23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have sent several dispute letters to select portfolio servicing asking them to tell me what the advances are for they seem fraudulent. 
and since i got a loan modification in XXXX the principle balance seems increased substantially. 
payments have not been posted correctly mishandled not posted or if posted they have reversed the posting as if they never received the money. 
this is going back to approximately XXXX to present. 
I am aware of the FDCPA since they are a debt collector. 
collecting amounts not entitled to collect over my monthly payments We had a foreclosure moratorium from XXXX to XXXX but they did not offer to dismiss out of the case in court when covid was announced. They willfully continued court responses and continued speaking to me about my payments when they were not allowed to do so based on the moratorium. 
Any attorney fees they are trying to collect against my mortgage going back to XXXX to present are not legal. They have since XXXX to XXXX not fairly worked out a payment plan with me when I continue to seek one out and dispute amounts added to my balance that I know are not legal for them to collect.

They have not told me what the advances are for and have not told me why they are mishandling my payments. The accounting for payments for the last three years does not show consistent postings.
Product: Credit card

I received an e-mail from Wells Fargo the morning of XX/XX/year> of a possible fraud charge. I called through the main number XXXX to verify the authenticity of the e-mail. I was told the charge had not posted and I verified that it was indeed a fraudulent charge with XXXX. When I dialed in I input my card number and PIN number, I verified my card number, the card expiration and CVV code, last four social security number, birthdate, e-mail, home number, cell number home number, work number and my addresses. Then he proceeded to ask more verifying information that would allow anyone to open credit in my name and I did not feel comfortable. I told him that would open me up to more possible fraud. They went ahead and posted the fraudulent charge and I disputed it once I saw they let the charge through knowing it was wrong. I disputed this on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX in writing and an e-mail on XX/XX/XXXX and have spoken to XXXX on XX/XX/XXXX and the executive office on XX/XX/XXXX. Wells keeps sending new cards and I do not activate them yet they keep charging the fraudulent charge and stating I owe money. I did not request a new card I want all my accounts closed with the company. Now they are stating the corrected the charge in the past and will not correct again since they keep charging my account. They executive office thought it may be a reoccurring charge someone setup and Wells keeps transferring the charge. I have spent hours trying to cancel to prevent any additional fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian - I can not reach a human to discuss the status of a fraud alert. I sent my personal identifying information after failing to answer security questions correctly due to INCORRECT information in my file. I have a student loan pending where I am the cosigner and find it so wrong to not allow us to speak with a customer service rep. In addition, I have tried many times to upload my identifying information and I receive this message - no length of time elapsed - it just won't work : " Either there was no activity for an extended period of time or you do not have an active session and the page has expired. We have discarded any documents you were in the process of uploading. You may also submit your documents by mail to Experian, XXXX XXXX XXXX, XXXX, Texas XXXX. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX2020 ( Reported Identity Theft ) 2. XXXX XXXX XXXX020 ( Reported Identity Theft ) 3. XXXX XXXX XXXX XXXX XXXX XXXX XXXX2020 ( Reported Identity Theft ) 4. XXXX XXXX XXXX2021 ( Reported Identity Theft ) 5. XXXX XXXX XXXX2020 ( Reported Identity Theft ) 6. XXXX XXXX XXXX XXXX XXXX XXXX2021 ( Reported Identity Theft )
Product: Mortgage

How do I get Bayview to leave me alone? 
With XXXX, I heard from them once a year with an escrow statement. Then they sold my mortgage & I 'm inundated with mailings & phone calls. 
From all the stress, I got confused & missed a payment. Efforts to make it up resulted in even more confusion & contradictions so I sought help from XXXX. 

Through the intercession of their housing counselor, arrangements were made & scheduled with my credit union. There 's XXXX left & then the XXXX payment will reportedly be about {$750.00}. 

The calls continue as well as constant mailings. They include registered letters to apply for help for which I know I do n't qualify. Without a car, it means needless trips to the post office. 

Is there any recourse or will this harassment be part of my future?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX I filed a dispute with experian to inform them that my address is not correct also a company needed to be removed from my credit report along with documents showing it was wrong. it was still to no effect.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Requlation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Vehicle loan or lease

Ally financial was contacted on XX/XX/year> to discuss a late payment for our auto lease. The manager was informed that it showed a XXXX  day late payment which was incorrect. He stated it was XXXX days late for the month of XX/XX/year>. He was informed that it was not XXXX days late and our payment history supports our concern which was obtained online. He was very adamant and was not receptive to our concern. I attempted to tell him that their company made a mishap with our lease extension and we never had a XXXX day late payment, hence he was unwavering. A dispute was submitted with XXXX credit bureau which came back stating it would remain until XXXX which is why I am flinging a complaint. My credit score is extremely important and I have never been XXXX days late with any of my loans. Customer service should always be priority.
Product: Debt collection

Sunrise Collections flagged my credit for am XXXX XXXX XXXX account I never had. The account was opened to an individual with my same name in XXXX Kentucky. I have never been to Kentucky and have lived in AZ  since XXXX. When I contacted them because of an XXXX Alert, I was surprised to hear about this account. My phone service has been with XXXX XXXX XXXX. I have never had a mobile account with XXXX XXXX XXXX. They confirmed the XXXX XXXX XXXX  reocrds didnt match my personal information ( Including address, Birth Date and Phone number of record ) and told me to file a dispute because they would remove the flag even though the little research they did proved the account was not mine. I filed a dispute though XXXX who did nothing to correct the issue. Not sure what other options I have aside from taking sunrise to court and litigating the flag. I did notify the AZ AG office of this fraud, but have not seen any action as of yet.
Product: Vehicle loan or lease

Toyota Motor Credit has updated an old loan account as Charged-Off in the amount of {$14000.00} when this account was included and Discharged in Bankruptcy. I disputed this on XXXX, and it was verified by Toyota, and they will not update it accordingly. Marking my account as charged-off is a violation of the Bankruptcy Proceeding. I filed for bankruptcy on XX/XX/XXXX and was discharged XX/XX/XXXX when Toyota took it out of Included in Bankruptcy and marked it Charged-Off. Attached are reporting before bankruptcy and now the most recent.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. 

Account Name : XXXX XXXX XXXX Date of inquiry : XXXX/2022 Account Name : XXXX XXXX  XXXX Date of inquiry : XXXX/2022 Account Name : XXXX XXXX  XXXX Date of inquiry : XXXX/2022 Account Name : XXXX XXXX  XXXX Date of inquiry : XXXX/2022 Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX
Product: Checking or savings account

Santander Bank failing to refund funds from 2 forged Checks. On XX/XX/2018, I wrote two checks to pay for a title search to obtain a mortgage from what I thought was XXXX XXXX XXXX, under the name of XXXX XXXX   XXXX, which I had found was bought out by XXXX  XXXX XXXX. 

As it turned out, this was a loan scam, and the person who cashed the checks was not a mortgage loan officer or worked for any bank, as reported by Washington State Department of Financial Institution. furthermore, XXXX XXXX XXXX has impersonated the identity of a licensed mortgage loan originator to gain my information and trust. XXXX XXXX XXXX I requested a stop payment on both checks, which was denied by Santander bank. They told me that the checks had already posted, but I knew the funds had not been withdrawn, as I had as well demanded my money back and the guy was assuring me that the would refund me the money. As soon as the checks cleared, I was no longer able to contact XXXX XXXXXXXX XXXX. 
I was not allowed at first to file fraud claim as the Fraud Agent at Santander told me that my signature meant there was no fraud since I had signed the checks. What he did not tell me was that the Signature on the back of the check, which was forged should have allowed me to file this claim.

I was able to file the claim after receiving accurate information that both signatures must be valid and that Santander bank, was perpetuating a Fraud by failed to disclose this information. It was clear to any reasonable person looking at the back of this check that the signature was forged.

The person was able to cash the two checks made out to XXXX XXXX XXXX with a fake stamp and a fake signature through XXXX XXXX, which has stonewalled me with regards to my claim, stating that only my bank has the right to put in the claim. 

XXXX XXXX instead demanded an affidavit of forgery from XXXX XXXX XXXX, the band that was supposed to be receiving the funds. When I went to get the affidavit of forgery from XXXX XXXXXXXX XXXX from XXXX XXXX, the Customer service representative at XXXX XXXXXXXX XXXX, stated to me that it was Santander 's  responsibility to get that the Affidavit and that I should have had the funds refunded a long time ago. 

I already provided a notarized affidavit of forgery, which I signed and is attached to this complaint. XXXX XXXX is now refusing to refund the checks mentioned above, on the grounds that they need an affidavit of forgery from XXXX XXXX XXXX, is a fake company and signed with fake signatures. Therefore both Santander and XXXXXXXX XXXX is perpetuating a Fraud, by not disclosing the person who cashed the checks, knowing that they are liable for the damages or possibly closing that account knowing that it is being used to perpetuate a fraud. The bank is also refusing to disclose any information, as to who cashed the checks and therefore are perpetuating this fraud. Thank you for your time and assistance. 

Attachments XXXX XXXX XXXX Advance Fee Loan Scam Washington State.pdf ( 55.5 KB ) Copies of Cashed Checks.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX, XXXX, XXXX, and XXXX XXXX have refused to remove these credit inquiries from my reports. I did not apply for credit with XXXX or XXXX XXXX as reported on my credit reports. The requests are fraudulent and impacting my credit, making finding housing as aXXXX XXXX   XXXX veteran very difficult.
Product: Checking or savings account

XX/XX/23 money taken out of my account XXXX times on the same day. {$200.00} {$280.00} {$250.00} {$150.00} {$160.00} for a XXXX XXXX XXXX XXXX times in the same day and taking out of my checking account while the company is in Louisiana and I live in Minnesota. Plus the times it was taken out I was at work. It took my whole paycheck. That takes me XXXX weeks to make at my job. The total amount that wasnt taken out without me knowing it is {$1000.00}. Until I saw it when I check into my bank account. I went to the bank to file a complaint right away and Im still trying to get my money back and its been a month already.
Product: Credit reporting or other personal consumer reports

XXXX to current please provide the original application thats shows the signature that was used. Please provide a copy of the identification or drivers license that was used. Please provide any information that proves the XXXX XXXXXXXX XXXX XXXX  that was fraudulently opened in my name actually belongs to me. Ive filed several claims with the bank stating that money was taken from my account without my authorization. Please provide any and all identifying information to prove this account actually belongs to me. XXXXXXXX XXXX helps and supports identity thieves by not properly doing its due diligence when investigating and reporting fraud!
Product: Credit reporting, credit repair services, or other personal consumer reports

***THIS IS NOT A DUPLICATE COMPLAINT ... I AM RESUBMITTING BECAUSE THIS COMPANY IS TRYING TO GET AWAY WITH BREAKING THE LAWS ... THEY CLOSED MY FIRST COMPLAINT STATING THAT I AM NOT WHO I SAY I AM WUEN I SUBMITTED A COPY OF MY ID SOCIAL AND A NOTARIZED LETTER FROM THE NOTARY PUBLIC. I started my disputes with experian back on XX/XX/2020. I put in a dispute for a XXXX account, a XXXX XXXX, and XXXX  XXXX XXXX. These accounts were reported " Verified ''. Previously to this i had reached out to these companies and they were not able to provide me with any information on either of these accounts.I reached out to all three bureaus to investigate why these accounts were showing on my report and I asked each company to investigate this matter. XXXX  and XXXX notified me within 30 days of their investigation that they could not get any information either and the 3 accounts were deleted from my file. I filed the same dispute in XXXX with experian  and as I stated above it came back suprisingly " verified and reporting accurately ''. I found this to be unusual so I requested information from these companies that I was informed by the FTC commission ( I wrote it down ) that under section 611 ( a ) ( 1 ) ( a ) and 611 ( a ) ( 7 ) I could request the original documents that they had on file from these companies and the results of investigation ( section 609 ( a ) ( 1 ) ( a ) which I still have not received. These accounts are still reporting from experian and no one has given me any documentation of what I asked for. I received a response today XX/XX/2020. That under section 611 ( a ) ( 3 ) ( a ) they could not honor my request. I was very specific in my letter and what I asked for. I spoke with a rep and he told me that I was not allowed to ask for that information and that they did not have to provide it and that I must go to the creditor and ask for it. I did that back in XX/XX/2020 and was unsuccessful. Because they did not provide me with the requested documentation section 611 ( 5 ) ( a ) says that it has to be deleted. ( Yes I read this information provided by the ftc ). I refuse to be deceived in their tactics to not properly do their jobs. How can 2 bureaus find nothing but experian says something different? If the creditors reported the accounts to all three then they should have all been given the same information and removed from all 3 bureaus.
Product: Credit reporting or other personal consumer reports

This CFPB compliant has been filed to request pursuant to FCRA 605B Under 15 USC 1681c-2c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below XXXX XXXX XXXX {$0.00} XXXX XXXX {$2800.00} XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$350.00} XXXX XXXX XXXX XXXX {$710.00} These credit accounts and collections are the results of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a Saks Capitol one employee card on XX/XX/XXXX. I was then emailed about needing more income for the card. I was unaware that i needed higher income than XXXX  to receive a {$100.00} employee card. I decided i no longer needed the card if i could not get it with that income, i assume they wanted to give me a higher limit. I only wanted the card because it is the only way employees receive their discount. I then check my credit report and see that there is another inquiry on XX/XX/XXXX, which i did not authorize. I have left voicemails and sent an email to the company and have received no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, XXXX, and TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, XXXX, and TransUnion are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} and XXXX XXXXL XXXX Date Opened : XX/XX/XXXX Balance : {$39000.00} or XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$39000.00}.
Product: Credit reporting or other personal consumer reports

( Violation of FCRA, 15 U.S.C. 1681 et seq. ) Dear TransUnion Dispute Department, I am writing to formally dispute an inaccurate charge-off reported on my credit report for my XXXXXX/XX/XXXXaccount ( Account Number : XXXX ), which is falsely listed under the " Collection/Charge-Off '' status. 

This charge-off was settled and should not be reported as an outstanding derogatory item. Additionally, no IRS Form 1099-C was provided to me, despite this being a legal requirement when a debt is written off. The failure to issue a 1099-C indicates that this account was not legally charged off, meaning it should not appear as a charge-off on my credit report.

Violations of Federal Law ( FCRA & IRS Regulations ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Prohibits data furnishers from reporting information they know or have reasonable cause to believe is inaccurate. Since this debt was settled, its charge-off status should have been removed.

15 U.S.C. 1681s-2 ( a ) ( 2 ) Requires furnishers to update and correct previously reported information if it is found to be inaccurate or incomplete.

15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Requires credit reporting agencies to conduct a reasonable investigation within 30 days when a consumer disputes information.

IRS Regulation ( 26 U.S.C. 6050P ) Creditors must issue a 1099-C for canceled or discharged debt. No such form was issued, proving that the charge-off claim is inconsistent with federal tax law.

Requested Action I formally request the immediate deletion of this charge-off from my credit report based on its inaccurate and misleading nature. The continued reporting of this account under " Collection/Charge-Off '' is an FCRA violation that is damaging my credit profile unjustly.

Supporting Evidence To support my claim, I have attached the following : Screenshot from my IdentityIQ Credit Report Showing the inaccurate charge-off.

Bank Records Confirming Settlement Demonstrating that this debt was satisfied.

Copy of My Drivers License & Passport Verifying my identity.

Legal Notice & Next Steps Under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), you are required to delete or correct this inaccurate information within 30 days of receiving this dispute. If you fail to investigate and correct this inaccuracy, I will escalate this matter through the following actions : Pursuing legal action under 15 U.S.C. 1681n and 1681o for willful and negligent noncompliance.

Reporting this issue to the Federal Trade Commission ( FTC ) and IRS for further investigation Please provide me with written confirmation once this dispute has been resolved and the inaccurate charge-off has been removed. If TransUnion refuses to correct this error, I demand a detailed explanation, as required by 15 U.S.C. 1681i ( a ) ( 6 ).

I appreciate your immediate attention to this matter and expect a response within 30 days, as required by law. If you require any additional information, please contact me using the details provided above. 

Sincerely, XXXX XXXX Attachments : Screenshot from IdentityIQ Credit Report Bank Records Confirming Settlement Copy of Drivers License & Passport