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

m submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent Items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any Items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX  XXXX BALANCED {$5700.00} XXXX  XXXX XXXX BALANCED {$500.00} XXXX XXXX XXXX BALANCED {$16000.00} XXXX XXXX BALANCED {$22000.00} XXXX XXXX XXXX BALANCED {$600.00} XXXX XXXX BALANCED {$0.00} XXXX XXXX XXXX  XXXX XXXX BALANCED {$0.00} XXXX XXXX XXXX XXXX BALANCED {$8800.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX XXXX ID : XXXX Date of XXXX XXXX ID Type : Driver 's License ID Number : XXXX Address : XXXX XXXX XXXX XXXX NY, XXXX I am writing to request an investigation of the following information that appears on my Chexsystem consumer report. I have NEVER opened or used the following account numbers : Bank Name : XXXX XXXX XXXXXXXX XXXX Routing # : XXXX Account # : XXXX XXXXXXXX XXXX XXXX XXXX  Routing # : XXXX Account # : XXXX I dont recognize the following accounts in question. Im a victim of identity theft and I dont recognize these accounts on my report. Im requesting the following information be deleted from my XXXX Consumer report immediately! Ive attached a copy of the report to this request. 
Thank you for your assistance. 
Sincerely, ( XXXX XXXX
Product: Debt collection

Portfolio Recovery Associates, LLC at XXXX XXXX XXXX, XXXX, VA XXXX has been sending me collection notices in the amount of {$1200.00}. This collection has been reported as past due balances. I do not know this company. I have never done any business with this company. The company does not have a contract with my signature. Furthermore I've filed the original debt in the amount of {$1200.00} as part of my income as required by the form 1099-C sent by the original creditor XXXX Bank XXXX The inaccurate collection was removed by XXXX Bank after the last dispute was filed XX/XX/XXXX with the CFPB. 

Portfolio Recovery Associates has since sent me another collection letter noting the account numbers ( XXXX ) ( XXXX ) listed on the 1099-C and the notice of debt sold/purchase from XXXX Bank to Portfolio Recovery Associates does not match . On XX/XX/XXXX Portfolio Recovery Associates put the collection back on my credit reports after the deletions last month. The inaccurate reporting of the account numbers is a clerical error on the part of XXXX Bank and Portfolio Recovery Associates. I do not any further debts in the above referenced amount of {$1200.00} that is being inaccurately reported again.
Product: Credit card

I was charge a lot of money and I disputed the account but it wouldnt let me
Product: Credit card or prepaid card

Hi, Credit card company ; Walmart. Made a purchase on XX/XX/19. Received bill on XX/XX/19. Credit card bill due on XX/XX/19. Shouldn't there be more time for me to pay this bill? I read something about 21 days from receiving the bill untill due date. This is not the case. This is not the first time Walmart has done this. This is why I'am filing a complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX  XXXX, FL XXXX XXXX XXXX XXXX XXXX : {$0.00}, XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX XXXXXXXX Balance : {$140.00}, XXXX Inquired on XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

I DID NOT BENEFIT ANYTHING AS A RESULT OF THESE ACCOUNTS BEING OPENED IN MY NAME WITHOUT MY PERMISSION NOR DO I HAVE A CONTRACT OR AGREEMENT WITH THIS COMPANIES.
Product: Student loan

Firstmark is servicing a Parent Plus loan through XXXX XXXX. This was a federal loan that I refinanced in XXXX. 
In XX/XX/XXXX, I refinanced that loan again through XXXX. On XXXX XXXX, XXXX, XXXX wrote to confirm that it had sent an electronic payment to FirstMark for the full payoff amount of the loan. 
As of XX/XX/XXXX, FIrstmark has not applied that payment to my account. They are still demanding payments and accruing interest, even through the loan was paid off more than 35 days ago. 
XXXX has taken its time to respond to me, but on XX/XX/XXXX called to tell me they have confirmed that Firstmark received the electronic payment and they have continued to contact/escalate with FIrstmark to get the payment applied to my loan. 
I have now had to make a double payment on the loan to avoid a mark on my credit report. 
I've called Firstmark but their customer service won't provide any informaiton other than to say that they can't confirm whether or not the payment has been received until it is credited to my account. Firstmark is being negligent and untimely in closing out this loan to the point that it has had a detrimental affected on my finances.
Product: Credit reporting or other personal consumer reports

According to fcra section 605b it is illegal to report anything on my report without permission.remove this negative item. Thank you.it is the XXXX XXXX XXXX account number is XXXX
Product: Credit reporting or other personal consumer reports

Along with having 19 incorrect trade lines on my credit report with Experian, there are also incorrect names on my credit report which is causing me distress due to the fact that I do not own these accounts and I am not this person. The names and addresses that are incorrect are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The incorrect addresses are : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX I also do not work at the XXXX XXXX XXXX and never have. My name is XXXX XXXX XXXX and I live in NC and work as a School Counselor. I have NEVER worked at the XXXX XXXX XXXX nor have I ever been known as XXXX XXXX XXXX. I want fixed before my bankruptcy attorney files sanctions against Experian. All accounts prior to XX/XX/year> should be XXXX balance due to bankruptcy. I do not own a car so therefore should not have XXXX car loans under my name. I want this fixed immediately. This is my second complaint because you do not respond in a timely manner. I am going to ask my attorney to deal with this if you do not get these accounts and names off my credit report in a TIMELY MANNER.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/2022 High Balance {$59.00} Unpaid Balance {$59.00} Placed for collections In accordance with Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A .states I have rights to privacy.

15 U.S.C 1681 section 604 A. Section 2 It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Bank account or service

I had a bank account with US Bank for over 3 years while I worked for them. Shortly after I changed to another company, the account began charging a {$17.00} monthly service fee. I was n't sent notice that this would change, and as a result I decided that I was going to close the account. I began the process of changing over all my direct deductions so that I could close the account without any issues. I had one last medical account that had n't changed over, but also had n't been paid because I had no balance. Before I closed the checking account, I had visited the dentist and accumulated a balance on that medical card account, so the autopay resumed from the US Bank account. This caused an overdraft that I was unaware of because I was no longer using the account. Once I logged in to transfer my final few dollars to my new account I found that my medical card autopay had caused a negative balance of just over {$34.00}. When I was finally able to get into a physical branch to pay and close the account, the balance had increased. More monthly fees and extended overdraft had been added. To that point, I had still received no mail to alert me to the problem. I paid the teller at the branch {$35.00} and requested that the account be closed and the balance waived because the balance that remained was all bank fees. In more than 3 years I did n't have a single fee waived, yet the teller advised that this request could only be completed at the branch that the account was opened through. I explained that I had moved and it would be difficult to get back to the original branch, however she was still not able to assist me. Shortly after this, and before I got back to the state with my original branch, the account was sent to a collection team. As soon as I received a letter from them I placed a call explaining that the balance was all fees, and I requested that it be waived. I was again advised that only the originating branch could assist with waiving fees. I called t down to the branch that the account was opened in and explained that it was difficult to come down in person, but that this was the only branch that could resolve my problem. They referred me to the manager of that branch who said he also could not help because the account was placed in collection, and once that happens it is out of his hands. He stated that he would look into the issue and call me back in a couple days, it has been over a month, and I have n't heard from him again. I now have an account that could at some point be listed on my credit report as a collection, it is a balance of all bank fees, and no one will assist me. This checking account pulled {$25.00} from a savings account that had no funds to pay down the increasing bank fees, and that savings account had also been closed and charged off. I have not heard from collections about that one, yet.
Product: Debt or credit management

It is impossible to call or report Fraud to Trans Union by email, phone or text. I spent one hour and 4 phone as a courtesy calls with Trans Union on XX/XX/XXXX. My name is XXXX XXXX, XXXX, XXXX. On XX/XX/2024 a company named XXXX XXXX, using the name XXXX XXXX XXXX XXXX XXXXXXXX using the phone number XXXX and using the name of XXXX. 

XXXX says they are a 100 % whole owed subsidiary of Trans Union. After 4 calls I was able to get a technical help desk at Trans Union that could verify that XXXX XXXX is not a subsidiary of TU. 

My complaint is that is is so hard to get through to Trans Union to report their flawed system and indirectly helping this form of Fraud. It should be easy to have an email address, phone number or mailing address for a consumer to verify Trans Union 's business practices. My guess is that for every one complaint there are XXXX victims. TU has ZERO processes to help verify its own lack of involvement without me joining TU?
Product: Consumer Loan

I have been attempting to have late payments removed from credit reporting for about 6 months now with Bank of America. in XXXX and all of XXXX, i was facing financial hardships due to under-employment and fell behind on my mortgage payments. I was able to reach an agreement with this servicer to help me modify my mortgage and i have been back on track with my payments for about 18 months. 
I have asked through a third party that the late payments be removed from my credit reporting many times with no avail. 
I am reaching out today for help because these late payments are creating a new financial hardship on me in the sense of higher interest rates with school loans and credit cards as well as higher insurance premium with a clean record and a low crime area. The late payments that are attached to me are hurting me and my family and enriching lenders and insurance companies. Even though i am able to save my house and i have made great stride is my credit worthiness status, i find myself still catching up on my finances. 
thank you for any help you can provide me.
Product: Credit reporting or other personal consumer reports

experian has failed to fulfill its legal obligation under the fair credit reporting act FCRA to conduct a reasonable reinvestigation of the dispute information on my credit report leaving inaccurate or unverifiable accounts unresolved. The CFPB has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer provided evidence to furnishers accepting unreliable responses and failing to adequately notify consumers of the dispute outcome. These failures align with my experience, where Experian has neither corrected nor removed
Product: Checking or savings account

I have been a Wells Fargo customer for 15 years. I have 44 business accounts and a personal account with them. I also have two XXXX lines of credit and 3 credit cards. I also have my home mortgage with them. Out of the blue today I had an XXXX call and say that they wouldnt cash a check. I called the bank only to be told that every single one of my accounts was being closed due to a business decision by the Loss Prevention team.

I called the Loss Prevention team and they have no answers. I spoke to four different supervisors and they all say thats its outside their control and that I did nothing wrong but that they are making a business decision to close my accounts. I have multiple partners in these companies and decades of automation work put into these accounts. I XXXX almost 2k people. They immediately shut down my lines of credit and credits cards. They tell me I have until XX/XX/XXXX to move every single account. 

Im totally dumbfounded and have no idea how something like this could happen. The amount of work that it is going to take to change all my banking is staggering and it would be a miracle if my team and I can accomplish this by the date they gave me. 

I feel violated and feel like Im being treated like a criminal for being an XXXX. If I had some sort of answers I could walk away and move to another bank but to just randomly do this after 15 years of business with them is shocking. Any suggestions would be greatly appreciated.
Product: Checking or savings account

XX/XX/2019 Atm Withdrawal Without Charge 1 {$140.00} Pending XX/XX/2019 Atm Withdrawal Without Charge 1 {$100.00} Pending XX/XX/2019 Atm Withdrawal Without Charge 1 {$100.00} Pending XX/XX/2019 Non-usbank Atm Denied Fee {$2.00} {$300.00} XX/XX/2019 Non-usbank Atm Denied Fee {$2.00} {$300.00} XX/XX/2019 Atm Fee-bal Inq At Other Network {$2.00} {$300.00} XX/XX/2019 Non-usbank Atm Denied Fee {$2.00} {$300.00} XX/XX/2019 Non-usbank Atm Denied Fee {$2.00} {$310.00} these fees and transactions are not mine XXXX XXXX
Product: Mortgage

am writing this letter to request that you remove the late payments and the negative items reporting to thee credit bureaus. I know it is your power to do so via theFair Credit Reporting Act. 

Speaking with the lawyers and the closing company it is standard via a short sale package for the creditor to remove all negative trade lines and stop reporting to the credit bureaus. I am selling via short sale with your approval. I need to put this short sale hind me and move on. 
I am requesting that you remove all negative payments and stop reporting the trade line altogether and not report the short sale. 
There are several letters requesting the same in the short sale package and it had stop being reported but now the debt is being reported again XXXX. I am sure this is an oversight. 
I am now attempting to improve my credit score, but am having difficultly due to the negative listing on my credit report. Therefore, I respectfully request that you remove this negative listing from my report as a gesture of goodwill. 
XXXXDelete all the XXXX trade line for all XXXX credit bureaus and not report the short sale.
Product: Vehicle loan or lease

I was under the impression that my lease was up in XX/XX/XXXX so turned in the Vehicle a XXXX XXXX XXXX XXXX XXXX .I was told that I could do this and everything would good, well that wasn't true. I was completely lied to. 
My lease wasn't up until XXXX of XXXX so now after XXXX told I could return the car and I would not have any charges now I'm bein charge {$22.00}, XXXX. How could they lie to me about this? I would have never return the car early if I knew they would charge me this much. I do not feel I should owe {$22000.00} after they said it was ok return it.
Product: Money transfer, virtual currency, or money service

Money was wired in US Dollars ( XXXX ) to a Domiciliary account in XXXX on XX/XX/2021. The money was supposed to be paid to the recipient 's domiciliary account in US Dollars but Citi bank changed it to the XXXX local currency, Naira can not be paid into domiciliary account but dollars like I wanted. This caused a problem where the recipient was not able to receive the money. I decided to call Citi bank to recall the money on XX/XX/XXXX, which they did. Citi bank representative told me it might take up to five business days for the money to be posted back to my account. On XX/XX/XXXX, after 5 business days, I followed up by calling the bank and the representative confirmed the money is already with Citi bank but but short with almost {$400.00} because of exchange rate. She went further to say the left over will be posted to my account but will take another 3-5 business days to post it to my account. I waited for that but and the money was still not posted. I called again on XX/XX/XXXX. The rep told me it will take another 2 -3 business days to post the money. As of this time of XX/XX/XXXX, the money is still not posted back to my account. It is well over two week that my money has been with the bank.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I was offered a position with XXXX XXXX XXXX XXXX XXXX XXXX XXXX and my background check was performed by checkr. Not only was there charges on the report that were XXXX ( XXXX ) years old, and another that was XXXX ( XXXX ) years old they were closed cases with time served and then the one they claim was the only XXXX in question although they wanted an explanation for all charges on the report, was just a little over XXXX ( XXXX ) years old it too was closed, and time served and my DEBT was paid. Furthermore, none of these charges had any Baisis on me being able to perform the job duties, which violates USC 15 section 1681 ( 2 ) k. So, I waited till today when the head of HR would be back into the office so they can decide if they were going to violate my Rights or continue to extend the already signed offer letter. they choose to violate USC 15 section 1681 ( 2 ) k instead of honoring their offer.
Product: Money transfer, virtual currency, or money service

During the last week in XX/XX/2019 -- just a day after making a deposit on my Bluebird Amex Prepaid money card I noticed that funds were missing within the account. I began to panic -- immediately calling customer service, looking over transactions, etc. 

A skimmed event perhaps, they pulled out approximately : {$120.00} dollars from an ATM at XXXX XXXX station in XXXX XXXX XXXX MN. 

The customer service team at their offshore center was not very obliged nor friendly when mentioning my card being breached, and funds were missing. They wanted to connect with my money account with Aspirations bank, to verify that the account was mine. Failed a connection. Several calls were made throughout the year, an FTC report was made and included in an identity theft report with the XXXX Police department.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 has violated my rights and i want them removed IMMEDIATELY 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card with SYNCB/TJX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX XXXX XXXX, and SYNCB/TJX XXXX with no successful resolution. XXXX XXXX and XXXX  only reporting me 30 days late three times. There was definitely an error on their part. I was never three times 30 days late.
Product: Checking or savings account

I tried to place an order on XX/XX/2023 ; the merchant charged me a higher amount than what was initially on the purchase screen. As soon as I seen this I reached out to the merchant to make sure to cancel the transaction by email and on the website. I received no response from the merchant I then reached out to my bank and explained the situation. I was assured that once the item was no longer in pending status that the dispute could be done and my account credited. Once that happened I was then told a provisional credit would not be given ; after I was assured it would be done. I explained I had proof I tried to resolve the matter with the merchant and can not get a response. I was then told if I went into the branch and that I could show them my evidence and the matter be fixed. I went to the branch an no success ; I told them I am in a emergency situation ; I am on XXXX  and I have a medication I need and my insurance wont cover it and thats why I was trying to get the matter resolved by today. I was told it would be 90 days before the investigation was complete ; I dont have the product ; I did not authorize the {$86.00}, I was turned away with no resolve. Please help.
Product: Credit reporting or other personal consumer reports

On Monday, XX/XX/year> I received an email from Affirm to contact their call center to unfreeze my account because was freeze due to suspicious activity. I call today XX/XX/year> and the agent told me that my account was not eligible to be unfroze anymore and that I can't have an account or nothing with affirm, ever. The agent told me that was a decision from another department. 

I did not get a valid reason why I literally got banned from Affirm when I was paying on time, and if it was due to suspicious activity on my account, that's not a reason to banning anyone to use their services. When I asked the agent about the active loans I have, he said that I don't have to worry about those anymore and no need to pay for that, which all these got me super confused.