23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Hi Team, Hope this email finds you well! I'm an international student who opened the checking account with XXXX. However recently I experienced the disappointed experience with them due to fraud activities. I lost totally XXXX dollars on the checking acc. Please kindly help me on this issue : I found there has XXXX exact same amount transactions with XXXX dollars with different merchants on XX/XX/XXXX by using XXXX XXXX XXXX. The truth is I never use XXXX wallet and XXXX devices. I reported XXXX transactions of XXXX dollars each but there has XXXX more unauthorized transaction by using XXXX XXXX with the small amount of XXXX dollar on XXXX I missed to check and report initially. Therefore, XXXX declined my claim and decided to charged me checking acct. When I called back and reported again, they decided no longer helping me anymore. 

I'm currently an international student at the University of Utah and I only stay in XXXX XXXX XXXX so I would never make other charges in other State.If the bank can't protect my asset well and let someone perpetrates a fraud make money, how I can trust the financial institution moving forward? I need a notarized verdict. 

Please see below information : Name : XXXX XXXX XXXX of inquiry : XX/XX/XXXX Claim number : XXXX Debit Card ending in : XXXX Checking Acct number : XXXX Claim related to account ending in : XXXX Address : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, Utah, XXXX Unauthorized charges : - {$300.00} : XXXX XXXX XXXX at Washington on XXXX XX/XX/XXXX - {$300.00} : XXXX XXXX at XXXX on XXXX XX/XX/XXXX - {$300.00} : XXXX at XXXX on XXXX XX/XX/XXXX - {$30.00} : XXXX XXXX XXXX XXXX on XXXX XX/XX/XXXX Please kindly help me to investigate and argue with the bank! Appreciate your helps in advance. Contact me anytime at XXXX. 

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

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXX n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Product: Debt collection

This is a follow up complaint to case submitted on XX/XX/2023. I submitted a complaint about this debt collector who purchased an illegal debt. I would like this matter further investigated as this debt is a false debt they are trying to collect. This matter was in court proceedings and their lawyer submitted a Dispositive ( Complete ) Withdrawal on XX/XX/2023 that states The Plaintiff 's action is WITHDRAWN AS TO ALL DEFENDANTS without costs to any party. Yet, they are making claims I owe for something in which I was not living nor residing in this unit during the times they are claiming. I am resubmitting proof that their attorney as agree I do not owe this debt. Please review attachments.
Product: Debt collection

This collection is illegally reporting falsely the receivable management services LLC is reporting that I am past due. This is illegal and needs to be deleted permanently. How can this account be past due on a collection I never had an agreement with this company to be past due I never signed an agreement with them ever. They are just trying to make money off of me as a consumer. Please permanently delete this account off all reports immediately. This past due statement from this company is illegal and they are violating my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

******THIS IS NOT A DUPLICATE***********THIS IS NOT A DUPLICATE********** I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer. I have reached out to the credit bureau on more than one occasion to advise of my credit being pulled without my permission. These are the accounts that are unauthorized inquiries : 1. XXXX XXXX   XXXX/XXXX/XXXX 2.XXXXXX/XX/XXXX3. XXXX XXXX XXXX/XXXX/XXXX 4. XXXX XXXX XXXX/XXXX/XXXX 5. XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX 6. XXXX XXXX XXXX/XXXX/XXXX 7. XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX 8. XXXX XXXX XXXX/XXXX/XXXX 9. XXXX XXXX/XXXX/XXXX 10.XXXX XXXX XXXX/XXXX/XXXX 11. XXXX XXXX 12. XX/XX/XXXX XX/XX/XXXX13.XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX.
Product: Credit reporting

The Equifax report contains an incorrect address. This address needs to be removed from the report as it is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to this company and credit bureaus to inform them all that this account was open fraudulently. I sent them certified letters on XX/XX/2018 ; XX/XX/2018 ; and XX/XX/2018. It is now XX/XX/2018. I sent the PNC BANK, NA and all 3 credit bureaus a copy of my police report, ID Theft Affidavit, ID, and my social security card. The company has not responded to any of my letter directly, which is a direct violation of the fair credit reporting act.
Product: Credit reporting or other personal consumer reports

As part of a litigation settlement XXXX XXXX XXXX my XXXX debt was XXXX. In addition all credit reporting translates were supposed to be deleted from my credit report. I send the proper paperwork to Equifax and XXXX and they refuse to delete it from my credit report. Equifax follows there same routine when investigating and do not take any paperwork provided into consideration. They are reaching out to XXXX only to verify the late payments that indeed took place. They are not investigating the actual settlement and action that was supposed to be taken to delete the entire loan history from the credit report.
Product: Payday loan, title loan, or personal loan

I have previously filed a complaint with CFPB ( XXXX ) regarding MoneyLion 's failure to allow its loan clients to revoke ACH authorization. Within that complaint are additional details surrounding my initial failed attempts to revoke.

In MoneyLion 's XX/XX/XXXX response, the company offered to manually revoke this. To date, they have failed to do so, and this further indicates their deliberate refusal to honor customer requests to revoke ACH authorization as mandated by law. 

I am attaching a screenshot from within the MoneyLion app that shows my still-linked checking account of which I have repeatedly requested removal. I continue to receive an error stating " We can't delete your payment method at this time '' with each attempt to remove.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Equifax credit bureau must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX : {$0.00}
Product: Credit reporting or other personal consumer reports

Unauthorized inquiries XXXX XXXX XXXXXXXX XXXX : XXXX. XXXXXXXX XXXX  XXXX XXXXXXXX XXXX  SER Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX
Product: Payday loan

Lender contacts for payment BEFORE the loan payments are DUE
Product: Credit reporting, credit repair services, or other personal consumer reports

The account XXXX XXXX XXXX was never past due, i never made a late payment to this company ever please change this, i have a good relationship with this company.. I sent a letter to Equifax and XXXX  but they refused to reverse the late payment nor did they give me a reason why they wont do it..Not only that, they never gave me any proof of investigation that they have verified the account as accurate..CFPB please hear me out and correct the late payments
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX i went into a bank of America branch to find out exactly what happened to the bank account I had with them the front desk person had informed me that my account was being handled by another department due to activity that went on my account so I call the number that she had provided to me and I found out that since my debit card had been lost over the winter break someone had ownership of my account online banking and my debit card they had done wrongfully activities on my account that had lead Bank of America to close my account and person I was speaking to told me to file a dispute for them to correct the issue and try to help me recover my account and reopen it but when all charges came back to the account they had informed me that they can no longer due business with me and reported to early warning that I committed fraud with my bank account knowing had no acknowledgment on what was going on due them closing my account wasn't able to access my account online due to it being compromised.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the credit bureau AGAIN & AGAIN that I was the victim of identity theft. Per FCRA section 605b credit bureau are required to remove/block any item listed on an id theft report. Please find the required 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. 
XXXXXXXX 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 XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$3200.00} ; XXXX XXXX  XXXX Balance : {$310.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$240.00}.
Product: Credit reporting or other personal consumer reports

The following inquiries were not authorized by me and/or I do not recognize the account : XXXX. XXXX OF XXXX on XX/XX/XXXX by XXXX XXXX. XXXX XXXX on XX/XX/XXXX by XXXX XXXX. XXXX XXXX on XX/XX/XXXX by XXXX XXXX. XXXX OF XXXX on XX/XX/XXXX by XXXX XXXX. XXXX  on XX/XX/XXXX by XXXX XXXX. XXXX  XXXX on XX/XX/XXXX by XXXX XXXX. XXXX XXXX on XX/XX/XXXX by XXXX XXXX. XXXX  on XX/XX/XXXX by XXXX XXXX. XXXX on XX/XX/XXXX by XXXX XXXX. XXXX XXXX on XX/XX/XXXX by XXXX XXXX. XXXX XXXX on XX/XX/XXXX by XXXX
Product: Credit card or prepaid card

I have an account with paypal credit which is serviced and run by Snchrony bank. One of the services they offer is a 6 month no interest on purchases as long as they are paid off before they expire. 

There is a purchase on my account that as of XX/XX/XXXX was around {$1500.00} with accrued interest of {$200.00}. I sent the following payments to clear this charge and avoid the interest. 

1. {$1300.00} on XX/XX/XXXX. 
2. {$150.00} on XX/XX/XXXX. 
3. {$170.00} on XX/XX/XXXX. 
Total {$1600.00} This purchase still shows a balance of {$490.00} as of today. I contacted them back in XXXX and they told me the payments were incorrectly applied to other purchases and they would fix this. As of XXXX it is still not corrected. There are numerous unexplained miscellaneous adjustments that do not add up to a correction of the issue. 

Synchrony / PayPal Credit is now conveniently reporting that their customer support is unavailable either by email or phone due to the corona virus. While I understand this time is hard on everyone they are somehow able to still charge interest and collect payment but do not have the personnel to address issues they intentionally created. How is email support unavailable? This makes no sense and has nothing to do with social distancing. 

There are entire websites and forums devoted to exposing these practices. Unfortunately I did not discover them until I was part of this issue.
Product: Credit card

Related to managing my American Express credit card ( https : //www.americanexpress.com ). Their website is VERY misleading. First, upon signing on to the website, the account activity screen shows only the current month 's ( period ) purchases and current amount due. Any amount due from previous months is not shown. Second, interest charges and late fees are NOT shown in the account activity detail. Any interest or late fees is included in the amount due. In other words, the current amount due is MORE than the total of current purchases. Third, payment activity shows only electronic payments made. I recently sent a paper check, they cashed it, and it does n't show in my account activity. And because only the current period balance due is shown online, I can not tell if the paper check payment was truly credited to my account.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX I THINK NOT MINE DUE TO IDENTITY THEFT SO REQUSTING DELETION OF ACCOUNT ACCORDING TO FCRA 605B
Product: Checking or savings account

We own a small XXXX XXXX, on XX/XX/XXXX we sent a check to our painter in the amount of {$2500.00}. Several weeks later the painter called and asked him where his check was. I checked with the bank and saw that the check had cleared our account on XXXX XXXX, so I thought we were all set. A couple weeks later the painter called again looking for payment. I told him the check had cleared. Around the same time our bank statement came showing the cleared check image. Painter insists he never received it, so we contacted our bank again. They investigated and said the check was deposited, unendorsed, via a XXXX XXXX XXXX ATM. My husband and the painter filed the appropriate documentation with our bank, Rockland Trust, and the painter signed an affidavit that he does not have a XXXX  account. Its been 4 months and we dont have our money back. Rockland Trust says that XXXX  is investigating and that could take months!! {$2500.00} is not a huge amount of money, but in this pandemic, we need every cent of cash flow. Not to mention, we had to pay the painter, so we are out an extra {$2500.00}.

This was absolutely an unauthorized transaction and both banks, Rockland Trust and XXXX XXXX XXXX are not following the rules for an unauthorized transaction. We reported this well within the 60 day window, but neither bank is following their responsibilities. We have had nothing in writing, just excuses, and we are told to have patience, that the investigation could take 4-5 months. Inexcusable. When I spoke to Rockland Trust on XX/XX/XXXX XXXX 4 months after the check was stolen ), I was advised to open a new account and to be patient. Ordering new checks, deposit slips etc. cost {$400.00}. For a situation where we did nothing wrong. Do we have any recourse? This is ridiculous that neither bank is helping us. If this had been a {$25000.00} check not {$2500.00}, we would have been out of business. And there is absolutely nothing we could have done differently. We mailed a check to a vendor. What else could we have done??? And if the check was deposited via an ATM as we were told, there has to be a card linked to an account. Why is it so difficult to find our money??? Ive asked to speak to the fraud department at our bank to get more info, but was told that they dont talk to the public.????? I have absolutely no faith in either bank. This could easily happen again and, other than handing our vendors cash, there is nothing we could do differently. HELP!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX, my rights have beem violated 15 USC 168 Section 602 states that I have the right to privacy 15 USC 1681 604A Section 2 : It states a consumer reporting agency can not furnish a account without my written instruction.

15 USC 1666b : A creditor may not treat a payment on a credit card account number an open and consumer credit plan as late for any purpose.
Product: Mortgage

In XXXX I took out a mortgage with Bank of America ( BOA ). BOA failed to transfer my loan into the REMIC Trust called Banc of America Funding Corp. mortgage pass-through certificates Series 2006-A. According to the Pooling and Servicing Agreement that governs the Trust, my loan was to be sold to Banc of America Funding Corp. ( BOAFC ). BOAFC was then to act as the depositor of all loans into the Trust. This never happened with my loan. According to the promissory note that was endorsed in blank by BOA and then stamped to be credited to the Trust. According to the PSA and the Mortgage Loan Purchase Agreement affiliated with the Trust, BOA has violated the method of transferring my loan into the Trust. Now XXXX XXXX  as Trustee for the REMIC Trust is foreclosing on me and they are using fraudulent documents to show my loan is part of the Trust when it is impossible. My loan would have had to be transferred into the Trust back in XXXX of XXXX, and it never was.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have a rights under 15 USC 1681. 

Equifax is govern by 15 USC 1681 and they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts Accounts : XXXX XXXX XXXX {$560.00} XXXX XXXX XXXX {$790.00} XXXX XXXX XXXX {$850.00} XXXX XXXX XXXX {$850.00}
Product: Debt collection

I notice this company via certified mail. I was never noticed my mail from SUNRISE CREDIT SERVICES who will be responsible parties to this complaint. According to violation of The Privacy Act of 1974 ( 5 U.S.C. 552a ) requires that the following notice be provided to you : The authorities for collecting the requested information from and about you are 421 et seq. Privacy act laws require authorization or no action can be taken. Show all pages of the assignment document that XXXX XXXX sold the account, providing what day it was purchased, how much it purchased for authenticated copies of information that XXXX XXXX XXXX Corporate Office sold this alleged debt?. I deny any and all affiliation between XXXX XXXX XXXX and SUNRISE CREDIT SERVICES Copy of any communication sent to XXXX XXXX before reporting to the credit reporting agency ( ies ) Front and back copy of an authenticated application bearing XXXX XXXX XXXX autograph? Any documentation given by SUNRISE CREDIT SERVICES authority to report on XXXX XXXX XXXX 's consumer credit reports. 

I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties. This looks SUSPICIOUS AND DECEPTIVE ; I demand proof TO SEE valid authorization/proof of alleged debt. Reporting without valid proper disclosure requirements is in direct violation of my consumer rights. I ( name of complainant ) legally requested a description of the details of verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply to these regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ), has been provided. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of Debt Bondage and would like for all listed accounts to be blocked and deleted by Transunion. Please delete the following accounts, names and addresses ; 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: Mortgage

My mortgage servicing was sold on XX/XX/2020 by XXXX, XXXX to PHH Mortgage. I was never informed nor sent any correspondence via mail, email, phone, or fax. I submitted a payment to my previous servicer and unknowingly it was rejected due to the loan being sold. I was never informed and now I'm left to trust a random, and rude, individual from PHH threatening to report me to the credit bureau and possible foreclosure. 

I thought it was my right to be informed of what was going on? I have received nothing from either side.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/17, I received dispute results from Transunion stating that an Account had been verified. On XXXX/XXXX/17, when I mailed my dispute letters, I requested that any account that was deemed VERIFIED needed to be accompanied with written poof from the creditor. I did not received any validation or verification information for this unknown debt. The creditor is listed as XXXX XXXX XXXX XXXX XXXX .
I have no knowledge of this company. I have never entered into any contract nor have I heard of this company.I am requesting the name, address and phone number of whomever at the company verified or validated this information. Also, I would like to see a signed agreement between me and the XXXX XXXX XXXX XXXX XXXX .
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I was searching to get more information on obtaining my VA loan. Through my searching, I ended up calling Veterans United. I entered some basic information for them online, and within minutes received a phone call from them. Prior to this I did not know they were a lending agency, nor did they disclose that with me. I gave them even more personal information and my SSN. At no point, did they say they would be pulling my credit. After the phone call, I was notified through my security apps and credit bureaus that there had been a hard inquiry made on my account from Veterans United. This was all done without my consent or knowledge. I wasn't even interested in finding a lender. Had I known any of the above I would have said no.