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

On XX/XX/XXXX, I received a fraud check from a fake company that contacted me through a XXXX  contact, I deposited in my Wells Fargo account using the mobile app thinking it wouldnt clear if it was a fake check. The money cleared the next day XX/XX/XXXX.I figured I should wait 7-10 business days to make sure, I called Wells Fargo to talk to a Wells Fargo Account Rep to ask if the check had cleared she stated the check did process and clear and the company was a real company the Money was in my account and I didnt have to wait. After asking a second time could she make sure to make sure the money was clear and couldnt come back out if the checked bounced she stated the company money cleared and its in your account now and cant be pulled out or bounce. This was a fake customer survey company it asked for me to take their money they sent and purchase certain girt cards XXXX XXXX is what I bought {$1500.00} 3x {$500.00} cards from the {$1800.00} they sent, Most of the rest was my commission. I used my XXXX credit card to purchase and paid it off with the money they sent me. After I finished the assignment and sent them over the info, the gift card info and survey worksheet, Monday XX/XX/XXXX my bank contacted me saying I had deposited a fraud check. I I then contacted the bank to start fraud process, worked it all the way up to 3 different departments as high as I can get, they listen to the phone recording verifying the rep confirming what I said, and stated it could take up to 6 month for a check to clear some times. I they couldnt do anything about it even know I was scammed. The FBI is now involved and police, Ill see where it goes.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX RE : You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. 
As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also, we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, Better Business Bureau, and Federal Trade Commission. 
1. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 

2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 

3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 

4. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 

5. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 

6. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 

7. Please remove it from my credit report. 
XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

8. Please correct/update this inaccurate information on my credit report. 
XXXX XXXX  XXXX Account Number : XXXX To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 

9. Please correct/update this inaccurate information on my credit report. 
XXXX XXXX  XXXX Account Number : XXXX To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 

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

TransUnion TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX I need you to attend the following shown items in this letter which contains data taken directly from my credit report TransUnion which you have provided. 
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 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 Delete this unconfirmed inquiry lacking certifiable evidence unless physically certified verified proof is demonstrated per U.S CODE 15 U.S.C.

1681 ET SEQ. Section 604 of Fair Credit Reporting Act Once you have fulfilled my request, mail me an updated credit report reflecting these changes. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a complaint due to Equifax reporting unauthorized credit inquiries on my report. I have uploaded supporting documents stating that I did in fact have a fraud alert on my my acct starting XX/XX/XXXX which would last 90 days and after the 90 days I have always added the fraud alert back onto my account my latest fraud alert ended XX/XX/XXXX and once a fraud alert is placed on my acct the  CRAs that added the fraud alert are to notify the other CRAs to apply a fraud alert as well and they are to notify me anytime my credit is being run. I have disputed these inquiries by phone, online and by mail and you all have constantly denied to. I am suppose to be contacted every time someone runs my credit but I wasn't. I didn't authorize these inquiries, therefore my consumer rights were violated. Pursuant to  1681c-1, before establishing an account in the name of a consumer with an fraud alert on file, a creditor must contact the individual to confirm that the application for credit is not the result of identity theft. If the fraud alert contains a contact number, the creditor must either contact the consumer directly or take reasonable steps to verify the consumers identity before opening a credit account in the consumers name. I was never notified. I am demanding that the following unauthorized credit inquiries are removed from my credit report you all did in fact violate my consumer rights. Remove the following accounts and I would like a updated credit report within 30 days of these changes that will be made.   >>XXXX XXXX  Inquiry from XX/XX/XXXX, XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX, XXXX Inquiry from XX/XX/XXXX, XXXX XXXX XXXX Inquiry from XX/XX/XXXX, XXXX Inquiry from XX/XX/XXXX , XXXX Inquiry from XX/XX/XXXX, XXXX Inquiry from XX/XX/XXXX, XXXX XXXX Inquiry from XX/XX/XXXX, XXXX XXXX XXXX Inquiry from XX/XX/XXXX, XXXX XXXX Inquiry from XX/XX/XXXX, XXXX XXXX Inquiry from XX/XX/XXXX, XXXX XXXX XXXX Inquiry from XX/XX/XXXX, XXXX  Inquiry from XX/XX/XXXX, XXXX XXXX Inquiry from XX/XX/XXXX, XXXX Inquiry from XX/XX/XXXX ,XXXX XXXX Inquiry from XX/XX/XXXX<<
Product: Credit reporting or other personal consumer reports

I submitted a complaint to CFpb XXXX on XX/XX/XXXX this year regarding transunion XXXX and XXXX information on my account during the time that alleged incident occurred. I personally had to go out and find the mortgage company all the way in XXXX XXXX and work with him in order to get a {$20000.00} condo off of my account from XXXX XXXX. After which responded to you saying they would investigate these things delete all the inquiries. None of the inquiries were deleted, and my credit is still suffering.
Product: Debt collection

This writer was reviewing my credit profile and saw that Lewis , McDonnell & Associates were posting negative marks on all my credit all my profiles for a debt ( account # XXXX ) that I had no knowledge of. I contacted Lewis , McDonnell & Associates multiple times in writing and by phone ( Tel : ( XXXX ) XXXX ), asking them to substantiate this debt because this is not my debt. I have been requesting that the account referenced in this letter be removed as it is not mine, but I never got a response. 

Every time I called and spoke with an agent from this company, I was told that they were reviewing the account. Then, early in XX/XX/2022, I spoke with XXXX ( Ext XXXX ) from Lewis , McDonnell & Associates, who advised that if I wanted to dispute an account, I needed to email my dispute letter to Lewis , McDonnell & Associates at email : XXXX, which this writer did. 

On Thursday, XX/XX/2022 at XXXX PM ( email attached ), I emailed ( emailed to XXXX ) and mailed ( mailed to address XXXX XXXX XXXX, XXXX, CA XXXX ) a notarized letter requesting substantiation of debt. I then called on XX/XX/2022, and spoke with XXXX, who advised that they had received my dispute letters and XXXX was assigned to review the case, but at the time, XXXX was unavailable. 

Under Section XXXX ( a ) ( XXXX ), generally, a debt collector is required to provide the validation information required by XXXX ( c ). However, it has been over 30 days and this debt has not been substantiated. 

Lewis , McDonnell & Associates violated my rights as stated as a consumer under the Fair Debt Collection Practices Act ( FDCPA ), as this debt collector has not responded to a request for a debt validation letter within 30 days. Moreover, they are reporting negatively on my credit report, which is tarnishing my credit. 


Here is Lewis , McDonnell & Associates ' contact information : XXXX XXXX XXXX XXXX, CA XXXX Email : XXXX Tel : ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was told my bankruptcy would be off my credit report in 7 years. I hope you can help me. I have tried with all 3 major reporting agencies, to no avail.
Product: Debt collection

As per the guidance from the Comsumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( bX4 ) -5***1002.142 ( bx7 ) .I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only2 are required per the law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( bX6 )
Product: Payday loan

Speedy Cash took {$1000.00} out of my bank account without my permission on a {$300.00} loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft, these accounts was open fraudulently. I need them remove
Product: Checking or savings account

On XX/XX/year>, my Capital One account was compromised, resulting in unauthorized withdrawals that depleted nearly all of the available balance, plus a credited amount for a portion of the unauthorized charges, executed through the platforms " XXXX XXXX XXXX '' and " XXXX XXXX XXXX '' Upon returning to town and accessing my bank account, I immediately noticed the discrepancies and contacted Capital One. The bank responded promptly, crediting back the full amount that was withdrawn. However, I chose not to utilize the partial credit of {$12000.00} issued by XXXX XXXX XXXX, which was deposited under my correct name, opting instead to leave those funds in my account, just in case of them later saying it was not returned etc. Now I am held liable for these funds. 

Subsequently, Capital One decided to close my account and has forwarded the remaining balance to me. However, they have placed a hold on the {$12000.00} credited by XXXX XXXX XXXX, and no specific timeline or release date for these funds has been communicated to me.
Product: Credit card or prepaid card

On XX/XX/XXXX and XX/XX/XXXX there were 12 charges to my Debit card from XXXX. Charges range from {$.00} - {$69.00} 6 of the charges dropped off and never actually came through as charges. 

On XX/XX/XXXX I tried to used my debit card and the restaurant received a notice that the card could not be used, I immediately call SunTrust to notify them of the FRAUD issue on my account. 
I was not in New York on XX/XX/XXXX and XXXX and did not use XXXX. 
The last time I used XXXX was on XX/XX/XXXX for the amount of {$42.00}. 

I never got an answer why 6 charges were dropped off and didn't actually come through as charges but 6 charges are still on my account.

The total amount for the 6 charges is {$240.00} XX/XX/XXXX {$6.00} XX/XX/XXXX {$44.00} XX/XX/XXXX {$62.00} XX/XX/XXXX {$15.00} XX/XX/XXXX {$69.00} XX/XX/XXXX {$44.00} Suntrust ( NOW TRUIST ) has given me no reason why they are denying this as FRAUD. When it clearly is FRAUD.

I was not in New York on XX/XX/XXXX and XX/XX/XXXX. I was in XXXX, VA and if you access my phone location you can see that I was in XXXX, VA. 

And I was also at a restaurant in XXXX, VA on XX/XX/XXXX trying to use my card when I found out my card had been shut down by the bank.
Product: Payday loan, title loan, personal loan, or advance loan

I have a loan with One Main Financial # XXXX. In XX/XX/2024 I called to stop autopayments from being withdrawn from my XXXX XXXX bank account ending # XXXX. I also switched off directpay from their website in XX/XX/2024 for all future auto-withdrawals. Despite this, One Main Financial withdrew {$330.00} from my account without authorization on XX/XX/2024 when my payment became late. I am having financial hardships and this withdrawal caused further problems. It is my understanding their action is unlawful, I requested a refund of this money, they have not responded in any way. Can you seek recovery of these funds? Thank you. 

XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX, CA XXXX
Product: Mortgage

Issue : Suntrust 's Unethical business practices and an unreasonable increase in monthly mortgage payment. The first increase was from {$750.00} to {$1000.00}, a difference of {$310.00}. After numerous discussions with Suntrust, the mortgage was adjusted to {$870.00} which is {$110.00} more than I started with during the course of one year. I have a tax assessment from XXXX XXXX Government, XXXX XXXX XXXX XXXX XXXX which states as of XXXX XXXX, XXXX. I was approved for XXXX XXXX Special Assessment of 4 % approval based on the % of ownership ( XXXX XXXX ). 
I am currently billed at 6 % and have not received a refund payment for the 2 % difference. I paid the 6 % for one year. I was told by Suntrust Mortgage I had to wait until the tax bill was issued, and that bill was issued XXXX XXXX, XXXX. Each of the XXXX previous loan service providers who bought the mortgage note prior to Suntrust also refused to make any adjustments to the mortgage payment which would reflect 4 % state tax. Instead of a mortgage payment decrease there was an increase 4 months after Suntrust Mortgage became the servicing institution. 

This increase has caused a severe hardship and emotional angst. I am a retired senior with XXXX source of income and may have to consider selling my home if I do n't get some financial relief.
Product: Prepaid card

I was gifted an Electronic American Express Gift card ( card ending XXXX ) from my employer with a value of {$250.00}. I registered the card and have not been able to use the card at any retailer ( online or in person ). I called American Express and they advised me that many retailers no longer accept the card. I asked if they could send me a physical card to present at a store, in the hopes that it would alleviate the issue- I was advised they could not. I now have a card that I can not use.
Product: Credit reporting

Customer service would not help and take care of the negative inquiries reported to my credit report. My employer provided me with a letter stating that someone had filed unemployment under my name and social security. At that time i checked my credit report and I seen a lot negative inquiries that I do not know anything about, and would like removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXXXXXX XXXX XXXX XXXX  Account # 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 age can not furnish a account without my written instructions.
Product: Mortgage

Whenever I attempt to make a payment over the required amount to Carrington Mortgage, it tells me that I can not make a payment over required amount. If I go to submit a payment after, it tells me that I can only make 1 payment a day. If I go the next day to make an additional payment to the mortgage, it tells me that I can not do any additional payments.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, Wells Fargo Bank obtained my credit report from XXXX by a hard inquiry. The inquiry is recorded on XXXX as XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, IA XXXX. During the visit to Wells Fargo XXXX XXXX, the Wells Fargo XXXX banker mentioned that a credit card may be available for me. I did not authorize Wells Fargo to obtain my credit report from XXXX resulting in a hard inquiry to my XXXX credit report. 

I request that Wells Fargo report to XXXX that the hard inquiry on my credit report was made in error, that this hard inquiry on XX/XX/year> be removed from my XXXX credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

AES/XXXX is reporting XXXX fraudulent loans on my credit report and have refused to cease the credit reporting after several promises to do so. I have been calling and disputing this information sinceXX/XX/XXXX2017, and for the last five months I have been lied to, harassed for payments, told false information, and basically have been running around in circles trying to get someone to actually take action and do an investigation. In the past I made payments on these loans by sending in one lump sum to the creditor to cover ALL my loans, which included those that I did take out in my name. There are four loans that I DID take out in my name but there are three loans that I DID NOT authorize to be taken out in my name. I am a victim of identity theft. I sent in a police report, XXXX XXXX XXXX XXXX, and proof of identity to AES/XXXX back in XXXX 2017. After multiple calls I did n't receive an XX/XX/XXXX XXXX XXXX from their company for completion until XXXX XXXX, 2017. Five months later, after requesting one to be sent to be beginning in XX/XX/XXXX, they finally sent the form. They continue to report late payments and the defaulted loans to the credit reporting agencies after I was promised it would cease and be removed after receiving my XXXX XXXX XXXX. Not once has this company followed up with me. I always have to call them and when I do they always provide me with false information. I was told by several representatives that XXXX is servicing these loans and they are rejecting my fraud packet. However, whenever I call XXXX they have no record of me. This company has no regards for victims of identity theft and continue to provide me with false information and in turn are damaging my credit. I have kept a record of all communications with this company. They received a completed/notarized fraud packet on XXXX XXXX 2017 and according to the packet credit reporting was to cease 15 days after receiving the packet, which was XX/XX/XXXX. They have yet to do so and had the nerve to tell me they ca n't because XXXX rejected the packet. XXXX does n't even know who I am when I call so how can they reject a packet? If anyone from AES/XXXX  actually bothered to called the XXXX number they gave me they would be able to understand that they are rejecting it because they have no record of me!!!!
Product: Mortgage

On XX/XX/2015 SLS without our authorization withdraw fund from our account and/or any notification, causing my family hardship and unable to catch up with the mortgage payments, then we requested a Loan Modification, which they continue to denied, until we send a letter to President Obama administration, in order to qualify for Making Affordable Program, which was granted by the President Obama Administration, after that SLS entity send me a qualification for a Loan Modification but in really it was very disappointed to see what they were offering me which is as follow : Monthly Payments of {$2200.00} for 242 month and a balloon payment of {$360000.00} at the end of the term, meaning that I will end paying triple the amount of my property also I will lose my property because it will be impossible to pay a balloon payment on the amount of {$360000.00} neither my wife or my sons and daughter. My wife and I are XXXX who are collecting Social Security Benefits and receiving the aid of our children an I believe that is not reasonable a proposition where they are asking for {$660000.00} at the end of the completion of 242 month when my property is only value at {$190000.00}, which was appraisal by SLS entity.
Product: Debt collection

XXXX initially contacted me, a third party, for a debt. I asked for a written statement, which was provided, but without the necessary information. I then sent a debt dispute letter which should have ceased contact, however, it did not, and I've received repeated phone calls and voicemails from the company without the appropriate written response as required by law on behalf of the company. Additionally, they call repeatedly from several different numbers both based out of their state ( NY ) as well as local numbers to me in NH. At one point, they were calling 4 times in a row and leaving voicemails.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023, I sent money in the amount of {$370.00} to someone who promised to be selling an item to me that I purchased through XXXX XXXX. I found this person ( known as XXXX on the platform ) on the online XXXX, XXXX. As asked by them on the listing, to supposedly avoid the " 20 % fee '' that XXXX takes from sellers, I contacted them via XXXX, asking if the item was available. After talking shortly over text, I sent the money to a " payment phone '' that he had, confirming I had done so with him. After waiting until the next day for a response, I messaged him about the order, but got no response. I contacted my bank ( Bank of America ) to get help regarding the transaction, and was prompted to wait until Tuesday, XX/XX/XXXX, to dispute the transaction. Shortly after disputing the transaction, it was resolved, ending in the claim not being paid. I have also contacted the Federal Trade Commission, XXXX ( in regards to reporting the transaction ), XXXX  ( for reporting the user and his post ), and local law enforcement ( for filing a police report on the incident ).