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

Dear Transunion I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. 15 U.S. CODE 1681Q - OBTAINING INFORMATION UNDER FALSE XXXX XXXX XXXX XXXX Account Number : XXXX Delete From My CREDIT REPORT 2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXXXXXX XXXX Account Number : XXXX Delete this account. 

3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXXXXXX XXXX  Account Number : XXXX Delete this account. 

4. there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete this account. 


5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

11. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX, XXXX, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have sent many requests and disputes to XXXX XXXX XXXX about the date entered in reference to an account that I opened with XXXX  XXXX in XXXX XXXX XXXXXXXX. I have requested proof of the account and disputed this account more than 5xs with experian and to no avail. They have illegally re-aged my account reporting that it was opened on XX/XX/XXXX. This is false and they have failed to correct after many requests. With this 4 3/4 year re-age gap this account would be removed from my credit account because of the 7 year law. Please assist in having this debt buyer uphold the consumer laws and fix the information being reported to the credit bureaus.
Product: Money transfer, virtual currency, or money service

My PayPal account had worked fine sense XX/XX/2018, with my first transaction with PayPal was on XX/XX/2018. For the last 19 months I have had normal transactions between friends, certain businesses, XXXX, etc. During this time I did not have one complaint or charge back, so it came as a huge surprise to me when my account was permanently closed and funds being withheld immediately after a friend transferred {$720.00} to me. Before this transfer I had checked my account and everything appeared to be normal, no notifications from Paypal of any kind. After the transfer, Paypal said their system flag my account as a security risk, with no further explanation as to why their system automatically did this. Their algorithm is unfair and I havent been able to get a human to override the ban, therefor they are holding my funds for 180 days. Keep in mind this transfer to my account was not so to a sale of any kind, but rather a friend paying me back money that was owed to me so for Paypal to put a hold on these funds is wrong and I believe they are doing this to thousands of their customers, so they can make interest off these individuals to make up for their recent divorce from XXXX. XXXX is taking on a 2nd money transfer service which will arguably cut into PayPals profit margins. Ive researched online to see if this was happening to anyone else and he was shocked to learn how many people have the same issue, where they were flagged for doing nothing wrong. The customers that did wait the 180 days they got their money back, did not receive a penny more which shows that Paypal did make money off of those individuals for 180 days. It is not right, and their buyer guarantee policy of 180 days is what they are claiming is their reasoning to hold these funds, but in this case there is no buyer so why they are holding my money is what Im complaining about. I want them to restore my access to my account so I can retrieve all of my money, and I will never be using them again so they can close my account if they wish after that. I need this money yesterday, and it has cost me hundreds of dollars in late fees by not being able to access it and its getting more costly each day.
Product: Checking or savings account

On XX/XX/XXXX in the evening I could not access online banking to make any online bank transfers. The online digital bank access was down for site maintenance until XXXX XXXX. As result, I was charged a substantial overdraft fee {$100.00}. The bank representative claimed there were no alerts to show site down but on my side, it was clearly down no access to digital banking. They were not willing to investigate with XXXX and not willing to reverse these fees as it is not my fault they elected to do system maintenance for over 5 hours leaving me the consumer crippled to conduct banking. First-Citizens Bank is not very consumer-friendly.
Product: Checking or savings account

Issue sending and receiving funds with XXXX through Bank Of America
Product: Debt collection

XX/XX/2019, XX/XX/2019 I have contacted NCB Management on several occasions to prove to them that this account does not belong to me and they are assisting that it does even after I have proven to them that the account was opened by a different drivers license, address, job information, email, mobile phone, address information. Everything on the application that was submitted IS NOT MY INFORMATION. I went so far as to send them a copy of my driver 's licence to prove the application 's driver license number is not mine and they still said they " are unable to substantiate the allegations in my dispute sent. 
To whom it may concern : I have proven to you that this account does not belong to me and should be removed from the three reporting agencies : XXXX, XXXX & XXXX. 
XXXX is still reporting the amount owed of {$2700.00}. 
XXXX is still reporting and XXXX is still reporting. 
NCB MANAGEMENT SERVICE Last reported XX/XX/2019 {$2700.00} Open balance XXXX XXXX   XXXX XXXX Original creditor By the provisions of the Fair Credit Reporting Act, I demand that these items be removed from my report ASAP!.
Product: Debt collection

I supposedly owe past dues fees ( {$4700.00} ) to XXXX XXXX XXXX here in XXXX, FL. I have been working with a collection agency located in XXXX, FL, for at least one year and making my payments every month as agreed. I recently received a letter dated XX/XX/2018, from Fountain Schultz & Associates located in XXXX, FL, trying to collect my supposedly past due fees as well. They are requesting {$5400.00}, from me by XX/XX/2018. I am reporting this complaint because both the collection agency and the law firm of Fountain Schultz & Associates can not collect on the same bill simultaneously.
Product: Money transfer, virtual currency, or money service

My bank is the US Bank. On XX/XX/XXXX I viewed and messaged a person on XXXX about a vehicle listing, they claimed to have a well-conditioned XXXX  XXXX XXXX and wanted {$3000.00} in total. I used XXXX on my bank app as the main transfer to send and receive money. I made my first payment on XX/XX/XXXX of {$150.00} as a hold on the car and to pay in advance for paperwork. I live in Missouri but the car was in Arkansas. I continued communication with the scammer and I offered my current car as a trade-in that he agreed to, bringing my cost of the car to {$2000.00} including a trade-in. He, later on, took back his agreement saying my current car was not worst a lot and ask me to pay the total amount for the car in order to finish the paperwork before I arrived. I made two more payments, one on XX/XX/XXXX for {$1700.00} and another on XX/XX/XXXX for {$700.00}. XX/XX/XXXX was our agreed date to meet so I could pick up the car. But at the location neither the car nor the scammer was present. I immediately filed a dispute with my bank and made a police report. Between XX/XX/XXXX and XX/XX/XXXX I called and ask about the status of my dispute. On XX/XX/XXXX I called around XXXX XXXX and asked again about any actions I could take to aid the investigation, the representative then told me that on XX/XX/XXXX the dispute was closed and that id is getting back my money back by the end of the month. Immediately after the call, I went to check my mail to find a letter stating that all my disputes for each payment were declined. I have text messages and the social account of the person who scammed me. I have the evidence and witnesses that were with me to prove I was wrongfully taken advantage of. I'm a first-year college student in desperate need of money and a new car. I worked hard for my money just for a scammer to use me and for the bank to protect them. US bank didn't ask for any of the evidence I had or for my full story.
Product: Debt collection

I took out an upgrade credit line debt on XXXX XXXX. The account was transferred/closed and written off as {$3700.00} per my agreement with XXXX after making inconsistent payments. This was due to unexpected situations such as job loss, birth of child, car accident, and increase of expenses due to inflation which has caused financial hardships. I live in a XXXX income household and have a dependent. I told XXXX of my financial hardships and tried to make a payment plan. However, that was unsuccessful due to XXXX requesting that I mail payments to a XXXX XXXX XXXX any written documentation provided. XXXX ended up selling my debt to Velocity Investment LLC. Velocity Investment LLC tried to collect my debt from XXXX XXXX XXXX XXXX. I felt threatened into making a payment plan and was told that if I do not make a payment it can go into pre litigation. Also, they made statements such as I am not trying to make a payment when I was trying to but have been experiencing financial hardships and never received documentation from them. I spoke with XXXX XXXX who is with XXXX XXXX XXXX XXXX on XX/XX/XXXX to come up with a payment plan that I could afford as my money has been very tight these past years. We agreed over the phone that I would make 5 monthly payments of {$55.00} and then we will rediscuss a new payment plan afterwards. XXXX XXXX sent me the form however it was incorrect as the first payment due was {$200.00} by the end of XX/XX/XXXX. I responded via email that we agreed to {$55.00} and asked for an online payment option. XXXX XXXX provided me with the website. However, the reference number did not work when I tried to logon. I sent an email on XX/XX/XXXX requesting paperwork from XXXX to ensure it is the correct amount. On XX/XX/XXXX I attempted to make a payment and noticed that the reference number is incorrect and requested paperwork to be mailed regarding what I owe and information regarding the account number. I never received a response from XXXX XXXX XXXX XXXX. A few months later I received a phone call from XXXX, XXXX, and XXXX XXXX. I asked who they were and requested documentation from them regarding my debt. I never received a response and they will just send a letter in the mail of the debt owed without sending the documentation I requested. Each time XXXX request documentation, they never respond, call me back, or answer the phone. I spoke with someone from XXXX, XXXX, and XXXX XXXX and they denied that I had an agreement with XXXX XXXX XXXX XXXX. They stated that I have not made attempts after that to pay the debt. Also, I was sent a warrant in debt in the mail from Velocity Investments LLC on XX/XX/XXXX without it actually being summoned or have a signature from a clerk on it. I am requesting documentation of the debt owed as my right.
Product: Debt collection

In XXXX, my original creditor XXXX XXXX XXXX XXXX closed and sold my auto loan account to resurgent capital services. My original account was opened in XXXX and the date of first delinquency was reported in XXXX. However, resurgent was reported onto my credit report in XX/XX/XXXX with an incorrect date of first delinquency and expired statue limitations. Resurgent has violated my rights under FCRA Section 623 ( 5 ) ( A ) and re-aged my debt and it needs to be erased immediately from XXXX. Please provide my consumer disclosure file under FCRA Section 609 ( a ) ( 1 ). I am also requesting the date of first delinquency, as well as the FCRA compliance date, along with the name of the party who reported the date of first delinquency and my original contract containing my original signature. My rights dictate my ability to obtain this information. Lastly, I have received repo letters from resurgent notifying me of dates and times of repossession. I request that resurgent deletes this account immediately from XXXX and cease the repo letters and repo visits to my house.
Product: Money transfers

On XXXX XXXX, 2016 I sent money to my fiancee in XXXX. On that day I paid using my XXXX XXXX XXXX debit card. The western Union tracking number is XXXX. The entire of {$320.00} was immediately debited from my account. About two weeks thereafter, Western Union debited the same exact amount from my XXXX account on XXXX XXXX, 2016. I discovered the unlawful debit from my account on XXXX XXXX, 2016. I immediately called Western Union and was advised that the money would be returned to me immediately. Since that time I have placed at lease three calls to Western Union and have not received my money. So effectively Western Union stole my money and while they continue to acknowledge the theft they can choose to return it when they feel like it. Today is XXXX XXXX, 2016 and I still do not have my money. They can not tell me when I will receive it. They should be punished they have offered me a free transfer for the next service. I have no confidence in them. I gave them over a week to take care of this problem yet it remains unresolved. I would like Westernh Union to be punished for this crime.
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX, DC XXXX XXXX XXXX XX/XX/2023 American Express : I am writing in response to a request for an explanation of the dispute on a criminal authorized charge from a taxi cab in XXXX. As I have explained several times in calls, there is no written documentation. I never signed or approved a {$5300.00} charge for a taxi cab in XXXX. 

I arrived in XXXX, XXXX, by air on Monday, XX/XX/XXXX, around XXXX XXXX  for an international conference. Two colleagues and I went to the taxi booking desks and arranged a taxi. The cost was to be the equivalent of {$25.00} which we were to pay to the driver. My colleague had been to XXXX before and knew that was the going price for the short trip. On the way out of customs, our party was met by a driver who said he was our taxi and took us to a car. In retrospect, we now know the man who greeted us was a scammer. 

We were asked to pay the {$25.00} by card. I gave the taxicab driver my amex credit card. The card was run several times and we were told it was not going through. My colleague also gave her credit card and was also told the card did not go through. At no time did either of us give him a pin or sign any receipts. We said we would pay cash and the driver took us to the XXXX XXXX, a 20-minute drive from the airport. 

Because we were told the credit card did not go through, I paid the driver US dollars in cash. He did not speak much English. 

Both my credit card ( Amex ) and my colleagues credit cards were compromised with these outrageous charges. 

As I said on repeated calls, I have no documentation, but the colleagues with me were XXXX XXXX and XXXX XXXX. They would be happy to verify my account of the case. 

I would be pleased to answer any other questions. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 my mortgage with XXXX XXXX XXXX was paid in full. I disputed the balance and they have refused to report that loan is paid in full and reported to credit bureau that their reporting in correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX notice that Equifax and XXXX   continue to report a fraudulent collection to my account. This is my third time going through this process and next time im taking full legal action. ( XXXX XXXX XXXX XXXX {$560.00} ) continues to report to Equifax and XXXX ... Ive never in my life opened up an account with XXXX! This is continuing to affect my credit and has put me behind in purchasing the home that my family and I choose. If this account continues to report and not removed within the next 4 business days. I will be taking full legal action against EQUIFAX and XXXX. 

( XXXX XXXX XXXX XXXX {$560.00} ) EQUIFAX AND XXXX Continue to report this fraudulent Collections Account ( XXXX XXXX XXXX/XXXX  XXXX {$560.00} The Fair Credit Reporting Act ( FCRA ) is the federal law that governs the national credit reporting agencies ( CRAs ) : Equifax, XXXX XXXX and XXXX. It also governs creditors, collection agencies and other businesses that furnish information ( furnishers ) to the CRAs. The FCRA provides victims of identity theft with numerous rights. Consumers can bring legal claims against the CRAs and furnishers if they fail to comply with the FCRA. 
The most important right is the blocking of information on a credit report that resulted from identity theft. A CRA must block the reporting of any fraudulent information within four business days of receiving a dispute from a consumer that contains : Identification of the fraudulent information ; A copy of an identity theft report ( an identity theft report is an official, valid report filed by the consumer with a federal, state or local law enforcement agency including the post office ) ; A statement by the consumer that the information is not related to any transaction by the consumer ; and Appropriate proof of identity. 
The CRA must notify the furnisher of the information that it has blocked the information as fraudulent. The CRA will also notify the two other national CRAs that it has blocked the information. The consumer should receive a letter from the CRA stating that the information has been blocked. 
If the consumer sends the CRA the required materials and the CRA does not block the disputed information within four days, the consumer can bring a legal claim against the CRA.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the collection account listed on my credit reports with XXXX, Experian, and XXXX, Upon careful review of my credit reports, I have identified discrepancies in the reporting of this account that I believe require immediate attention and correction. 

Please find below the details of my dispute : Incorrect Account Status : The account status is reported as " Open '' on all three credit bureaus, which inaccurately reflects the current status of the account. While the account may have experienced past delinquencies, it is currently being paid as agreed. Therefore, the account status should be updated to accurately reflect that it is " Paid as agreed '' or " Current. '' Inconsistent Payment History : The account history indicates past delinquencies, with Experian reporting past due status multiple times. However, there is inconsistency among the credit bureaus regarding the reported delinquency periods. This discrepancy requires clarification and correction to ensure accurate reporting of payment history. 

Discrepancy in Balance Reporting : There is a discrepancy in the reported balance across the credit bureaus. While XXXX and Experian report a balance of {$6.00}, XXXX incorrectly reports a balance of {$0.00}. Given that the balance is a critical factor in assessing creditworthiness, I request verification and alignment of the reported balance across all three bureaus. 

Date Last Active : The date last active varies among the credit bureaus, with XXXX reporting XX/XX/2024, while XXXX reports a different date. This inconsistency raises concerns about the accuracy of the reported information and requires verification to ensure consistent reporting.
Product: Student loan

A private loan in the amount of {$8100.00} with an unknown co-signer was taken out in my name without my knowledge for the date of XX/XX/XXXX. I was attending XXXX in XXXX, Florida. They closed the school, I did not finish the semester. I did not receive the funds, they were sent directly to the school. Sallie Mae was the original borrower before they became Navient. I received letters stating loans were consolidated. ( I also had Federal loans from a different School ) I received a letter several months later in XX/XX/XXXX, also stating that only one payment a month was necessary and they would disburse it between the loans. I was not aware that a private loan was included. So I made payments on this private loan for several years before I realized it was not a loan I had signed for. I attempted several times to correct this with Navient. I was told that there was nothing they could do. I requested all paperwork that they have. I have received copies, however, these copies have been altered by Navient themselves. This loan was opened fraudulently and mishandled.
Product: Mortgage

I went to XXXX XXXX XXXX  XXXX was looking to purchase my first home. I found some but needed an Realtor so I went to XXXX XXXX which I needed find an Bank or Mortgage Company I went to XXXX XXXX XXXX XXXX Denied and went to Wells Fargo and was approved I need to an down payment of {$50000.00} and closing {$10000.00} deposit they inspected the home and appraised it but was told pay off all back bills in order to be approved for the Home Mortgage since the home was being built I had wait for completion the money that I borrow was from my Retirement Thrift Saving Plan which I was enrolled in since I began my Job XX/XX/XXXX and this was my money my retirement I loss my new home after being diagnosed with XXXX XXXX and notify Wells Fargo of sickness and was told at the closing that I had year to give it up for any reason it been year that what happen. But my problem my closing and down payment was not return nor they assist during that time. I did not have any Mortgage Loan with Wells Fargo my money but they still reported negatively on my Credit Report and my none payment was sold to XXXX XXXX  who they had right to purchase my Mortgage and back payment and they also reporting on my Credit Report and preventing from rent or purchase these banks had no regards to my sickness while I was fighting for my life and harassed by County of XXXX with Door Knocks and posting in Newspaper and on the door and I wanted to give them the house back but needed somewhere to go or stay during this time. So how do they report or destroy my credit and only thing the Bank did was promise to collect the mortgage and FDIC Insurance the money and insurance how they allowed to this and I'm staying in Shelter and having problem finding house I did not default of loan this was my money please explain
Product: Mortgage

This is about SETERUS.Inc. And XXXX XXXX XXXX. As the successor in interest to SETERUS. Inc. WE NEED A lost mitigation applications to recoup our losses because of SETERUS VIOLATIONS OF REGULATION X PLEASE Respond to us at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX We need a lost mitigation application s Thank you. 

XXXX XXXX XXXX XXXX