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

XXXX XXXX XXXX Security, Date of Birth : ( XX/XX/XXXXXXXX  ) This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, TRANSUNION credit reporting agency , remove XXXX Account number # XXXX Date opened XXXXXXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number # XXXX this is the result of identity theft and fraud, remove all listed inquires and accounts within 4 business days of you receiving this complaint. These accounts have resulted in several fraudulent accounts appearing on my consumer FICO credit report. I've attached a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or negative accounts listed above. The aforementioned accounts, inquiress, collections, 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 ) 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

I am filing this complaint because the credit bureaus XXXX and Transunion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts that I disputed. They are simply responding to my disputes as " verified '' without proper documentation. Under section 611 ( S ) ( A ) of the FCRA- they are required to " ... promptly delete all information which can not be verified '' that I have disputed. They are NOT to just simply call a company and mimic on my credit report, what is said to them over their phone without proper documentation and/or proof that I have had business with them. They also MUST send me proof of documentation ( if any ) as well and they have failed to do so.
Product: Checking or savings account

Ally lost my money for a several days. 

On XX/XX/XXXX I requested funds be transferred to Non-Ally accounts. The funds left my account that day. On XX/XX/XXXX ( 7 days later ) the funds were returned to my account saying Ally couldn't transfer the funds they way they initially recommended. They told me lots of stories why the funds weren't returned for 7 days - none of the stories were the same. 

On that same day at XXXX XXXX ET I requested funds be wired out of the account on their recommendation that it was the best and fastest way to get the money. As of Friday XX/XX/XXXX at XXXX XXXX ET the wire request still has not been completed. 

From XX/XX/XXXX to XX/XX/XXXX Ally has only apologized and told me things take time and gave lots of reasons why they couldn't/would n't release the funds. 

I have not receive 1 penny of interest on the account and have incurred transaction fees since the funds weren't made available to me when I requested them. 

There devil is in the details and I have a LOT of details on one mess-up after another since this whole thing started on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Springleaf Financial is reporting a delinquent status on a closed account that has no balance. They are reporting the past status as the current status which is reporting to XXXX and XXXX each month as delinquent and causing the item not to age. Please let me know if you can assist.
Product: Debt collection

Zions Debt Holding open on XXXX XXXX, XXXX a collection in my credit report of XXXX of {$610.00}. 

I WAS A FRAUD VICTIM OF FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. 

This is not the first time that I complain about this, because the first time was XXXX XXXX XXXX that open a collection, XXXX XXXX, XXXX, of {$610.00} in my credit report of XXXX. After the dispute, later was remove from my credit report. In my credit report of XXXX there is a statement of fraud victim.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX The above account is not my account. I have reached out to the credit bureaus over 7 times. They have yet to remove this account or provide me proof. I have no knowledge of this account and it need to be removed from my credit report. This is fraud and is affecting my credit. THIS IS NOT MY ACCOUNT. FRCA states everything should be 100 % accurate, if not it must be removed. REMOVE THE ACCOUNT OFF MY CREDIT.
Product: Debt collection

I went to XXXX in XX/XX/XXXX with a XXXX debt.a firm purchased it and sued me while in XXXX.I was given something to sign by a guard.was n't given a chance to read it, ask questions or anything.did n't receive a copy.only legal advice I got was guard saying it would n't matter by the time I got out.when I got out in XX/XX/XXXX.I got a job and suddenly my wages are garnished.me nor anyone else had any idea that firm had been charging twelve percent interest the whole time.no attempt was made to inform anyone of anything.I panicked at the garnishment and made a deal for weekly payments.I 've been paying every since.they 've collected twice the original amount and I still owe.I feel the way they handled the situation was sneaky, underhanded and just wrong.it 's hard enough for an ex felon to make a living without this.I need insurance, dentures, my kids need help but any money I have is going to the firm
Product: Checking or savings account

They sent me an email stating they were making my Savings account. i dont have any accounts with bank of America XXXX This is pure fraud. They wont talk to me. They wont tell me what is going on. Im scared they are trying to steal my identity. There seems to be nothing I can do to stop them. please help. I havent lost any money yet that I know of, I just dont want to be a victim because of bank of America XXXX
Product: Debt collection

I am appalled by the persistent presence of fraudulent accounts on my credit report, despite assurances from reputable banks and validation of identity theft. The failure to remove these entries, despite clear evidence of their fraudulent nature, constitutes a blatant violation of credit reporting laws. 
XXXXXXXX XXXX XXXX XXXX
Product: Student loan

On X/XX/17 Navient received an additional payment of {$50.00} from me. This payment was supposed to go towards the Principle amount and not interest. I followed their instructions and created a separate letter stating that i wanted my {$50.00} to go towards the principle balance. I stated it several times in the letter that they told me to write, they stated that placing it on the memo line of the check will not be sufficient. I look on my account today and see they they put the entire {$50.00} towards the interest, exactly what i specified them not to do. I have two loan consolidation lines and asked them to put {$25.00} towards one principle and {$25.00} towards another principle. I am trying to pay down the balance of my loan so i wo n't be paying it off for the rest of my breathing life. How are they allowed to blatantly ignore instructions they asked payees to do. I know they saw the letter because i placed the check inside the folded letter. I planned to mail {$50.00} every two weeks so it can go towards my principle but I see they do n't even follow their own instructions. Thank you
Product: Credit card or prepaid card

I was involved in a romance scam 3 years ago and the XXXX got a hold of my information and opens up a Capitol one card in my name. The charge was for {$5000.00} dollars to a company called XXXX. I had a court document appear in my mail saying they are suing me for XXXX which I dont have. I complained to the collection agency handling account said about the fraud. The collection agency also said looking at records a attempt was made to pay it from a account in XXXX. At the time of my romance scam I did not file police report I was scared and threatened by the scammer verbally. I have tried to call the representative XXXX from Capitol one several times no return call. The courthouse said this happens a lot with Capitol one. My problem is I have no money covid hit me very hard financially and on top of that I am having XXXX  XXXX on a few weeks. Any help will be appreciated.
Product: Credit card or prepaid card

Back in  XXXX  of  2016  I was a victim of  XXXX   XXXX  and suffered power outage for a week as well as property damage that caused a financial hardship. I contacted Navy Federal Credit Union for assistance and was provided " assistance " with payment forgiveness, which I later found out was not handled correctly in accordance to their disaster relief polices and subsequently was further impacted due to the mishandling/misinformation provided and ultimately lead to my credit report being impacted. Since then I have called numerous times as well as submitted hardship documentation through their online website in an attempt to reconcile the accounts in question and prevent them from continuing to fall past due. The Specialis ts at Navy Federal have provided me misleading information as well as have not followed up with me as promised on multiple occasions. I  have asked to be contacted by what they call their " personal finance management " team and promised a call back on several occasions and have to this date not received any follow ups yet I get collection calls daily. Please look into this matter, I can be contacted at  XXXX  and my name is  XXXX    XXXX
Product: Mortgage

I received a statement from ditech notifying us that any partial payments ( additional but not yet an entire month 's payment ) will be held in an " un-applied funds account '' until it totals an entire mortgage payment, then they 'll apply it to the mortgage. We 've been on time with our payments the length of the mortgage ( 5+ years ) and have been paying a little ( {$65.00} ) extra per month to be applied toward principal. Based on this statement, instead of applying to reduce our principal, they 've created an " account '' that now has {$360.00} in it. This " account '' has no benefit to me ; it is not earning any interest nor has it been applied to my principal. I contacted ditech today and they said, " oh you just need to call us and let us know, we can make an exception to your account to apply these extra amounts to principal. '' While perhaps my account is now squared away ( I 'll keep checking ), this seems like a pretty deceptive practice as a whole. It is my understanding that payments should be applied to the benefit of the borrower, but this practice clearly offers no benefit to borrowers, particularly those who are current and who 's loan is in good standing.
Product: Credit card or prepaid card

In XX/XX/XXXX, used credit card to purchase airline tickets for travel in XX/XX/XXXX. In XX/XX/XXXX, I closed the credit card as it was no longer needed. However airline tickets for the referenced XX/XX/XXXX travel was cancelled due to COVID-19. In XX/XX/XXXX, airline provided refund in the amount of {$570.00} for the cancelled airfare and returned the funds to the closed credit card, as it was the method of payment used for purchase. I've sent an inquiry to Wells Fargo to determine how to obtain the refunded monies and was informed I would have a response within 10 days of XX/XX/XXXX, which would have been XX/XX/XXXX. I've made multiple phone calls to attempt to ascertain status but I'm constantly told that the case manager is not available and will return my calls. This has not happened.
Product: Debt collection

On XX/XX/2022 Amount of {$4900.00} I sent this company a Debt Validation/Cease and Desist letter requesting this alleged debt be validated and to stop all communication until this information is provided. As of today 's date, XX/XX/2022 you have failed to prove that this alleged debt belongs to me, and you never responded to my letter request. You have violated my consumer rights under the FDCPA 15USC 1692 ( g ) b. Validation of debt. I also stated that you cease and desist communication but not limited to any collection attempts and or reporting of this account to any consumer reporting agencies. 15 USC 1692c ( c ) Ceasing communication. You have also violated my rights on a state level because you are not registered in the State of Florida to collect on an alleged Debt. You are in violation of the FCCPA. No person shall engage in business in this State of ( Florida ) as a consumer collection agency without first registering in accordance with this part [ Sections 559.553 and 559.555 ]. This law firm and another debt collection agency trying to collect on the same account at the same time
Product: Checking or savings account

Since returning to Florida, Bank of America has been making our lives a living XXXX by CONTINUALLY FREEZING my mom 's debit card due to " unusual activity. '' At this moment, IT IS FROZEN!! 
My mom is XXXX XXXX XXXX. And for her to be paying for groceries and the purchase being declined is VERY HUMILIATING!! 
We are homeless because Bank of America keeps freezing the card. No one wants to rent us someplace with this problem. I opened the account in XX/XX/XXXX. I had a few priblems over the years, but they were NOTHING like what has happened over the last year. 
These freezes have caused me to LOSE EVERYTHING WE HAD IN STORAGE!!! AND I MEAN EVERYTHING!!! My clothes, furniture, ID, social security card, birth certificate and other things that are nonreplacable. My grandmother 's ashes were there, too. 
I have lose XXXX XXXX XXXX because of them! 
Since I did not have my ID and my own debit card expired on XX/XX/XXXX, no one would assist me with getting my email address changed, so I can sign into my account due to XXXX XXXX!! 
We will be closing the account!
Product: Debt collection

I recently reviewed a copy of my credit report and noticed that I have fraudulent accounts on my report. Please remove these accounts off my report, they are hurting my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a chime credit builder in XXXXXXXX XXXX it kept giving me negative marks so I called at the end of XXXX and canceled the credit builder but kept my banking ( that does not go on my credit ) I was still getting negative marks and showing that the account was open. XXXX and XXXX closed it but transunion has not. I have been disputing this since XXXX they removed the marks last month and then let it happen again this month. I called XXXX they confirmed the account is closed but when I called transunion they say it's opened so I started a new dispute which would be my third one. I have been working on my credit since XXXX and this account has significantly damaged it even though there was no late payments and not that it has been closed for months it still is damaging my credit and niether companies has helped any time I have reached out to them. I have documentation on everything.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX sent in a letter to Equifax, XXXX, and XXXX. Please see the attachment for my full complaint.
Product: Credit reporting or other personal consumer reports

Freedom mortgage has taken over as servicer of a mortgage according to them in XXXX of XXXX. We never received any information. Ive requested copies of what they sent and have not received said copies. 

We continued making payments to old mortgage servicer. I received my first notice in email to change my password from Freedom Mortgage on XX/XX/year>. I ignored it as I had no other correspondence from Freedom mortgage and determined it was spam. On XX/XX/XXXX I received a notice from Freedom mortgage via email that a letter regarding my loan was available, again, I had no knowledge or notification that my load was ever transferred. We continued making payments to the old mortgage servicing company. On XX/XX/XXXX, we received a notification that a mark had been out against my wifes credit. We also noticed at that point that the XXXX payment only was returned to our bank from the old mortgage servicer. We called them, learned what happened and made payment in full same day. I also contacted freedom mortgage to try and learn more about how we were notified. All they could tell me is that we had been notified. Ive provided bank statements to show this was an error and that payments were made. Theyve determined the the report to our credit must stand. This is wrong and to this day, they will not confirm when or how I would have received a notification for something as important as needing to send our payments to an entirely new servicer. 

Thank you for your consideration, XXXXXXXX XXXX XXXX XXXX XXXXXXXX
Product: Money transfer, virtual currency, or money service

I use an app to save money. On multiple occasions now, my bank makes changes which affects my ability to do this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed in this package, which appears on my credit report, does not relate to any transaction that I have made. It is the result of identity theft. I was incarcerated from XX/XX/XXXX until XX/XX/XXXX. During that peiod some one used my identity to purchase houses, open several bank accounts, apply for credit, file taxes and seek medical care.
Product: Credit card

I purchased few items from Macys online on XXXX end and XX/XX/XXXX week this year with Macys credit card that is linked with my Macys account. I returned all the items still my balance was shown as complete amount of original purchase with added fees etc even after month. I disputed and it was in my favor, but still i was shown some random amount of more {$180.00} in my account. I called macys customer service department, credit card and dispute department multiple times but didn't get much help. One of the customer service person asked me to pay {$69.00} and they will close the account. But still after paying it remained with pending balance. I have called customer service department and stayed in calls for 2hrs each time and everytime they were removing latest late fee and interest and not giving any explanation for pending amount. 

On Tuesday XX/XX/XXXX, I called macys and got confirmation in email that i don't owe any amount to macy 's and they told it should havXXXX XXXX  balance updated in 3-4days. But now again i am getting reminder emails to pay the balance. Can you please help? It impacted my credit score. They have harassed and tortured me alot. Please help
Product: Checking or savings account

I made a mobile deposit with BBVA on XX/XX/XXXX for XXXX and received notification from BBVA that the amount had been credited to my account. I received an email at XXXX on Friday, XX/XX/XXXX that they were not accepting the deposit. There branches were not open and no one helped in numerous calls to customer service. This error caused payments I made to bounce and caused my credit score to fall. BBVA refuses to respond to messages sent and continues to credit transactions and then have them disappear from the list without any notification as to why. I have screen shots of these for proof. I have banked with them for over 25 years and no one will explain and the customer service reps told me to contact the local branch, who said it was all done digitally. I want this rectified now.
Product: Debt collection

I was called in on my home phone and cell phone on XX/XX/XXXX. I was called again on XX/XX/XXXX on my home phone, cell phone and I was emailed by XXXX XXXX. I was asked to supply my credit union account number and social security number which I refused to do. 
I called my credit union and was told that they do not use collection agencies to collect and all of my accounts were checked and I have no loans ( which I already knew ). The phone number that called me was XXXX and the person that sent the email was XXXX XXXX, email address of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$18000.00} ; XXXX XXXX XX/XX/2022.
Product: Debt collection

I HAVE ALREADY SUBMITTED THE FTC FRAUD REPORT TO ALLY AND THEY SOLD THE DEBT TO A DEBT COLLECTOR WHICH IS ILLEGAL
Product: Credit card or prepaid card

On XX/XX/2017, I spent {$100.00} on a NetSpend Prepaid Debit Card. {$100.00} of that was to be credited onto the balance of the prepaid card, while {$2.00} of that was paid towards the activation fee of the card. 

After purchasing the card, I called NetSpend customer support to activate the card, so that I may use it. They presented me with too many hoops and hassles to use a simple prepaid card product, so I instead requested a refund for my purchase. The customer service representative obliged my refund request, and voided my card. The balance on my card was deleted and my card was rendered unusable. He told me that a check would arrive in the mail for {$100.00}, as my refund. 

About three months later, I called in again to ask about the status of my check, because I had still not received it. They told me they would send it again, but still did not. 

Now, it has been over 7 months since they were supposed to send me my refund check, and they still have not. When I call them, they purposely make the process as hard for me as possible. They ask me to send in all sorts of documents to them, to prove my identity and address, when all I want is a refund of my own money. 

But anyhow, I oblige them and send them the documents they request. Most recently, they requested proof of address in the form of a utility bill or bank statement. I sent them said document to the email address they provided. 

Then, I get a response in the email saying that this isn't the proper procedure, because I have no reference number. Yet, I was never ever given a reference number. 

Nobody at NetSpend is willing to resolve my issues. They only bounce my issue back and forth between departments, so that nobody is ever going to help me. I only want my refund check of a {$100.00}. They have already voided the prepaid card I purchased, so it is only right that they refund me the money. I have received nothing for my {$100.00} purchase.
Product: Credit reporting or other personal consumer reports

in accordance with the the Fair Credit Reporting Act, XXXX XXXX Account # XXXX, XXXX XXXX XXXX/ XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX XXXX XXXX  Account # XXXX, has violated my rights 15 USC 1681 Section 602 ( a ) ( 4 ) states i have the right to privacy, 15 USC 1681 Section 604 ( a ) ( 2 ) : also states any consumer reporting agency can only furnish an account with my written instructions, they were never given written instructions
Product: Credit reporting or other personal consumer reports

I put in a complaint prior to this that is currently still open they responded that they will check with XXXX and get back to me. Its been XXXX weeks and no response from the company.