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

I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT AND WAS SHOCKED THAT I HAVE BEEN A VICTIM OF IDENTITY THEFT. I FOUND NUMEROUS FRAUDULENT ACCOUNTS REPORTING ON MYCREDIT THAT WERE NOT OPENED BY ME. THIS HAS BEEN HURTING MY CREDIT AS I AM IN THE PROCESS OF PURCHASING A HOME. PLEASE REMOVE AND BLOCK THESE FRAUDULENT ACCOUNTS AS SOON AS POSSIBLE.
Product: Money transfer, virtual currency, or money service

To : XXXX XXXX XXXX Complaint Resolution Manager Re : {$350000.00} wire transfer to XXXX XXXX XXXX XX/XX/2018 Dear Mr. XXXX : My name is XXXX XXXX, and I am the sender of the above referenced wire transfer to BB & T Bank. I received your reply to my previous complaint with CFPB, but, I must say, it was totally unsatisfactory. I am not asking for any account specific information. 
As I understand it, these funds are now in the possession of your Fraud Department. This wire has been recalled several times by XXXX XXXX XXXX., my broker. I ask why your bank has not complied with the several recall requests? This entire situation can be resolved simply by BB & T Bank honoring the XXXX recall requests. 
Your Fraud Department has no logical reason nor legal right as I see it to hold these funds rather than return the funds to XXXX XXXX XXXX. 
Please comply with my request and return my funds to XXXX XXXX XXXX. ASAP. Your bank 's delay is causing many problems to me in conducting my business. 

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

XXXX who manages my student loans, who put my loans in automatic Forbearance, then reports my XXXX loans as 'late '. The accounts should never have been placed in automatic Forbearance nor especially been reported. This action is supposed to protect the status and maintain " good standing. '' I disputed it thru Experian, whom I pay a monthly membership to help with these things. The dispute has been resolved and XXXX reversed the " late payment ''. However, the account status still reads, " potentially negative '' and my score did not return to where it was, before all of this. My credit immediately dropped nearly XXXX points due to XXXX 's purposeful fraudulent reporting. Experian states there is nothing they can do, that the score is based on some " algorithm '' and referred me to XXXX. XXXX said there's nothing they can do, that Experian is actually responsible for the handling and correction of my score. I am getting the run-around and don't feel I have much recourse other than to file a lawsuit against XXXX and all involved. This is completely unfair as I worked so hard to fix my score and now it has been destroyed by false reporting and lack of accountability in anyone fixing it. What an injustice to the consumer. I please ask for assistance and for this being returned to the score it was, prior to XXXX 's false credit reporting. On a separate issue, I have many student loans that are not on my StudentAid.gov, but that XXXX insists are mine. I have asked XXXX repeatedly over the years to open an investigation into these loans that are not mine, and they have done nothing but continue to demand loan payment. I've been paying since approximately XXXX, it's hard to believe an original loan from XXXX for an amount of {$500.00}, is still owed and due. Something is terribly wrong!!!!!!!!! Please help.
Product: Mortgage

21ST MORTGAGE HAS AN OVERPAYMENT ON ESCROW THAT NEEDS TO BE APPLIED TO THE BLANCE THIS IS AN ON GOING ISSUE EVERY YEAR WOULD LIKE THE {$470.00} ODD DOLLARS APPLIED TO THE BALANCE SO I CAN BRING IT CURRENT
Product: Mortgage

We had a foreclosure sale dated XX/XX/XXXX. We filed a motion to extend the sale date and there was a Home ( XXXX XXXX XXXX ) meeting on XX/XX/XXXX and the judge agreed to extend the sale date to XX/XX/XXXX. On XX/XX/XXXX the judge signed the order to extend the sale date for 30 more days, and it was furnished to all parties thereafter. On XX/XX/XXXX a copy of the original short sale request was submitted a second time along with the judges order to extend the sale date. 
The bank later sent a letter to all parties advising us, that they had insufficient time to perform their review and therefore did not provide us with the short sale approval letter. 
The bank has been doing this for several years, whenever we sent documents that they requested they would wait until those documents expired and then send a new request. By doing this, we keep losing prospective buyers for the properties. This is so wrong. We are at the point where they are planning to foreclose on the property. 
Please advise.
Product: Mortgage

My loan was paid in full on XX/XX/2019. An additional payment was deducted from my checking account in the amount of {$1800.00} on XX/XX/2019. As of today, XX/XX/2019, I have not had a refund issued for my overpayment. I have tried calling several times, and each time the service advisor gives me a different answer on how long it will be until I get my money back. Now, they are saying it could be up to 60 days. I just want my overpayment refunded.
Product: Checking or savings account

I opened up a Wells Fargo checking and savings account for the first time on XX/XX/XXXX but it was closed on XX/XX/XXXX for an old fraudulent account back in XXXX that I never opened. Due to that old fraudulent account being closed my new account is set to close on XX/XX/XXXX. I have no knowledge of that old account from XXXX. That account was opened in my name fraudulently. I need negative false information to be remove from XXXX and XXXX XXXX XXXX  so I can open up my bank account. 
Please help me resolve this. 

Thank you
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX TransUnion LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Dispute of Late Payments on My Credit Report From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX Email : XXXX Phone : XXXX ( XXXX ) XXXX Dear TransUnion Representatives, I am writing to formally dispute the accuracy of certain late payments listed on my credit report. In accordance with 15 U.S.C. 1681c ( a ), under the Fair Credit Reporting Act ( FCRA ), I am requesting that these late payment entries be removed or corrected as they may no longer be valid according to the law.

Legal Basis : 15 U.S.C. 1681c ( a ) Time Limitations on Reporting of Certain Information According to the law : 15
U.S.C. 1681c ( a ) Information excluded from consumer report.

( 1 ) In general. A consumer reporting agency may not make any consumer report containing any of the following information : ( A ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. ( B ) Any other adverse item of information ( other
than a judgment ) which antedates the report by more than seven years.

This provision of the Fair Credit Reporting Act mandates that late payments and other negative information must be removed from a consumers credit report after seven years. Therefore, any late payments on my credit report that are older than this time period should no longer appear, and I respectfully request their removal. 

I have attached a copy of my identification and my credit report for your reference. Please confirm in writing the resolution of this dispute within the legally required timeframe. 

Thank you for your attention to this matter. I look forward to a prompt resolution in compliance with the law. 

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

On XX/XX/XXXX, I found XXXX false derogatory reports on my XXXX Credit Report. They were put on there on XX/XX/XXXX. for XXXX different reports of XXXX, XXXX and XXXX for monies owed to XXXX XXXX on XX/XX/XXXX, under a different last name then my legal name. 
I disputed the report w/ XXXX right away online and then called the reporting company-Universal Recovery  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. Ph # ( XXXX ) XXXX. 
I spoke to XXXX XXXX. XXXX XXXX could not find the account under my legal name or under my XXXX membership #. 
I explained to XXXX XXXX-that this was not my debt and she somehow finally found the account. I explained that I never had a XXXX XXXX checking account and I never have been to XXXX XXXX. Also, she stated it was with a joint account and I have never met or known of the other person whom she gave the name of. 

My concerns with this is : 1. This company reported this debt on my XXXX credit report under a different name. I have had my present legal name since XXXX. Prior to that I had the name that this account is under ( which is a common name ). XXXX XXXX was very aware of that and made the statement. " So you never used this name before? '' The only way she would have known that was by an internet search or obtaining my credit report. 
2. She made me feel, I was not being truthful and it was my debt. 
3. XXXX XXXX informed me that she had the last XXXX digits of my SS # and my birthdate. 
If this other person went in to XXXX XXXX and wrote 3 bad checks-they would not have given that information-I feel again this was found by this company with an internet search. 
4. This company found w/ an internet search and/or my credit report-a few vague similarities with myself and the actual person who wrote these checks and put this on my credit report. 
5. I have worked hard and diligently to have a good credit rating and it dropped it 100 points w/ XXXX . 

I sent an Affidavit of Forgery per XXXX XXXXXXXX 's direction via email to their company. My feeling is that the person who wrote those bad checks actually had that name and this company in their desperate need to get money put this on my account erroneously.
Product: Credit card or prepaid card

Paycheck was deposited to my bluebird prepaid card from my job XXXX XXXX XXXX XXXX on XX/XX/2021 and my account was permanently suspended and no one can tell me anything and it has all my money on it
Product: Debt collection

I am disputing this issue with Navient, but am sending the letter to your agency on the same day that I am sending it to their consumer advocate. Please see attached letter to Navient regarding their hits on my credit report,
Product: Debt collection

I requested the debt be validated with signature and complete account information and they they sent me a statement with only the amount without original contract, signature, or account information. They did not respond to any of the items or information in which I requested.
Product: Credit reporting

Public Record DetailsReference Number XXXXDate Filed XXXX XXXX, 2014Date XXXX XXXX, XXXXStatus PaidAmount $ XXXXClassification LienType Tax Lien Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX happened while I was going through a mortgage modification with XXXX XXXX XXXX. I had called them up to correct this error, since it was their error, my taxes are part of my mortgage payment, but XXXX forgot to make payment for XXXX months. I did n't even know about this error, and only found out about it when it showed up on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, NY XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX consumer inquiry center. XXXX XXXX has a loss claim for property and it is not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

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

" THIS IS NOT A DUPLICATE NOR IS THIS COMPLAINT BEING FILED BY A THRID PARTY. I AM FILING THIS COMPLAINT MYSELF. PLEASE SEE THIS COMPLAINT IS PROCESSED TO THE LETTER OF THE LAW '' Equifax, XXXX XXXX XXXX are failing to comply with FCRA laws & sections. I was the victim of Identity theft & have reported the information to all 3 credit reporting agencies ( CRA ). I've provided them with a police report, identity theft report and identifying documents to substantiate my position. They have failed to provide me with any verifying proof these accounts, which were opened fraudulently, belong to me or I have any legal obligation. The following accounts & addresses were opened without my knowledge, consent or authority & I need them blocked/removed from my credit. XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I'm including the police report, identity theft reports & my verifying documents to prove my position. Please see the listed accounts are removed/blocked from my credit report
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX. XXXX XXXX XXXX The aforementioned account, is the result of identity theft and fraud, I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that the consumer credit account, is the result of identity theft and fraud.
Product: Credit card or prepaid card

I have always paid my bills on time and I am having an issue with Kohls where my auto pay stopped and I was not aware. I have also recently moved. I am requesting that all late fees from XX/XX/2019 are reversed as they were charged after I was told they would be waived by associates on the phone. Kohls says that have no record of such request. Some fees have been reversed but not all. 

XX/XX/19 LATE FEE {$27.00} XX/XX/19 INTEREST CHARGE ON PURCHASES {$2.00} XX/XX/19 LATE FEE {$27.00} XX/XX/19 INTEREST CHARGE ON PURCHASES {$1.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I was denied credit through XXXX Bank on or about XX/XX/21, and a Experian credit report was utilized. I attempted to contact the aforementioned credit reporting agency to obtain my report within the the allotted free period at XXXX, this agency makes it extremely arduous to obtain your report through the mail. In fact, they require you to send a signed statement in the mail. Through this complaint, immediately, send me a complete copy in the mail of my Experian credit report for which I am entitled to.
Product: Debt collection

I am writing to inquire if you could help me with an aggressive collection company named XXXX XXXX XXXX. 

The credit card debt from my Bank XXXX XXXX XXXX card ending in ==== was originally sold to a company named XXXX XXXX. 

They have sold my debt to several collection agencies or attorneys. I started paying on this debt which was over {$10000.00} in XXXX. I have always been consistent in my payments. 

I am XXXX and work part time as my condition permits. I have limited set income each month. 

In XXXX, XXXX XXXX XXXX took over the debt and demanded I pay XXXX per month for their two year contract because their contract was up in two years and they threatened a new company would make me pay a larger monthly payment. 

Since XXXX has taken over the debt they have bullied me into thinking I had to pay them as high at {$130.00} per month in order to keep my account current and no action to be taken. 

Since COVID 19 they have not offered me any payment deferrals and I begged them to lower my payment to {$50.00} which is still hard for me to pay. 

In XXXX, they agreed that they would lower the payment to {$50.00} dollars per month for the duration of the debt, but when I received my statement, they raised my monthly payment to XXXX beginning in XXXX. This is not what I agreed to. And since I have been out of work due to COVID 19 the XXXX dollars is not doable any longer. 

All I can pay at the most is {$20.00} per month. 

I have been faithfully paying this debt since XXXX, some agencies that I worked with were kind and let me pay {$20.00} per month. But my debt keeps getting tossed around to different agencies and I believe I am being taken advantage of, bullied, lied to and scared into doing whatever they demand. 

Why if I have consistently paid the debt for more than eight years, should I be hounded by people who have bought my debt for pennies on the dollar? 

Is there any action you can take in helping me reach a fair monthly payment, or letting me know since this debt is so old if its past the statute of limitations and should be expunged. 

Any guidance you can give is greatly appreciated.
Product: Checking or savings account

Sofi has restricted my account. I am a 100 % XXXXXXXX XXXX and do not have any access to my funds. This is putting me in a position of XXXX and being held in contempt as I can not make the child support obligations I need to. They have not given me any information related to the restriction, and it has been a few weeks by now.
Product: Debt collection

I have sent this company letters over and over again since XXXX, 2017 and they have yet to provide me with anything with the debt that i owe. This account was a joint account an was paid off years ago. These are the certified mail tracking numbers XXXX that was signed for by a coastal employee, along with numerous of other attempts to remove this invalid debt.
Product: Credit card or prepaid card

I'm having trouble with dates because now I'm stuck living in a van pay pal - netspend my wife deposited money to the card for unemployment its been 6 weeks she has been paid back by me the funds were for getting my car from impound deposit went through used card for a small purchase to make sure it worked the next day went to get car didn't work called they froze it because I was primary she was secondarily on the card I'd verification I sent the socuments and called multiple times transferred to multiple departments supervisor fraud department asked for legal department feel like they are just putting someone else on the phone but caused me to lose my car job and place in 6 or 7 weeks wont accept documents after being told in the beginning that they would close the acc and mail me a check waited 14 days called card still active called they said sorry couldnt do it. And the are still taking their fees out but I cant touch it and I have called like 13 or more time 's sent documents 4 or 5 times I'm at a los they already ruined my life I feel like and instead of being able to fix it I'm stuck on a phone on hold with no real benefit card had XXXX dollars on it so I pay for the card the fee 30 days still held hostage except the exception I owe a monthly fee snatch ok were even but who are you again I'm at a loss and don't know what to do
Product: Credit reporting, credit repair services, or other personal consumer reports

These Accounts : ( 1. ) XXXX XXXX XXXX XXXX XXXX ( 2. ) XXXX XXXX XXXX XXXX XXXX XXXX ( 3. ) XXXX XXXX XXXX XXXX XXXX ( 4. ) FRANKLIN SERVICE INCXXXX ( 5. ) XXXX XXXX XXXX XXXX BE ADVISE, THIS IS NOT A REFUSAL TO PAY, BUT A NOTICE SENT PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT, 15 USC 1692g STATING YOUR CLAIM IS DISPUTED AND VALIDATION IS REQUESTED. This is NOT a request for " verification '' or proof of my MAILING ADDRESS, but A request for VALIDATION made pursuant to the above-name TITLE and Section. I respectfully request your offices to PROVIDE me with competent evidence that I have any LEGAL OBLIGATIONS to pay you. At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX, OR XXXX ) this ACTION may constitute fraud under both Federal and State Laws. Due to this fact, if any negative Mark is found on any or my credit reports by your company or the company you represent, I will not hesitate in bringing LEGAL ACTIONS against you and your client for the following : VIOLATION of the Fair Credit Reporting Act, VIOLATION of the Fair Credit COLLECTION PRACTICES ACT, and DEFAMATION OF CHARACTER ( per se ). If your offices are able ro PROVIDE the Proper documention as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time ALL COLLECTION ACTIVITIES SHALL CEASE AND DESIST. IF YOUR OFFICE FAILS TO RESPOND TO THIS VALIDATION REQUEST WITHIN 30 DAYS FROM THE DATE OF YOUR RECEIPT, ALL REFERENCES TO THESE ACCOUNTS MUST BE DELETED AND COMPLETELY REMOVED FROM MY CREDIT FILE.
Product: Credit card

I had several fraudulent charges show up on my Apple Card including charges from international retailers. I contacted Apple Card support about the fraudulent charges and they provided a provisional credit while they investigated. XXXX of the charges they were investigating were for XXXX. Following their investigation, XXXX of the disputes was decided in my favor. However, the second one was not decided in my favor. I asked why it was not decided in my favor and they claimed that it was because I already received a credit for the charge on the other dispute and believed it was the same charge. However, the charges were for XXXX different amounts and I did not make either charge. Furthermore, I never heard of XXXX so I googled it and the website appears to be fraudulent. I tried to contact them via their email they had posted but never received a response. I appealed their decision and provided proof that they were XXXX separate charges for XXXX different amounts but they decided in the merchants favor again. I tried to dispute it again and they say it can not be disputed again. However, I did not make a purchase at XXXX for {$1000.00} and should not have to pay for a charge I am not responsible for. Especially such a large fraudulent charge. 
The charge was initially made on XX/XX/XXXX and was disputed through the card company and appealed. On Monday XX/XX/XXXX, they decided the appeal in the merchants favor but I never made the charge. Apple Card also refused to provide any information on why the dispute was denied.
Product: Payday loan, title loan, or personal loan

ive been trying to contact you guys about lates on my credit report
Product: Debt collection

I am reporting a debt collection issue involving XXXX XXXX and Midland Credit Management. The original creditor sold my debt to a third-party agency but failed to issue me the IRS form 1099 C for canceled or forgiven portion of the debt as required under the IRS. I have made attempts to resolve this matter directly with the original credit and the collection agency. The failure to provide this documentation has left me uncertain about my potential tax obligations and my legal rights regarding the debt. I also never signed anything with Midland Credit so Im unsure of how they attained my information.