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

This account was settled in full on XX/XX/2021, the confirmation number is XXXX, this was done with XXXX XXXX. On XX/XX/2021 XXXX reported derogatory status with a balance still showing. On XX/XX/XXXX, I contacted Mr. XXXX and informed him of this information and requested a XXXX balance letter which he forwarded to me that day.
Product: Credit reporting or other personal consumer reports

I have been affected by XXXX breach and I have accounts and incorrect information on my credit reports. I have filed multiple claims and I want these accounts off my credit report.
Product: Credit reporting or other personal consumer reports

In accordance with the the FCRA XXXX XXXX XXXX XXXX, has violated my rights. 
15 USC 1681 XXXX XXXX states I have the right to privacy. 
15 USC 1681 Section XXXX A Section XXXX : Also states a consumer report in agency can not furnish an account without my written instructions. 
15 USC 1666B : A creditor may NOT treat a payment on a credit card account under an open consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

DELETE THIS INCONFIRMED INQUIRY LACKING CERTIFIABLE EVIDENCE UNLESS PHYSICALLY CERTIFIED VERIFIED PROOF IS DEMONSTRATED PER u. s code 5 U.S.C. 1681 ET Seq. Section 604 of Fair Credit Reporting Act. 

XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I received a notice from my XXXX XXXX XXXX saying that I am in debt collection. The following were the charges from XXXX XXXX : XXXX. XXXX Account # XXXX {$550.00} for address XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX account # XXXX {$840.00} for address XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Account # XXXX {$530.00} for address XXXX XXXX XXXX XXXX XXXX TX From XXXX XXXX XXXX XXXX XXXX account # XXXX {$340.00} for address XXXX XXXX XXXX XXXX TX XXXX
Product: Checking or savings account

Between XXXX 2022, I was using job hiring searches such as XXXX  and XXXX XXXX to find job listings. Having recently retired from XXXX  years of military service, I needed to find employment. 

One hiring agent reached out to me about a position, and agreed that we speak through their communication channel known as 'XXXX  '. This company had a website and all the inner workings as a legit company. It was a position where I'd work from home and they would provide all related equipment ( computer/headphones/mouse/etc ). Through dialogue thru the XXXX app, the company started sending checks to purchase required equipment on my own. Once deposit attempts were made, my bank, USAA, immediately shut down my account, and cut ties with me just as quickly. Any remaining funds in the account were immediately seized, as this account was linked to some bill payments. 

Several attempts were made to reach out to USAA reps ( who provided no information or reasoning ) to get some reconciliation on the matter. When I tried to open another checking account with another bank, they kept the deposit and froze the account citing there is a fraud alert on my name from another bank ( USAA ). A couple letters were written as well with little to no response. 

I reached out to the USAA CEO 's office and an rep called back in about a week saying that the matter was resolved, agreed that I had been frauded, and that there is no more issues with the matter. USAA, however, continues to refuse to bank with me ( to which i'm not concerned ) and the fraud alert still remains on my name and SSN.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity Theft and I am submitting this complaint regarding the fraudulent information I found in my reports. The following items are not affiliated with me nor I received any money, goods, or services as a result of identity theft or they authorized by me. The XXXX, XXXX, and Equifax Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. In accordance with the Fair Credit Reporting Act section 605b, I am requesting the Credit Reporting Agencies to remove the fraudulent accounts and information completely from my Credit File. Below are the items that are reporting on my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$580.00} XXXX XXXX XXXXXXXX Balance : {$100.00} XXXX  XXXX XXXX  XXXX Balance XXXX {$4500.00}. Also, I am going to request to the Credit Bureaus to send me copies of proof of verification or any documents bearing my signature to prove that the disputed items belong to me. In the event that the Credit Bureaus find not signed agreement, immediate removal of the disputed items will be greatly appreciated.
Product: Money transfer, virtual currency, or money service

Online purchase for firewood to heat my home from a fictitious company advertising as a local company on XXXX XXXX. Seller required a {$150.00} XXXX payment for deposit fir a {$370.00} dollar order. Once payment was made they acted like they never received the money and disappeared. Contacted PNC who said they could not reverse or reimburse my payment. I advised them it was digital, how could they not contact the recipient bank and freeze the account for fraud and refund my payment. I was told, too bad so sad, you should only send money through XXXX to people you know... end of story.
Product: Debt collection

XXXX XXXX is the company claiming debt owed in the amount of {$520.00} opened XX/XX/2016. This company is in receipt of notice under the authority of the Fair Debt Collections Practices Act regarding the above referenced debt collectors of the alleged debt be disputed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my names is XXXX XXXX This notice is to inform you that you unlawfully reported fraudulent accounts that arose from IDENTITY THEFT that you did not verify as required by the law on my consumer report. 15 USC 1681b ( c ) furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) information regarding inquiries. Except as provided in section 1681g ( a ) ( 5 ) of this title a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer The following account listed below are a result of identity theft and was not initiated by me I demand that they are deleted immediately My identity has been stolen you are hearby put on notice Whoever during and in relation to any felony violation enumerated in subsection ( c ) Knowingly transfers, possession or uses without lawful authority a means of identification of another person shall in addition to the punishment provided for such felony be sentenced to a term of impressment of 2 years An identification of me has been used without my permission to open serval accounts that have damaged my reputation and damaged my mode of living because you furnished a consumer report without my written permission as stated by federal law 15 USC 1681b permissible purpose of consumer reports In General Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) IN Accordance with the written instructions of the consumer to whom it relates You have aided this fraud by not verfiying these accounts Congress States 15 USC 1681 Fair Credit Reporting Act ( a ) Accuracy and fairness of credit reports ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumers right to privacy Account name - sensible auto lending - XXXX XXXX XXXX XXXX XXXX Pursuant 15 U.S code 1681c-2 Block of information resulting from identity theft 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 not later than 4 business days after the date of receipt by such agency 1 proof of identity of consumer 2 a copy of identity theft report 3 the identification of such information by the consumer and 4 a statement by the consumer that the information is not information relating to any transaction by the consumer have attached all the relevant documents pursuant the above section of the law I demand all the above fraudulent accounts DELETED immediately
Product: Debt collection

Consumer 's car insurance was cancelled due to sell of vehicle. Insurance was paid in full until car was sold. No need to continue paying insurance for a car consumer no longer owns. Consumer does not owe the debt a third party debt collector is attempting to collect. Under the Fair Debt collection Practices Act ( " FDCPA '' ) if consumer sends notification they do not wish to receive further written ( or telephone ) communication from a debt collector, the debt collector must cease contact immediately. Consumer is indigent and judgment proof as consumer 's sole income is Social Security Disability income which is protected income under the Social Security Administration ( SSA ) ; Social Security benefits ( of any kind ) are federally protected income under Section 207 [ 42 U.S.C. 407 ] ( a ) of the Social Security Act ; ( SSA ) and shall not be transferable, levied, garnished or assignable at law.
Product: Bank account or service

I got a Wells Fargo notice on my bank account that said my new card was on the way. I wrote them back and asked them what was up because the account number did not match mine and I did not request a new card. After two emails, the customer service rep told me that my account was " At risk for unauthorized transactions '' and they changed all the account numbers. I went through my account and had no unauthorized transaction up to date, and demanded why they thought I was at risk and why they changed everything without my knowledge and without my permission and they will not tell me. To me it sounds like they 're hiding a security breach, but I 'm super XXXX, I 've had the account numbers memorized for years and they go and change it without even telling me.
Product: Debt collection

XXXX and XXXX was included in bk XXXX XXXX of virginia. They have transferred or sold debt to collection agency which in return is on my credit report in collections status. They stating the info is correct and will not remove out of collection or off my credit report. Now I getting collection mail for accounts that was discharged thru bankruptcy.
Product: Credit card

On XX/XX/2024 I received an email alert that an account was opened in my name. I called to the credit bureaus and discovered that a hard inquiry was made on my credit that wasn't done by me so I reported it as fraud. Today XX/XX/XXXX I received an actual credit card in the mail. When I called different numbers on this paperwork I received many different answers from " it's just a credit proposal to we can't help you with this at this number '' I finally reached an agent that said she closed and blocked the account.
Product: Money transfer, virtual currency, or money service

In mid XX/XX/2019, though I was able to send money using my linked debit card via Google Pay, I was not able to transfer or redeem money sent to me. I have called Google Pay now approximately 20+ times since XX/XX/2019, each time being told either there is not problem with my account and to try to collect/transfer my funds in 24 hours ; or that the " specialists '' have " reset '' my account and that my transfer would certainly go through properly, again, after 24 hours. 
XX/XX/XXXX I again attempted to transfer the {$800.00} which has been residing on Google Pay and was again not able to. After once again calling and being told that I would surely be able to access my money after 24 hours, I closed the account, having had more than enough of their shenanigans. 
Now, having closed the account, Google Pay still refuses to give me money, stating that they will wait 30 days from XX/XX/XXXX to " begin the process '' of " seeing where to send my money, '' which they say will take another estimated 14 days on top of the 30. This would mean that Google Pay will have had my money, at that time, for close to four months.

Please help with what would appear a fraudulent practice exercised by Google as they continue to hold my money hostage.
Product: Money transfer, virtual currency, or money service

I was misled by a friends XXXX XXXX account ( which I had no clue it was her XXXX account until she recently posted on XXXX it was a XXXX  account ) on how she experienced receiving government bail out funds and received a check. I decided to give it a try. She informed me that I need to be referred to a XXXX representative in order for me to qualify. She said XXXX contact the representative regarding the referral and gave me the phone number of the representative for FGGD Bail Out Funds. I texted XXXX XXXX. He requested for my identity including a picture of my ID, SS # and XXXX profile. He said I qualified for the program and to choose wisely on the amount due to the delivery fees. I chose $ XXXX which was {$1300.00} in delivery fees. I paid it upfront in XXXX XXXX XXXX XXXXXXXX XXXX location to XXXX, XXXX. He said your delivery should be in tact. On the day of the check delivery, he texted me and told me the delivery was delayed due to the taxes of $ XXXX which is ( 5 % of the $ XXXX ) needs to be paid prior to delivery according to state law. So I was given the run around to send $ XXXX XXXX XXXX again to erroneous people in XXXX, XXXX. At this point, the tracking was put on hold in Arizona according to the tracking number he provided. I questioned it again on why its on hold and he informed $ XXXX must be paid for insurance fee due to complaints of missing checks. So I paid $ XXXX through my bank and wired the funds to XXXX, XXXX. He confirmed it was received. I then get an email from a FGGD representative stating due to the delivery situation that I went through, my funds were upgraded to $ XXXX and fees of of $ XXXX is required for the check delivery. Mind you, I didnt request for an upgrade which I was very upset with XXXX XXXX XXXX and he advised theres nothing he can do and is unable to refund me all of the funds Ive invested. I have all of the receipts as my proof of funds sent. 

My friend posted on XXXX today XX/XX/19 that she was hacked and XXXX XXXX XXXX is fraudulent and does not work for the Federal Government Grant Department ( FGGD ). Its a scam. Delete his phone number XXXX and XXXX. 

XX/XX/19 Western Union Fraud Department Spoke with XXXX operator XXXX Case # XXXX New tracking # XXXX in replace of tracking # XXXX from XX/XX/19 XXXX XXXX XXXX Western Union Fraud Hotline Tracking numbers and details for every transaction. 
A report will be filed for every transaction. 

XX/XX/19 XXXX XXXX XXXX XXXX No XXXX XXXX XXXX XXXX, XXXX XXXX {$650.00} XX/XX/19 XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$650.00} XX/XX/19 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$750.00} XX/XX/19 XXXX XXXXXXXX XXXX XXXX No XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$750.00} XX/XX/19 XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX {$750.00} XX/XX/19 XXXX XXXX XXXX XXXX No XXXX XXXX XXXX XXXX, XXXX XXXX {$750.00} Total {$4300.00} paid
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Since opening the XXXX account around XX/XX/XXXX, I have been unable to invest the funds in my XXXX account with Optum Bank. I have tried approximately 7-8 times on their website ( " We are unable to process your request at this time. For assistance, please contact us or try again later. We apologize for any inconvenience this may cause. " ). When I emailed support, they sent me an encrypted message on XX/XX/XXXX that was incredibly cumbersome to open with nothing helpful " Due to the nature of your question, it would be best for us to assist with your request over the phone ''. When I called on XX/XX/XXXX, I spend way too long on hold. I need to invest these funds as markets have increased, leaving me with over {$300.00} in missed gains. 

Optum Bank should be stripped of its FDIC membership. They have continually failed to resolve the basic issue of INVESTING. My money, and the money of other hard working Americans, is not safe here.
Product: Mortgage

I am working with Sun Trust/Truist on a VA Streamline Interest Rate Reduction Loan since XXXX of 2021 and I have not heard anything on the status or anything about the where the loan is. 

Truist Bank XXXX XXXX XXXX XXXX, VA XXXX
Product: Debt collection

*On XX/XX/XXXX I received a collection notice from Linebarger Goggan Blair and Simpson LLP ( LGBS ) in an attempt to collect a debt on behalf of XXXX XXXX. The notice was dated XX/XX/XXXX and the account number on the notice is # XXXX. The debit is in the amount of {$46.00} ; *On XX/XX/XXXX I contacted LGBS by telephone to explain that the transponder was returned to XXXX XXXX   XXXX in XX/XX/XXXX when I sold my vehicle ( and did not purchase a replacement vehicle so I had no need for a transponder ). I explained that the transponder was returned and did not owe any fees related to it. The individual I spoke with stated that I needed to dispute the debt in writing by sending a letter to LGBS which I did on XX/XX/XXXX ( letter uploaded ). In that letter I indicated I was disputing the claim as the transponder had already been returned and I requested a transaction history showing the charges that were assessed after the return of the transponder. 

*I was never provided with any information about the disputed debt by LGBS or XXXX XXXX however, I received an invoice from XXXX XXXX dated XX/XX/XXXX. On XX/XX/XXXX I wrote yet another letter to LGBS ( also attached ) that I disputed the debt and I was again disputing the debt until I was provided with irrefutable documentation to support the collection claim ( which would not exist as I returned the transponder in XX/XX/XXXX ). In that letter I stated that if the matter was not resolved in accordance with the Fair Debt Collection Practices Act I would escalate this issue to a regulatory agency. Again, I never received a response to my letter disputing the debt for a second time. 

*Yesterday ( XX/XX/XXXX ) I received a SECOND NOTICE from LGBS regarding the debt. Ironically, the Notice states, " You have failed to respond to our correspondence and we are assuming this debit is valid ''. In actuality, I responded three times to dispute the debt ; a telephone call on XX/XX/XXXX followed by a letter date that same day as well as another letter dated XX/XX/XXXX. 

*I strongly believe that LGBS should be fined for non-compliance with the FDCPA due to their careless disregard of the Act and my rights under the Act. If they are doing this to me, they are obviously taking the same tactics with other consumers many of whom may not know their rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Account # XXXX is not up to date. The negative information on it needs to be deleted. I have spoken with XXXX reps and the was told the ( 1 ) 30 day late payment was not supposed to be on there because the system was down and did not allow payment to process. The following day it was deducted from my account however it still reported late not due to my fault. This was paid and has been on time for a long time. Remove this late payment from XX/XX/2020 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. 
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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello good afternoon, I had an auto loan with XXXX XXXX XXXX in XXXX which has been satisfied in full, unfortunately the account is continuing to show up on my Equifax report as charge off. I satisfied the debt of the charge off in full and would like this account removed from my XXXX report as it is impacting my credit score negatively. I have attached the XXXX debt cancellation form which confirmed the taxes I paid on this debt and a remittance from the lender confirming payment that was remitted to the account/debt. The supporting documents clearly state I have no obligation to the account therefore I kindly request this account to be removed from my XXXX credit report as it is negatively impacting my score. Thank you.