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

I am writing to formally request that fraudulent accounts and inquiries listed below be blocked and deleted from my credit report pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), as I am a victim of a data breach. I have not authorized these accounts or inquiries, and they are the result of identity theft. 
XXXX 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made a ftc report
Product: Credit card

I am disputing the collection account with SANTANDER, account number XXXX XX/XX/year>, with a balance of {$490.00}. This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that SANTANDER, provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.
Product: Debt collection

Please Remove this information from my credit report pursuant to section 15 U.S Code 16815-2 ( B ) of the fair credit reporting act. If a consumer submits a identity theft report to a person who furnishes information at the address specified by that person for receiving such reports stating that information mantained by such person that puports that relate to the consumer resulted from identity theft, the person May NOT furnish such information that puports to relate to the consumer to any consumer reporting agency, unless the person subsequently knows or is informed by the consumer that the information is correct. The information is NOT Correct infact i was incarcerated on XX/XX/XXXX and released to the federal re - entry half way house in XXXX making it Impossible for me to have obtain or use ANY form of credit card or obtain any form of financial loan at the time of the account openings. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX
Product: Vehicle loan or lease

I purchased a XXXX XXXX XXXX from XXXX with the extended warranty on XX/XX/XXXX. The first issue I had with the vehicle occurred within the first 3 months of driving. The vehicle had an issue with the XXXX XXXX, so I took it to the Dealership for repairs because it was still under dealership warranty. The next issue occurred XX/XX/XXXX, the XXXX XXXX XXXX came on so I took it to get Diagnosed and repaired. The issue was a XXXX  ( XXXX ) it was replaced with a new XXXX and they performed a XXXX XXXX. I also had the XXXX XXXX  replaced because they were damaged.The vehicle ran okay for 2 days before the XXXX XXXX XXXX  came back on. I took it back to XXXX XXXX and they stated that the XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX contacted the warranty company to see what they wanted to do because the car is still under XXXX miles. I've sent in all of my service records as requested but still NO ACTION from the warranty company ( XXXX ) on getting it repaired. The warranty company has not returned the calls about getting it repaired for the past 2 weeks per the contract that I purchased to have the car covered for the extended period. I have all my service records on the vehicle.
Product: Debt collection

I had a collection account as a result of an account that I had with XXXX. I made a settlement payment to satisfy this debt and in agreeing to settle the debt I was told by the agent that upon receipt of my payment the debt would be totally removed from my credit reports. Even after paying this debt with Hillcrest Davidson and Associates in XXXX Texas the debt was again sold to another collect agency, XXXX. I contacted XXXX XXXX and spoke with an agent named XXXX, who informed me that I could pay half of the {$1600.00} bill and the bebt would be removed from my credit reports. I informed XXXX this debt was paid off with Hillcrest and Davidson, to which XXXX responded that Hillcrest was a fraud and unless I paid them the debt would remain on my credit reports. I then again contacted Hillcrest, who stated XXXX XXXX is a fraud and they provided me with a letter to verify the said debt was indeed satisfied. When I inquired about this unethical mishap/behavior, I was told by XXXX the account was sold to them about six months ago from XXXX, which is unfair and unethical, as the debt had been settled with the first agency, almost a year ago. After the debt was n't removed from my credit I contacted Hillcrest and Davidson as to why this debt had not been removed from my credit report. I informed them this is what I was told by the agent who set-up payment of this debt. After giving the agents name I was told he was fired because of misconduct.
Product: Bank account or service

Everything started from the following dates the Month of XXXX ; XX/XX/XXXX up until XX/XX/XXXX with me making cash deposits into NFCU ATM in XXXX, Maryland in XXXX XXXX County ATM Machine. I stick to the same patterns every month by depositing cash into NFCU atm 's. I thought cash post instantly regardless of the time of the cash deposit 's. For at least starting from XX/XX/XXXX my bills were getting paid by NFCU, No return fee 's for my paid items, etc. when I made these cash deposit 's. I have an agreement starting back from XX/XX/XXXX with XXXX they 'll deduct from my husband and I joint checking account every two weeks when I get paid they 'll deduct on my pay dates {$41.00}. I never had a problem until XX/XX/XXXX, NFCU just decided to start start charging me return item fee 's. I stuck with my same process by putting cash within our checking account. I requested an audit on my account from NFCU Starting back from XX/XX/XXXX until until now regarding " All '' deposit 's made into our account. I requested in written through email on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX to XXXX XXXX XXXX office and NFCU Priority email box to complete an Audit on our account. I even spoke to XXXX XXXX on XX/XX/XXXX about requesting in writing an audit done on our account. As of yet I have n't received my information. I aso spoke to a supervisor through customer service on Tuesday, XX/XX/XXXX XXXX to make sure that my XXXX bill will be paid, if I did n't call to verify that my XXXX will be paid. NFCU would purposely returned that item and charge me a fee. The supervisor advised me that if a consumer makes a cash deposit through NFCU ATM before the XXXX cut-off time they will pay that item for you. I receiving mix signals from NFCU Employees saying different information regarding a consumer making cash deposits through the ATM machines. On, Tuesday XX/XX/XXXX, I purosley went into the NFCU XXXX Maryland branch around XXXX I asked the teller will my cash post to my account he said " Yes '' all cash depsoit 's post 's immediately going into the branches and using the NFCU Atm 's machines. So I feel that NFCU are performing unfair practices on consumer 's account 's so they can make money by purposely returning items to hit the consumer with {$29.00} fee ( s ). I do want my audit done regarding all deposit 's made starting from XX/XX/XXXX up until XX/XX/XXXX. I want them to return that {$29.00} back from XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

These following accounts are activity of identity theft and is not authorized by my please investigate and remove them : XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

I am filing this complaint regarding a paid repossession that is still being reported on my credit report. 

XXXX XXXX XXXX ACCT # XXXX ACCT # XXXX Under 15 U.S.C.

1681c ( a ) ( 4 ) of the Fair Credit Reporting Act ( FCRA ), negative information, including repossessions, must not be reported after seven years from the date of first delinquency.

I have already paid the balance in full, and I believe this account should no longer be reported, or at the very least, it is being reported inaccurately. The continued presence of this account is unfairly harming my credit profile.
Product: Credit card or prepaid card

They keep saying I closed the account and they wont send me my replacement card and having hard time
Product: Vehicle loan or lease

I applied for a loan on XXXX with XXXX, a division of SunTrust bank. They rejected my application and said they would disclose the reason within XXXX hours. I never rec 'd this letter. I filed a complaint with the CFPB shortly thereafter. SunTrust-XXXX XXXX proceeded to respond with a letter dated XXXX stating the reasons for XXXX 's rejection. My XXXX score on XXXX was XXXX, verified by XXXX. XXXX reported it as XXXX, a fraudulent score based on this back dated letter based on the complaint they rec 'd. They also indicated in the letter that I had delinquent accounts, of which I have XXXX currently. XXXX XXXX and XXXX responded to my complaint as a TOTAL and COMPLETE lie! Again, I rec 'd no such letter or email from XXXX indicating the reason for their rejection. I rec 'd numerous acceptances of the same loan from the same credit bureau- XXXX of which the score was XXXX, NOT XXXX as XXXX XXXX about.
Product: Credit reporting or other personal consumer reports

I am not liable to any dept with XXXX do I have a contract with them and they did not provide me with any signed agreement between us this was investigated by XXXX and Deleted
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15 USC 1681 a ( 4 ), you are required by federal law there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. 

Its the consumer right to privacy and bankruptcy should not be listed on my credit report as this is a private matter.
Product: Debt collection

I do not have a debt with this company. I have sent in multiple debt verification letters to no avail. I demanded that they stop reporting invalid information on my credit report and they continue to do so.
Product: Debt collection

Lloyd-Mc Daniel law firm wore taking money from my checking account for 5 months then they stop I call them and they dont give me the explanation just referred me to the bank that I had credit card XXXX  after XXXX XXXX of waiting I found out that the account was close I never received a letter from Lloyd-Mc Daniel about this account they took {$500.00} and I want to find out if they took the money for them self and? Im collecting social security and I lost my job.This law firm was ruthless and they need to be investigated Thank you XXXXXXXX XXXX
Product: Vehicle loan or lease

Fraudulent loan from Ally financial on my credit report Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Here is the list of accounts that do not belong to me or were opened without my permission. 
XXXX ( Original creditor ) XXXX Balance : {$14000.00} ; XXXXXXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance : {$770.00}.
Product: Money transfer, virtual currency, or money service

I am filing a compliant against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CAPB ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

On XX/XX/year> I made a large, lump sum payment to MOHELA to pay off a student loan. 

The amount I paid was {$10000.00}. That amount was removed from my bank account on XX/XX/year> and sent to MOHELA. 

My bank, XXXX, confirmed that this amount was sent to the company and they provided me with a proof of transaction form. 

I called MOHELA on XX/XX/year> and they told me that they did not see my payment and they had no explanation as to what happened to my money. They told me to upload proof that the money was removed from my bank account. They provided no timeframe as to when this would be resolved. 

Meanwhile, the loan that I paid off entirely a month ago is still present on my account and accumulating interest. 

I uploaded the document that my bank provided to me -- proving that I paid the loan. I also uploaded MOHELA saying that I have made no recent payments and the loan that I paid off still showing on their website and accruing interest ( even though this loan was paid off 30 days ago ).
Product: Credit reporting or other personal consumer reports

Equifax is reporting the following account incorrectly XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Equifax is reporting the account 30 days late in XX/XX/year> and it is also reporting the account as being an Open account. 

I called and spoke with a member of the Credit Card Servicing Team on Monday XX/XX/XXXX and was told that the account was closed on XX/XX/year>. 

So my complaint is Equifax is reporting two different things incorrectly so how can either one be true or correct. 

I have attached a screenshot of my most recent Equifax Report on XX/XX/XXXX and it shows the account being open and with no late payments.
Product: Money transfer, virtual currency, or money service

I opened a XXXX XXXX XXXX account and savings account online on XX/XX/2021. As soon as I opened it it gave me the option to fund my bank accounts via direct deposit from my current bank. I direct deposited {$2000.00} into my XXXX  checking account and {$20000.00} into my XXXX savings account from my current bank, Santander. It left my Santander account on XX/XX/2021. I received the funds in my XXXX  account on XX/XX/2021 and was able to see it in my XXXX mobile banking app. On the same day I received it, that night I received an email that my XXXX  account is locked and to visit a branch. I visited a XXXX branch on XX/XX/2021 and they unlocked my account. My {$2000.00} deposit was in my XXXX checking account, but my {$20000.00} was gone from my XXXX  savings account. They told me that I would see it back in my account later that day. It never came back. The next day on XX/XX/2021, I returned to the XXXX branch and they told me that XXXX reversed the {$20000.00} deposit and it should be back in my Santander in 3 business days. I waited 5 business days and I still never received the {$20000.00} back in my Santander account. I went back to XXXX XXXX on XX/XX/2021. XXXX said they didnt have the funds because it was sent back. They had me call Santander and Santander said they hadnt received any funds from XXXX. Then XXXX said they would have to call XXXX, which they explained to me as the middle man between the two banks. I came back later that day to the same XXXX  branch and was told that someone at XXXX was assigned to find my {$20000.00} and a claim had been made. I was told I would hear back from them the following Monday. I never heard from anyone. I went back to the XXXX branch on XX/XX/2021 and they had me file a claim with Santander bank. It is now XX/XX/2021 and I havent heard from either bank about where my {$20000.00} is.
Product: Credit reporting, credit repair services, or other personal consumer reports

If your company has indeed mailed me a 1099c for account # XXXX please provide me with documentary evidence such as a tracking number or green slip showing my wet signature that I got this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account with XXXX XXXX XXXX  for my mortgage was supposed to be fixed. Upon disputing with Experian XXXX and XXXX, experian now shows dispute closed but late for XXXX which is WRONG. 
I HAVE never been late on this loan. XXXX already responded to CFPB acknowledging their error. They have not fixed this and are and are answering disputes reporting me late for XX/XX/2019.
Product: Money transfer, virtual currency, or money service

During the week of XX/XX/XXXX, I was contacted by " XXXX '' from " XXXX XXXX XXXX XXXX '' ( supposedly located in XXXX, GA ) about a proofreading and copyediting job that I applied for on a freelancing platform called XXXX. She said that I would be a good candidate for the position, and her associate, " XXXX XXXX, '' will get in touch with me over XXXX should I be selected for the role. After talking to XXXX, she informed me that I had been selected for the role. She sent me an offer letter for me to sign and return, and startup funds totaling {$4600.00} to purchase work equipment ( i.e., XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and installation & handling fee ). On Thursday, XX/XX/XXXX, XXXX instructed me to contact the company 's approved vendor representative, " XXXX XXXX, '' via text message to transfer the funds through XXXX to purchase the necessary work equipment. XXXX instructed me to transfer the funds in {$500.00} increments. After I transferred a total of {$1500.00}, my bank ( i.e., Bank of America ) alerted me that this was a scam and that I should stop all communications with these individuals. In total, I lost {$1500.00} to this job scam. 

I filed a claim with my bank immediately to see if they would credit the amount that I transferred to XXXX. However, after waiting for a period of 12 days, Bank of America informed me that they were unable to approve my claim because their records indicated that the transfers were completed according to my instructions, so, therefore, no errors occurred on their end. I'm disappointed in their response because I believed my situation met the parameters set forth under Regulation E ; however, there was no mention of that anywhere in their letter. They are currently in touch with the bank that received my transfers ( i.e., XXXX XXXX ) in an attempt to recover the funds. This may take up to 45 days ( as of XX/XX/XXXX ).
Product: Money transfer, virtual currency, or money service

Hello, I transferred an international transfer from my account in XXXX XXXX XXXX from XXXX XXXX in the amount of {$15000.00} on XX/XX/year>. The transfer was tracked XXXX XXXX to a beneficiarys account in XXXX. The intermediary bank for the international transfer process was HSBC XXXX XXXX USA, and the transfer was rejected by the intermediary bank. HSBC XXXX XXXX USA as shown by the international transfer tracking XXXX XXXX from the date of XXXX, i.e. 11 days ago, but until now the amount has not been returned to my sent account, and when I contact my bank, the response is that Until now, we are waiting for the intermediary bank to return the transfer amount so that we can return it to your account. No, I need help and solve the problem and return the transfer amount to my account. 

Thanks XXXX XXXX XXXX
Product: Mortgage

Purchased home via conventional mortgage. The lender charged a {$200.00} survey fee, yet they never performed the survey. The lender refused to refund the fee for the survey that was never completed. 

See communication for the title company below : On XX/XX/XXXX, at XXXX, XXXX XXXX XXXX wrote XXXX XXXX The {$200.00} was returned by XXXX XXXX to your lender with the signed loan package on XX/XX/XXXX. As we did not require a location survey, we did not order one. The lender included this fee in the closing costs on your closing disclosure but when we disbursed the file, there was no survey invoice to be paid. The options are that a survey can still be done if the lender sends back the {$200.00}. Otherwise, your lender should refund the {$200.00} to you directly as we no longer have those funds. I apologize for the confusion on this but I will have our accounting folks let me know if the check has cleared our account. I will send a copy if so. Thanks WARNING FRAUDULENT FUNDING INSTRUCTIONS Email hacking and fraud are on the rise to fraudulently misdirect funds. Please call your escrow officer immediately using contact information found from an independent source, your realtor or the internet, to verify any funding instructions received. We are not responsible for any wires sent by you to an incorrect bank account. 

WE DO NOT ACCEPT OR REQUEST CHANGES TO WIRE INSTRUCTIONS VIA EMAIL OR FAX. Always call to verify. 



XXXX XXXX XXXX VP , Residential Operations XXXX XXXX XXXX XXXX XXXX XXXX. 

XXXX XXXX XXXX., XXXX XXXX XXXX , Ohio XXXX PH : XXXX Cell : XXXX Fax : XXXX Email Address XXXX XXXX
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 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 XXXXXX/XX/XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and have been disputing this account for over 3 years with zero progress to resolution. I have provided many identity theft reports and disputes and they keep reporting this debt as mine. I am filing this complaint as my last attempt to resolve this fraudulent account and after this I will be filing lawsuit.
Product: Debt collection

I am disputing this debt collection from Capita l One Secured Credit Card for the following reasons : I was finding it difficult to meet my financial obligations after I lost my job. I owed Capital One   XXXX  dollars, on a secured credit card when the account went into collection. At that point I could barely cover my rent and food. I notified them, but they kept adding on charges. I will repay the {$92.00}, butI asked them to forgive the interest. I now have anoth er Capital One card, Im  paying my credit on time and I am trying to pay my debts and rebuild my credit. They are asking for  XXXX  from the  XXXX  that I originally owed. I received a letter in  XXXX  that offered 40 % off, which would be  XXXX , I would like to settle for this amount only now they are refusing. I am not making a lot of money now as a   XXXX   XXXX  , I am just trying to clear my credit.
Product: Debt collection

I paid in full and received it in writing however afni still acquired the account way after settlement and it 's showing on my credit report. Afni should not be reflected anywhere on my report because it was paid in full to XXXX