23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} ; XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$300.00} ; ( Original CreditoXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$210.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

First Source Advantage LLC continues to call me in attempts to reach someone. I am not the person they are attempting to reach and I've let them know that several times. I've asked for my number to be removed from call lists but it seems as if it hasn't been done. I have notes that I've spoken with XXXX XXXX ( date not recorded ) and XXXX XXXX XXXX ( XX/XX/20 ). Further, when I called their corporate office in NY ( XXXX ) to try and fix this problem, they told me they wouldn't do anything to assist me since it was another office that was contacting me. I found that answer completely lacking in professionalism and had no compassion for a bystander in their company 's practices.
Product: Credit card or prepaid card

i can't get through to close my account. every time i called it say there is a high volume of calls. i've had a different account since XX/XX/2020. the information with the veterans administration is current. i haven't used the direct express account at all. except because my last covid relief payment was sent there instead of my current bank account. since then i have been calling trying to close that account. every time i've called there's the same message. also, when i've tried to transfer the funds to my current account i'm charged a fee to transfer it. it's never transferred. then i'm charged another fee when the funds and credited back to the account. i've had several other previous issues with this company. that, along with the fact that there is no checking, or credit reports issued, is why i changed banks.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was recently informed of negative information reported by Bank of America included in the file XXXX   maintains under my Social Security number. Upon ordering a copy of the report, I found an entry from this bank listing a Suspected Fraud Activity in XX/XX/2017. 
The fraudulent activity happened on my sons minor account which was a joint account to my own. My account was not compromised and this fraudulent report has been added to my XXXX  report and needs to be removed. This inaccurate information is keeping me from obtaining a bank account from other financial institutions as my profile is showing up on their early warning system. 
Please validate this information with Bank of America and provide me with copies of any documentation associated with this " [ item ] '' bearing my signature. In the absence of any such documentation, I ask that this information be immediately deleted from the record you maintain under my Social Security number and provide an updated report. 
For your reference, my personal information is as follows : SSN : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Credit card or prepaid card

I previously filed a complaint with CFPB with Santander ( case XXXX ). They responded on XX/XX/XXXX that they removed me from receiving solicitations in XXXX however this past Saturday ( XX/XX/15 ) I received a solicitation ( attached ) for a credit card from them. They clearly have a suppression problem and are violating Do Not Solicit Laws. This is now becoming harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report on XX/XX/XXXX. I found several errors and items I disagree with. I proceeded to contact TransUnion, XXXX, and XXXX  in writing about these issues in an effort to get them corrected and removed. On XX/XX/XXXX I mailed a written notice to XXXX, TransUnion and XXXX. The following items were not properly investigated, in my opinion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX On XX/XX/XXXX I mailed another letter to Transunion, XXXX and XXXX requesting a re-investigation be done as I believe strongly that if they actually investigated this account, it wouldn't have been able to be verified. On XX/XX/XXXX I contacted XXXX XXXX XXXX XXXX  for which they did not properly investigate the account either. XXXX XXXX  continued to refer to the account as an auto loan when there was no advancement of article or monies ; just as well the agreement states it to be a credit sale in accordance to the retail sales contract. 

I then contacted XXXX  XX/XX/XXXX when they supposedly investigated the account yet deemed it as reporting correctly and then again on XX/XX/XXXX when I noticed more errors regarding account XXXX which I never agreed to. The transaction history shows a new account was open on XX/XX/XXXX although it reporting to XXXX as being opened XX/XX/XXXX. XXXX claims their reporting to be correct yet have not provided an agreement for the alleged account number XXXX nor will they correct or remove their incorrect reporting. 

XXXX has also failed to mark these accounts as in dispute as required by FCRA.
Product: Credit reporting or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX Balance : {$7000.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

A few months ago I learned that I had negative marks on my credit history report. Trying to take actions to resolve these issues I discovered that I have an amount on a internet service with XXXX that wasnt paid. I do not deny this account. However when calling the collection agency to try to pay on this amount they have informed me that I have another amount with the same company. An apparent account was opened only a few months after my original service was discontinued due to non payment. I did not open this account and do not understand why XXXX would even let anyone open an account in my name when my own service was just discontinued bc I owed them money. I have been getting the run around from this collection agency. I paid part of the amount that I did owe XXXX and they have not reported that. Upon checking my credit history it says that I have paid XXXX amount and still owe the full balance. They told me on the phone they will continue to report to anyone checking my credit that I owe the whole sum and have not made any payments until the whole amount is paid in full. I just really feel like I am being bullied by them bc I refused to pay for an account that I did not open with windstream.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm trying to access Equifax. I've signed up to their web site. But system showed me an error about my account after some verification questions. Non of questions were related with me. I have accessed a person by phone to take help ( which was very difficult ) they told me to send some documents as an identification proof. I've sent them 3 weeks ago. Nothing has changed. Later, I've accessed by phone again. They told that they did not receive or they did not start evaluation about my documents. I've learned my Equifax credit reports from an app ( XXXX XXXX ). There are some hard inquiries and I will dispute them. When I start a dispute process on Equifax web site, it warns me that I have an account and I must login. But when I login, system tells to call a number to solve verification problem. Now I'm in a vicious cycle. And Equifax is doing the worst..
Product: Debt collection

XXXX and NCB are both reporting negatively on my credit bureaus for the same account just different amounts. They are either closed or charged off but show a balance. I was told this is considered Double Jeopardy and have attempted to dispute with them through mail and one account has updated the last payment date to this year when the actual last payment was in 2018. North of these accounts are impacting me negatively greatly. Im assuming XXXX is retiring the amount prior to auction and NCB is reporting after auction. Could you please assist?
Product: Debt collection

The debt was never mine but it was charged-off from the company XXXX XXXX XXXX XXXXXXXX XXXX XXXX I disputed this debt for years and then it was charged off. It showed up on mu reports in XXXX. The company sold the debt to this new company LVNV FUNDING LLC and is showing up as of XX/XX/XXXX and XX/XX/XXXX as a new account on my credit reports. This is unfair and has significantly affected my credit score and has caused me not to qualify for dental work that I desperately need. I am getting the runaround and need assistance in clearing my name and getting this off of my reports. I have never conducted business with either of these companies. XXXX XXXX was identity theft and LVNV, I have never dealt with. I thought that under the FCRA negative items including those charged-off must be removed from your credit report after 7 years from the date of delinquency. I was also under the impression that debt can not reappear under a new name after a time and re-aged or reported beyond the legal limit like these companies are doing to me. The charge shows the amount of {$190.00} for both companies. Thank you.
Product: Prepaid card

Bank of America sent a prepaid XXXX card describing a refund from XXXX XXXX XXXX. There was no information about how much was on the card and there was a number to call to get a check issued instead. When i checked the card online, it said it was closed. When I called the phone number to get a check issued, I have been transferred all over and now i am being told that their systems are down? 

These cards are a total scam and should be stopped. The fees to even check the balance are listed. 

Bank of America should be stopped from issuing these.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted CFPB complaint XXXX regarding information being misreported/missing on my XXXX  credit report regarding my US Bank credit card ending in XXXX. 

US Bank sent me a response that they determined an update to XXXX  is appropriate and they have already communicated the correct info to XXXX but so far nothing has reflected on my report even though my other US Bank account has reported since then to XXXX. 

I attempted to contact US Bank regarding this by calling the numbers listed in their response and all I got was front line customer service representatives with limited to no access to such information who kept transferring me from one department to the other.

Attached is a copy of US Bank response to my first complaint from someone named XXXX with the office of the president who promised that the reported information will be corrected but it wasn't and she didn't share her direct contact information to further discuss this leaving me with no option but to submit another complaint. I can be reached by email XXXX and phone XXXX.
Product: Credit reporting or other personal consumer reports

I have unauthorized inquiries on my credit report and I been a victim of identity theft. I sent several dispute letters by certified mail and they have failed to delete this. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

id theft. new inquiries are not mine as folllows XXXX equifax mtg 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

This is a separate case - I have found out that my check was never actually endorsed. Or cleared - Wells Fargo took this money with knowledge and deliberately has kept the money I have since been sent messages that my other accounts had been accidentally Debited for funds never actually endorsed through my accounts and now they are sending checks for these accounts also There is internal fraud at Wells Fargo - take note of this and investigate
Product: Student loan

I believe I was a candidate to be part of a loan forgiveness back in 2005. My loan was transferred to navient and despite the many calls and submission of paperwork showing that I work for a public institution as a XXXX  and now as an XXXX  for the last 20 years I was never granted the opportunity to participate in the loan forgiveness programs.
Product: Mortgage

I have had a VA mortgage with Wells Fargo since XXXX. While speaking to someone at Wells Fargo regarding Covid relief, he was going through his disclosures until he mentioned the type of mortgage that I have ... He stated that I have an FHA mortgage. I told him no, Im a XXXX vet and I have a VA loan. He told me that Wells Fargo changed my loan type. He also stated that Wells Fargo, just this past XXXX, had changed 10s of THOUSANDS of loans from VA to FHA. 
This is not legal. I never signed for nor applied for an FHA loan. I have a copy of my mortgage papers ... the papers verify that I applied for and was approved for a VA LOAN. No bank can change a loan without forging documents and/or forcing a consumer to allpy for something that they do not want. 
I am in possession of the origional VA loan papers.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 168. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Consumer Loan

I made an on line purchase of a class ring in XXXX 2015. The vendor used PayPal as a method of payment. Having purchased several items using PayPal who has my credit card on file there was no problem. After several weeks of not having received the item, I gave the vendor a deadline to have the item delivered or the purchase would be cancelled. The item was not received and there were no charges on my credit card so I assumed to purchase was cancelled. Sometime in XX/XX/XXXX or XX/XX/XXXX I received a bill from Bill Me Later/PayPal for the item. I contacted PayPal and XXXX XXXX and advised them I never opened an account with them and that the purchase in question was to have been placed on my credit card. I requested copies of my loan application, loan contract and disclosures, none of which have been provided. I attempted several more times to obtain documentation, all requests were ignored. I continue to receive statements and now I received a collection letter from a collection agency. This account was and is a fraudulent account not authorized by me and should never have been opened. I advised PayPal that the purchase was cancelled and that they should contact the vendor if they paid him.. The representative told me it was not their responsibility to resolve the issue however it is my understanding that since they did open an account on behalf of PayPal that under the Holder in Due Course Doctrine, they do have a responsibility. Either way, I did not authorize PayPal to open the account and from what I can tell, I am not an isolated incident.
Product: Payday loan, title loan, personal loan, or advance loan

I have been hit with {$74.00} in fees for at least 3 months in a row as money lion has tried forcing these payments on every negative account that is on file. 

MoneyLion was not authorized to draft that account automatically. I previously had used that account to make payments. MoneyLion took the liberty to auto draft that account and has caused me a lot of irreparable damages and fees.

Given that the account drafted was used to make a manual payment I was well within my rights to report these charges as unauthorized to my bank account. I was hoping to have MoneyLion Bring a resolution that wouldn't have me resort to that.

MoneyLion saw it fit to use that account that was specifically used to make a manual payment to auto draft payments when the checking account denied their auto drafts. Conveniently the moment I ended the chat with the agent. The same account gets automatically charged for the same charges that I reached out to MoneyLion to request for them to stop automatically charging as they were not authorized to do so ever.
Product: Mortgage

Issue 1. They wont sent my loan modification application package by mail! I dont have a printer nor scanner!

I prefer mail documents for better proof this company is mistreating me for the last 7 years.

They wont help you so they can earn late fees and other fees! Its not that I cant pay it I just cant pay the full amount since they let it get to behind! Now they put a sale date cause they want me to lose my house! All I want to do a loan modification and move on!! Start fresh after my divorce Issue 2, I still dont get an answer why I cant refinance my house without my XXXX- he has given me all rights! I am the successor in interest the law in XXXX  change says I can be treated like the original borrower I can refinance without him that law doesnt say finance with XXXX! Because of lenders like wellsfargo wont obey the law I have not gotten answer to why not other then he still has to sign But no explanation and they put a sale date on my house! The ex remarried and moved on and his new wife wont let me talk to him She wants me yo lose my house!! There has to be a solution to this problems!! Any lawyers out there? Proof on. Tv, news about this lender mistreating owners like me has been submitted
Product: Checking or savings account

on XXXX/XXXX/2017 i had went back to TD bank and asked them what i can do to receive a refund in the total amount of {$1600.00} and TD Bank Said there is nothing they could since it has been over a year even when went back in XXXX of last year they said the same thing
Product: Checking or savings account

On XX/XX/XXXX at roughly XXXX, I accidentally left my phone and wallet in an XXXX. When I realized my mistake, I could not contact the XXXX driver because my phone was still in his car. A few hours later I began receiving emails concerning suspicious activity on all of my credit card and debit accounts that I was able to view with my home computer. I froze whatever I could through my laptop, but could not call in to report the calls until Monday morning by using a coworkers phone at XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, TN XXXX ). All of my credit card disputes were approved relatively quickly, but the fraud division of Chase handling my checking account/debit card dispute denied my claim. They denied it on the basis that I stated I had not written the pin number on the card, but the thief was able to withdraw money without entering an incorrect pin number. 
This was a brand new card, I opened the account with them and set up direct deposit because of a promotion that earned me {$300.00} for doing so. I had only used the account on XX/XX/XXXX to pay rent, pay a portion of my Chase credit card, and withdraw {$20.00} with a {$2.00} withdrawal fee. I do not recall setting up a pin with this card because I only used it once, but if I had set up a pin, it would have been XXXX. This number is present in my email address ( admittedly a poor decision on my part ) and the thief had access to my phone which had my email logged into it. This is my best guess at how they could access my checking account via my debit card. They withdrew roughly {$1000.00} while I had roughly {$1400.00} total in the account intended to cover an upcoming rent charge ( about {$1300.00} ) and when the rent charge went through on XX/XX/XXXX, it over-drafted my account. The rent money was returned by my apartment with the exception of a {$35.00} insufficient fund return fee, but my account was only returned to positive {$550.00} ( {$200.00} difference between my rent charge and the money they withdrew plus {$300.00} from the account opening incentive bonus ). I arrived at work on Monday, XX/XX/XXXX at XXXX Central Time while I was still receiving emails from chase that my account had been overdrafted just an hour before at XXXX Central Time and other credit cards of mine that were stolen in the same wallet were showing activity out of state ( Indiana , Wisconsin ) while I was badged in to the gated property I work at ( XXXX , XXXX XXXX XXXX XXXX , Tn XXXX ). 

Chase Claim Numbers : XXXX XXXX To summarize : The Chase Fraud Department associated with personal checking accounts denied my fraud claims associated with my now closed chase checking acount ( ending in XXXX ) resulting in me losing roughly {$1000.00}. 

Note : In the email i included entitled " Phone Claim, '' it addresses me as XXXX. This is because I am on my family 's phone plan, and the XXXX account and insurance is in my father XXXX 's name. I am including this to prove that my phone was stolen and that I used insurance to replace it.
Product: Checking or savings account

I was supposed to receive a deposit of {$2700.00} on XX/XX/XXXX I realized I put in the incorrect direct deposit information. When I called my bank they assured me that if the name on the account didnt match then my funds would be reversed to the sender. I patiently waited when I called the sender I then found out that the funds were never reversed. I called my bank they began to give me the run around and theres no way that they can transfer or even reverse the funds so that it could be deposited into the correct account. I am underemployed my job wont give me more hours so I need my funds
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft and some of my accounts were compromised. After finding out about this, I immediately reported the concern to the credit bureaus. Some of the accounts on my reports are not even mine, some were used fraudulently causing unauthorized charges and negative remarks on my reports. 

Please delete this account and hard inquiry, they are fraud and not mine : XXXX XXXX XXXX - XXXX - XX/XX/XXXX. 

XXXX inquiry : XXXX XXXX XXXX XXXX  These accounts were compromised and are reporting late because of unauthorized charges. I need your help in removing the negative remarks on the account due to identity theft. The compromised accounts are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I have attached my generated FTC from http : //reportfraud.ftc.gov/ as instructed by the bureaus. I have also included here my ID, social security card, and proof of address.