23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, personal loan, or advance loan

Justice of the PeacXXXX 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 Rule XXXX ( d ) ( XXXX ) Relief from a Judgment or Order ) Entertain an Independent Action Vs. ) Set Aside a Judgment for Fraud on the Court ) Counterclaim on Same Facts LVNV Funding LLC ) Incidents of Usury Aid and Abet 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX are reporting incorrectly a collection/charge-off in the amount of {$750.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I was never billed from the apartment complex and I was never given an itemization. I gave a ( 60 ) day notice to vacate the premises per the rental agreement and prior to leaving I verbally spoke with the complex manager and was told that everything was in order and that the premises was in excellent condition. This collection is being reported in error and is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not  been successful.
Product: Checking or savings account

I MADE A {$10000.00} ACH PULL TRANSFER FROM MY XXXX XXXXXXXX XXXX ACCOUNT TO SANTANDER BANK CHECKING ACCOUNT XXXX XX/XX/23. 
ON XX/XX/23, SANTANDER BANK REJECTED THE TRANSFER AND SENT ME AN EMAIL STATING THEY ARE TRANSFERRING BACK THE FUNDS TO MY XXXX XXXX XXXX  CHECKING ACCOUNT AND TO CHECK MY XXXX XXXX ACCOUNT IN THE NEXT FEW DAYS. 
I CHECKED ON XX/XX/23 BUT NO RETURN OF FUNDS TO MY XXXX XXXX CHECKING ACCOUNT. 
AND THERE IS NO TRANSACTION HISTORY SHOWING UP IN MY SANTANDER BANK THAT THE MONEY HAS BEEN RETURNED. 
CALLED AND SPOKE TO SANTANDER BANK FRAUD/SECURITY TEAM AT XXXX AND THEY SAID THEY ARE HOLDING THE FUNDS AND THEY ARE UNABLE TO RETURN THE FUNDS AND WANTS XXXX XXXX XXXX  TO CLAIM IT FROM THEM. 
XXXX XXXXXXXX XXXX SAID THEY ARE UNABLE TO CLAIM FROM THEIR END. 
THE TRACE NO FOR THE ACH TRANSFER IS XXXX. 
CAN YOU PLEASE HELP ME GETTING MY MONEY BACK TO XXXX XXXX CHECKING ACCOUNT? THANKS A LOT!!
Product: Mortgage

My wife and I reached out to Low VA Rates ( Utah ) to assist in an Interest rate reduction refinance mortgage loan. Their representatives reached out to our homeowners ' association to confirm a lien free status, as well as a statement attesting to our dues being paid to date. In this request, they included our social security numbers on a release of information form. We have explained to them that our XXXX board merely exists of our neighbors. Through this breach of our personal information, it is now an easier task to obtain a lot more information and also leaves us open to higher risk of fraudulent activity. 

We are now left to wonder whether or not this is the only instance where our information was exposed incorrectly throughout this process. We are only aware of this instance because we were copied on the said request.
Product: Credit reporting or other personal consumer reports

RE : XXXX  BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX. Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Incorrect XXXX : - XXXX Listed below are the Accounts that are being challenged XXXX  - XXXX XXXX XXXX - XXXX Listed below are the Collections that are being challenged XXXX - XXXX XXXX - XXXX XXXX  - XXXX XXXX  - XXXX. PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN XXXX XXXX DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX  IN PERSONS OR XXXX XXXX XXXX. IF THE CONSUMER HAS PROVIDED XXXX DOCUMENTATION TO THE CONSUMER BILLING CODE : XXXX XXXX  PART XXXX [ XXXX NO. XXXX ] XXXX XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX  XXXX  ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Debt collection

I continue to get bills from XXXX that do not belong to me.
Product: Debt collection

3 small medical bills that were being paid direct to the medical center somehow went to collections.

I received zero communications from this company. All were being paid and should not have went to collections I have called their 800number and get left on hold. I have not been able to make communication with them and I want these debts removed they were not collections.
Product: Debt collection

PORTFOLIO RECOV ASSOC # XXXX stated they sent me a letter with the opportunity to dispute this debt. I did receive any information with the opportunity to dispute the, per FCRA. I request Portfolio Recovery to prove they sent letter which provided me the opportunity to dispute. 

Therefore, please send a copy of an " CERIFIED MAIL RECIEPT '' that has my signature stating I receive the mail and had full knowledge of such debt. Anyone type up paperwork, that does not mean anything.
Product: Checking or savings account

I received mail from Cash App yesterday ( Tuesday XX/XX/2023 ) with a Visa Debit card from Cash App. It had my name, a number, CVV, and expiration. On the card it said XXXX XXXX at the bottom along with cash.app. The paper that the card was attached to said Block , Inc. on it. From what I understand Cash App is owned by Block Inc. I did not ask for a card from them. I am concerned because I recently got a letter from XXXX XXXX about an account that was requested online. I see that there was legal action between Block and CFPB as well. When I called ( just now ) they asked me for my name and how long I had been living at my address. They wanted my email address to provide a link so that I could send them pictures of the card. I am really suspicious so I am afraid to move forward.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried endlessly to fix the problems I am having with the reporting of these erroneous items on my credit. With no response, validation or help from the major reporting Bureaus I don't know what else to do. These accounts are really effecting me and stressing me out because of the way I am judged by the wrong reporting of these Bureaus because of them violating compliance when reporting. The accounts that have not been validated and are effecting me negatively are, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete these accounts immediately or I will be seeking litigation.
Product: Credit reporting or other personal consumer reports

I've expressed my complaints regarding identity theft on multiple occasions. Within XXXX business days, you must remove or block any items that were opened without my knowledge, consent, or authority if you can provide the following : ( XXXX ) suitable identification proof ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the consumer 's identification of the relevant information; and ( XXXX ) a declaration from the customer stating that the information is unrelated to any transactions. 


XXXX XXXX XXXX Balance : {$750.00} XXXX XXXX XXXX Balance : {$950.00} XXXX XXXX XXXX Balance : {$950.00} XXXX XXXX XXXX Balance : {$880.00} XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

My card was closed due to a bankruptcy case that does not have to do with me. My father and I have the same first and last name. He and my mother are filing for bankruptcy, and Citi Cards closed both of my account due to that. I am not included in their case, and was not given notice of closure. My father is not an authorized user nor a co-signer. We just have the same name and mailing address. I called the bank and they have a 7-10 business day turn around time. reopening the account runs the risk of me having a hard hit on my credit report. I am also in the process of buying a home, and closure of an account can negatively impact my credit report. Its is a big mistake on CitiCards.
Product: Credit reporting or other personal consumer reports

This morning, I was shocked to discover inaccurate accounts suddenly showing up on my credit report, and I have no clue why. I routinely check my credit report without any issues, but this time there were random discrepancies. I thought it might be a browser glitch, so I refreshed it, but the wrong accounts remained. Im deeply concerned and request that my documents be reviewed carefully to ensure this doesnt happen again.
Product: Mortgage

Mr. Cooper reported our mortgage 30 days late on my Wife 's credit report. We have had auto pay set up with Mr. Cooper ever since they acquired the servicing rights. In XXXX of XXXX we had the auto draft set up to come out the XXXX of XX/XX/XXXX. Mr. Cooper per the records provided didn't draw the account the XXXX which was a Friday or the XXXX which is a Monday. Mr. Cooper didn't draw the account on the XXXX XXXX or XXXX. Mr. Cooper drew our account 2 days later on XX/XX/XXXX $ XXXX at which time I transferred {$1000.00} from our XXXX savings account and my Wife was also getting paid {$2400.00} on XX/XX/XXXX and was posted the same day. The available balance was {$1700.00} on XX/XX/XXXX. That same day the Mr. Cooper payment was returned in the amount of {$1200.00} denoted as simply " credit '' on our online bank statement. XXXX XXXX record show the payment was made and returned on the XXXX which is not the case. Per our personal balancing we had the {$1200.00} in the account the whole time. Once we got past the holidays and after XXXX XXXX XXXX we checked the mortgage account and it said that the account was still past due for XXXX 's payment. Upon closer investigation realized the mortgage was credited back to us and paid both XXXX and XXXX 's payments on XX/XX/XXXX but did not post until Monday XX/XX/XXXX. We called Mr. Cooper during business hours XX/XX/XXXX to find out that they had already reported our mortgage as 30 days late to all 3 bureaus. I asked if they tried to contact me about the matter before reporting the 30 day late and they had not tried to reach out to me in writing or verbally. They never tried to draw on the account again either. I asked them to investigate the matter and get back to me and the representative exclaimed they would get back to me in writting in the next 30 days. Today is XX/XX/XXXX and I still have not received any communication in regards to the matter. I have all the statements showing the exact flow of funds and don't see how my wife is going to have a 30 day mortgage late when they were paid once which they didn't draw until XX/XX/XXXX which was supposed to go out on the XXXX or XXXX, credited the money back to us for whatever reason, and then 20 days later once the error was discovered by us paid again.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, Transunion did not DELETE the inaccurate account listed on my consumer credit report. I have attached my Transunion consumer credit report with this complaint as proof that the inaccurate accounts are still on my credit report. This report was recieved XX/XX/XXXX and issued out XX/XX/XXXX as stated on the upper right of the document attached. XXXX XXXXXXXX XXXX is a charge off account that is reporting a BALANCE of {$990.00}. A charge of should show as a XXXX BALANCE. That is inaccurate report as stated in the F.C.R.A 15 U.S code 1681. XXXX XXXX  is a collection account reporting as a OPEN ACCOUNT and it has a BALANCE of {$680.00}. A collection account should show a XXXX BALANCE. That is inaccurate report as stated in the F.C.R.A 15 U.S code 1681XXXX states the Opening Date was XX/XX/XXXX. The opened date is wrong. That is inaccurate report as stated in the F.C.R.A 15 U.S code 1681. I will keep my consumer credit and my copies just case these accounts are not deleted.
Product: Debt collection

Bill was paid in full on XXXX, XXXX took the payment over the phone. Item was turned over to XXXX XXXX XXXX and put on my credit report. I got it resolved with them, and removed off my credit report with that company. Then the bill was turned over to Medical Revenue Service, after being resolved. This happened with 3 Bills. I called and tried to get this resolved and removed off my credit report but XXXX refused to listen or let me talk with a Manager stating that his manager do not have time to talk with me they have more important thing to do.
Product: Credit reporting or other personal consumer reports

*INQUIRY* This inquiry is not mine, and it's clearly fraudulent. I have no knowledge of these inquiries and request immediate action to address them. Please see the attached documents for reference.
Product: Credit reporting, credit repair services, or other personal consumer reports

Affirm  along with XXXX, XXXX and XXXX XXXX is reporting delinquent for the amount of {$41.00}. This information is incorrect. I never received a collection letter from affirm. I requested an investigation, and it shows all information is correct, even though it is not, I would like any reporting agencies to provide all information in regards of this alleged debt. Because the information is incorrect this information should be removed for my credit report.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to formally request the blocking and deletion of my accounts that may have been compromised in the recent data breach, pursuant to 15 U.S.C. 1681c-2 ( a ). As a victim of this breach, I am concerned about the security and privacy of my personal information. 
Please find my personal details below for your reference : XXXX. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$1700.00} XXXX. XXXX  XXXX  XXXX XX/XX/XXXX {$0.00} XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX {$4000.00} XXXX. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$2500.00} XXXX. XXXX XXXX XX/XX/XXXX {$0.00} XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX {$4600.00} XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX {$230.00} XXXX. XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX
Product: Credit card or prepaid card

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX 60 days late as of XX/XX/XXXX 60 days late as of XX/XX/XXXX 60 days late as of XX/XX/XXXX 60 days late as ofXX/XX/XXXX 60 days late as of XX/XX/XXXX 60 days late as of XX/XX/XXXX 90 days late as of XX/XX/XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statements did not get to me.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX XXXX XXXX Balance : {$19000.00} XXXX XXXX XXXX Balance : {$3400.00} XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$740.00} XXXX XXXX XXXX Balance : {$200.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$19000.00} XXXX XXXX XXXX Balance : {$3400.00} XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$740.00} XXXX XXXX  XXXX Balance : {$820.00} XXXX XXXX XXXX Balance : {$19000.00} XXXX XXXX XXXX Balance : {$3400.00} XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$740.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$820.00}.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Date : XX/XX/year> To : Credit Bureaus ReDispute of Charge Off Account # [ XXXX XXXX XXXX, XXXX XXXX XXXX, Credit XXXX XXXX, ] Dear Sir/Madam, I am writing to formally redispute these charge-off entry listed on my credit report for the account referenced above. I believe this information is inaccurate, incomplete, or unverifiable, and I respectfully request an investigation under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i.

As per 15 U.S. Code 1681i, I have the right to challenge any information that I believe is incorrect. I request that you investigate this charge-off and verify its accuracy, ensuring compliance with the XXXX XXXX XXXX standards. According to these guidelines, there are strict formatting and reporting requirements that must be adhered to in order to maintain the integrity of the information reported. If this account does not comply with XXXX XXXX standards or can not be verified, it should either be corrected or removed from my credit report.

Additionally, under 15 U.S. Code 1681s-2, the creditor ( or furnisher ) of this information has a legal obligation to report only accurate and current information to the credit bureaus. If they are unable to provide adequate documentation to validate this charge-off or meet the XXXX XXXX XXXX standards, I kindly request that this entry be removed promptly. 

I urge you to treat this dispute with the utmost priority and provide me with verification within the legally mandated XXXX timeframe. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Bank account or service

On XX/XX/XXXX one of my savings accounts had {$150.00} with no pending items. The one bill I pay from that account comes in about this time, so I transferred {$30.00} from another account In the morning of XX/XX/XXXX. In the afternoon, the {$170.00} payment was debited and Wells Fargo charged me {$35.00} as an overdraft. I have XXXX different accounts at the bank and never have opted in to overdraft on any of my savings accounts, that would make no sense. I called to have it refunded because this is a violation of Regulation E. The rep and her supervisor would not refund the full amount, claiming that savings accounts are not covered for overdrafts that are the result of an electronic payment. I 'm not an attorney, but I respectfully disagree with the bank. At any rate, the savings account could have automatically transferred funds from its linked checking account or any of my other XXXX cash accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/18 I applied for a XXXX card ( pre-approved ). During the application process, there was a disclaimer stating that applying for the card would be subject to approval and that doing so would NOT impact my credit score. I was asked for only the last 4 of my SSN, and as a prior XXXX XXXX member, the disclaimer seemed legitimate. However, I found out that XXXX did a hard inquiry on my Equifax credit report. I did not agree to this. If I had known about the hard inquiry, I would have thought twice before applying. The " will not impact credit score '' disclaimer is completely false. 

On XX/XX/18 I contacted Equifax and opened a dispute ; however, I was told this wouldn't do anything since it was not an inquiry due to fraud. Equifax instructed me to contact XXXX. I contacted XXXX/XXXX  and they said they couldn't do anything about it. After I pressed for a credit resolutions department, XXXX/XXXX provided me a XXXX XXXX for their Credit Risk department. I mailed a letter requesting they remove the hard inquiry as they had an inaccurate disclaimer on their website. I also stated I would be filing a CFPB complaint as this disclaimer during the application process is completely misleading. 

Unfortunately, I did not think I needed a screenshot before hitting " submit '' on my application. I submitted my application in good faith, trusting that the statements on the application were true and accurate. I don't think it's fair that XXXX/XXXX misleads its consumers, negatively impacting my credit rating in the process.
Product: Checking or savings account

On XX/XX/XXXX I made a check out to my husband from my XXXX XXXX account in the amount of {$1500.00}. The check was deposited via mobile deposit to his Wells Fargo 's checking account. After several days of waiting for the money to clear the bank rejects the deposit and sends the money back to me. However the reason the bank rejected this deposit was because the check was deposited two times once on XX/XX/XXXX by my husband and a second time XX/XX/XXXX by an unknown person to a XXXX XXXX  XXXX account. The check never left our possession nor has been stolen, so there is no way the check could be deposited in another bank other than the same depositing bank. No one in the household has a XXXX XXXX XXXX account and my husband went into XXXX XXXX XXXX today to ask and confirm that he has no accounts there. Thus, this is a case of fraud. We tried filing a police report but the police said there is no basis to file this as a police report since this is an error that must be solved between banks. Basically, the money was drawn twice from my account and reflected ( {$3000.00} ) but they only returned the money once ( {$1500.00} ). So now we are short of the {$1500.00} and some stranger has it and these banks do not want to help us with our situation. Hence either there was a clerical error at the bank processing of the check or someone within the bank is transferring deposits to a different bank for personal benefit as is quite believable with the terrible history at Wells Fargo. We have contacted both my bank ( XXXX XXXX ) and his bank ( Wells Fargo ) numerous times and every time they close the cases and say there is no issue. They do not want to assume responsibility for the mistake made by Wells Fargo since they most likely have to pay the money from their own funds to cover the lost. I have all the recorded documents and proof to prove my case and my husband went to Wells Fargo to further his claim in person and the people there appeared to agree with him but the final verdict came in the letter sent by them where they ended up closing the case and giving no solution. It makes no sense to me how depositing a check at one bank can end up in another bank and also the discrepancy of the check deposit dates. The first one should have priority over the second one. What looks like a simple error has been drawn out for almost 5 weeks. We just lost {$1500.00} out of no where due to bank errors.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need to File a complaint on Transunion for a FCRA Violation 2 XXXX credit cards account XXXX and XXXX are closed accounts and both accounts are reporting a Monthly payment This is a major fcra violation please delete these 2 accounts ASAP CLOSED ACCOUNTS CAN NOT BE REPORTED THIS WAY PER FCRA REMOVE BOTH ACCOUNTS TODAY