23daVinci/CFPB_Complaints huggingface dataset:
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 items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here are the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : - XXXX XXXX Balance : - XXXX XXXX XXXX Balance : {$3800.00} U S DEPT OF ED/XXXX XXXX Balance : - XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX , MA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, MA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX , FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MA 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 alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXXXXXX XXXX  Account number : XXXX
Product: Credit card or prepaid card

In XX/XX/2022 I paid American express {$4200.00} for a bill that was meant for my XXXX XXXX  XXXX. I contacted American express around XX/XX/2022 and asked for them to send me back the money. They said they would send me a check with in XXXX to XXXX  days. I called them XX/XX/XXXX and told them I had not received the check and they said they made a mistake and did not mail it. That they would be sending me a check and I could expect it in XXXX to XXXX  days. I asked for a supervisor and asked if they could wire me the money. They said they only can wire money after they attempt to send the check. I told them they already tried to send a check and failed. He refused to send me a wire transfer and said " checks in the mail ''. XX/XX/XXXX I called again and said I did not receive my money. They said that the check for whatever reason was not send out. I asked to have the money wired to me and they said they would do that and said I would receive the money in XXXX to XXXX  days. I did not receive the wired money. It is now XX/XX/XXXX I am on hold with Amex on my XXXX call to them asking them where my money is. They said it still has not been sent and I am on hold waiting for them to give me a response. I think this is criminal that they can hold my {$4200.00} XXXX and not return my money. I feel helpless and I feel taken advantage of. How many people do they do this to. How many millions of dollars are they holding XXXX making money off my money and purposely doing this to make additional profit. I have bills to pay and just went thru the holiday and I am getting desperate. I am hoping you can take some sort of action against this company and fine them for this behavior so they don't do this to any other people. I don't know if I have any recourse against this company. Any help you can provide me would be greatly appreciated.
Product: Mortgage

On XX/XX/2018 I closed two loans with Union Bank. My complaint is that they charged me for the application fees which was in the amount of {$550.00} for each loan. I paid that when I first applied back in XX/XX/2018 for a refi with cash out. They told me they would not do cash out just rate and term, so I went ahead and did rate and term with just enough cash out to cover closing cost. The escrow company, XXXX XXXX XXXX XXXX, called me and asked me to sign docs on Saturday XX/XX/2018 at XXXX which I did. I noticed when I was signing docs for Notary person that there was an application fee of {$550.00} of each loan again. I told escrow person that I already paid app fee for each of the two loans back XX/XX/2018 and he told me it was probably just a mistake and that the escrow officer would remove it on monday but I should sign docs anyway because my rate lock would expire on the following monday so I signed. Called escrow officer on monday and was informed that Union bank would not remove this second app fee. Wrote to Union Bank about his matter and they refused to return my money period. Please see attached. 
Union bank claimed its two different loans but its not and the rate lock is the same one they used from back in XX/XX/2018. They ripped me off for $ XXXXVery shady Bank.
Product: Debt collection

I received a notification from Experian, XXXX and XXXX that collection from XXXX XXXX XXXX XXXX XXXX XXXX  for the amount of {$140.00}. 
I have sent out a 609 letter which is a debt verification letter to the company and I have received no response in 60 days. Furthermore, the collection is showing as an open account on my credit, this is a direct violation of Fair Credit Reporting Act. 
I am therefore exercising my right under FCPA to Experian, XXXX and XXXX to delete collection immediately or I will be suing within 30 days.
Product: Debt collection

I disputed a debt that I do not owe with AFNI within the 30 days of the 1st notice. They sent back a letter to me that was basically another bill..yet put the account on my credit report right away. I asked again and they provided a validation after the 30 days. The amount is not owed. Equipment to the cable company was returned.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report I noticed that an account that was removed is still being shown on the transunion and XXXX  credit companies. It was removed from XXXX as well but somehow it is showing up on the other 2 companies. I have included documentation to prove that this account was removed so it should be consistent across all 3 credit bureaus. I don't understand how it can be removed and magically come back and hurt my score again. Please remove this account from my credit report and have it consistently report across all 3 bureaus.
Product: Debt collection

Fair Credit Reporting Act ( FCRA ) requires a collection agency to provide me with written notice. Berlin Wheeler never provided written notice. I never received adequate information to identify and confirm debt.
Product: Mortgage

The bank is trying to foreclose on our home again for the 4th time. The bank has lost in court 3 times. The judge has ordered that this case was closed and that the deed and note was invalid. The bank is using the foreclosure process illegally to obtain my property by fraud. The are using the court as coercion to take my property. We are not getting our legal fees back. We are in our XXXX. They are trying to deplete our funds. They are depleting our funds.
Product: Credit reporting or other personal consumer reports

I am a victim of XX/XX/XXXX I submitted documentation to have items removed from credit items were removed but not blocked and have returned to my credit report when I tried to dispute and resubmit original documentation they didnt not remove or block the items and since more items have returned. This problem is on going about every 3- 6 months the same accounts they agreed to block continue returning and effecting my ability to move on and have a positive gainful and stable life. This is my second complaint is resolved and the problem persist.
Product: Debt collection

I was not notified that my account was being closed by XXXX XXXX. I was only notified that there hsn credit card accounts were being transferred to synchrony.. After the transfer, the balance almost doubled and I never received a new card as the letter notify of transfer I dictated. I didn't find out the account had been closed until several months after it was transferred. Even though the balance owed is incorrect, I have tried sending payments and they have either been returned because they claim they don't have an account or someone has cashed the money orders ( which I am in the process of reporting as stolen ) and other credited the make believe account with the wrong balance that I'm starting to believe is probably not my account and could be something they made up or belongs to someone else.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed on my credit reports accounts that does not belong to me. I am asking that these fraudulent items be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

60 days ago I reached out to Equifax, XXXX  and XXXX  regarding the unaurthorized hard inquiries that's on my credit report. Each company told me they would submit a dispute to delete them but all three of the companies have failed to do what they said.
Product: Money transfer, virtual currency, or money service

Basically back on XX/XX/XXXX and XXXX someone hacked my account and sent them self self payments over {$2500.00} the bank pretty much accuse me of giving someone my account information Im not sure if Im gon na get my funds back. Now they are cancel my account and not allowing get a new account with
Product: Credit reporting or other personal consumer reports

i was reviewing my credit report and noticed that I had some inaccurate information on my credit report
Product: Debt collection

Second Round LP is trying to collect monies owed on two previous credit card accounts I opened with XXXX XXXX in XXXX. The amounts are {$560.00} and {$450.00}. Currently these two accounts are negatively reporting on my credit reports as collections. In North Carolina, a debt collection agency has to have a permit or license to collect from NC residents. As of today 's date XX/XX/XXXX, Second Round LP does not have a permit or license.
Product: Money transfer, virtual currency, or money service

I had a dispute with a business owner of XXXX XXXX XXXX, Venmo user @ XXXX, over goods sold on Venmo 's XXXX feature that were not as described. I filed a chargeback, Claim # XXXX, with XXXX XXXX and Venmo accepted the disputed amount on XX/XX/XXXX for {$3200.00} from three transactions that were disputed with @ XXXX. 

I received an Email from Venmo on XX/XX/XXXX stating that I owed {$3200.00} for a negative balance on my Venmo account, the reason being that my bank would not cover it, specifically that it was " Returned at XXXX XXXX 's request ''. I reached out on XX/XX/XXXX to Venmo customer service explaining that XXXX XXXX is not my bank and that the information in the E-mail is incorrect since the {$3200.00} was disputed not returned, and that Venmo did not deny the chargeback from XXXX  XXXX. 

I received a response from XXXX XXXX on XX/XX/XXXX that reiterated Venmo 's terms and conditions and said they could not do anything about the disputed amount, I would need to pay it to unfreeze my account. I received another e-mail from Venmo collections threatening to collect a debt for {$3200.00} on XX/XX/XXXX. 

My complaint is that Venmo user @ XXXX is equally responsible for the disputed amount for repeatedly violating Venmo 's terms, and that Venmo is not doing enough to prevent merchants from abusing payers through their platform. On the venmo site, it states that " If you accept a Venmo payment from someone for a good or service and we later review the payment, we may reverse the payment, meaning you could lose both the payment and the item sold. This review process may not occur until after you attempt to transfer the funds out of Venmo. '' However, based on my interactions with Venmo, money transfers are not being reversed while full responsibility is being placed on the payer, despite the payee 's equal involvement with the disputed amount.
Product: Checking or savings account

XXXX a company who I gave my Medicaid that they accepted and approved, info in wich I'm fully covered.I was told due to the set up on web I had to add a card, but wouldn't be charged met with therapist didn't like her filled a complaint, they apologize and offered to find a new one I declined that was XXXX ago.I don't even have that card any longer .The other day they deducted XXXX from my account at XXXX I called Chime banking and filed a dispute and I emailed the company to tell them that was fraud.Chime refuse to place the money back I appealed and sent more proof and federal law for unauthorized transaction they still won't give me a refund ..Chime never has refunded my money related to fraud in the past they only issue me a new card, but never approve the dispute no matter how much proof you send.
Product: Credit reporting, credit repair services, or other personal consumer reports

am a natural person, I am a living human being. I have rights under 15 USC1681 Equifax is govern by 15 USC1681, and they violated my rights numerous of times. I demand these accounts listed below be removed because according to 15 USC1681 I have the right to privacy and i did not give Equifax written permission to furnish these accounts. 

Accounts : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I had someone call me saying they were XXXX XXXX saying my account balance was past due and my services will be shut off. Then they said I had a glitch on my account that showed {$900.00} was past due. I needed to send different increments of money and they system would recognize that it was paid and then it would automatically reimburse me. The phone number the guy was using is ( XXXX ) XXXX, from XXXX, MI. I have reported this to my bank and they are making a dispute, but said it's not likely that I will get my money back. I sent a total of {$1500.00}.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the correction of inaccurate personal information on my credit report. Upon review, I noticed discrepancies in my listed address history. These errors are unrelated to me and should be removed to ensure the accuracy of my credit profile. 

Specifically, I request the removal of the incorrect addresses : Credit Score : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I also request that my credit profile be updated with the accurate information : Full Name : XXXX XXXX Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Social Security Number : XXXX Date of Birth : XX/XX/year> To support my request, I have attached : A copy of my government-issued ID verifying my name and date of birth. 
A recent utility bill confirming my current address. 
A copy of my Social Security card verifying my SSN. 

This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I request that you : Investigate and remove any inaccurate personal information from my credit report. 
Update my credit profile with the correct details listed above. 
Provide written confirmation of the corrections and supply an updated credit report.
Product: Prepaid card

It has now been almost 2 weeks and I have n't been able to access any of my money.. this issue started XXXX XXXX and still persist till this day. I have n't been able to get anyone on the phone the line keeps hanging up on me. I can finally go online to if see my funds are there which they are but the card they have there on the account is my old expired card ... At the end of the day I just want my money back that I worked hard for ... My vacation has already been ruined by this unfortunate event in which I have finally accepted, but I will not accept this unprofessional conduct by Rushcard. I also feel that its messed up how no one has stepped up to help us. why? is it because we do n't bank with XXXX XXXX, XXXX, XXXX XXXX etc. Sorry but our money matters too and it pays taxes just like every one else 's does. I 'm a single Female without kids and a XXXX XXXX that do n't make much as is but get almost {$200.00} dollars taken from me every two weeks for taxes. I want to know what our Government that I pay so well is going to do to help us tax payers that has been effected by this.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus stated that they have properly investigated but how is that possible if the accounts are showing past due amounts on charged off accounts this is ground for removal I have made several disputes with XXXX XXXX account # XXXX # XXXX I contacted XXXX XXXX back in XX/XX/XXXX and was referred to call XXXX and XXXX I originally called XXXX XXXX because the account was charged off at {$2400.00} but had a past due amount of XXXX and the other account was charged off at XXXX with a past due XXXX which XXXX  XXXX advised me to call the collection agency according to the fcra once these accounts are written off as bad credit it either can be transferred or sold to to a debt collector the rules also state once a account is transferred to another agency for collection the account should have a XXXX  balance and no longer have a past due amount at that higher then what was charged off this is a factual inaccuracy. For instance, if the account was transferred or sold to a collection agency, then the past due amount should be at XXXX. If the past due amount is reporting on your credit report for a charged-off account, that is incorrect reporting. I have been disputing since last year and at this point I am asking for immediate DELETION for inaccurate reporting with the Bureaus I have made several disputes from XX/XX/XXXX XX/XX/XXXX and I have made several complaints with your agency please see all previous complaints They have also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer agency reporting agency can not furnish a account without my written instructions. 

They have also violated my rights under 15 U.S.C 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they received my disputes They have also violated my rights under 15 U.S.C 1681 Section 611 ( 5 ) ( a ) ( l ) ( ii ) The law clearly states if items are found to be inaccurate or can not verified the consumer reporting shall promptly delete the information from the file of the consumer
Product: Student loan

Twice now my federal tax refund has been withheld in its entirety to go toward these student loans. However, my credit report reflects that while my entire refund was withheld, only a portion of that actually went toward the balance on the loan. 

My refund amount from 2016 was {$830.00}. My credit report shows the loan balance decreased by only {$400.00}. I have been unsuccessful in getting the collection agency to furnish proof / payment history on the account.
Product: Checking or savings account

Chase has resolved the issue, and the check which was sent was returned in error as the package wasn't correctly addressed to the recipient please could it be resent to the address provided.
Product: Debt collection

Date : XX/XX/XXXX Amount : XXXX ( Increasing every week ) Collector : Red Rock Financial Services at XXXX XXXX XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX ( The HOA of a house the debtor owns ) XXXX XXXX and registered agent for the HOA : Firstservice Residential Nevada LLC at XXXX XXXX XXXX XXXX XXXX, NV XXXX Tel : XXXX Red Rock tries to collect a debt of {$5300.00} ( up to XX/XX/XXXX ) for the HOA, This amount includes : {$4800.00} fine for 2 violations, {$100.00} for Fine of Pre-Collection Notice ; {$200.00} for collection cost ; {$160.00} for intent to lien letter ; {$50.00} Late Charge, etc. 

We dispute the debt because neither we or our property management ( XXXX  ) ever received any communications regarding the violations or the fines until the collection letters arrived us on XX/XX/XXXX ( Seems they do have our correct address ). We requested a ledger of our account and the citations on the same day. We received a ledger on XX/XX/XXXX but not the citations yet. It is not fair they never send us any monthly, or yearly statements while we pay the dues on the first day of each month electronically since we bought the house in XXXX. Never miss a payment. It seems unbelievable that they would not at first attempt to contact us the owners prior to transferring the debt to a collection agency. They were not fair, careless and negligent. 

If they have inform XXXX or us regarding the citations, we could have corrected the problems in time. XXXX  has a dedicated person to handle all the HOA matters. If we got a copy of citation, we would forward to XXXX  and follow up the matter. XXXX  supposes to sent them a copy of the lease for their record, whenever a new lease is signed, 3 leases has been sent since XX/XX/XXXX, so they should have XXXX 's contact as well. 

Thank you very for reading this and please help us.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reviewed my credit report seen where there was a collection account from " Southwest Credit Systems '' for an account with XXXX or whomever it is with. 
I've never done business with XXXX or this company or ITS affiliates. 
PLEASE REMOVE THIS FROM ALL 3 CREDIT BUREAUS ASAP. 
I'M ALSO ATTACHING A COPY OF A POLICE REPORT RECENTLY FILED. 
THIS IS NOT MY ACCOUNT. 
SEIZE ALL COMMUNICATION EFFORTS AND REMOVE THE NEGATIVE INQUIRY EXPEDITIOUSLY
Product: Debt collection

I was contacted by Fair Collections and Outsourcing inc.by phone that I owed XXXX $ to XXXX XXXX XXXX owned by XXXX XXXX on XXXX XXXX. 40 days after my lease ended at XXXX XXXX XXXX XXXX IN XXXXon XXXX XXXX. No prior notice of any money owed was sent during this time prior to the phone call. XXXX collections explained the amount owed was for unknown late fees, unknown damages, XXXX $ unexplained and XXXX $ described as electric re-billing. I was never offerd a final walkthrough inspection of the apartment to check damages. The Electricity was never included in my lease and was my responsibility not XXXX XXXX to pay. After 15 years leasing from this company I am surprised that I was turned over to a collections agency threatening my credit score and rental history without notice and so quickly. On the day my lease ended I was returning my keys ; the Offices of XXXX XXXX in XXXX Indiana were closed. This includes, XXXX XXXX and XXXX XXXX.