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

URGENT - Mistake made on CFPB Complaint # XXXX, regarding NAME - - Please DISREGARD this part of the complaint for both TransUnion and XXXX. 

The rest of the complaint regarding " ACCOUNT CLOSED BY CUSTOMER '' remains a concern and may go forward.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account do not belong to me i never had a contract with this company please remove this account .Also my rights are being violated 15 U.S.C 1681 section 602 A. states I have a right to privacy. 15 U.S.C 1681 section 604 A. also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692 C without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction a debt collector may not communicate with a consumer in connection with the collection of any debt. company name : XXXX XXXX XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/2001 Blance claim {$660.00}. I have no knowledge of this please remove immediately. Thank You sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C. 1681c-2 and to request that this information be blocked. I have enclosed a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim.

Under 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 

The following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX - XXXX As required by 15 U.S.C. 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point I may request an extension of the block. During the block, you may not report or no longer contains any fraudulent information.

Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children. These collections / charge off were eliminated and not verified by others bureaus. I dont understand how they usually say that these accounts are mine.

I have requested contracts from this company with my information and for more than 60 days have not received any response from them. Please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation.

Thank you.
Product: Checking or savings account

In all the documents I showed time stamps of when the fraud occurred, actions taken at that time and the location of where the purchases occurred. You can see multiple new device log in information from someone with and XXXX in XXXX. They changed both my password, pin and added my payment info to different wallets and emptied all 3 of my accounts within 30 minutes. The person who called me said they were with Chime, even the same customer service number displayed on the caller ID. " XXXX '' The password and new pin were provided to me when I noticed something wrong, upon checking my account 8 transactions of the same dollar amounts empting everything I had. I then called the Chime number back XXXX and the new rep I spoke with had no idea what I was talking about. This is fraud!! Chime has denied my request to reverse the charges stating no error had occurred even with proof provided.
Product: Credit reporting

I have XXXX medical bills on transunion and XXXX progressive accounts all in collections that were ALL removed and now they are back on my report. I do n't owe progressive anything and I have medicade so the medical bills should have been billed to medicade not me. Also transunion and XXXX do not show all of my good accounts and refuse to add them. XXXX has refused to remove any of the medical bills they show. the only report that is correct is XXXX. They removed all of the fraudelent accounts from my idenity theft all of the medical bills and they show all of my good accounts. I am so aggervated with fighting with XXXX and transunion to fix my reports. I want to buy a house and this is making it impossible. Can you please help me?
Product: Checking or savings account

Upon calling today to verify a fee reversal that could not take place until a merchant refunded funds ; I spoke with an agent who alleged i could not get any fee reversals for courtesy and that a supervisor would be calling to check the call i made when i spoke with a representative and then calling me back in an hour. The supervisor never called back and finally I went into a branch to address the issue and at the time i was able to call in and have the customer service people fix the issue. I got a call appx XXXX XXXX. from some XXXX rude lady who claimed to me a supervisor from XXXX who pretty much accused me of lying and begin to rant at me. When I asked her what her name was she refused to give me her name and told me since I didnt want her to help me she just flat out was going to give her name to me as she claimed to be a supervisor, I informed her that I would be closing the account as so I would not have to deal with this type of issue again. She made up some rule that i could not have any fee credits for the rest of the year. she was the XXXX  most incompetent horrible person I've ever had to deal with from fifth third bank. I will be closing this account as soon as the last two transactions on this account post hopefully by tomorrow. Ridiculous XXXX customer service from a representative at number XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting a balance of {$20000.00} for a debt that I DO NOT owe. It is possible that another family member could be responsible for this debt.

I have been trying to dispute this with them and the 3 major credit bureaus for over a year now with zero success.

This company is currently undergoing a class action lawsuit for violating Minnesota state laws and various other lawsuits for unethical and illegal practices.
Product: Credit card or prepaid card

I noticed a transaction on my XXXX account that I never authorized nor stayed at the hotel as indicated in the reservation. I contacted my bank ( TD Bank ) who has started an investigation of this transaction. I contacted the XXXX Fraud Department. My phone call was never returned. Please reference XXXX confirmation number XXXX Also reference XXXX itinerary number XXXX. 

I also contacted the hotel in question. The manager at this hotel was not helpful.
Product: Mortgage

Select Portfolio Servicing, Inc has fraudulently forced my home into foreclosure. Based upon my payment history every payment has been made timely and in full. Per my prior complaints SPS had stated that payment XX/XX/2022 was never received yet in the response I received it clearly states that the payment for XX/XX/2022 was received and never applied. 
I am seeking full loan dismissal based upon the complete and knowledgeable fraud of this loan. SPS has the means to bare down to cover up this effort to cause me financial harm and loss of my home.
Product: Payday loan, title loan, or personal loan

I emailed cashnetusa to remove my financial information from their database because they no longer offer LOANS in California. I have not heard from them, so I am filing a complaint. I do not feel my financial information is safe at their website. They have changed my Loan ID XXXX to Payday Loan ID XXXX this is dangerous I do not want to be a victim of identity thief like I was in 2016. This is a serious matter their website could become HACKED, and my financial information will be compromised.
Product: Credit reporting or other personal consumer reports

I Pulled my credit reports and noticed several unauthorized hard inquiries on each of my credit reports. 18 USC 1028A provides that aggravated identity theft occurs when a person commits a crime and also " knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person ''. Please remove all unauthorized inquiries from each of my credit reports including Transition, XXXX and XXXX. Each unauthorized hard inquiry is listed in the attached FTC Identity theft report which was filed on XX/XX/year>. Please send me a copy of my updated Credit reports once these unauthorized hard inquiries have been permanently removed. Please see attached FTC identity theft report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is an on-going issue that's been going on since XX/XX/2018, under Certified Mail # XXXX when the respondent received my complaint ( Exhibit A " Letter to Update Information XXXX ( Official ) '' ). Experian has ignored my request and continues to leave variations of my name and old addresses that I've asked them to remove ( Complaint because of past legal problems I've experienced with old addresses. They continue to report that information even though legally, they have a responsibility to remove what I ask them to. The report belongs to me so I get to dictate how I want all my personal information is reported! They are openly violating Fair Debt Collection Practices Act 807 ( 8 ) and Fair Credit Reporting Act 623 ( a ) ( 3 ). Attached is their most recent credit report still showing the variations of my name and old addresses showing.
Product: Debt collection

In 2019 when I was applying for the XXXX XXXX XXXX XXXX  the website was hacked and my information was stolen. Shortly after many accounts starting being placed in my name using the information that was stolen.
Product: Credit card or prepaid card

I write to share a bad experience I had with Bank of America several days ago. 
On Sunday XXXX XXXX at around XXXX I called Bank of America to make a payment on my credit card as I do every month. A payment of {$500.00} was made on an account with a remaining balance of {$5400.00} and a credit line of {$31000.00}. Several hours later I checked my email and saw that my transaction confirmation was received, and was incorrect. BoA 's automated system had mistakenly charged my account the entire balance of {$5400.00}, not the {$500.00} payment I had requested. Immediately I called BOA to apprise the bank of its error. It took nearly 30 minutes to be connected to someone, a real person, to explain the situation and ask to have it corrected. That person was a supervisor, XXXX # XXXX. Despite my protest and request that the tape be played to ascertain if I was correct about the amount to be paid, I was repeatedly told nothing could be done for 48 hours. That was the system and it could not be altered, I was told quite emphatically.

Yesterday, 48 hours later, I called the bank 's credit card division to get the error corrected. After 20 minutes of trying to follow-up and find a person to deal with, I connected with XXXX. I explained the situation. The tape of the original call from 2 days earlier must have confirmed the bank 's error. I was told that {$5400.00} would be returned to my ( checking ) account within 10 business days. Again I protested : why not wire the funds into my account immediately. No it can't be done that way I was told, and no apology for the error was received. ( Had the situation be reversed, I would have been charged a large penalty for my error. ) Fortunately, I had adequate funds to cover the withdrawal. Had that not been the case, a troubling series of events would have occurred. Although I've paid my account this way -- through the automated XXXX XXXX XXXX for decades, it was the first time an error was ever made involving my account. Nonetheless, I still wonder how often this exact situation occurs with other BOA customers. I suggest the CFPB check around to ascertain how widespread a problem it is, if it's a problem at all, as any snowball effects could damage someone's credit. Further, I ask that you checkout BOA 's automated phone system and try to connect with someone. Good luck, it's a challenge. 
PS. I intend to sent this same email to BOA CEO XXXX XXXX.
Product: Money transfer, virtual currency, or money service

Dear Paypal my Complaint is regarding difficulty in withdrawing my remaining account balance. I request the ability to initiate a transfer of my remaining account balance thru a BANK CHEQUE under my Paypal business name and under my Paypal Business Address, please ( and NOT via Bank Transfer withdrawal ), Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

As previously stated, I am a victim of identity theft. I am NOT a credit repair company or credit repair person.
Product: Payday loan, title loan, or personal loan

I applied for online installment loan with Ace Cash Express. They said they had to verify account. They deposited {$790.00} I was told to return {$790.00}. Then to better my credit score they deposited {$970.00} & {$990.00}. Again I was told to return it. I did. Then I learned that all the deposits they did were bogus per XXXX  XXXX  and didn't go thru. Not only am I out what I sent back, also out the deposited money. 
I spoke to XXXX XXXX and XXXX XXXX. I have all contact numbers, copies of transactions and bank has copies of bogus deposits. 
I also made a police report # XXXX This are 2 of of some of the texts I was sent : " Ace cash express Hello, Loan ID : XXXX Loan amount : - $ XXXX  Monthly payment : - {$220.00} Loan term : - 24 month if you are looking for this loan call us as soon as possible. Before your loan application expire. 
call at : XXXX Regards XXXX XXXX '' `` XXXX Regards.XXXX? 


Hi this is XXXX XXXX. On your words we deposit the credit amount in your account and this amount will availible in yoir account at XXXX. 
Regards XXXX  '' Unable to get download of the deposits, but bank has them
Product: Checking or savings account

Since XX/XX/XXXX I was a victim of a scammer who lied about their identity and tricked me into sending money to them. I have since found out that I was a victim of a scammer. One scammer stole {$5900.00} or thereabouts and then I went to who I thought was the real person and the other scammer took over {$320.00} from my bank account through XXXX and convinced me to get gift cards because I stupidly believed they were who they said they were! I reported it to the police when I found out that they proceeded to steal XXXX XXXX in two separate unauthorized withdrawals by wire from my account. I contacted the Fraud department at Bank of America and the local police department in XXXX XXXX XXXX. I gave them the proof of the scam and all the contact info. NOTHING has been done on most of it to my knowledge-no information was found. The debit fraud was closed and deemed NOT fraud just this morning ( why I called for a med increase as my anxiety shot through the roof )!!!! I signed affidavits in the beginning. Now that money ( {$320.00} approx ) is back as a negative in that account at Bank of America. Regarding the XXXX XXXXXXXX from the wire fraud-I found out that the person ( XXXX XXXX XXXX XXXX XXXX XXXX has closed his account and ran off with the money. My money was taken from me through lies and deceit leaving me literally penniless and my mental health suffered dramatically! I was on suicide watch and I just had my medication increased this morning. Please help me ; for I see a world where thieves and scammers are getting away with this as my family and those I care for are suffering! I put my house on the market because it ruined me and I can't bounce back. I have also been the victim of incredible damage to my home from XXXX XXXX. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and the creditors below has fraudulent accounts on my credit profile that needs to be remove immediately ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I went to a atm in XXXX and the machine didn't give me the money I request. It stated that the machine was out of money. I called Child support XXXX card XXXX. I advised them of the problem. The customer service rep stated that they were going to mail me out a fraud investigating form which I had to sign and send back ... Calling every day since XXXX no resolution was ever offered to me.. Finally XX/XX/XXXX comes around and I received a emailed stated that a credit was applied to my account of XXXX which was the amount of the atm miss dispend. XX/XX/XXXX I received a letter from XXXX card stated that the investigation was completed and the credit would be permanent. XX/XX/XXXX comes around they took the credit back for no reason. I have call the company on several occasions however it is XXXX now and my issue is still not resolved. All the company keep saying is we are investigation and fill out a ticket for this to be reviewed. I just want my money back. Its been 3 months.
Product: Debt collection

Receivables Performance Management LLC notified me of a debt of XXXX $ that the original creditor denies, I then informed RPM on XX/XX/22 that I dispute the debt and to please provide verification of debt. as of XX/XX/22 they have failed to verify debt and have continued to send an attempt to collect the debt dated XX/XX/22
Product: Debt collection

Commonwealth financial is not at all professional and are harassing in violation. 

This debt was discharged as being invalid on at least one bureau and is under investigation as well. I am being harassed when I have requested not to be contacted. Additionally the number they are calling is not my own and the owner has requested no further communication yet the representatives antagonize her, make odd statements in singsong voices and continue to call and harass, even outside of allowed hours. This number should be removed.
Product: Debt collection

I was served a summons today to be sued from Automated Accounts, XXXX XXXX XXXX. I had a credit repair company I had been working with to help repair my debts owed and this company would not participate. I tried and I am now being sued with my XXXX in XXXX   and not being able to work, my health is poor and I am now becoming more stressed as I had tried to eliminate a debt the best I could. I live on XXXX  social security and XXXX I have a hardship case at this point in my life and the amount is {$8200.00} and {$210.00} interest. I need help to resolve this, I turned the car back to XXXX XXXX XXXX XXXX in XXXX. I couldn't work anymore and had to give the car back due to my health issue that have exacerbated through all this harassment, especially after not working with the credit repair people, XXXX XXXX XXXX who was working with my accounts owed and now suing me for attorney fees etc. please help me. This is the district court in XXXX  wa, sincerely
Product: Mortgage

A loan modification package has been submitted to the lender for loan modification review/assistance - the lender has refused to postpone sale set for XXXX/XXXX/17 to allow the review to take place.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized inquiries by 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: Money transfer, virtual currency, or money service

It was a while ago but only cash app prevented me to stop from the scam it was like XX/XX/XXXX and they had made me send XXXX dollars. But they told me to XXXX it to a number and they got it and I never got it back and it was thru XXXX in 2024
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. I was going through my records & noticed many ACCOUNTS 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 accounts do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these accounts as soon as possible. 
XXXX XXXX XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$3200.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2100.00} XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX. ) XXXX Balance : {$1900.00} XXXX XXXX ( Original Creditor : MEDICAL ) XXXX Balance : {$230.00}
Product: Credit reporting

One month ago, I lost my credit cards while traveling on business. I called all my creditors and cards were reissued. XXXX XXXX is the only account I have a big problem with. At XXXX XXXX recommendation, I made a payment of approximately {$2400.00} on my XXXX XXXX account. However, they posted the payment to the former account number that was closed, showing a minus {$3000.00} balance. The new account showed a positive {$4000.00} balance. They did not reconcile the accounts. They twice faxed at my request to explain the situation. Due to improper coding, my loan will not be approved. I need help! 

In my lengthy loan application with XXXX XXXX, I have now just learned that they can not move forward because a creditor, XXXX XXXX, has mistakenly coded my account. Using a third party to review the credit worthiness of applications, XXXX XXXX Rep Bill XXXX has told me that " the client needs to reach out to the creditor to explain why they ca n't correct the billing. '' XXXX reported yesterday, " Just heard back from XXXX. I asked them to provide more info about the lost or stolen that they are stating is on this account. I told them that we were working on a report pulled XX/XX/2016 and at that time this account was no reporting as lost or stolen. This is what they said : XXXX - Please be advised that we only have the date of the last reported by the creditor to us : XXXX/XXXX/2016 and you will have the consumer to contact the creditor to get more information. Also, this is the information that we have for this type of accounts : Lost or XXXX accounts do not show neither balance nor late payments and are automatically closed. '' Says XXXX XXXX at XXXX XXXX, " So basically, because its been coded like that, they are n't able to move work on it. '' I do n't know what this means. Except, that I can not obtain approval for my refinance request because XXXX XXXX has improperly coded their reporting. 

XXXX month ago, I lost my credit cards while traveling on business. I called all my creditors and cards were reissued. XXXX XXXX is the only account I have a big problem with. At XXXX XXXX recommendation, I made a payment of approximately {$2400.00} on my XXXX XXXX account. However, they posted the payment to the former account number that was closed, showing a minus {$3000.00} balance. The new account showed a positive {$4000.00} balance. They did not reconcile the accounts. They twice faxed at my request to explain the situation. Due to improper coding, my loan will not be approved. I need help! 

XXXX XXXX, Solution Consultant at XXXX XXXX can be reached at XXXX, fax XXXX, email XXXX XXXXXXXXXXXX. 

Please help me!
Product: Checking or savings account

On XXXX XXXX withdraws were attempted at ATM ( XXXX ) @ XXXX XXXX XXXX for XXXX XXXX XXXX for XXXX XXXX XXXX ( XXXX XXXX ) XXXX would not give the money from the ATM. This happened before and the XXXX XXXX card worked successfully mins later at XXXX and I think XXXX 's. The first time I did this I reset all the pins to insure that they were the correct pin number and I have not changed the pins since.