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

Checkr and several other companies keep trying to say that I have no regular drivers license. I lost my XXXX, but not regular driver 's license. I have list jobs, insurance, and about to lose wife, because she can't keep insurance, because of this.
Product: Debt collection

In XX/XX/2017, I switched from XXXX to another phone provider. Upon making that switch it was my understanding that my XXXX acct was closed from that day forward. XXXX failed to close my acct, and sent the acct to a collection agency for some sort of unpaid early termination fee. Where it is now reported to the credit bureaus as a charge off. The only way I found about this is through a recent loan application this came up when my credit report was pulled. I was never contacted from XXXX about these unpaid fees. I have since paid the debt in full trying to resolve the matter. When contacting XXXX  they have been less helpful in this matter in removing the negative mark off my credit report which is now causing financial disruption in personal finances. I feel that this is an error on XXXX  's part and wish that this can resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you update this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against TransUnion regarding inaccuracies in my personal information as reported in my credit report. 


Details of the Dispute : 1 Name : My current legal name is : XXXX XXXX, but it is listed incorrectly on my credit report. I request that my name be updated to reflect the correct information. 

2 Address : My current residential address is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida, XXXX, but my credit report shows an outdated address. I request that my current address be updated accordingly. 

3 Contact Information : My main contact number is XXXX :. I would like this number to be updated. 

4 Date of Birth : XX/XX/year> ( XX/XX/year> ) 5 Employer : XXXX XXXX XXXX XXXX. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. 


Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license A copy of my Social Security A recent utility bill
Product: Debt collection

CommonWealth Financial ( XXXX license XXXX ) showed up on my credit report, without any notification of debt, and also without notification of my rights, and also without any furnished proof of debt pursuant to FDCPA -= Under the rules of the FDCPA, debt collectors are required to provide details about each debt they are attempting to collect by SENDING WRITTEN NOTICE with the following information : Name of the creditor Amount owed Instructions on how to repay the debt. Common Wealth Financial NEVER SENT OR SUPPLIED ANY SINGLE NOTICE regarding any debt collection attempts or purchase. Additionally the origination never sent notice of sale or transfer of the debt. They unlawfully took harmful action on my credit report for an invalid and old debt collection, while also violating FDCPA with lack of regard to the appropriate lawful procedures for debt collection. A complaint to the State Attorney General XXXX XXXX, the XXXX XXXX XXXX XXXX against Common Wealth and their decision to ignore the laws of the FDCPA has also been made. I will continue to pursue all legal force against Commonwealth for violation of my rights and damages incurred under FDCPA if they continue to report harmful information on my credit file. They are required by law to remove this information for consumer abuse with their failure to follow FDCPA. CFPB should forward this notice also for compliance and legal fines as applicable by the FTC. XXXX. XXXX XXXX XXXX XXXX
Product: Debt collection

Repeated annoying calls from Transworld Sytems Inc, stating this is an attempt to collect a debt I do not owe.
Product: Money transfer, virtual currency, or money service

I was scammed and I lost funds. I was a victim of an elaborate fraud that took advantage of human need. I have reached out to many times to crypto company and banks involved and was left helpless and victimized. Here is a picture of the wire transfers to XXXX XXXX XXXX XXXX XXXX. And I have attached paperwork as well. 

This is the only hope I have to retrieve my funds. 
Thank you
Product: Credit card

I am writing to file a complaint against Synchrony Bank regarding their failure to honor multiple promises to credit my account with a {$100.00} promotional offer. 

Initial Offer : When I was approved for my XXXX XXXX XXXX XXXX, a Synchrony Bank Offers Specialist confirmed my eligibility for two promotions : a {$100.00} Synchrony Bank offer and a {$150.00} XXXX offer. 

Multiple Promises : Despite meeting the requirements for both offers, I have only received the {$150.00} XXXX credit. I have contacted Synchrony Bank multiple times, and they have repeatedly promised to credit my account with the {$100.00} offer. 

Escalation to XXXX : After multiple failed attempts to resolve the issue, I was escalated to Synchrony Bank XXXX, XXXX ( ID no. XXXX ), on XX/XX/year>. He created a new work case referencing the prior approval letter dated XX/XX/year>. XXXX XXXX assured me that, if approved, I would receive the {$100.00} credit before XX/XX/year>. 

Documentation : I have attached copies of the email confirmations of both offers, including XXXX separate approval letters for the {$100.00} credit. 

Continued Failure : Despite these promises and approvals, I have still not received the {$100.00} credit. 

This ongoing issue has caused significant frustration and inconvenience. 
I respectfully request that the CFPB investigate this matter and take appropriate action to hold Synchrony Bank accountable for their repeated failure to fulfill their obligations.
Product: Money transfer, virtual currency, or money service

Through Wise, formerly TransferWise.. On XX/XX/XXXX, completely after their 5 day process they put me personally through, giving them all my life info, ID, picture of ID, passport, passport photo with my face in photo, bank statements, proof of funds, my account was set and i initiated the transfer of {$14000.00} in USD to XXXX  pesos transfer to someone i've met in person and know. I sent the money to them on XX/XX/XXXX. It fully left my bank account. On XX/XX/XXXX i woke up to log in to my account which was blocked, de-activated and shut down without notice. Nothing to track my money, over 32 calls with these terrible customer service representatives who all had nothing to say or help, finally once said a refund was issued XX/XX/XXXX ... complete lie to get me off the phone,12-15 emails until tagging CC : XXXX and someone's name high up in the company i found online, they finally wrote in email said they are holding my money for 60 days.
Product: Credit card or prepaid card

Wells Fargo credit card - I bought a garage door and disputed the charge. The door does not close properly, does not lock, and leaks when it rains. I want a refund. I was XXXX by the company 's sub contractor.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX, I purchased a XXXX XXXX XXXX from XXXX. At the time I had a credit rating of about XXXX according to all the information I could access from he reporting agencies. Part of the incentive to buy from XXXX was a 4 % interest rate with an excellent credit rating. As we were closing the deal I saw the interest rate was either 9 or 12 % and I asked why my rate was so high. Even though my excellent credit score was posted in all 3 websites, XXXX old me that they said that my credit rating was actually XXXX, so I get the higher interest rate. 

I asked them why do the reports I get say i have a XXXX credit rating, and yours says mine is XXXX? Are there 2 different credit reports available to consumers and creditors? She said that is what they sent us, so that is what we are charging you an its not changeable. I called all 3 credit reporter 's and they said no, you only have one credit score with us. They said it's possible that another one of the 3 agencies has a different score. 

I checked and my score was even better at another one and about the same as the other. I was in the middle of a very chaotic relocating at the time, I ended up wrecking my truck and breaking my back during the move. All my payments are autopay so I I forgot about it. 

XXXX refuse to recheck and lower my interest rate.I did not know that this agency existed and thought I was XXXXThey have my signature and the deal is done and there is nothing I can do. 

They scammed me and I have been paying over XXXX he interest I should have been paying. I worked had for that credit score and along with another incident, I have completely lost faith in the system. 

Is there anything I can do? The note holder makes it difficult to see what my interest rate is and that has me worried as well. 

Can you help me or steer me in the right direction? What they did to me is not right.
Product: Debt collection

Some Law Firm in NY claims to have a debt that I did not pay and a UCC lien on my Cash App they have blocked.

I have gone to the North Carolina Secretary of State site to check the business info that I had. My business was dissolved during the Pandemic and it closed. There is not such law firm that I ever did business with.

Below is the strange communication that I recieved in an email from Cash App. They are holding my money hostage for a debt that I do not owe and they will not send me any proof of the debt.

Hi Dr , We are writing to inform you that your Cash App account has been put on hold due to a UCC lien notice.

What does this mean for my Cash App account?

A creditor is enforcing a lien filed against your businesss receivables, which identifies you as a secured party. This lienholder is seeking repayment for a debt. They have taken action by sending notice of the lien to us, either directly or through a law firm or debt collection agency.

What happens next? 
Were obligated by law to place a hold on your Cash App account. This means that you wont be able to transfer any funds from your balance. All funds will be held in your Cash App balance until we receive one of the following : 1. A release agreement from the lienholder directing us to lift the hold on the account.

2. A court order or other documentation that authorizes us to release the hold on the account.

What do I do to resolve this?

UCC liens must be resolved between you and the lienholder. You may be able to work out a solution by contacting them directly. If you reach an agreement, the lienholder will need to send a copy of the release agreement directed to us instructing us to lift the hold on the account.

Heres the contact information we were given about the lienholder : Law Offices of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX, New York XXXX Email : XXXX Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Sincerely, XXXXXXXX XXXX XXXX Please note that on XX/XX/2021, Square , Inc. changed its name to Block , Inc .
Product: Student loan

I filed for a reissue of my student loan refund on XXXX XXXX XXXX XXXX  and was told it would take 4-6 weeks. Once that occurred and no check was reissued I was given a new time frame of 8-10 weeks. It has been now 11 weeks, and was now told there is no time frame and it is unclear when my check will be reissued.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate of Complaint number : XXXX as the date ( s ) of occurrence ate different occurring between XX/XX/XXXX and XX/XX/XXXX and not XX/XX/XXXX to present as in complaint XXXX. 
Product : Mortgage Issue : Improper use of your report Bank of America, or those working on behalf of, for the interest of, or for the banks benefit, accessed my credit reports for unlawful purposes after foreclosure processes had been initiated. In addition to improper inquiries, sharing of information obtained from and through accessing credit reports for purposes that aren't allowed by law, or gaining access to my credit reports and the data contained within I've had my personal, financial and private information grossly compromised due to such conduct and behavior. This behavior, to the best of my knowledge, occurred between XX/XX/XXXX and XX/XX/XXXX. 
What would be a fair resolution to this issue? 
Credit report corrections and other related updates, changes and correction such as new identification numbers as well as ongoing and constant credit fraud protection and monitoring. In resolution, in part, I would need to establish a new identity to include, but not limited to, new government issued picture identification, new social security number, new name and a new post office box. Obviously, this type of behavior and activity is to cease and desist from hence forth as well.
Product: Credit reporting

I have contacted Equifax seral times within the last three months about some incorrect reporting XXXX. They keep saying that XXXX XXXX is reporting this information. This is not true. XXXX is reporting these XXXX accounts with the correct balances. They sent me a credit report dated XX/XX/XXXX2015-XXXXreporting balance XXXX is incorrect-the balance is XXXX XXXX XXXX reporting XXXX is incorrectly-the balance is XXXX.
Product: Vehicle loan or lease

I found out someone went to CarMax auto finance and obtain a car in my name. i found out in XXXX 2018 i went to get a car from a dealership and they advised me of a current loan. i wrote police reports and followed all steps to get this off my credit report because it was not myself who went into CarMax and purchase a car. I was told by CarMax find out who did not our job and we will continue to update your credit with the information that they know has been falsified. so basically, CarMax knows that it is identify theft when i call i have been laughed, i have also been told get a lawyer and hung up on. i have also been told by CarMax find out who did it we may take it off. it's really sad. than i spoke to CarMax again and was told the person used my driver 's license so they will not take it off. so i told the investigator on my case he advised me that my driver 's license was ordered 3 different times threw dnv online and sent to 3 different addresses. he let me know the addresses i have never heard of. and CarMax auto finance  knows this is not my account i am a victim and still refuse to take off my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please reverse the late payments reported on the following accounts : XXXX XXXX****, XXXX XXXX XXXX**** and XXXX XXXX XXXX XXXX**** The accounts were never past due, I never made a late payment to this company ever please change this, I have a good relationship with these companies.
Product: Credit card or prepaid card

On XXXX & XXXX I purchased XXXX concert tickets for my birthday that was to take place on XX/XX/XXXX. As of today we have not received a refund and they have scheduled concerts for days that dont correlate with my schedule. I reached out to Wells Fargo after receiving word that refunds wouldnt be issued and they declined my claim XX/XX/XXXX stating its past the 60 days of notice. I had been reaching out to them since XX/XX/XXXX to see what the resolution would be and I have not received my service or refund!
Product: Credit card

Bank of America issued a XXXX cancellation/discharge of debt back in XXXX which I filed with my income tax return for that year ( document attached ). BofA continues to report the accounts to XXXX, XXXX and XXXX as charged off, closed BUT with a current past due amount. This current past due amount should be XXXX ( {$0.00} ). When I called BofA, they told me that they agree that they charged it off, issued the XXXX and do not intend to collect. There is case law on whether an original creditor can collect after they 've issued a XXXX. In the bankruptcy case : XXXX, Debtors., United States Bankruptcy Court , XXXX Tennessee, XXXX XXXX, XXXX, the Court Stated : " It is inequitable to require a debtor to claim cancellation of debt income as a component of his or her gross income and subsequently pay taxes on it while still allowing the creditor, who has reported to the Internal Revenue Service and the debtor that the indebtedness was cancelled or discharged, to then collect it from the debtor. ... ... The court does not agree with the argument that because a Form XXXX can be corrected or amended, it can not constitute an admission by a creditor that a debt has, in fact, been discharged or cancelled and that the debtor is no longer indebted thereon. ''
Product: Debt collection

I do not own this account. It is indicating a JOINT ACCOUNT. I have never had this account. Please remove from my XXXX CREDIT FILE. I feel this account was an act of fraud against my identity as it was previously also listed on my XXXX AND XXXX CREDIT FILE. I have disputed this matter with XXXX AND XXXX credit bureau they completed the investigation on time and removed the collection..for your tracking and verification purposes of my statement. 
Please remove this account from my credit file and reanalysis my FICO SCORE through XXXX
Product: Credit reporting or other personal consumer reports

I am doing follow up for my recent complaint dated XX/XX/XXXX. Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report with reference number XXXX. Please find the ATTACHED documents to assist in the removing of the erroneous personal information and inquiries which were being posted to my report. Here is the list of items which were opened without my permission : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX -- -- -- -- -EQUIFAX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX -- XXXX -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

I received a letter from this company demanding payment. To my knowledge I have never signed a contract with this company and they have never provided me with services or goods
Product: Credit reporting or other personal consumer reports

I went to temporarily unlock my credit report and then relock it and these thieves automatically, without my consent, signed me up for some paid service I have no interest in and do not want. When I went back into my account to unsubscribe to this service and relock my account, it now tells me it's a paid service, but there's a " freeze '' option. When I went to do that, it made me have to create a whole new account. When I tried doing that, now it tells me it can't verify my info. IT WAS ALL THE SAME CORRECT INFO! Then it tells me to call a number, and the number brings you to foreign outsources script reader who keeps cutting in and out and is difficult to understand. They've purposely changed everything so you don't know what's free and what they're charging a subscription for and keep transferring you to new accounts. I DON'T WANT ANY SUBSCRIPTION SERVICES! I JUST WANT TO FREEZE OR LOCK, OR WHATEVER MY REPORT! PERIOD! I DON'T TO BE SOLD ANYTHING AND TRICKED INTO SIGNING UP FOR THINGS BY THESE SLEAZEBAGS
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; XXXX  and Transunion are reporting incorrectly 30 90 plus days late, as well as a Repossession on the XXXX partial account number ****XXXX. ( Please see pages 3 and 4 of the attached credit report. ) This account is in good standing ; I have possession of the vehicle ; and there have not been any missed payments. I have also attached a copy of my Receipt from XXXX XXXX dated XX/XX/2019 reflecting my XXXX, 2019 payment. I have contacted the ( 3 ) bureaus to fix this, however I have been unsuccessful. This incorrect reporting and coding is harming my credit score and this line item needs to be corrected.
Product: Mortgage

Good Evening- in XXXX I received an approved loan mod with my first lien holder and then in XXXX I reached out to my 2nd lien for a modification ( HELOC ). I called 2nd lien and was advised to send in a written request and a copy of the 1st lien approval. I was never acknowledged after several phone attempts. Last month I reached out to the 2nd lien again proposing a settlement offer. I was informed for the first time that my loan had placed with a collection company. When I contacted them andprovided the requested documentation I was declined the settlement offer. When I asked about the other options I was again told for the first time that the loan was charged off. They did tell me that I could either pay the loan off in full ( balance is $ XXXX ) or I could pay an initial amount of {$14000.00} and then make monthly payments of {$400.00} for 6 months and then status of loan would be reviewed again for a settlement payoff or the continuation of the {$400.00}. If they would have acknowledged my initial request for a loan mod review I would not be in the position, not to mention the status of this loan is destroying my credit. I am in a charge off status but I continue to get regular mortgage statements. For this reason I am requesting your help thanks
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the fraudulent information reported on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), Section 15 U.S.C. 1681c-2, and to request that this information be blocked and removed immediately. 
I have attached a copy of my FTC Report ( FTC Report Number : [ XXXX ] ), along with additional documentation supporting my claim. This report demonstrates that the information in question is the result of fraud and should not appear on my credit report. 
Pursuant to Section 15 U.S.C. 1681c-2, when a consumer submits an identity theft or FTC report XXXX credit reporting agencies are legally obligated to block or remove any information identified as fraudulent within four business days. 
The information on my credit report was reported without my explicit consent or written authorization. This constitutes a violation of my rights as a consumer under the FCRA. Therefore, I request that this information be blocked and removed immediately. 
I would like to inform you that I have been a victim of fraud, as unauthorized accounts and transactions have been reported in my credit history. I have also filed a complaint with the Federal Trade Commission ( FTC ), and I am including a copy of this report for your reference. 
All required documentation to support this claim is included in this package and has been sent to your agency via fax and certified mail. I demand that the following fraudulent accounts be removed from my credit report without delay : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XX/XX/year>23 XXXX XXXX XXXX XXXX/XXXX/23
Product: Checking or savings account

The bank takes several days to share updated checking account balance with activehours.com.