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

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute some negative information that has been reported on my credit report. After reviewing my credit report, I have noticed several items that are incorrect and I request that they be removed from my report immediately. 

Firstly, the personal information listed under account number XXXX XXXX XXXX XXXX NJ XXXX, dated XX/XX/XXXX, does not belong to me. This address belongs to someone else and should be removed from my report immediately. 

Secondly, I have no recollection of authorizing a credit pull by XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. I did not give any authorization for this inquiry, and I demand that it be removed from my credit report. 

Finally, the account number XXXX under the name of XXXXXXXX XXXX XXXX is questionable. I would like clarification on this account, or I demand that it be removed from my credit report. 

I am requesting that these items be investigated and removed from my credit report as soon as possible. I appreciate your prompt attention to this matter, and I look forward to receiving a response from you. 

Thank you for your time and consideration. 

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

MY NAME IS XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Todays date XX/XX/XXXX I have looked at my credit report and I have noticed fraudulent credit card ACCOUNT NAME XXXX XXXX ACCOUNT # : XXXX i ask for the companies involved to do a PROPER INVESTIGATION AND DELETE THIS ACCOUNT PLEASE THANK YOU. 
THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE/ACCOUNT STATUS/ BALANCE / PAYMENT HISTORY LAST DATE REPORTED IS INACCURATE AND ACCOUNT NUMBER IS INCOMPLETE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL. I filed an IDENTITY THEFT CLAIM I WILL ATTACH THANK YOU 15 USC 1681 E ( B ) & 15 USC 1681 1 ( 5 ) DELETE THIS FRAUD ACCOUNT THANK YOU
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I sent the XXXXhree credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or update the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

On XXXX XXXX @ XXXX XXXX I received an email from XXXX XXXX a part of Best Buy store that fixes computers and electronic equipment. This email referencing an electronic signature of mine and a change of {$340.00} being attached to a service a recently had done. The identify this as a Premium Plus Plan coming from the internal department of Best Buy, called XXXX  XXXX. I did have work done on a computer back in XX/XX/year> from XXXX NJ Best Buy department store then the next day, the computer could not be repaired, I just bought a new computer, costing over {$2000.00}. I believe this email is a phishing email scam and is extremely alarming that this scammer or phishing email has some knowledge of a purchase or service I conducted with Best Buy, using my Best Buy credit card. My question is, has Best Buy security, digital data been breached or compromised with my information being compromised? This email, I believe very strongly, is a phishing email or scamming email sent to my private email account that Best Buy has but somehow, a part of my information as to purchase or service has been exposed. Ive sent a copy of this email to corporate Best Buy today as well but this has become very confusing and alarming to receive. Sender did leave a phone # to call with some details as to a invoice information. Hopefully, this may help you in investigating this harassment contact
Product: Credit reporting, credit repair services, or other personal consumer reports

Chexsystem has a issues with there system when u put in ur request your request for releasing your data to another bank or credit union the bank receives errors all the time. When I call and verify that my information was lift on this date and time XX/XX/XXXX. 
This concern had been happening for a long time I'm assuming that when information from the bank only see ( security freeze in place ) So I assuming if this happen every time I need something there is a problem with the system releasing proper and accurate information to the appropriate credit union that I filed for. 

This same exact issues happen 6 months ago checking out the system see if it work and it doesn't took chexsystem 15 days to release my security freeze from my account/ check system indicates they lost all my data on these dates at hand XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and this list goes on. The see concern and issues need to be looked. And investigate. Why chexsystem promise their customers ( there freeze will be lifted immediately ) when the information is completely false all these date and occasions I have experience inconvenience from chexsystem..
Product: Debt collection

This company Convergent Outsourcing is reporting to XXXX and XXXX on my consumer report that a debt is owed to them. I have not received any information regarding this debt from this company, or an opportunity to dispute the validity of this debt. This company is in violation of the Fair Debt Collection Practices Act section 809. Their negligence has caused me distress and hampering my ability to obtain credit.
Product: Checking or savings account

On XX/XX/XXXX, I got a text message with the caller ID of Wells Fargo. It asked me if I had approved a charge in Florida. I have received these calls in the past from Wells Fargo in the past asking if I had authorized something. When I replied NO, I got a call with caller ID again saying Wells Fargo. The man identified himself and stated he worked in the Wells Fargo fraud department. 

He told me he was going to put me on hold and call the FCIC. While I was on hold three other notifications came through on my phone saying another XXXX XXXX dollars of charges had just been made. When the man returned to the line I informed him that another XXXX XXXX had just gone through. He stated he saw that and he had spoken with the FCIC and he needed me to log on to my account and get into XXXX. 

I had never once used XXXX and did not know how that program worked. He told me that I had to start transferring the XXXX XXXX out of my account and move it to other accounts I had. Unbeknownst to me he had it going into another counter other than mine. He stated the next day a supervisor in the fraud department would call me. 

The next day I did not hear from the fraud department and called them. They informed me they never sent me a text or called me. They send me to the fraud department to file a claim and they then said they couldn't take the claim b/c I had sent the money myself and put me back to customer service. She then told me clearly I had been scammed and they would start a investigation. 

It is now XX/XX/XXXX and they have refused to help me get my money back. It is my understanding that according to their policy if you are unknowingly are scammed they do refund your money. I also asked for documents they say I legally have a right to get to show me how they investigated this. All they sent me was a copy of the statement that shows where the money was transferred out. 

Finally, I have all of the text messages that were sent to me on XXXX from the people that scammed me. I have offered to provide Wells Fargo these text and they said they will ask for them if needed. As of XXXX, they have yet to ask for them. 

Can someone please help me get my {$3000.00} dollars back. 

XXXX XXXX
Product: Credit card or prepaid card

on XX/XX/2018 I attempted to make a payment towards my commerce bank credit card but I was going to use my XXXX XXXX XXXX checking account to make the payment. I used {$10.00} from my XXXX XXXX XXXX account to go toward the commerce bank payment and for it to be taken off the XXXX  XXXX XXXX card the same day. One week later I check my account any my commerce credit account balance is really high and I click to find out why, and it was because there was {$35.00} worth of banking fees charged to my account. So I called customer service only to find out they were not willing to credit back fees because they claim I made an error at the time of payment but that was not the case as I checked my account personally online and in person and the commerce and XXXX XXXX XXXX.But commerce bank is stating that the account number was wrong but I personally checked the account numbers online and inperson with a teller. The numbers were correct but the credit bank is still disputing that they made an error and refuses to credit my account back the entire amount that I was charged and as the error was not my doing I should be refunded.
Product: Mortgage

ROCKET MORTGAGE AND ANOTHER CREDIT AGENCY IS CALLING FROM XXXX DIFFERENT NUMBERS LOOKING FOR A " XXXX XXXX '' ... I AM NOT XXXX XXXX AND I'VE HAD THIS NUMBER FOR 10 YEARS! THEY WON'T STOP CALLING NO MATTER HOW I'VE ASKED THEM. MY NUMBER IS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I used mobile deposit of a {$1500.00} check from a person stating they would by some furniture for me. That posted to my account. Then I was contacted to XXXX {$1100.00}. Once that seemed to work, that same person sent a second check for {$1800.00}. That also posted to my account but then I got suspicious and did not XXXX more money. I call Bank of America immediately but was told I had to wait over the weekend for the deposits to actually process at the bank. Once those deposits bounced ( which I told them they would ), the {$1500.00} and {$1800.00} was deducted from my account by BoA. I filed a XXXX XXXX police report. I continued to call BoA for assistance, being told they could not do anything and to ask the fraudster for a refund. I contacted XXXX directly and received no help. I contacted XXXX XXXX as well, requesting they participate. I elevated within BoA but all along I was told that they could do nothing and they were not at all concerned that I would close all my accounts. I read recently that CFPB has sued banks over XXXX fraud and everything in the article is exactly how my experience was. I have alot of documentation to back up most of these activities.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was taken advantage of by XXXX XXXX. The used car XXXX XXXX XXXX XXXX miles, purchase price was {$15000.00}. I was charged 22.99 % interest. The interest rate was way too high and over the allowable 21 % in Louisiana. The total is {$30000.00}. Payments are {$550.00} at 51 months. This loan was made XX/XX/XXXX. So far, Ive paid over {$10000.00} on this fraudulent loan. 
The company is also reporting 2 late payments on my credit report. I am attaching proof that payments were made before 30 days each month. Please investigate XXXX XXXX.
Product: Prepaid card

Name of Co : U.S. Bank National Association - Cardholder Services - XXXX XXXX XXXX XXXX, FL XXXX In XXXX, I purchased a " XXXX XXXX XXXX '' Pre-Paid card from XXXX grocery store. Later that same year, I went on vacation out of the country and tried to use my card and XXXX froze the card and blocked me from using it. I contacted cardholder services and was told that the card was blocked and flagged for fraud ; and that matter would have to be addressed by the fraud department. Shortly, thereafter, I spoke to an individual in the fraud dept. My account was closed so I requested a refund of the balance which is now {$480.00}. That person told me that I would have to provide photo ID & Social Security Card. I was told that I could only send the documents by FAX and there was no " confirmation '' that could be provided when the documents are received. I was concerned about this process sending personal info without verification. I willing sent the photo ID and last four digits of social and the pre-paid card information. Still no reponse. I got a lawyer involved who also sent a letter on XX/XX/XXXX but still to this date.. no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting incorrectly that I am 30 days past due on XXXX XXXX XXXX partial account number XXXX. ( Please see page 5 and 6 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Product: Mortgage

A Mortgage Company has conducted a modification behind without my consent. The primary account holder did not advise me that a modification was happening. After doing research and receiving documents from the loan, I noticed that the modification agreement was only signed by the primary account holder and the co-borrower did not sign the document for the agreement to move forward. I did not sign the modification. The Mortgage Company went ahead and did the loan modification without my consent and it shows that my name was crossed out from the modification. I fell that the Mortgage Company is still reporting on my credit report I fell that this loan modification was done illegally.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE SEVERAL ITEMS ON MY CREDIT REPORT THAT ARE NOT MINE. I NOTICED IT BCAUSE I RECENTLY APPLIED FOR A CREDIT CARD AND I WASNT APPROVED SO IT PROMT ME TO CHECK MY CREDIT REPORT. THESE ITEMS LISTED ARE NOT MINE AN DNED TO BE DELETED FROM MY CREDIT REPORT. XXXX  XXXX {$850.00} XXXX  XXXX {$490.00}
Product: Checking or savings account

During the week of XXXX XXXX, PNC bank reordered deposits and withdrawals on my account to maximize overdraft fees. Deposits were not credited to my account consistent with my PNC banking agreement. This has occurred previously on the account in XXXX and XXXX an overdraft fees were refunded. When I asked for a review and refund of fees, this was denied by the company.
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Student loan

I called about 4 weeks ago and requested a refund for all payments I made during the COVID under the CARES act. Unfortunately, I still haven't received any update or refund yet.
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX : - XXXX XXXXXXXX Balance : - XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, AZ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX
Product: Debt collection

State collections service inc is wrongfully sending my account to collection by not only compiling multiple smaller medical debts into one to make a larger debt, but violating hipaa laws by selling and buying medical debt
Product: Debt collection

I contacted a Southwest Recovery Services representative [ XXXX ] on XX/XX/2023 I ask the representative about a debt showing in my XXXX XXXX application and she said I owed [ {$1300.00} dollars ] However, I do not owe that debt. My information was stolen, I already filed a police report see attached and I initiated a dispute with the major credit bureaus and Southwest Recovery Services ( Debt Collection Company ) In addition I added a fraud alert to my credit report. 

This account numer [ XXXX XXXXXXXX Texas ] was opened by a cyber criminal who stole my personal information therefore, I am a victim of identity theft and I am not responsible for this debt. 

Nobody from SW recovery services has contacted me yet. I havent received any verification letter following the rules by ( FDCPA ) act. 

Please forward this police report to Southwest Recovery Services and help me fix this nightmare asap. I've sent XXXX more emails containing proof in XXXX format of my Federal Trade Commission and IC3.gov Identity theft reports. I hope you find this information helpful and feel free to contact me if you need any additional information. 

This was XXXX of many emails that I sent to both companies, the electricity company XXXX XXXX XXXX Texas and the collection company called Southwest Recovery Services. Today XX/XX/2023 The collection reporting to XXXX that my credit is past due and this derogatory marks are destroying my credit score. Please assist me with this matter Thank you, Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Today Tuesday XX/XX/XXXX I reached out to Transunion special handling department supervisor XXXX XXXX XXXX and I asked why wasnt these fraudulent accounts removed or blocked and he explained to me that he see I disputed these items in the past and no consumers responded to them and that he has to wait 30days for them to respond or the accounts will be removed or blocked I then explained to him that the last dispute wasv5 months ago and they still hasnt responded then he changed his original response to the consumer verified these accounts via by letter so I demanded that the letter be sent out to me for proof of verification that these accounts belong to me and his response was he can not do that. After going back and forth about the letter and he realized that I caught him in his lies he then changed his response again by stating that they ( Transunion ) has determined that these items belong to me by matching the name, address, DOB and social. I asked XXXX XXXX did he understand that Im a victim of identity theft and there is no way that Transunion can verify these accounts based off my identity.. I asked him to send me that in writing and he refused so I explained to him that he was being very unprofessional and I felt like Transunion was being Biased towards me and that they are violating my constitutional rights. XXXX XXXX then ended the call
Product: Debt collection

I have been contacted by the company on theses dates XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, and XX/XX/23. I called the company on XX/XX/23 as well as XX/XX/23 to let them know they have the wrong phone number for the debt they are attempting to collect and I am still receiving phone calls despite being both times that I called that I would not be contacted again.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/2021 I have made several attempts with the credit bureaus to remove the bankruptcy of my credit reporting profile as this is a violation and I have rights t my privacy. I know my laws and have rights to have it remove. A second letter was send out to the bureaus since XX/XX/2021 and still no response I need this DELETED ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the Credit Bureaus AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXXXXXX Balance : - XXXX XXXX Balance : {$380.00} XXXX XXXX XXXXXXXX Balance : {$1300.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX ( Original Creditor : XXXX NC XXXX XXXX Balance : {$150.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

Sunrise Credit has called me repeatedly throughout day. When i did answer i asked for information about this alleged debt to be sent to me in writing. However before anything was sent to me this account is appearing on my credit report and they are tellng me it can not be removed. The only thing i can do is pay it and had it sit on my account. I have been a victim of identity theft before and it has been reported. They were not helpful i was young up on and transferred without event being told. I spoke with a XXXX who said there is nothing that can do even if the debt is not mine i have to pay it and it will look better on my account as a paid collection. This account is not event reporting correctly a collection account reporting a balance in inaccurate reporting. I also spoke with a XXXX and XXXX and being told i have to pay this debt they i did not get any verification for that it belongs to be. This collection account is detroying my credit and i want this removed. If they contiune to refuse i will take legal action due to them demanging my good name. 

Account number : XXXX