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

After reviewing my credit report, I discovered accounts that I did not recognize or apply for. Upon further investigation, I realized that my personal information was exposed in several data breaches as well. I have no recollection of applying for any of the accounts in question, and they are negatively impacting my credit. Per section 15 USC 1681 c-2, any fraudulent accounts that i did not authorized or signed a contract for must be removed off my credit report in 4 days.

These fraudulent accounts are not only damaging my credit but also causing my significant stress and anxiety. I have no connection to these to these account accounts and urgently request their immediate removal to prevent further harm to my financial well-being.
Product: Student loan

This issue began when the XXXX Department of Education transferred the service of our student loan from XXXX XXXX to Mohela on XX/XX/XXXX. We continued to make our standard monthly payments ( which included extra amount in order to pay the loan off early ) as we had been doing since the beginning of the loan. In XXXX of XXXX we received a letter stating that repayments of student loans were starting up again and currently there were no payments applied to our account. The payments we made for XXXX, XXXX, XXXX, and XXXX totaling {$2000.00} had been paid through the bill payment service associated with our bank and we had conformation numbers showing that the payments were received from XXXX Department of Education Mohela. The bill payment service opened an investigation to help us find out why our payments were accepted but not being credited to our account. After multiple phone calls to Mohela throughout the month of XXXX ( which totaled more than XXXX hours, we faxed and uploaded our bank statements and proof of our payments to our Mohela account as requested by Mohela XXXX they could investigate from their end why our payments were not being posted. We were told that the investigation would be complete within a month and that we would be notified through the Mohela 's website that our account had been updated and the payments would be applied. During the month of XXXX, we again contacted Mohela to get a status updates because there were no changes or notifications in our Mohela account. Mohela confirmed that our investigation was still active and was still in the XXXX XXXX but would be completed within the month. Mohela did put our account in forbearance status so that we would not owe our monthly payments while the investigation was active but that the interest on the account would still be accruing. On XXXX XXXX and after a month had past, we contacted Mohela again to request a status update however we were told that the investigation was not complete, and it would be approximately XXXX of XXXX before it was complete. As of the posting of the complaint our Mohela account is still in forbearance status yet still accruing the monthly interest and our payments still have not been credited to our account leaving our {$2000.00} missing and no answers.
Product: Checking or savings account

This week my spouse and I 's checking and savings accounts were closed by Ally bank without notice. First, it was the checking the account earlier in the week, which had all of it's funds ( XXXX ) transferred into the saving account. Upon contacting Ally customer service, I was informed that the account was closed due to potential fraudulent activity BUT the savings account, with $ XXXX, was NOT at risk of being closed ( transcripts of the conversation with customer support have been saved and are available ). 

Today, we received an email at XXXX EST that the savings account was also closed and we can not access our funds. 

We are currently in the final stages of closing on a new home and this has created a major impediment that may affect our ability to close on the home and potentially negatively impact our credit reports.
Product: Credit reporting or other personal consumer reports

Hi I'm reporting identity theft and would like accounts closed in my name nothing on my credit report related to any of my transactions. I contacted other bureaus and asked that they remove account closed and or deleted. I reported this information in XXXX
Product: Debt collection

It shows on my credit report I owe {$530.00} to Revenue Rec. I called to find out what was going on since I never received a bill the guy on the phone told me it was through XXXX XXXX hospital and I owe another {$500.00} and something for a hospital bill to XXXX XXXX XXXX. I told him I didnt get a bill for either XXXX and I have XXXX and XXXX he insisted he talked to me in XXXX 2015 I tols him he didnt talk to me and that I have XXXX and XXXX. He said I would have to take that up with the insurance company but it was probably to late. I told him yea because no one ever gave me notice.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX ( Original Creditor : XXXX  XXXX  XXXX XXXX  XXXX XXXX XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I reported that I am a victim of identity Theft on XX/XX/2023. I sent all the proper documentation to XXXX, EXPERIAN, XXXX, and the consumer financial protection Bureau. These consumer reporting agencies failed to block the information on my credit file and properly investigate my disputes under U.S.C 1681 c-2. I have all the paperwork and proof sent from these consumer reporting agencies that violated my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good evening ; I have noticed identity theft someone with my same name used my information to a company I never herd of and they have posted it in my credit report. I contact the credit Berau Equifax and they hanged up on me many times after I sent a register letter letting them know that by law they were not supposed to put items that are not mine on my credit report and they have it there causing me to hurt my credit report and having negative item in there. I spoke to Equifax supervisor and she hanged up on me telling me that a company can damage my credit report and report something is not mine. I need help I have the proof that I have sent a letter to them asking them to provide me a signature or something that was done by me and they never sent me but they receive the letter I sent and they said they do not need to follow the federal law and they will investigate and not erase soemthing is not mine and I have called them and ask them to removed because is not mine and is putten in there. I am scare because I already had identy theft and they want me to give them more information so it gets leaked again. Please help me so Equifax can take those innacurate inquiries ( XXXX XXXX XX/XX/2022 ) ( XXXX XXXX, XXXX  ) that are hurting my credit score and I cant take a home because EQUIFAX is refusing to remove information that is not mine AND they never responded the register letter I sent to them and they forcing me to provide them with extra information when I feel that after identity theft I can not give them nothing after they had leak for my information already so please help me ask them remove those inquiries that do not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

A dispute was filed with Transunion informing them they are furnishing inaccurate an incorrect information on my consumer report and that the reporting of the inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes, and the reporting of this inaccurate information has damaged my livelihood. The IRS clearly defines a charge off as Gross or Ordinary income. Income does not get reported on the consumer report which in fact makes the reporting of the information to my account inaccurate! By Definition The IRS Clearly says a Cancelled debt or Charge Off ( Certificate of Indebtness ) is Income. Reporting this account as a debt is inaccurate. 15 U.S.C. 1681 section 602 A states that I have the right to privacy 15 U.S.C. 1681 Section 604A Section 2 reads that a consumer reporting agency can not furnish an account without my written instructions. 

The charge off accounts on my report are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Since XXXX I have been the legal and medical POA for my mom, who is suffering from XXXX XXXXXXXX. She has an account at Bank of America which her 2 pensions are electronically deposited into. In XXXX I drove one hour to the BOA XXXX XXXX, IL branch, which is the nearest branch to my home. I had a copy of the POA and my valid DL and other identification info. I was turned away because the POA was not original, it didn't have 'wet ink '. Since that time, I managed my mothers BOA account online until XX/XX/XXXX when I made another effort to have the POA accepted at BOA. I drove again to the same XXXX XXXX XXXX ( the branches do not answer the phone, the only way I've been able to make contact is through booking in person online appointments. ) only to be told I needed either a " wet ink '' copy or 'certified copy '. I asked if they would call my attorney ( who was also my mother 's attorney ), who had prepared my mom 's POA document and the branch manager refused. I called my attorney and he had never heard of such a request and said they legally had to honor the POA, regardless he prepared a letter of authenticity, he signed it and had it notarized. I drove 1/2 hour to XXXX to pick it up and 2 days later I drove back to the BOA XXXX XXXX office and presented to the same branch manager. He stated this is what they were looking for and had me take a seat while he forwarded to legal. After waiting an hour ( literally ) I was told 'legal ' was still not accepting it and they would not give me access to the account. I asked for a number for myself or my attorney to call to try rectify the issue, but the manager said he couldn't give me any more information. BOA has since blocked all online access to my mom 's account, so I/mother no longer has access to her funds. My attorney has stated I should do everything possible before initiating legal action. On XX/XX/XXXX I was appointed 'legal guardian ' of my mother by the XXXX XXXX XXXX XXXX XXXX XXXX . To top it off, on XX/XX/XXXX I received a call from XXXX XXXXXXXX XXXX who was investigating a complaint of alleged adult financial abuse. After several questions about transactions only from my mothers BOA account it became clear the complaint was filed by BOA. The questions included why did I spend my mothers money at a pet store, my answer was to purchase dog food for her XXXX XXXX XXXX that has lived with me now for more than a year. After several other questions, and the XXXX agent patiently listening to my frustrations with BOA, I believe the case/complaint is resolved with no wrong-doing on my part. I filed for legal guardianship of my mother, which I received in XXXX of XXXX ( I have attached a copy for your record. ) I still do not have access to my mother 's funds ... which she needs!
Product: Credit card

I paid off my Indigo credit card in XX/XX/year>. They waited until XX/XX/year> to charge me a monthly fee- which they have never done before and I just realized today that somewhere along the line they signed me up for protection on my account without my approval and have charged me over the months without my knowledge different amounts. They never told me about a monthly fee or changes to my account. To my knowledge they have never charged me a monthly fee before. Nor have they told me about signing me up for protection. I want all money that I have paid for protection and or monthly fees back because they have never informed me of these charges and I never approved of these charges. With my other credit card - Milestone, they just closed the account ( for the second time ) for filing a complaint against them even though I did not request it. I doubt they will even be responding to you for the complaint I filed against them for that card or this card. I will be filing a complaint with the Division of Financial Regulation and the XXXX XXXX XXXX- they should not be able to mess with people 's credit like this! I am not paying this fee because I am not responsible for it.
Product: Money transfer, virtual currency, or money service

PayPal has limited my account after receiving funds ( loan ) from my daughter through her PayPal account. Ive given all necessary data they need was assured that it would be lifted in 24 hours and its now almost 78 hours later and past their 3-5 days needed for review. Ive called Customer service everyday this week and have been told a number of different things, time frames, guarantees and my money is still not available for me to use for absolutely no reason whatsoever. I can not explain to you the amount of XXXX  this has caused me. I am a single mother with a XXXX XXXX child, no food in the house, bills starting to bounce and THEY WILL NOT RELEASE MY MONEY
Product: Debt collection

I have tried several times until blue in the face keep telling some company called SENEX collection that I do not owe money for a XXXX debt for emergency services. here is the deal I went to XXXX XXXX for care back in XXXX for my XXXX  XXXX. I had a XXXX  on  the  job  ok workers comp finally paid the bill in XXXX. 
when I registered for care ( XXXX ) I think the months were XX/XX/XXXX? I inform XXXX that I was in pain but could not pay the bill. I had a fall submitted my workmans comp claim XX/XX/XXXX but had not receive a claim number at the time I went in for care. XXXX went on and gave treatment took WC info from then gave me another kind of form from their financial aid services to assist with the bill. 

the bill was paid through XXXX financial aid program. XXXX  gave me a form I completed the form then I had to show proper ID drivers license and social security card then I signed the form and the registration clerk told me that was all I had to do. Who is this company SENEX that continues to phone harass me through this coviv-19 crisis and is not respecting NATIONAL federal law by not even being able to be calling me at home period? here the issue, the lady that called me from SENEX told me that she is prepared to offer me a discount rate? I then told this lady from SENEX collections that why would I pay a bill that has already been paid? 
these people SENEX continues to try to extort money from me for a bill they will not go back and do the history on. The burden of proof is on senex. they keep talking about I owe them I do not! 
All senex have to do is contact XXXX XXXX XXXXinancial aid services department. which is what senex has probably done but got no info so they decided to take the quick route whereas they know there is no trace of this bill being paid through them senex ok so they decided to try to con me out of the money. I have no job right now we were all furloughed back on XXXX why now is this company wanting to try extortion not going to happen. So done with this sexex collection I want this to stop! 

please also do something about all credit bureaus not giving PROPER credit when in fact PROPER credit is due! 
if you look at my current 3 credit reports from XXXX XXXX and XXXX all 3   bureaus are tampering with my credit scores so horrible company called XXXX? Make this XXXX  whatever they are get out of the loop! XXXX  whoever  they  are  ... they need to stop toggling with my credit score ratings. 
HELLO ... THIS IS A BAD TIME TO BE HURTING PEOPLE WITH THIS CREDIT SCORE TAMPERING. I HAVE EXCELLENT ON MY REPORTS for my current 2 accounts that I have open ans is being CHEATED OUT OF A DECENT CREDIT SCORE ON ALL 3 REPORTS I DAMM WELL DESERVE MY CREDIT SCORES TO BE ALL ON THE SAME PAGE! excellent and current!
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX, and XXXX have reported a 30-day late payment from XXXX XXXX XXXX XX/XX/XXXX I have previously disputed. I reached out to XXXX XXXX on this matter and they told me it was paid 3 days within the statement date and should not be reporting as late on my consumer report. I sent a letter via mail on XX/XX/XXXX asking to mark it as OK on my consumer report. I received a late response from XXXX and XXXX via mail explaining the account has been verified. In return caused my credit score to drop dramatically affecting my livelihood. Experian never sent any mail. I sent out a 2nd round of letters on XX/XX/XXXX asking how they verified the account, I dont agree with the results of your investigation. Please mail me proof of your investigation or remove the negative information. XXXX and XXXX sent a letter back saying " THIS ACCOUNT HAS BEEN UPDATED ''. Experian didn't send a letter. I would like my XXXX points to get put back on my credit score from the dispute and the late payment marked as OK. It has been brought to my attention several violations according to 15 us 1681s, 15 us 1681a, 15 us 1681a-2 a few among others.
Product: Credit reporting or other personal consumer reports

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorised to get products, services, or money. Please remove the following items. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

PORTFOLIO RECOVERY ASSOCIATES , LLC has ignored their grave duty to investigate such dispute received by me through the mail on XX/XX/. As the attached pdf below ( VALIDATION OF DEBT XXXX ) is such letter sent requesting everything needed by the FDCPA act in which I got no response since! They had more than five days under 15 U.S. Code 1692g and are avoiding such duties.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report on XX/XX/2019, I discovered a debt in the amount of {$4400.00} on my XXXX  report and {$4400.00} on my XXXX  report for an account that I did not open. After filing several disputes and requesting an investigation with XXXX and XXXX  to have the inaccuracies removed, I found that XXXX and XXXX  continuously and knowingly intercepted inaccurate information from debtor ( s ) Hunter Warfield Inc., XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. In light of this, XXXX  and XXXX failed to compel said debtor ( s ) to provide proof that the account was opened by me.
Product: Vehicle loan or lease

On XX/XX/XXXX, I went to XXXX XXXX XXXX as my lease was about to expire. During the lease buyout I was informed that Fifth Third Bank showed 3 missed payments on my credit report, which otherwise did not have any negative reports. As a result, I was not able to get a good interest rate on my new loan. 

On XX/XX/XXXX, I entered into a loss mitigation agreement with Fifth Third Bank regarding those 3 missed payments, which payments were placed at the back of the loan. I had co-signed on a car loan for my son, who had lost his job due to COVID-19 and was unable to make the payments. I explained this to Fifth Third Bank, which resulted in this agreement. 

I did not know that these missed payments were reported to the credit reporting agencies and would have disputed it earlier had I known. I called Fifth Third Bank on XX/XX/XXXX and they were not willing to fix the issue and basically said there was nothing they could do and to submit a complaint with ftc.gov.
Product: Credit reporting or other personal consumer reports

I am writing for two ( 2 ) reasons : 1. To dispute certain information in my credit file ; and 2. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( s ) I dispute are listed below and are inaccurate or incomplete. I am requesting that the items be investigated to correct the information Below are the items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

The issues is with Discover Card. My phone company, XXXX XXXX went out of business for serving customers in the state of Michigan. Discover Card charged XXXX times, XXXX we disputed, and XXXX new charges in XXXX. So Discover charged 14 monthly payments, and keep arguing they have given in all the credits for disputed charge. They have not followed up on phone calls, complaints, investigations, the Discover Card agents agree we are due 5 months credits, but then after we get off the phone nothing happens.