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

Im writing to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account 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 is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Balance {$2200.00} INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX EXPERIAN COLLECTION : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Balance {$2200.00} XXXX XXXX Original Creditor : XXXX XXXX ) Balance {$4300.00} INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) Balance {$4300.00} INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX # XXXX XX/XX/XXXX
Product: Debt collection

Your company is reporting this account as opened in XX/XX/XXXX. This account was closed back in XX/XX/XXXX. You keep selling to other companies and restarting the open date to stay on my credit report. Please send verification showing that your dates are correct. 
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Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed I had two late payments on an account I was never late for. Consumer reporting agencies have assumed a vital role and are responsible for reporting consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts, so I have included screenshots inside this complaint for XXXX XXXX in XXXX and XX/XX/year>. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided, I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late. Thanks! Please see the screenshot attached :
Product: Money transfer, virtual currency, or money service

Hi, On XX/XX/2021, I did an international wire transfer to a supplier in XXXX through the wire transfer system Chase Bank offers through their online platform. The amount has been debited from my account, but the money hasn't been received by the recipient. I submitted a claim through the Chase portal and I haven't received any communication from them and it's been already more than 1 week. 

I called customer service and they said it should be completed and there's no guarantee they can recover the money if it didn't arrive at the recipient. I filled a claim through their secure message system and nothing, it's just like they don't care! 

The amount of the wire transfer is USD XXXX which is the equivalent to XXXX XXXX pesos. 

Sender Bank : Chase Bank Recipient Bank : XXXX ( XXXX )
Product: Vehicle loan or lease

I purchased this vehicle on XX/XX/XXXX, with a downpayment of {$9000.00}. Then on XX/XX/XXXX, XXXX of XXXX dealership located at XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX forged my signature on a retail installment contract and extended service agreements with XXXX XXXX for a total sales price of {$41000.00} ( includes an Extended Service Agreement for {$4200.00} and XXXX XXXX XXXX XXXX for {$1600.00} ) for a XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX and submitted it to Truist Bank. I never authorized XXXX to submit any loan applications. 

On XX/XX/XXXX, I returned to the dealership to inquire about the XXXX  XXXX contract since XXXX XXXX confirmed that they did not have a record of it, give back the vehicle and receive a refund however XXXX refused. My daughter and I have been approached by XXXX  XXXX, XXXX XXXX, XXXX, with a settlement agreement that would absolve both the dealership and Truist of any wrongdoing, including that we sign NDAs/releases, withdraw complaints, return the vehicle, and transfer the vehicle title urging us to comply by XX/XX/XXXX. 

On XX/XX/XXXX, Truist informed me by phone that on XX/XX/XXXX, that XXXX stated that I signed the contracts. However, we have been reporting this as fraud through multiple phone conversations with Truist and certified mail. 

It is my understanding that fraud/forgery is a crime, a violation of the Penal Code. I seek your guidance and assistance in ensuring that my rights are protected and holding the responsible parties accountable for their actions. Please let me know if any further information or documentation is required to support and resolve this issue. 

Thank you for your time and consideration.
Product: Credit reporting

My complaint is as follows ; In XXXX years of life I have never paid a single dime in interest on any credit cards. I have owned my home for 32 years, purchase in XX/XX/XXXX with a 30 year mtg, refinanced in XX/XX/XXXX with a 20 year mtg and then paid off the mtg about years early. I have purchased at least XXXX brand new cars over the years for cash, leased XXXX others and purchased XXXX others with partial loans, all paid off early or in one case on time. I have financed XXXX my children 's college educations over the last XXXX years without any subsidies or loans of any kind, not a single dime owed by me or my children. All of my credit card bills are paid in full each month, no interest ever paid. The only blemish is for a {$15.00} fee with one of my banks paid late which is now in dispute with EXPERIAN. This blemish has already been removed from the banks records according to the bank. This past week I attempted to rent an apartment for my daughter at near new college as she will now be completing her XXXX Degree. I have been denied this apartment because I was told that my credit score was under XXXX. 
I checked on EXPERIAN 'S website and this information appears correct. My Complaint is XXXX fold. One, I think that that the way they have computed my score is wrong. When I called EXPERIAN today and called them on how they computed my score I was told there is some computer algorithm that computes the score. My second complaint is how on this EARTH can I have such an appallingly low credit score based on the information I have provided you and it is my opinion that the way they determine these scores is somehow corrupted. If you agree with my complaint and will go forward I will provide any information you need to support the basis of my complaint, which in fact EXPERIAN should have anyway.
Product: Debt collection

On XX/XX/2020 funds were garnished out of my bank accounts totaling {$1500.00}. The bank also imposed a {$120.00} legal fee. The funds that were garnished were unemployment funds that I transferred from my checking into my savings account which I have attached. I have also attached supporting documents showing that I was receiving unemployment from XXXX. I also have supporting documents showing I filed an exemption with the clerk of courts. I also never received any prior correspondence from Citizens Bank, N.A., XXXX RBS Citizens, N.A XXXX prior to garnishment.
Product: Credit reporting or other personal consumer reports

Hi, Between the months of XXXX of XXXX i fell into a hardship where i was having difficulty paying my mortgage for one month, i called and spoke to a rep at va housing and he placed me on a payment arrangement where my monthly payment would be broken into 6 payments added onto my mortgage and that my payment would not be XXXX anymore, it would now be XXXX $ monthly for six months and my new due date would be the XXXX of each month. 

I started the plan immediately after i was told this and so i started paying every month on the XXXX. In XXXX when i went to pay my bill i was told that i did not owe a mortgage because i paid twice in XX/XX/XXXX. I called back that same day to speak with someone else to make sure what i was hearing was correct and i was told this information again. ( XX/XX/XXXX ) .. that i didn't owe a payment until XX/XX/XXXX because i paid twice in XXXX. 

I proceeded to pay XXXX and XXXX on XXXX of those months and now VA housing is telling me that they made an error and i did not pay twice in XXXX so now I still have one more payment of the XXXX to pay now and XXXX payment as well, bringing my total for XX/XX/XXXX XXXX In addition to this my credit score has been butchered because they are reporting me 60 days late every month since the plan started and i would never agree to a plan that reports me 60 days late on my credit report until the plan is completed.. Also I've stated i don't have this large payment I am being offered to be put on this payment arrangement again and I declined it. 

They gave me incorrect information and caused me to go delinquent again, although I've lost about XXXX of my credit score throughout the duration of this arrangement i am asking that VA housing removed the late payments off of my credit report.. they are refusing to do so. My payment plans due date has been the XXXX throughout this process, im not sure why im being reported 60 days late 7 times on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian continues to report delinquencies for XXXX account XXXX through XX/XX/XXXX even though the account was forgiven in full with a XXXX and reported as income to the IRS in XX/XX/XXXX, income which I subsequently was required to include with my taxable income on my XX/XX/XXXX tax filing. They correctly report the balance as XXXX, but report delinquent payment history for each month through XX/XX/XXXX. This is not only misleading ( reporting the payment history as delinquent implies a balance is due ) but damages my credit in a way that is preventing me from obtaining necessary financing.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account for Barclays showing opened in 2020 on my credit report. I have no knowledge of this account nor have I opened any accounts in 2020  on my credit. The next step will be filing a police report for fraudulent activity and identity theft if this can not be resolved
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed a copy of my credit report and Capital One ran an unauthorized credit inquiry on me on XX/XX/2022. 

Recently my personal information was stolen out of my computer by some scammers. 

The credit check was not authorized neither was it performed with my intelligence. 



I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact CAPITAL ONE and investigate such occurrence.
Product: Credit reporting or other personal consumer reports

I always ensure my payments are made on time. I am certain of this. What I am unsure about is why this company is reporting me as late in certain months, which should not happen. According to USC 1666b, any billing errors should be corrected, or they will owe me {$1000.00} for each account reporting inaccurately.
Product: Credit reporting or other personal consumer reports

Dear Sir or Madam : I am writing to dispute a fraudulent account on my credit report in the amount ( s ) of {$500.00} ( XXXX and {$820.00} XXXXXXXX XXXX XXXX I am a victim of identity theft, and I did not make these charges. I request that you remove the fraudulent account and any related finance charges and other charges from my account, send me an updated and accurate statement, and close these accounts. I also request that you cease reporting the inaccurate information to all of the nationwide credit reporting agencies ( CRAs ) to which you provided it. 

Enclosed is a copy of my Identity Theft Report supporting my position and a copy of my credit report showing the fraudulent items related to your company resulting from identity theft. I have already contacted the companies that issued these accounts, and as part of the process, I am reaching out to you kindly asking for these accounts to be removed immediately. Attached is a copy of my Notice to Furnishers issued by the Federal Trade Commission, which details your responsibilities under the Fair Credit Reporting Act as an information furnisher to CRAs. The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may result from identity theft. Those responsibilities include ceasing to provide inaccurate information to CRAs and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection. 

Please investigate this matter and send me a written explanation of your findings and actions.
Product: Debt collection

A company called Radius Global Solutions contacted me about a debt from XXXX XXXX of XXXX on XX/XX/2021. I called the number and they said they contacted the wrong person but I gave them the last 4 of my social. The number listed was XXXX
Product: Mortgage

On XX/XX/XXXX I got a call from my XXXX XXXX my mortgage company saying that the call was concerning about my payment that I was behind 3 months, I told the lady that that was impossible because I send {$9300.00} on XX/XX/XXXX and the check already clear the bank on XX/XX/XXXX. She ask me to provided copy of the bank statement and I complied with their request. 
The next day I got a call from XXXX XXXX  and they thank me for sending the bank information. 

They notice that the check was paid by XXXX  XXXX XXXX on XX/XX/XXXX to SPS ( Select Porfolio Servicing ) Select Porfolio Servicing is my second mortgage company. 

I call Select Portfolio Servicing on XX/XX/XXXX and told them about the mistake I made that I sent a check payable to XXXX XXXX  with XXXX  account number in memo and SELECT PORFOLIO cash the check and never give me any credit. I ask to please return the money because i was facing foreclosure and the response was it will take 30 days for them to investigate. I told the lady that I am not on the position of waiting 30 days. She told me I am the one who make the mistake not then and they have rules to fallow. 

On XX/XX/XXXX I when to XXXX XXXX XXXX to found out why they paid a check for {$9300.00} to a different entity and they did and investigation and on XX/XX/XXXX the bank give me a temporary credit for {$9300.00} then on XX/XX/XXXX i got a letter from XXXX  XXXX XXXX stating. Unfortunately, we are unable to approve your recent claim because The merchant 's bank provided documentation showing proof of my authorization. XXXX  XXXX XXXX recommendation is for me to contact the mortgage company direct. 
I contact SELET PORFOLIO on XX/XX/XXXX and they told me that on XX/XX/XXXX they overnight via XXXX  a check for {$9300.00} they can't provided me with a tracking # today XX/XX/XXXX check never got here. Can I get help on my situation. now if I don't paid my mortgage at XXXX they are sending paper for foreclosure on XX/XX/XXXX. XXXX  in helping us but everything has a limited. Thank you
Product: Credit reporting or other personal consumer reports

I dispute the following information that still appears on my Experian report as of XX/XX/XXXX : which is previously disputed for inaccuracy reporting. On XX/XX/XXXX and XX/XX/XXXX. 
XXXX XXXX XXXX loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I advised Experian that this is my THIRD WRITTEN REQUEST asking to remove or delete unverified inaccurate account listed above. 

I also notify Experian that I have reach out to the company and provided proof of my conversation that there is no account of the information that's being report which is associated with my personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

A request to remove incorrect late payments on XXXX XXXX XXXX, XXXX XXXX, XXXX, and XXXX XXXX has been ignored. After reaching out to each company showing the payments and on the correct day and time they noticed their mistake but have yet to remove late payments. 
Contacted each company XX/XX/2020, XX/XX/2020, XX/XX/2020. 

XXXX XXXX acct # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX
Product: Checking or savings account

On XX/XX/ I made XXXX debit transactions and accessed my Found Banking app to check my balance. My account was then frozen for unusual activity. The debit charges were for {$43.00} and {$10.00}. I have routinely used this account in this manner. 

The application wants me to verify my identity and I can not get the app to work with my device. 

This is my business account and I do not have access to my funds despite sending the requested documents as attachments to the representative via email. 

It takes hours to days to get a response and they had no one to assist me over the weekend. At this time they are refusing me access to my account thus freezing the commerce of my small business. 

I can forward the email thread at your direction to give you a clear understanding of the conversation, dates and times.
Product: Credit reporting or other personal consumer reports

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after XXXX  days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within XXXX  days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, XXXX, and Transunion XXXX XXXX, which raises concerns about the security of my personal data.
Product: Checking or savings account

I have been banking with Truist for over a year now. This is the second or fourth time this has happened. I've had issues with them and handling my money and assets. I went into the local bank and spoke with the bankers no justice. I disputed the charges and they investigated and they sent me a letter from the Truist Enterprise Fraud Management and the letter states are unable to credit my money back to my account. We have problem. The amount that was unauthorized from my account was XXXX. I am definitely going to contact some legal advice.
Product: Checking or savings account

There would and still is times where pending transactions wont reflect when transaction occured, leaving the balance at an incorrect balance. When you think you have the money and a third party tries to take their cut its an overdraft fee or returned check fee what they call it. I dont have dates because they can delete anything on the message side that wouldve provided all the dates and items. I have a problem with a auto loan where i have a e-promissory note for the vehicle i currently have but everything is different on there and it doesnt reflect whats on the app/website that ive been paying. I never knew that if you go inside the bank to get a loan that it doesnt transfer that e-promissory note online to connect with your account. All of my car 's info is on the promisssory note but an associate said that had been cancelled but it doesnt say canceled on it, it says approved but they sent me another one reflecting everything ive been paying from start so thats very confusing! I dont like that they've deleted all my messages from years ago where ive said something about returned check fees some that were mistakes on their behalf, and some really due to insuffient funds. Nobody really knows whats sitting in their bank account when they have a XXXX things pending to take so the balance they say at the top of the account is never really correct unless you dont spend anything. I have returned some merchandise from a retailer, and all the items are pending to post in the account as neg. transaction and then they have the same amounts as pos. pending in the account. very confusing when it should just say positive ( youre getting this money back into your account ) not take away then add.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove any account that was opened without my knowledge, consent, or authority within XXXX business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violates the Cosumer Financial Protection Act ( CFPA ). Specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution and process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial lost and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth 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 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 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: Debt collection

I requested confirmation on the debt when XXXX XXXX XXXX called me. They sent the information, however, they have no standing to collect the debt. No where in the contract does it say that it can be collected by a third party. In-fact the contract at page XXXX which is attached specifically states that " WE MAY REPORT ANY INFORMATION ABOUT ANY LOAN WITH US TO CREDIT BUREAUS. '' " We '' being Speedy Cash and not XXXX XXXX XXXX. XXXX XXXX XXXX nor any collection agency are listed in the contract and thus must remove this from ALL of my credit reports immediately and cease contacting me.