23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Bank of America is continuing to charge me interest in an account that is paid in full. This is getting ridiculous. 

I had a credit card with a balance, which I fully and completely regret, which I paid off in full in XXXX. Bank of America charged me an additional {$170.00}, which they claimed was " residual '' interest on the account. Now, in XXXX, after AGAIN paying this account in full with the bogus {$170.00}, Bank of America has now charged me an additional {$2.00}. I have not made any purchases on this account and have now paid the account TWICE in full, yet Bank Of America is still continuing to charge me interest. In addition, Bank of America has continued to report to credit agencies that I have over a {$9000.00} balance on this account MORE THAN A MONTH LATER. 

In addition, Bank Of America took at payment on another account of {$120.00} and that account also had a XXXX balance. I am out over {$300.00} of my money by Bank Of America. 

Can you please tell me how to sue Bank Of America for their shady and misleading tactics?
Product: Credit card or prepaid card

someone I know has taken my social security number and is trying to open bank accounts, and credit cards as me. she has also take cards i already have and called the credit card companies saying the card has been stolen and they are changing the addresses to her address and sending the new cards. i realized this when i went to use a card and it was declined and i called the company and they said we are sending a new card to a new address. the phone number was also changed on the account so all notifications go to her cell phone. i have frozen my credit on all 3 places but there are still accounts open that are in my name that aren't mine and it's a little overwhelming to call them all and get this straightened out. the fact she keeps doing it is even more frustrating, the police have been notified but there wasn't enough information for them to do anything, at least that's what they said. she tried opening a bunch of accounts in XX/XX/2022 and i have a list on my XXXX  account that they couldnt flag as fraud and close because accounts were active with those addresses. she has also tried to open accounts in my son 's name and im worried she may have also tried to get my mother, and might go after my other son and husband, also who knows who else she has been doing this to...
Product: Payday loan, title loan, or personal loan

On XXXX 2015, My now ex wife and I applied for a loan and approved/received a loan for XXXX and as of right now the loan is XXXX. The agreement between my ex wife and myself was to pay the debt collectively but her end of the agreement was not held. I paid as much as I could before I could no longer make payments.
Product: Credit reporting or other personal consumer reports

XXXX account # XXXX have 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 an account without my written instructions. 15 U.S.C 1692C 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- The Fair Credit Reporting act, Section 609 ( a ) ( 1 ) ( A ) states that I am entitled to the source of this information which is the original contract with my signature on it. If you are unable to verify the account with the original contract the information should be removed from my credit profile and credit report within 30 days
Product: Debt collection

Resurgent Capital repossessed my vehicle without providing any prior notice or communication about their intent to take this action. I was not given any opportunity to address the situation or prevent the repossession, leaving me completely unaware of their plans. This lack of transparency has caused significant inconvenience and frustration, as I was not afforded the chance to resolve any issues before my vehicle was taken. 

Additionally, during the repossession process, their agents damaged my property. Specifically, my trash can was left broken and unusable as a result of their actions. This damage further reflects a lack of care and professionalism in how the repossession was handled. I am requesting a thorough investigation into this matter and appropriate action to address the lack of notice, the improper handling of the repossession, and the damage to my property.
Product: Debt or credit management

I received a letter from t-mobile stating I owed a balance to them. Im currently on a family plan with my mother and the account is current. Even before the so called balance was sold to a debt collector I called t mobile and had them investigate this matter. 
In XX/XX/year> there was a purchase using my bank account in the amount of XXXX from t mobile which was unauthorized and disputed with my bank. I called t mobile and nobody could pull anything up on my account. 
Now in XXXX this debt with my name attached to it is on my credit report fraudulently and I need it removed immediately as Im certain it doesnt belong to me.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Equifax and XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX Balance : {$7700.00}
Product: Credit reporting or other personal consumer reports

Pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) TRANSUNION was required to block the reporting of any information in my file that I have identified as information that resulted from identity theft, not later than 4 business days, namely XXXX XXXX XXXX XXXX I have provided two separate proper identity theft reports to TRANSUNION pursuant to 15 U.S.C. 1681a ( q ) ( 4 ). TRANSUNION continues to publish and disseminate such inaccurate information to other third parties, persons, entities and credit grantors in violation of the FCRA. 

Further, TRANSUNION continues to falsely report XXXX XXXX XXXX XXXX, XXXX, FL 33025 as my address.

Finally, TRANSUNION is making an error in reporting the following inquiries : XXXX XXXX Inquired on XX/XX/XXXX Business Type : Finance, personal XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX Business Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX Business Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX Business Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This inquiry is scheduled to continue on record until XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This inquiry is scheduled to continue on record until XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX Business Type : Banks and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This inquiry is scheduled to continue on record until XX/XX/XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
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 XXXXXX/XX/XXXX
Product: Debt collection

I was at work yesterday and received a phone call from Foundation Finance and I did not give my work number to them, EVER! XXXX at foundation finance admitted to searching for my work number and reaching out to me with out my permission. Several phone call have been made this month to try to collect a payment. I know when I need to make my payment and I also know when my bill will hit my credit report. What I do not like is that they without my permission searched for me and found my work phone number and then admitted to it to me today at XX/XX/2016 at XXXX.
Product: Credit reporting or other personal consumer reports

Company has reported acct late and it is affecting my credit. I was never late because there was no payment ever due for the accts. I have contacted company to delete the late payment reports but they refuse to. The transactions are inaccurate because I was never late on the accts. 

XX/XX/2XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I kindly request the deletion of this account from my credit record, as it does not pertain to me. Please conduct an investigation to address any other potential issu
Product: Vehicle loan or lease

My car needed to be fixed, I got my car from USA auto sales. I spent XXXX + to fix my car because when I filed a claim they said they couldnt do nothing about it because they had shut down and and my contract was no longer available to fund. So I had to pay out of pocket to get my car fixed when it was supposed to be under contract. Thanks!
Product: Credit card or prepaid card

XXXX Storecard and Synchrony Bank has been charging my account for returned items that were supposedly refunded. Both XXXX and Synchrony Bank websites show items were refunded but after reviewing the monthly statements, the refunded items are still showing up in the balance including interest totalling to at least {$1500.00} each month from XX/XX/2017 to present. Ive repeatedly brought this to their attention but was dismissed. Attached is the latest statements and invoices showing refunded items and balances
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX  XXXX FL XXXX [ XXXX ] XXXX XXXX ] [ XX/XX/year> ( XXXX XXXX XXXX Name ] [ Address of the Credit Reporting Agency ] Subject : Formal Dispute Regarding Inaccurate Information on My Credit Report Dear [ Credit Reporting Agency Name ], I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. 
Recently, the Consumer Financial Protection Bureau filed a lawsuit against Experian for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation. 
ikes Failing to notify consumers about investigation results effectively. 
These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. XXXX XXXX deeply concerned that my dispute may be mishandled in a similar manner. 
Please review the Inaccurate Information being report :
Product: Credit reporting or other personal consumer reports

It's really troubling to discover unauthorized inquiries on my credit report this evening, especially since I have no idea how they got there. I checked my report as usual and was startled by these discrepancies. I tried refreshing the page, hoping it was just a technical error, but the inquiries were still there. This situation is extremely frustrating, and I urgently request a careful review of my submitted documents to ensure this doesnt happen again.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I work for XXXX XXXX, an identity theft protection service. Since XX/XX/2019, we have acted as Power Of Attorney for XXXX XXXX. 

XXXX is a victim of identity theft and one of the actions the identity thief took was opening a XXXX account on XX/XX/2019 under XXXXXXXX XXXX name and SSN. 

On XX/XX/2019, via a conference call to XXXX, XXXX and I made XXXX aware that the account was opened fraudulently in XXXX 's name. XXXX has since cleared the account as fraud on their end, and have provided ticket # XXXX as confirmation, yet the account and two associated inquiries are still showing on the National Consumer Telecom & Utilities Exchange. 

I sent a dispute to XXXX and the National Consumer Telecom & Utilities Exchange on XX/XX/2019 and then again on XX/XX/2019. In both cases I sent power of attorney, proof of address spanning many months, drivers license, W-2 as proof of social security number, police report, and FTC ID theft affidavit. These were mailed by the post office. I am attaching them to this Consumer Financial Protection Bureau complaint. 

On XX/XX/2019 XXXX left a VM for me confirming they received a complete fraud dispute packet and an investigation has started. 

Both disputes to the XXXX XXXX XXXX XXXX XXXX XXXX were replied to by simply sending me a credit report and confirming a fraud alert was added. The removal of the fraudulent XXXX records was not completed and no explanation was provided. 

On my second request, I advised it was my second request, and that if necessary, my third request would be sent to them through the Consumer Financial Protection Bureau. 

On XX/XX/2019 the XXXX XXXX XXXX XXXX XXXX XXXX sent another credit report and it still shows XXXX inquiries and a delinquent account with XXXX. 

These need to be removed as they are a result of fraud and I have provided all necessary documents to clear it as such, as early as XX/XX/2019. 

Both the XXXX XXXX XXXX XXXX XXXX XXXX and XXXX needs to review their fraud handling process.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im resubmitting a complaint to you today due to my complaints # XXXX, XXXX, and XXXX was closed last XX/XX/XXXX when I reviewed it. I would like 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 https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item 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 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 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 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 ; 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 4 business days after the date of receipt.
Product: Student loan

I have a number of private student loans with Firstmark Services. I am trying to refinance my loans to lower my monthly payment. I've called Firstmark Services serval times ( XX/XX/XXXX, twice onXX/XX/XXXX, and several times in the prior weeks ). When I contacted them about lowering the payments, they informed me that they only service the loans. They are not the lender and can not change the terms of the loan. The original lender was XXXX. I received a letter from XXXX on XX/XX/XXXX informing me that they had transferred the servicing of my loans to Firstmark Services. ( By the way, Firstmark Services says they can not do any modifications only forbearance. ) When I asked Firstmark Serrvices for information on the lender, the name I was given was XXXX XXXX XXXX XXXX XXXX ( XXXX  ). When I asked for contact information for XXXX, I was told that since XXXX had sold the loan to XXXX  in early XXXX, they did not have the contact information for me. I tried looking online myself and also could not find a phone number. This is completely unacceptable! I am paying monthly on loans and can not get the contact information for the lender. 

I am concerned that these banks and servicers are intentionally making it difficult for consumers. ( On a related note, I was told by Firstmark Services that I should seek to refinance my loans through a 3rd party lender. I tried that option but was unable to do so because I have a high debt-to-income ratio ( even though I have a high credit score and never miss payments ) It is precisely because I pay so much in student loans monthly that I need to reduce my monthly loan payments. )
Product: Vehicle loan or lease

I only had the car for two months starting some time around XX/XX/2020 and I have been having probleming since day 1. The problems to fix this car is expnse but they are willing to pay. This car has been putting me on the side of the road coming from work many days and nights. It has cost numerous of problems causing me to missed work, doc apt XXXX all because of a lack of a ride. They fasely advertistment this particular car and knowing that this car is not " WORKING ''. I also believe this car is a " LEMON '' and it just never going to be the same. It goes in the same shop back and forth and the shop doesn't fix on the car right at all. The dealer know something wrong with the car because they are pressuring me to get something else but I have to have a CO-signer and dont have one.
Product: Credit reporting, credit repair services, or other personal consumer reports

i am filing this complaint because experian, XXXX and XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the account i disputed. being that they have gone past 30 day mark and can not verify these account under section 611 ( 5 ) ( a ) of the fcra -they are required to promptly delete all information which can not be verified ' that i have disputed. please resolve this issue immediately
Product: Credit reporting or other personal consumer reports

Bureaus are reporting incorrect information on my report affecting my credit score tremendously. They are reporting that I have an account with XXXX XXXX XXXX XXXX, however I do not. It is being reported that I owe XXXX for this account. XXXX is being reported as a joint account the others are reporting is my individual account. I have told them I have never lived in Texas. I have disputed this with the unions, I have asked for proof and no information or proof was provided. I have provided proof of residence and they did not make the correct investigation. Status 's are also being incorrectly reported Another union has reported delinquency on a repossession for XXXX and the others have not, it should not be a delinquency as it has been paid off by the bank
Product: Credit reporting or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 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 relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I respectfully request that the company offices provide me with competent evidence that I have any legal obligation to pay them or else remove the account from reporting on my credit report.