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

I received a fraudulent cashier 's check on XX/XX/XXXX for an oven I was selling on XXXX marketplace and XXXX. The individual XXXX XXXX XXXX wrote from email address XXXX and explained that they would send more money than the selling price - the surplus intended to pay for the movers that would pick up the item. I deposited the check on XX/XX/XXXX ( Ally deposit reference XXXX ), an initial {$300.00} was available on XX/XX/XXXX, and the full {$3400.00} amount was cleared into by account XX/XX/XXXX. After transferring {$2000.00} to the phone number provided above, I was told by Ally on XX/XX/XXXX that the check bounced. The scammer then contacted me to transfer more money to a different phone number XXXX. When Ally called, I was informed for the FIRST time that customers are recommended to place a freeze on their accounts when they receive checks from unknown contacts. I was also told that despite being sent an Ally email that confirmed the full amount was available, I was personally responsible for not using those funds for 7-10 days to ensure full clearance. My Ally account was immediately restricted for negative funds and fraudulent activity. This involved both the checking account associated with the check AND my investment savings account. Ally claimed that the investment savings account would not be affected by restricting the checking account access, but a quick call to Ally Investing dept confirmed that one username is used for all accounts. Therefore, I am not able to access any funds in my uninvolved investment savings account. A week after the initial fraud call, I had not received any communication from the Ally XXXX '. I called back to learn that I have been PERMANENTLY restricted/banned from Ally. This means they have also permanently barred me from the money in my investment savings account - money I need to start a new account at a different bank. I can not pay any credit card bills either. A representative recommended that I transfer my savings into my checking account to clear my debt incurred by the scammer! I filed a police report for scammer, but it also feels there is no accountability or security with Ally Bank. They kick out customers without notice after they accepted the same realistic check that I fell for. I've not only been robbed by a scammer, but by Ally as well since they're holding needed funds. There is no option to appeal once the Ally fraud hotline representative says the 'investigator ' made a final decision ; they bully you out of whatever money you entrusted to them. This feels like inappropriate behavior for an 'established ' bank. What is the point of a bank being insured? XXXX  collectors are already contacting me for the indebted amount. Ally fraud case # XXXX. XXXX, VA police report # XXXX. Names used : XXXX XXXX, XXXX XXXX. XXXX Sender : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX. Emails used : XXXX, XXXX, XXXX. Phone XXXX, XXXX, XXXX. XXXX ID : phone XXXX, XXXX or XXXX XXXX.
Product: Debt collection

I recently received a notice that I'm being sued by Velocity Investments over a debt for over {$11000.00}.

I've never heard of Velocity, nor am I aware of such a large debt as most of my debts were settled in a previous debt consolidation.

The only debts I have in my records now are a recurring credit card payment and medical bills that don't add up to anywhere near that amount. Nothing else shows in credit reports, or I'd be able to see information on it or possibly dispute it. I'm neither aware of where this supposed debt came from or who Velocity is.
Product: Mortgage

I received a letter from my home insurance company, XXXX XXXX, dated XX/XX/22 notifying me that my premium payment was not received from my escrow account. I called Rocket Mortgage and informed them about the letter. I was told that Rocket Mortgage sent over a check for XXXX clients in the amount of approximately $ XXXX and XXXX had never cashed the check. A three-way conference call was held between myself, Rocket Mortgage, and XXXX XXXX XXXX during the call it was decided that Rocket Mortgage would re-send the check to pay my insurance premium. Rocket Mortgage did not send a check in a timely manner to pay my home insurance premium, it was not received by XXXX until XX/XX/22, after the cancellation date. I am now receiving a bill dated XX/XX/22 from Rocket Mortgage for lender-placed homeowner 's insurance for the dates of XXXX that is a result of Rocket Mortgage 's error in the first place, failing to pay my XXXX XXXX XXXX  in a timely manner. This has caused a bill of {$77.00} from Rocket Mortgage and a late fee by XXXXXXXX XXXX of approximately {$57.00} due to Rocket Mortgage 's error and late payment of my insurance premium.
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 sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you through this platform. Here are the items that are erroneous in my file and need investigation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$630.00} XXXXXXXX XXXX XXXX XXXX Balance : {$500.00} XXXX  XXXX Balance : {$650.00} XXXX XXXXXXXX Balance : {$7600.00} XXXX XXXX XXXXXXXX Balance : {$420.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$150.00} XXXX XXXXXXXX Balance : {$780.00} XXXX XXXX XXXX Balance : {$150.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$270.00} XXXX XXXX XXXXXXXX XXXX : {$1000.00} XXXX XXXX XXXX XXXX XXXX : {$1000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$120.00} XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$540.00XXXX XXXX  XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXXXXXX XXXX  XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX
Product: Student loan

All student loans where payed off because of disability. Income was not able to pay off. Approved for government payoff over 5 yrs ago. XXXX still shows balance and delinquency on credit report.
Product: Credit reporting or other personal consumer reports

I am unaware of this debt I did not have the opportunity to dispute this debt correctly, I did not receive proper notification, if indeed you believe i have received proper notification of this debt, please provide copy of the certified mail receipt with my signature on there saying i received it.
Product: Credit reporting or other personal consumer reports

I kindly ask you to review this complaint thoroughly, as it was not submitted in error. My credit report contains mixed and incorrect information, including accounts, transactions, and items that are not mine. This is extremely concerning and has caused me immense stress and anxiety. Its deeply frustrating to deal with the consequences of errors that should not be on my report.
Product: Vehicle loan or lease

The vehicle was totaled and was supposed to be paid off by XXXX insurance. They failed to do so, and I have filed dispute after dispute. Even explained the circumstances to them and I still can't get it removed.
Product: Credit reporting 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 XXXX XXXX XXXX  XXXX XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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: Student loan

Called ECMC to inquire about a dispute -- spoke with  XXXX   ( refused her last name because she said she did n't have to ) She was rude, dismissive and lacked knowledge. She should not be allowed to work federal loans EVER! I requested a Manager bu t she transferred me to whoever she wanted to -a team leader named  XXXX   .    This is the worst experience I have ever had and I do not appreciate this type of customer service when I am being caused financial hardship and doing everything to correct this situation.  XXXX  needs to be fired! and so does h  er Manager for not properly training!
Nevertheless, I do not owe   this loan, this is fraud and I have presented the proper documents to prove it. I have never been to college and never went to this school. I am being offset for my taxes and this is not my loan. Period!
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed accounts with Equifax and they have not responded within the required time by the FCRA. I would like the items removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't have time to waste anymore! its been past 60 days that I've been waiting for the credit bureaus to remove the fraudulent and unauthorized accounts I submitted in a dispute on XX/XX/XXXX that never received a response. Also, submitted another dispute XX/XX/XXXX that hasn't received a response to as well. The credit bureaus are in violation with the FCRA and HIPPA laws. I am a victim of identity theft, i brought this to the attention of the credit bureaus more than once but it seem I'm being ignored. they have caused me tremendous hardship due to the fact their letting unauthorized accounts that are fraudulent report to my credit report. I will bring this matter to the attention of the XXXX XXXX XXXX and the office of attorney general of Ga this week!!!. Ive been affect by the XXXX Equifax, and XXXX XXXX XXXX data breach. i explained this before I had my identity stolen by someone that used it to get unemployment benefits in my name last year. Their is obviously someone using my identity to do things I have not authorized. As the original creditor, only I can validate these accounts. I do not validate these account. Therefore, the following accounts must be deleted from my report. I will also seek litigation and {$1000.00} per violation for Defamation, Negligent Enablement of Identity Fraud, Violations of 15 U.S.C 1692g if these accounts are not deleted immediately off my credit report.
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my personal credit report, which I acquired fromXXXX, XXXX. I noticed an unauthorized inquiry made by your company CITI CARDS/CITIBANK Cbna on XX/XX/2018 and XX/XX/2018. I did not authorized anyone employed by your company to make an inquiry and view my credit report. You have violated the Fair Credit Reporting Act Section 1681b ( c ) .You are not legally entitled to make the inquiry. This is a serious breach of my privacy rights. I request that you either mail me a copy of my signed authorization form that gave you the right to view my credit within five ( 5 ) business daysso that I can verify its validity.
Product: Mortgage

Bayview MXXXX included {$3600.00} payment over to me to pay for a mistake on they behalf. Transferred to Community Loan applied for Modification for 6 months my mortgage is only {$560.00} they increased my mortgage 8600.00. Transferred to XXXX XXXX XXXX. I the process my fixed interest rates has change which my payment has also change. I purchase my house XX/XX/2000 in the amount t of {$54000.00} I refinance one time received {$16000.00}. The amount has Increased with each on the two Mortgage companies listed above Bayview and Community I know something is wrong.
Product: Debt collection

I received a letter from Regional Adjustment Bureau XXXX XXXX XXXX stating that I owed {$7200.00} ( {$4800.00} principal and {$2400.00} interest ) to XXXX XXXX and they were collecting. I have never heard of this company and do not have any unpaid loans. Upon calling to inquire I was told that this was a student loan of my daughter 's that I had cosigned on from XXXX XXXX XXXX University in XXXX where she attended in XXXX. She has not had anyone contact her from this or any other collection agency and is currently making payments on her student loans monthly.RAB Inc told me they did not have to contact her because I was a cosigner of her loan and I was responsible for paying. This is the XXXX I have heard of this issue and it seems shady to me since it was over XXXX years ago and no one has contacted me about it or contacted my daughter. She is paying her loan so this seems like a scam of some sort.
Product: Debt collection

Midland Credit Management is false information that this account is being handled by XXXX for my OTHER ACCOUNTS. 
MIDLAND IS NOT PART OF THAT PROGRAM...
Product: Debt collection

Iq Data International has been reporting a collection on my account in the amount of {$7600.00} The collection has been reported as a past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature. I hope your day is going well, but I need your help. I noticed the following issues with this account on my credit report. I did not authorize nor know anything bout this account listed. This is a fraudalent account. I know my rights. this is stopping my life please remove them immediatley .You have 30 days. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 615 ( f )
Product: Debt collection

Have been turned over to collection on a debt that I do not recognize. Repeated requests for details ignored. Research indicates the originating company is a " internet get rich quick '' type scam. But I am not furnished any details. 


XXXX XXXX CR CO COLLECTION ACCOUNTORIGINAL CREDITOR : XXXX AFFILIATE INCOME INCACCT INFO DISPUTED MEETS FCRA UnknownLoanType Open TransUnion
Product: Checking or savings account

I filed a complaint with CFPB around XX/XX/XXXX because USAA would not give me an explanation on why they were refusing to do business with me they responded that they were in able to determine my eligibility XX/XX/XXXX I asked them to escalate the matter because I was never informed about the decision ultimately, I became an employed XX/XX/XXXX which one confirms Im eligible for their products yet they still are refusing to unblock my accounts to banking, life and property and casualty products
Product: Credit reporting or other personal consumer reports

I have accounts that was opened fraudulently I filed my identity theft report it is attached
Product: Credit reporting, credit repair services, or other personal consumer reports

My issue is with XXXX ( website not working and costs $ $ $ ), XXXX ( costs $ $ $ ) and Equifax ( no security and insider trading ) for credit freezes.
My information was included in the Equifax hack and following instructions went to place a freeze on my credit report. The website does n't function and requires me to send in a variety of information over the mail. Additionally, it costs money each time I want to freeze/unfreeze my credit information.
I am 99 % certain if they had problems selling my information to others electronically they would place top priority on fixing those, but when it comes to protecting myself from the racket they are running its a pain in the @ $ .
Product: Credit reporting or other personal consumer reports

DISCOVER BANK XXXX Balance : {$1900.00} I believe the information being reported to be inaccurate. For that reason, Im requesting any account-level documentation in your possession in addition to the following information : * Application * account agreeement and annual disclosures * billing statements from open date to current * copy of hardship or workout plan agreement * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I looked at my credit report on XX/XX/year> and noticed some things are incomplete and not accurate.and according to the fair credit reporting act whenever a consumer reporting agency s consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.these accounts are incomplete and inaccurate. ( XXXX XXXX : acount # # XXXX ) XXXX XXXX  : account # # XXXX ) XXXX XXXX XXXX XXXX : account # XXXX ) ( XXXX XXXX  : account # # XXXX ) ( XXXX XXXX XXXX : account # XXXX ) ( XXXX XXXX : account # XXXX  ) the open date is not reporting correctly, date last active, date of last payment is not correct, closed date, balance owed, creditor type, payment status, creditor remarks are reporting inaccurate accoss all XXXX bureaus.ive highlighted these discrepancys on the most recent copy of my credit report in the files enclosed.please look in to this and help me get these negative inaccurate accounts deleted and help protect my federally protected rights.i have been XXXX XXXX XXXX XXXXXXXX the last 3 years and am trying to buy a car and a home.thank you respectfully
Product: Credit card

I am writing to bring to your attention several violations of the Fair Credit Reporting Act ( FCRA ) outlined in 15 USC 1681 and 15 USC 1681b, which I have identified on my recent credit report.

The FCRA clearly states under 15 USC 1681b ( a ) ( 2 ) that a consumer reporting agency may furnish a consumer report only in accordance with the written instructions of the consumer to whom it relates.

( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; To reiterate, if there are no written instructions from me ( the consumer ) authorizing the inclusion of specific accounts on my credit report, they should not be present. This constitutes a violation of the FCRA, as I never provided written instructions for the inclusion of the following accounts : DISCOVER CREDIT CARD, ACCOUNT XXXX XXXX Furthermore, the FCRA emphasizes the importance of accuracy and fairness in credit reporting. It acknowledges that the banking system relies on fair and accurate credit reporting, and it underscores the need for consumer reporting agencies to exercise their responsibilities with fairness, impartiality, and respect for consumers ' right to privacy ( 15 USC 1681 ( a ) ( 4 ) and 15 USC 1681 ( b ) ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX, and I appreciate your taking the time to delete some of the information in my credit file ; however, there are still other accounts that need to be corrected or deleted. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$570.00} XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXXBalance : {$560.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  XXXX*Balance : {$180.00} XXXX XXXXBalance : {$1400.00} XXXX XXXXBalance : {$1200.00} XXXX XXXXXXXXBalance : {$2500.00}
Product: Money transfer, virtual currency, or money service

XX/XX/year> Sent {$120.00} to person on XXXX through Bank of America for goods and services and was scammed. Person never sent items and said he would refund me but never did. Person stopped replying.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to formally report and request the removal of fraudulent items from my credit report, which are inaccurately reflecting my credit history due to identity theft. I have thoroughly reviewed my credit report from your agency and have identified instances of fraudulent reporting that I believe require immediate attention and rectification. I have outlined the details of the fraudulent items along with an explanation of the situation : I did not open or authorize the items listed above. It has come to my attention that I have been a victim of identity theft, and the reported fraudulent items are a result of this criminal activity. I have taken immediate steps to address this situation, including filing a police report and notifying the relevant authorities. I request your urgent assistance in investigating and rectifying this fraudulent activity on my credit report, in accordance with the Fair Credit Reporting Act. I kindly request the removal of the fraudulent items associated with the mentioned items, as it is negatively affecting my credit history and financial well-being. I am aware of the legal requirement for credit bureaus to investigate and respond to disputes within 30 days. Given the seriousness of this matter, I am seeking your prompt attention and resolution. Please provide me with a written confirmation of the removal once the investigation is complete. Furthermore, I request an updated copy of my credit report reflecting the accurate and corrected information, once the fraudulent items has been removed. These are the following fraudulent items that I want to disposed of : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I paid XXXX or Avant bank for a debt that I owed. A few weeks later a collections agency, called XXXX XXXX, said I owed them the debt. I called, told them I paid it off and they should reach out to whoever they purchased the debt from. I was told they needed to do an investigation into it would take 15 days. 

When I called back they said the debt had been paid but It could not be reversed from my credit. 

I want this reversed off of my credit report because I don't want this to show that I've had a recent collection. I never paid them and I don't owe them and I have the screenshot from my statement to show it. 

I called them and told them they need to reverse it. They just said they could only report that it had been paid not that it could not be reversed. I've tried calling twice but have gotten the same answer. I need this to be reversed. 

I have tried reasoning with XXXXAvant and they said there was nothing they could do and I would have to deal with the collections agency. 

Whos responsible? and how does this get reversed?