23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

After reviewing my credit report I must inform you that I am NOT responsible for these fraudulent accounts. Someone stole my identity and opened up the fraudulent accounts in my name.

15 U.S. Code and 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you violate this law because I am a victim of identity theft! Please delete these items IMMEDIATELY! 

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute for a car loan with XXXX XXXX XXXX XXXX that was a paid charge off on my account. The results of the investigation stated that the item would be removed in XX/XX/2019. I called XXXX and was utterly disgusted at the level of service that I received. The representative advised me that the item would not be removed until XX/XX/XXXX.which is totally unacceptable. I requested a supervisor and was passed around like a ping pong ball by XXXX, XXXX, XXXX, XXXX, XXXX  (totally condescending and transferred me back to the XXXX  after requesting a supervisor in the USA, XXXX  (hung up on me). At this point they even blocked my cell phone so it just rang when I pressed 2 for a customer service representative but when I called from my house phone a representative picked up immediate while my cell phone continued to ring.I finally got a representative in the USA by the name XXXX  who got me to a supervisor by the name of XXXX, She made every effort to assit but since I verified every item on my credit file successful except the month the dispute was filed they denied me service. This item has been removed from my XXXX  XXXX  report for almost a year so there should be some consistency with how these investigation are managed. If the results of the investigation were inaccurate I should not be penalized for their mistake. This company should not be allowed to manage anything pertaining to peoples livelihood.
Product: Credit card

I purchased piece of furniture from a furniture store in XXXX, XXXX  for {$1300.00} including taxes in XX/XX/year> using my Apple Card. After having the item in my home, I discovered that it was infested with wood-boring beetles. 

The seller subsequently accepted the return of the piece but refused to cancel the charge, citing an internal all sales are final policy. I disputed this charge to Apple, noting that they are asking me to pay for an item that I do not have, and further noting that the furniture piece failed the implied warranty of fitness test. 

On repeated instances over the last year, Apple has returned a ruling against me with no explanation about why they have thus ruled and added the charge back to my statement. Following these rulings, I have contacted Apple and asked for any information about what further documentation or information they would need. They have then repeatedly returned only a form letter requesting things like a second opinion about the piece ( which is not in my possession ) and then finally ruled against me again. 

This cycle has continued over and over. I have searched in vain for any way to escalate the problem within Apple to get someone to explain what they need, and to explain how they could expect me to pay for an item which I do not have.
Product: Checking or savings account

I opened an an account in Truist Bank on XX/XX/XXXX and deposited XXXX checks electronically, XXXX in the amount of {$1900.00} and the other in the amount of {$3900.00}. 

A week later I received a notice from Truist Bank that they suspect the checks are fraudulent and account is being closed. They gave me no information about why they suspected fraud. I requested that they send me a letter explaining why they suspect fraud. They promised they would send q letter but I received no letter. 

Truist told me I would have to get a notarized letter from my employer stating that the funds were intended for me, and a statement from the manager of the issuing bank to show that the check cleared. I was not sure I understood these instructions clearly so I asked truist to send me these instructions in writing. They told me a letter was issued on XX/XX/XXXX. I waited but received no letter either by email or post. 

I contacted my employer who issued the checks and was told that the checks cleared on his end. He gave me a printout showing the checks had cleared. I contacted XXXX bank ( the bank the funds cleared from ) to ask for a letter but they told me they don't write such letters and had no idea what I was talking about. Since truist had not sent me the documentation I requested I was unable to clarify with XXXX bank the information I needed. 

I received a bank statement from truist showing the XXXX deposits totaling {$5900.00} but the funds were still unavailable I called Truist again to ask about why my funds are still on hold. I was kept on hold for nearly a hour and was told they had no information for me other than they suspect fraud. I again asked for all this information in writing which I still have not received. 

On XXXX I received q letter that my account was closed and the funds are in an escrow account. 

It is now 2 months since I opened the account, I have no access to the funds and no clear account from Truist about why they are withholding the money
Product: Checking or savings account

The UNNAPPROVED weekly charges added by XXXX SHORTLY AFTER I LEFT FOR A TRIP ; IN XX/XX/2020 caused a banking balance system trip. THIS IS A COMMON OCCURENCE, THE WEEKLY RECURRING SUBSCRIPTION CHARGE IS A 'BURNER ' TO BANKING ACCOUNTS. THE SOFTWARE I SIGNED UP FOR WAS ONLY FOR A WEEK TRIAL. I HAD AUTORENEW, BLOCKED ON MY ACCOUNT, AS SEEN IN SIMILAR SUBSCRIPTION TRIALS AT XXXX. They then ran hotel fees and caused reporting delays. Ultimately, the recurring weekly fees stopped the system as they misreported the account. THEY THEN CLOSED MY ACCOUNT WITHOUT ALLOWING DISPUTE CORRECTIONS. THESE ACTS CAN BE TRACED TO THE INDIVIDUALS INVOLVED. 
I have noticed incorrect/3rd party notifications and, incorrect balance ; leading to charge decline s at POS. I am always aware of my actual balance. There is a wire transfer from XXXX XXXX XXXX for {$10000.00} confirmation XXXX XXXX BANK ACCT XXXX I have not re ceived this transfer. It was not reported on my account. There are many XXXX refunds. Total ing {$4000.00}. I have confirmation of these refunds ; but ; they were not reported. I have XXXX in my account in XXXX. I know incorrect reporting has caused my entire balance to be inaccurate. Also a refund from XXXX XXXX for {$3200.00} was not reported. I have email confirmation of all refunds and the wire transfer. They were never reflected on my Wells Fargo account. Please insure my deposits. My account number : routing : XXXX account : XXXX Thank You, XXXX XXXX MBA PhD XXXX  XXXX  XXXX  XXXX  XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I AM A VICTIM OF IDENITY THEFT 15 US CODE 1681 C-2 A CONSUMER REPORTING AGENNCY SHALL XXXX THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM ALLEGED IDENITY THEFT, NOT LATER THAN 4 BUSINESS DAYS AFTER DATE OF RECIEPT.IT HAS BEEN 30 DAYS AND YOU ARE IN VIOLATION OF THIS LAW BECAUSE IAM A VICTIM OF IDENITY THEFT!! PLEASE DELETE THE FOLLOWING ACCOUNTS 1 ) FIRST PROGRESS CARD OPEN XX/XX/XXXX ACCT XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ACCT XXXX THESE ACCOUNTS SHOULD NOT BE FURNISHED ON MY CONSUMER REPORT AS THEY ARE IN VIOLATION UNDER 15 US CODE 1681 B NO CONSENT IDENITY THEFT PLEASE REMOVE AS COSMER I AM DEMANDING DELETION
Product: Debt collection

So this all started on the XX/XX/2018 and that's about the time they sent me several letters they had called me several times but never left a message to let me know that it was them I think that was to do with the law or something but the whole matter is that the day of the court case which was of XX/XX/2018 when that was filed well we had made arrangements before it had to go to court like it did and I had been trying my best to she thought in contact with them and we came up with paying {$30.00} each week I was doing that and this process I get another thing saying that the court case was still happening to my knowledge I was told that it wasn't going to happen I called them I asked them about this they said do not worry about this they said in this case you do not have to go to court because we've already made payment arrangements on this and you have been paying at this time like you should so I've been paying and then I get another one a week later from the first one that I got stating that now to court case has gone through seeing how I did not show up that I lost the case I was told by these people that I did not have to show up to the case because everything was taken care of they lied to me about this in the end they are garnishing my wages which whatever the whole thing is that they tacked an the whole thing is that they tacked an extra {$450.00} on what I already owed them after I just paid off {$550.00} but they had already been paid out is a $ {$1400.00} bill so with that I just found this page and read everything and saw that oh my God they can't do this so that's why I'm getting a hold of you please look into this case XXXX XXXX XXXX is the attorneys that filed this through a place called Portfolio Recovery XXXX XXXX is who had the debt at the time the original debt comes from MasterCard credit card something that happened 7 or 8  years ago I'm not sure but there's one thing that I know is that they lying to me about this and now that I see that they can't get away with that that it isn't law that they can not lie to you which I did not know I thought they could do whatever the XXXX they want if you owed something somebody II do anything they want I did not know that there were stipulations on this so that's why it took me so long to get a hold of somebody
Product: Credit reporting, credit repair services, or other personal consumer reports

Do not recognize these Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion 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 TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

Toward the end of XXXX I received a letter from Navient informing me that they had been sending my invoices to the wrong address and that my account was overdue. This account had been in deferment for quite some time. Most of my student loans had been managed by my parents early on and I had no idea that this account was coming out of deferment until I received the letter. The past due balance was immediately paid and automatic payments were set up to avoid any miscommunication going forward. Immediately after payment they reported me 90 days late and would not see any fault in their failure to communicate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  XXXX Balance : {$730.00} - This account has several violations : You are reporting past due balance on a closed account, you are reporting late payments after this account was closed, you are reporting incorrect Balance, you are reporting an incorrect past due amount. These are ALL violation please delete account Immediately. 

XXXX XXXX Balance : {$580.00} - Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on my credit report. 

XXXX  XXXX XXXX XXXX Balance : {$560.00} - Your records are revealing conflicting and incorrect information compared to other bureaus. 

LVNV FUNDING LLC  XXXX Balance : {$550.00} - This account has been transferred and you're still reporting the original creditor. You are reporting this account twice. This account has been re-aged and is currently showing the incorrect open date and the incorrect date of the last activity. These are all violations so please DELETE Immediately. 

XXXX XXXX XXXX XXXX Balance : {$420.00} - This account belongs to someone else. This is not my account. Provide me specific data to prove that it belongs to me or remove it accordingly. 

XXXX XXXX XXXX XXXX  XXXX Balance : {$260.00} - This collection account has been re-aged and is being reported past the legal time allowed. Also, provide me with a breakdown of the fees & authorization because I did not agree to have any of my information shared. 

XXXX XXXX XXXX XXXX XXXX Balance : {$190.00} - Account is reporting inconsistencies and inaccuracies. Open Dates are showing different dates at each bureau. 

XXXX XXXX  XXXX XXXX XXXX Balance : {$150.00} - This account has been transferred/sold, but you are still reporting this account with the original creditor. You are reporting this inaccurately. Delete Immediately. 

XXXX XXXX XXXX XXXX  XXXX Balance : {$150.00} - The creditor information is missing. Please remove due to failure to identify the creditor Name address or phone number. Account can not be verified. 

XXXX XXXX XXXX XXXX  XXXX Balance : {$150.00} - In this collection, there should not be any outstanding bills as ALL bills are covered under my compensation insurance. This is inaccurate. Please provide me with a breakdown of the fees or delete this.
Product: Mortgage

I open this home equity loan inXXXX is still owe {$25000.00} the loan amount was {$29000.00} and I been paying on loan for 8 years of more which I pay from $ XXXX {$200.00} each month .have not missed any payment
Product: Vehicle loan or lease

I have had an auto loan with SunTrust Bank since XX/XX/2020 where I have not missed a single payment ( yet ). I just called SunTrust Bank and inquired about a loan modification in which there are options, but Suntrust refused to modify and stated that I would have to do a refinance with them even though I am already a good-paying customer for almost a year. During this Covid-19 environment I would think that banks are encouraged to work with the citizens due to rampant layoffs, terminations, evictions, etc.
Product: Mortgage

This is an ongoing issue. My wife and I did a Deed In Lieu with Seterus XX/XX/XXXX. They incorrectly reported the dates that we missed payments. We filed a complaint with the CFPB after disputing it with the XXXX, XXXX, and XXXX failed to correct it. Seterus corrected the issue and then incorrectly reported that we missed XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. They have denied doing this. We filed a new complaint regarding the incorrect reporting ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) and Seterus responded to the CFPB that they would correct the reports to no longer show us late in XXXX. I appreciate that, but it does not address the issue that we are showing late for XX/XX/XXXX. 
Our original loan with Seterus was closed XX/XX/XXXX when we refinanced. They issued a refund from the escrow on that account in the amount of ~ {$500.00} that we did not discover until XX/XX/XXXX. It was not given to the state, nor did we ever receive it. They consistently refer to the new loan when we bring it up or tell us to prove that we did not cash the check. It has been researched numerous times and promises to send the refund have resulted in nothing.
Product: Debt collection

My account is # XXXX Credit Counseling Inc in XXXX XXXX FL . The rep managing my account has been " harrasing me '' these past 10 days. I had called back to arrange payment plan but he wasnt available person who took my call was adding other fees that this guy waived because We discussed last week my due amount and payment plan. I had expressed many times to him that I have proof and I am going thru XXXX XXXX XXXX myself and in fact going to another XXXX next week I wont be able to walk for 2.5 months. I also have proof of financial distress as we had a water damage in our house where me and my family of XXXX live. However I had told him I wanted to start paying to not affect my credit I called him back to provide my payment info but the other rep was not aware of all our arrangement for payment. Today I responded to him friendly and nicely. He didnt let me finish talking started using obscene language telling me threathing with about his lawyer saying I am not playing games with him, you know who I am? Do you? Dont bypass my question? I was Like? Who is this guy?. I wanted to inform him my first payment was on the way from my bank account and he didnt care he didnt even let me talk? He kept yelling at me over the phone i said you know what goodbye and I hung up. He is horrible and I need your assistance people like this shouldnt be doing these jobs nasty low educated people. I am just sick in pain these days and I still can be a nicer person than him. I ask for your help but I am also looking into getting counseling from the general attorney. This guy wont stop calling me. I thought I would call rhe manager directly but this guys is always answering. I had been a collector myself while in college and still able to get my commision without acting or being an XXXX with people.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2023 I have submitted a written letter to all 3 major credit bureaus, and also the actual companies of the alleged debt, explaining my rights as a consumer and how there have been inaccuracies on my credit report that's being hindering me. According to the congressional findings statement and purpose, As a consumer I should be entitle to fair and equitable credit reporting for consumers like myself. It's now been over 60 days and I have not yet seen any removal from the alleged negative items listed on my credit report for the following accounts listed below. My information was also impacted by the XXXX data breach and may have got into the hand 's of the wrong person. This caused me on going stress and I would soon have to file for litigation due to this amount of stress. 
XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX # XXXX SXXXX XXXX  # XXXX XXXX XXXX XXXX XXXXXXXX XXXX # XXXX Collection Account : XXXX XXXX XXXX # XXXX
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX- I set up the money transfer to my family friend in XXXX XX/XX/XXXX - Wise received my money and started running some checks XX/XX/XXXX - I wrote an email to Wise customer support trying to confirm the cancellation of the transfer because it was taking a longer time than promised ( see attachment ) XX/XX/XXXX - I received an email from Wise worker XXXX XXXX saying " ... We're writing to let you know we got your cancellation request for transfer XXXX ... Right now were experiencing a high volume of transfers, so we may take a little longer than usual to review yours our estimate for most transfers is 1-4 business days, with some as an exception taking 5-10 business days ... '' XX/XX/XXXX - The status of the transfer did not change XX/XX/XXXX - I wrote an email to the Wise customer support and didn't get any reply XX/XX/XXXX - I started chat with Wise customer support again XXXX Answer to my complain was the same as before " ... I checked your account and see that the transfer was paused due to regular checks. I'll inform our team about the cancellation, once we've an update from them, we'll get back to you via email... It usually takes 1-2 working days for our team to look into this and get back to you. ''
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX am a victim of identity theft request deletion and removal of the listed fraudulent account LVNV FUNDING LLC Open date : XXXX XXXX total balance {$640.00}.
Product: Credit reporting or other personal consumer reports

I sent in a dispute about XXXX  months ago to have the credit agencies remove this account and they just responded and said that it was verified. The XXXX reporting agencies have several items that do not match. This account is for XXXX XXXX XXXX. This is how the XXXX agencies are reporting their information about this account. 
Date opened : XXXX = XXXX, Equifax = XXXX, XXXX = XXXX High Balance : XXXX {$16000.00}, Equifax= {$14000.00}, XXXX {$16000.00} Date Reported : XXXX, EquifaxXXXX XXXX XXXX. 
How can these XXXX agencies claim to be accurate when they are all reporting data that doesn't match each other on so many items?

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and under 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting XXXX  accurate information>
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent numerous documents to Equifax, XXXX, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and I demand that ALL items listed on each letter be DELETED from my reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

At this time, as in all other times, TransUnion has once again, blocked me from obtaining access to the information that they have on me. I continue to get my attempts denied. I have changed my passwords over and over and over again, and TransUnion continues to change my password, or deactivate it. When presenting me with a number to call, that number always leads to a person with a language barrier to English only to result in that person placing me on hold only to hang up. When a person honestly gets your explaining narrative wrong, and you have to respectfully repeat yourself, that is counterproductive. As a result of this, TransUnion blocks me from obtaining a free annual report, and accessing the information so that I can submit disputes. I am attempting to file a dispute against XXXX XXXX for fraud, and I can not do that unless TransUnion allows me unfettered access to the information.
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX, I'm writing to voice my worries about a few problems I've had with the credit bureau. These problems include false account listings, multiple unauthorized inquiries, faulty credit reporting, billing irregularities, and accounts that are not mine. 

I need help to get these problems resolved so that I can be financially secure.