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

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT # XXXX XXXX XXXX XXXX original creditor XXXX XXXX credit card 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
Product: Credit reporting, credit repair services, or other personal consumer reports

My bank called me to inform me that there was an unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen. I got online and made an account with XXXX  XXXX and got a copy of my report. For years my name, birthday and social security number was used to open accounts that are not mine. Please remove these items for my report. 

XXXX XXXX  XXXX XXXX {$800.00} XXXX XXXX XXXX {$220.00} XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX {$280.00} XXXXXXXX XXXX XXXX {$220.00}
Product: Student loan

I am reporting predatory loan practices from AES/PHEAA. I am the cosigner on my son 's student loans through AES/PHEAA in Pennsylvania. The school XXXX was attending was XXXX College. He has paying on his loans for several years, I believe since 2009 ( although sometimes late but the late fees are typically less than {$5.00} ). There are two loans and AES is showing them both current but PHEAA is  saying he is {$600.00} in arrears and they will garnish his wages at the end of this month. I believe that someone at AES is either misapplying the payments or worse, pocketing them into their own account. The reason I believe this is that the original loan amounts were {$4700.00} and {$5300.00} but have only gone down to {$4300.00} and {$4800.00} after all these years. They also turned us in to a credit agency and my credit score was lowered due to AES 's improper accounting.
Product: Mortgage

Summary : LoanCare escrow service paid taxes out of my escrow account to an incorrect parcel number in XX/XX/XXXX. They have not yet refunded me for this error or the late fees incurred as a result of taxes not being paid correctly. 

Details : On XX/XX/XXXX Loan Care sent {$1300.00} to the City of XXXX XXXX for payment of XXXX Summer Taxes. The issue is Loan Care placed the INCORRECT Parcel ID on the check so the {$1300.00} was applied to my neighbors taxes. I have met with and spoke with the City several times as well as Loan Care on Loan Cares mistake. Everyone acknowledges that Loan Care made the mistake but I have NOT yet received my {$1300.00}. 

{$60.00} : A year later, XX/XX/XXXX, Loan Care finally paid my XXXX Summer Taxes of {$1000.00} plus a late fee of {$60.00} due to Loan Care paying the XXXX taxes a year late. I am still awaiting the refund of the {$60.00} from Loan Care.

I have been contacting LoanCare with over 25 phone calls and emails since XXXX of XXXX and they are not resolving the issue. I am put on hold for hours to wait to speak to a management member who ultimately has no authority to resolve this issue. It is deferred to their " tax department '' but no attempts are made to contact me in any form. 

I sent LoanCare a very detailed letter and spreadsheet with amounts, dates and payments in XX/XX/XXXX. They said I would be contacted within 3 days. It is now 4 weeks later and I spoke to a member of their "  management team '' after being on hold for an hour and was only told that I needed to wait another week for them to decide what to do.
Product: Debt collection

On XX/XX/2023 I Was Checking My Credit Report & Noticed An Unknown Account From  XXXX XXXX Account Number XXXX With A Balance Of {$2000.00} I Immediately Contacted ALL Credit Reporting Agencies To Dispute This Account After It Was Marked As Verified Without Conducting A Full Lawful & Proper Investigation & Sending Me A Hard Copy With A Detailed Description Of How This Account Was Verified Experian Is In Violation With FCRA & Owes Me {$1000.00} For Damages Caused & Now Has 15 Days To Complete A Proper Investigation & Delete This Fraudulent Information From My Consumer Report After Receiving This Notice
Product: Debt collection

Resurgent capital services is reporting to my credit reports a debt that they claim is written off. They have not provided me the proper tax forms ( 1099-c ) in timely manner so I can file the charge off as income not have they my wet signature on any type of document authorizing them to publish my personal information ( the debt in question, my identifying information, etc ) to any third party ( i.e. the credit bureaus ).
Product: Debt collection

This collection agency is trying to collect a debit from XX/XX/XXXX. I was a XXXX in college and did not get my first credit card until XX/XX/XXXX. It would have been very easy for a roommate or anyone else to get this info. I did n't keep it hidden I did n't think I needed to. Now they are trying to bill me for over XXXX that I never had the chance to use
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Account number XXXX Account type Secured Loan Responsibility Individual Date opened XX/XX/XXXX Status Open. {$980.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$3100.00} Balance updated XX/XX/XXXX Never open account with XXXX XXXX. Contacted fraud department sent docs over to fraud. Accounts never deleted. Did not open.
Product: Credit card

I earnestly request that you eliminate this from my credit report as it is not associated with me and is entirely fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account ( s ) Name ( s ) and Number ( s ) : Account name : XXXX XXXX XXXX XXXX ; Account number : 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX and XXXX, 2019 a company by the name " The CBE Group '' just popped up on my XXXX, XXXX, and XXXX credit report file. The original debtor is XXXX XXXX XXXX! This account does not belong to me, as all my bills have always been in my husband 's name. When I try to contact the CBE group, my calls are not be accepted, their recording says their too busy to take my call. I have filed a dispute with XXXX and XXXX.
Product: Debt collection

Debt was charged off years ago, now new company making claims against our property threatening foreclosure. Documents submitted to clerk of courts are falsified. Debt does not appear on my credit report.
Product: Credit card or prepaid card

On XXXX XXXX XXXX I accepted a balance transfer offer from Capital One for {$6100.00} with a 3 % transfer fee and selected to have the amount sent via a connivence check. The check was sent to the incorrect address because a customer service rep mistyped it on my account. I have contacted their customer service several times and have been told to just wait. After 3 weeks I contacted them for a third time as was told the check was returned and will be destroyed ; however a new check can not be issued until the funds are credited to my account. The rep then proceeds to tell me that the credit will not be taken off for up to 2 billing periods and that I am expected to make minimum payments on funds that I have not received. They refuse to credit the account immediately and refuse to waive minimum payments while they credit the account. Capital One is putting the burden and cost of their clerical error on me the consumer which is something that is unfair and malicious.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans union has my credit score way lower than XXXX and XXXX and I dont know why. It should be closer to the other two.
Product: Credit reporting or other personal consumer reports

There is a hard inquiry from XXXX XXXX XXXX  that I didnt authorized and shouldve been removed months ago when I called and disputed it. It needs to be removed.
Product: Checking or savings account

XXXX   XXXX  passed away  XXXX   XXXX   XXXX . We have tried to close this account several times but  FNB Financial Services LLC.  refuses to let us close this account because we do not have a short certificate.  XXXX   XXXX   (  my mother ) had a will but it was not registered. My dad is now  XXXX   XXXX   XXXX  and this the last item he wants to handle before he passes away. My dad tried to list t he Interest  from these  XXXX  accounts on his  XXXX  Tax return but  XXXX  &  XXXX   XXXX  would not allow this and informed him by Pa law they are required to give him this money. I called FNB again on my dad 's behalf but they still insist they need a short certificate. Please help me clear up this matter.   Sincerely,  XXXX   XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

XXXX Account # Account number : Account Name : XXXX XXXX  XXXX XXXXAccount numberXXXX has violating my rights Account name : XXXX XXXXAccount number:XXXX has violating my rights XXXXAccount number XXXX has violating my rights Account name : XXXX XXXXAccount number : XXXX has violated my right 15 US.6 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 writter 15 U.S.C 1681c. ( a 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the
Product: Checking or savings account

Greetings, I am a business owner with a bank account at Bank Of America. As a car dealership our business is to provide vehicles to auctions, retail customers & wholesalers such as XXXX or XXXX XXXX. 

Ive been a customer with Bank of America sadly for over 15 years and within this business account have deposited over 7-8 checks. My most recent deposit was a payment issued by a major company for a sum of 17,500. The bank told me upon deposit that the funds will be made available in parts within two day & four day intervals. After about 24 hours a hold was placed by the bank because of fraud verification & the funds wouldnt be released for 11 more days.

This has caused issues with employees that need to be paid and vendors that need to repaid for their credit line on vehicles. Bank of America has routinely placed these verifications on customers of my kind in order to put us out of business. When speaking to the bank the only solution they offer is to wait for the extra verification process to be done and shut down my account if I dont appreciate the extra restrictions put on me as a customer. It is impossible to operate as a business if there is a 11 day hold on every sale and every bit of funds that we receive. On top of this we incur bank, vendor, & business fees doe late payments to everyone else. I will be shutting business down thanks to Bank of America as I can not survive labor lawsuits & employee non payment in my state.
Product: Payday loan, title loan, or personal loan

In XXXX XXXX, I took out a {$3500.00} loan with RISE Credit online. I found out about this website from a mailing promotion that I received sometime before XXXX in XXXX. It said the interest rates were low, you could apply right away, and you could receive the money right away. The application and all emails from RISE Credit have been in XXXX, and XXXX is my first language. Payments were going to be about {$560.00} a month. On XXXX XXXX, a payment was made and I was happy to think the loan was paid off, especially because I had recently lost my job. I went online to see what I owed, and I had to create an account to get the information. I found out the balance was still {$3300.00}. I called RISE Credit to see why I still owed so much money. I was told by RISE Credit on the phone that I would pay about {$10000.00} in total for the loan. When you look at the account online, you can only see three payments right away under Account Overview. Also, under Payments, you only see payments due for four more months, so it seems like you only have four more months to pay. This is misleading and confusing. I did not receive any notice when I applied for this loan about what the interest rate would be and that it would be so high. I only found out some of this information when I opened an account online last month. The interest rate is not easy to find online, either. I thought it was 299 % because it has a page for loans in my state, which gives examples of the interest rate. When I had a legal aid lawyer help me look up the loan, she was able to find the Loan Agreement, but it was not easy to find in my account. I did make a payment on XXXX XXXX, but I had to have my bank put a stop on any payments for this loan. If I had seen the interest rate and total payments due, I would not have taken out this loan.
Product: Debt collection

CLIENT SERVICES. Repeated calls daily ( sometimes up to 3 times a day ) since XX/XX/XXXX. They consistently are calling from a different phone number. 

I have attempted to block their phone number to make the calls stop ; Ive blocked at least 10 phone numbers but they use a new one every time they call.
Product: Credit reporting or other personal consumer reports

I have two unknown accounts that I never applied for showing on my credit file.

these following accounts are not mine please delete/remove XXXX {$1800.00} , XXXX XXXX {$8800.00}. I wanted to inform all parties that in the last thirty ( XXXX ) days I have contacted the Federal Trade Commission. I explained in my letter that, you, as a Federal Reporting Agency, have not complied with any of the Laws under the FRCA Laws 605b Identity and 609A1 E2 Validation and Disclosure, 623 A1 Responsibilities of the furnisher of information. 
I am demanding that you remove all inaccurate accounts from my credit profile in the next five ( 5 ) days or I will have no other recourse but to file an injunction against your agency under 617a1 which makes you financially liable for each inaccurate account. Also, under 616 Section A liability for willful non-compliance, your agency has yet to respond to my questions and statements of the Law. Please delete the following unverified fraudulent account :
Product: Checking or savings account

I opened an account in XX/XX/2025 with my father who is XXXX and has XXXX  XXXX. The money was to go to his care. I submitted on Monday XX/XX/XXXX i beiufht his medical paperwork stating this as well as power of attorney for financial to the XXXX location. The women took the paperwork and said she would submit the paperwork. I was on my mobile chase app on XXXX  XX/XX/XXXX and saw the account was closed and the {$120000.00} was gone. I was the main account holder and was not informed that this account would be closed. I called Chase and no one was helpful. I went into the XXXX XXXX location and XXXX was helpful. But we can not get the {$120000.00} back. They can not tell us how the account was closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whoever May Be In Charge : I am agitated and dismayed that you continue to list ( XXXX ) dismissed bankruptcies as confirmed. I have been in correspondence with all XXXX ( for oveXXXX XXXX XXXX... I even was lucky enough to have my file assigned to " XXXX XXXX '' with XXXX as soon as I MENTIONED CFPB ) bureaus as well as the XXXXXXXX XXXX XXXXXXXX ( who also told me that they could not verify this information nor would they verify, validate, update, or otherwise with any credit bureau ) that is listed on my disputed credit reports. I am well aware that you receive your information from a XXXX-party, whether it be XXXX ( XXXX ) or XXXX XXXX XXXX XXXX  or from XXXX. The system is not always accurate because of the limitations of providing an ENTIRE XXXX DIGIT Social Security XXXX to validate/verify data. 
Although it is your policy to keep reporting bankruptcy that is filed, dismissed, or adjudicated for XXXX XXXX, the Fair Credit Reporting Act does not mention anywhere in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly reads from " date of adjudication '' or date of " order for relief ''. 
''Any case, civil or otherwise, which is dismissed, no longer exists in the eyes of the law, and a case filed may never have been adjudicated. You have XXXX right to maintain information which the XXXX XXXX XXXX has VALIDATED as non-existent. 
It is only fair that in accordance with section 1681 ( a ) ( S ) of the FCRA you delete this from my credit report and send me an updated copy. Considering it should not require an investigation whatsoever, I would appreciate your rapid response within XXXX XXXX from the date you receive this letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit reports with transunion, XXXX and XXXX show incorrect credit utilization from all of my XXXX XXXX credit cards. 

1.XXXX XXXXXXXX credit card ( XXXX XXXX ) account ending in XXXX credit limit {$2500.00}. I have a balance of {$420.00} with available credit of {$2000.00}. 

2.XXXX XXXX credit card ( XXXX XXXX ) account ending in XXXX credit limit {$3300.00}. I have a balance of {$500.00} with available credit of {$2800.00}. 

3.XXXX XXXX credit card ( XXXX XXXX ) account ending in XXXX credit limit {$3100.00}. I have a balance of {$650.00} with available credit of {$2500.00}. 

Please have these errors corrected as soon as possible based on the Fair credit reporting act.
Product: Credit reporting, credit repair services, or other personal consumer reports

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT. THE LIST OF ACCOUNTS BELOW HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALITY UNDER 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

I opened my checking account at TD bank on XX/XX/XXXX when there was the following promotion : receive cumulative direct deposit of {$25000.00} within 60 calender days of account opening and receive a {$300.00} bonus. The bonus will be credited into the new personal checking account no later than 140 days from the account opening date. I completed the direct deposit requirement ( direct deposit from my employer ) but as of today ( more than 140 days after account opening ) I still have not received my bonus. When reaching out to TD Bank they kept providing differnet and contradictory reasons on why I didn't qualify for the bonus when in fact I strictly followed all terms and conditions. People should stay away from this bank that refuses to honor their own terms.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX acct XXXX I have written to the credit bureaus to investigate a late payment that XXXX XXXX is reporting on my credit reports. Now, to my understanding the credit bureaus and XXXX have an obligation to conduct a complete investigation into this issue and fix any errors. 
XXXX XXXX is reporting a LATE payment of 30 days on my credit report when I was NEVER late on this mortgage. 3 months after closing on my home, XXXX apparently sold this account. I had automatic payments set up from my checking account and have never missed a payment. Looking at my credit report, there is a 30 day late reporting that should never be reporting. Under section 1681i of the fair credit reporting act, I requested this issue fixed and still nothing. I am writing to CFPB to help resolve this issue before I retain council and take this to court. I am suffering financial and reputation harm from this error.
Product: Payday loan, title loan, or personal loan

I received a loan  with One Main Financial in   XXXX . In  XXXX  I became very ill and was unable to pay on time. In  XXXX  of  XXXX  I spoke with  XXXX   XXXX  from  XXXX   XXXX   XXXX   XXXX . He and I made a settlement agreement for {$4100.00} to be paid on the last day of the month for 12 months via automatic withdrawal. The final payment, I requested, to be made on  XXXX   XXXX ,  XXXX . All payments were made on time, so I thought. On  XXXX   XXXX , at  XXXX  am I received a call from  OneMain  regarding my account. I immediately looked at my account records and noticed my  XXXX   XXXX  payment was not taken out. I contacted  XXXX   XXXX , who I originally worked with. He told me, the day before my payment was to pos t, OneMain too k my account back. He did not know why and I was to cont act OneMain a nd  XXXX . I spoke with  XXXX   XXXX  on  XXXX  and was to fax the settlement agreement to her. I did this and the payment was taken out on  XXXX .     I pulled a copy of my credit report yesterday. On my report,  OneMain is r eporting twice, once for the original loan and another time for the last payment. It is also reporting the last payment late, however they were the ones who cancelled the last payment. This is not right. In addition to this, they were supposed to send me documentation that this was paid in full 10 days after the final payment was made. I still have not received this.