23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I have both a checking account and credit card through Vystar Credit Union. My credit card payment was 2 weeks past due in the amount of {$330.00}. I made the payment on XX/XX/year> in the amount of {$340.00}, which was the past due payment. On XX/XX/year> Vystar automatically debited my checking account in the amount of {$330.00}, causing my account to have low funds in it. 

I contacted the company about this unauthorized transaction, and while they indicated they would reverse it. They stated I have to wait 2-3 days for the funds to be returned which is unacceptable. This now impacts my ability to buy groceries or any other potential purchases, even assuming it is completed in the time frame they mentioned. 

I did not authorize this transaction. They call during business hours when I am unable to pick up the phone so I was not able to speak with them. Nevertheless even past due I make my payments on my credit card monthly, so there was not reason for them to suspect that I would not make my payment. 

Furthermore, they sent me email correspondence on XXXX stating I would be getting a late fee, no where in their email did it state they would automatically debit my account. 

Key point, is that my payment on my credit card, was pending and potentially posted prior to them debiting my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

LENDING CLUB CORP Account XXXX Date opened XX/XX/XXXX Balance on XX/XX/XXXX - {$32000.00} XXXX/XXXX  Account number XXXX Date opened XX/XX/XXXX Account type Unsecured Loan Balance on XX/XX/XXXX {$17000.00} {$20000.00} reporting XXXX XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Balance on XX/XX/XXXX {$3000.00} {$2500.00} I am a victim of identity theft ; my personal information was stolen and used to obtain loans and credit cards. However, I was in XXXX  from XX/XX/XXXX to XX/XX/XXXX when the fraud did not happen nor I have not benefited from any of this. I provided proof that I was XXXX  ( identity theft report, the accounts, paper work from the government of my incarceration and validation letters ) to the creditors and all 3 credit bureaus ( XXXX, XXXX and XXXX ) XXXX and XXXX was completed but not XXXX which they continue to keep reporting to the credit bureaus. I notified the credit bureaus several times and kept getting the same response ( verified ). They have not provided no evidence to prove that these accounts belongs to me. No signature that matches my handwriting or coming into any of their facilities ( of course i was in XXXX  ). I have tried every method going back and forth which is giving me no justice at all. This has caused me XXXX, XXXX  and fatigue. I would like the accounts removed immediately. I provided all my evidence to prove that it wasn't me even down to the signatures on loan documents.
Product: Mortgage

Since speaking with my Mother several times after the filing of the above referenced complaint. We were told by an employee at TruHome Solutions to cease the payments in XXXX 2016, then they could send the Hardship Application to be completed by myself and Mother. They continued reassuring the both of us that everything was going to plan and should have paperwork completed soon. 
Then XX/XX/XXXX, we were told that they were refusing to honor the Hardship due to somehow having my name, XXXX XXXX XXXX removed from the mortgage. 
They informed us that if they did not receive the three months payment by I believe XXXX XXXX, 2016, they were taking the house away from my Mother. 
I myself, XXXX XXXX XXXX signed the closing paperwork at the main XXXX XXXX XXXX located in XXXX XXXX, MO. I then traveled to XXXX, MO with my realtor XXXX XXXX to witness my Mother sign the exact same paperwork as I did and traveled back with XXXX to present the completed documents to the original employee that helped us at XXXX XXXX XXXX. 
During the time between XXXX XXXX, and the XXXX XXXX, 2016, there was no correspondence from either TruHome Solutions nor XXXX XXXX XXXX XXXX. No statement ( s ) nor a notice of non-payment. No phone calls or letter of possible default. 
Now TruHome Solutions have blocked us from making any payments online. 
There is something very wrong going on here. My Mother also knew I had/was signing the closing paperwork.
Product: Credit card or prepaid card

I had opened a XXXX XXXX checking account I then applied for a XXXX XXXX American express platinum card and I was approved so after a few days XXXX XXXX notified me they closed my account. because I didn't meet their guidelines ( its because i have a medical collection account that isn't mine ) but anyways a few weeks later American express notified me if I didn't open an account they would close my American express card on XX/XX/XXXX ( see attach letter ) I understand I used the card, but to charge me the yearly fee of {$550.00} for a card I only had for a few months is ridiculous especially beacuse american express is forcing me to close the account I feel like American Express is Robbing me charging me the yearly fee and then taking away the card.
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 on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was Monthly Payment Agreement of {$460.00} with the alleged student loan servicer-XXXX XXXX XXXX [ Employee ID XXXX ] per the Recorded Voice Conversation. 
There were/are multiple notifications by the alleged student loan servicer-XXXX for overpayment from my bank account. Yet the alleged student loan servicer-XXXX   continues to take this money automatically from my bank account and continues to record non-payment of this private student loan with late fees. 
This willful fraud was conducted, since the inception of this private student loan The alleged student loan servicerXXXX continues to Defraud and Create a Fraudulent Loan Balance of this private student loan with Late Fees, even after taking illegally withdrawing Excess Funds from my Bank Account XXXX XXXX and Trans Union reported Fraudulent Loan Balance of this private student loan and violated FCRA without proper verification of the Loan Balance of this private student loan, even after two ( 2 ) previous requests.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention several discrepancies I have identified on my credit report, dated XX/XX/year>. The accounts in questions are as follows : XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.understand that, pursuant to section 605b of the Fair Credit Reporting Act ( FCRA ), it is your obligation to block fraudulent information resulting from identity theft within four business days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX submitting this complaint against Experian and there is no third party involved. 

I demand Experian to provide me a copy of my written consent and written instructions to furnish these fraudulent and inaccurate said accounts. 

Collection Acct -XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX - {$3500.00} Inquiry - XXXX XXXX XXXXXXXX XX/XX/XXXX Inquiry - XXXX XXXX XX/XX/XXXX Also provide me with Experian 's Verification method to " verify '' said accounts. 

In accordance with the FCRA Experian has violated my rights. 15 USC 1681 section 602 states I have a RIGHT TO PRIVACY. Also 15 USC 1681 section 604 A section 2 states a consumer reporting agency can not furnish an account without my WRITTEN instructions. 

Delete these accounts immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal credit card account opened at XXXX on XX/XX/XXXX under the account number XXXX, a personal credit card account opened atXXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX  a personal credit card account opened at XXXX XXXX on XX/XX/XXXX, a personal phone account with XXXX XXXX opened XX/XX/XXXX under account number XXXX, an auto loan account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX under account number XXXX, an auto loan opened at XXXX XXXX XXXX XXXX XX/XX/XXXX under account number XXXX, a collections account opened at XXXX on XX/XX/XXXX with a balance of {$560.00}, a collections account opened at XXXX XXXX on XX/XX/XXXX with a glance of {$61.00}, a collections account opened at XXXX XXXX  on XX/XX/XXXX, a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$12000.00}, a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$690.00}, a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$2700.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam : After reading my Credit Report from TRANSUNION, I found that they had some incorrect information related to my credit card from XXXX  XXXX XXXX. They indicated me that in their records, they saw TWO late payments. I proceed to call my bank to verify this information, and they tell me this was incorrect. XXXX  XXXX XXXX issued two case numbers to clarify my case. Then, I wrote this following letter that explain everything in detail and send it to them on XX/XX/XXXX. 

" I am writing in this opportunity to dispute the following information in my file. I have circled the items I dispute on the attached copy of the report I received. 
- You have been on our files since XX/XX/XXXX : my bank and agents at your institution have instructed me that verified information for credit records should be the information generated after obtaining a social security number. Until XX/XX/XXXX, my status was non-resident. In XXXX of this year I received my social security number and from that moment my status changed to permanent resident. 
- Level of delinquency for two late payments : My bank XXXX XXXX  XXXX XXXX XXXX has verified my credit card statement and has not found two late payments. They informed me that they would send the correction to your offices and assigned me the following case number : XXXX. 
- 30-day late payment on XX/XX/XXXX : My bank has informed me that on this date I was charged a fee for issuing a credit card. The configuration of my account established that this fee would be automatically charged to my checking account. On this date, my country of residence was XXXX, and due to government restrictions, it was not possible for me to access my XXXX  XXXX XXXX online banking. The amount due was not a purchase, it was for a fee that the bank charged in order to issue the credit card, which I didn't knew at the moment, because I was not in USA when the bank send it to me and also that should have been charged to my checking account. My bank informed me that they sent a correction of this detail to your offices and gave me the following case number : XXXX. '' On date XX/XX/XXXX I received a dispute result from Transunion which indicated that some information on my credit report was deleted. However, the delinquency level its still on my report. 

I visit my bank on date XX/XX/XXXX and they made a call ( in front of me ) to Transunion, and the bank agent explain the case. The person representing Transunion said that in their records they still have two late payments, and my bank agent insisted that it was incorrect. Then he explained that the 30 day late payment in XX/XX/XXXX was in fact generated for a fee charged for a credit card that I didn't even activated at that moment. 

Both the bank agent and the representative of Transunion, recommended me to make this complainant because they were not able to help me. 

Thank you very much for your time and attention.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed some inaccuracies. The following items appear to be incorrect : LVNV FUNDING LLC - {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$4400.00}
Product: Credit reporting or other personal consumer reports

Upon checking my credit report through my financial institution, XXXX XXXX XXXX, I discovered a " hard inquiry '' for a XXXX  card. It was reported to the credit agency on XX/XX/year>. I did not apply for a XXXX  card, at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2021 I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 60 DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE STRESS YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX XXXX BREACH AND XXXX HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.
Product: Money transfer, virtual currency, or money service

I am filing 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 res ution 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: Credit reporting, credit repair services, or other personal consumer reports

This is my continued endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX ; XXXX XXXX XXXX Balance : XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX.
Product: Credit card

I was contacted in XXXX by Target Store 's credit card division to inform me that a TD Bank/Target Store credit card application had been submitted at XXXX of its stores in North Carolina, and Target suspected it was fraudulent. I confirmed that the application was in fact fraudulent and Target informed me that the application and account would be terminated. Target followed up with a paper mail affidavit for me to complete, which I completed and mailed back to officially close the fraudulent account. Additionally, I contacted the XXXX bureaus to place an active fraud alert on my credit file. This week when checking my credit, I learned that the TD Bank-Target Credit Card Account was officially opened despite the extensive prior communication on the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested my credit report from Equifax on XX/XX/2019. I saw that there was negative information reported by XXXX XXXX XXXX in the file that Equifax maintains under my Social Security Number.  Upon reviewing that copy of my credit report, I saw an entry listing an account was charged off {$790.00}. I wrote and certified mailed a letter to Equifax challenging the accuracy, compliance and reportability of this listing. I ask them to please validate that information with XXXX XXXX XXXX and provide me with copies of any documentation associated with this account, bearing my signature. I requested in the absence of any such documentation bearing my signature, I formally requested tthat the information be immediately deleted from the credit file they maintain under my Social Security Number. I also stated that I do not consent to XXXX  or any means of automated verification. 
They replied back XXXX XXXXr XXXX " Verified '' that the account they are reporting under my name is accurate. I then on XXXX XXXX certified mailed another letter to Equifax Requesting that the description of the procedure used to determine the accuracy and completeness of the information was being requested, to be provided within 15 days of the completion of their re-investigation. Additionally, to please provide the name, address and telephone number of each person contacted regarding this alleged account. I formally requested a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. And that any automated response or XXXX  verification is unacceptable. I requested a re-investigation and their method of verification. They did not reply back in 30 days so on XX/XX/2019 I sent a third certified mail letter letting them know that by not repying in a timely manner to my initial letter they not only violated federal law, but they had failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. And I have evidence via certified mail receipts, so they must remove the item.
Product: Credit reporting or other personal consumer reports

Upon me Applying for an apartment i notice a negative account or Fradulent account
Product: Student loan

In XX/XX/XXXX, I called the department of Federal Student Aid ( FSA ) and was transferred to the Ombudsman Departments complaint center. I then spoke to Department of Education/FSA representatives . XXXX of the reports was named XXXX. I then spoke to XXXX followed by XXXX on XX/XX/XXXX in the Ombudsman complaint center regarding feedback case # XXXX. Previously, I spoke to XXXX on XX/XX/XXXX from my previous servicer, XXXX. XXXX advised that I had a XXXX month forbearance entered while my application for a direct consolidation was processed. Previous to XXXX, the lender for my student loans was XXXX  XXXX XXXX and prior to that, my servicer XXXX. XXXX advised that my loan, since XX/XX/XXXX did not reflect my payment history from the previous servicers. As of today, I still did not have an account history or transcript of all my payments mailed to me. The last payment {$270.00} made on XX/XX/XXXX was not reflected on my account or previous payments. The representative XXXX escalated the close case to XXXX. She also referred to previous complaints, case # XXXX and # XXXX. Following that, I spoke to XXXX XXXX ID # XXXX. She said the new servicer made a payment for {$31000.00} + XXXX XXXX the new servicer will be MOHELA and XXXX days from XX/XX/XXXX the loan should be transferred. MOHELA has yet to provide any information and has accrued interest in my loan balance. Since origination, my loan balance has more doubled with capitalized interest. Per federal law after XXXX years of repayment, my loan should be canceled regardless of whether I have a balance or not. The student loan is predatory and according to the XXXX PLAN, federal law, this loan should be CANCELLED. I am seeking relief and cancellation of the entire loan balance. SAVE repayment plan and for forgiveness programs, like XXXX XXXX XXXX XXXX ( PSLF ) and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and under certain federal programs, it's possible to get your student loans forgiven after XXXX  years of qualified payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

please remove the following account inwhich is unknown to me nor is my responsibility 1 ) XXXX Card Services