I called XX/XX/XXXX they said i could not apply for XXXX until XX/XX/XXXX ... yet ive been denied..its needs to be resolved and approved XXXX the recorded call XX/XX/XXXX where they said i can apply for benefits XX/XX/XXXX XXXXmy claim should be retro to that date paying late fee and monthly payment
Product: Debt collection

On XX/XX/year> I received a letter from CBHV for a account that was charged off by the original creditor. They have been harrassing me about this debt by mail and phone email and text.
Product: Credit reporting or other personal consumer reports

These studies are fraudulent, even though I have the authority to do so. I strongly recommend that you do a thorough investigation and remove this item from my credit report. We provide documentation to support your review..
Product: Money transfer, virtual currency, or money service

On or about XX/XX/XXXX I found a home I wanted to rent spoke with an individual on the phone I was to send a security deposit I thought I knew this person I thought I worked with her at the XXXX but it was a phony it wasn't it was a lie anyways I sent this lady {$600.00} through my chime bank account on XX/XX/XXXX and then on XX/XX/XXXX I had to send her another {$700.00} to get the keys to the home rental and of course that's when I found out when it was a fraud this lady I was talking to wasn't even a lady there were two emails she had given me that I had to send that I had to use because they didn't have a chime account and trying to send some money to anyone with their email and that's what we used their emails so I was on XXXX XX/XX/XXXX XXXX and I found the apartment for the house for rent on XXXX I don't think you need to know that but just in case
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent 4 letters to Transunion and the return receipt number is included in the Letter. 
I have sent them letter after letter and they have not removed any of the information that I have made them aware of being fraudulent. 
I am submitting the other letters as proof of me having sent the letters. the only letter that is notarized is the final letter stating that court is going to be the next course of action. XXXX has promptly deleted all information that I have requested of them and we are in the dispute settlement process as we speak.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I am writing to to see if you can help me resolve an issue I am having with the credit reporting bureau XXXX, XXXX, Experian i recently requested a copy of my credit reports from each of the credit bureau. Upon receiving my copies I realize some inquiries on my report that i did n't do. I wrote several letters called several time and still the inquires has remained on my credit reports. The Inquires are XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX/XXXX, XXXX XXXX. I recently send out certified mails to each of these company and I have not heard back from them regarding these inquires. I am asking if you can step in on my behalf this is my last stop to see if I can have these information remove. The only thing they have done is erase the names, addresses, phone numbers, and the person had change around my social security number so they fixed it once i mailed over a copy of my ID, bill with my real address, & S.S.C. to them. They still refuse to remove the inquires that was on my report that i never applied for credit with these company. All the 3 credit bureau did is placed a FRAUD ALERT on credit report for 90 days. I am not understanding why they can erase all the fake names and addresses that the person was using to be me why the inquires ca n't be removed. Please I am seeking help from you or point me in the right direction to get this issue resolve because of all these things it is making it hard for me to really know which way to go. I am patiently waiting on your response. Thank you in advance for your help I really appreciate it.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. 
I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the XXXX data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : Collections/ closed accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Data breach happened, per 15 USC 1681c2 please block and delete this item within 4 business days
Product: Money transfer, virtual currency, or money service

XX/XX/2020 I used Western Union to send money to my fiance in XXXX. They would not release the funds until I answered all of their fraud questions. THEN they said sorry- we can not transfer funds to him and I will be refunded. The funds were deducted from my bank but never refunded. 
On XX/XX/2020, I spoke to the compliance department and was assured than my money would be refunded. 
On XX/XX/2020 I again spoke to the compliance department- they are unable to see any previous conversation AND states the money was picked up in COLORADO on XX/XX/2020. They transferred me to someone else who said the money was picked up in XXXX!!! I never received the usual email notifying me that ANY money was picked up ANYWHERE! 
Each of these representatives ended the conversation by putting me on hold for at least 30 minutes and never returning to the call.
Product: Mortgage

On XXXX XXXX XXXX XXXX XXXX and XXXX XXXX purchased a home at XXXX XXXX XXXX. XXXXXXXX XXXX XXXXOur loan was and XX/XX/XXXX with maybe {$1500.00} as a down payment. The second mortgage has an interest rate of XXXX XXXX. XXXX XXXX moved out in XXXX and did not continue to pay anything towards the mortgage. As I was unable to continue to keep up with the second mortgage and since my home was underwater I was advised that I could file a XXXX XXXX to pay off approximately XXXX XXXX  of my mortgage. Because of financial reasons I fell behind in my XXXX  payments. My case was dismissed on XX/XX/XXXX. Shortly after I started to get phone calls from Veripro Solutions stating I owed {$68000.00}. I had no idea who they were. A few months later I found that XXXX XXXX and XXXX transferred my second mortgage to a collection company that is a subsidary of I the pandemic that if I could come up with a large lump sum they would decrease the amount I was owed. It has also been discussed that if I made XXXX months of payments I could also be helped but informed them I could not afford the {$520.00} a month. Now that my home is worth value I am afraid they will attempt to foreclose nor will they lower my interest rate in which I had no idea was accumulating. I have no idea how to fix this.
Product: Mortgage

received a escrow payment history from ocwen for the years XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. for everyone of these years a escrow account adjustment was taken out of my escrow account. on XX/XX/XXXX a escrow adjustment was done two times. on XX/XX/XXXX the escrow balance was XXXX on XX/XX/XXXX the balance was shown a deduction of XXXX no reasons given. on XX/XX/XXXX the escrow balance was XXXX a adjustment was made for XXXX. when I contacted ocwen they stated it was taken for a new modication. I called the CFPB they told me the escrow money could only be used for taxes and insurance .when you sigh papers for the new agreement to have your mortgage modification they never added any documentations stating they were taking money out of my escrow. there response to my questions have been to email me new payment numbers explaining it was done for the modifications. what is the purpose of a modification to help people who have fallen behind on payments. not to make a new agreement with trail payments and then take your money which has a surplus that should have been sent to me
Product: Credit reporting or other personal consumer reports

I disputed information it was deleted and then placed back on my report. I had multiple credit reports
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SS # XXXX XXXXXXXXXXXX Ph : XXXX I have been getting calls as well as my family members that I owe debt to this company and my credit report does n't show that I owe anything to any collection agency/creditor or I 'm delinquent with any creditors. They mailed a letter to my mom that I am past due with the amount of {$4000.00}. 

This is the information on the letter : Client : XXXX XXXX XXXX File : XXXX Original Creditor : HSBC Account : XXXX Please see collection agency information below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Riverside, CA XXXX Phone : XXXX Fax : XXXX
Product: Money transfer, virtual currency, or money service

Made an online purchase on XXXX-22. XXXX XXXX via Wells Fargo website. I soon discovered that the purchase was fraudulent. Contacted WF for resolution. They opened a fraud claim that was denied for reimbursement on XXXX22. I contacted them again to argue my claim. Agent stated they dont refund these types of transactions!! I deactivated my XXXX account, as I will never use it again for any transactions. It has exposed its nasty underbelly to me!!!
Product: Checking or savings account

I'm trying to get a grant from XXXX XXXX and its not giving them my information to deposit it into my account.
Product: Credit card

While in XXXX, someone gained access to my debit card information and made a series of withdrawals from my account totaling over {$970.00}. Upon returning to the US I discovered the issue and reported the fraud immediately to Chase. They filed a claim and gave me a temporary credit. Three weeks later, I notice that they are reversing the credit from my account without any notification or explanation. When I call Chase they inform me that my claim was denied because ( they claim ) I logged into the website twice between the date of the fraud and the date I reported it. I have no way of knowing if it was actually me who logged in or not, and they have provided no proof. They claim it must be me because there was a login, despite the fact that someone was clearly stealing my information at the exact same time in order to make the withdrawals. Even if it was me that logged in, why does logging in to pay a credit card get them off the hook for losing nearly {$1000.00} of my money? They refuse to give me any additional information or provide a credit to replace my stolen funds, apparently all because of this unproven loophole. I plan to cancel my account and never give any business to Chase again in the future. Clearly this login policy is designed solely to deny valid claims of fraud and save a XXXX dollar company a few XXXX bucks that come of out my pocket.
Product: Credit reporting or other personal consumer reports

This account belongs to the head signer. The car was sold or auctioned off no information was sent of what it was sold for. Some information you have on this report is inaccurate also some of my personal information is not correct. Also I have been a victim of identity theft fraud my social security number has been exposed Ive receive several notices of that. Also my name is a commonly used and has been found on accounts that are not mine.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX  # XXXX UNAUTHORIZED INQUIRIES : XXXX  XX/XX/2023
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I Demand to remove immediately the following accounts from my Credit Report! 

XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX 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: Credit reporting

XXXX XXXX has filed negative and/or derogatory claims on my credit. These claims do not belong to me. The claims are for approximately {$200.00}. 
I sent a letter to XXXX. XXXX on XXXX XXXX, 2016 disputing these claims.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive filed multiple disputes concerning a reported unverified Bankruptcy. As of the last dispute, the Credit Reporting company continues to state it is verified but will not explain in detail how even when ask to. The written disputes made XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX included supporting documentation showing no bankruptcy on most recent XXXX report dated XX/XX/XXXX or XXXX report dated XX/XX/XXXX, and a letter from Bankruptcy court stating it does not report directly to credit bureaus. The Credit Reporting company continues to report an unverified Bankruptcy even when all supporting documents show that it should not be reported, is unverified, and should be deleted. They ( the Credit Reporting company ) continue to say the reporting has been verified without an explanation of how.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX  Account # XXXX, has violated my rights. 

XXXX XXXX XXXX Account # XXXX, has violated my rights. 

XXXX Account # XXXX, has violated my rights. 

XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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. 

XXXX and Transunion is not following the ( FAIR CREDIT REPORTING ACT ) they do not want to remove these inaccurate accounts. The attachments Im submitting to you are from XXXX following the ( Fair CREDIT REPORTING ACT ) showing you that they Delete the inaccurate Accunts.
Product: Credit card

Someone used my personal identity and former address that I used 10 years ago and file credit card applications three times in a month ( from this XXXX to XXXX ). I have called the Chase credit card services and closed those applications and also followed the instructions sending required materials via first-class mail to Chase Card Services to obtain copies of those fraudulent applications on XX/XX/XXXX, and XX/XX/XXXX respectively. I also made two calls to inquire why I have not received the documents that I need to report to the police. I was told that I would receive it in three weeks from the first call. I did not receive anything, then I made the second call when I was told that it would take 30 days. I asked them what number I should call to check where my case is at and was told there is no number to reach out to their investigation team. I must wait. It has been 32 days. I have not received anything from the company.
Product: Credit reporting or other personal consumer reports

I was never late on the paid off account listed above. Please show me documentation showing proof of the transaction that I was ever late to support your inaccurate reporting on my account. If you can not supply this, please delete this alleged late payment from credit report.
Product: Vehicle loan or lease

Requested SCRA benifits on XXXX XXXX from Flagship Credit Acceptance for and auto loan that I had through the company from XXXX to XXXX @ roughly a 19 % interest rate. I have been XXXX XXXX since XX/XX/XXXX and currently still XXXX. Request was submitted for the Key provision State of XXXX  which is my home of record and still is my legal residency. No updates on account outside of " still under review '' for 90 days with no correspondance. More than the minimum required documentation was submitted to the company on two occasions.
Product: Checking or savings account

I am writing to file against XXXX complaint against 5th 3rd bank regarding multiple overdraft fees I have incurred.Despite having sufficient funds when transaction were authorize. I was charged fees due to lagging posting of charges and credits. This issue aligns with the CFPB findings against 5th 3rd bank for similar practices, where transactions settled with insufficient balances despite initially available funds, I believe these practices are unfair and request a investigation into my accounts transactions.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that TransUnion will Investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate XXXX XXXX Account Number : XXXX LAST REPORTED ON XX/XX/year>
Product: Vehicle loan or lease

I had a loan with SunTrust Bank, they merged with BB & T into a bank called Truist. I have been unable to make any arrangements for payment, get questions answered about the account, or had any response from my requests by them. 

Their customer service representatives are not friendly, do not help and put you on hold for very long periods of time. The business appears to respond to complaints with XXXX with a form letter and don't address the issues directly. https : XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX acct # XXXX has failed to validate this account under Fair Debt Collection Practices Act, 15 USCG 1692 et seq., and the Fair Credit Billing Act, 15 U.S.C. 1666.for this account is damaging my credit worthiness
Product: Credit reporting or other personal consumer reports

XX/XX/2023 said I owed money on loan an I never was aware of it. That it was paid an once I found out I still owed then they closed the account as paid. But on my credit report it's still says written off. Which needs to get removed it's hurting me to get a new loan. 
Loan company is called Santander XXXX XXXX tx XXXXXXXX XXXX was owed an I paid it. XXXX.
Product: Debt collection

I have an outstanding debt in collections I noticed on my XXXX XXXX statement. The company claims that I owed for an apartment when I was never on the lease and the address that they are claiming i owe money to is wrong. The apartment has reached out to me in response and said there is no record of owing anything. This lease is not legitimate because I am not on the lease and the address is wrong and there is no record of me owing debt from the apartment complex.
Product: Credit reporting

I have Written TransUnion Several Times via Certified Mail. Regarding the accounts in question.XXXX, XXXX, XXXX, XXXX. These accounts in question have came back Verified but verified with NO documentation within a 30 day period.
Product: Debt collection

I was a victim of identity theft and noticed a collection from CENTRAL FINANCIAL CONTROL I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. SENT THEM AN A LETTER AND THE ADDRESS THEY FURNISHED ON MY CREDIT REPORT IS INACCURATE AND LETTER WAS RETURNED. Police department told me to contact the federal trade commision which I wrote a formal complaint against CENTRAL FINANCIAL CONTROL in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you