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

I notice that my credit report was ran without my consent on XX/XX/2019 by XXXX XXXX XXXX. I have been a victim of Identity theft and I been trying to reach out to the creditor to have this inquiry removed along with the other inquiries that were placed on my credit report from the banks they used with no resolve or help. I have contacted the creditors and they some said it will be removed from my report, but after 30 days it still shows. This is unacceptable and XXXX XXXX XXXX and the other creditors XXXX XXXX, Wells Fargo, XXXX XXXX, XXXX XXXX and others havent been any help.
Product: Vehicle loan or lease

Chrysler Capital took payments out of my checking account and will refund on XX/XX/2022.
Product: Credit card or prepaid card

I purchased some items from XXXX XXXX online. The delivery company ( XXXX ) lied and said they delivered my package to me and they didn't. I was clocked into work 3 hours away when they claimed it was delivered to me. Chase offered me a provisional credit but took it back once XXXX XXXX said the package was marked delivered. My package was signed for with a line. I understand it was marked delivered but I did not receive it as I was at work. I should not be held responsible for something I didn't receive. I'm only complaining now because I didn't know about the CFBP but now that I do, maybe they can help. This was {$3300.00}. I still have my letter to Chase and it was totally disregarded.
Product: Credit card or prepaid card

I want my due date on days XXXX every month. Customer service dont want to change the due date to the day I want. I have a charge on XX/XX/2019 of lafe fee of XXXX $ and I dont make late payments. They process a payment on my account they can not pause.
Product: Debt collection

Portfolio Recovery Associates calls my home several times every day of the week, looking for some past due amount apparently for my wife. Last week on XX/XX/XXXX I told them to stop calling but they have ignored my request.
Product: Credit reporting or other personal consumer reports

Hello My name is XXXX XXXX. I have attached Proof of my name being XXXX XXXX by adding my Drivers License, Social Security, Naturalization, and Voter ID which should be plenty. 

The problem is the incorrect name keeps appearing on my credit reports and it is not me. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, etc are all incorrect names and should be deleted. 

Again, Correct Name : XXXX XXXX Incorrect Names that need Deletion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX It also appears, Experian has Kept Many Accounts on my credit report that are not mine. Both XXXX and XXXX deleted all accounts associated with XXXX XXXX which may be mixed up with my fathers name, he went by XXXX XXXX XXXX and and also XXXX XXXX XXXX, he had 5 middle names. 

I have written Experian several times regarding errors to accounts, identity theft, or anything possible to have my credit report cleaned up since they do nothing but " verify accounts and names '' that do not belong to me but perhaps a family member. 

Again, I have no credit in the United States yet, My name is XXXX XXXX My Social ends in XXXX and I have attached proof. 
I recently became a XXXX of this country and have obtained no credit previously. No credit should be on my credit report. 

I traveled from XXXX to the United States and stayed here month off and month on for several since 2020 when my father was ill of XXXX. Recently I moved here and became a XXXX However I have never had a credit card or home or loan in the United States. 

Please Have Experian Wipe my credit report with nothing as XXXX and XXXX XXXX have done. Something weird has occurred on my credit report with Experian and this person is not me... XXXX XXXX XXXX, XXXX XXXX XXXX, etc I am XXXX XXXX.
Product: Debt collection

I am a victim of identity theft. The tradeline, which appears on my credit report from XXXX XXXX last reported XX/XX/2021 in the amount of {$420.00} does not relate to any transaction ( s ) credit account I have ever had. It is the result of identity theft. I received a copy of my credit reports and discovered this trade line on my credit report. I did not authorize this account or transaction. I did not apply for any credit with this company and have no existing accounts with. Please delete this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act. I have contacted XXXX XXXX individually and have not received any reply back.
Product: Money transfer, virtual currency, or money service

on XX/XX/21 XXXX {$790.00} was deposited into my cash app from XXXX ( XXXX XXXX on XX/XX/21 XXXX {$700.00} was tooken by XXXX ( I did not make transaction ) on XX/XX/21 XXXX {$94.00} ( the remainder ) was tooken by XXXX ( I did not make transaction ) my cashtag $ is $ XXXX An unidentified/unauthorized email was connected to my profile ( XXXX XXXX An unidentified/unauthorized number was connected to my profile ( XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone has stolen my identity. I have been receiving mail from a collection company for months, but I kept thinking it was junk and I kept throwing all the mail away. I then one day decided to open the envelop because it was like the 5th time I have received this envelope from the same place. I pulled my credit and I saw several accounts and several collections on my credit report. These collections and accounts are not mine! Please delete these items from my report. 

XXXX XXXX XXXX XXXX {$1200.00} XXXX   XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX XXXX {$430.00} XXXX XXXX XXXX XXXX {$430.00} XXXX XXXX XXXX XXXX {$950.00} XXXX XXXX XXXX XXXX {$910.00} XXXX XXXX XXXX {$220.00}
Product: Mortgage

I recently received an escrow analysis from my mortgage holder. They claim that my escrow account has a shortage of {$1200.00} but according to my calculations, I should have a positive balance of {$780.00}. 

I have attached 5 financial documents to this complaint. Please reach out to me should more information be needed. 

According to the mortgage holder 's own records, I had a positive balance of {$1900.00} on XX/XX/XXXX. Since that time I have made an additional {$2400.00} in escrow payments, making the total of XXXX payments and the XXXX balance {$440000.00}. 

The expenses for this account total {$3600.00} for XXXX according to the lender 's own documents. My total of payments for XXXX and the ending balance on the account at the end of XXXX ( {$2400.00} + {$1900.00} ) should total {$4400.00}. If you subtract the {$3600.00} expenses for XXXX, that should leave a POSITIVE balance of {$780.00}. 

This lender has paid my property taxes LATE on at least two occasions which caused fees of several XXXX dollars. I should not be responsible for these fees. Still, such fees would not account for such a large discrepancy in records. Please help!!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX Balance : {$420.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2000.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  ) XXXX Balance : {$2100.00}, XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX
Product: Mortgage

I have been trying to get a modification on my home since XXXX XXXX, I have been working with a XXXX Approved housing counseling agency XXXX XXXX XXXX and we have done everything that my lender has asked and still have not received an answer. This situation started due to the fact my lender charged me escorw on my home for my taxes and I am my husband are exempt due to our age we are senior citizen and my husband is XXXX. I now have a sell date on my home scheduled for XXXX XXXX, XXXX and I am desperately in need of the CFPB help to resolve this situation.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX at XXXX my cash app account started having fraudulent activity. I attempted to transfer {$1800.00} to my bank via deposit through cash app. I had never had any troubles with this app. The transaction said " instantly deposited. '' I was charged an " instant fee '' of {$27.00} for making the transaction. However, my bank has confirmed no money was ever deposited from this transaction. My account also had withdrawals of several transactions of {$250.00}, {$250.00}, {$250.00}, {$250.00} {$250.00} totaling XXXX. That total plus the instant deposit cash of {$1800.00} totals {$3100.00} dollars that were unfairly hacked from my account. 

*cashapp is the company to seek reimbursement from.
Product: Bank account or service

Wells Fargo attached my Wells Fargo credit card to my checking account as overdraft protection without my authorization. I called them to dispute this and told them that the charges have hit my credit report negatively. They responded by telling me that their records show that I authorized the use of a credit card as overdraft protection in XXXX 2015 by phone. I never authorized any use of my Wells Fargo Credit Card as overdraft protection by phone, or in any other way. In XXXX 2015, I established a new checking account at my local bank, in person! I authorized my savings account NOT a credit card. Wells Fargo told me " Regardless, you received statements showing the overdraft protection fees electronically, so you were informed. '' This was an underhanded tactic that Wells Fargo used to change me XXXX $ $ in fees. I told them that all I wanted was the negative information removed from my account ( 30 days ). My credit score prior to this was XXXX. It has dropped to XXXX as a result of this XXXX negative item. I will gladly submit my credit report for review as proof and have previous reports to demonstrate the precipitous drop. I have also filed a dispute with Wells Fargo and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received correspondence from CFPB informing me that they closed my complaint submitted on XX/XX/22 because they believe that someone other than myself submitted complaint # XXXX, which is not true at all. I am asking for this case to be re-opened and investigated. I will include a copy of my ID for proof of identification since this is the stated reason. I would like for the CFPB to take this seriously and not continue to send stall letters. Per my last complaint, TD AUTO is reporting late payments, but the information is inconsistent between the 3 credit bureaus. They were notified twice to validate this debt that is reporting on my credit report, but they have failed to do. I will attach a copy of my credit report to show the inconsistencies between all 3 bureaus. How are you reporting different information for XXXX, XXXX, and XXXX when the data furnished should all be the same? I have tried to have this information corrected for over 6 months, that is why I am now reaching out to CFPB to help with this matter. I am under the impression that the credit bureaus are disregarding disputes because there is no reason that this wasn't handled in a reasonable amount of time. If I have to bring this to court and hire an attorney, I will be asking for {$2000.00} per violation. At this time, I am only asking for the late payments to be removed and the account to be updated to paid as agreed. If you can not show me your method of validation and how this meets FCRA requirements, then please remove the late payments. I will include the letter as well as the time stamp. Please conduct a proper investigation and update this account. My email is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized inquiry on consumer report I have informed Equifax, XXXX and XXXX to remove hard inquiries off my consumer report due to not having my consent but they have willfully non-complied. Ive sent in multiple letters on the FCRA laws that govern them and they have still not responded by removing these hard inquiries. 

XXXX XXXX XXXX XXXX This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third-party with my private or personal information your offenses amount to Aggravated identity theft pursuant to 18 USC 1028 ( a ). You have knowingly transferred, possess, or use, without lawfully authority, a means of identification of me, which is a felony punishable with up to two years of imprisonment, in addition to civil liability.
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of XXXX XXXX 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

Weve been in escrow with a new builder since about XXXX and are set to close next Friday and new builder is pulling out all the stops and putting ethics aside in order to steal this deal from under us. See below and attachment for events that occurred. What can we do on this one. 

This possible RESPA violation occurred with XXXX XXXX ( sales associate ) and XXXX XXXX ( lender ) at the William Lyons XXXX location. 

The background context is that XXXX did not have the knowledge to structure and approve this buyer for the purchase. We were using an outside broker and specialty program in order to do this loan. XXXX called me pretending he actually worked for the sales office and his company did not have confidence we could close the loan and I needed to explain to him the program and how we structured. After about a minute I realized this guy was a scam and actually the lender looking to copy our program/structure, but he had already obtained the information he needed to go back to the buyer and offer the same program. Frustrating, but I understand not everyone in this business operates with ethics. 

The attachment shows how XXXX was violating RESPA in an attempt to force the buyer to close with William Lyon mortgage even after he let her know we were his lender of choice. It wasnt until after I mentioned XXXX and CFPB that she changed her tone and was willing to cooperate with the items we needed from her to do our job. 

Builder has now delayed items we needed for 3 days after multiple requests she has ignored. Due to this, she is now threatening buyer with 1 % penalty ( {$6300.00} ) but said if he uses her mortgage company she will waive penalty. She wasted time and cornered him into using her lender. COE date is XX/XX/27 and borrower is too scared to proceed with us because he doesn't want to pay this penalty.
Product: Debt collection

XXXX XXXX filed for bankruptcy resulting in abandonment of treatment. When treatment stopped I stopped making payments to the creditor XXXX XXXX. The creditor used Health Finance Direct LLC as a payment processing service. My problem is that Health Finance Direct LLC is telling me that I still owe them money for my uncompleted treatment. I told them I will not be paying anything until the matter is resolved and there is a new creditor providing treatment/service. Health Finance Direct will still send my notices requesting payment. This needs to stop until the matter is resolved.
Product: Debt collection

I started receiving phone calls from Transworld Systems Inc regarding account XXXX during work hours and after XXXX pm at night. I was told that I had a collection with them regarding a medical debt. I have great insurance and did not understand how I would owe anything plus I have not received anything in the mail telling me that I had been sent to collections. I asked them to verify this debt and was hung up on. At the time I thought it was a scam but wanted to check XXXX XXXX. I saw a new collection. I called them back and explained that I did not think I owed the debt but they talked about suing me so I just paid it as it was under {$300.00}. The representative also told me that it would be removed if I paid but it has not. I have since found out that it is the law they mail a letter and give me 30 days to pay. I did not receive this letter. I have also found out it is the law that they verify the debt and they hung up on me when I asked that. Now I have asked them to remove this item from my report because I was threatened and harrassed and certain laws were not followed. They can't find my account anymore. I have disputed this with the credit bureaus XXXX and XXXX but they have not removed it. The other one is not reporting the account. I would like for this item to be removed because they violated the Fair Debt Collections Practices Act and Fair Credit Reporting Act by filing a collection without mailing me a letter first and refusing to verify the debt and lying to me about it being removed. I see that the CFPB has over 5000 complaints agasint this terrible company and I am hoping you can help me. Also the collection was opened in XX/XX/XXXX but they are reporting the date of last activity XX/XX/XXXX. This is incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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

My social security number was incorrect in the trans union system. I sent my documentation in to have it fixed. They received my documents on XX/XX/XXXX. My number is still not updated. I am purchasing my first home and am at risk of losing this opportunity because I am unable to close until this is fixed. I was set to close on XXXX, as of today XX/XX/XXXX the issue is still unresolved. I have called almost daily, have been given the complete run around. It has been escalated to multiple supervisors including the supervisor of special handling for the US only to be told 3-5 more days. After a months time I remain in limbo. There has been no acknowledgment, no apology, no compassion. It feels like they dont care at all. I just need my information fixed so I can buy my house. The family I am purchasing from is running out of patience waiting for this to go through. Please help me, I feel like nobody cares, and I feel like this will never be made right. In comparison, I sent my info to XXXX who had it fixed in 3 days and a verification letter was sent within 10 days.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, and Equifax are reporting inaccurate information on my XXXX account number XXXX. It's reporting as 60 days late.
Product: Checking or savings account

I tried to request a PayPal Cash Card but was told that my account was not eligible. I contacted PayPal customer service. They claimed that I completed business transactions, even though I have only used my account for personal purposes. The representatives advised me that I would not be able to receive the PayPal Cash Card but instead only the PayPal Business Debit Card. Without my authorization or permission, PayPal enrolled me in the PayPal Business Debit Card and mailed the card to my address.
Product: Checking or savings account

Hello, My unauthorized charge claims were denied without an investigation and an explanation. 
I will be writing to my state representative, The Consumer Financial Protection Bureau, The FTC and the Federal Reserve. I will also be speaking with attorneys to go over my legal options including arbitration with XXXX. ** '' My original inquiry : I'm trying to keep my composure. Please bare with me... I would like to report multiple unauthorized charges that just occurred. I do not recognize these charges. I always assumed I misplaced my physical card ages ago in my home, but apparently it was either stolen or lost outside. Ever since the I have only used Cash App for digital purchases. Please, please help me with this situation. I'm literally shaking. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I sent the creditor a letter requesting the debt be verified on XXXX XXXX, 2015. I have not received any such documentation.
Product: Debt collection

Lakeside Recovery Solutions are calling my daughter 's phone stating I owe a debt. The issue is I'm not the person they are claiming that owe the debt. They claimed my number is associated with that person so they gave me all of the person 's info. They gave me all of the information about the " case '' even though I'm not that person. I tried calling back to speak to a manager so they can take my daughter 's number off of the calling list but instead the person decided to tell me that I knew the person and was doing them a disservice by not giving them the info. I keep repeating that I don't know the person and they are calling my daughter 's phone, one of my business lines and to cease calling this number. The person got hostile with me and threaten the person the debt belong to. This is a big problem. They told me all the details of the account, the person 's private information including their address and phone number. This is a direct violation of CFPB.