23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I filed a dispute with XXXX on behalf of my identity being stolen, a large amount that was deposited into my account then transaction after transaction made upon my behalf that I did not do was aware of nor gave any permisson or acknowledge what so ever of any of this. I filed the dispute on XX/XX/2022. Transactions began & Started on XX/XX/2022. There was a very lot of amounts & transactions, the largest was {$3200.00} which was deposited on XX/XX/2022. Everyday thereafter was a transaction, at different locations for different amounts. I have tried sending any and all documentation i havent received a phone call or an email with any information or action in moving forward to resovle this issue for me. This is a very large amount that i work hard for everyday that someone else has enjoyed and stole. Ive already been scammed on XXXX for {$1500.00} that never gotten resoved or even helped nothing was or has been done. I would be greatly appriciated if i could get some jhelp in getting this XXXX resolved.i look forward to hearing back and getting ths taken care of.
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. 

Account name : XXXX  Account number:XXXX  Account name : XXXX XXXX Account numberXXXX  Account name : XXXX XXXX Account number:XXXX has violated my rights. Or list of inquiries 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: Mortgage

Technically, servicers are not even allowed to require a written application to consider borrowers for FHA loss mitigation right now ( FHA went to a streamlined process during the pandemic ). The fact that they are giving me the runaround and requiring me to fill out applications is an issue. I have submitted an application also thru email and never received a response either.
Product: Debt collection

XXXX XXXX is harassing me and put false debt on my report that does not belong to me. I contacted them but no response back. They keep reporting XXXX debt on my report
Product: Credit reporting or other personal consumer reports

I'm concerned about an unfamiliar inquiry on my credit report. I didn't authorize or consent to this company accessing my information, I'm trying to understand how and why this happened and it's causing me a lot of stress and anxiety.
Product: Checking or savings account

I tried to withdraw {$200.00} from a USAA ATM at XXXX XXXX at XXXX on Monday, XX/XX/2021. The machine shorted me {$60.00} and only dispensed {$140.00}. I have an account with USAA and called the number on the ATM when I got home at XXXX and told them what happened. They were able to credit me the {$60.00} pending an investigation. A letter was posted to my account on XX/XX/2021 stating that their investigation was complete, that the correct amount was dispensed, and that the temporary credit of {$60.00} would be reversed on XX/XX/2021.
Product: Checking or savings account

Citi sent me an email for a promotion that allowed for a {$300.00} account bonus if you opened a new access checking account and completed XXXX qualifying direct deposits with 90 days. I opened an account and completed the required direct deposits. They also sent me an email saying congratulations that I qualified for the account bonus. After I never received the bonus I called citi and was told that I would have to wait 90 days rather than 30 days top receive the bonus. A week later I called back and was told that since I had previously had a citi account I didn't qualify for the bonus offer. If I didn't qualify, they could have explained that to me at the time I opened the account and used the promotional code.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting agencies Experian, XXXX and XXXX is reporting a Closed XXXX XXXX  Account # XXXX opened on XXXX XXXXXXXX XXXX XXXXXXXX XXXX  Account # XXXX opened on XXXX XXXXXXXX XXXX Account # XXXX opened on XXXX XXXXXXXX XXXX XXXX XXXX  Account # XXXX Opened on XXXX XXXX Dept Of ED/XXXX account # XXXX Opened on XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX opened on XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXXXXXX XXXX  account XXXX XXXX XXXX on XX/XX/XXXXXXXX XXXX XXXX account # XXXX opened on XXXX XXXXXXXX XXXX  account # XXXX opened on XXXX XXXX XXXX XXXX XXXX account # XXXX opened XXXX XXXX XXXX account # XXXX Opened on XX/XX/XXXX XXXX
Product: Debt collection

I recently ran requested my credit report from the 3 major credit reporting bureaus and noticed a collection account wherein a company called Portfolio Recovery Associates has reported negatively to the 3 major Credit Bureaus claiming I owe money to them, specifically {$3900.00}. I have never applied for or opened an account with Portfolio Recovery Associates nor have I given permission to them to use any of my personal information to open an account. I have recently reported this to the 3 major credit bureaus in addition to filing this report. 

I sent a certified letter on XXXX XXXX, XXXX  requesting proof of any contractual obligation I might have with them. They received the letter on XXXX XXXX, XXXX  and, to date, they have yet to supply this, but have not removed their report to the credit bureaus.
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will violate the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

Contacted Discover to pay complete balance on or about XX/XX/2020. Was given a figure of {$1100.00} which I paid through my bank online in 5 minutes. Thought it was done and account would be closed. However, a couple weeks later I get a statement with a positive balance of {$6.00}. Called them and said send me a check and close account. That was 3 months ago. Not only did they not send me a check like they said, I keep getting statements with the + {$6.00} balance. They are 3 months overdue on payment. I would like to charge them {$28.00} a month late fee like they had no problem doing to me. I have all the documentation. What they are doing is just wrong and think everyone is stupid. They kinda acted offended when I said I want to pay of balance and close account. I think they should be punished somewhat..it 's not the {$6.00}, it's the fact they didn't do what they said..could have been so easy. Now, I'm kinda XXXX XXXX. I think punitive damages should be considered. Look forward to hearing from you. I'm no shrinking violet..
Product: Mortgage

XXXX problems with the closing for our house on XX/XX/2021 ( XXXX weeks ago ) : 1. Our bank, Bank of America, still collected the payment for XXXX and has not sent us the money ( {$2000.00} ) 2. They also have not sent us our escrow monies ( {$5900.00} ) I called the bank 3 times, immediately after they took an extra mortgage payment and XXXX times over the next few weeks ( XX/XX/XXXX and XX/XX/XXXX ). The last time I spoke with XXXX on XX/XX/XXXX at XXXX. Each time they assured me that the mortgage payment was collected in error and that the money would be sent to me within a week. They also said they would send it express mail. 

It has been XXXX  days ( XXXX weeks ) and we still do not have our money. What if we depended on that money ( especially the extra mortgage draw? ) to pay rent or eat? This is unethical and unacceptable! 

Please advise how we can get our money.
Product: Student loan

Fed Loan is inaccurately reporting the status of the Student loan payment status. I have reached out and contacted them to no avail. They are aware of the permenant and total XXXX discharged account with the Dept of Education. However, they are still reporting my payments incorrectly which is affecting my credit profile negatively. The Dept of Education has indicated that Fed Loan was notified, however, they failed to update any status reporting to the credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good afternoon. I'm writing to inquire if your organization could help me with an identity theft issue and an unscrupulous banking arrangement between Netcredit ( XXXX, IL ) and XXXXXXXX XXXX XXXX XXXXXXXX XXXX ( XXXX, OH ). Their service is one of three that allowed bad actors to attempt to borrow large sums of money against my credit profiles. While the other two " banks '' quickly handled the fraud issues and their respective hard pulls against my credit profiles, both Netcredit and XXXXXXXX XXXX XXXX XXXX XXXXXXXX have refused to correct this matter. 

Thus far I've submitted complaints on the FTC and Ohio XXXX websites, but nothing has happened and frankly I'm not expecting much from these agencies. However, I want to protect my credit profiles and send a message to fradusters like these jokers. 

While I've already locked all three of my credit profiles, I'd like to know if I have any legal remedies available to me since XXXXXXXX XXXX XXXX XXXXXXXX is based in Ohio and I'm an Ohio resident. Perhaps a cease and desist or demand for compensation for time spent working to rectify their debacle? 

In any event, please review the following thread and attached emails in PDF format regarding this matter and let me know if this is something your organization may be able to assist with resolving. Thank you in advance for your time and assistance... and I really hope that the CFPB can help me.
Product: Credit reporting or other personal consumer reports

XX/XX/year> XXXX was paid in full and should be off my credit report.
Product: Mortgage

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX LN # XXXX To whom it concerns : My Loan was purchased by Lake view loan servicing LLC XX/XX/XXXX. I made changes to my bill pay and auto payment through my bank.. Fast forward, My XX/XX/XXXX payment went out as usual. The statement arrived and show that I had a late fee and the payment was over due. I call loan care immediately, I called my bank. Long story short. 
The loan payment had been going to an account number not the loan number. I went round and round on the phone, finally spoke with a supervisor, a XXXX XXXX. Well he got most of my issue straight. The XXXX payment did post the missing money was found. 
My XXXX payment went out on the XXXX of XXXX. The money got refunded to my account thanks to Mr. XXXX. 
So, for XXXX payment, I had my bank send a check. ( accelerate XXXX payment ) The check was to arrive by XX/XX/XXXX. I have called lakeview loan servicing. They can not answer to where the check is. nor an accurate time line to process. I ask about the late fee? Well payment is due by the XXXX. '' Late fees are automatic. You might get a one time waiver '' The front line phone people have no answers but get the money ... 

1. It should take 7-10 days to process my check 2. The check has been there for over a week. It has not posted 3. late fees automatic? I'm not late, its their process that's late. 
4. There is no continuity to correct problems.. Every time you call, get a new employee and issues start all over and no one knows what to do. just follow script for answers to the customer .... 
I
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received the attached letter from XXXX  Saying they have deleted this account because they could not verify the accuracy of it. On XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX I sent letters to all three credit bureaus asking them to check the accuracy of the date filed the case number along with all other items listed on my report. After much research I have found that the bureaus can only verify this information with XXXX  There is no account On XXXX and therefore should be removed from all three bureaus.
Product: Checking or savings account

On XX/XX/year> and XX/XX/year>, two fraudulent withdrawals were made against my Wells Fargo checking account, the first for {$4000.00} and the second for {$4500.00}, respectively. Both times a person or persons made withdrawals using a withdrawal slip at a branch, and the signatures provided clearly did not match my signature. Assuming the person ( s ) making the withdrawal was faking my identity, processes were not in place or the teller failed to compare the signatures, in addition to other possible lapses. These fraudulent transactions were reported to Wells Fargo, FTC, and a local police report was filed. Credit agenties were notified and freezes were placed with the credit agencies.
Product: Debt collection

Company continues to call after being asked NOT too, harrasses, uses vulgar language and name calls, impersonates police officers and state authorities, makes false claims about opening criminal cases for not paying debt. Caller has never validated debt by mail or by phone, and will not allow caller to submit identity theft paperwork or police reports to their office. multiple callers will get on the line and shamelessly bash you into the ground.
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

an unknown person open a credit card with XXXX XXXX XXXX, they sold off the debt when they were unable to verify the person who opened the account. Since that time XXXX XXXX XXXX, XXXX aka Lyons, Doughty & Veldhuis P.C. has garnished by wages and I finally got a release but not all my monies have been returned.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax credit reporting agency is not fixing an issue I am having with wrong information on my credit report. Today I viewed on XXXX XXXX that equifax deleted my XXXX account off my credit report this account should not have been deleted off my credit report. I never gave permission to delete it. Having this account deleted brought my credit score down. My next issue is XXXX XXXX XXXXXXXX that is reporting that should not be reporting. I submitted substantial proof along with speaking to the CEO of XXXX XXXX XXXX and it was confirmed to be removed from my credit report. Instead of removing it equifax added a remark to this account. This is completely wrong. I am very discouraged in getting equifax to correct these issues. Another account XXXX XXXX XXXX XXXX is reporting as me including this account in bankruptcy. I never filed for bankruptcy. How can they put such false information. I fully expect that this bankruptcy comment be removed off my report. I 've also uploaded proof from experian that these other 2 accounts were removed from my XXXX credit report. Equifax should have received the same information.
Product: Debt collection

I have no knowledge of this debt. Please delete from my credit report.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). 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

Rushmore Loan Management Services, LLC I continue to tell them to contact my attorney, but they refuse and contact me directly. <P/>I contacted them in 2017 onXX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXXamong other times. They continue to contact me and not my attorney. I have sent them signed written directives to contact my attorney. My attorney has contacted them. They finally responded in letters received on X/XX/2017 saying they had my letters and would contact me in 30 days - no mention of my attorney or the urgent time constraints in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed a copy of my credit report and I show company XXXX XXXX AUDIT ( Original Creditor : XXXX XXXX ) account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

in the past XXXX XXXX 2021, I disputed this and the failed to sen me anything with my signature stating that i owe them any debt. still they insist on reporting false information defaming my name to credit bureaus. 

From : XXXX XXXX To : Midstate Collections Solutions XXXX Subject : NOTICE OF DISPUTE AND DEMAND FOR VERIFIED DOCUMENTATION FAIR DEBT COLLECTIONS PRACTICES ACT ( FDCPA ) FAIR CREDIT REPORTING ACT ( FCRA ) ACCOUNT NUMBER : XXXX ALLEGED DEBT : 730.00 To whom it may concern, This is XXXX XXXX writing in regards to the unpaid debt on the derogatory account listed above, which I intend to dispute and attempt to correct your records. By sending this letter I both dispute the validity of this alleged debt as well as the validity of claims against me. Please be aware and understand that any and all information that I receive from you will be used and collected as evidence should any further actions be necessary. Also be aware that non-compliance with my request could put your company in serious legal trouble. 
According to the FDCPA, I have the right to request validation of alleged debt or competent evidence that bares my signature that shows I have a contractual obligation to pay your company. 
I hereby DEMAND that your company provide me under penalty of perjury with the following verified documentation : 1. Both front and back of original alleged contract/ agreement/ promissory note in its entirety, including any application. 
If requested files cant be provided then your claim violates 15 U.S. code 1692 and U.S. code 1592 and I demand that the claim of alleged debt owed be removed from all credit bureaus in 30 days of the XXXX.
Product: Checking or savings account

Wells Fargo denied my claim for fraud even after I requested for my account to have a stop payment! From the merchant and they are saying I did it! Wells Fargo need to be investigated the case was for XXXX it was for a merchant called XXXX they denied it for no apparent reason and now are saying I have to wait 120 days to get my funds back from the merchant Im assuming they are just tryna keep the money so they can fund there other illegal activity! I will be closing my account with Wells Fargo once I get my money back I already took all my money out!
Product: Credit reporting or other personal consumer reports

Throughout my history with this account, I've consistently maintained timely payments, preventing any instances of overdue payments. I'm uncertain as to why there are reports of late payment remarks on my accounts. As per 15 USC 1666b - Billing Error, corrections should be made.
Product: Debt collection

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. 

PARAMOUNT RECOVERY SYS Account number XXXX Original creditor XXXX XXXX XXXX. 
Date opened XXXX XXXX, 2021 Status updated XXXX 2021 Account type Collection Payment status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Balance {$950.00} Balance updated XX/XX/2021 2021