23daVinci/CFPB_Complaints huggingface dataset:
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 XXXX 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 the following personal credit card accounts : XXXX XXXX XXXX XXXX - Account # : XXXX, Date Opened : XX/XX/XXXX XXXX  XXXX - Account # : XXXX, Date Opened : XX/XX/XXXX XXXX - Account # : XXXX, Date Opened : XX/XX/XXXX XXXX XXXX XXXX - Account # : XXXX, Date Opened : XX/XX/XXXX XXXX XXXX. - Account # : XXXX, Date Opened : XX/XX/XXXX These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts or the collections reported. The aforementioned accounts and collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts and collections are the result of identity theft and fraud. 

I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX XXXX XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are the result of identity theft and fraud. I reuploaded this complaint because I forgot to attach forms of identification.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts and information 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 accounts and information 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. Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : - XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTATION : This is a CHALLENGE and NOT A DISPUTE I am always CHECKING for TOTAL COMPLIANT & CERTIFIED COMPLIANT REPORTING that gives testimonial and irrefutable PROOF of the undeniable TRUTH, correctness, completion, timeliness, ownership of, responsibility of, and compliance and or else wise for any and all items accused, even any and all aspects of allegations. 
Per Federal reporting regulations and the MANDATED COMPLIANT XXXX XXXX format reporting standards of practice any and all items of adversary or derogatory nature must be certified as entirely true, accurate, complete, timely, of documented ownership, of undoubted responsibility, and documented testimonial certificate of compliance marking undeniable lawful standing of claim ( s ). Per law, any deficient of substantial and evident matters of fact ( s ) would be unethically reported and even illegally reported. My state and the federal laws alike agree that neither willful nor ignorant disregard is acceptable, so I demand here today, even RIGHT NOW, that the allegation in challenge be eradicated in full or else wise demonstrated in it's entirety to be compliant in every aspect of its reporting. To retain much less report otherwise would be a vile misrepresentation and done so in unlawful and injurious infraction of mandated compliance laws. The currently unfounded and even not certified true or correct misinformation of which is misreporting is attached to this complaint and must be deleted immediately, so please do so without delay. 
I have attempted to resolve the issue directly with the respective parties, however found that they were non-compliant as per the FCRA and CROA requirements
Product: Vehicle loan or lease

I contacted Steward Financial on XX/XX/XXXX and spoke to representative XXXX regarding me requesting for a voluntary repossession of the XXXX XXXX XXXX at this time she advised me that her Supervisor would contact me. As of today no one has contacted me back. On XX/XX/XXXX I called again and spoke to representative XXXX. She advised me the supervisor XXXX was not in. I then asked for another supervisor. She informed me she ( XXXX ) was at lunch. I have requested effective XX/XX/XXXX to come pick up the vehicle immediately. I will be having XXXX and would like this handled before hand. I am requesting for an Administrator to contact me back at this point and the vehicle to be remove from my property immediately. On XX/XX/XXXX I received a phone call from XXXX XXXX stating they had did an internal analysis and stated it would not be cost efficient for them to pick up the vehicle. I requested for this statement to be put in writing and sent to me at this time he reported that he wouldnt be able to do this. At this point I ask what is going to happen to the vehicle since I requested for a voluntary surrender. He advised me it would be my responsibility since I am the owner of the car. I am no longer making payments on the vehicle and requested for the vehicle to be surrendered to the finance company. I also asked who was going to be paying for storage since the vehicle will be left on my property where I will jot have any responsibility for it- again he stated I was responsible. I was denied information for the recorded conversation as well as the CEO of the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

An Account is not reporting 100 % accurate across through. the Date Opened, Date Last Active and Account number are all reporting wrong. and it has set me back in a major way, I sent evidence on violations they are breaking.
Product: Debt collection

Calls everyday from a different number while I am at work. No message Portfolio Recovery Associates ... see there are many complaints against them. I owe not debt.
Product: Mortgage

I paid my XX/XX/XXXX mortgage payment of {$1000.00} to Roundpoint Mortgage on XX/XX/XXXX. On XX/XX/XXXX they withdrew {$1000.00} from my account. Then on XX/XX/XXXX they withdrew another {$1000.00} from my account without authorization. This erroneous action threw my account into serious overdraft status of a negative {$430.00} balance which includes multiple {$35.00} insufficient fund fees for each item. I contacted my b bank, but they were unable to help since both payments had already been processed. I contacted Roundpoint Mortgage customer service and was told they could do nothing and I had to PROVE that Roundpoint had made an mistake. They told me to email a copy of Roundpoint 's own email confirmation of my payment back to Roundpoint. I was not given a legitimate email address. The Customer Service XXXX told me to email their own own email confirmation of my payment to XXXX I managed to to track down a legitimate email address and sent Roundpoint a letter explaining their error, along with their own confirmation form and a copy of my bank statement showing the double withdrawals from my account which also included details of the negative amounts adding up in my bank account. Roundpoint sent bank an email acknowledging my complaint and informing me it could take up to 30 days to resolve this financial mess they created. They also told me not to contact them again which would put my complaint to the bottom of the pile and take even longer to resolve. I am in a panic because of Roundpoint. I am a senior citizen on a limited budget, and because Roundpoint emptied out my bank account, I am left with no money for food, bills, etc., and my bank account is seriously in the negative. I find their unhelpful and unresponsive attitude totally incomprehensible.
Product: Credit card

Received calls and emails from company during the initial days of my 15 day grace period to pay my bill. Also, received an email AFTER ( I received NO PRIOR NOTICE ) the company dropped my max limit for my card by XXXX received this email on XX/XX/24. Obviously, this XXXX drop on credit limit keeps me bound to making higher payments in such ways where I will never be able to pay-off and close this card. Absolutely unfair, unlawful, predatory lending tactics.
Product: Money transfer, virtual currency, or money service

MercaDolar Inc. is a company that connects individuals who are buying and selling American dollars and XXXX bolivars, to allow currency exchange among individuals in US and XXXX. MercaDolar Inc. works as the intermediary that holds the dollars while the buyer deposits the amount required in a XXXX bank account. There is a clearance process, that once approved, MercaDolar has 1 business day to release the dollars to the person who bought them via ACH. 
On XX/XX/XXXX I put an order through MercaDolar to buy {$100.00} ( MercaDolar will take 4 % from this amount as service fee- so the net amount is {$96.00} ) at the exchange rate of XXXX bolivars/USD. I deposited the money in the Venezuelan bank account as required, and the seller confirmed the reception of the funds on XX/XX/XXXX. On XX/XX/XXXX, I got a notification from MercaDolar saying that since the seller confirmed the reception of the funds, they will proceed to transfer my USD in 1 business day. 
On XX/XX/XXXX I contacted MercaDolar asking about the status of my transfer. They answered that their " agents '' were processing it and that my money should be available the next day. It did not happen. They asked me to confirm if I received the funds on the XXXX. I contacted them again, and told them that funds were not available yet. They responded that by their records, money should be available on XX/XX/XXXX. Again, it was not available on XX/XX/XXXX. I asked to solve this situation immediately since this situation was a week overdue and they responded that they will check with their agents. After this last email, I asked to give me a final answer by yesterday ; otherwise, I would need to start a dispute because I was feeling that they were not responding to my claim. 
In the meantime, I called their customer service number all week long to see if I could talk to them on the phone, they never answered, and their customer service via e-mailed stopped updating me on the status of my issue. Also, even when they replied via email, their response was generic and delayed. 

I am looking for help to solve this issue since my money is at risk, and I consider that the are not responding to me. I do not trust the business anymore, and I am not sure if this is a scam or what else could be going on.
Product: Debt collection

This company bought debt from money mart which was an account the was opened in XXXX. They are inaccurately reporting date of debt and reopened from new company as of XX/XX/XXXX. I have disputed it however the company came back as accurate. It is wrong to report an old debt as a new debt money mart was the original collector and sold this to VANCE AND HUFFMAN LLC who I am referring to as reporting inaccurate.
Product: Credit card or prepaid card

New Discovery I noticed on the XXXX  report and other credit bureau reports the American Express credit card account number XXXX is not my account that has a balance update of {$24000.00} on XX/XX/2020 please review Exhibits D
Product: Credit reporting or other personal consumer reports

I sent a letter to XXXX bureaus to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXXXXXX XXXX Balance : {$3800.00} ; XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$540.00} ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX CA XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX.
Product: Mortgage

Good afternoon, I have a complaint against Wells Fargo Mortgage. My realtor submitted an offer two months ago. It 's been an ordeal. We have complied with every piece of information and at times sent documents two and three times to them. There 's a foreclosure date set for XXXX XXXX and we have a buyer, actually now a second contract. Yesterday, I asked to speak with a manager and all of a sudden one of the key documents appeared ( the appraisal ). After many attempts at reaching XXXX XXXX, the short sale agent, she sends an email now stating she 's waiting on the title and some sort of document because there was a variance on the appraisal. With all the hardship I have been encountering, at times I feel their intentions are " not too help '', but to foreclose. I need your assistance please in obtaining approval letter of the short sale and contract pending an removal of sale of my home so we can close at some later date on my property. 

I thank you from the bottom of my
Product: Vehicle loan or lease

The Bank ( Palisades Funding Corp ) reposes my car without prior notification and this Bank owns a Car dealership ( XXXX XXXX XXXX ) so they sold the vehicle on their lot and didn't inform me of any balance outstanding or owing to me. I have been trying since they reposes this car 4 months ago to get the License Plate so that I can return it to the DMV and no one can tell me where to collect it I am still paying Insurance on this car that I don't have because I can't return the plate.
Product: Debt collection

This was a XXXX XXXX bill that I had in XXXX of XXXX. I was billed for this account in XX/XX/XXXX as well and was making monthly payments to keep the bill from going to collections. I continuously paid this bill up until XX/XX/XXXX and that was the last payment I made before XXXX sent this XXXX bill to a collections company called ERC for no reason because a payment was being made faithfully within 30 days each month. ERC is fraudulently reporting the bill started with them XX/XX/XXXX on my XXXX credit report. This is false, the last activity on this XXXX account was XX/XX/XXXX and verified with the original debtor XXXX. They also repeatedly call two to four times per day and I have had to block every number they call from!!!!!!
Product: Debt collection

Services were rendered at XXXX XXXX XXXX XXXX in XXXX XXXX. 

I paid XXXX XXXX XXXX XXXX with check number XXXX dated XXXX in the full amount of XXXX. The check cleared my bank on XXXX. 

According to XXXX, the amount of {$140.00} was reported as unpaid debt in XXXX, AFTER I paid the amount in full. XXXX XXXX XXXX XXXX reported me to collection agency Caine & Weiner Company Inc when they should not have.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im currently in chapterXXXX bankruptcy and an account I have with XXXX  is being paid through this bankruptcy. Perfection Credit is a debt buyer hitting my credit so many days saying I owe them on behalf of XXXX. My attorney advised them that XXXX the original creditor is being paid through this bankruptcy and yet Perfection Credit continues to report to the credit bureaus. My attorney advised me that this was against the law and sent notification to them and Im still seeing them report. I requested they remove this from my credit report and they have it listed as new debt.
Product: Mortgage

I paid my home in 2018 and I had my mortgage with Wells Fargo. I am not sure what happened with my payments or if they did something wrong.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

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

The occurrences of this situation are as follows : XXXX. We attempted to make the payment for my mortgage for XX/XX/year> through your online payment portal and received confirmation that the payment was accepted. However, we inadvertently entered incorrect banking information into the payment form and the payment was not accepted. 
XXXX. Unfortunately, we were not notified that the payment was not processed until after it was reported as late. We were completely unaware that the payment had not gone through until we received a delinquent notice in the mail. 
XXXX. Upon receiving this notice, we immediately took action and made the payment in full to bring the account current. 
XXXX. Since then, the mortgage has been fully paid off, and we have no further outstanding balances. 
This incorrect reporting of a late payment has caused undue harm, as it has negatively impacted my credit score and is now preventing me from being accepted for another mortgage. I respectfully request that you review the circumstances surrounding the XX/XX/year> payment issue and update my credit report to reflect the accurate payment history. 
Given that the payment was made promptly upon receiving the notice of delinquency and the loan is now paid off, I kindly ask that this erroneous late payment be removed from my credit file. 


A call was made to XXXX to receive an update on the processing of the dispute, but none was provided.
Product: Credit reporting or other personal consumer reports

I do not know who stole my personal information but I am a victim of identity theft and there have been accounts opened under my name without my authorization, consent, or knowledge. These accounts are showing up on my credit report but I never opened these accounts! 

The data breaches my personal information was involved in are below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My personal information was stolen multiple data breaches! 

The following account was opened fraudulently and MUST be removed from my credit report : XXXX XXXX XXXX XXXX XXXX {$660.00}
Product: Credit reporting or other personal consumer reports

Pursuant to 12 C.F.R. 1022.142, I am entitled to have these illegitimate entries removed from my credit history. Enclosed, you will find supporting documentation that underscores the urgency and legitimacy of my request. 

The following entries are fraudulent and must be expunged from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THIS IS NOT MY ACCOUNT The presence of these inaccuracies has caused significant distress and potential harm to my creditworthiness. I expect prompt attention to this matter and the removal of these entries within the legally mandated timeframe. 

Failure to address this issue satisfactorily will compel me to explore all available legal remedies to ensure the protection of my rights. 

I anticipate your immediate cooperation and confirmation of the removal of these fraudulent entries. 

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

In accordance with the Fair Credit Reporting Act this creditor has violated my rights.

Under 15USC1681 Section 602 states I have the right to privacy. 15USC1681 Section 604A section 2 It also states a consumer reporting agency can not furnish an account with out my written instructions. Under 15USC1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

Receivable Solutions sent me a letter saying that I have a medical bill that is in collections. It had the name of a medical facility in it. I wasn't aware that I owed that amount, so I called Receivable Solutions to verify the info that they have for that bill. They gave me the name of the medical facility, the date, what specific test it was for, who the doctors that saw me were, the original amount before my insurance paid anything, and how much I owed. I then called the billing department at the medical facility to verify this information was correct. They told me that the info was completely incorrect, none of my bills have been sent to collections, and Receivable Solutions isn't even a collections agency they use. I've had a fraudulent collections bill from Receivable Solutions years ago. I filed a complaint about that too at that time and it was found that that bill was completely fraudulent.
Product: Credit card or prepaid card

Date of Transaction - XX/XX/2021 Amount of Payment - {$210.00} Paid by Corporate check by XXXX  XXXX XXXX to Wayfair Wayfair claims to not have received this payment. The corporate check was received by by XXXX XXXX  and deposited into an account as referenced in the attachments. 
At the time XXXX XXXX  was the issuing bank and XXXX  XXXX XXXX indicated that it was the responsibility of the issuing bank to inform them of the bank change. After continued harrassment from Wayfair and Citibank, and further research and communication with XXXX XXXX, XXXX found the money in another account which I had with them. They refunded the {$210.00} to me in XXXX and in turn sent Wayfair this amount. I never missed a payment and have use bill pay options to make my payments. In good faith, we paid the full amount to Wayfair before it was due. The changing of issuing banks should not fall on my after the fact that it was paid and neither I nor XXXX  XXXX XXXX should be responsible for lates fees or interests accrued since XXXX of XXXX. 

I have also filed a complaint with the XXXX. Wayfair did not want to take responsibility or consider helping in the research to where the funds ended up nor did they consider the situaiton to find a solution except asking or money. Wayfair and Citibank ( who is now the issuing bank ) continued to call me and send notices for payment until I told them to stop. 

Please help me with this situation. Thank you so much!