23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

To All party involve XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, Texas XXXX TransUnion Consumer Solutions, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 

PLEASE UPDATE MY CELL PHONE NUMBER TO MY FRAUD ALLERT XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOBXX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 

XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX ACC # XXXX XXXX ACC # XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blocking fraudulent information from appearing in victims ' credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOBXX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Product: Checking or savings account

On XX/XX/year> I received a phone from my back well I thought it was my bank but it was from the scammers. let me start from the beginning I received a text message stating if I cash app {$500.00} to a person that I did not know and the text came from my bank again I thought it was my bank then I received a another text message asking if I tried to change my password to my online account at that time I decided to call my bank but my bank called me instead so I was excited that by bank was already on it so I gave all my information to the person on the phone who I thought was calling from the bank she asked all the question my bank would ask and she told me that someone was trying to access my online banking and she was going to help me change my password and also lock my card so the person could no long get into my account but the hold time she was the scammer that was going into my account at that point she told she going to transfer me to the fraud department so the can assist me as I was talking to guy he told that they were able to access my account already and they had already transfer my money via XXXX XXXX  so he was going to reverse the payment but he was actually transferring the money to his XXXX XXXX. So my bank is stating because I approved the transaction they are not able to give me be back my money even after they told me that this type of fraud is happening everyday. The scammers was able to manipulate my bank phone number, email and texting system. At this point I would like my money bank my savings and checking is gone I'm out of {$4500.00} and my bank has also overdrawn my account by {$800.00}. my bank is Navy Federal.
Product: Credit card

I've consistently upheld timely payments on this account, preventing any instances of overdue balances. The appearance of late payment remarks on my accounts leaves me puzzled. As outlined in 15 USC 1666b - Billing Error, discrepancies should be corrected promptly.
Product: Mortgage

My former mortgage company was bought out by Ditech effective XXXX, 2016. I called Ditech to set up automatic withdrawals on the XXXX of each month. XX/XX/XXXX and XX/XX/XXXX, both withdrawals were n't taken until the latter part of the month. Somehow Ditech applied the XX/XX/XXXX payment towards the principal only, claiming I made two payments in XX/XX/XXXX. Not! XX/XX/XXXX, I cancelled the automatic withdrawals, and made an electronic payment online. Ditech claims they never received my XXXX payment. They even withdrew my capability to make an electronic payment after that. I filed a dispute with Ditech on XXXX XXXX, and attached my XX/XX/XXXX checking account statement, indicating Ditech 's withdrawal in my statement. I wrote a personal check for XX/XX/XXXX and XX/XX/XXXX 's mortgage payment. The XX/XX/XXXX payment was acknowledged, and I am awaiting the XX/XX/XXXX acknowledgement. In the meantime, my stellar credit score went down XXXX points! Ditech strips you of your dignity and intelligence. It is my hope that I receive more than a rote automated response from Ditech. How can they NOT take responsibility for their errors, when the evidence is clearly there? My next step is to contact an attorney and see that Ditech does not continue to thwart their responsibilities as a reputable loaner. This is just the beginning.
Product: Credit reporting or other personal consumer reports

This is my 20th 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 Balance : {$0.00} XXXX XXXX XXXX Balance : {$14000.00} XXXX  XXXX XXXX Balance : {$210.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX  XXXX Balance : {$14000.00}
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Credit reporting or other personal consumer reports

On multiple occasions I have reached out citing legal forms requesting information that is backed by the government and have not received anything. I now demand that the items I have requested starting XXXX XXXX XXXXXX/XX/year>. Since then I have re submitted the request multiple times.
Product: Credit card

I have been the victim of identity fraud. Someone has assumed my social and opened up fraudulent credit card accounts in my name. I have been unable to resolve and dispute the fraudulent accounts with XXXX. They have not provided any assistance in resolving this matter. Please help! 

Any assistance you can offer would be much appreciated. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. You have 30 days upon receipt of this letter to provide strict proof of
contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the  XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Product: Credit reporting or other personal consumer reports

I received my consumer reports and noticed that I have one late payment on an account that I've never been late on. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I've never been late on payments for these accounts that I've attached screenshots inside of this complaint and on dates of ( XXXX ). 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 reflect paid as agreed on time as they should be due to the fact I was never late. Please see attached screenshots. 

Thanks!
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXX XXXXXXXX Balance : {$500.00} XXXX XXXX XXXX Balance : {$8300.00} XXXX XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX ( Original creditor XXXX XXXX ) XXXX Balance : {$510.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$590.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance : {$2500.00} XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Product: Mortgage

Hello, I have serveral problems on my credit report related to issues of mortage lenders buying from other mortgage lenders but not taking over the customer information amicably so that all ACH direct deposit was lost as well as actual physical address to send information to regarding new lender company. This is related to Green Tree taking over from XXXX XXXX XXXX ( formally XXXX ) and Ditech taking over from Green Tree. On both occasions issues caused me to go into default or have delayed payments because I did not even know the loan companies were now being taken over by another loan company. By the time I noticed my mortgage payments had not been withdrawn from my account I was late paying after spending hours and hours and hours on the phone and e mail to correct the incorrect information they had on file for me. In the case of Green Tree they were sending the new information to a work out gym in my city! The same thing occurred with XXXX taking over from XXXX XXXX. They also lost the ACH and customer information or did not ever receive it from XXXX XXXX. This also put my account into delayed payments. 

Finally after spending 2 years trying to remove these late payments on my credit report I have still not succeeded ( I spent XXXX dollars trying to get help from XXXX XXXX who send out form letters that did not help at all ) in removing these from my credit. 

To make things worse I also had to change bank accounts due to fraud so I set up all my auto payments on a regular website based account change for everything from water to electric to health insurance etc. but the ONE that did not work was Ditech of course! I received an e mail saying " thank you, you have successfully set up your automatic withdrawal with Ditech '' but it did not work so I called and called and finally got a manager who agreed to give me her e mail. She and I exchanged e mails over the course of two weeks during which time she could not figure out why the system would not update my new routing and checking number. Finally a colleague of hers managed to do it she said and so I thought all was well! Of course it was not and I found my account was seriously overdue while I was XXXX and did not look to see if the account was being withdrawn from. When I returned I did pay in full but again I was accused of being at fault for being late on my payments. I still have not managed to get their stupid site to work to update the information but I did record the manager reading back my routing and check number to be sure she did not mess up this months payment. 

All I want to do is to have my payments on auto withdraw and not have to worry but I have spent now 2 years trying to get this off my credit report and at the same time trying to get their faulty website to upload my new data. 

I am at the end of my rope. 

Please assist me. 

Thank you very much.
Product: Vehicle loan or lease

On XX/XX/XXXX, when logging into my bank account, I noticed there was two pending payments for my vehicle loan. Each payment was for {$300.00}. One identified as a 'Phone ' payment for XX/XX/XXXX and the other was identified as a " internet '' payment with date of XX/XX/XXXX My loan payment obligation is only {$250.00}, and I had NEVER called Santander nor would I authorize two payments ( i am on a fixed income ). 
I called into the company on XX/XX/XXXX and spoke to an agent who advised it was because my payment 's submitted in XX/XX/XXXX and XX/XX/XXXX " bounced '' and they were resending them for payment. I told her that is impossible, as I don't WRITE bad checks, my payment cleared and i was not charged any fees or notified of such. 
The agent told me that is exactly what happened and if i ask for a refund, it would make me past due. 
I have stopped payment on both of these transactions through my bank, and it cost me {$70.00}. Now, I am worried they will report inaccurate information to the the credit agency or charge me fees for something that is not my fault. In addition, as i have requested with them, i have a payment of {$300.00} that posted to my account on XX/XX/XXXX to principal only- which is not correct either.
Product: Credit reporting, credit repair services, or other personal consumer reports

remove this account # XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX account # XXXX. 
XXXX XXXX XXXX  account # XXXX In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

Filed a complaint with them to dispute some accounts on my credit report and nothing happened. They did not complete their investigation. Equifax did not do their job
Product: Checking or savings account

I had requested a stop payment in XXXX 2017, then they failed to stop the payment they gave a credit and now they took the money without my consent and they took out XXXX too offset the other negative account that I was unaware they refuse to credit the account and they left me with no money for 2 weeks they cause my mortgae to be NSF and they also charged me nsf fees and late charges
Product: Credit card

On XX/XX/2023, my Wells Fargo credit card information for my account ending in XXXX was stolen. I have no idea how this information was obtained. They then made the following unauthorized, fraudulent, purchases : XX/XX/2023 {$7400.00} XXXX XXXX XXXX XXXX XXXX, CA XX/XX/2023 {$200.00} XXXX  [ store number XXXX ] XXXX, CA XX/XX/2023 {$50.00} XXXX  [ store number XXXX ] XXXX, CA XX/XX/2023 {$100.00} XXXX [ XXXX ] XXXX, CA XX/XX/2023 {$71.00} XXXX [ XXXX ] XXXX, CA I was unaware of these charges until I checked my balance online and was shocked to see a balance of over {$8000.00} instead of the much lower balance I was expecting to see. 

I contacted Wells Fargo, gave them the all the information they requested, and after much assurance from their representative I assumed they would remove the fraudulent charges. They did not. 

For a short time the fraudulent charges were removed, I do not know the reason. 

On XX/XX/2023 I received my credit card statement in the mail only to discover that the fraudulent charges had been reinstated. 

I contacted Wells Fargo again and was told my information wasn't stolen since I had used the card after the fraudulent charges were made. Since I never claimed to have lost the physical credit card I did not understand this line of reasoning. 

On XX/XX/XXXX & XXXX, XXXX, I reported the fraudulent charges and stolen credit card information to the local police and credit card rating bureaus. On XX/XX/2023, I filed an FTC identity theft report number ( XXXX ). 

I also appealed the Wells Fargo decision, providing them with copies of the above referenced reports on XX/XX/2023 via a fax number provided to me by an employee in the fraud appeal department. 

Again, I waited. On XX/XX/2023, Wells Fargo made their decision I must have authorized the charges I reported as fraudulent. In essence, they told me I had filed false reports with the police, credit bureaus, and the FTC. 

I am well aware that filing false reports is illegal and this is something I would never do.
Product: Debt collection

XXXX from this company has contacted us numerous times and is on the edge of harassment. She stated we owed for move out fees from XXXX, but I provided all evidence that we already paid. I provided 2 invoices, one for a deep clean and one for paint and patching of the walls, which is what was on the invoice from the apartment building. 

In XXXX of XXXX, we disputed this debt after she said on the phone, I bet youll call me back after you check your credit report and hung up on me when I was trying to gather more info. I checked my credit report and there was a negative mark. I followed up with her with all supporting documentation that I had the apartment deep cleaned and painted. She called me back today and was very threatening, saying if I dont pay right now today, she will ruin my credit and report me as failure to pay. I will not pay for something I do not owe. That is not right. 

Additionally, the apartment complex we moved out of sent us a check for our security deposit, stating that all debts were resolved when we moved out. If we owed more money, they wouldnt have given back our security deposit. 

I want this disputed again and XXXX said that was not an option. She also said she will continue to report and suggested double reporting for the same debt. This is in violation of rules established by the FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had issues with XXXX, Experian, and XXXX about giving other reporting collection companies using information that was sensitive without my written consent due to permissible purposes act which i never gave permission, as well as transferring medical debt to third party collection agencies violating my right to privacy. I was a victim of identity theft, and these collections are non-valid due to the nature of this situation and others using my name to receive medical attention with my insurance as well as trying to access loans and credit cards in my name. I have discussed also that several inquiries and closed accounts needed to be removed from my account. It has been well over 30 days and by the fair act 's rights of consumers, any negative information needs to be removed in its entirety. I appreciate your time and patience to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received copies of my credit report from XXXX, XXXX, Equifax and noticed the companies reporting inaccurate information in my credit file I called the companies and disputed the accounts the companies claim the accounts was verified and continue to report the inaccurate information on my credit report. I disputed by phone and mail so that I can keep complete record of all correspondence I also disputed with the companies that is reporting the inaccurate accounts. XXXX, XXXX, and Equifax claim that they have verified the accounts and that is not already one of the company 's I sent a dispute certified letter to has already been sent back to me saying that the company does not exist these bureau are allowing incorrect information status on accounts and old information to continue to report in my credit. also they are reporting names and addresses medical collection without following the HIPAA rules and regulations so please look into the companies it is not right for the credit bureau to report information that does not belong to you for the purpose of making money.